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Helping You Achieve Financial Security
80
rsday 9-5
Rate
APY
$100 to $19,999.99
.10% .10%
DIVIDEND
® ®
HOLIDAY
CLOSINGS:
Patriot
Day
$20,000a
andaover
.40% .40%
We
can
make
difference
in
life
We
can
make
difference
inyour
your
life
NEWS
DATES TO REMEMBER
Summer 2011
Consumer Cen
Share Balance
Summer 2011
2422 S. Holland-Sylvania Rd.
Maumee, OH 43537-1409
(419) 865-3600
ptcu.com
Fax (419) 865-3602
Audio Teller:
(419) 865-8880
Sunday, SeptemberLabor
11thDay
Monday, September 5th,
Grandparents
Day
Columbus Day
Sunday, September
Monday11th
October 10th
1st Day of Autumn
DATES TO
REMEMBER
Friday, September
23rd
ing You Achieve Financial
Patriot Day
Hours: Monday-Thursday 9-5
Friday 9-6
Certificates
Your Board of Directors voted to pay dividends on
Consumer Cents
Share Balances
asmin.
listed below .25%
6 month/$1,000
.25%
News
forAPYCo-op
Share Balance
Rate
12 month/$1,000 min. .55% .55%
$100 to $19,999.99
.10% .10%
24 month/$5,000
Security
$20,000 and over min. .40%90% .40% 90%
Sunday, September 11th
Grandparents Day
Sunday, September 11th
1st Day of Autumn
Friday, September 23rd
.
Toledo Credit Union Members
Sum
Certificates
6 month/$1,000
min. for
.25%
.25%
2 S. Holland-Sylvania Rd.
News
forCo-op
Co-op
Toledo Credit
Credit Union
Union Members
Members
News
Toledo
12 month/$1,000 min. .55% .55%
aumee,
OHAMUSEMENT
43537-1409
UNTED
PARK
TICKETS
24 month/$5,000
min. 90% 90%
Helping
YouAchieve
AchieveFinancial
Financial
Security
Summer2016
2013
Helping
You
Security
Summer
your
friends
family to some
(419)
865-3600
2422
S.and
Holland-Sylvania
Rd. SUMMER FUN!
2422 S. Holland-Sylvania Rd.
DISCOUNTED
AMUSEMENT
PARK TICKETS
FaxDISCOUNTED
(419)
865-3602
Maumee,
OH 43537-1409
PARK
TICKETS
CEDAR POINT ADULT
Point
Adult
Ticket
$38.00
Maumee,
OHAMUSEMENT
43537-1409
Treat your
friends
and family to some SUMMER FUN!
(419)
865-3600
dio
Teller:(419)
865-8880
CEDAR POINT JUNIOR/SENIOR
(under 48” tall)
$19.00
Point
Child Ticket
(419) 865-3600
website: www.cooptcu.com
Equal
Opportunity
Lender
DISCOUNTED AMUSEMENT PARK TIC
Fax (419)
865-3602
Cedar Point
Adult Ticket
Fax
(419)
865-3602
Point Senior
Ticket
(61-up)
Audio
Teller:(419)
(under 48” tall)
Cedar Point Child Ticket865-8880
Audio
Teller:(419)
865-8880
Slide (two
Cedar days)
Point Senior
Ticket (61-up)
Hours:
Ride
& SlideTuesday,
(two
days)
City
Monday,
Hours:
(Effective
Jan.Thursday
16th) 9-5
Soak
City
(Effective
Jan. 16th)
Wednesday
o Zoo Adult
Ticket
Monday,
Tuesday,
Thursday
9-5
Toledo
Zoo
Adult
Ticket
Lobby 9-12
Drive
Thru
9-5
Wednesday
o Zoo Child
Toledoor
ZooSenior
Child orTicket
Senior Ticket
$38.00
$19.00
$19.00
$71.00
$19.00
$71.00
$26.00
$26.00
$10.00
$10.00
$$7.00
7.00
Hours:
day, Tuesday, Thursday 9-5
ednesday
bby 9-12 - Drive Thru 9-5
Friday
9-6Thru 9-5
Friday
9-6
