Products and Services Guide

www.ConnexusCU.org
www.ConnexusCU.org
www.ConnexusCU.org
Contact Us
We want to provide as many ways for you to
Contact Us
connect with Connexus as possible. Visit with us
Contact
Us
We want to provide as many ways for you to
at a branch, online, over the phone, via e-mail,
connect
with
Connexus
as possible.
with
We
want to
provide
as many
ways forVisit
you
to us online chat!
or through
at a branch,
overasthe
phone, Visit
via email,
connect
with online,
Connexus
possible.
with us
atorathrough
branch, online
online,chat!
over the phone, viaBranch
e-mail, & ATM Locations
or through online chat!
For the branch or ATM nearest you, visit our website
Branch & ATM Locations
at www.ConnexusCU.org.
Branch & ATM Locations
For the branch or ATM nearest you, visit our
website
at www.ConnexusCU.org.
For
the branch
or ATM nearest you, visit
our website
Website,
Online Banking, and
at www.ConnexusCU.org.
Online Chat
Website, Online Banking and Online
Chat
Website, Online Banking, and www.ConnexusCU.org
www.ConnexusCU.org
Online Chat
Mobile Banking
www.ConnexusCU.org
Mobile Banking
www.ConnexusCU.mobi
www.ConnexusCU.org/mobile-home
Mobile
Banking
Telephone
www.ConnexusCU.mobi
Telephone
Telephone
(800) 845-5025 or (715) 847-4700
(715) 847-4700 or (800) 845-5025
FAX
FAX
(715)847-4747
847-4747
(715)
CRIS
- Telephone
Banking
Telephone
Banking
(800)
or (715)
(715) 847-4701
847-4701
(800)GET-CRIS
438-2747 or
E-Mail
eMail
(715) 847-4700 or (800) 845-5025
FAX
(715) 847-4747
CRIS - Telephone Banking
Products and
Services Guide
(800) GET-CRIS or (715) 847-4701
E-Mail
[email protected]
[email protected]
[email protected]
Federally insured by NCUA.
Federally Insured by the NCUA
Federally Insured by the NCUA
09/2015
08/2014 CU1073 NJ100318
(715) 847-4700 • (800) 845-5025
(800) 845-5025 • (715) 847-4700
FAX: (715) 847-4747
(715) 847-4700 • (800) 845-5025
FAX: (715) 847-4747
FAX: (715) 847-4747
Welcome to
Connexus Credit Union!
When you partner with Connexus, you can
rest assured we’ll not only meet your needs,
we’ll strive to exceed them. We are committed
to achieving financial success for our members.
Since we’re a not-for-profit financial cooperative,
and owned by the members we serve, we return
earnings to our member/owners through lower
loan rates, higher interest yields, and lower
fees. In addition, we understand our role in
protecting your personal data, as well as your
personal assets.
We look forward to establishing a strong, lasting
relationship with you and your family. Thank you
for allowing us the opportunity to serve you.
Member
BENEFITS
All members can enjoy these benefits:
• Membership for the Entire Family
• NCUA Federal Deposit Insurance
• Online Services (Online & Mobile
Banking, Bill Pay, Mobile Deposit)
• Experienced Member Call Center
Representatives
• Direct Deposits
• Competitive Deposit Accounts
• Customized Loan Products
Table of Contents
Welcome................................................2-3
Account Access.....................................4-5
Checking................................................6-7
Savings....................................................8-9
Certificates, IRAs & HSAs..........................10-11
Mortgage Loans....................................12
2 (800) 845-5025 www.ConnexusCU.org
Jeff H.
from Ohio
wrote:
Home Equity Loans...............................13
Auto/Personal Loans........................14-15
Debit Cards.............................................16
Credit Cards............................................17
Additional Services...........................18-19
Contact Information...............Back Cover
“After almost 30 years, I’ve not found a better
partner in managing my everyday finances. Even
hundreds of miles from Wausau, Connexus is the
best place for my banking.”
