vEWSLETTER - Crossroads Community Federal Credit Union

Newsletter
www.crcfcu.com
FALL 2016
“Banking…Only BETTER!”
3031 William Street • Cheektowaga, NY 14227
Phone: 716-896-8084 Fax: 716-896-8086
971 Kenmore Avenue • Kenmore, NY 14217
Phone: 716-874-7284 • FAX: 716-876-3654
Local Service. Global Access.
Offering Free Mobile Banking & Remote Check Deposit
At home, at work and during travels, your CU banking is within hands’ reach.
Perform convenient and secure transactions such as account transfers,
view account & loan balances, view cleared checks, bill payments,
mobile check deposit, and person-to-person pay, all from your smartphone.
Mobile Banking
Sign Up Today!
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You must be enrolled in our Net Branch Online Banking
to use these two services. If not, it’s simple and easy
to sign up for Net Branch Online Banking. Simply visit
www.crcfcu.com. Click on the “Online Banking Log-In”
button on our home page. Then click on the link for
“Not enrolled? Enroll Today!” Complete the enrollment
form. It’s that simple!
Check account balances
Review account history
Make loan payments
See recent transactions
Transfer funds between
accounts
• Pay your bills
• And more
Remote Check Deposit
1. Endorse the back of the check.
2. Write for mobile deposit only.
3. Take a photo of the front &
back of the check.
4. Submit the deposit.
If you already use Net Branch Online Banking, log on
and click Mobile Banking to sign up and register your
phone. Your cell phone must have Internet connections.
Please contact us with any questions!
www.crcfcu.com
Online Banking Service, or find our app in the App StoreSM or
Google PlayTM Visit www.crcfcu. com to learn more.
Invite Your Family
To Join Ours
The holidays are just around the
corner. Here’s a gift that can last
a lifetime: membership in the
credit union. Because you belong
to the credit union, your family
members also are eligible to join. They, too, can enjoy
all of the benefits of belonging: lower rates on loans,
competitive rates on savings, convenient access to their
accounts, and best of all, being treated like a person,
not a number.
In satisfaction survey after survey, consumers consistently
rate credit unions higher than other financial institutions.
With a gift of credit union membership, one size really
does fit all and no worries about the long line at the
return and exchange counter. Membership in the credit
union makes an ideal baby shower or christening gift
as well. What better way to show your love and affection than starting a little one out on the road to financial
security?
For more information about how your family can join the
credit union family, stop by the credit union or give us a
call.
CrossRoads Community FCU
Privacy Policy Notification
CCFCU’s complete Privacy Statement, Privacy Notice and Disclosure is always available
on our website www.crcfcu.com. To read, review, or copy our most current Privacy Policies
simply visit our website and click on the links
provided at the bottom of our websites home
page. If you would like us to provide you with
a copy of the Privacy Policies please call or
stop by either CU office.
CCFCU membership is available to anyone who lives,
works, worships, volunteers, or attends school in:
Amherst, Blasdell, Buffalo,
Cheektowaga, Clarence,
Depew, East Aurora, Elma,
Grand Island, Hamburg,
Kenmore, Lackawanna,
Lancaster, Orchard Park,
Sloan, Tonawanda and
West Seneca NY.
Please help us by inviting a family member, a relative,
a co-worker, or neighbor who qualifies to become a
member of the credit union to enjoy all of our great
products, services and the special benefits we offer.
Christmas Club News
Current Christmas Club Accounts
DEPOSITS: The last day deposits may be made
to your 2016 Christmas Club will be Friday,
October 1, 2016.
DATES: All club balances will automatically
transfer to your savings account the last week
in October 2016.
**REMEMBER - You must renew your account each year **
New Christmas Club Accounts 2017
DEPOSITS: The last day deposits may be made to your
2017 Christmas Club will be Friday October 13, 2017.
DATES: New accounts can be opened beginning
November 4, 2017.
All club balances will automatically transfer to your
savings account the last week of October 2017.
Choose One of Our Easy Deposit Schedules
$5.00 each week for 50 weeks................ $250.00
$10.00 each week for 50 weeks................ $500.00
$20.00 each week for 50 weeks............. $1,000.00
$40.00 each week for 50 weeks............. $2,000.00
Applications available on our website: crcfcu.com
or at either office location.
Worrying is like sitting in a rocking
chair. It gives you something to do,
but it doesn’t get you anywhere.
