EZ Loans - Sunrise Family Credit Union

JULY • AUGUST • SEPTEMBER 2012
HELPING YOU ACHIEVE YOUR FINANCIAL GOALS!
Back by Popular Demand...
EZ Loans
For a limited time, the $1,000 EZ Loan is back by popular demand and
available to our members! We will not perform a Credit Bureau check.
It’s quick, easy way to obtain a loan for any reason. Go on vacation,
purchase school clothes or pay bills. The EZ Loan is available to any
member in good standing, who has been continuously employed for
the past 6 months by the same employer and has direct deposit into
their SFCU account. The EZ Loan is a 12 month term with an interest
rate of 18% APR* covered with life & disability insurance. Special Loan
for returning EZ Loan Borrowers, you may qualify for a loan up to
$1500.00.
*Annual percentage rate. Some restrictions apply. Contact the loan department for details.
How About a
Free iPad®?
Debt Consolidation Loan Special August 15, 16, 17
We’ll give you a free iPad® when you refinance your existing
loan of $7,500.00 or more from any other financial institution!
With our low rates, you may be able to lower your monthly
payments. Visit www.sunrisefamilycu.org and click on the
loan application button. On approval of credit and funding
of your loan, SFCU will pay off your existing loan debt and
we’ll give you a free iPad®! You must call for an appointment
by August 1st, 2012 with any of our loan officers at any of our
three locations Bay City, Essexville, or Standish.
*All SFCU credit policies and underwriting guideline apply. Minimum refinance balance to qualify for this offer is minimum
$7,500. Existing loan balance can not be divided to qualify as multiple loans. This offer is only good on our debt consolidation
loan product. Rate as low as 8.50% APR. Loan application must be submitted by August 1st, 2012 to be eligible. This
promotional offer is for a 16 GB iPad® 2 valued at $399.00. SFCU reserves the right to substitute an item of equal value.
iPad® is a registered trade mark of Apple, Inc. Offer (1) per member. See loan representative for details.
w w w.su n ri sefamil ycu. o rg
Home Loans Made
Simple from SFCU
At Sunrise Family Credit Union, we make getting a home
loan simple. Whether you are interested in refinancing to
save money or purchasing a new home, our mortgages
are tailored to fit your needs, with our competitive rates
and flexible terms, you’ll see why a mortgage from us
makes sense. SFCU Mortgage Feature:
• Competitive rates • Fixed, balloon & adjustable options
• Terms up to 30 years
For more information, talk to a SFCU mortgage specialist:
• Bay City:
989.684.1730 or 800.589.1079
• Essexville:
989.892.1833
• Standish:
989.846.9750 or 888.529.1160
Directors:
Member Appreciation Days
Aug. 15 Standish 11-2 • Aug. 16 Essexville 11-2 • Aug. 17 Main 11-2
Hey we’re celebrating! We’re inviting you to join us in the fun! We’ll be serving up hot dogs
and refreshments and handing out giveaways. Stop in at your convenience. Also to show our
appreciation we will have a 3 day loan sale and an on-site shred truck to shred your personal
documents thieves may use to commit fraud such as old bills, statements, and pre-approved
offers of credit. There are no limits. It is free but we are asking for school supplies donations to fill
our supplies tub.
Play Instead of Pay
Sign up for summer-skip-a-pay and have cash to enjoy your summer. SFCU offers members a
chance to skip two loan payments per loan per year. So, treat yourself to something you deserve!
Just complete an application form and return it to any of our three locations.
*Must meet the requirements and a fee of $25. Excludes mortgages, home equity loan, credit cards, and line of credit. some
restrictions apply.
Great Road Trips start with Great Auto Loans
Rates as low as 2.99% APR* for up to 61 mos. We have a nice variety of terms and
low monthly payment options that should put a smile on your face. Stop in and meet our friendly
loan department in our Bay City, Essexville or Standish locations or apply online at
www.sunrisefamilycu.org.
*Annual percentage rate. Some restrictions apply. Contact the loan office for details.
SFCU Sponsors the Bay Arts Council
“Wednesdays in the Park” Concert Series
Join us in having a good time while “grooving” to the music and enjoying beautiful Downtown
Bay City! Concerts are located in Wenonah Park Downtown Bay City. Admission is free!
