Sweeten - Summit Hampton Roads Federal Credit Union

Take Your Summer Off!
MAIN OFFICE
DePaul Medical Center
150 Kingsley Lane
Norfolk, VA 23505
(757) 889-5330
FAX: (757) 889-5319
[Night Deposit, ATM]
BRANCH OFFICE
Maryview Medical Center
3636 High Street
Portsmouth, VA 23707
(757) 398-2384
FAX: (757) 398-2684
[Night Deposit, ATM]
HOURS
Monday, Tuesday, Friday
7:30 a.m. - 3:30 p.m.
Wednesday
9:00 a.m. - 12:00 p.m.
Thursdays
7:30 a.m. - 4:00 p.m.
Saturdays
9:00 a.m. - 12:00 p.m. (Depaul Only)
EMAIL:
[email protected]
WEBSITE:
www.shrfcu.com
“ART”
With our summer Skip-A-Pay program, you can experience summer
the way it was meant to be! Simply choose to skip your SHRFCU loan
payment for the month of July or August and enjoy the extra cash for a
weekend getaway, to fix up your patio, take a road trip, or simply relax
and enjoy the summer months without any financial worries.
To take advantage of Skip-A-Pay, simply complete the form below and
return it to the Credit Union before your payment to be skipped is due.
Some restrictions apply. Please contact a member service representative
for complete details.
I would like to skip my loan payment!
q Please deduct the $25 from my q Savings
Account number ___________________________________
q I have enclosed a check for $25 for each postponed loan.
Account Number
Loan Type
Month to Skip
_______________________ ______________ q July q August
_______________________ ______________ q July q August
_______________________ ______________ q July q August
Name (printed)Date
Signature
S AV I N G S A C C O U N T F E E S
Savings I & II
Account Reopen........................... $10.00
(If account reopened within 6 months of closing)
Early Withdrawal:
Holiday Club..... 10% of amount withdrawn
Vacation Club.... 10% of amount withdrawn
Excess Withdrawal......................... $2.00
(Per Withdrawal if more than 3
withdrawals in 1 month)
IRA:
Full or Partial Withdrawal
(Before Age 59 ½)..........$25.00/Transaction
Rollover or Transfer
(Before Age 59 ½)..........$25.00/Transaction
INSURANCE
Whether you have plans to travel the country or the
world, you and your family are automatically covered
by our no-cost Travel Accident Insurance when you use
your SHRFCU VISA Credit Card to purchase your travel
tickets. Simply use your credit union card to purchase tickets
on any common carrier – air, land or sea – and
you’re covered in the event of an accident or loss.
OUTLETS / CREDIT UNION
SERVICE CENTERS
No registration is required – you’re
automatically covered just by using
your SHRFCU VISA Credit Card.
Visit co-opcreditunions.org/find-credit-union for
your nearest service center’s hours of operation.