Lobby 9-12
- Drive
web site:Friday
www.cooptcu.com
9-6
b site: www.cooptcu.com
HOLIDAY
CLOSINGS
web site:
www.cooptcu.com
HOLIDAY
CLOSINGS
September
2, 2013
Labor Day
TOLEDO
TOLEDO
®
$
$
$
$
CEDAR
$$ 50.00
CEDAR POINT
POINT ADULT
ADULT 43.00
CEDAR
POINT
JUNIOR/SENIOR
$
44.00
CEDAR
POINT
RIDE
&
SLIDE
CEDAR POINT JUNIOR/SENIOR $ 25.00
CEDAR
POINT
RIDE
$$ 86.00
CEDAR
POINT
RIDE &
& SLIDE
SLIDE 79.00
SOAK
CITY
®
SOAK
CITY
$
32.00
SOAK CITY
$ 28.00
RIDE
& REFRESH
$ 56.00
®
®
TOLEDO
ZOO ADULT $ 12.00
$
TOLEDO
ZOO ADULT
TOLEDO
ZOO CHILD/SENIOR
$
TOLEDO
ZOO ADULT
CHILD/SENIOR
9.00
TOLEDO
ZOO
$$ 16.00
TOLEDO ZOO CHILD/SENIOR $ 13.00
CEDAR
POINT
AND
KINGS
ISLAND
TICKETS
BOTH
AVAILABLE
ZOO
RIDEPOINT
TICKETS
$TICKETS
1.25
CEDAR
AND
KINGS
ISLAND
FOR PURCHASE FROM OUR WEBSITE – JUST LOOK FOR THE BOTH
LINK
AND
FOLLOW
INSTRUCTIONS
FOR
PURCHASE
FROM
OUR
WEBSITE
CEDAR
POINT
TICKETS
BOTH
AVAILABLE
FOR – JUST LOO
LINKWEBSITE
AND FOLLOW
INSTRUCTIONS
PURCHASE FROM OUR
– JUST LOOK
FOR THE
HOLIDAY
October
14, 2013 CLOSINGS
Columbus
mber 2,Labor
2013
Labor
Day Day
Day
September 5, 2016
DATES
REMEMBER
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Columbus
Columbus
Day TO
OctoberDay
10, 2016 ENTER TO WIN $25.00 LINK AND FOLLOW INSTRUCTIONS
August 17, 2013 Maumee Summer Fair Sign up for E statements on Home Banking and you will automatically
YOUR CREDIT UNION...THERE TO SERVE!
DATES
TO REMEMBER
Come
check
out our booth!!
DATES TO
REMEMBER
be entered
into
a drawing
to win $25.00 that will be deposited to your
ENTER
TOTO
WIN
$25.00
Patriot
Day 8, 2013 September
11, 2016
HOW
STOP
THE
CALLS AND MAIL OFFERS
September
Grandparents
Day
savings account. With E Statements you will be able to review prior months
17, 2013 Maumee Summer Fair Sign
up
for
E
statements
on
Banking and you will au
Grandparents
Day
11, 2016
September 11,
2013 September
Patriot
Day statement activity 24 hours and 7 daysHome
a week.
To Opt Out Of Telemarketing Calls
Come check
out
our
booth!!
September
22, 2013 September
1st Day of22,
Autumn
1st
Day of Autumn
2016
be entered
into a drawing to win $25.00 that will be deposit
WWW.DONOTCALL.GOV
mber 8,National
2013 Boss’s
Day
October
31,Grandparents
2013
Halloween
Day
October 16, 2016
GRILLSIDE
GUACAMOLE
savings
account. With
E Statements
you will be able to review pr
Ingredients
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Offers
Halloween
October
31,
2016
mber 11,
2013
Patriot
Day
CO-OP FAMILY OF STAFF statement
activity
24 sliced,
hours
1 medium sweet
onion, thinly
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-August
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mber 22,Maumee
2013
1stSegura
Day
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jalapeño chiles (3 inch), cut lengthwise in half, seeded
Come
check- Assistant
out our booth!!
