Your Credit Score is a Powerful Number! reminder
Transcription
Your Credit Score is a Powerful Number! reminder
JUNE 2008 reminder... Newsline We will be CLOSED on Friday, July 4th in observance of Independence Day. Community Events June 11 – Pacesetters Monthly Fun Run/Walk – Heckrodt Wetland Reserve, Menasha, 6:00 pm, 1-6 miles. Everyone is welcome. Run/Walk followed by ice cream & refreshments. For more info, e-mail [email protected]. June 14 & 15 – Neenah StreetBall Challenge 2008 Neenah, for more info, visit www.focol.org/streetball. June 20 & 21 – Darboy Chicken Fest – For more info, visit www.darboyfest.org. June 20 & 22 – Strawberry Fest – North Main Street and Riverview Park, Waupaca. For more info, visit www.darboyfest.org. June 25 – 29 – Country USA, Oshkosh – For more info, visit www.countryusaoshkosh.com. September 20 & 21 – Community First Fox Cities Marathon Festival of Races – Online registration is open! For volunteer info or to sign up, visit www.foxcitiesmarathon.org. Understanding Internet Banking Seminars Learn to use PC Home Banking & BillPayer Oneida St., Appleton Wed. June 11, 2:00-4:00 pm Wed. June 25, 5:15-7:15 pm Wed. July 9, 5:15-7:15 pm Wed. July 16, 2:00-4:00 pm Oshkosh Manitowoc Wed. June 18, 5:15-7:15 pm Wed. July 23, 5:15-7:15 pm Mon. June 23, 5:15-7:15 pm Sat. July 26, 9:00-11:00 am New London & Waupaca Please call to set up a time that is convenient for you. Seminars are FREE to all members, but pre-registration is required. Sign up online at www.communityfirstcu.com, call (920) 830-7200 or 1-866-273-2328, or stop by any branch. CFCU Phone Survey Reminder We have commissioned a telephone survey to reveal how strongly you feel about referring your family, friends and colleagues to use Community First services. In July you may receive a phone call on behalf of Community First. No account or personal information will be discussed. We thank you for participating in this survey to help us serve you better. Don’t wait…this offer is for a limited time only! Apply online or stop in at any of our 14 convenient locations or call toll-free 1-866-273-2328 or (920) 830-7200 for more details. *Annual Percentage Rate (APR) as of 05/19/08 and subject to change. Your rate is based on your credit score and account relationship. $10,000 new money required. All closing costs to be paid by borrower. Checking with direct deposit required. Rates available up to 100% loan-to-value (LTV) on first mortgages and up to 80% LTV on second mortgages. Construction loans do not apply. Private mortgage insurance is required in excess of 80% LTV. Single-family, owneroccupied homes only. All purchases must close on or before July 31, 2008. **Actual closing costs will vary depending upon the LTV. Payment example: The monthly payment on a $150,000 loan amortized over 30 years, assuming 80% LTV and at a rate of 4.99% APR would give you 119 payments of $804.78 and a final payment of $122,769.81. Your Credit Score is a Powerful Number! Set Money Aside for the Perfect Home It is a good idea to have additional funds available to pay for a downpayment, closing costs or to have a financial cushion. Saving your extra money and government tax rebate check in a Community First account will help you to offset home expenses. For more ways to save, contact us today. Your credit score can help you get the best rate on a loan, rent an apartment... even find a new job. When applying for a loan, lenders use your credit score to assess the risk of lending you money. You can improve and protect your credit score by monitoring it for accuracy and to identify potential trouble-spots. Take these steps to maintain and improve your credit score. • Pay your bills on time, every time • Pay down your debt • Avoid multiple unsecured loans • Keep low credit card balances • Only apply for the credit you need • Pay collection accounts For more credit score information, visit www.communityfirstcu.com, click on Balance: Financial Fitness Program and then Credit Report Review or call 1-888-456-2227. FREE money management information and confidential financial counseling for members of Community First. Kids Win by Learning the Value of Savings Do More This Summer With CFCU Checking! Community First Checking makes your summer easier with convenient services to save you time and money. Our checking options give you access to a variety of tools to manage your money while you're on the go. Use Your CFCU Check Card For Everything You Do This Summer! • FREE VISA Check Card...Pay fast and be on your way! All purchases and ATM transactions made with your VISA Check Card are FEE FREE! Use your card as often as you like with no charge from us. • E-Services...Spend more time outside and on the go! PC BillPayer makes it easy for you to ensure your bills are paid on time...no matter where your summer takes you. Plus, PC Home Banking allows you to track your account history, check your balance, transfer