SUMMER FUN SALE - Leatherstocking Credit Union

N EWS
24 GLEN AVE., COOPERSTOWN, NY 13326 • 607-547-5700 • 877-378-6466
SUMMER FUN SALE
find a payment that fits your budget
Summer brings thoughts of evening rides and days on the water.
New or Used, recreation or transportation, LCU has hot rates on Autos, Trucks,
Motorcycles, Tractors, Watercraft and ATVs with terms that are sure to fit your budget.
as low as
as low as
2.25% APR*
3.25% APR*
as low as
as low as
for 36 mos.
for 36 mos.
2.49% APR*
3.49% APR*
for 72 mos.
as low as
3.49% APR*
A 15-year adjustable loan on a primary residence:
For the first 5 years lock in 2.75% APR*;
For the next 5 years lock in an adjusted rate
based on a calculation using the Wall Street
Journal Prime Rate, not to exceed
a 2.00% APR* increase or 4.75%;
For the last 5 years the rate adjusts again with the same
not to exceed a 2.00% APR* increase limitation or 6.75%
75k 509.07 initially/monthly.
Credit Union pays closing costs on minimum loan
balances of $10,000 and maximum loan balances
of $125,000. Member pays mortgage tax.
30-Year Fixed Mortgage:
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
NCUA
EQUAL HOUSING
LENDER
PROTECTION PLUS CHECKING WITH IDProtect®
Protection Plus Checking account provides you with Leatherstocking
Credit Union’s new identity theft protection service, IDProtect.

Keeping your personal information secure and protecting
you and your account from identity fraud is important to us.
IDProtect will help safeguard you and your family against
identity fraud. Please call us if you have questions.
Theme Park Tickets
at Discounted prices
are now here!
5/5/5 Program:
as low as
National Credit Union Administraion, a U.S. Government Agency

SOLUTIONS
15-Year Fixed Mortgage:
for 84 mos.
*Annual Percentage Rate (APR). Rates and terms may vary, based on creditworthiness. Does not apply to real estate,
credit cards or other unsecured general loans. These great rates end 7-31-14. Other restrictions may apply. See us for details.
LCU’S REAL ESTATE
for 72 mos.
4.49% APR*
for 84 mos.
July 2014
Rates as low as 3.5% APR* on 75k 540.92 monthly
Rates as low as 4.5% APR* on 75k 377.08 monthly
Home Equity Lines of Credit . . .
Low Monthly Payments
With a five year draw period
you can use your line as needed.
With the Variable Rate Home Equity
youand
can
a based
monthly
payment as follows:
*Rates
termshave
may vary,
on creditworthiness.
Does not apply to real estate, credit cards or other unsecured general loans.
These great rates end 6-30-14. Other restrictions may apply. See us for
as low as
as low as
details.
97.74*/month
195.48*/month
at 3.25% APR* for 10 years
when you Borrow $10,000
at 3.25% APR* for 10 years
when you Borrow $20,000
With the Fixed Rate Home Equity product
your rate is fixed for the life of the loan
so the rate will not change
and you can have a payment as follows:
as low as
as low as
at 5% APR* for 10 years
when you Borrow $10,000
at 5% APR* for 10 years
when you Borrow $20,000
106.10*/month 212.19*/month
*Annual Percentage Rate (APR). Loan rates may vary and are
subject to credit approval. Other restrictions may apply. See us for
complete details. Rates as of June 30, 2014 and are subject to change.

