For What It's Worth - Landmark Credit Union
Transcription
For What It's Worth - Landmark Credit Union
Worth For What It’s January 2015 | Volume 45 | Issue 1 LANDMARK CREDIT UNION MEMBER NEWSLETTER Save Money in the New Year! Take advantage of these consolidation tools. Details inside. In this issue... From the President Page 2 Tax Resources Page 3 Tablet Apps Page 4 From the President by Jay Magulski In 2014, the Landmark Credit Union team found new ways to better serve our members while we continued to grow. We completed our previously announced acquisition of Hartford Savings Bank, adding three new branch locations. We also remodeled our New Berlin branch and relocated our Burlington branch to a new site – adding more convenience and visibility. We now have 32 branch locations to serve our members in Southern Wisconsin. We retained our number 1 ranking as the top auto lender in Southeastern Wisconsin. Our focus on consumer education remained strong – offering many seminars on topics such as home buying, investments, and understanding and managing your credit rating. We continued to consistently offer very favorable rates on loans and deposits along with products and services that have no or low fees. We introduced a cash back credit card that allows members to earn up to 1.25% on their purchases, as well as a referral program that can reward our members up to $500 annually for referring family and friends to Landmark. Your Landmark team consistently focuses on executing our brand promise – which is to bring consistent value and convenience to our members. On behalf of our 575 associates, we sincerely thank you for your business and allowing us to continue to demonstrate that “You’re worth more here.” We continued to invest in technology solutions that allow our members to conduct their banking with us when, where and how they choose. We also continued to leverage internal technology solutions and streamline processes in order to remain efficient and cost effective. FREE Financial Education Seminars investment seminar what you need to know about social security An informational meeting about Social Security benefit options and how they may influence your retirement decisions. Guest Speaker: Matthew Craig Vice President - Regional Sales Manager at Prudential Financial Thurs., January 22, 2015 6:30 p.m. Country Springs Hotel Meadowbrook Room 2810 Golf Road Pewaukee, WI 53072 Please call (262) 796-4515 by January 15th to register! Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Landmark Credit Union and Landmark Investment Center are not registered broker/ dealers and are not affiliated with LPL Financial. Matthew Craig, Landmark Investment Center and LPL Financial are separate entities. Not NCUA Insured No Credit Union Guarantee May Lose Value PAGE TWO • FOR WHAT IT’S WORTH first-time home buyer seminarS Please join us to learn more about the different types of home loan programs and receive tips from realtors and home inspectors, along with a free workbook. Tues., February 10, 2015 6:30 p.m. - 8:00 p.m. Landmark Credit Union 9515 W. National Avenue West Allis, WI 53227 Please call (262) 796-4500, ext. 3593 to register for this location. 82nd Annual Meeting Notice Tuesday, March 10, 2015 2:00 p.m. Administrative Offices 5445 S. Westridge Dr. New Berlin, WI 53151 All members are invited! Receive Landmark’s 2014 progress report. The terms of three directors are expiring. The Nominating Committee has proposed the following to fill threeyear terms Ron Kase, Director since 1976 Brian Dorow, Director since 2005 Grace Kostroski, Director since 2005 Landmark Credit Union 4000 S. 27th St. Miilwaukee, WI 53221 You are hereby advised of your right under Article V, Section 4 of the Credit Union’s bylaws to submit to the Chairperson on or before January 23, 2015 a petition requesting your nomination as a nominee to the Credit Union’s Board of Directors. Your petition must be signed by at least one hundred (100) members eligible to vote at meetings of the members of the Credit Union. If no member submits a petition, the Chairperson shall take a voice vote or declare each nominee elected by acclamation at the annual meeting and there shall be no election by mail ballot. Please call (262) 796-4500, ext. 3019 to register for this location. Mark your calendar and join us! Wed., February 18, 2015 6:30 p.m. - 8:00 p.m. Save Money in the New Year! Everyone could use a little extra savings in the new year. These two great consolidation tools might be just what you need for a happier 2015. Tax Resources • 2400 N. Grandview Blvd. Waukesha 9515 W. National Ave. West Allis Home Equity Line of Credit 1.99% 3.99% APR1 Locked until January 2016! Regular rate APR No closing costs.2 No annual fees. •Turbo Tax landmarkcu.com Cash Back VISA® Credit Card Special introductory offer 0 % APR 3 for the first six months Intro APR available on purchases & non-Landmark balance transfers. After, rate will be 10.9% - 16.9% based on creditworthiness. Rate is variable. Earn up to 1.25 % Cash Back 4 Apply at landmarkcu.com today! 1 - 1.99% APR available on owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is variable. Rate locked until 1-1-16, then set at Prime (recently 3.25%) or 3.99% APR, whichever is higher. Rate is subject to change on 1-1-16, and thereafter on the first business day following any change in the Prime Rate as published in the Wall Street Journal. Interest only payments are available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. Existing Landmark HELOCs may be modified for a $350 fee. Homeowners insurance required. Rates and terms subject to change. Appraisal cost of $350 required at time of application. 