SHARED BRANCHING CREDIT UNIONS
ABNB FCU
9155 Seabee Rd
Norfolk, VA 23505
(757) 523-5300
www.abnbfcu.org
BAYPORT CU
2445 Taylor Rd
Chesapeake, VA 23321
(757) 928-8850
www.bayportcu.org
NORFOLK MUNICIPAL FCU
5957 E Virginia Beach Blvd
Norfolk, VA 23502
(757) 822-6166
www.norfolkcu.org
NORTHERN STAR CU
5885 Harbour View Dr
Suffolk, VA 23435
(757) 487-3474
www.nstarcu.org
NORTHERN STAR CU
5624 Portsmouth Blvd
Portsmouth, VA 23701
(757) 487-3474
www.nstarcu.org
BEACH MUNICIPAL FCU
4164 Virginia Beach Blvd
Virginia Beach, VA 23452
(757) 333-7787
www.beachmunicipal.org
Federally Insured
by NCUA
NEW
SUMMER 2016
CHECKING/MONEY
MARKET ACCOUNT FEES
Account Reconciliation........ $20.00/Hour
Check Printing.................... Prices may vary
depending upon style
Copy of Check......................$5.00/Copy
Money Market Maintenance
Below $1,000...................$3.00/Month
NSF...................................... $30.00/Item
Overdraft.............................. $30.00/Item
Stop Payment....................... $25.00/Item
OTHER SERVICE FEES
Account Research................ $20.00/Hour
Certificate of Satisfaction (Mortgage)... Cost
Collection......................................... Cost
Credit Union Check............ $3.00/Check
(If check is issued to a third party)
Travel Accident
70586-NEWS-0616
FEE SCHEDULE
(applicable to all accounts)
(account access 24 hours a day)
Dial: (757) 889-5757
CU 24/7 (Home Banking)
Log onto: www.shrfcu.com
14527 Jefferson Davis Hwy. • Woodbridge
10450 Midlothian Turnpike • Richmond
5001 Nine Mile Rd. • Richmond
671 Southpark Blvd. • Richmond
Military Crossing Shopping Center
5957 E. Virginia Beach Blvd.,
#14 • Norfolk
q Checking
Summit Hampton Roads FCU
Credit Union Check
Stop Pay............................ $40.00/Stop
Deposited Item Return......... $30.00/Item
Gift Cards......................... $2.95/Member
$3.95/Non-Member
Inactive Account.................$5.00/Month
(After 1 year)
Lien or Garnishment............ $25.00/Item
Loan Processing............ $10.00/Applicant
Money Order..........................$1.50/Each
Money Order – Seniors..........$1.00/Each
Online Transaction
Adjustment............... $5.00/Transaction
Paper Statement Fee.......$2.00/Statement
Plastic Card Reorder.............$10.00/Card
Plastic PIN # Reorder........ $2.00/Request
Return Mail............................ $2.00/Item
Skip Payment....................... $25.00/Skip
Statement Copy..............$5.00/Statement
Title Processing Fee...................... $15.00
Verification of Account...... $5.00/Request
Wire Transfer:
Domestic......................$10.00/Transfer
Reloadable VISA Cards:
Per load....................................... $2.00
Personalized, Re-loadable.......... $10.00
Re-loadable, Prepaid...... $4.95/Member
$5.95 Non-Member
Wire Reject..................................... $5.00
I N
T H I S
I S S U E :
Sweeten Your Summer
Drive Away with No Payments
for 60 Days!
Holiday Closings
Make Going Away
to School Easy
Make the Most of
Back-to-School Shopping
Annual Meeting Results
Summer Travel Notice
Plan Ahead with a Holiday
Club Account
Gift Giving Simplified
Spot a Scam
Take Your Summer Off!
Travel Accident Insurance
ELECTRONIC FUNDS
TRANSFER FEES
ACH/EFT Inquiry........................... $5.00
ACH Incoming Transfer.................. $5.00
ACH Recurring Incoming
Transfer...................... $15.00/Annually
ACH, ATM or VISA Check Card
NSF................................... $30.00/Item
Nonproprietary ATM Withdrawal/
Transfer/Balance Inquiry.............. $2.00
The rates and fees appearing with this Schedule are accurate
and effective for accounts as of the last dividend declaration
date indicated on this Truth-in-Savings Disclosure. If you have
any questions or require current rate and fee information on
your accounts, please call the Credit Union.
Holiday Closings
INDEPENDENCE DAY
Monday, July 4
LABOR DAY
Monday, September 5
COLUMBUS DAY
Monday, October 10
TT
SLE
ER
Sweeten
Your Summer
with Our Summer Loan Special
Don’t settle for just another summer at home. Get in on our
Summer Loan Special and get all the cash you need to take the
vacation of your dreams! Or, use the cash for all your back-toschool needs, new patio furniture, or whatever else you like.
July – August
AS LOW AS
6.00%APR*
$1,000 minimum
Apply today or in person at your local SHRFCU branch office.
*All other loan criteria will apply.
Drive Away
with No Payments for 60 Days!
With this special auto loan offer, you can go ahead and
leave your worries in the wind and drive away with a
great low rate, plus no payments for 60 days!
