M O N E Y T A L... Parthenon Federal Credit Union 13

JULY 2013
Parthenon Federal Credit Union
MONEY TALKS
JULY 2013
IMPORTANT DATES:
FUN IN THE SUN
Have a safe summer
Ready to have fun in the sun but find
yourself short on cash? PFCU is extending our vacation loan special. Take advantage of a 1% discount off your normal qualifying rate with a PFCU vacation loan. Call PFCU and start your vacation today! 615-749-6461
CLOSED Independence
Day
CLOSED Labor Day
July
4-5
Sep.
2
Sizzling Summer Savings
Used Auto Sales Event brought to you by
Parthenon FCU and Enterprise Car Sales
Membership Services
Parthenon Federal Credit Union is serving
up all your financial needs. Credit unions
aren’t just for checking and savings. In fact,
you can rely on Parthenon Federal Credit
Union for a full line of financial products,
without sacrificing our legendary friendly
service.
ENTERPRISE CAR SALES and Parthenon FCU have
teamed up to give a
SIZZLING SUMMER
offer for
PFCU members July 19—31, 2013. Come to Parthenon
FCU and get pre-approved for a car loan then go to Enterprise Car Sales between those dates. Enterprise will
make your first 2 payments up to $500 or receive $500+
KellEY Blue Book on your trade-in.
Rates continue to be at an all time low. Now is the perfect time to find that new car and finance it with your
credit union. PFCU is currently offering rates as
as 2.00*.
low
For example, if you finance $17,000 for a
new car at 2.00% APR for 60 months your monthly payment is $298.00**. If you have your car financed at another institution, check with a loan officer to see if we
can refinance at PFCU and lower your payment.
Visit parthenonfcu.org and fill out an online loan application to get your pre-approval started. While visiting
our website click on the Enterprise link at the bottom of
the page to view their wide variety of premium used
autos or visit Enterprise Car Sales at 1495 Gallatin Pike
North, Nashville TN 37115.
*Normal credit approval and member discounts apply
**This is an ESTIMATE only. Exact payment amount determined by
credit rating, term, and add on features.
Membership with Parthenon Federal Credit
Union can help you through all of life’s
phases—from buying a new car, or a first
time home, to setting up retirement, or a
vacation loan. We’ll be there every step of
the way.
Loans: New & used car loans, 1st & 2nd
mortgages, HELOC’s (home equity lines of
credit), signature loans, lines of credit, Visa
credit cards, vacation loans, and more.
Savings: Regular Savings, Lullaby Club
(for infants), Kirby Kangaroo Club, CU Succeed savings (teen through college), IRA’s,
Certificate of Deposits, Money Market Accounts, Checking Accounts, Christmas and
Vacation Clubs.
Other Services: free online banking, bill
pay, audio teller, direct deposit, free notary
service to our members, discount movie
tickets, postage stamps, money orders, Visa
gift cards.
Parthenon Federal Credit Union has
been serving its credit union members
for over 70 years. Come by and see
how else we may serve your financial
needs!
July 2013
P a r t he n o n F e d e r a l C r e d i t U n i o n
Dividend Rates
Parthenon Federal Credit
Union
201 8th Ave. South
Certificate of Deposit
Deposit Rates*
Effective 6/30/2013
Type
P.O. Box 801
(Minimum deposit $500.00)
Nashville, TN 37203
(Rates as of 6/30/2013
Rate
APY**
Type
Rate
APY**
Regular Shares
0.15%
0.150%
90 Days
0.15%
0.15%
Special Shares
0.25%
0.250%
6 Months
0.20%
0.20%
IRA Shares
0.35%
0.351%
12 Months
0.20%
0.20%
Share Drafts
0.01%
0.010%
18 Months
0.25%
0.25%
Money Market
0.25%
0.250%
24 Months
0.40%
0.40%
Christmas Club
0.20%
0.200%
30 Months
0.40%
0.40%
Vacation Club
0.20%
0.200%
3 Years
0.50%
0.50%
4 Years
0.60%
0.60%
5 Years
0.70%
0.70%
Phone: 615-749-6461
Audio Response:
615-749-6201
www.parthenonfcu.org
Hours:
Mon.—Thurs.
8:00 a.m.—4:00 p.m.
Friday: 7:30 am—4:00 pm
$50.00 minimum balance is required in share account to open certificate account.
Payday Certificates are available. Minimum deposit is $100.00 and a total monthly deposit of $100.00 is required through payroll deduction.
*Rates subject to change at any time.
**APY=Annual Percentage Yield
Loan Rates
NEW & USED AUTO
HOME EQUITY LINE OF CREDIT
Financing
Annual Percentage Rate
Loan-to-Value
Up to 36 months
as low as 2.00% to 18.00%**
80%
$50,000
Prime Rate
37 to 60 months
as low as 2.25% to 18.00%**
90%
$25,000
Prime + 1
72 months*
as low as 2.75% to 16.25%**
95%
$15,000
Prime + 3
*(amounts exceeding $30,000)
Maximum Limit
Rate*
*Maximum rate = 13%. Minimum rate=5.00%
Rates tied to Prime and may change at any time
LINES OF CREDIT
12.00% TO 16.00%**APR
.032677 TO .043836% daily periodic rate
**Rate based on credit performance
Rate changes: The annual percentage rate can
change semi-annually on the first day of January
and July. There is no limit on the amount by
which the annual percentage rate can change during any one year period.
And member discounts
Free Up Cash—Refinance Your Auto
If you’re strapped with a hefty car payment at a bank it might be time to refinance your auto loan
with us. We have rates as low as 2.00%*.

Lower your monthly payments and free up some cash*

Pay less interest for your car over the course of your loan.

Get the convenience of having your auto loan at the credit union.
Even if the interest rate on your auto loan only goes down a percentage point or two*, the money you save really
adds up. And the convenience of payroll deduction makes for hassle-free car payments.
STOP IN OR CALL TODAY TO FIND OUT HOW REFINANCING AT THE CREDIT UNION CAN BENEFIT YOU!
*Credit approval and member discounts apply