Start Your Holiday Shopping Early
Transcription
Start Your Holiday Shopping Early
T imes q 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!