April 2015 - Best Financial Credit Union

w w w. b e s t f i n a n c i a l c u . o r g
APRIL 2015
Let’s Be Social
We invite you to find and follow us online:
• Twitter – @bestfinancialcu
• Facebook – Best Financial Credit Union
• Instagram – BestFinancialCU
60
th
ar y
Annivers
015
1955 - 2
2015 SCHOLARSHIPS AVAILABLE
Best Financial Credit Union will be awarding two
$1,250 Scholarships, available to graduating seniors
and his/her most influential teachers. $1,000 will be
presented to the student, and $250 to the teacher for
use in their classroom. If you wish to
apply for the scholarship, you have
until April 15, 2015, to submit your
entry to the Credit Union. Please
contact the Credit Union or visit
your school’s guidance office for
an application. Best of luck!
R
It’s like
O
Perfect for Anyone
and Any Occasion!
VISA gift cards can be used anywhere that
accepts VISA. They’re great for weddings,
birthdays, Mother’s day, Father’s Day, and
graduations too! Stock up on VISA gift cards
by visiting your credit union today.
O
your money
P
took up
mountain climbing.
BFCU Routing and Transit Number
272483316
F
It’s Our 60th
Anniversary
and the Celebration Continues!
We’ve given out our first FREE hotel stay,
and there are still five more left to give
away! Are you turning 60 in 2015? Do you
have a “60” in your BFCU debit or credit
card account number?
WE HAVE POWERFUL SAVINGS FOR YOUR
Powersport
Vehicle Purchase!
Best Financial Credit Union has partnered with
Babbitt’s, America’s #1 Powersports Dealer, in order to
help members make the most out of their powersport
vehicle purchase. Now, when you finance a powersport
or recreational vehicle purchase of $5,000 or more with
BFCU through June 30, 2015,
Contact us today to find out if you qualify
for the current hotel stay giveaway!
YOU WILL RECEIVE A
Win a
To check out our amazing low rates and to apply for a
powersport or recreational vehicle loan today, visit us
online at www.bestfinancialcu.org, or stop by the Credit
Union and we’ll be happy to assist you in person.
$60.00 GIFT CARD TO BABBITT’S!
Monday, Tuesday, Friday..................... 9:00a.m. - 5:00 p.m.
Wednesday....................................... 10:00 a.m. - 5:00 p.m.
Thursday............................................. 9:00 a.m. - 6:00 p.m.
Saturday........................................... 9:00 a.m. - 12:00 p.m.
Miss Buttons ................................................. 855.726.9013
Lost or Stolen Cards
With Meemic, you can
save big on Auto, Home,
Life, Health, Motorcycle
Insurance, and more!
Debit MasterCard®......................................... 800.236.2442
VISA®.............................................................. 888.241.2510
How high can your interest rate
go? Free Kasasa checking lets
you earn way above the national
average. And there’s no minimum
balance to earn our highest rates.*
www.bestfcu.org
*Qualifications
by account.
transactions
take
one
or more
daystotothepost
and settle
thedoaccount
*Qualifications
vary byvary
account.
Account Account
transactions
and activitiesand
mayactivities
take one ormay
more
days
to post
and settle
account
and all to
must
so
during
Qualification
order to qualify
for the account’s
followingfor
activities
do not count
toward earning
account rewards:
andtheallMonthly
must do
so duringCycle
theinMonthly
Qualification
Cycle rewards.
in orderThe
to qualify
the account’s
rewards.
The following
activities
ATM-processed
transactions,
transfersaccount
betweenrewards:
accounts, ATM-processed
debit and credit cardtransactions,
purchases processed
by merchants
and receiveddebit
by BFCU
as
ATM card
or
do
not
count
toward
earning
transfers
between
accounts,
and
credit
PIN-based, signature based transactions and purchases made with non-BFCU issued debit or credit cards. “Monthly Qualification Cycle” means a period
purchases
processed
andcurrent
received
by BFCU
as ATMoneor(1)PIN-based,
transactions
and purchases
beginning
one (1)
day prior toby
themerchants
first day of the
statement
cycle through
day prior to signature
the close ofbased
the current
statement cycle.
