Pulse - Fall 2015 - Healthcare Systems Federal Credit Union

Fall 2015
FALL FOR HSFCU!
The
From home improvements to holiday bills
& more, it’s the season to save
with HSFCU’s low-rate loans.
PULSE
News you can use:
Year-End Loan Special! • 4 Great New Ways to Pay • Stop By & See Us at the Benefit
Fairs • Help is Available for Investments, Insurance & Financial Planning • Holiday Loan •
Credit Score Information • HSFCU’s Convenient Services • Limited-Time Auto Loan
Offer: Low Rates & a CASH BONUS • Pick a Month & Skip-A-Payment! •
HSFCU Member Benefit Award • We
FREE • Tips for Safe Online Shopping
Stop By & See Us at the Benefit Fairs
We’d love to see you at the upcoming hospital Benefit Fairs,
Oct. 28 - Nov. 9! Healthcare Systems FCU representatives will
be on hand to provide information and greet members, both old
and new. Please stop by and say hello – and feel free to bring
along co-workers who may not have joined yet!
FALL FOR HSFCU!
Apply Now for Our Year-End Loan Special!
At this time of year, expenses start piling up faster than the
leaves falling from the trees outside: school supplies, home
improvements, holiday plans and much more.
Our Year-End Loan Special can help!
• Rates as low as
8.99% APR*
• Terms from 12 to 48 months
Great New Ways
to Pay!
‘Tis the season for shopping – and we’ve got some great new ways
to make payment faster, easier and more secure. Just link your
HSFCU Visa® credit card to any or all of these services and get
ready for a great shopping experience!
Apple Pay. Use your iPhone or Apple Watch to pay at over a million stores accepting contactless
payments, and to make purchases in participating
apps. More stores and apps are added every day!
Google Wallet / Android Pay. Your Android device
can use Google Wallet to send and receive money,
and Android Pay to easily make payments at any tap
and pay location in the U.S. and in participating apps.
Visa Checkout makes paying online
a snap. Breeze through checkout
when shopping online with a single
sign-in anytime you see the Visa
Checkout button. You’ll be done
shopping in no time.
For more information on these services,
visit healthcarefcu.org. Happy shopping!
• Use the funds for any purpose
Limi
ted
Time Offe
r!
• No collateral required
Apply Today
Take advantage of our limited-time Year-End Loan Special so you
can relax and enjoy the season. Apply online at healthcarefcu.org,
call us at 703-776-2700 or stop by a branch.
* Annual Percentage Rate (APR) is based on an evaluation of credit history, so your
rate may differ. Rate quoted includes all available discounts.
Help is Available for Investments,
Insurance and Financial Planning
When it comes to planning for your future and dealing
with everything from college planning, retirement
planning or even estate strategies, it can help to have
someone who’s experienced and knowledgeable
to assist you along the way. Our Financial Services
Specialist, Theresa White, is available to work with
you on these issues. This is a free service for
members of Healthcare Systems Federal Credit Union.
Theresa White
Contact Theresa at 301-651-7397
or email her at [email protected].
NOT A CREDIT UNION DEPOSIT; NOT NCUA INSURED; NOT INSURED BY
ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE CREDIT
UNION; MAY GO DOWN IN VALUE
Securities, Investment Advisory and Financial Planning services offered through
qualified registered representatives of MML Investors Services, LLC, Member SIPC:
222 Central Park Ave Suite 1100 Virginia Beach VA 23462 (757) 490-9041. Member
Wealth Management and Healthcare Systems FCU are not a subsidiary or affiliate of
MML Investors Services, LLC.
No T ricks … Let us T rea t You to a Great Car Loan!
When it comes to auto loans, there are no tricks at Healthcare Systems FCU. We’ll treat you
to some of the lowest rates around AND a Cash Bonus – good for both vehicle purchases
and refinancing high-rate loans obtained elsewhere.
1.39 %APR*
**
Cash Bonus of $100
Rates as low as
We make frightful car-purchase experiences a thing of the past, too. Apply for an HSFCU
Auto Express Check, take it to the dealer, strike your best deal, sign and drive. It’s that
simple. Our partner TrueCar can also help you find the car you want at a sweet price.
Hurry – Cash Bonus offer ends Nov. 15, 2015! For details or to apply, visit healthcarefcu.org.
*Annual Percentage Rate (APR) quoted includes all available discounts. Rates are based on an evaluation of creditworthiness. Your rate may vary.
**Cash Bonus is for refinanced loans of $10,000 or more on model year 2009 or newer vehicles. You must make your first scheduled payment in order to receive the $100 Cash
Bonus. $100 will be credited to the primary applicant’s savings account within 91 to 95 days of the loan origination date. If the loan is closed in the first 90 days, the $100 offer will
become invalid. Existing Healthcare Systems FCU loans are not eligible for this offer. Recipient is solely responsible for any personal tax liability arising out of this incentive.