JULY 15 – SEPTEMBER 15, 2016
AS LOW AS
1.99%APR*
NO PAYMENTS FOR 60 DAYS
Stop by the Credit Union
to apply today.
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your
rate will be based on your credit history and may be higher. Rates and terms
subject to change without notice.
© CUAdvantage.com • 877.799.0784
4
A
QUARTE RLY
PUBLI CATI ON
OF
S UMMIT
H A MPT O N
R O A D S
F CU
1
MAKE GOING AWAY
TO SCHOOL EASY
WITH AUTOMATIC SERVICES
FROM YOUR CREDIT UNION
With packing, planning and
other college preparations
underway, you’ve already got enough
on your mind. That’s why we’re pleased
to help make your transition to college
easier with our convenient services.
Online Banking
Automatic Transfers
Debit and Credit Cards
And More!
Just stop by the Credit Union
or visit www.shrfcu.com to learn
more about your options today.
o st o f
M a ke t h e M
l
o
o
h
c
S
o
t
k
c
Ba
Shopping
it Union
with Your Cred
Credit Ca rd A credit card
SHRFCU VIS
e
se to use your
, you choose th
When you choo
hool shopping
sc
ey,
o-t
on
ck
m
ba
to
ur
es
n it com
for all yo
he
w
nd
A
.
ey
you mon
card that saves
ve to save?
who doesn’t lo
a tu re s :
O u r V IS A f e
O W R ATE
L
T
A
E
R
G
A
E R IOD
P
E
C
A
R
G
2 5 - DA Y
F EE
NO A N N UA L
F EES
NO H ID D E N !
RE
A N D M Oun
ion VISA yet,
ve a credit
the Credit
If you don’t ha
day, or stop by
to
y
pl
ap
to
e
assist
visit us onlin
ll be happy to
Union and we’
you in person.
Annual Meeting
Results
The SHRFCU Annual
Meeting was a great
success!
It is our pleasure to introduce
you to the 2016 Board of
Directors:
Summer Travel Notice
If your travel plans take you out of the area, please
contact the Credit Union to let us know before
you go. We monitor unusual debit and credit card
spending patterns, so if we see unusual spending
out of your usual usage area and don't know you're
traveling, we may block your card to prevent potential
fraud. By informing us of your travel plans before you
go, we will be able to place a note on your account
and take the necessary steps to ensure your funds are
available as you travel.
BOARD OF
DIRECTORS
PLEASE NOTE: Your Summit Hampton Roads FCU VISA Debit Card can only be used in
the Continental USA. If you are planning an international vacation, we encourage you to take
your SHRFCU VISA Credit Card, which is accepted everywhere VISA is offered.
Donna Davis
Chairman
The daily cash limit on your SHRFCU Check Card is $300. In the event you need access to
more funds, please consider stocking up on checks for your SHRFCU checking account.
Marcia Walton
Vice Chair
Fran Vickers
Treasurer
Jeanne Hartman
Secretary
Jean Harrison-Diaz
Director
Eddie Davenport
Director
Anita Harris
Director
SUPERVISORY
COMMITTEE
Janice Savage
Chair
Sandra Harper
Member
Mary Dennard-Donovan
Member
Thank you
to everyone who joined us
for the Annual Meeting.
If you were unable to
attend this year, we hope
you will make plans to
join us next year!
Plan Ahead
with a Holiday
Club Account
The holiday season has
a way of sneaking up,
but with the help of a
Holiday Club Account
from Summit Hampton
Roads Federal Credit
Union, you can be sure
to have a plan in place before it gets
here. Simply open the account and make
deposits to it throughout the year. That
way, when the holidays roll around, you
can enter the season with plenty of cash in
your hand. Speak with a member service
representative to learn more today.
2
SIMPLIFIED
From “Happy Birthday”
and “Congratulations”
to “I love You” and
“Best of Luck,” nothing
says it better than a
VISA gift card from
Summit Hampton
Roads Federal Credit
Union. No matter what
occasions are on your
calendar this summer,
be sure to stop by the Credit Union to
stock up on the perfect gift for everyone
on your list.
