Home Equity Rates as low as HOME EQUITY LOANS

ECU
INSIGHTS
JULY 2013
ECU Members and the Community Support
West ISD
After the tragedy on April 17th in West, Educators Credit Union, like many others,
wanted to offer help. “Due to our long history with the education community, we
focused on West ISD in particular. Many schools sustained significant damage, so
we set out to offer help by opening up a benefit account for the school district”,
stated Joe Hutyra, Educators CEO.
Over the course of two months, money was dropped
in jars in all ECU lobbies, donations were mailed in and
deposits were made in branches. Thanks to the help of
many members, the local community and individuals/
groups near and far a monetary donation in the amount
of $9,500.00 was made to West ISD. “I, along with our
Board of Directors, would like to personally thank our
members for their contributions in support of West ISD”,
said Joe Hutyra. An additional contribution of $7,500.00
was made to support West ISD from Educators Credit
Union.
These checks were presented to Dr. Marty Crawford, West
ISD Superintendent, on June 13, 2013.
Take Advantage of LOW RATES before they’re GONE!
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
2.99
%
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 15-year term. Rates, terms and conditions are subject to change without notice. Contact the credit union for details.
SHARE
THE
Now is the perfect time to Share the Love! Refer a friend, family member or a coworker to ECU and if they open a checking account or open an auto loan, we will
give you both $10.00.* Don’t wait! Start referring your friends today! Fill out the
top part of the form and give to your friend to bring into any ECU location to join.
Forms are also available online at www.edcu.com.
Existing member’s name:____________________________________________
Address: _________________________________________________________
City, State, Zip: ____________________________________________________
REFER a FRIEND
-------------------------------------------------------------------------------------------------------------------------------------
For Official Use Only:
Date Opened:________________
Teller #:______________________
New member #:_______________
Receipt sent:_________________
Address: _________________________________________________________
New member’s name:_______________________________________________
City, State, Zip: ____________________________________________________
*Certain restrictions apply. Please visit www.edcu.com for official rules or pick up a copy at any
ECU branch.
Get excited about a new car!
NEW or USED
AUTO RATES
as low as
2.29
%
APR*
*APR = Annual Percentage Rate. Rate is based on credit rating and is subject to
normal credit approval. Rates and terms are subject to change without notice.
Rate cannot be applied to vehicles already financed with ECU. Other restrictions
may apply. Contact the credit union for details. ECU membership is required.
Federally Insured by NCUA.
MONEY-SAVING
VACATION TIPS
Summer means vacations for many people. This year ensure your
dream trip does not become a financial nightmare by taking the
following five steps:
1) Bring your own food and snacks. Whether traveling for a week
long or day trip, bring your own food and snacks. Food and
beverage prices are typically higher in “touristy” areas, so save
your money by bringing bottled water and sodas, and packing
snacks and lunches.
2) Have a budget when on-site. Many people budget for the travel
and hotel costs of their vacations, but forget to consider meals
and activities when on-site. Think carefully about what activities
your family might want to experience – water skiing or zip lining
– and what meals you’ll want to enjoy out, and budget
appropriately before you leave.
3) Look for local excitement. Summer is the season for local
festivals and activities throughout Texas, and most are free. See
what’s happening in your local area by visiting
http://www.traveltex.com/. A plethora of kid-friendly and kid-free
events await.
4) Leave unnecessary financial instruments at home. Before going on
vacation, look through your wallet and purse and remove any
financial instruments that you won’t need, and leave them at home.
Why bring your checkbook or other less-used payment methods on
vacation and risk them being lost or stolen? Only bring the forms of
payment that you plan on using, plus a back-up.
5) Make use of gas perk programs. Traveling by car is pretty much
inevitable, whether enjoying an out-of-town getaway or stay-cation
this summer. Many retailers, such as grocery stores and gas stations,
offer gas discounts that can amount to significant savings, especially if
you plan ahead and amass the rewards over the months leading up to your vacation.
No matter where you go this summer, the tips above should help! And remember, Educators Credit Union
can help with a low rate vacation loan should you need help covering vacation costs.
UPCOMING EVENTS
Wednesday, 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. Buy something sweet for your July 4th
party.
Friday, August 2 and Saturday, August 3
Storybook Christmas will be set up in the Main Office
lobby selling books. All proceeds go to Storybook
Christmas to buy books for underprivileged children,
pre-K through 5th, in McLennan County.
Need a New Car?
Your Credit Union Membership Gives
You Three Great Ways To Save
DISCOUNT TICKETS AVAILABLE ONLINE AT
www.edcu.com
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.
One-Day Tickets
Child = $42.00 + tax
Adult = $50.00 + tax
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.
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).
Locations:
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:
254-751-5871
1-800-460-1331
Online:
www.edcu.com
One-Day Tickets
$39.99 + tax/processing
Season Passes
$59.99 + tax/processing
One-Day Tickets
$18.99 + tax/processing
Season Passes
$69.99 + tax/processing
Holiday Closings:
Independence Day - Thursday, July 4th
Labor Day - Monday, September 2nd
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