Rewards
vary
by account.
Depending on
what Kasasa
account
open, you
will receive
the followingCycle”
rewards means
when youa meet
yourbeginning
account’s qualifications
made
with non-BFCU
issued
debit or
credityoucards.
“Monthly
Qualification
period
one (1) dayduring
prior
a Monthly
Qualification
Intereststatement
on your checking
balances (Kasasa
Reimbursements
Amazon.com
& Google
PlayRewards
purchasesvary
to the first
day of Cycle:
the current
cycle through
one (1)Cash),
day prior
to the closeforofiTunes,
the current
statement
cycle.
(Kasasa Tunes). When your Kasasa account qualifications are not met, reward distributions are not made. Rewards will be credited to your Kasasa account
Depending
onRates
whatand
Kasasa
account
youand
open,
willafter
receive
theis following
rewards
when
you meet
your
account’s
on by
the account.
last day of Statement
Cycle.
rewards
are variable
mayyou
change
account
opened. Fees
may reduce
earnings.
Account
approval,
conditions,
qualifications,
timeframes,
enrollments, Cycle:
log-ons Interest
and otheron
requirements
apply. $50
minimum
deposit Cash),
is required
to open the account.
qualifications
duringlimits,
a Monthly
Qualification
your checking
balances
(Kasasa
Reimbursements
Monthly
ACH debit,
enrollment in&
online
banking,
of electronic
statements
mayWhen
be conditions
of theseaccount
accounts.qualifications
Enrollment in electronic
for iTunes,
Amazon.com
Google
Playreceipt
purchases
(Kasasa
Tunes).
your Kasasa
are notservices
met,
(e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit [1] account per social security
reward
distributions
are
not
made.
Rewards
will
be
credited
to
your
Kasasa
account
on
the
last
day
of
Statement
Rates
number. There are no recurring monthly service charges or fees to open or close this account. Contact a BFCU member service representativeCycle.
for additional
information,
details,are
restrictions,
and enrollment
insured
by NCUA.
iTunesAccount
is a registered
trademark
of Apple,
and rewards
variableprocessing
and maylimitations
change after
account instructions.
is opened.Federally
Fees may
reduce
earnings.
approval,
conditions,
Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not
qualifications,
limits,of timeframes,
participants
in or sponsors
this program. enrollments, log-ons and other requirements apply. $50 minimum deposit is required to
open the account. Monthly ACH debit, enrollment in online banking, receipt of electronic statements may be conditions of
these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to
meet some of the account’s qualifications. Limit [1] account per social security number. There are no recurring monthly service
charges or fees to open or close this account. Contact a BFCU member service representative for additional information, details,
restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of
Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc.,
Amazon.com and Google are not participants in or sponsors of this program.
Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.
Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.
County Teachers Insurance Agency............... 231.733.1329
BFCU Routing and Transit Number.................... 272483316
NMLS Number.......................................................... 799647
New Teacher Discount | Safe Driver Discount
PAID IN FULL DISCOUNT
Senior Discount | Multi-Policy Discount
PRIOR CARRIER DISCOUNT
Stop in for a FREE quote
April 1, 2015, through
June 30, 2015, and get
entered to win a GoPro!
Visit www.bestfinancialcu.org
to learn more.
*APR=Annual Percentage Rate. Quoted rate is the lowest rate. Your rate will
be based on your credit history and may be higher. Rates and terms subject to
change without notice.
Annual Meeting Reminder
The 2015 Annual Meeting is just around the corner,
and you’re invited to attend! The meeting will be
held Monday, April 27, 2015, at 6:00 p.m. inside Best
Financial CU’s lobby. We hope you will plan to join us!
Apply for the
National Credit Union
Youth Month
BEST of the BEST
5
April 1 - 30, 2015
As we celebrate National Credit Union Youth Month, Best
Financial Credit Union is excited for the opportunity to guide
our young members through the jungle of personal finance and
to help them get Wild about Savings! We invite you to bring your
child in to the Credit Union during the month of April to get in
on the action. If they don’t have a BFCU account of their own
yet, it will be the perfect opportunity for them to open one.