3
Account ACCESS
Online Services & Financial Resources
Mobile Deposits
Connexus understands you want access to your
accounts on your schedule. We are excited to
provide you with our secure, state-of-the-art
Online and Mobile Banking system. This
makes Online and Mobile Banking a perfect
solution for you!
Our Connexus Mobile App allows you
to safely and securely deposit a
check from any smart phone.
It is no longer necessary
to mail in your checks,
or to deposit them at
a branch location or ATM.
Online Banking
Connexus offers a secure, free Online Banking
experience that makes managing your finances
easy with 24/7 access and advanced online and
mobile services:
• Bill Pay
• Mobile Deposit
Online Banking
• Transfer Funds
• eStatements
• Account Notifications
• Financial Management Tools
Once you’ve registered for your Online
Banking account, download the free Connexus
Mobile App through the App StoreSM or Google
PlayTM. Simply login at www.ConnexusCU.org.
Mobile Banking
Access your accounts anytime,
anywhere with your Internet-enabled
mobile phone or tablet device. View
your account balances, transfer
funds between accounts, make
a payment or receive alerts
right to your device. You need
to have a registered Online
Banking account to use
the Connexus Mobile App.
Bill Pay
Send payments to virtually anyone, anywhere
and at anytime. With free Connexus Bill Pay you
can make one-time payments or schedule
automatic recurring payments.
4 (800) 845-5025 www.ConnexusCU.org
Transfer Funds
With Connexus Online Banking you can transfer
funds between your Connexus accounts, between
other financial institutions, directly to a Connexus
member, or to an individual’s account at
another institution.
eStatements
Go paperless and reduce clutter by choosing
online eStatements. It’s a safer, faster, more
convenient way to receive your account
statements. eStatements are identical to paper
statements with the added benefit of viewing
them in a secure environment. You can also
access and review electronic statement history
more quickly than retrieving paper statements.
Financial Management
Manage your finances and track your spending
within Online Banking. Create personalized
budgets and categorize transactions to monitor
your spending habits. Set spending limits and
receive alerts via email or text.
Telephone Banking
With our 24-hour Telephone Banking service,
you can transfer funds and view balances any
time, day or night. Call Telephone Banking at
(800) 438-2747 and follow the voice prompts
to get started.
5
CHECKING
Benefits with Every Checking Account
Which Checking Account is the
right one for you?
• No minimum balance
• Visa® Debit/ATM Card
- Unlimited Visa® Debit Card transactions
- Unlimited Connexus ATM use
• Online & Mobile Banking
- Online Bill Pay
- eStatements
• Loan rate discount with Active Checking1
• Personal Line of Credit overdraft protection
for qualified borrowers
Connexus offers a variety of checking options
tailored to meet your needs. Please refer to
the chart below:
Account Benefits
Special Rates/Features
Xtraordinary
1.75%
1.35%
APY3
Innovative
Free
No Minimum Balance4
Monthly Maintenance Fee
None
None
None
Rewards Earned
Variable interest rate on
balances up to
$25,000
Variable interest rate on
balances up to $25,000
Not available
Up to $25 per month in
surcharge rebates at
ATMs within the U.S.
Required to
Earn Rewards
MyRewards
APY2
Up to $25 per month
in surcharge rebates at
ATMs within the U.S.
Free ATM Transactions
6 per month
4 per month
4 per month
Direct Deposit and
Automatic Withdrawal
Activity
One direct deposit
required per month5
One direct deposit or ACH
automatic withdrawal
required each month5
Not required
Visa® Debit Card
Transactions
Minimum of 15
required per month5
Minimum of 10
required per month5
Not required
Online Bill Pay
One online third party
bill payment required
per month5
Not required
Not required
eStatements
Required
Required
Not Required
1
Active checking is required to receive the 1% Annual Percentage Rate (APR) discount on
consumer loans. Active Checking is defined as having at least one (1) Direct Deposit of net pay,
including salary, wages, government benefits or pension made to the account each month;
having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the
last business day of each month; and electing to receive eStatements. ATM transactions
not included.