Spot a Scam!
Phishing emails flow into your inbox year round, so before you start
clicking, become familiar with these common signs of a “fishy” email:
„„ The message demands you pay an overdue notice, tax payment, or other fee.
„„ The message contains poor spelling and/or grammar.
„„ The message asks for your personal and/or financial
information.
„„ The offer seems too good to be true.
„„ You didn’t initiate the action (i.e., you’ve “won a
prize” you didn’t enter to win).
„„ The message makes threats, such as closing your
financial account.
„„ The message appears to be from a government agency.
„„ Something just doesn’t look or feel right.
PA G E
Gift Giving,
R AT E S
C U R R E N T L O A N R AT E S
Personal.........................................6.00%
New/Used Vehicles............. 2.00 - 13.50%
New/Used Boat................... 5.25 - 15.00%
VISA Classic................................. 12.50%
VISA Platinum...................... 6.90 - 9.90%
Overdraft Protection................11.50 - 14.50%
Computer.......................... 5.25 - 12.00%
CURRENT DIVIDEND
R AT E S
As of March 31, 2016
**APY
Regular Share
Savings I*...................................0.10%
Savings II*.................................0.10%
Club Accounts*.............................0.20%
Checking Accounts....................... 0.00%
Money Market $1,000-$9,999.99......0.20%
$10,000 and up.............................0.30%
IRA Savings*................................0.20%
(Traditional & Roth)
*Minimum balance required to earn
dividends is $200.00
We offer IRA Share
Certificates, and ROTH IRAs
S AV I N G S A N D I R A
C E R T I F I C AT E S
**APY
6 Months-$1000 min................. 0.20%
12 Months-$1000 min................. 0.40%
24 Months-$1000 min................. 0.60%
36 Months-$1000 min................. 0.80%
60 Months-$1000 min................. 1.00%
J U M B O C E R T I F I C AT E S
**APY
13 Months...................................... 0.50%
23 Months...................................... 0.75%
33 Months...................................... 1.00%
$20,000 Minimum Deposit
There is no minimum balance
required to avoid service charges.
**APY = Annual Percentage Yield
Rates subject to change.
MAKE GOING AWAY
TO SCHOOL EASY
WITH AUTOMATIC SERVICES
FROM YOUR CREDIT UNION
With packing, planning and
other college preparations
underway, you’ve already got enough
on your mind. That’s why we’re pleased
to help make your transition to college
easier with our convenient services.
Online Banking
Automatic Transfers
Debit and Credit Cards
And More!
Just stop by the Credit Union
or visit www.shrfcu.com to learn
more about your options today.
o st o f
M a ke t h e M
l
o
o
h
c
S
o
t
k
c
Ba
Shopping
it Union
with Your Cred
Credit Ca rd A credit card
SHRFCU VIS
e
se to use your
, you choose th
When you choo
hool shopping
sc
ey,
o-t
on
ck
m
ba
to
ur
es
n it com
for all yo
he
w
nd
A
.
ey
you mon
card that saves
ve to save?
who doesn’t lo
a tu re s :
O u r V IS A f e
O W R ATE
L
T
A
E
R
G
A
E R IOD
P
E
C
A
R
G
2 5 - DA Y
F EE
NO A N N UA L
F EES
NO H ID D E N !
RE
A N D M Oun
ion VISA yet,
ve a credit
the Credit
If you don’t ha
day, or stop by
to
y
pl
ap
to
e
assist
visit us onlin
ll be happy to
Union and we’
you in person.
Annual Meeting
Results
The SHRFCU Annual
Meeting was a great
success!
It is our pleasure to introduce
you to the 2016 Board of
Directors:
Summer Travel Notice
If your travel plans take you out of the area, please
contact the Credit Union to let us know before
you go. We monitor unusual debit and credit card
spending patterns, so if we see unusual spending
out of your usual usage area and don't know you're
traveling, we may block your card to prevent potential
fraud. By informing us of your travel plans before you
go, we will be able to place a note on your account
and take the necessary steps to ensure your funds are
available as you travel.