Tips to Help You Save for
Retirement
We offer fun youth accounts for kids of all ages!
Holiday
Closings
Memorial Day
Monday, May 25
Independence Day
Saturday, July 4
Zoogles Savings Club
Account for children 6 years
old and younger
Did you know that most people
spend approximately one third of their
lives in retirement?
Super Savers Account
for children and preteens
between 7 and 12 years old
Next Gen Account
for teens between
13 and 17 years old
All of our youth accounts are fee-free and offer fun saving incentives!
$5 and social security card are needed to open any youth account.
Come see us during Youth Month to learn more and to celebrate this
special occasion with us.
Make sure you’re taking the steps necessary to live
comfortably during those years. Here are five tips to
help you keep your retirement plan on track:
1.
Don’t leave free money on the table. If your
employer offers a contribution match in your
retirement plan, make sure you take full advantage
of it.
2.
Don’t make investment decisions based on
news headlines. The media has a way of
making mountains out of molehills; speak with
your Financial Professional before making any
hasty decisions.
3.
Seek professional advice. Unless you are an
experienced financial advisor, it’s important
to consult a professional to help you establish a
financial plan for your future.
Best Financial
Is Hosting a
Toy Sale!
Do you have a boat, RV or powersport vehicle to sell? Bring it to the
Credit Union on Saturday, May 30, 2015, to join us in our big toy sale!
We’ll be open from 9:00 a.m. to 2:00 p.m. for members to come sell,
shop or simply browse the selection.
If you would like to participate as a seller, please RSVP to the loan
department at 231.733.1329, ext. 124 or [email protected] and let us
know what you will be bringing.
We hope to see you there!
4.
Avoid taking non-emergency funds from
your retirement account. Anytime you take
an early withdrawal from your retirement account,
you risk taking a double taxation on your loan
interest.
5.
Calculate how much you will need in
retirement. It’s a lot harder to create an
effective savings plan if you don’t actually know
what your goal is. There are online calculators and
Financial Professionals available to help.
Stop by the branch and see our M3 Retirement/
Investments Professionals, Bob Koekkoek and Paul
Dickinson, for information on your current financial
situation and what we can do to help.
Bob Koekkoek
231-733-1329 ext. 117
Paul Dickinson
231-733-1329 ext. 145
A VISA from Best Financial
Credit Union offers the
best in savings, benefits,
features, and more! When
you apply for a BFCU VISA,
you’ll enjoy:
GOL
D
PLATINUM
RATES AS LOW AS
5.99%
APR*
NO ANNUAL FEES • A 25-DAY
GRACE PERIOD • WORLDWIDE PURCHASING POWER
And if that’s not enough to get you excited about
our VISA cards, just wait until you hear the rest.
For every purchase you make between now and
June 30, 2015, your name will be entered in a
drawing for your chance to:
WIN A $250 SOUTHWEST GIFT CARD!
Simply swipe our VISA Platinum to earn one
entry for each purchase you make or swipe
our VISA Gold to earn five entries for each
purchase you make. What are you waiting for?
Visit www.bestfinancialcu.org or stop by the
Credit Union to apply for the Best VISA and
for your chance to win a $250 Southwest gift
card today!
*APR=Annual Percentage Rate. Quoted rate is the lowest available rate. Your
rate will be based on our credit history and may be higher. Rates and terms
subject to change without notice
IRA Contributions
Helping you reach your financial goals for
retirement is important to us here at Best
Financial Credit Union. That’s why we are
pleased to offer easy, tax-advantaged savings
options to help you grow your nest egg. We offer
both Traditional IRAs and Roth IRAs, so we’re
sure to have an account that’s just right for you.
Simply contact a member service representative
to learn more about your options – we’ll help
you choose the right retirement account for you
and your circumstances.
Already have an IRA? You have until April 15,
2015, to contribute to your 2014 IRA. Please
be sure to specify you are making a 2014
contribution.
