HMFCU Youth Newsletter Spring 2012.qxp

A publication of Holston Methodist Federal Credit Union | www.hmfcu.org | Toll Free (800) 782-9257
National Credit Union Youth Week
You are invited to join us the week
of April 22-28 for National Credit
Union Youth Week. All youths will
receive a free gift and for each youth
you bring in to make a deposit or open
an account you will receive your
choice of one of the following:
• FREE Regal Movie Ticket
• 25% discount on a new loan
with automated payments
• $50 off closing costs on any
mortgage
• FREE 4-pack fluorescent bulbs
when you switch to e-statements
Free refreshments will be served
throughout the event. Don’t miss this
opportunity for an enjoyable family
affair.
Pre-Paid Gift/
Travel Cards
Give the gift that lets
them buy what they really
want. Available in five styles
that fit any occasion, any person,
our Visa Gift Cards can be used
anywhere Visa is accepted worldwide, including in-store, online
and by phone.
So they’re more functional than
a gift certificate and safer than
cash. To purchase a Visa Gift
Card, just ask us.
Now you can pay for college the smart way
With college costs
growing fast, it’s time to
borrow smarter. The
Smart Option Student
Loan® by Sallie Mae
offers three repayment
options and competitive
interest rates to help
you pay for college
expenses not covered by scholarships
and federal loans.
PAY MORE. SAVE MORE.
INTEREST REPAYMENT OPTION.
Pay interest while in school and for
six months after school. The in-school
payments, plus our shorter repayment
term, can help you save over 20% on
your total loan cost compared to our
Deferred Repayment Option.
PAY A LITTLE NOW. SAVE A LOT LATER.
FIXED REPAYMENT OPTION.
Pay just $25 a month while in
school and for six months after
school. The in-school payments,
plus our shorter repayment term,
can help you save over 10% on
your total loan cost compared to
our Deferred Repayment
Option.
GET MAXIMUM
FLEXIBILITY. DEFERRED
REPAYMENT OPTION.
Defer payments until
after school, or pay as
much as you want while
in school, to enjoy maximum flexibility. You’ll choose your
repayment option during the application process.
Sallie Mae has helped more than 30
million Americans pay for college
since our founding almost four
decades ago. Applying online is easy
and only takes about 15 minutes to
apply and get a credit result.
Bank Eco Friendly with
EZ Green Checking
• FREE, No Minimum Balance
or Fees
• Earns Dividends
• Overdraft Protection
• Visa Debit Card
• Paperless to Help the
Environment
• Electronic Statements
• Online Banking with Bill Pay
By going paperless you can save
trees and help the environment by
reducing the amount of mail transported by trucks and airplanes.
This account permits no paper
checks. Direct deposit required
(if available.)
Reap the Benefits of the HMFCU Mastercard!
Accepted by millions of merchants worldwide, Holston Methodist FCU
Platinum Preferred Mastercard offers an unbeatable combination of
convenience, savings and security. You can even earn great rewards, free
of charge, just by using your card.
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Low, Fixed Rate
No Annual Fee*
No Interest if paid in full within billing cycle
Great to have for emergencies
Can Help Move You Toward a Perfect Credit Score
ScoreCard Rewards for Your Purchases
No Universal Default Clause
* $38 Waived with Share Draft, Direct Deposit, Estatements, and
Visa Debit Card
With the 6 month GPA Share Certificate
at Holston Methodist FCU, you earn
interest based on your GPA!
So if your GPA is 3.5, you will earn a
3.5 APY (Annual Percentage Yield.)
*Minimum Balance $1,000 *Minimum Earning Balance $1,000
*APY will equal GPA (Grade Point Average). Student Member must provide copy of most
recent report card. Must not exceed $1,000 per certificate, cannot exceed $5,000 cumulative.
We're Everywhere! Make a deposit at any First Tennessee or BB&T location or Direct Deposit.
Plus, HMFCU offers over 40,000 worldwide ATM locations to get cash surcharge FREE!