BOARD OF
DIRECTORS
PLEASE NOTE: Your Summit Hampton Roads FCU VISA Debit Card can only be used in
the Continental USA. If you are planning an international vacation, we encourage you to take
your SHRFCU VISA Credit Card, which is accepted everywhere VISA is offered.
Donna Davis
Chairman
The daily cash limit on your SHRFCU Check Card is $300. In the event you need access to
more funds, please consider stocking up on checks for your SHRFCU checking account.
Marcia Walton
Vice Chair
Fran Vickers
Treasurer
Jeanne Hartman
Secretary
Jean Harrison-Diaz
Director
Eddie Davenport
Director
Anita Harris
Director
SUPERVISORY
COMMITTEE
Janice Savage
Chair
Sandra Harper
Member
Mary Dennard-Donovan
Member
Thank you
to everyone who joined us
for the Annual Meeting.
If you were unable to
attend this year, we hope
you will make plans to
join us next year!
Plan Ahead
with a Holiday
Club Account
The holiday season has
a way of sneaking up,
but with the help of a
Holiday Club Account
from Summit Hampton
Roads Federal Credit
Union, you can be sure
to have a plan in place before it gets
here. Simply open the account and make
deposits to it throughout the year. That
way, when the holidays roll around, you
can enter the season with plenty of cash in
your hand. Speak with a member service
representative to learn more today.
2
SIMPLIFIED
From “Happy Birthday”
and “Congratulations”
to “I love You” and
“Best of Luck,” nothing
says it better than a
VISA gift card from
Summit Hampton
Roads Federal Credit
Union. No matter what
occasions are on your
calendar this summer,
be sure to stop by the Credit Union to
stock up on the perfect gift for everyone
on your list.
Spot a Scam!
Phishing emails flow into your inbox year round, so before you start
clicking, become familiar with these common signs of a “fishy” email:
„„ The message demands you pay an overdue notice, tax payment, or other fee.
„„ The message contains poor spelling and/or grammar.
„„ The message asks for your personal and/or financial
information.
„„ The offer seems too good to be true.
„„ You didn’t initiate the action (i.e., you’ve “won a
prize” you didn’t enter to win).
„„ The message makes threats, such as closing your
financial account.
„„ The message appears to be from a government agency.
„„ Something just doesn’t look or feel right.
PA G E
Gift Giving,
R AT E S
C U R R E N T L O A N R AT E S
Personal.........................................6.00%
New/Used Vehicles............. 2.00 - 13.50%
New/Used Boat................... 5.25 - 15.00%
VISA Classic................................. 12.50%
VISA Platinum...................... 6.90 - 9.90%
Overdraft Protection................11.50 - 14.50%
Computer.......................... 5.25 - 12.00%
CURRENT DIVIDEND
R AT E S
As of March 31, 2016
**APY
Regular Share
Savings I*...................................0.10%
Savings II*.................................0.10%
Club Accounts*.............................0.20%
Checking Accounts....................... 0.00%
Money Market $1,000-$9,999.99......0.20%
$10,000 and up.............................0.30%
IRA Savings*................................0.20%
(Traditional & Roth)
*Minimum balance required to earn
dividends is $200.00
We offer IRA Share
Certificates, and ROTH IRAs
S AV I N G S A N D I R A
C E R T I F I C AT E S
**APY
6 Months-$1000 min................. 0.20%
12 Months-$1000 min................. 0.40%
24 Months-$1000 min................. 0.60%
36 Months-$1000 min................. 0.80%
60 Months-$1000 min................. 1.00%
J U M B O C E R T I F I C AT E S
**APY
13 Months...................................... 0.50%
23 Months...................................... 0.75%
33 Months...................................... 1.00%
$20,000 Minimum Deposit
There is no minimum balance
required to avoid service charges.
**APY = Annual Percentage Yield
Rates subject to change.
Take Your Summer Off!