WE
FREE!
HSFCU is a recipient of the Credit
Union National Association’s 2015
National Member Benefit Award
for providing highest quality direct
financial benefits to our members.
Members saved an average of
$1,830 on new car loans and $1,108
on used car loans, and an average
of $1,100 a year with our Visa® Platinum with
CR Rewards card, compared to area banks.
FREE Checking
...
Simple and Easy to understand.
No minimum balance, no monthly
service fee, no worries.
FREE e-Services: Mobile & Online Banking, Mobile Deposit, Mobile &
Online Bill Pay, Member to Member Transfers, Draft Check Copies, eStatements, Financial Counseling, Money Desktop Tool, Account Inquiries & Transfers.
Just plain ol’ FREE: ACH Origination, Apple Pay, Debit Card Transactions & Purchases*,
Direct Deposit, Incoming Wire Transfers … oh yes, and friendly faces and great service!
Savings calculated by the Credit Union National Association,
based on comparisons from 9/2013 - 9/2014.
*Surcharges by another institution may apply at their ATMs.
Pick a Month & Skip-A-Payment!
October
Our Skip-A-Payment program can be especially helpful at this time of year. Simply choose
a month, fill out a brief form and skip your HSFCU loan payment for that month. You may
choose up to two non-consecutive months a year and skip your HSFCU loan payment for
those months. Certain conditions apply. To get started, visit healthcarefcu.org.
“
For my vacation loan, the entire process – from application to getting the money – took under 2 hours.
What a wonderful experience. My credit
union is awesome!
-Jennie S.
”
Need Help Brightening
Your Holiday Season?
$
November
December
$
Take A
Break
DID YOU KNOW?
Amount Owed on Accounts Determines
30% of a Credit Score
Owing money on credit accounts doesn’t necessarily mean you’re a
high-risk borrower with a low credit score. However, when a high
percentage of a person’s available credit is being used, this can
indicate that a person is overextended, and is more likely to make
late or missed payments.
Part of the science of scoring is determining how much is too much for a given credit
profile. Your credit scores take into account several factors, including:
The amount owed on all accounts. Note that even if you pay off your credit cards in
If you find yourself
strapped for cash
this holiday season,
let us help with a
Holiday Loan.
full each month, your credit report may show a balance on those cards. The total balance
on your last statement is generally the amount that will show in your credit report.
The amount owed on different types of accounts. In addition to the overall
• Up to $1,000
•Bi-weekly
payments less
than $50*
• Credit score will not stand in the way
• Online applications ONLY!
• Certain conditions apply**
amount you owe, your credit scores consider the amount you owe on specific types of
accounts, such as credit cards and installment loans.
Whether you’re showing an amount owed on certain types of accounts.
In some cases, having a very small balance without missing a payment shows that you
have managed credit responsibly, and may be slightly better than carrying no balance at
all. Having a low credit utilization ratio can be better than having a high one, or none at
all. For example, closing unused credit accounts that have zero balances and are in good
standing may not raise your credit score.
This is a limited-time offer, so don’t delay.
Applications will be accepted online ONLY.
Simply visit healthcarefcu.org, click Apply
for a Loan and select Holiday Loan.
If it makes your financial life easier,
it’s here at HSFCU.
*Payment amount based on a $1,000 loan with a
12-month repayment period at 18% APR (Annual
Percentage Rate).
**Available to members of Healthcare Systems Federal
Credit Union with an account in good standing that has
been open for at least 180 days or six months, with
active direct deposit into an HSFCU savings or checking
account and a demonstrable capacity to repay loan.
There is a 12-month repayment period.
KEEPING SAFE. Tips for Safe Online Shopping
As we look to the holiday season, it pays to know how to be safe while shopping online.
• Keep security software updated on your computer. You should have anti-virus, anti-spyware and anti-spam software as well as
a good firewall installed.
• Keep personal information and your password secure. Do
not respond to requests to “verify” your personal information.
• Create strong passwords. A good password is 14 or more
characters long, and includes numbers, symbols and upper and lowercase letters.
Holiday
Closings
Healthcare Systems
Federal Credit Union
3300 Gallows Road
Falls Church, VA 22042
Columbus Day: October 12
Veterans Day: November 11
• Watch out for scams. Beware of “bargains” from unfamiliar
companies, notices that you’ve won a contest or lottery you haven’t
entered, or requests for personal information. If something sounds
too good to be true, it probably is.
• Use secure websites for purchases. Look for “https” in the
website address or a lock symbol in your browser.
• Check out the “4 Great New Ways to Pay” article in this
newsletter to learn about convenient, safer payment options.
Thanksgiving Day: November 26
Christmas Day:
December 25
703-776-2700 • 1-800-250-9676
www.healthcarefcu.org
Touch Tone Teller: 703-776-2498
Remember, even when our offices are closed,
our online and mobile banking services are
“open” and available 24/7!
Federally
insured by
NCUA