2
Annual Percentage Yield (APY) accurate as of 9/01/2015. Rate tiers are as follows: 1.75%
APY earned on qualifying accounts $25,000 or less. Monthly qualifications are: E-Statement
participation and one (1) ACH credit, one (1) third party Bill Pay debit, and fifteen (15) debit card
transactions clearing your account by the last business day of the month. 0.20% APY earned on
non-qualifying accounts; 0.25% APY earned on qualifying accounts over $25,000. Rates
subject to change.
6 (800) 845-5025 www.ConnexusCU.org
3Annual
Percentage Yield (APY) accurate as of 9/01/2015. Rate tiers are as follows: 1.35% APY
earned on qualifying accounts $25,000 or less. Monthly qualifications are: E-statement
participation and one (1) ACH debit or credit and ten (10) debit card transactions clearing your
account by the last business day of the month. 0.20% APY earned on non-qualifying accounts;
0.25% APY earned on qualifying accounts over $25,000. Rates subject to change.
4No
minimum opening deposit or minimum balance required. This account does not
earn dividends.
5Must
post to your account by the last business day of the month.
Federally insured by NCUA.
7
SAVINGS
Savings
Holiday Club
Regardless of what you’re saving for, we want
to help you save more and maximize your results.
Be prepared, no matter what the future brings,
by opening a Connexus Savings Account.
It’s never too early to start saving for the
holidays! Your Holiday Club savings will
gradually grow as you automatically deposit
a set amount of money from each paycheck
or simply deposit on your own as often
as you’d like.
• Interest bearing
• Low minimum balance
• Online & Mobile Banking
for 24/7 account access
• Direct deposit
• Automatic deposits
• Account statements
• Multiple accounts available
for long-term savings goals
• Telephone Banking
See Investment Rates Sheet
for current savings rates.
Money Market Accounts
Our money market accounts yield more than a
traditional savings account – while offering you
great flexibility and easy access to your money
through Online and Mobile Banking.
Youth Savings
Teach children under the
age of 12 the value of
saving with the help of a
Connexus Youth Savings
Account. Have fun
saving money
and receive rewards
along the way.
Mary D.
from Georgia
wrote:
8 (800) 845-5025 www.ConnexusCU.org
“It’s always easy to reach a helpful member
service representative and the online banking
site is user friendly.”
9
CERTIFICATES
IRAs and HSAs
Certificates (Share & IRA)
Individual Retirement Account – IRA
Certificates are a solid investment option if
you have the ability to lock in your money for a
specified time. In exchange, you’ll be rewarded
with a higher rate of return. Share Certificates
and IRA Certificates are a smart way to save for
major life events, such as a new home,
wedding, dream vacation or retirement.
Whether you’re looking for a Traditional IRA or
Roth IRA, our knowledgeable employees can
help you find an investment strategy that works
best for your budget and lifestyle.
• Increased earning potential
• More secure than stocks, receive
guaranteed earnings
• Choose from a variety of terms to
meet your needs
• Safe & secure – earnings insured by NCUA
Education IRA Savings Account
Coverdell Education Savings Accounts (CESAs)
are non-deductible college savings plans that
allow tax-free withdrawals for a child’s
education expenses from birth to age 30.
Contact your tax consultant for more
information about your particular tax situation.
Health Savings Account – HSA
A Health Savings Account is owned by an
individual to help save for future qualified
medical expenses and retiree health
expenses using a medical expense account.
Health Savings Accounts are used in
conjunction with a high deductible health plan
and allow you a more flexible spending account
to manage your health care costs.
See Investment Rates Sheet
for current savings rates.