Angela
Seely
Manager 4 ripe large avocados (about 2 lb) cut in half, pitted and peeled
To Opt Out On Credit Card GRILLSIDE
Offers
er 31, 2013
Halloween
GUACAMOLE
Honie Sulier - Member
Service
3 plum (Roma) tomatoes, cut lengthwise in half, seeded
CO-OP
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WWW.OPTOUTPRESCREEN.COM
Ingredients
Amber Coates - Member Service 1/4 cup chopped fresh cilantro
YOUR CREDIT UNION...THERE TO SERVE!
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Jill Segura
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FRAUD
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BUYING A HOME IN A SELLERS MARKET
The Toledo Board of Realtors have released very strong and long awaited housing statistics. So far in 2016, Northwest Ohio has seen a 13% increase in home sales with a 6%
increase in sales price. Current housing inventory has dropped by 16% which indicates
now is a great time to sell. In April 2016, the National Association of Realtors reported that
pending sales are at a 10-year high. These are fantastic statistics for sellers and many of
these homeowners have been patiently waiting several years to see the market rebound.
While this information is good for sellers, how can a buyer navigate this type of market?
For the past few years buyers have certainly had the upper hand, but in this new environment it is important to adjust the home buying strategy buyers have come to know.
The first step is to get your financing in order. Getting a mortgage pre-approval before
looking at homes has always been a good idea, but in a seller's market, it is vital. Homes
can sell within 24 hours of hitting the market, therefore it's important to be ready to go. If financing is in place, a buyer can
make an offer the same day they view a home. This will certainly give the buyer an advantage over someone who still needs
to apply and get pre-approved for a loan. Secondly, it may help an offer get accepted if a buyer can provide a quick close
timeframe. Almost everyone wants to close quickly and one of the best ways to ensure that is to not only get pre-approved,
but to provide your lender any documentation they ask you for in advance. Many home buyers fail to provide all that is
needed right away and that can cause the process to be slowed down.
After getting pre-approved, the next course of action would be to find a good real estate agent. A seasoned real estate agent
will have the expertise on how to write an attractive offer and can advise on terms to avoid that make an offer less favorable. This is especially helpful when multiple buyers are bidding on a home at the same time. In that situation, many home
buyers have only one chance to bid, therefore it is important to get good advice on how and what to offer. A full time real
estate agent is constantly looking at the market, new listings, homes back on the market, and they often hear about homes
that are about to hit the market. Acting on a listing quickly can be the deciding factor in getting that home.
Finally, be patient. In a seller's market a buyer may offer on 10 to 15 houses before getting to be the winning bid. Don't give
up and don't get desperate. Desperation can lead a homebuyer to overlook property issues and possibly pay a much higher
price than even the current market would support.
For more information on getting pre-approved and help with the home buying process, feel free to contact Liz Terwilliger
with AmeriFirst Home Mortgage at 419-931-9011 with questions. We are more than happy to help anyone trying to navigate through this exciting process.
For informational purposes only and are not intended as advertisement or commitment to lend. Please contact us for an exact quote or
more information on fees and terms. Not all borrowers will qualify.
WE HAVE SEVERAL EXCITING LOAN OPTIONS FOR OUR MEMBERS
RAINY DAY LOAN
NEED MONEY FAST??? UP TO $1000 FOR 12 MONTHS AT 16%
NO CREDIT CHECK. ***CERTAIN RESTRICTIONS APPLY
FUTURE FUNDS LOAN - HAVE TROUBLE SAVING???? TAKE A
FUTURE FUNDS LOAN OUT FOR SOMETHING YOU KNOW YOU WILL
NEED IN THE FUTURE. THE TERMS AND AMOUNT ARE UP TO YOU
AND WHAT YOUR NEED IS. THE RATE IS A LOW 6% . ASK ABOUT IT
TODAY!
RECOVERING FROM IDENTITY THEFT
The Federal Trade Commission has unveiled a new web site, identitytheft.com. This
new site is a resource to help victims report and recover from identity theft. The goal
is to help the public understand which critical steps to take place if found to have fallen
victim to his faceless crime.