Introducing our ECU 100 Mortgage Loan Program

Newsletter for Members • March 31, 2015
News Briefs
Free Seminars
Construction Seminar
April 9, 6:00 p.m.
Introducing our ECU 100
Mortgage Loan Program
Do you dream of owning your own home, but you’re overwhelmed by
the amount required for your down payment? ECU is here to help with
our new ECU 100 Mortgage.
This new program helps eliminate some of the stresses associated with
a traditional mortgage loan by offering up to 100% financing, which
means no down payment. And we’ll be right beside you every step of
the way, from application to closing. Your loan is processed, approved,
and serviced at ECU.
Home Selling Seminar
April 28, 6:00 p.m.
Up to 100% financing available – even if you’re
not a First Time Home Buyer (purchases only)
Home Buying Seminar
No Private Mortgage Insurance (PMI) required
May 12, 6:00 p.m.
All seminars will be held at the North
Tennessee Association of Realtors located
at 105 Tri City Business Park, Gray, TN.
Door prizes will be awarded.
Seating is limited.
Register at www.ecu.org today!
Fixed and adjustable rate options available
Visit www.ecu.org to apply today!
Allpoint® ATM Network
In addition to our ECU owned/operated
ATMs, ECU provides FREE access
to over 55,000 surcharge-free ATMs
nationwide via the Allpoint network when
you use your ECU Visa® check card. For
a complete list of Allpoint surchargefree ATMs, visit www.ecu.org and use
our convenient locator to find the ATM
locations most convenient
for you!
Member Service Tip: When naming one or
more beneficiaries on any deposit account,
please provide the name, date of birth, and social
security number for each beneficiary listed.
Introducing the NEW, EASY Online
Solution to Switch Your Checking Account
Now you can switch direct deposits and automatic payments instantly to your ECU Beyond Free
Checking® account from anywhere! There’s no paperwork and no phone calls. And, for a limited time
offer, we’ll pay you up to $250 to switch! Visit www.ecu.org/newswitch for details.
You just click to switch. Now that’s a difference you don’t find just anywhere!
Rated one of the best checking accounts in the nation by
Visit a branch to open your
Beyond Free Checking account today
and make the switch!
Federally insured by NCUA
You’re an ECU member! Don’t keep it a secret.
Tell your friends and family about ECU’s Extraordinary Difference!
ECU Auto Loans
Great low rates
90-day payment deferral
125% financing available
Pre-qualification available
24/7 application via web or phone
Electronic signature technology via any
smart mobile device – sign your loan
documents from your home or office
On-site application at select dealers via
our Dealer Direct program
Visa®
Promotion
Winner
Visit www.ecu.org to apply today!
Important information:
Loan, payment deferral and 125% financing
subject to approval.
Brian Reynolds (ECU Member)
Brian Reynolds of Kingsport, Tennessee won $1,000
during a random drawing for the winner of our Visa®
Balance Transfer Promotion. Everyone who made a
balance transfer or a purchase using their ECU Visa credit
card between October 1, 2014 and January 30, 2015 was
entered to win.
Congratulations, Brian!
ECU SHRED DAYS ARE BACK!
Shred Days are a great opportunity to free up space, eliminate theft and security risks, and get rid of old, outdated, and
useless files. ECU is happy to once again bring Shred Days back to several of our branches throughout 2015.
DATE
GENERAL LOCATION
BRANCH
Saturday, April 18
Johnson City, TN
State of Franklin (Market Place Blvd.– near Fuddruckers)
Saturday, May 2
Hawkins County, TN
Mt. Carmel
Saturday, May 30
Bristol, VA
Lee Highway (next to the Highlands Shopping Center off exit 7)
Saturday, September 12
Gray, TN
Gray
Saturday, September 26 Scott County, VA
Gate City
Saturday, October 10
Wilcox
Kingsport, TN
*Branches will not be open for regular business during Saturday Shred Day events.
Shred-it (certified by the National Association for Information Destruction) will provide document shredding on-site at
each location from 8:00 a.m. – 12:00 p.m., or until the trucks reach capacity. Shredded material will be bleached and recycled
for use in other paper products.
When gathering items to bring to Shred Day, please keep the following in mind:
Shred-it asks that you bring paper items only. They are not able to accept video and regular cassettes, computer discs,
CDs, and medicine bottles.
Remove documents from three-ring binders prior to the event as they cannot be shredded; however, staples, rubber
bands, and paper clips are acceptable.