Apply for the
National Credit Union
Youth Month
BEST of the BEST
5
April 1 - 30, 2015
As we celebrate National Credit Union Youth Month, Best
Financial Credit Union is excited for the opportunity to guide
our young members through the jungle of personal finance and
to help them get Wild about Savings! We invite you to bring your
child in to the Credit Union during the month of April to get in
on the action. If they don’t have a BFCU account of their own
yet, it will be the perfect opportunity for them to open one.
Tips to Help You Save for
Retirement
We offer fun youth accounts for kids of all ages!
Holiday
Closings
Memorial Day
Monday, May 25
Independence Day
Saturday, July 4
Zoogles Savings Club
Account for children 6 years
old and younger
Did you know that most people
spend approximately one third of their
lives in retirement?
Super Savers Account
for children and preteens
between 7 and 12 years old
Next Gen Account
for teens between
13 and 17 years old
All of our youth accounts are fee-free and offer fun saving incentives!
$5 and social security card are needed to open any youth account.
Come see us during Youth Month to learn more and to celebrate this
special occasion with us.
Make sure you’re taking the steps necessary to live
comfortably during those years. Here are five tips to
help you keep your retirement plan on track:
1.
Don’t leave free money on the table. If your
employer offers a contribution match in your
retirement plan, make sure you take full advantage
of it.
2.
Don’t make investment decisions based on
news headlines. The media has a way of
making mountains out of molehills; speak with
your Financial Professional before making any
hasty decisions.
3.
Seek professional advice. Unless you are an
experienced financial advisor, it’s important
to consult a professional to help you establish a
financial plan for your future.
Best Financial
Is Hosting a
Toy Sale!
Do you have a boat, RV or powersport vehicle to sell? Bring it to the
Credit Union on Saturday, May 30, 2015, to join us in our big toy sale!
We’ll be open from 9:00 a.m. to 2:00 p.m. for members to come sell,
shop or simply browse the selection.
If you would like to participate as a seller, please RSVP to the loan
department at 231.733.1329, ext. 124 or [email protected] and let us
know what you will be bringing.
We hope to see you there!
4.
Avoid taking non-emergency funds from
your retirement account. Anytime you take
an early withdrawal from your retirement account,
you risk taking a double taxation on your loan
interest.
5.
Calculate how much you will need in
retirement. It’s a lot harder to create an
effective savings plan if you don’t actually know
what your goal is. There are online calculators and
Financial Professionals available to help.
Stop by the branch and see our M3 Retirement/
Investments Professionals, Bob Koekkoek and Paul
Dickinson, for information on your current financial
situation and what we can do to help.
Bob Koekkoek
231-733-1329 ext. 117
Paul Dickinson
231-733-1329 ext. 145
A VISA from Best Financial
Credit Union offers the
best in savings, benefits,
features, and more! When
you apply for a BFCU VISA,
you’ll enjoy:
GOL
D
PLATINUM
RATES AS LOW AS
5.99%
APR*
NO ANNUAL FEES • A 25-DAY
GRACE PERIOD • WORLDWIDE PURCHASING POWER
And if that’s not enough to get you excited about
our VISA cards, just wait until you hear the rest.
For every purchase you make between now and
June 30, 2015, your name will be entered in a
drawing for your chance to:
WIN A $250 SOUTHWEST GIFT CARD!
Simply swipe our VISA Platinum to earn one
entry for each purchase you make or swipe
our VISA Gold to earn five entries for each
purchase you make. What are you waiting for?
Visit www.bestfinancialcu.org or stop by the
Credit Union to apply for the Best VISA and
for your chance to win a $250 Southwest gift
card today!
*APR=Annual Percentage Rate. Quoted rate is the lowest available rate. Your
rate will be based on our credit history and may be higher. Rates and terms
subject to change without notice
IRA Contributions
Helping you reach your financial goals for
retirement is important to us here at Best
Financial Credit Union. That’s why we are
pleased to offer easy, tax-advantaged savings
options to help you grow your nest egg. We offer
both Traditional IRAs and Roth IRAs, so we’re
sure to have an account that’s just right for you.
