What`s Your Real Rate???
Transcription
What`s Your Real Rate???
SM 4th Quarter 2013 What’s Your Real Rate??? If you’re in the market for a new vehicle, you’re going to like what you see. Auto makers have stepped up with amenities, advanced technologies, and safety features. All you need now is a great rate to go with that great new vehicle. While other financial institutions try to lure you in with their “as low as” rate, when you read the fine print, you’ll find that you have to jump through hoops to get that rate. For example, you may need to use automatic payment, or finance for a shorter period of time, or your vehicle may have to be over a certain amount to qualify for that “as low as” rate. At Argent, our low-rate vehicle loans come with no gimmicks. Our lowest rate of 1.99% APR* is good for up to 63 months with no discounts required! Do you have less than perfect credit? We still offer competitive low-rates, up to 63 months, again with no hoops to jump through! So don’t fall for the “as low as” rate until you actually read the fine print. To find out what the payment would be on a vehicle you’re interested in, use the loan calculator on the vehicle loans page of our website, www.ArgentCU.org. While you’re there, go ahead and apply for a loan. It’s quick, easy and convenient! Argent Is Different Argent offers many of the same services you find at other financial institutions. However, our fees and borrowing rates are lower, and savings rates higher, because as a credit union, we are a not-forprofit financial cooperative. Simply put, profit-driven financial institutions like banks must make money to pay stockholders. Since we don’t have stockholders to pay, ALL credit union members benefit from the credit union’s financial success. Wouldn’t you want your family and friends to keep more of their hard-earned money like you? Invite them to become a member at Argent by joining online at www.ArgentCU.org. Argent Is Different – we’re better than a bank! *APR = Annual Percentage Rate. The Season of Giving Let Argent give you a reason to enjoy this season even more. 1. Take that winter break and go someplace fun. 2. Purchase that new pet your kids have been wishing for. 3. Renovate that extra room for out-of-town family and/or guest. 4. Purchase that one-of-a-kind engagement ring for the big announcement. 5. Update those old appliances that are on their last leg. This season, let Argent help you give your loved ones, or yourself, that perfect gift. Apply online at www.ArgentCU.org for an affordable loan today. Take a Skip-A-Pay Holiday Let’s face it, this is the time of year when you can use a little extra cash. Skip-A-Payment on your auto or personal loan and take a month off. It’s easy! Simply complete the Skip-A-Payment form on our website and send it in. Visit us online for more details or to get started. Bring your family members out to visit any of our branches on Thursday, October 17th, which is International Credit Union Day. We’d love the opportunity to meet them personally and show them how Argent can make a difference in their lives. We’ll serve refreshments at each of our locations that day and look forward to seeing you then. -AP I SK AY P www.ArgentCU.org Argent Investments & Retirement Salvation Army Angel Tree Program Argent Credit Union is a Corporate Sponsor of the Salvation Army Angel Tree Program. Please be sure to visit our website and Facebook page later this month for information on how you can help us help those who are in need this holiday season. Our FREE Checking & VISA Debit Card Combo Just Got Better! Whatever your stage of life, we are here to help you with topnotch financial and investment advice, and a full spectrum of tools and options designed to help you achieve your dreams – all as close and convenient as our office. Contact the Argent Investments & Retirement representative, Philip “Tres” H. Moore, III CFP® at (804) 748-9488, ext. 3368 to arrange a no-cost, no-obligation consultation today. Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. Tid Bits s Busch Gardens: Get your discounted Howl-O-Scream and Christmas Town Busch Gardens tickets by logging into home banking at www.ArgentCU.org. s Fall Back: Daylight savings time ends on Sunday, November 3rd. Don’t forget to “Fall Back” 1 hour. s Gift Cards: Save time and gas. Get your VISA gift cards from any of our Member Centers. It’s the perfect gift for the holidays. Cámbiate a una cuenta gratuita de cheques de Argent Anime a su familia y amigos para cambiarse a una cuenta de cheques gratis de Argent. En comparación con los bancos, los estudios nacionales muestran que más Uniones de Crédito te ofrecen chequeras sin comisiones o comisiones muy bajas, el uso de cajeros automáticos, y sobregiros. Además, una cuenta de cheques gratis Argent viene con una tarjeta de débito. Es el momento de hacer el cambio a una cuenta de cheques gratis de Argent hoy! This article encourages our Spanish speaking members to open an Argent Checking account. Contact Us (804) 748-9488 (800) 943-3328 Why do our members love our VISA Debit Card that comes with our FREE Checking? Convenience – It’s quicker and eliminates the need to carry cash. Pay-as-you-go – You have the convenience of plastic without paying interest. Zero liability* – There’s zero liability if your card is lost or stolen. Cash back – Get cash back at ATMs or many merchant locations. In addition to those great benefits, now you can customize your VISA Debit Card! Simply upload your personal photo or select an image from our image gallery and order your card – all online! Show off your keepsake photos, child’s artwork, favorite hobby/sport, or memorable vacation. The process only takes a few minutes and you’ll receive your new card in as little as 7 – 10 business days. Join the many who LOVE Argent’s FREE Checking and VISA Debit Card combo. Then, reflect what’s most important to you by customizing your debit card. Visit us online at www.ArgentCU.org to find out the cost and how to customize your card today! *Certain restrictions apply. Refer to our Electronic Funds Transfer disclosure. Holiday Closings: s Monday, October 14th – Columbus Day s Monday, November 11th – Veterans Day s Thursday, November 28th – Thanksgiving Day s Wednesday, December 25th – Christmas s Wednesday, January 1st – New Year’s Day Note: All Argent locations will close at 2 p.m. on Christmas Eve - Tuesday, December 24th. Mailing Address Email Web Address Phone Banking P.O. Box 72 [email protected] www.ArgentCU.org (804) 275-6259 Chesterfield, VA 23832 (800) 227-2068 Federally Insured by NCUA.