10 (800) 845-5025 www.ConnexusCU.org
11
Mortgage LOANS
Home Equity LOANS
Mortgage Loans
Home Equity Loans
If you’re in the market for your first home,
planning a move, refinancing or building your
dream home, our mortgage loan experts can
provide you the tools and information you need
to make a smart financial decision.
Choose from a variety of low rates, attractive
terms and easy payment options:
• Fixed or Variable Rates
• Variety of Terms
• Flexible Closing Costs
• Low Down Payment Options
Try our no-hassle, free Mortgage Comparison to
see if we can save you money.
Use your home’s equity to finance your next big
expense or consolidate other higher-rate debt. A
home equity
loan is one of
the best
ways to pay
for major
expenses
like home
renovations,
medical
bills or a
much-needed
vacation.
Rapid Refi
Home Equity Line of Credit – HELOC
Rapid Refi combines a
low interest rate with a
shorter fixed loan term
to help you save
money over the life of
your mortgage! A Rapid
Refi can help you
shorten your term and
realize significant
savings.
When you need money for a major purchase, a
Home Equity Line of Credit (HELOC) is the perfect
choice. A HELOC is
a form of revolving
credit in which your
home serves as
collateral. Already
have a HELOC with
another lender?
Refinance yours with
Connexus and save!
Ivan P.
from Oregon
wrote:
12 (800) 845-5025 www.ConnexusCU.org
“My family had moved from New Hampshire to
Oregon. We needed a complex loan and weren’t able
to attend our own closing. Connexus delivered! They
impressed us with their ability to work with us and the
other people involved in our move!”
13
Auto/Personal LOANS
Auto Loans
Personal Loans
In the market for a new
vehicle or looking
to refinance an existing
auto loan? Connexus can
help with all your finance
needs. Get quick approval
and a payment that fits
your budget.
Get a personal loan or personal line of credit
to finance your renovation, vacation, or any
expense, big or small. With low rates, fixed or
flexible terms and no
application fees, you can
use a personal loan to
catch up on bills, to pay-off
high-interest credit card
balances or to make that
dream vacation a reality.
Personal loans and
personal lines of credit are
easy, convenient ways to pay
for life’s unexpected
expenses. Let us help you
reduce your monthly
payments and simplify your
finances with a customized
loan and a payment plan
that’s right for you.
Guaranteed Asset Protection – GAP
Guaranteed Asset Protection (GAP) is an
affordable coverage that pays the difference
between your insurance settlement and your
loan balance, up to 125% of your vehicle’s
current value.
Vehicle Warranty Program
Secure your investment and get
bumper-to-bumper coverage
for your vehicle.
Payment Protection
Payment protection, also known as credit life
and/or credit disability, is a way to provide
protection against loss of income due to death,
disability, or involuntary unemployment.
Visit www.ConnexusCU.org
to get more information about
loan rates and protection programs.
NOTE: All the above programs can be included
as part of your regular loan payments.
RV & Boat Loans
Take advantage of our low-rate
financing and refinancing
options for boats, personal
watercraft, campers, RVs and
more. Our quick approvals will
help ensure you’re ready to
cruise the countryside or
explore the open water.
14 (800) 845-5025 www.ConnexusCU.org
15
DEBIT Cards
CREDIT Cards
Debit/ATM Cards
Visa® Bonus Rewards PLUS Card
If you’re a member with a checking account,
a Connexus Debit/ATM Card gives you
convenient access to your money in two
different ways:
Cardmembers will earn more reward points
even faster with a 50% monthly points bonus
on every purchase.
Visa® Bonus Rewards Card
• As an ATM Card, gives you fast cash access
24 hours a day, 7 days a week at thousands
of ATMs nationwide.
• As a Debit Card, provides you with the
freedom to make purchases anywhere
Visa® is accepted.
Cardmembers will earn 25% more reward points
on every purchase, every month, automatically.1
Visa® Platinum Card
Cardmembers will enjoy the everyday
convenience of a Visa® card without rewards.
