Crisp Days of - Wepawaug Flagg Federal Credit Union

Fall 2015
Fall
Crisp
Days of
Message from the President
Hello New Wepawaug-Flagg Members!
Dear Member:
We’d like to welcome the members of United Shoreline to Wepawaug-Flagg
FCU! The merger of the two credit unions was completed on August 1st. With the
addition of United Shoreline FCU, members of both credit unions will benefit with
added access and new products. United Shoreline members can go to www.wffcu.
org for details on the products and services we have to offer.
As many of you may already know, on August 1st the
members of United Shoreline FCU became members of
Wepawaug-Flagg FCU in a voluntary merger of the two
credit unions. As part of the merger, Hank Petroskey and
Ben Deible have been added to the Wepawaug-Flagg
Board of Directors. We welcome them to the board and
know they will serve the entire membership well.
The real work of merging the credit unions begins after
the legal merger, when the data processing systems are
merged. This is a time-consuming and complex process
which we are working to make as efficient and least
disruptive as possible.
Unfortunately, to complete the process there will be
times during the conversion weekend when electronic
services will be limited. Impacted services include
telephone banking, ATM Cards, Debit Cards, Online
Banking and Bill Payment services which will be only
intermittently available from Friday, October 30th thru
Monday, November 2nd.
Our New Field of Membership Charter
and what it means for you.
We recently changed our charter from a Select Employee Group to a Community
Based Credit Union. This is great news for you! Our current employee groups can
still use Wepawaug-Flagg as their credit union, and it also means that anyone
who lives, works, worships or goes to school in New Haven County can now be
a member of WFFCU. Immediate family members can also join. So, if you have
friends in the county that are looking for a great financial institution,
let them know they can join Wepawaug-Flagg FCU!
This disruption will impact all members.
In addition to the impact on electronic services, it will
be necessary to close the Hamden office on Saturday
October 31st.
New debit cards will be issued to the former United
Shoreline members to be used after the conversion is
completed.
We know that closing on a weekend, at the end of a
month and not having access to electronic services can
create a hardship for members. We strongly encourage
you to plan for this change and make sure you have
sufficient cash for your weekend needs.
You will be receiving additional information in
separate mailings, on our website and posted in our
lobby. We hope you will pay close attention to all of the
information we provide on the conversion, which will help
minimize any potential issues. MARK your calendar
NOW so you won’t forget this important weekend.
Sincerely,
Refinance Your Mortgage with No Closing Costs!*
• Reduce your current mortgage rate and term – at no cost to you!
• Take additional cash for any reason (pay off a second mortgage or other debt).
• We will not sell your mortgage to anyone.
• No mortgage on your home? Borrow $25,000 or more for any purpose.
• Minimum loan is $25,000.
• Maximum loan to value is 80%.
Special Rate for 10-year
first mortgage loan**
Questions?
Want a payment quote?
President
Visit us at wffcu.org
3.75%
APR***
Call us at (203) 288-1695 and ask to speak
to a loan department representative!
*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 not escrow for taxes and/or insurance.
On a $25,000 loan at 3.75% for 10 years, the approximate monthly payment is $250.15. To estimate a
monthly payment, use $10.00 per $1,000 borrowed. Rate effective October 1, 2015, and is subject to change
without notice.
Our Home Equity Loan
Offers Many Uses
International Credit Union Day
is October 15
Join fellow credit union members on October 15 as
we celebrate International Credit Union Day. Since
1948, on the third Thursday of every October, credit
unions have celebrated a simple but radical idea—
that by working together, people can improve their
financial well-being. “People helping people,” this
year’s ICU Day theme, is the foundational philosophy
of the credit union movement, going back to the very
beginning. So help us celebrate. Stop by any of our
branches for refreshments throughout the day.
Planning on making home improvements before the winter
weather arrives? A Wepawaug-Flagg Home Equity Loan is
the affordable way to get them done. Repair a roof, add a
new kitchen or purchase new windows. The uses are almost
endless. Plus, you can even use it to pay college tuition.
ThisThis
fall,fall,
treattreat
yourself.
yourself.
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®
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Please call for rate. Apply online or
stop in one of our branch offices.
OctoberOctober
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1 – November
30, 2015
30, 2015
APR=Annual Percentage Rate. Rates as low as 1.75% APR for up to 60 months. Lower rates will be available for shorter term lengths.
This is a buy down rate. The amount of the buy down will not affect the price of the vehicle. 100% Financing available including Tax,
Title and License. Financing for qualified Wepawaug-Flagg Federal Credit Union members. Not all buyers will qualify. Actual rate may
vary based on creditworthiness. Sample monthly payment = $17.64 per $1,000 borrowed for 60 months at 2.25% APR. Offer valid only
on Enterprise Car Sales vehicles purchased from 10/1/15 – 11/30/15. Wepawaug-Flagg Federal Credit Union is federally insured by the
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used by Enterprise are obtained from © 2015 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on
accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the
vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue 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 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 were previously part of Enterprise short-term rental and/or
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 except those listed on this advertisement. 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.
talk about savings.
say hello to the Sprint Credit Union Member Discount.
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*APR=Annual Percentage Rate. Rates Effective 10/1/2015. 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.
Learn more
®
Upon used vehicle
Upon used
purchase
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Get rates
Get rates
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Call 203-288-1695
Call 203-288-1695
to get pre-approved
to get pre-approved
by your by your
Wepawaug-Flagg
Wepawaug-Flagg
Federal Credit
Federal
Union
Credit
today!
Union today!
Preview ourPreview
great selection
our greatofselection
quality used
of quality
vehicles
used vehicles
at enterprisecarsales.com/cuautorates
at enterprisecarsales.com/cuautorates
or call or call
1-866 227-7253
1-866 for
227-7253
the location
for thenear
location
you. near you.
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©2014 CU Solutions Group 091614 3528
HOLIDAY CLOSINGS
Columbus Day
October 12
Veteran’s Day
November 11
Thanksgiving
November 26, 27, 28
Christmas
December 25, 26
CONTACT INFO
MAIN OFFICE (203) 288-1695
NEW HAVEN OFFICE (203) 946-8700
SCSU OFFICE (203) 392-9900
BRANFORD OFFICE (203) 786-6410
New Year’s Day
January 1
www.wffcu.org
TouchTone Teller (203) 281-5059
VISA® Credit Card
After Hours (800) 433-0505
MasterMoney Debit and ATM Card
After Hours (800) 754-4128