Documents should be in paper bags or boxes that a person of average strength can lift or carry. Plastic bags and
cardboard cannot be shredded, as they can cause the shredding equipment to malfunction. Only paper bags
can be shredded.
We look forward to seeing you at one of our 2015 Shred Days!
Prepare for Your Happy Future Today!
Preparing for college is a busy and exciting time, but don’t forget to arrange financing
for your education!
Avoid the stress of the last minute rush – apply for your ECU student loan
as soon as you can provide official documentation of tuition expense from your
college or university of choice.
You don’t want to miss out on these great benefits:
Great, fixed rates
No fees
No annual renewal
Quick approval
Consolidate existing loans
Interest-only payments until graduation
No lengthy forms
Expenses covered include: tuition, books, room and board,
fees, and other required expenses.
Your happy future is also ours – let us help you
reach your goals! Apply today!
Credit Card Fraud Reminder
ECU or its representatives will never call, text, or
email you to request your full card number or the
security code from the reverse side of your card we already have it. Representatives may confirm
information using the last four digits of the card.
If you are concerned about the
validity of any request, contact
ECU at 423.229.8200
or 800.999.2328.
Protect Yourself Online
ECU strives to be “always there, all the time” for you by
offering numerous safe and convenient ways to access
your accounts via your computer and mobile devices.
ECU and our business partners take every step possible
to ensure your safety and security, but it’s also vital that
you take necessary precautions to protect your home
computer and online privacy.
Here are some tips to keep you safe while using
ECU Online and surfing the Internet:
Review your account statements for accuracy
each month
Keep your username and password confidential
Do not leave your computer unattended during an
ECU Online session
Be sure to end your ECU Online session by clicking
on ‘Logout’
Install a firewall
Be sure operating system and browser updates
are installed
Use anti-virus software
Use anti-spyware software
Do not open suspicious
email or download software
from unknown sources
Use strong usernames and passwords for
Internet accounts
Do not send personal information unless it is
encrypted on a secure website
Secure your wireless network
For more information on these topics, visit ECU’s
Security Center at www.ecu.org. ECU’s security center
contains useful information and various tips and
strategies to keep you safe online.
The complexity of managing finances often leaves many people
feeling unprepared to achieve a successful financial future. If you are
feeling less than confident about your future, having a well-prepared
financial plan can help put your mind at ease.
Partnering with a financial advisor, who has the experience to help
you create a plan that strategically addresses your unique goals and
needs, can help you manage your income and expenses effectively
throughout your lifetime.
Please call today for a free consultation with an
ECU Asset Management Representative.
Wilcox Branch
Kingsport 423.578.7369
Market Corner Branch Johnson City 423.232.2073
Securities and advisory services offered through LPL Financial, a registered investment
advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its
licensed affiliates. ECU Asset Management is a brand name under which LPL Financial
Representatives offer securities and insurance products through LPL Financial to
Eastman Credit Union members. Eastman Credit Union and ECU Asset Management
are not registered brokers/dealers and are not affiliates of LPL Financial.
Not NCUA Insured
Not Credit Union Guaranteed
May Lose Value
Spring is here! Are your recreational vehicles properly insured?
Stop by and let ETW review your current policy on your boats, jet
skis, ATVs, and other recreational vehicles. They may be able to find
ways to save you money while increasing your coverage!
For ECU members’ convenience, ETW agents are available
on the second floor of ECU’s Wilcox Drive location. For a
complimentary, no-obligation insurance quote or consultation
with a licensed ETW agent, call 423.578.7373 or 800.999.2328,
ext.7373.
Edwards, Tipton, Witt Agency (ETW) is an independent agency offering automobile
and homeowners insurance through a marketing agreement with ECU Financial
Services, Inc. ETW agents are licensed in Tennessee, Virginia and North Carolina.
Insurance products are not bank deposits, are not insured by NCUA or any government
and are not obligations of, or guaranteed by, any financial institution. Acceptance
of insurance products through Edwards, Tipton, Witt will not affect or influence a
member’s loan decision, rate or terms with Eastman Credit Union.
For more details about ECU’s products and services,
visit www.ecu.org, or call 423.229.8200 or 800.999.2328.
The Eastman Credit Union logo, ECU Online, ECU, Equity Express,
It’s Your Money and Lifeline are registered service marks of Eastman
Credit Union. Information in this newsletter is accurate as of date of
printing and is subject to change at any time without notice.