July 2014 - Commonwealth Credit Union

Q U A R T E R L Y
N E W S L E T T E R
QUARTER: 3 | JULY 2015 |
We all have people in our lives who shape each decision that we make. Your loved ones
make achieving those dreams worth it, Commonwealth CU helps make it possible.
AUTO LOANS
“I recently found the perfect convertible for a great deal, but I needed to move quickly. The bank
I had been with for 25 years told me that it would take 4 to 6 weeks to secure a loan. I thought
my dream was over. However, I recently became a member of the Commonwealth Credit Union in
Frankfort. I sent an email to Karen “The Boss” Harbin and asked to have an auto loans representative
call me. Later that day, Deonna called and asked how she could help me. I almost fell out of my chair
when she said, ‘I can have you a check ready tomorrow or whenever you need the loan.’” - GARY
Learn more about our Auto Loans and refinancing options at ccuky.org/auto
HOME LOANS
“I have been a member of Commonwealth CU since 1988, when I asked them to help me with my
first home. They went above and beyond to help in every step. Since that day, the credit union and
their staff have been there for me in everything I have asked for. They have also gone out of their way
to help my daughter. I do not know what I would have done if not for my credit union. Thank you for
always taking time out for me and my family and always following up with me and my concerns.
I LOVE U CCU and you have the most understanding employees I have ever talked to.” - WILLIAM
Learn more about First Home Savings Plus at ccuky.org/FirstHome
CREDIT CARDS
“Commonwealth CU gave me a line of credit to help send my wife back to school and get a better
job. The line of credit has also came in handy when I got hurt and needed cash to get by until I got
my short term disability check. We love Commonwealth CU!” - BRIAN
Learn more about Balance Transfers and Everyday Rewards at ccuky.org/MYCard
Want to share your story about how Commonwealth CU made it possible?
Please visit T h e y M a k e I t W o r t h I t . c o m
HELP LOAN SPECIAL
FROM TIME TO TIME, WE ALL NEED A LITTLE HELP
FINANCIAL POWER IN THE
PALM OF YOUR HAND
CONNECT TO MORE ONLINE OR WITH OUR APP!
Your cell phone is a powerful tool that can do more than
just take selfies. And in a fast-paced world, and you may
not have time to stop by a branch... but don’t worry, we
have a convenient, secure app for that.
RATES IN EFFECT FOR 6
MONTHS AFTER LOAN
ADVANCE
FULLY INDEXED RATE AS
OF MARCH 26, 2015
APR*
APR*
1.99%
RATES AS LOW AS
3.50%
OFFER EXPIRES: December 31, 2015
Our HELP loans allow you to make big purchases and
projects a breeze. To apply, give us a call at either
800.228.6420 or 502.564.4775
For more info, visit ccuky.org/help
*The Annual Percentage Rate is a variable rate and the maximum APR that can
apply is 14%. The annual percentage rate may vary after the account is opened.
Closing costs range from $81.50 to $1,500. Property insurance is required and
not included in the closing costs. Potential line of credit is $5,000 minimum and
$100,000 maximum. Rates, terms and conditions are subject to change and vary
based on credit worthiness, qualifications and collateral conditions. All loans
subject to approval. Funds cannot be used to pay off existing Commonwealth CU
loan or credit card balances.
SOMETHING DIFFERENT IS
COMING TO SHELBYVILLE
WE’VE GOT GROUNDBREAKING NEWS!
We’ll soon be building our newest Commonwealth CU
branch in the beautiful city of Shelbyville, and we’re
bringing groundbreaking service with us! Keep up with the
progress of our new branch at ccuky.org/Shelbyville
Take us with you when you’re
on-the-go with our app! The
Commonwealth CU app allows
you to conduct transfers from
Person-to-Person, deposit funds
with Mobile Deposit, pay bills
with Snap It. Pay It. and more...
anywhere in the world, at any time.
And with Apple Pay, it’s easier
and quicker than ever to pay.
WE’RE IN THE COMMUNITY!
JOIN US AT ONE OF OUR EVENTS!
Each year, Commonwealth CU sponsors all kinds of
events to benefit those in our
community. We also lend a hand
wherever possible to similar events
organized by others.
To learn more about our events,
please visit our Events Calendar at
ccuky.org/whatsnew
STEVE TOBIN
SR FINANCIAL PLANNER
Steve can help you with:
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Retirement Planning
401(k) and Pension Rollovers
Tax-Advantaged Investing
Mutual Funds
IRAs
Annuities
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.
FEDERALLY INSURED BY NCUA
PO Box 978, Frankfort KY, 40602 | 800.228.6420 | ccuky.org
Stephen W. Tobin, LUTCF
Sr Financial Planner
502.564.1502