SOAK UP - Wepawaug Flagg Federal Credit Union
Message from the President
New Convenient Services Are Here!
We’ve made it a little easier for you to access your credit union account!
It has been an exciting year for your credit union.
We have rolled out online membership applications,
making it easier than ever for your family or coworkers
to enjoy the benefits of membership. Tell them about it
We are now part of the CO-OP Shared Branch network.
With over 5,000 credit union branches participating
nationwide, as a member of Wepawaug-Flagg you
now have a branch network that is larger than Bank of
America and all but two banks in the nation. You can
expect outstanding service if you visit a shared branch
just as if you were walking into one of our offices.
Remember you must have a valid form of government
ID to do transactions at a shared branch. Please let us
know about your experiences with this new service.
There are APPs in the Apple and Google stores that
allow you to find shared branch and ATM locations
for Co-Op. Download the apps and always be near a
branch that can help you.
Please sign up for e-statements & notices. It is fast and
secure. We are still working on the Mobile APP and the
Mobile Deposit App for implementation this year.
The job growth in Connecticut remains slow but
steady and unlike much of the nation, we have not
replaced all the jobs lost in 2008-2009 recession. This
partially explains why our recovery doesn’t feel like a
great success. On a nationwide basis the economy
is much better and for the first time in almost seven
years we may see an increase in interest rates later
this year. There are still many experts who think rates
are not going to increase until 2017 or later because
of weakness in the worlds other major economies. I
don’t know who will be right but there is still time to
refinance higher rate debt and to finance automobiles
at historically low rates. Stop in and get prequalified for
a new or used auto today.
Shared Branching- Access your WFFCU account from almost anywhere! We
have partnered with the CO-OP Shared Branching network to offer our members
a convenient way to access their accounts from almost anywhere.. Just go to the
CO-OP locator on our website, select “Shared Branching” and enter your zip code,
or town and state. The local participating credit unions will be listed. You’ll be able
to make cash or check deposits, make payments on your WFFCU loans, withdraw
cash, and get a printed history of your account. It’s like having a Wepawaug-Flagg
Branch almost anywhere you are. Plus, we have an App for your iPhone or Android
phone available to download to make finding a branch near year easier.
e-Statements & Notices-Use this with our Online Banking service (you will first
need to opt in) and view your monthly statements (excluding Visa Credit Card).
It’s also a great way to get rid of the paper clutter. Once you‘ve signed up for
e-statements you will not receive a paper statement. (You can opt back in to
receive a regular statement if necessary.) At the beginning of each month you’ll
receive an email from us when your statement is ready. It’s the fastest and the
easiest way to get your statements.
Online Membership Application-We’ve made it easier to become a WFFCU
member! We now have an online application you can use to sign up! (Must be
18 or older). It’s a convenient way to become a member . (Remember immediate
family members can sign up.) Just click the “Apply for Membership” link on the
front page of our website and follow the prompts.
Mobile Banking & Deposit Capture- Coming later this year! Use your cell phone
or tablet to access your account. Check balances, transfer money between
accounts, even deposit checks. Watch our website for details.
2015 Annual Meeting
The 2015 Annual Meeting was held on April 22 at the Country House Restaurant in
East Haven. Over 85 Members were in attendance that enjoyed a great dinner and
many went home with some great raffle prizes.
Visit us at wffcu.org
The election of officers were as follows:
John Manning • Ceil A. Petrone • Thomas S. Dorr
All three were elected for 3 year terms.
Quassy Amusement Park
Wepawaug Flagg Helping the Community
We continually look for ways to support our community. Here are just a few of the ones
we helped over the past few months…
Wepawaug-Flagg once again supported the annual Hamden Police and Connecticut
Classic Chevy Memorial Day Car Show at Quinnipiac University. The money raised
goes to local charities.
Tip-A-Cop. Wepawaug-Flagg again proudly participated in this annual event run by the
Hamden Police Department. Proceeds of the event go to Connecticut Special Olympics.
We supported the Smilo Cancer Hospital at Yale New Haven.
