August 2014 - Financial Plus Credit Union

it’s not safe to be driving around
With all that cash in your car!
You probably didn’t even know that you were doing it, but that’s why we’re here.
With Financial Plus, you get something better.
So where is all this cash in your car? Let’s take a look!
Is it in the glove compartment? Hidden like your owner’s manual, you may
have equity in your car - equity you could use to pay for that summer vacation or
consolidate bills.
Is it in your change holder?
Not much change these
days? Consider refinancing an
auto loan you have at another
institution with us. A lower
monthly payment would save you
some serious coin.
Is it in the window? Next to the For Sale
Sign? Save time by talking to us before you start to
shop. Save money by getting your new ride at competitive
rates and terms that fit your budget.
Visit us at www.getsomethingbetter.com
to find your cash today!
Rates and Conditions
AUTO LOANSTermAPR*
2009 & Newer
36 months*
1.99%
2009 & Newer
48 months
1.99%
2009 & Newer
66 months
1.99%
78 months
2.99%
2009 & Newer
2009 & Newer
84 months
3.49%
2006 - 2008
36 months
3.24%
2006 - 2008
48 months
3.24%
2006 - 2008
60 months
3.24%
2006 - 2008
72 months
4.49%
2005 - Older
36 months
5.24%
48 months
5.49%
2005 - Older
2005 - Older
60 months
5.74%
SIGNATURE LOANSTermAPR*
18 months
8.75%
36 months 11.50%
48 months
12.50%
CREDIT CARD
RATESCard TypeAPR*
VISA®8.25%
MasterCard Gold
8.25%
HOME EQUITY
LOANSTermAPR*
15/5 year balloon
3.50%
HOME IMPROVEMENT
LOANSTermAPR*
60 - 120 months
8.50%
HOME EQUITY LINE
OF CREDITTermAPR*
180 months
4.50%
*Existing loans with FPCU may not qualify for special
rates. APR=Annual Percentage Rate. All rates are subject
to change. Rates are quoted with all available discounts.
Terms and conditions may apply.
this issue
Debit Card Reissue
Your Online Banking Wish
Is Our Command
Calendar of Events
What’s New
WELCOME EDCO
It’s Not Safe To Be Driving Around
With All That Cash In Your Car
EdCo Community Credit Union Merges With Financial Plus
see inside for details
Get Something Better
At Financial Plus Credit Union.
Hours & Locations
West Des Moines Office
Euclid Avenue Office
university Avenue Office
Ingersoll Avenue Office
Des Moines, IA 50321
2850 East Euclid Avenue
Des Moines, IA 50317
Phone:515-224-1222
Fax:515-224-0961
Toll Free:1-800-234-5628
Phone:515-256-7955
Fax:515-256-9784
Toll Free:1-800-234-5628
Phone:515-283-2526
Fax:515-247-9101
Toll Free:1-800-234-5628
Phone:515-262-7371
Fax:515-262-6970
Toll Free:1-800-234-5628
Phone:515-274-4100
Fax:515-274-2939
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 5:00pm
Friday
Friday
Lobby - 9:00am to 6:00pm
Lobby - 9:00am to 6:00pm Drive-up - 8:00am to 6:00pm
Drive-up - 8:00am to 6:00pm Friday
Lobby - 9:00am to 6:00pm
Drive-up - 8:00am to 6:00pm
Friday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 6:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
1831 25th Street
West Des Moines, IA 50266
Fleur Drive Office
4303 Fleur Drive
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
Saturday
Lobby & Drive-up 9:00am to Noon
2201 East University Avenue
Des Moines, IA 50317
Monday - Friday
Lobby - 9:00am to 3:30pm
609 38th Street
Des Moines, IA 50312
Saturday
Lobby & Drive-up 9:00am to Noon
simple.
custom.
secure.
experience the
NEW online banking
it’s not safe to be driving around
With all that cash in your car!
You probably didn’t even know that you were doing it, but that’s why we’re here.
With Financial Plus, you get something better.
So where is all this cash in your car? Let’s take a look!
Is it in the glove compartment? Hidden like your owner’s manual, you may
have equity in your car - equity you could use to pay for that summer vacation or
consolidate bills.
Is it in your change holder?
Not much change these
days? Consider refinancing an
auto loan you have at another
institution with us. A lower
monthly payment would save you
some serious coin.