WE’RE MORE THAN JUST
GREAT LOAN RATES!
CrossRoads Community FCU also offers Share
Savings Accounts, IRAs, Christmas Club Accounts
Share Draft (Checking) Accounts, MasterDebit
Cards, New and Used Auto Loans, MasterCard
Credit Cards, Net Branch Online Banking, Payroll
Deduction, Direct Deposit, Online Bill Pay,
Popmoney, and so much more.
Plus, you are eligible for an additional quarter percent
off the above* posted rates when you open a new
CRCFCU free checking account with auto
payment. Certain restrictions apply.
If you can’t stop by the credit union to apply for
a loan or sign loan documents, please take
advantage of CRCFCU’s Digital LOAN
Express. You can apply/refinance and
sign your contract at home or work
or wherever is convenient for you.
Visit crcfcu.com.
Establishing Healthy Credit
The only way to establish good credit is to start
buying on credit, which reveals your ability to
pay for things that you buy or use. Here are some
helpful tips for anyone just starting with credit:
* Start slowly. Don’t apply for more credit than is
needed.
* Don’t charge more than can be paid off at the
end of the month.
* Before applying for a credit card, check out the
interest rate, associated fees, credit limits, and
terms.
* Use your credit card
wisely. A credit card opens
all kinds of ways to damage your credit score.
Never miss a payment. Pay in full if you can.
* Pay “ALL” your bills on time. One of the most
important steps in building and maintaining a
solid credit history is to pay all of your bills on
time each month.
* Get another form of credit (an auto loan, personal loan or some other installment debt).
Having different kinds of debt helps your credit
score.
* If you want to boost your credit history and
credit score, you’ll want to keep your total
monthly charges well within your credit limit.
* Regularly read your credit report. One way to
build a positive credit history is to make sure you
know what information is being reported.
Thank You For Your Service
A great big thank you from CrossRoads Community FCU to the brave men and women - our veterans - who have devoted themselves to preserving
America’s freedom.
Every year on November 11th, we honor these
military service men and women for the sacrifices
they have made. Veterans Day, which officially
became a legal
holiday on June
1, 1954 to honor
American veterans of all wars,
is observed by
showing gratitude and appreciation for our
veterans and the commitment they have made to
protect our country, and our way of life. Observed
in cities and towns throughout the U.S., one of
the traditional Veterans Day tributes is a wreathlaying ceremony at the Arlington National Cemetery. In addition, the week of November 11-17 is
now known as National Veterans Awareness Week
and is observed accordingly.
As you go about your daily life, keep in mind that
“freedom is not free.” Take a moment to thank
and appreciate the selfless warriors who have
given so much for our country and its people.
Dividend Rates
Share Accounts
Annual % Yield
$25 - $9,999 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10%
$10,000 and above . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10%
(minimum daily balance to earn stated annual percentage yield is $200)
Money Market Share Accounts
$2,500.00 - $9,999 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10%
$10,000 - $49,999 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20%
$50,000 and above . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30%
(minimum daily balance to earn stated annual percentage yield is $2,500)
Share & Business Share Draft Accounts. ..................... .00%
I. R. A. Accounts. ................................................................ .50%
Term Share Certificates
(minimum $1,000 to open)
6 months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45%
9 months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50%
1 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .65%
18 months . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .75%
2 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .90%
3 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.11%
4 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.26%
5 year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.51%
*Certificate rates can change daily due to market conditions.
Call office for details.
Loan Rates
Product Type
APR
New Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.25%
Used Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.25%
Shared Secured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.50%
Partially Secured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.75%
Unsecured . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.00%
New Recreational/Mobile Home . . . . . . . . . . . . . . . . . . . . 4.25%
Used Recreational/Mobile Home . . . . . . . . . . . . . . . . . . . 5.00%
Mini Home Equity Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3.25%
Home Equity Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5.75%
Home Equity Line of Credit . . . . . . . . . . . . . . . . . . . . . . . . 3.50%
Mastercard® . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9.90%
*Loan rates above reflect the lowest rate available on approved credit as determined
by the credit-worthiness of each applicant. Stated interest rates represent the rates
on 9/30/16 and are subject to change without notice. Other rates and terms may
apply. Current CrossRoads Community FCU loans are not eligible for rate refinancing.
*APR=Annual Percentage Rate
25
We do business in accordance
with the Federal Fair Housing
Law and Equal Credit Opportunity Act
Equal
Opportunity
LENDER