NAECU Notebook - North Alabama Educators CU



NAECU Notebook - North Alabama Educators CU
NAECU Notebook
The Newsletter of the North Alabama Educators Credit Union • Spring 2013
Enter to Win $250 Gas Card
When you “fuel up” with one of our low auto loan rates!
Fixed Annual Percentage Rates (APR) As Low As:
1.99% APR
36 Months* 2.49% APR
60 Months** 2.99% APR
72 Months***
(Minimum $22,000 Financed)
Finance a new or used auto or refinance your automobile from another financial institution and
receive a low fixed rate! Drawing for a $250 Gas Card will be held in March, April, and May from
eligible loans from Spring Auto Loan Sale!
We have money to lend… contact us about membership eligibility!
*Payments as low as $29.00 per
$1,000 borrowed. **Payments as
low as $18.00 per $1,000 borrowed.
***Payments as low as $16.00 per
$1,000 borrowed. Internal refinancing
of any existing NAECU auto loan is
excluded from this offer, including
sales from one member to another.
Loan promotion ends May 31, 2013.
In This Issue:
National Credit Union Youth Week • Take Action to Avoid Dormant Account Fees! • Plan
a weekend of Family Fun! • Teacher & Staff Appreciation • Shred-It Day • School Supply
Loan • NAECU donates $5,300 to American Red Cross • Home Improvement
Loan • Skip-A-Payment • Easy Equity Mortgage Loan Special
North Alabama Educators Credit Union: The Educate
National Credit Union Youth Week
April 22-26
“SAVINGS SLEUTH − Solve the Mystery”
All members 18 and under are invited the entire
week of April 22-26 to take the challenge of
learning good savings skills! This year’s theme is
“Savings Sleuths – Solve the Mystery”. Everyone
at NAECU wants to help our youth “Solve the
Mystery” and get on the right tract to financial
success. A letter is being mailed out to our CUSucceed Club and Kirby Kangaroo Club members
describing all the activities planned for April 2226, 2013. Refreshments will be served on Friday,
April 26 during Youth Week at all office locations!
Plan a weekend of
Family Fun!
Buy Your Six Flags/White Water
and Alabama Adventure Tickets
in Advance!
Visit our website for
links to purchase tickets online.
Shred-It Day
NAECU is sponsoring “Shred-it Day” on
Friday, May 10, 2013. There is no cost for
the shredding service, it is being provided
in connection with Teacher & Staff Appreciation Week. Limit of 40 pounds per person, paper records only please. Document
Destruction Services will be at these two
locations during the hours listed below:
Athens Office 107 U.S. Hwy 31, S
Athens, AL 35611
11:00 AM to 1:00 PM Main Office
2309 Whitesburg Drive, S
Huntsville, AL 35801
3:00 PM to 5:00 PM
Take Action to Avoid
Dormant Account
An account is considered dormant
when there has been no activity
within 12 months, total shares
below $100, no loans with credit
union; this only applies to members
age 19 and older. All of these
attributes must apply, not just one.
If your account meets all of these
criteria then you will be charged a
$5.00 monthly dormant fee. One
deposit or withdrawal per year
would prevent an account from
becoming dormant.
Teacher & Staff Appreciation
Week May 6-10
We appreciate the great work you do! To
show our thanks, everyone is invited to
join us for refreshments on Friday, May 10th. You
may register all week to win $50 to be given away on
Friday afternoon at each office location.
School Supply
Borrow up to $500 with 0% Annual Percentage Rate
(APR). Beginning July 8, 2013 we will be offering
a School Supply Loan for both parents and teachers.
We are going to help you with the supplies needed
for your students and/or classroom with (no interest)
0% APR! There is a small processing fee* for this
loan. We will automatically put this loan on payroll
deduction or direct deposit for your convenience.
*Contact a loan officer for the fee amount. Loan
based on 10 monthly payments on direct deposit or
payroll deduction of $50 per month. Loan promotion
ends September 30, 2013.
ucated Choice for educators and PTA/PTO members
Bring in Your Estimates for
ANY Home Improvements!
Cancer Affects Us All
NAECU donates $5,300 to
American Red Cross
North Alabama Educators Credit Union (NAECU)
donated $5,300 to benefit the American Red Cross
in North Alabama. The money was collected
during 2012 from various fundraisers. The
employees of NAECU are committed to helping
our community. This check was presented to
Lance Wave, Major Gift Officer from the American
Red Cross at our 57th Annual Membership
Meeting on February 25, 2013.