Is it in the window? Next to the For Sale
Sign? Save time by talking to us before you start to
shop. Save money by getting your new ride at competitive
rates and terms that fit your budget.
Visit us at www.getsomethingbetter.com
to find your cash today!
Rates and Conditions
AUTO LOANSTermAPR*
2009 & Newer
36 months*
1.99%
2009 & Newer
48 months
1.99%
2009 & Newer
66 months
1.99%
78 months
2.99%
2009 & Newer
2009 & Newer
84 months
3.49%
2006 - 2008
36 months
3.24%
2006 - 2008
48 months
3.24%
2006 - 2008
60 months
3.24%
2006 - 2008
72 months
4.49%
2005 - Older
36 months
5.24%
48 months
5.49%
2005 - Older
2005 - Older
60 months
5.74%
SIGNATURE LOANSTermAPR*
18 months
8.75%
36 months 11.50%
48 months
12.50%
CREDIT CARD
RATESCard TypeAPR*
VISA®8.25%
MasterCard Gold
8.25%
HOME EQUITY
LOANSTermAPR*
15/5 year balloon
3.50%
HOME IMPROVEMENT
LOANSTermAPR*
60 - 120 months
8.50%
HOME EQUITY LINE
OF CREDITTermAPR*
180 months
4.50%
*Existing loans with FPCU may not qualify for special
rates. APR=Annual Percentage Rate. All rates are subject
to change. Rates are quoted with all available discounts.
Terms and conditions may apply.
this issue
Debit Card Reissue
Your Online Banking Wish
Is Our Command
Calendar of Events
What’s New
WELCOME EDCO
It’s Not Safe To Be Driving Around
With All That Cash In Your Car
EdCo Community Credit Union Merges With Financial Plus
see inside for details
Get Something Better
At Financial Plus Credit Union.
Hours & Locations
West Des Moines Office
Euclid Avenue Office
university Avenue Office
Ingersoll Avenue Office
Des Moines, IA 50321
2850 East Euclid Avenue
Des Moines, IA 50317
Phone:515-224-1222
Fax:515-224-0961
Toll Free:1-800-234-5628
Phone:515-256-7955
Fax:515-256-9784
Toll Free:1-800-234-5628
Phone:515-283-2526
Fax:515-247-9101
Toll Free:1-800-234-5628
Phone:515-262-7371
Fax:515-262-6970
Toll Free:1-800-234-5628
Phone:515-274-4100
Fax:515-274-2939
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 5:00pm
Friday
Friday
Lobby - 9:00am to 6:00pm
Lobby - 9:00am to 6:00pm Drive-up - 8:00am to 6:00pm
Drive-up - 8:00am to 6:00pm Friday
Lobby - 9:00am to 6:00pm
Drive-up - 8:00am to 6:00pm
Friday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 6:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
1831 25th Street
West Des Moines, IA 50266
Fleur Drive Office
4303 Fleur Drive
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
Saturday
Lobby & Drive-up 9:00am to Noon
2201 East University Avenue
Des Moines, IA 50317
Monday - Friday
Lobby - 9:00am to 3:30pm
609 38th Street
Des Moines, IA 50312
Saturday
Lobby & Drive-up 9:00am to Noon
simple.
custom.
secure.
experience the
NEW online banking
Pointers
PLUS
EDCO community credit union
Merges with Financial Plus
We’re excited to announce that, by a vote of
the membership on Monday, August 4th,
EDCO Community Credit Union will be
merging with Financial Plus Credit Union.
EDCO’s Board of Directors and management
staff selected Financial Plus as a merger
partner in order to continue to provide a variety
of high-quality products, enhanced services and greater convenience to its
membership in the long term.
“This strategic merger is a win-win for both EDCO and Financial Plus,” said
Dave Cale, CEO/President of Financial Plus Credit Union. “We look forward to
providing the combined 15,000 members with another full-service, convenient
branch location as we continue to grow in the Greater Des Moines area.”
On September 1, 2014, EDCO Community Credit Union will officially be
Financial Plus Credit Union. We would like to welcome EDCO members and look
forward to providing the latest technology, a variety
of new products and services and several new
Community Credit Union
branch locations!
EdCo
Welcome, we look forward to serving you!
The Wise Choice in Financial Services & Education
Issue 29 • August 2014
A quarterly publication for the members
and affiliates of Financial Plus Credit Union.
poof!
