Start Your Holiday Shopping Early

Transcription

Start Your Holiday Shopping Early
T
imes
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uarterly
October 2014
Start Your Holiday Shopping Early
Have extra money to spend with our Christmas Skip-a-Pay
The holidays are just around the corner, which means Christmas will be
here very soon. Wouldn’t it be nice to have extra money to spend on
your holiday shopping? You can! Upon your request, you can
skip your November or December loan payment(s) for one month.
This agreement extends the repayment period of your loan(s).
This offer does not apply to all loans, including term loans, first
mortgage loans, loans with payment frequency longer than one
month, credit cards, delinquent loans, loans with poor payment
history or loans that have had an extension agreement within the last
six months. A $10 maintenance fee will be assessed for each loan.
Apply online at gpcu.org and click on our Christmas Skip-a-Pay form.
At Golden Plains Credit Union, we want
you to Celebrate Your Rate! For a limited
time, enjoy 0% APR* on new Golden Plains’
credit cards and on balance transfers. After
7 months, the rate will revert back to the
standard interest rate.
Our credit cards offer a low annual
percentage rate; our Golden Rewards card
gives you up to 1% cash back on your
purchases automatically and our cards are
handled locally, so you can simply drop off
your payment or call with questions.
With our 0% APR* Balance Transfer Rate for 7 months, now is the perfect time to transfer your high-rate
credit cards to a low-rate Golden Plains’ VISA Credit Card. 0% is a limited time offer. Celebrate Your Rate
with a credit card from Golden Plains Credit Union today! Apply online at gpcu.org.
*Annual Percentage Rate. 0% APR is good on new GPCU credit cards for the first 7 months. After 7 months, the rate will revert back to
the standard interest rate. 0% APR on balance transfers is good for both new & existing GPCU credit cards. Limited time offer.
Holiday Closings:
Columbus Day
Monday, October 13th
Veteran’s Day
Tuesday, November 11th
Thanksgiving
Thursday, November 27th
Christmas Eve
Wednesday, December 24th (closed at 1 p.m.)
Christmas
Thursday, December 25th
New Year’s Day
Thursday, January 1st
Come Together
Golden Plains Credit Union & Central Star
Credit Union Intend to Merge
$450 million Golden Plains
Credit Union and $75 million Central
Star Credit Union intend to merge. The merger
will provide expanded service offerings, additional
locations and greater financial stability for both Golden Plains
and Central Star Members.
Golden Plains Credit Union Member-President, Erich Schaefer
is excited to join Central Star Credit Union in serving members
in the aircraft & chemical industries, and the greater Wichita
community. He also sees providing Golden Plains’ current
3,000 Sedgwick County members with three local offices as a
tremendous benefit.
“Both Central Star and Golden Plains have a strong history of
commitment to reach out to our field of membership and to
provide superior value at every member contact,” Schaefer
said.
The partnership will result in one of the strongest credit
unions in the state, with a combined 15 branches, $525 million
in assets and more than 70,900 members. The merger is
expected to be completed this year.
“Golden Plains Credit Union is the ideal strategic partner for
us,” stated Lee Williams, President/CEO of Central Star Credit
Union. “We explored multiple options for our membership’s
future growth, and a partnership with Golden Plains was a win-
win for all.”
Central Star Credit Union
was established in 1940 and
serves anyone who lives or works in
Sedgwick, Butler, Harvey, McPherson, Saline
or Sumner counties as well as employees of
Beechcraft Corp. and OxyChem.
“Both credit unions offer strong financial services, our fields
of membership will enhance one another and we share a
common vision and value for our members, employees and
our communities,” said Williams.
All three Central Star locations will remain in operation and
will join the 12 Golden Plains’ locations throughout the state.
Golden Plains Credit Union has been in existence since
1951 and serves anyone who resides in Central, Western or
Southeast Kansas, the Liberal trade area and members of the
Friends of Lee Richardson Zoo. GPCU has 170 employees
and serves 62,200 members with 12 locations. Offices are
located in Garden City, Ulysses, Quinter, Phillipsburg, Liberal,
Lakin, Hays, Hesston, Ellsworth, Parsons and Pittsburg.
“This is an exciting merger for Golden Plains and we’re
thankful to be joining with the wonderful volunteers, staff
and membership at Central Star Credit Union,” said Schaefer.
C.U. Succeed Scholarship Program
Golden Plains Credit Union wants to see you succeed! That’s why we are
sponsoring several $500 scholarships for our members.
Scholarship applications will be available at all Golden Plains Credit Union
locations beginning December 1st, or you can apply online underneath our
‘Applications’ tab at the top of our homepage at gpcu.org
Scholarships are available to Golden Plains Credit Union members, who are
enrolled in or who plan to enroll as a full-time student at a university, junior
college, or trade school in the fall. In order to be eligible, applicants must
be a member of Golden Plains Credit Union. Students are not eligible
if the parent is a member and the student/applicant is not a member.
The deadline for applying for a scholarship is March 15th. All applicants will be notified in writing of the decision
of the Scholarship Committee no later than May 15th. An application must be submitted each year to be
considered for a scholarship.
