One GIANT step for higher returns 2 trusted names 1 GREAT deal!

A publication for members
of Interra Credit Union
December 2009
One GIANT step for
higher returns
Take one GIANT step
for higher returns with
a free My Rewards
Checking account at
Interra Credit Union.
It’s a perfect fit for you:
5.00% APY paid on balances up to $10,000
Up to $25 in ATM refunds fees nationwide!**
*
2
2 trusted names
1 GREAT deal!
1
Interra Credit Union has joined with
Sorg Dodge of Goshen and Sorg
Nissan of Warsaw to offer credit
union members exclusive vehicle
pricing and financing through
December 31.
Pricing:
1% under dealer invoice*
Those are some big shoes to fill!
It’s easy to qualify!
• Make 10 signature-based debit card purchases.
• Set up direct deposit or ACH auto debit.
• Enroll in and receive e-Statements.
What happens if you do not meet the qualifications for My
Rewards Checking?
Don’t worry. Your checking account is still free and
you can start over to earn the rewards during the next
qualification cycle. Dividends will be paid at the base rate
of .10% APY.
Continued on page 4
interracu.com • 574.534.2506 • 888.432.2848
• All in-stock 2010 Dodge,
Chrysler and Jeep vehicles at
Sorg Dodge
• All in-stock 2009 Nissans at
Sorg Nissan in Warsaw
Financing:
Rates as low as 4.50% APR,**
a .25% discount for members
• Apply at any Interra office or
online at interracu.com
• Apply for and obtain Interra
financing at either Sorg location
Continued on page 2
Free Interra Bill Pay
saves you time
and money
Pay your bills with free Interra Bill
Pay and you’ll have more time for
holiday shopping.
Take the load off where you can, by
taking care of your bills with a few
simple clicks of the mouse. Then,
you can save your energy for more
important things.
It’s easy to enroll! Just go to
“Interra Bill Pay” in Interra Online
banking and follow the prompts.
With free Interra Bill Pay, you can:
• Choose the bills and exact
amounts you want to pay.
• Pay anyone, even your dentist
or a local charity.
• Schedule one-time and
recurring payments up to one
year in advance.
• Know your information is safe
and secure.
• Save money – no stamps, no
envelopes, no checks!
To learn more, just go to interracu.com,
call Interra, or visit any office.
Free your mind and your holiday
schedule; enroll in Interra Bill Pay
and make a payment today. n
Making a list…checking it twice
Purchase from a teller at any office
• Interra Visa gift cards –
holiday designs
Denominations from
$20 – $500
• Collector coins, sets and
accessories
• Jewelry items
From $19 - $145
Education and investment
accounts
• Invest in a child’s
future – a lasting gift
Merry Christmas!
2 trusted names 1 GREAT deal (continued)
Additional details and qualifications:
• Limit two vehicles per Interra member.
• Must be an Interra member for at least 30 days
prior to purchase.
• Purchase your vehicle at Sorg Dodge or Sorg
Nissan and finance with Interra Credit Union.
Contact information:
Sorg Dodge – Chrysler – Jeep
1811 Elkhart Rd. – US 33
Goshen, IN
574.533.8605 • 800.490.0185
Sorg Nissan
2745 N. Detroit St. – SR 15
Warsaw, IN
574.267.5850
Interra
Credit Union
Website: sorgauto.com
®
Become a “fan” today!
Facebook is a registered trademark
of Facebook, Inc.
2
*Plus $75 administration fee. **Annual percentage rate
to qualified borrower. Rates and terms effective
11.25.09 and are subject to change
without notice.n
Merry
What do you “love” about Interra?
An overwhelming number of new credit union members
tell us they decided to join Interra Credit Union because
of a recommendation by a friend, family member
or coworker. Will you share your story about your
experiences at Interra Credit Union? Has a staff
member gone the extra mile for you? Do you appreciate
something about the electronic services available to
you? Have you obtained a loan that helped you buy a
home, finance a farming operation, or start a business?
What makes the credit union “different” to you? We’d
love to hear from you! You may use the space below
to tell your “story,” provide it on a separate paper or via
e-mail (see below).
The Interra Visa gift
card – the one that
always “fits”
Are you looking for just the right
holiday gift? You don’t know if
it will fit, if he or she already has
that CD or DVD, the latest game
or the newest coffee pot. Give the
“gift of choice” this year – a Visa
gift card from Interra Credit Union.