Simply contact a member service representative
to learn more about your options – we’ll help
you choose the right retirement account for you
and your circumstances.
Already have an IRA? You have until April 15,
2015, to contribute to your 2014 IRA. Please
be sure to specify you are making a 2014
contribution.
w w w. b e s t f i n a n c i a l c u . o r g
APRIL 2015
Let’s Be Social
We invite you to find and follow us online:
• Twitter – @bestfinancialcu
• Facebook – Best Financial Credit Union
• Instagram – BestFinancialCU
60
th
ar y
Annivers
015
1955 - 2
2015 SCHOLARSHIPS AVAILABLE
Best Financial Credit Union will be awarding two
$1,250 Scholarships, available to graduating seniors
and his/her most influential teachers. $1,000 will be
presented to the student, and $250 to the teacher for
use in their classroom. If you wish to
apply for the scholarship, you have
until April 15, 2015, to submit your
entry to the Credit Union. Please
contact the Credit Union or visit
your school’s guidance office for
an application. Best of luck!
R
It’s like
O
Perfect for Anyone
and Any Occasion!
VISA gift cards can be used anywhere that
accepts VISA. They’re great for weddings,
birthdays, Mother’s day, Father’s Day, and
graduations too! Stock up on VISA gift cards
by visiting your credit union today.
O
your money
P
took up
mountain climbing.
BFCU Routing and Transit Number
272483316
F
It’s Our 60th
Anniversary
and the Celebration Continues!
We’ve given out our first FREE hotel stay,
and there are still five more left to give
away! Are you turning 60 in 2015? Do you
have a “60” in your BFCU debit or credit
card account number?
WE HAVE POWERFUL SAVINGS FOR YOUR
Powersport
Vehicle Purchase!
Best Financial Credit Union has partnered with
Babbitt’s, America’s #1 Powersports Dealer, in order to
help members make the most out of their powersport
vehicle purchase. Now, when you finance a powersport
or recreational vehicle purchase of $5,000 or more with
BFCU through June 30, 2015,
Contact us today to find out if you qualify
for the current hotel stay giveaway!
YOU WILL RECEIVE A
Win a
To check out our amazing low rates and to apply for a
powersport or recreational vehicle loan today, visit us
online at www.bestfinancialcu.org, or stop by the Credit
Union and we’ll be happy to assist you in person.
$60.00 GIFT CARD TO BABBITT’S!
Monday, Tuesday, Friday..................... 9:00a.m. - 5:00 p.m.
Wednesday....................................... 10:00 a.m. - 5:00 p.m.
Thursday............................................. 9:00 a.m. - 6:00 p.m.
Saturday........................................... 9:00 a.m. - 12:00 p.m.
Miss Buttons ................................................. 855.726.9013
Lost or Stolen Cards
With Meemic, you can
save big on Auto, Home,
Life, Health, Motorcycle
Insurance, and more!
Debit MasterCard®......................................... 800.236.2442
VISA®.............................................................. 888.241.2510
How high can your interest rate
go? Free Kasasa checking lets
you earn way above the national
average. And there’s no minimum
balance to earn our highest rates.*
www.bestfcu.org
*Qualifications
by account.
transactions
take
one
or more
daystotothepost
and settle
thedoaccount
*Qualifications
vary byvary
account.
Account Account
transactions
and activitiesand
mayactivities
take one ormay
more
days
to post
and settle
account
and all to
must
so
during
Qualification
order to qualify
for the account’s
followingfor
activities
do not count
toward earning
account rewards:
andtheallMonthly
must do
so duringCycle
theinMonthly
Qualification
Cycle rewards.
in orderThe
to qualify
the account’s
rewards.
The following
activities
ATM-processed
transactions,
transfersaccount
betweenrewards:
accounts, ATM-processed
debit and credit cardtransactions,
purchases processed
by merchants
and receiveddebit
by BFCU
as
ATM card
or
do
not
count
toward
earning
transfers
between
accounts,
and
credit
PIN-based, signature based transactions and purchases made with non-BFCU issued debit or credit cards. “Monthly Qualification Cycle” means a period
purchases
processed
andcurrent
received
by BFCU
as ATMoneor(1)PIN-based,
transactions
and purchases
beginning
one (1)
day prior toby
themerchants
first day of the
statement
cycle through
day prior to signature
the close ofbased
the current
statement cycle.