Your Online Banking Wish Is Our Command!
If a genie in a magic bottle granted you three
wishes to make online banking
better, what would your wishes
be? At Financial Plus, your
wishes are granted with our
new Online Banking!
Wish #1: Make it so
easy, my money almost
takes care of itself.
We live in a society that wants to
“set it and forget it”. We’re busy! We
have enough things to do besides
worrying about one more
thing. With the new
Online Banking from
Financial Plus, you
can easily set up recurring
transfers and payments within
your account. Got that auto loan payment to make?
Forget it! You will be able to set up the monthly transfer and take it off your list of
things to do.
Even better, you will be updated about your account activity via e-mail or a
pop up message the next time you log in. You can set up alerts based on your
balance and transactions, and there are even security alerts you can set. It’s like
having a personal, financial assistant keeping you up to date about your money.
Wish #2: Make sure my money is secure.
We are changing our Debit Card
program to benefit you with real time
transactions. What does this mean?
This means that when you use your
debit card at a merchant, your transaction will be approved based upon
your current checking account balance. In the past, your transactions were
authorized against balance files sent to the processor 5 times daily. This
meant that you weren’t always given credit with your most recent balance.
Debit card holders will be receiving new Financial Plus debit cards early in
September and will continue to have access to thousands of surchargefree ATMs nationwide on Shazam’s Privileged Status network. Your
current debit card will expire on September 30, 2014.
Below is some key information that will help make this transition a little less painful.
Your new debit card will be available for use as soon as you receive it.
You will be able to activate your debit card by one of two ways:
You may activate your card by performing a PIN based transaction
with your existing PIN (i.e. make cash withdrawal at an ATM and
enter your PIN).
Or, you may call the toll free number on the card and follow the
prompts.
When it comes to your money, you want it safe and secure. That is why we’ve
added another layer of security to our verification process. The first time you log
into the new Online Banking, you’ll be asked to set up three security questions
and answers. They will be used to verify your identity and authenticate your
computer in the future.
In addition to the added layers of security, members are also able to securely
update their address, phone number, e-mail address and Online Banking
identification at any time.
Don’t forget about setting up those new security alerts, too!
Wish #3: Make it customized to fit my needs.
What do you want to see when you log into Online Banking? We’re not talking
about your balances, we’re talking about the look and feel of Online Banking.
Now you can set up the page the way you like to see it. Whether you like to keep
it simple or see everything, you can configure the page to fit your needs. You can
even change the order of the way things appear on your page. It’s your money
and now it’s your Online Banking!
You don’t need a genie in the bottle. You’ve got Financial Plus,
where you always get something better…
no magic bottle required.
What’s new:
calendar of events
Euclid Branch Grand Opening
september
The Euclid branch grand opening and ribbon cutting
ceremony took place on Friday, July 18th. The branch
is located at 2850 E. Euclid Avenue and is NOW open
to serve all your financial needs.
1
EdCo Community Credit Union Merges with FPCU
1
All Offices Closed for Labor Day
8New Debit Cards Mailed
30Old Debit Cards Expire
october
16International Credit Union Day
november
1Mall of America “Shop ‘Till You Drop” Trip Contact Julie at 515-224-1222
27
All Offices Closed for Thanksgiving
trips
annual mall of america shop “Till you drop day trip:”
There’s still room on the Mall of America Trip, November 1st.
Contact Julie at 515-224-1222 to make your reservation.
“We are looking forward to being a part of this vibrant
community,” said Dave Cale, CEO of Financial Plus.
Stop by and visit us today!
Phone: (515) 283-2526
Fax: (515) 247-9101
Toll Free: (800) 234-5628
Hours:
Monday - Thursday
9:00am to 5:00pm Lobby & Drive-up
Friday
9:00am to 6:00pm Lobby
8:00am to 6:00pm Drive-up
Saturday
9:00am to Noon Lobby & Drive-up
Pointers
PLUS
EDCO community credit union
Merges with Financial Plus
We’re excited to announce that, by a vote of
the membership on Monday, August 4th,
EDCO Community Credit Union will be
merging with Financial Plus Credit Union.
EDCO’s Board of Directors and management
staff selected Financial Plus as a merger
partner in order to continue to provide a variety
of high-quality products, enhanced services and greater convenience to its
membership in the long term.