Quassy Amusement Park discount tickets are available
again this year. As a member of Wepawaug-Flagg
FCU, you are eligible for discounts. Just go online to
www.Quassy.com, go to the “buy tickets” tab, click
orange promo code button, put in our company code
“wffcu”, and hit continue to make a purchase.
We donated to the Craig Hillo Memorial Sports Scholarship in North Haven.
If you’re planning on adding a
pool, fixing the roof or other home
improvements this summer, your timing
couldn’t be better. Our Home Equity
Loan rates are currently very low.
Now is the time to apply and save!
Refinance Your Mortgage
with No Closing Costs!*
• Reduce your current mortgage rate and term–
at no cost to you!
(10 and 15 year terms also available.)
To apply stop in or use our online loan application at wffcu.org.
*APR=Annual Percentage Rate. Rates Effective 7/1/2015. Rates are subject to change without notice. 5 year fixed rate,
3.50% Annual Percentage Rate (APR). A $15,000 loan, with an APR of 3.50% and an LTV of 80%, you would make
60 monthly payments of$272.85. To estimate monthly payment, use $18.19 per $1000 borrowed. Minimum borrowed
amount is $15,000.
Special Rate for 10-year
first mortgage loan**
5 Year Home Equity Loan
• Take additional cash for any reason (pay off a second mortgage or other debt).
Get rates as low as 2.00% APR!
• We will not sell your mortgage to anyone.
• No mortgage on your home? Borrow $25,000 or more for any purpose.
And, we’ll give you Kelley Blue Book®
Trade-In Value for your vehicle.2
• Minimum loan is $25,000.
Upon used vehicle purchase from Enterprise Car Sales.
• Maximum loan to value is 80%.
July 1 – 31, 2015
Call 203-288-1695 to get pre-approved by your credit union today!
Questions? Want a payment quote?
Call us at (203) 288-1695 and ask to speak
to a loan department representative!
Call 866-227-7253 for the nearest Enterprise Car Sales location
or preview our great selection of quality used vehicles at enterprisecarsales.com/cuautorates
*Closing costs must be reimbursed only if mortgage is paid in full within two years.
**Not for home purchase.
***APR=Annual Percentage Rate. Cannot be used to refinance an existing
WFFCU mortgage loan unless taking $25,000 in “new money.” WFFCU does
Consumer disclosures: 1: APR=Annual Percentage Rate. Rates as low as 2.00% APR for up to 60 months. Lower rates will be available for shorter term lengths. This is a buy down rate. The amount of
low as 2.00%
for up to 60Federal
not escrow for taxes and/or insurance.
buy down will not affect
the price ofdisclosures:
the vehicle. 100%
buyers will qual
is a buy
of the Car
On a $25,000 loan at 3.75% for 10 years, the approximate monthly payment
Actual rate may vary
– 7/31/15. Wepawaug-Flagg
NCUA. 2: Kelley
Blue Book Wepawaug-Flagg
Trade-In Values used byFederal
© 2015 Kelley
is $250.15. To estimate a monthly payment, use $10.00 per $1,000 borrowed.
com. Kelley Blue Book
and mileage of vehicle.
of the vehicle
aspect of determining
for 60 months
Rate effective July 1, 2015, and is subject to change without notice.
Trade-In Value. Kelley
to the age
of the vehicle
Car Sales at 20% of the
If a Kelley
Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterpr
NCUA. 2: Kelley and
offer. Customer must
on one trade-in
apply. For details, website
see an Enterprise
part of Enterprise
Enterprise from ot
Value. Kelley Blue Book valuation
sources including the
This offer cannotits
adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s
The “e” logo, Enterprise,
Inc. All other trademarks
are the propertywill
If a Kelley
for customer’s vehicle. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required
proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise
vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited. Used vehicles are
previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with
previous use possibly short-term rental, lease or other. This offer cannot be combined with any other offer.
The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2015 Enterprise Car Sales.
Friday and Saturday
July 3 & 4
Monday, September 7
MAIN OFFICE (203) 288-1695
NEW HAVEN OFFICE (203) 946-8700
SCSU OFFICE (203) 392-9900
TouchTone Teller (203) 281-5059
VISA® Credit Card
After Hours (800) 433-0505
MasterMoney Debit and ATM Card
After Hours (800) 754-4128