funds, view e-statements, and make payments. • Free 24-hour Tellerphone Access...Whether you're on the lake or in the mall, accessing your accounts is just a phone call away with our 24-hour, voice or touch-tone activated phone system. • Direct Deposit...Discover the ease and convenience of directly depositing your payroll, Social Security or other recurring checks directly into your checking account. You'll save time and may qualify for discounts on new loans. • Pay for your campsite • Put gas in your car • Buy barbeque supplies • Order tickets to a game or concert • Purchase your family amusement park passes • Buy bikes...go green! • Get ice cream for everyone! Open your CFCU checking this summer and DO MORE! We have four great checking accounts...one is right for you! Choose from Members Choice Checking, Direct Benefit Checking, Regular Checking and FREE Checking, all with convenient services to make your life easier. For more details, visit any of our 14 locations or call toll-free 1-866-273-2328. A Message from the MEMBERS Financial Services Program† Changing Jobs? Retiring? Don't Leave your Retirement Plan Dollars Up in the Air If you're changing jobs or retiring, you're in the midst of an Bill Bargholtz, Jason Buchinger & Jeff Garrett enormous change. You should seriously be considering what to Representatives Registered through CUNA Brokerage Services do with your money in your employer's pension plan, 401(k), 403(b)/TSA or 457 plan. After all, it's probably one of your biggest assets. The wrong move could cost you thousands and greatly affect the quality of your retirement years. Generally, there are four options for your retirement plan: 1. Leave it in your former employer plan 3. Roll it over to a traditional IRA 2. Transfer it to your new employer plan 4. Cash out and pay taxes and possibly penalties. Each decision has its pros and cons. Need help deciding what option is best for you? Contact Bill, Jason or Jeff, the MEMBERS Financial Services Representatives serving the members of Community First Credit Union at (920) 830-7200 or 1-866-273-2328 for a no-cost, no-obligation Retirement Assets Consultation. The quality of your retirement years depends on it. † Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.B2MM-0405-2BA8 Newsline IS PUBLISHED MONTHLY FOR MEMBERS OF (920) 830-7200 APPLETON 2626 S. Oneida St. 509 N. Richmond St. 2701 N. Ballard Rd. 455 S. Nicolet Rd. DARBOY W6089 Cty. Rd. KK GREENVILLE N1230 Cty. Rd. CB COMMUNITY FIRST CREDIT UNION NEENAH 125 E. Forest Ave. 2300 Industrial Dr. (920) 966-2424 OSHKOSH 2424 Westowne Ave. (920) 684-7148 MANITOWOC 1100 S. 30th St. PC HOME BANKING (715) 258-7462 WAUPACA 1006 Royalton St. (920) 982-6048 NEW LONDON 603 W. Wolf River Ave. (920) 525-1164 NICHOLS W5644 Cty. Rd. F MEMBERS FINANCIAL SERVICES® Investment Consultations (920) 830-7200 1-866-273-2328 TELLERPHONE 24-Hr. Audio Account Access (920) 830-7325 1-800-924-1550 Congratulations to all of our winners! $50 Savings Bond Winners $100 Grand Prize Winner Justin Pekel Caroline Vanderloop Shelbie Mattingly Abby Schreiber Jadyn Stoffel Jenaica Weinzatl Alex Strohmeyer Cheyenne Stockinger Mercedes Cantrel Robin Peeters Brianne Krake Conner Klevesahl Cameron Gordon Katie Sprister Julie Lee Mark Howe Zach Combes Madyson Olson Madyson Olson, the grand prize winner of Youth Week's $100, commented, “I'm saving my money to buy toys!” Use PC BillPayer and Win! Congratulations Kevin and Nancy Derkowski, our latest PC BillPayer user winners. They won a $100 Marriott gift card for paying bills online through our FREE PC BillPayer. “It's convenient to pay bills with PC BillPayer and it saves us money,” commented Kevin. You can save money too! With increased postage and rising gas prices, this is the most cost-efficient way to pay your bills. The service is fast, secure and your payments are guaranteed. Located at Community First Credit Union† COMMUNITY FIRST INSURANCE CENTER (920) 738-5474 1-800-779-1321 Our youngest members learned about good savings habits during National Credit Union Youth Week, April 20-26, 2008. They colored savings related pictures, received MoonJar banks teaching them the importance of saving, sharing and spending and they entered a drawing for a chance to win a $50 Savings Bond or $100 Cash! PHONE CENTER Mon.–Fri., 7am-6pm; Sat., 7am-1pm DRIVE-UP Mon.–Fri., 7am-6pm; Sat., 8am-noon LOBBY Mon.–Wed., 8:30am-5pm; Thurs. & Fri., 8:30am-6pm; Sat., 8am-noon Fox Valley Technical College Appleton Campus, Entrance 10 • PC BILLPAYER • PC MORTGAGE • e-STATEMENTS ENROLL & WIN! Enroll in PC BillPayer today. It only takes a few minutes and best of all, you'll be eligible to win $5,000! The more bills you pay the more chances you have to win. FLY AWAY WITH $5,000! Get all the details about how YOU could win at www.communityfirstcu.com/flyaway08.html. To sign up for PC BillPayer, visit any Community First branch. www.communityfirstcu.com