2 - Appraisal cost is refunded, and additional closing costs of $325 are waived at closing for all new closed, < 80% LTV, owner-occupied Home Equity Line of Credit loans with a balance/limit of $10,000 to $100,000 when the home is not listed for sale. 3 - Rates are subject to change. Limited to accounts in good standing. Cash advances are not eligible for the 0% Intro APR. APR is 13.9% - 19.9% on cash advances. Allow 3-4 weeks for balance transfers. An account will be disqualified if it becomes 60 days past due. 4 - 1% Cash Back for purchases up to $10,000, 1.25% Cash Back on annual purchases of $10,000 and more. The Cash Back period will reset on January 1 each year. Join us for our Spring Bloomin’ Cruise trip! Mark your calendar and join us for our Spirit of Chicago Luncheon Cruise and Flower & Garden Show at Navy Pier on March 17, 2015. Relax on the scenic cruise, then enjoy the beautiful displays or an afternoon of shopping. Visit landmarkcu.com/navy-pier-trip for complete details and to register or stop at any branch for a reservation form. LANDMARKCU.COM • PAGE THREE Refer your friends and earn up to $500! When you recommend your friends and family to Landmark and they open a qualified checking account, you each earn $50 VISA® Reward Cards! The more friends you refer, the more opportunities you have to earn money - up to $500 in a calendar year. Vist referlive.com/landmarkcu to register, then tell everyone you know about Landmark! Federally insured by NCUA. Referrer will earn a $50 VISA Reward Card for each individual referred to Landmark who opens a new checking account with direct deposit and e-statements. A referrer may receive up to ten Reward Cards ($500 value) within a calendar year. To earn a $50 VISA Reward Card, the referred person must open a new checking account and complete the direct deposit and e-statement requirements within 60 days after account opening. May not be combined with other offers. This program may be discontinued at any time without notice. Allow 4-6 weeks after completing requirements for delivery of your Reward Card to the physical address provided. Registration required. Visit referlive.com/landmarkcu for full terms and conditions. Tablet Apps provide new 24/7 account access Enjoy anytime, anywhere account management from your iOS or Android tablet. Our tablet apps allow you to check balances and history, transfer funds between Landmark accounts, view and schedule upcoming bill pays, deposit checks,* and locate branches and ATMs. Download today at landmarkcu.com! Current enrollment into Online Banking is required. Bill payment is available to members currently enrolled for this service within Online Banking. Transfers can be made between your accounts at Landmark. Landmark Credit Union does not charge for the use of this application. Your mobile phone carrier may charge data access fees, so please review your contract for details. Android is a trademark of Google Inc. *Mobile Deposit feature not available on Android Tablet app and Amazon app. Scheduled release coming soon. We can help with college tuition. Visit landmarkcu.studentchoice.org today to learn more about our Student Choice private loan solution. Phone Numbers Milwaukee Metro Madison Beaver Dam Toll Free (262) 796-4500 (608) 251-0621 (920) 887-7783 (800) 871-2110 Upcoming Events Jan. 9-11 Building & Remodeling Show Wisconsin Center Jan. 22 Investment Seminar - Country Springs Feb. 5 Landmark founded, 1933 Feb. 6-21 Links Sale for Children’s Miracle Network Feb. 10 Home Buying Seminar - West Allis Feb. 18 Home Buying Seminar - Milw. South Mar. 10 82nd Annual Meeting Mar. 11 Home Buying Seminar - West Allis Mar. 17 Trip - Chicago Bloomin’ Cruise Mar. 20-22, Realtors® Home & Garden Show State Fair Park 25-29 Mar. 24 Home Buying Seminar - Milw. South Apr. 5 Easter - Landmark Closed Branch Locations Beaver Dam .......................................................................106 E. Main St. Brookfield.........................................................13600 W. Greenfield Ave. Burlington.................................................................973 Milwaukee Ave. Cudahy..................................................................... 4801 S. Packard Ave. Fall River ..........................................................................140 McCrae Rd. Franklin (Inside Pick ‘n Save) ...................................... 7780 S. Lovers Lane Rd. Germantown .............................................. N96W17480 County Line Rd. Grafton .................................................................... 2190 Wisconsin Ave. Hartford ....................................................................... 1400 Schauer Dr. Hartland ......................................................................... 801 Cardinal Ln. Hubertus .................................................................. 3098 Reflections Dr. Juneau ............................................................................. 146 S. Main St. Juneau (Inside Piggly Wiggly)............................................... 100 Western Ave. Madison ...........................................................................1101 Spring St. Mayville (Inside BP gas station) ..............................................1400 Horicon St. Milwaukee Bay View ....................................... 2797 S. Kinnickinnic Ave. Milwaukee Midtown (Inside Wal-Mart) ............................ 5825 W. Hope Ave. Milwaukee South ........................................................... 4000 S. 27th St. New Berlin ............................................................ 2775 S. Moorland Rd. Oak Creek ................................................................. 8129 S. Howell Ave. Oconomowoc .............................................................. 955 Lexington Dr. Racine ........................................................................... 1931 Grove Ave. Racine ............................................................................ 3413 Rapids Dr. Racine (Mt. Pleasant) ............................................... 6219 Washington Ave. Sussex .................................................................... N64W22694 Main St. Watertown (Inside Wal-Mart) ............................................ 1901 Market Way Waukesha ........................................................ 2400 N. Grandview Blvd. Wauwatosa .................................................................. 3600 N. 124th St. West Allis.............................................................. 9515 W. National Ave. West Bend (Inside Pick ‘n Save) .............................................. 1629 S. Main St. West Bend (Inside Pick ‘n Save) ................................. 2518 W. Washington St. West Milwaukee ...................................................4501 W. National Ave. ® Administration - 5445 S. Westridge Dr. New Berlin, WI 53151-0870 Landmark’s Routing Number 275079714 landmarkcu.com For What It’s Worth is published monthly for the members of Landmark Credit Union. James Reichart, Editor; Lisa Mies, Asst. Editor Copyright © 2014 Landmark Credit Union Federally insured by NCUA. 123424
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