Duke Credit Union

A New Tradition
in Auto Loans!
The “new” part of our tradition is your ability
to apply and pay online. Duke Credit Union
financing is conveniently available to you right
at the dealership; just look for the Credit Union
Direct Lending (CUDL) logo or ask a sales person.
Find participating dealers at www.dukefcu.org
under Loans, Auto Center, Auto Smart.
Same fixed rate for new or pre-owned autos!
Why use Credit Union Direct Lending (CUDL)?
• Saves time
• Rate discount of 0.25%
• Rates as low as 4.00% APR*
Apply online www.dukefcu.org,
call 919.684.6704 or visit us.
&
Office Closings
Announcements
after—
Thanksgiv ing Day and the day
Office Closed
Thursday and Friday, November 25-26
r
Chr istmas Eve and Monday afte
Chr istmas Day—Office Closed
27
Friday and Monday, December 24 and
r
New Year’s Eve and Monday afte
sed
Clo
e
New Year’s Day—Offic
January 3
Friday and Monday, December 31 and
the October 16,
Duke Credit union is sponsoring
r free tickets
Duke vs. Miami football game. Fou
Stop in today.
per member while supplies last!
You’ll drive away happy!
Financial Education Youth Day - July 15, 2010
Youth were visited by members of the Duke football
team: #62 Bryan Morgan, #40 Matt Daniels, #4 Walt
Canty, #21 Anthony Young Wiseman, and Coach
Derek Jones.
Visit:
Before you buy, check out pre-owned and ‘09
models on the lot. You could save a bundle!
Duke Credit Union
Fall News 2010
Happy Holidays!
Thinking about your holiday
shopping list? Need some extra cash?
We have a product that’s right for you!
• Holiday Loan*
Get up to $2,000 at 12% APR**
for 12 months. Apply by
December 31, 2010.
*APR-Annual Percentage Rates are subject to credit approval.
Rates are subject to change.
Consumer Tip!
A New Tradition at
Duke Credit Union
Erwin Square Plaza
2200 West Main Street
Durham, NC 27705
DUKE
CREDIT UNION
Service Centers
Duke N. Service Center
PRT Level, PGII
Duke Raleigh Hospital
Call: 919.684.6704
Click: www.dukefcu.org
for up-to-date rates and information
• Line of Credit*
Get extra cash when you need it!
Access your line of credit through
i-Access, Audio Express or call to
speak to a representative.
• Visa® Platinum Credit Card*
No annual fee, low percentage rate,
and online access with i-Visa.
* All loan products require member
qualification and are subject to
credit approval.
** APR=Annual Percentage Rate.
www.dukefcu.org
DUKE
CREDIT UNION
A Message from the CEO
The past 24 months have been full of economic challenges for our
entire community and nation. This situation has called Congress
to take action and propose new legislation. Legislation is bringing
about many new ways to protect consumers. While this may be
beneficial to consumers, it increases the complexity in the way your
Credit Union conducts business for you—our member/owners.
Some recent examples of new legislation are:
• Credit Card Act: changes to due dates,
payment periods, and disclosures.
• Courtesy Pay: changes to access.
• Financial Institutions Reform Act: changes to
income received on debit cards from merchants.
These changes, plus many more, mean Duke Credit Union will
incur substantial expenses and lose a portion of its income available
prior to the new rules and legislative changes.
As a cooperative, the Credit Union provides products and services
that enhance your life. Due to the regulatory changes explained
above, the Credit Union needs to reduce expenses in order to offset
additional expense and lost income. We are currently reviewing our
fee policy. Our intent is to avoid charging you additional fees when
you adopt a more efficient use of your account. This will allow the
Credit Union to reduce expenses. Let’s work together cooperatively
to make the best use of our resources.
While your Credit Union will need to make some adjustments, don’t
forget that we have a different philosophical approach than a forprofit bank. Bank income provides profits for stockholder benefits.
Credit union income provides better service to you, our members.
Even during this time of bad economic news and troubled financial
institutions, we want you to know that you can count on the Duke
Credit Union. Your Board and Management are committed to giving
you a safe and sound Credit Union.
Thank you for your membership and ownership of the Duke Credit
Union.
Sincerely,
G. Lee Fogle
G. Lee Fogle
Chief Executive Officer
www.dukefcu.org
Do You Know where to find
Duke Credit Union ATMs?
ATM locations
• Perkins Library (near circulation desk)
• American Tobacco (Crowe Building,
near Saladelia Café)
• Duke Clinic (beside food court)
• Duke Hospital (PRT level)
• Durham Regional Hospital (visitor parking lot)
• Duke Raleigh Hospital (cafeteria)
• Morreene Road (drive-up)
• Duke Credit Union (inside – Erwin Square)
• Duke Credit Union (drive-up – Erwin Square)
In addition to our nine convenient ATM
locations, you also have access to all CASH
Points ATMs and Coastal Federal Credit Union
ATMs without a fee. Now that’s convenience!
Perk ins Library
ATTENTION MEMBERS
Bring in a receipt
from our Perkins
Library ATM or
American Tobacco
ATM and receive
a free Duke Credit
Union double wall
tumbler. Offer
expires October 31.
Limited quantity available.
One per member.
g
American Tobacco-Crowe Buildin
Skip-A-Payment
• Forgo loan payment in November
• Use extra cash for the holidays
• Complete skip-a-payment form by November 1
• www.dukefcu.org, click Resources, Forms, Skip-A-Pay
• $35 processing fee automatically deducted from your savings or checking account