Lobby Hrs: Mon.-Thurs., 8 - 4; Fri., 8 - 5:30; Sat., 8 - Noon • Drive-thru open 8 am Mon.-Sat.
24 Hr. ATMs: Main Office, 24 Glen Ave. & Bassett Hospital Lobby, 1 Atwell Rd.,Cooperstown
Phone Access Teller System: 607-547-5700 • 877-378-6466, option 4 • E-mail: [email protected]
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
EQUAL HOUSING
LENDER
NCUA
National Credit Union Administraion, a U.S. Government Agency
Loan Addendum & Rate Schedule
This Addendum is incorporated into, and becomes part of, your
LoanLiner Credit Agreement. Effective 6-30-14.
SUBACCOUNT DESCRIPTION
Autos, Boats, Motorcycles, etc.
Retirement Solutions
When it comes to retirement
the only one you can rely on
for certain is yourself
& the sooner
you get started saving
the more secure
your retirement will be.
If you are interested in Principal preservation and
earning a market rate then stop in and discuss
your needs with your local credit union team.
Offering a full array of government
backed IRA solutions.
OUR MOBILE APP IS HERE!
LCU’s free mobile app, Mylcu mobile, is your easy,
secure solution for anywhere, anytime account access.
Check your account balances,
transfer funds, make deposits and pay bills.
Available now at Apple I-Tunes & Google Play App stores.
Leathersto ck ing CU Staff
Mary T. Clarke
Linda Oldick
James Richardson
Carla Eckler
Rob White MLO#803701
Anoel Kelly MLO#803606
Cindy Dresser
AmyBeth Decker
Chris Spencer
Martha Heneghan
Sheryl Dulovich
Sue Gage
Seth Drugatz
MacKenzie Waro
President/CEO*
Accounting Manager*
Accounting and Compliance Officer
Marketing Specialist
Lending and IT Officer
Financial Service Manager*
Financial Service Rep.
Accounting Assistant
Lead Member Service Rep.
Member Service Rep.
Member Service Rep.
Member Service Rep.
PT Member Service Rep.
PT Member Service Rep.
*Management Team
General Loans
General Loans
D&E paper limited to 48 mo. term
Education/Computer Loans
D&E paper limited to 48 mo. term
HE Loan up to 80% LTV
HE Loan up to 80% LTV
Variable rate HE Loan up to 80% LTV
Variable rate 5/5/5 HE Loan
up to 80% LTV
Share Draft Credit Line
VISA Platinum
APPROXIMATE TERM
24 Months & 36 Months (A - E members)
48 months (A - E members)
60 months (A - D members)
72 months (A - B members)**
**20K and 2012 Model year or newer
12 - 24 months
60 months
ANNUAL PERCENTAGE RATE
2.49% - 14.49%
2.49% - 17.99%
2.49% - 15.49%
2.49% - 5.99%
60 months
6.99% - 13.99%
120 months (A - D members)
180 months (A - D members)
180 months (A - D members)
5.00% - 9.50%
7.50% - 10.50%
3.25% - 6.75%
180 months (A - B members)
2.75% - 7.00%
13.25%
9.90% - 18.00%
6.99% - 13.99%
8.99% - 15.99%
*LOAN SPECIALS MAY APPLY. Please call 607-547-5700 to verify rates.
Share and Certificate Secured Loans will be granted at 3% over the share and certificate rates.
Loan Skip-a-Pay Fee per Loan: $30.00. Pending approval. Member may skip up to 3 times per loan.
Loan Late Fees: If your loan is more than 15 days late you will be charged a fee of $30.00.
VISA Credit Card Late Payment Fee: $25.00.
VISA Return Check Fee: $25.00.
Collection Costs: For borrowers in NY: You promise to pay, subject to any limits under applicable law,
all costs of collecting the amount you owe under this agreement. This includes, but is not limited to,
reasonable attorney’s fees and court costs as well as legal expenses for any bankruptcy, appeals, or
postjudgment proceedings.
Please Take Notice:The Credit Union has the right to change the interest rate on your vehicle or RV
loan to a signature rate when you do not comply with your promise to provide information so the
Credit Union can file lien interest. Please refer to Credit/Security Agreement and Insurance Certificate
(#12 and #20).
Loan Rate Discounts: Leatherstocking Credit Union periodically offers special loan rate promotions
on consumer non real estate or credit card loans. If your loan qualifies for one of these special offers
no additional deductions are eligible. If your loan does not qualify for a given loan special you may
be eligible for other loan rate deductions if you have your primary Checking/Debit Card relationship
and/or sign up for electronic loan payments; at no time will those deductions exceed .50 % Annual
Percentage Rate.
Share & Certificate Rates* • Effecive 6-30-14
SHARE DRAFT
SHARE CERTIFICATES**
No balance requirement.
TERM
6 - 11 mo.
12-23 mo.
24-35 mo.
36-47 mo.
48-59 mo.
60 mo.
**$1,000 min. deposit.
SHARE SAVINGS
.03% Annual Percentage Rate* (APR)
Minimum balance required: $5.00. Average daily
balance required to earn dividends: $500.00
MONEY MARKET ACCOUNT
& TIERED RATES
$ 2,500 - $19,999.99
$20,000 - $74,999.99
$75,000 and over
Ask for details
0.03% APR
0.03% APR
0.03% APR
IRA SHARES
.03% APR
Minimum balance required: $5.00. Average daily balance
required to earn dividends: $500.00. For members over
50 years old you may deposit up to $6,500 for 2013 tax yr.
IRA CERTIFICATES***
SMART START CERTIFICATE AND
ROTH SMART START CERTIFICATE
Preferred Rate
0.50% APR
Ask for details
PREFERRED SAVINGS
$10,000 - $24,999.99
$25,000 and over
Ask for details
$1,000 & over
0.10% APR
0.10% APR
0.25% APR
0.50% APR
0.75% APR
1.00% APR
0.03% APR
0.10% APR
TERM
24 mo.
48 mo.
60 mo.
***$1,000 min. deposit.
$1,000 & over
0.25% APR
0.75% APR
1.00% APR
YOUTH SHARE CERTIFICATES****
TERM
$500 & over
12 mo.
0.10% APR
****$500 min. balance
*Note: All rates are subject to change without notice. PLEASE CALL 607-547-5700 to verify rates.
Lobby Hrs: Mon.-Thurs., 8 - 4; Fri., 8 - 5:30; Sat., 8 - Noon • Drive-thru open 8 am Mon.-Sat.
24 Hr. ATMs: Main Office, 24 Glen Ave. & Bassett Hospital Lobby, 1 Atwell Rd.,Cooperstown
Phone Access Teller System: 607-547-5700 • 877-378-6466, option 4 • E-mail: [email protected]
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
EQUAL HOUSING
LENDER
NCUA
National Credit Union Administraion, a U.S. Government Agency