MAIN OFFICE
DePaul Medical Center
150 Kingsley Lane
Norfolk, VA 23505
(757) 889-5330
FAX: (757) 889-5319
[Night Deposit, ATM]
BRANCH OFFICE
Maryview Medical Center
3636 High Street
Portsmouth, VA 23707
(757) 398-2384
FAX: (757) 398-2684
[Night Deposit, ATM]
HOURS
Monday, Tuesday, Friday
7:30 a.m. - 3:30 p.m.
Wednesday
9:00 a.m. - 12:00 p.m.
Thursdays
7:30 a.m. - 4:00 p.m.
Saturdays
9:00 a.m. - 12:00 p.m. (Depaul Only)
EMAIL:
[email protected]
WEBSITE:
www.shrfcu.com
“ART”
With our summer Skip-A-Pay program, you can experience summer
the way it was meant to be! Simply choose to skip your SHRFCU loan
payment for the month of July or August and enjoy the extra cash for a
weekend getaway, to fix up your patio, take a road trip, or simply relax
and enjoy the summer months without any financial worries.
To take advantage of Skip-A-Pay, simply complete the form below and
return it to the Credit Union before your payment to be skipped is due.
Some restrictions apply. Please contact a member service representative
for complete details.
I would like to skip my loan payment!
q Please deduct the $25 from my q Savings
Account number ___________________________________
q I have enclosed a check for $25 for each postponed loan.
Account Number
Loan Type
Month to Skip
_______________________ ______________ q July q August
_______________________ ______________ q July q August
_______________________ ______________ q July q August
Name (printed)Date
Signature
S AV I N G S A C C O U N T F E E S
Savings I & II
Account Reopen........................... $10.00
(If account reopened within 6 months of closing)
Early Withdrawal:
Holiday Club..... 10% of amount withdrawn
Vacation Club.... 10% of amount withdrawn
Excess Withdrawal......................... $2.00
(Per Withdrawal if more than 3
withdrawals in 1 month)
IRA:
Full or Partial Withdrawal
(Before Age 59 ½)..........$25.00/Transaction
Rollover or Transfer
(Before Age 59 ½)..........$25.00/Transaction
INSURANCE
Whether you have plans to travel the country or the
world, you and your family are automatically covered
by our no-cost Travel Accident Insurance when you use
your SHRFCU VISA Credit Card to purchase your travel
tickets. Simply use your credit union card to purchase tickets
on any common carrier – air, land or sea – and
you’re covered in the event of an accident or loss.
OUTLETS / CREDIT UNION
SERVICE CENTERS
No registration is required – you’re
automatically covered just by using
your SHRFCU VISA Credit Card.
Visit co-opcreditunions.org/find-credit-union for
your nearest service center’s hours of operation.
SHARED BRANCHING CREDIT UNIONS
ABNB FCU
9155 Seabee Rd
Norfolk, VA 23505
(757) 523-5300
www.abnbfcu.org
BAYPORT CU
2445 Taylor Rd
Chesapeake, VA 23321
(757) 928-8850
www.bayportcu.org
NORFOLK MUNICIPAL FCU
5957 E Virginia Beach Blvd
Norfolk, VA 23502
(757) 822-6166
www.norfolkcu.org
NORTHERN STAR CU
5885 Harbour View Dr
Suffolk, VA 23435
(757) 487-3474
www.nstarcu.org
NORTHERN STAR CU
5624 Portsmouth Blvd
Portsmouth, VA 23701
(757) 487-3474
www.nstarcu.org
BEACH MUNICIPAL FCU
4164 Virginia Beach Blvd
Virginia Beach, VA 23452
(757) 333-7787
www.beachmunicipal.org
Federally Insured
by NCUA
NEW
SUMMER 2016
CHECKING/MONEY
MARKET ACCOUNT FEES
Account Reconciliation........ $20.00/Hour
Check Printing.................... Prices may vary
depending upon style
Copy of Check......................$5.00/Copy
Money Market Maintenance
Below $1,000...................$3.00/Month
NSF...................................... $30.00/Item
Overdraft.............................. $30.00/Item
Stop Payment....................... $25.00/Item
OTHER SERVICE FEES
Account Research................ $20.00/Hour
Certificate of Satisfaction (Mortgage)... Cost
Collection......................................... Cost