Pictured left to right: Amy Spears, Glennice Hall, Christie
Jones, Lance Wave, Felicia Tuck-Committee Chairwoman
and Greg Olmsted.
Need extra cash for some unexpected expenses?
Take advantage of our Skip-A-Payment program,
which allows you to skip your eligible consumer
loan(s) payments with NAECU. Please contact any
Loan Office for assistance.
Terms for Skip-A-Payment Offer:
Mortgage loans, overdraft protection loans, classroom supply
loans, or 1 payment loans are not eligible for this Skip-APayment offer.
New loans must have had at least 2 consecutive monthly
payments on the loan.
Loan balance must be $500 or more.
Payment must be $100 or more.
Member’s account must be in good standing with the credit
NAECU reserves the right to deny a skip request if prior loan
modifications have taken place during the past year.
No more than 2 payments skips per year are available.
There is a $35 fee per loan skipped.
Interest charges will continue to accrue from the last payment
Let us help you with a personal loan!
(Not secured by the property).
Borrow up to $10,000
Fixed Rates as low as
5.75% APR for 36 Months*
6.00% APR for 60 Months**
*36 month example, $31.00 per $1,000 borrowed. **60 month example,
$20.00 per $1,000 borrowed.
This is not a Mortgage or Line
of Credit Equity Loan. Amounts
available are based upon the
equity present in your home. All
loan proceeds must be used for
home improvement purposes
on the applicant’s residence and
all loan proceeds will be made
payable to company name on the
BORROW FROM $10,000 TO $50,000
Quick Turnaround
Within 12-14 Business Days
Low Application Fee only $125,
no hidden fees
*36 month term example. $29.00 per $1,000 borrowed. Loan available
for owner occupied property only. This is not a Line of Credit equity
loan. Contact a loan officerfor complete details.
NAECU-NMLS #634521
Special Closing Announcement
& Holiday Schedule
(Refer to NAECU website for full 2013 Holiday Schedule)
Memorial Day
Monday, May 27th
Independence Day
Thursday, July 4th
Mobile Money is a FREE Service!
The free Mobile Money access is available through
our CU-Online Home Banking service. Members can
also create account alerts to be sent to their phone
or email account for low balances thresholds, deposit
activity, and other account activity events. Member
can access their accounts anywhere on their iPhone,
Blackberry, or Android phone devices. Visit our web
page for information and a list of FAQ’s. http://www.
Convenient Drive Thru Hours for
Main Office, Sparkman, and Athens:
Monday – Thursday
8:30 AM—5:00 PM
Friday 7:30 AM—5:30 PM
Credit Union Service Centers
Members of North Alabama Educators Credit
Union have over 5,000 branch locations
nationwide that are available for free account
access through the Credit Union Service Centers
(CUSC) network.
There is now a toll-free
telephone number to locate the closest Credit
Union Service Center branch near you! Call
(1-800919-2872) or use the web at
Main Office
2309 Whitesburg Drive, South
P.O. Box 128
Huntsville, AL 35804
(256) 534-2423
ATM located in Drive Thru
Sparkman Branch
2100 Sparkman Drive, NW
Huntsville, AL 35810
(256) 852-0408
ATM located in Drive Thru
Athens Branch
107 US Highway 31, South
Athens, AL 35611
(256) 232-3611
ATM located in Drive Thru
Madison Branch
7559 Highway 72, West,
Suite 114
Madison, AL 35758
(256) 722-5046
Decatur Branch
2349 Danville Road,
Suite 210
Decatur, AL 35603
(256) 260-0506
Free ATM access located
in JoMo’s One Stop Texaco
next to main campus of
Calhoun Community College
There are over 28,000
ATM’s nationwide available
for free withdrawals through
the CO-OP Surcharge Free
ATM Network. In our area
all Redstone Federal CU and
Publix Grocery Store ATM’s
offer free ATM withdrawals
for NAECU members with a
Visa Debit Card or ATM Card.
Free CU-Online
Home Banking,
Free Bill Payment,
Free Memberlink
Audio Response visit
We are an Equal Credit Opportunity Lender. Qualifications must be
met on all loans. Rates and loan availability subject to change without
notice. Your loan interest rate will be determined by your credit worthiness as well as other factors, such as the length of your loan. Savings
Federally insured up to $250,000 by NCUA.
Stay connected with your Credit Union! Follow us on:
2309 Whitesburg Drive, S
P.O. Box 128
Huntsville, AL 35804
prsrt std
PERMIT No. 789

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