Take Advantage of our LOW RATES!

ECU
INSIGHTS
JULY 2014
Take Advantage of our LOW RATES!
HOME EQUITY LOANS
• Pay for home improvements
• Refinance your current mortgage
- closing costs are much lower
• Consolidate your bills
Home Equity Rates
as low as
3.25
%
APR*
Contact Cheryl Lowe or Debora Alspaugh to discuss your options!
Call 254-776-7900 or 1-800-596-5460.
*APR = Annual Percentage Rate. Rate is based on credit rating and is subject to normal credit approval. Minimum loan amount is $25,000.
Rate is for a 10-year term. Rates, terms and conditions are subject to change without notice. Contact the credit union for details.
Used Wheels Might Be Best Deals
Buying a used car is a financially smart thing to do,
experts say--even for people who have the cash to buy
whatever kind of car they want. One of the biggest
advantages of buying a used car is that you won’t suffer
the depreciation that wallops new car buyers. Even oneyear-old used cars are 20% to 30% cheaper than new
cars.
Other good reasons to buy a used car include:
• Used cars are more reliable and safer today than
ever before;
• You may be able to buy more “car” if you buy used. For example, you may not be able to afford a new SUV,
but a used one could be more in your price range;
• Many auto manufacturers are offering extended warranties on new cars, which means a used car still
could be under warranty;
• More manufacturers are selling certified used cars that include warranties;
• You easily can trace the history of a used car using the Vehicle Identification Number;
• Depending on the age of the vehicle, we offer used-car loans at new-car rates;
• Financing used cars has never been easier--be sure to talk with a loan officer at ECU today.
So when you are ready to purchase your next vehicle, be sure and stop by the credit union and talk to us
first about financing.
Make sure you’re headed
in the right direction.
Online Loan Payment
Credit Card Cash Advances
Educators Credit Union now makes it easy for you to
pay your loan with our Online Loan Payment service.
Members can make payments online via our secure
loan payment site, accessed from our website
(www.edcu.com) under the loans tab.
ECU now offers members the option of making a
cash advance from their credit card. You can use your
VISA, MasterCard, or Discover card to get the cash
you need. These transactions can be processed by a
teller at any of our 8 locations.
Members can make a one-time loan payment each
billing cycle, set up an automatically recurring loan
payment or make extra loan payments on-demand
at any time. Loan payments can be debited from
your checking or savings account at the financial
institution of your choice or you may also use your
credit card or debit card. Processing fees do apply.
*A fee or set-up charge may be added to the cardholder’s
account by the card issuer subject to the terms of the issuer’s
agreement with the cardholder. Annual percentage rate for cash
advances could also apply.
Your financial security is important.
A review of your overall financial picture can help you understand your current
investments, answer questions regarding these investments and reassure you about
the plans you have in place for a secure financial future.
James L. Hutchison, Financial Consultant
Call today for a complimentary review of your financial picture.
RV & BOAT LOANS
Rates as low as
Located at Educators Credit Union
(254) 776-7900
NO BANK GUARANTEE | NOT A DEPOSIT | NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | MAY LOSE VALUE All Securities and Advisory Services offered through Investment Professionals, Inc. (IPI), a Registered Broker/Dealer and Registered Investment Advisor and member FINRA and SIPC.
3.50
%
APR*
Contact a loan officer to discuss your options!
| 1 Collegeboard.com
*APR = Annual Percentage Rate.
Rate is based on credit rating and is subject to normal credit approval. Rates, terms and conditions are subject to change without notice. Contact the credit union for details.
Upcoming Events
Thursday, July 3
Member Appreciation Day at the Main Office from
11:00 - 3:00. Free Hot Dogs and Sodas. Employees
will also be hosting a Bake Sale to benefit Relay for
Life.
Educators Credit Union has three ways for our members to
save on a new vehicle purchase.
First, General Motors is offering all current and eligible
credit union members preferred pricing on most new GM
vehicles. This is in addition to the most current incentives
and special offers! Depending on the vehicle, you could
save hundreds, even thousands of dollars on your next new
Chevrolet, Buick, or GMC vehicle purchase just for being a
credit union member. Visit LoveMyCreditUnion.org to see
how much you can save and request your GM Authorization Number.
Second, our members can save big with great low rates
when you finance your new vehicle through Educators
Credit Union. Contact us at 800-596-5460 to find out more
about your vehicle financing options.
Thursday, July 31
Come visit us at our booth at Hewitt’s National
Night Out event in Hewitt.
DISCOUNT TICKETS AVAILABLE AT
www.edcu.com
One-Day Tickets
Child = $30.00 + tax/processing
Adult = $40.00 + tax/processing
Third, you’ll also save on fuel costs with GM’s high-fuel efficiency vehicles. Start saving today!
GM offers high-fuel efficient products in most high-volume vehicle segments, and more are coming to the market each year. (All fuel economy
ratings below are EPA Estimates) The new Chevrolet Cruze Eco, with it’s
42 mpg EPA highway estimate, offers the best highway fuel economy of
any gasoline engine (non-hybrid) car in America. The Chevy Equinox and
GMC Terrain crossovers offer space for the family and a 32 mpg highway
estimate. Chevrolet Malibu has EPA mileage estimates of 22 mpg city, 33
mpg highway, and can travel nearly 500 highway miles on a tank of fuel.
Chevy Silverado and GMC Sierra offer the best highway fuel economy
estimates of any V8 pickups (22 mpg), and offer hybrid models for the
ultimate in full-size truck fuel efficiency (20 mpg city, 23 mpg highway).
One-Day Tickets
$44.99 + tax/processing
Season Passes
$64.99 + tax/processing
Locations:Holiday Closings:
Main Office - 501 W. State Hwy 6 • 254-776-7900
TSTC Office - 100 Bolling Dr. • 254-799-8946
Hewitt Office - 501 Hewitt Dr. • 254-666-7711
Lake Shore Office - 2400 W. Lake Shore Dr. • 254-752-1815 Robinson Office - 641 N. Robinson Dr. • 254-662-9595
Marlin Office - 1210 Live Oak • 254-803-5290
Gatesville Office - 306 S. Lovers Ln • 254-865-8664
Copperas Cove Office - 201 E. Robertson Ave. • 254-547-4411
Audio Response:
Online:
254-751-5871www.edcu.com
1-800-460-1331
One-Day Tickets
$18.99 + tax/processing
Season Passes
$49.99 + tax/processing
Independence Day - Friday, July 4th
Labor Day - Monday, September 1st
Your savings federally insured to at least
$250,000 and backed by the full faith and credit
of the United States government. National
Credit Union Administration, a U.S. Government Agency