“This strategic merger is a win-win for both EDCO and Financial Plus,” said
Dave Cale, CEO/President of Financial Plus Credit Union. “We look forward to
providing the combined 15,000 members with another full-service, convenient
branch location as we continue to grow in the Greater Des Moines area.”
On September 1, 2014, EDCO Community Credit Union will officially be
Financial Plus Credit Union. We would like to welcome EDCO members and look
forward to providing the latest technology, a variety
of new products and services and several new
Community Credit Union
branch locations!
EdCo
Welcome, we look forward to serving you!
The Wise Choice in Financial Services & Education
Issue 29 • August 2014
A quarterly publication for the members
and affiliates of Financial Plus Credit Union.
poof!
Your Online Banking Wish Is Our Command!
If a genie in a magic bottle granted you three
wishes to make online banking
better, what would your wishes
be? At Financial Plus, your
wishes are granted with our
new Online Banking!
Wish #1: Make it so
easy, my money almost
takes care of itself.
We live in a society that wants to
“set it and forget it”. We’re busy! We
have enough things to do besides
worrying about one more
thing. With the new
Online Banking from
Financial Plus, you
can easily set up recurring
transfers and payments within
your account. Got that auto loan payment to make?
Forget it! You will be able to set up the monthly transfer and take it off your list of
things to do.
Even better, you will be updated about your account activity via e-mail or a
pop up message the next time you log in. You can set up alerts based on your
balance and transactions, and there are even security alerts you can set. It’s like
having a personal, financial assistant keeping you up to date about your money.
Wish #2: Make sure my money is secure.
We are changing our Debit Card
program to benefit you with real time
transactions. What does this mean?
This means that when you use your
debit card at a merchant, your transaction will be approved based upon
your current checking account balance. In the past, your transactions were
authorized against balance files sent to the processor 5 times daily. This
meant that you weren’t always given credit with your most recent balance.
Debit card holders will be receiving new Financial Plus debit cards early in
September and will continue to have access to thousands of surchargefree ATMs nationwide on Shazam’s Privileged Status network. Your
current debit card will expire on September 30, 2014.
Below is some key information that will help make this transition a little less painful.
Your new debit card will be available for use as soon as you receive it.
You will be able to activate your debit card by one of two ways:
You may activate your card by performing a PIN based transaction
with your existing PIN (i.e. make cash withdrawal at an ATM and
enter your PIN).
Or, you may call the toll free number on the card and follow the
prompts.
When it comes to your money, you want it safe and secure. That is why we’ve
added another layer of security to our verification process. The first time you log
into the new Online Banking, you’ll be asked to set up three security questions
and answers. They will be used to verify your identity and authenticate your
computer in the future.
In addition to the added layers of security, members are also able to securely
update their address, phone number, e-mail address and Online Banking
identification at any time.
Don’t forget about setting up those new security alerts, too!
Wish #3: Make it customized to fit my needs.
What do you want to see when you log into Online Banking? We’re not talking
about your balances, we’re talking about the look and feel of Online Banking.
Now you can set up the page the way you like to see it. Whether you like to keep
it simple or see everything, you can configure the page to fit your needs. You can
even change the order of the way things appear on your page. It’s your money
and now it’s your Online Banking!
You don’t need a genie in the bottle. You’ve got Financial Plus,
where you always get something better…
no magic bottle required.
What’s new:
calendar of events
Euclid Branch Grand Opening
september
The Euclid branch grand opening and ribbon cutting
ceremony took place on Friday, July 18th. The branch
is located at 2850 E. Euclid Avenue and is NOW open
to serve all your financial needs.
1
EdCo Community Credit Union Merges with FPCU
1
All Offices Closed for Labor Day
8New Debit Cards Mailed
30Old Debit Cards Expire
october
16International Credit Union Day
november
1Mall of America “Shop ‘Till You Drop” Trip Contact Julie at 515-224-1222
27
All Offices Closed for Thanksgiving
trips
annual mall of america shop “Till you drop day trip:”
There’s still room on the Mall of America Trip, November 1st.
Contact Julie at 515-224-1222 to make your reservation.
“We are looking forward to being a part of this vibrant
community,” said Dave Cale, CEO of Financial Plus.
Stop by and visit us today!