Rewards
vary
by account.
Depending on
what Kasasa
account
open, you
will receive
the followingCycle”
rewards means
when youa meet
yourbeginning
account’s qualifications
made
with non-BFCU
issued
debit or
credityoucards.
“Monthly
Qualification
period
one (1) dayduring
prior
a Monthly
Qualification
Intereststatement
on your checking
balances (Kasasa
Reimbursements
Amazon.com
& Google
PlayRewards
purchasesvary
to the first
day of Cycle:
the current
cycle through
one (1)Cash),
day prior
to the closeforofiTunes,
the current
statement
cycle.
(Kasasa Tunes). When your Kasasa account qualifications are not met, reward distributions are not made. Rewards will be credited to your Kasasa account
Depending
onRates
whatand
Kasasa
account
youand
open,
willafter
receive
theis following
rewards
when
you meet
your
account’s
on by
the account.
last day of Statement
Cycle.
rewards
are variable
mayyou
change
account
opened. Fees
may reduce
earnings.
Account
approval,
conditions,
qualifications,
timeframes,
enrollments, Cycle:
log-ons Interest
and otheron
requirements
apply. $50
minimum
deposit Cash),
is required
to open the account.
qualifications
duringlimits,
a Monthly
Qualification
your checking
balances
(Kasasa
Reimbursements
Monthly
ACH debit,
enrollment in&
online
banking,
of electronic
statements
mayWhen
be conditions
of theseaccount
accounts.qualifications
Enrollment in electronic
for iTunes,
Amazon.com
Google
Playreceipt
purchases
(Kasasa
Tunes).
your Kasasa
are notservices
met,
(e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit [1] account per social security
reward
distributions
are
not
made.
Rewards
will
be
credited
to
your
Kasasa
account
on
the
last
day
of
Statement
Rates
number. There are no recurring monthly service charges or fees to open or close this account. Contact a BFCU member service representativeCycle.
for additional
information,
details,are
restrictions,
and enrollment
insured
by NCUA.
iTunesAccount
is a registered
trademark
of Apple,
and rewards
variableprocessing
and maylimitations
change after
account instructions.
is opened.Federally
Fees may
reduce
earnings.
approval,
conditions,
Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not
qualifications,
limits,of timeframes,
participants
in or sponsors
this program. enrollments, log-ons and other requirements apply. $50 minimum deposit is required to
open the account. Monthly ACH debit, enrollment in online banking, receipt of electronic statements may be conditions of
these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to
meet some of the account’s qualifications. Limit [1] account per social security number. There are no recurring monthly service
charges or fees to open or close this account. Contact a BFCU member service representative for additional information, details,
restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. iTunes is a registered trademark of
Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc.,
Amazon.com and Google are not participants in or sponsors of this program.
Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.
Kasasa and Kasasa Cash are trademarks of BancVue, Ltd., registered in the U.S.A.
County Teachers Insurance Agency............... 231.733.1329
BFCU Routing and Transit Number.................... 272483316
NMLS Number.......................................................... 799647
New Teacher Discount | Safe Driver Discount
PAID IN FULL DISCOUNT
Senior Discount | Multi-Policy Discount
PRIOR CARRIER DISCOUNT
Stop in for a FREE quote
April 1, 2015, through
June 30, 2015, and get
entered to win a GoPro!
Visit www.bestfinancialcu.org
to learn more.
*APR=Annual Percentage Rate. Quoted rate is the lowest rate. Your rate will
be based on your credit history and may be higher. Rates and terms subject to
change without notice.
Annual Meeting Reminder
The 2015 Annual Meeting is just around the corner,
and you’re invited to attend! The meeting will be
held Monday, April 27, 2015, at 6:00 p.m. inside Best
Financial CU’s lobby. We hope you will plan to join us!