Congratulations to Our Scholarship Winners
Sunrise Family Credit Union awarded three scholarships to seniors at area high schools.
Seth Schlatter of Pinconning High School, Ashley Navarre of Arenac Eastern High School, and
Samantha Smith of Bay City Western High School.
David Wolthuis, Chair
Judy Fletcher, Vice Chair
Patricia Wilson, Secretary
Ken Fowler, Treasurer
Larry Nichols, Director
Richard Niemann, Director
David Hunt, Director
Supervisory Committee:
C.J. Montana, Chair
Bill Beauvais
Karen Gutierrez, Secretary
Credit Committee:
Michelle Hine, Chair
Barbara Weiler
Judy Zielinski
Lynn Christensen, Alternate
Dividends for Last Period:
Dividends declared by the Board of Directors
are based on credit union earnings and
therefore cannot be stated in advance. The
following dividends were paid for the period
ending June 30, 2012.
Shares . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.10% APY*
IRA Shares . . . . . . . . . . . . . . . . . . . . . . call for rates
Certificate of Deposit, IRA CDs, and Insured
Money Market Account (IMMA) . . call for rates
Home Equity Line of Credit . . . . . . 6.00% APR**
*Annual Percentage Yield.
**Annual Percentage Rate.
Variable/floats with prime.
Floor of 6.00% APR.
Main Office: 404 S. Euclid Ave., Bay City, MI 48706
989.684.1730 or 800.589.1079, Fax: 989.686.2552
Essexville Branch: Standish Branch: Hours: Seth Schlatter
Ashley Navarre
Samantha Smith
Military Support Boxes
Each SFCU branch office was able to collect enough non-perishable foods and toiletries
donations to pack 5 large boxes with supplies and send to overseas troups. We included a letter,
taped, addressed and shipped them from the Bay County Armory. Thanks to all who donated!
SFCU and Relay for Life
SFCU is joining the fight against Cancer with The American Cancer Society Relay
for Life. Our Team the “Sunrise Savers” is committed to raising money. Find out
the many ways that your donation can make the biggest impact on your friends,
family and in your community. SFCU will have fundraising items available at all
three of our locations. For more information visit www.relayforlife.org.
Friendly Reminders
•
•
•
Lost or Stolen Cards: If your cards are lost or stolen let SFCU help you get back on track. Lost or Stolen ATM/DEBIT CARD call SFCU first 1.800.589.1079. After hours or weekends please call 888.247.2510. Internationally please call 909.941.1398 Credit Cards please call 1.800.449.7728.
When traveling and your using your Debit card or Visa/Master Card, please notify us first where you are going and when you will be back. This helps protect your cards and ensure they continue to work properly while traveling.
Federal Regulations D places a monthly limit on the number of transfers you make from your savings account or Money Market account. Without your physical presence being required. You are allowed 6 such transfers per month. Per account. Please contact us for more information. 1.800.529.1079.
Feel Like
Family
at SFCU!
190 N. Powell Rd., Essexville, MI 48732
989.892.1833, Fax: 989.892.7638
3887 S. Huron Rd., Standish, MI 48658
989.846.9750 or 888.529.1160, Fax: 989.846.9754
9:00 a.m. to 5:00 p.m. Monday-Wednesday*
9:00 a.m. to 5:30 p.m. Thursday-Friday
9:00 a.m. to 1:00 p.m. Saturday
*Main Office open at 9:30 a.m., Essexville open at 9:45
a.m., Standish Branch open at 10:00 a.m. on the last
Wednesday of every month due to staff training.
PLEASE NOTE: July’s staff training is Thursday, July 26.
Mission Statement
Sunrise Family Credit Union is a member-owned and
member-controlled financial cooperative dedicated to
providing sound, comprehensive financial services to its
family of members.
DISCOUNT CEDAR POINT
TICKETS...WE GOT ‘EM!
SFCU members can receive special
credit union discounts on Cedar
Point tickets this summer. Avoid long lines by purchasing your
tickets at SFCU. Tickets include Any Day, Junior/Senior, Ride
and Slide and Soak City. All Tickets are available and can be
purchased at Bay City, Essexville, and Standish offices.
Holiday Closings
Labor Day - September 1 and September 3rd, 2012