Phone: (515) 283-2526
Fax: (515) 247-9101
Toll Free: (800) 234-5628
Hours:
Monday - Thursday
9:00am to 5:00pm Lobby & Drive-up
Friday
9:00am to 6:00pm Lobby
8:00am to 6:00pm Drive-up
Saturday
9:00am to Noon Lobby & Drive-up
it’s not safe to be driving around
With all that cash in your car!
You probably didn’t even know that you were doing it, but that’s why we’re here.
With Financial Plus, you get something better.
So where is all this cash in your car? Let’s take a look!
Is it in the glove compartment? Hidden like your owner’s manual, you may
have equity in your car - equity you could use to pay for that summer vacation or
consolidate bills.
Is it in your change holder?
Not much change these
days? Consider refinancing an
auto loan you have at another
institution with us. A lower
monthly payment would save you
some serious coin.
Is it in the window? Next to the For Sale
Sign? Save time by talking to us before you start to
shop. Save money by getting your new ride at competitive
rates and terms that fit your budget.
Visit us at www.getsomethingbetter.com
to find your cash today!
Rates and Conditions
AUTO LOANSTermAPR*
2009 & Newer
36 months*
1.99%
2009 & Newer
48 months
1.99%
2009 & Newer
66 months
1.99%
78 months
2.99%
2009 & Newer
2009 & Newer
84 months
3.49%
2006 - 2008
36 months
3.24%
2006 - 2008
48 months
3.24%
2006 - 2008
60 months
3.24%
2006 - 2008
72 months
4.49%
2005 - Older
36 months
5.24%
48 months
5.49%
2005 - Older
2005 - Older
60 months
5.74%
SIGNATURE LOANSTermAPR*
18 months
8.75%
36 months 11.50%
48 months
12.50%
CREDIT CARD
RATESCard TypeAPR*
VISA®8.25%
MasterCard Gold
8.25%
HOME EQUITY
LOANSTermAPR*
15/5 year balloon
3.50%
HOME IMPROVEMENT
LOANSTermAPR*
60 - 120 months
8.50%
HOME EQUITY LINE
OF CREDITTermAPR*
180 months
4.50%
*Existing loans with FPCU may not qualify for special
rates. APR=Annual Percentage Rate. All rates are subject
to change. Rates are quoted with all available discounts.
Terms and conditions may apply.
this issue
Debit Card Reissue
Your Online Banking Wish
Is Our Command
Calendar of Events
What’s New
WELCOME EDCO
It’s Not Safe To Be Driving Around
With All That Cash In Your Car
EdCo Community Credit Union Merges With Financial Plus
see inside for details
Get Something Better
At Financial Plus Credit Union.
Hours & Locations
West Des Moines Office
Euclid Avenue Office
university Avenue Office
Ingersoll Avenue Office
Des Moines, IA 50321
2850 East Euclid Avenue
Des Moines, IA 50317
Phone:515-224-1222
Fax:515-224-0961
Toll Free:1-800-234-5628
Phone:515-256-7955
Fax:515-256-9784
Toll Free:1-800-234-5628
Phone:515-283-2526
Fax:515-247-9101
Toll Free:1-800-234-5628
Phone:515-262-7371
Fax:515-262-6970
Toll Free:1-800-234-5628
Phone:515-274-4100
Fax:515-274-2939
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Hours:
Hours:
Monday - Thursday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 5:00pm
Friday
Friday
Lobby - 9:00am to 6:00pm
Lobby - 9:00am to 6:00pm Drive-up - 8:00am to 6:00pm
Drive-up - 8:00am to 6:00pm Friday
Lobby - 9:00am to 6:00pm
Drive-up - 8:00am to 6:00pm
Friday
Lobby - 8:30am to 5:00pm
Drive-up - 7:30am to 6:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
1831 25th Street
West Des Moines, IA 50266
Fleur Drive Office
4303 Fleur Drive
Monday - Thursday
Lobby & Drive-up 9:00am to 5:00pm
Saturday
Lobby & Drive-up 9:00am to Noon
Saturday
Lobby & Drive-up 9:00am to Noon
2201 East University Avenue
Des Moines, IA 50317
Monday - Friday
Lobby - 9:00am to 3:30pm
609 38th Street
Des Moines, IA 50312
Saturday
Lobby & Drive-up 9:00am to Noon
simple.
custom.
secure.
experience the
NEW online banking