Credit Union Check............ $3.00/Check
(If check is issued to a third party)
Travel Accident
70586-NEWS-0616
FEE SCHEDULE
(applicable to all accounts)
(account access 24 hours a day)
Dial: (757) 889-5757
CU 24/7 (Home Banking)
Log onto: www.shrfcu.com
14527 Jefferson Davis Hwy. • Woodbridge
10450 Midlothian Turnpike • Richmond
5001 Nine Mile Rd. • Richmond
671 Southpark Blvd. • Richmond
Military Crossing Shopping Center
5957 E. Virginia Beach Blvd.,
#14 • Norfolk
q Checking
Summit Hampton Roads FCU
Credit Union Check
Stop Pay............................ $40.00/Stop
Deposited Item Return......... $30.00/Item
Gift Cards......................... $2.95/Member
$3.95/Non-Member
Inactive Account.................$5.00/Month
(After 1 year)
Lien or Garnishment............ $25.00/Item
Loan Processing............ $10.00/Applicant
Money Order..........................$1.50/Each
Money Order – Seniors..........$1.00/Each
Online Transaction
Adjustment............... $5.00/Transaction
Paper Statement Fee.......$2.00/Statement
Plastic Card Reorder.............$10.00/Card
Plastic PIN # Reorder........ $2.00/Request
Return Mail............................ $2.00/Item
Skip Payment....................... $25.00/Skip
Statement Copy..............$5.00/Statement
Title Processing Fee...................... $15.00
Verification of Account...... $5.00/Request
Wire Transfer:
Domestic......................$10.00/Transfer
Reloadable VISA Cards:
Per load....................................... $2.00
Personalized, Re-loadable.......... $10.00
Re-loadable, Prepaid...... $4.95/Member
$5.95 Non-Member
Wire Reject..................................... $5.00
I N
T H I S
I S S U E :
Sweeten Your Summer
Drive Away with No Payments
for 60 Days!
Holiday Closings
Make Going Away
to School Easy
Make the Most of
Back-to-School Shopping
Annual Meeting Results
Summer Travel Notice
Plan Ahead with a Holiday
Club Account
Gift Giving Simplified
Spot a Scam
Take Your Summer Off!
Travel Accident Insurance
ELECTRONIC FUNDS
TRANSFER FEES
ACH/EFT Inquiry........................... $5.00
ACH Incoming Transfer.................. $5.00
ACH Recurring Incoming
Transfer...................... $15.00/Annually
ACH, ATM or VISA Check Card
NSF................................... $30.00/Item
Nonproprietary ATM Withdrawal/
Transfer/Balance Inquiry.............. $2.00
The rates and fees appearing with this Schedule are accurate
and effective for accounts as of the last dividend declaration
date indicated on this Truth-in-Savings Disclosure. If you have
any questions or require current rate and fee information on
your accounts, please call the Credit Union.
Holiday Closings
INDEPENDENCE DAY
Monday, July 4
LABOR DAY
Monday, September 5
COLUMBUS DAY
Monday, October 10
TT
SLE
ER
Sweeten
Your Summer
with Our Summer Loan Special
Don’t settle for just another summer at home. Get in on our
Summer Loan Special and get all the cash you need to take the
vacation of your dreams! Or, use the cash for all your back-toschool needs, new patio furniture, or whatever else you like.
July – August
AS LOW AS
6.00%APR*
$1,000 minimum
Apply today or in person at your local SHRFCU branch office.
*All other loan criteria will apply.
Drive Away
with No Payments for 60 Days!
With this special auto loan offer, you can go ahead and
leave your worries in the wind and drive away with a
great low rate, plus no payments for 60 days!
JULY 15 – SEPTEMBER 15, 2016
AS LOW AS
1.99%APR*
NO PAYMENTS FOR 60 DAYS
Stop by the Credit Union
to apply today.
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your
rate will be based on your credit history and may be higher. Rates and terms
subject to change without notice.
© CUAdvantage.com • 877.799.0784
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