Name(s)_____________________________________________
Address_____________________________________________
City/State/Zip________________________________________
Phone_______________________________________________
How long have you been a member at Interra?_________
Your story: _ ________________________________________
____________________________________________________
____________________________________________________
____________________________________________________
____________________________________________________
____________________________________________________
Unlike specific retail store gift
cards, you can use the gift card
at a variety of locations and for
countless purposes – almost
anywhere you see the Visa
logo displayed.
Interra gift cards are available in
denominations from $20 to $500.
You can purchase cards at any
Interra office. While supplies last,
you can select gift card holders
and even greeting cards, at no
charge.
____________________________________________________
Please deliver or mail it to any Interra office, or fax it to
574.975.3206. You may also e-mail the information to
[email protected]. n
Thank you!
Make someone happy with a Visa
gift card from Interra Credit Union! n
y Christmas & Happy New Year
3
My Rewards Checking (continued)
What if the account balance is below $10,000?
You’re in luck! The rate applies to any balance
up to $10,000.
What if the account balance is above $10,000?
Sign up for e-mail
updates at
interracu.com
You’ll still earn 1.50% APY – a significantly higher rate
than the regular checking account rate – on balances
over $10,000.
What are the ATM refunds?
The refunds include surcharge and foreign transaction fees.
Open your My Rewards Checking account today!
• If you already have an Interra checking account,
you’ll keep the same account number and checks.
Just call or stop by any Interra office or get started
at interrarewards.com.
• If you are not an Interra member, please visit any
of the ten convenient offices, or get started at
interrarewards.com. n
*
Annual percentage yield. 5.00% APY paid on balances up to $10,000 and
1.50% APY paid on balances over $10,000 if qualifications are met. Rates
effective October 19, 2009 and subject to change without notice. **Refunds
up to $25 per cycle if account qualifications are met. Patent pending BancVue
UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT NOTICE:
Federal laws require that you be provided with notice under the referenced Act. Your
Credit Union Membership Agreement (together with other agreements regarding such
account/transaction activity with us) currently contain the following provision – language
that is in bold text is new and is being added to comply with the referenced Act and its
implementing regulations. Transactions through third parties such as VISA, MasterCard
and NACHA will also be affected by this law.
Inappropriate and/or Gambling Transactions. You warrant and agree that you will not
use any Credit Union accounts or services, including but not limited to loans, to make
or facilitate any illegal transaction(s) as determined by applicable law; and that any such
use, including any such authorized use, will constitute a breach of this Agreement.
Certain federal and/or state laws such as the Unlawful Internet Gambling Enforcement
Act or Third Party Service Providers’ Rules may limit or prohibit certain transactions such
as (but not limited to) those coded as possible gambling transactions. The Credit Union
may decline to accept, process or pay any transaction that we believe to be illegal or
unenforceable (regarding your obligation to pay us or otherwise) under applicable law;
or which is otherwise limited or prohibited, including but not limited to any transaction
involving or relating to any gambling activity. Such prohibition or limitations may affect
some otherwise proper or allowable transactions such as debits, charges or other
transactions at or relating to a hotel-casino. You understand and agree such limitations/
prohibitions are not within the Credit Union’s control and that the Credit Union will not
have any liability, responsibility or culpability whatsoever for any such use by you or any
authorized user(s); or for declining to accept, process, or pay any such transaction. You
further agree to indemnify and hold the Credit Union harmless from any suits, liability,
damages or adverse action of any kind that results directly or indirectly from any such
use of your account and/or access devices.
4
Main Office • 300 W. Lincoln Ave., Goshen
College Green • 1501 College Ave., Goshen
Monroe • 1010 E. Monroe St., Goshen
Peddlers Crossing • 2410 Peddlers Village Rd., Goshen
Elkhart • 1139 CR 17
Middlebury • 106 Crystal Heights Blvd.
Millersburg • 113 W. Washington St.
Nappanee • 700 N. Tomahawk Trail
New Paris • 68299 CR 23
Wakarusa • 66685 SR 19
[email protected]
Holiday
hours
Thursday,
December 24
CHRISTMAS EVE
All Interra offices
will close at
12:00 noon
Friday, December 25
CHRISTMAS DAY
All Interra offices will be closed
Saturday, December 26
All Interra offices will be open
regular business hours
Thursday, December 31
NEW YEAR’S EVE
All Interra offices will be open
regular business hours
Friday, January 1
NEW YEAR’S DAY
All Interra offices will be closed
Saturday, January 2
All Interra offices will be open
regular business hours
American
Share
Insurance
Your deposits are insured up to
$250,000 per account. By members’
choice, this institution is not
federally insured.