Cash Rewards American Express® Card
Cardmembers will earn up to 3% cash back.2
Travel Rewards American Express® Card
Designed with the traveler in mind, cardmembers
will earn rich rewards and enjoy exciting travel
benefits.
1The Elan Rewards Program is subject to change. Points earned on Net Purchases (purchases
Follow These
T
1
N
A
2 Cash Rewards Card “Cash Back Rewards” are the rewards you earn under the program. Cash
Carefully review the
front and back ima
ges.
Submit all changes
at one time.
Background
BIN Number
Logo Color
Program Name - if
needed
Your Logo
information correct?
Address - Most curr
ent
Back Text
Network Bugs
Phone Number(s)
- Most
Approve Card
FRONT
FRONT
BACK
4744
The creditor and issuer of these credit cards is Elan Financial Services, pursuant to a license
from Visa U.S.A. Inc. from Visa U.S.A. Inc.
GOOD
THRU
Connexus Credit
Union
BIN #: 474415
Logo #: 040527v/b
Date: 03.17.15
Images
If Approved:
P
Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 1 point.
You may simply see “Cash Back” in marketing material when referring to the rewards you earn.
You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits
and returns) charged to your Account during each billing cycle. You will also earn 1 additional
Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during
each billing cycle at merchant locations that are classified in the merchant category code of
supermarkets. The number of additional Points earned on supermarket Purchases is unlimited.
In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net
Purchases charged to your Account during each billing cycle at merchant locations that are
classified in any of the following merchant category codes: automated fuel dispensers and
service stations, up to a maximum of $6,000 spent during each 12 month period commencing
on the anniversary date of this Account. Automated fuel dispenser and service station purchases
above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 Point for each
dollar of Net Purchases charged to your Account during each billing cycle.
current
Please note that you
will
for each round of req be charged $80
uested changes.
2
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Images
Is the following fron
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minus credits and returns). You earn 1 point per dollar of Net Purchases made with your
Account. Points expire five years from the end of the quarter in which they are earned. Bonus
Rewards: The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net
Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned
on Net Purchases within a billing cycle (total 1.25%). Bonus Rewards Plus: The 50% more in
bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional
50% (0.50) in points awarded based upon the total points earned on Net Purchases within a
billing cycle (total 1.50%). Monthly net purchase bonus points will be applied each billing cycle.
Forward(800)
16
845-5025
www.ConnexusCU.org
this email with
the words
PROOF APPROVED,
along with your
Name, Finan
BACK
V00000 6/10 Fiserv
17
Additional SERVICES
Direct Deposit
Financial Resources
Direct deposit is a safe and convenient way
to automatically have your paychecks, Social
Security payments and government checks
deposited directly into your savings or
checking account.
Connexus provides you with the financial tools
and resources to help make you make informed
financial decisions. Get detailed information on
credit scores, financial investments and financial
calculators.
Wire Transfers
Financial Counseling
When you need to get money somewhere fast,
a wire transfer is an excellent way to do it. A wire
transfer is a transfer of money from one bank or
credit union account to another.
Take advantage of free access to independent
financial experts and financial education services.
Experts can help you overcome debt with free
financial counseling and monthly budget
development. All services are anonymous
for added security.
International Travel
Plan on traveling overseas and want to use your
Debit/ATM Card or Credit Card? Let us know
ahead of time to ensure access to your accounts.
Security Center
Security of our Members’ accounts and
information is a top priority at Connexus. Visit
our website for ways to protect yourself from
scams and fraudulant activity. Not only are we
committed to the safety and confidentiality of
your records, we work to educate you on how
to keep yourself safe and protected from
online risks.
Visit www.ConnexusCU.org
for more information
about our
services.
Jan N.
from Wisconsin
wrote:
18 (800) 845-5025 www.ConnexusCU.org
“I have lived in a number of states and Connexus has
come along for the ride offering me great service no
matter where I’ve been.”
19