GPCU has supported our members with $10,000 in scholarships for the 2014/2015 school year. Twenty students
from different high schools throughout the state received money to pay for college. These scholarship recipients
were strong in academics and active in their communities. GPCU has been awarding student members since
2007 and has awarded $45,000 over that time.
Locations
Garden City
1714 E. Kansas Ave., 67846
620.275.2151
800.825.7661
Turn your home into a “CA$H COW”
with a no-fee Home Equity Line of Credit
(HELOC) at Golden Plains Credit Union
and enjoy our low rate of 1.99% annual
percentage rate thru 6.29.15. You can use
the money for any purpose! There are
no application fees and for a limited time, there are no closing costs. You can
borrow up to 100% of your home’s equity and you can re-advance up to your
limit as many times as you want.
1504 Taylor Plaza, 67846
620.275.8187
Enjoy easy access to your HELOC via check, online or in-person at one of our
locations. You can transfer funds from your HELOC to your savings or checking
account at any time. You can make easy, online payments on your HELOC thru
Golden Plains Online. With our HELOCs, you only pay interest on the principal
balance, not the unused portion of the line.
Phillipsburg
475 State Street, 67661
785.543.5267
This is a limited time offer. Certain restrictions apply. Visit gpcu.org and apply
online today!
Annual Percentage Rate. 1.99% APR is a promotional rate available thru 6.29.15 on all new approved home equity
lines of credit opened between 8.1.14 and 12.31.14. Available on existing HELOC’s when a min of $5,000 is advanced
& paid down on another debt & member requests promo rate. After 6.29.15 the rate, terms and conditions as stated
in member’s Home Equity Plan Disclosure will apply. Limited time offer. 2The interest rate of 6% is effective as of
8.1.14. The rate adjusts to the constant maturity 1 yr. Treasury plus a margin determined at time of loan opening
depending on credit score of the borrower(s). Current rate is 6% APR. Maximum rate that may apply during the life
of the loan is 13% APR. A balloon payment may result at the end of the term. Qualification is based on assessment
of individual creditworthiness and our underwriting standards. Program, rates, terms and conditions are subject
to change without notice. Certain restrictions apply. Consumer should consult a tax advisor for further information
regarding deductibility.
1
Ulysses
112 E. Grant, 67880
620.356.4343
Quinter
400 Hwy 212, 67752
785.754.2159
Liberal
21 Medical Dr., 67901
620.624.8491
Lakin
109 N. Main, 67860
620.355.6203
Hays
2720 Broadway, 67601
785.628.1007
Hesston
140 N. Main, 67062
620.327.4144
Ellsworth
120 W. 1st St., 67439
785.472.4172
Parsons
3030 Main St., 67357
620.421.3080
Pittsburg
702 N. Locust, 66762
620.231.4160
Refinance your auto loan at Golden Plains Credit Union. When you refinance, you
could lower your current rate by 2%, with no payments for up to 90 days. Rates
can be as low as 2.49% annual percentage rate.
Think of all the money you could be saving every month. Stop by your local
Golden Plains’ location or call 1.800.825.7661 for more details. This is a limited
time offer, so call today!
*Annual Percentage Rate. This offer applies to loans financed from another lender. Subject to approval and program guidelines.
Proud Sponsor:
Leave a Legacy
Foundation
En Español
Translation by
Orlando Corral
Programa
de becas
disponibles
en GPCU
¡Golden Plains Credit
Union quiere verte
triunfar! Por eso tiene
un nuevo programa de
becas de $500 para
nuestros miembros.
Solicitudes para estas
becas están disponibles
en todas nuestras
localidades a partir del
primero de Diciembre, o
también puedes someter
tu solicitud en-línea en
la sección de solicitudes
en la parte superior de
nuestra página www.
gpcu.org.
Las becas están
disponibles para
miembros de GPCU
que estén inscritos o
piensan inscribirse en
una universidad tiempo
completo en el otoño.
Para poder ser elegible
se tiene que ser un
miembro de Golden
Plains Credit Union. Los
estudiantes que no sean
miembros no serán
elegibles para recibir esta
beca.
Las solicitudes tendrán
que ser sometidas a más
tardar el 15 de Marzo.
Los ganadores serán
notificados por escrito
a más tardar Mayo 15.
Solo una solicitud por
año será considerada.
¡Tendrás dinero extra
para gastar en estas
fechas Navideñas!
Si calificas, no tendrás que hacer tu pago de préstamo por el
mes de Noviembre o Diciembre
Ya viene la Navidad. ¿No te gustaría tener dinero extra paga gastar
en tus compras Navideñas? ¡Si se puede! Si tú lo deseas, tú puedes
prolongar tu pago de Noviembre o Diciembre por un mes. Le
llamamos nuestra promoción de “Extensión de pago Navideño.”
Este acuerdo extiende el periodo de pago a tu préstamo por un mes.
Esto no aplica a préstamos a plazo, prestamos de hipoteca, prestamos
que no tengan pagos mensuales, tarjetas de crédito, prestamos
atrasados, prestamos con historial de pagos tarde o prestamos que
hayan prolongado el pago en los últimos 6 meses. Una cuota de $10
será recolectada por cada préstamo.
¡Esta es una oferta limitada, así que ven hoy!