Large Or Small, We Finance Them All A Salute To Volunteers

April 2015
Your Preferred Financial Institution
Chartered 1936
It’s Time For HUD FCU’s
74th Annual Meeting
Large Or Small, We Finance Them All
New And Used Auto Loans
Whether you have your eye on something as small as a motorcycle or hybrid or
something as big as an RV or SUV, HUD FCU can handle the financing. New
and Used Auto Loan rates are as low as 1.99% APR*.
New Auto Loans
Financing up to 100% of the purchase price
including taxes, title, fees, and extended warranty
l Terms of up to 72 months on $20,000 minimum loan
l
l
At the Meeting, members have the chance to learn about the
Credit Union results of operations and express their ideas
about its future. You will also be able to socialize with the other
members and meet the newly-elected Board of Directors
and the other Volunteers.
Everyone is sure to have a good time. So, bring your child
and co-workers who are interested in becoming members.
Used Auto Loans
l
You and your family are cordially invited!
Financing up to 100% of the NADA book value
Terms of up to 60 months
DATE:
Saturday, April 25, 2015
TIME:
11:00 a.m. Brunch
1:00 p.m. Business Meeting
RV Loans
Can be used for motor homes, boats and
other recreational vehicles
l Terms of up to 84 months
l
Motorcycle Loans
Terms of up to 36 months
At www.hudfcu.org homepage, click on ONLINE AUTO BUYING and make
good use of resources and tips from the improved "AUTO SMART" program
relative to vehicle search, buy, or even sell.
l
LOCATION:
Holiday Inn Capitol
550 C Street, SW
Washington, DC 20024
Please RSVP by April 22, 2015.
Fill out the Brunch Reservation Form below.
Brunch Reservation Form
Already Have A New or Used Auto Loan?
Apply and/or refinance, at www.hudfcu.org or meet with a Loan Officer today.
*Annual Percentage Rate. Subject to change any time and is based on credit approval, with payroll
deduction. Other restrictions apply.

Refinance that high-rate Auto Loan with HUD FCU to lower your rate and your
monthly payment. By refinancing, you will keep more of your hard-earned money.
YES, I want to attend HUD FCU Annual Meeting and the “Before the
Meeting Brunch” at Holiday Inn Capitol, 550 C Street, SW
Washington, DC 20024 on April 25, 2015 at 11:00 a.m.
Note: Let’s save on parking cost by riding the Metro Train.
Please make reservations for: Names (print)
1.
A Salute To Volunteers
2.
National Volunteer Week April 12-18, 2015
The special week is about gratitude to and recognition of people working together.
Indeed, there are feelings of satisfaction and happiness when we “pull together” to
meet challenges, fulfill set goals, and make this world a better place for everyone.
Volunteering provides opportunities to share and improve your skills with others,
gain experience, meet new people, feel needed and valued, and make a difference
in people's lives.
HUD FCU would like to publicly recognize our volunteers. This includes our Directors,
members of our various Committees and their supportive spouses. We sincerely
appreciate them sharing their “thinking tanks,” time, and energy spent on policy
decisions that redound to the financial stability, safety, and welfare of the HUD
Federal Credit Union and its members.
3.
4.
Cost: $15.00 per adult; $5.00 per child, 8 to 12 years old
Please debit my account# share / share draft
(circle one)
I understand that I must be present at the actual drawing to win any of the
valuable door prizes, including deposits to share/savings accounts.
Signature
Telephone # Date
Fill out and bring to a Member Services Rep. or Teller,
e-mail [email protected] or call 202-863-2800 ext. 685.
FLASH! MOBILE BANKING at your Credit Union SOON!
1
Get Financially Fit In 2015!
SOON - MOBILE APPS TO DEPOSIT CHECK, MANAGE ACCOUNTS
WHENEVER, WHEREVER RIGHT FROM YOUR iPHONE or ANDROID DEVICES!
Home Equity Loan from HUD FCU
Use it for these multi-purposes: improvements to raise your home’s value; add
a bedroom, rec room or fireplace; install energy-saver windows or storm doors;
upgrade appliances and furniture; consolidate high-rate debts; pay tuition,
family vacation/cruise, medical bills; investment fund; or small business.
PRIME RATE
3.25%
Features of our Home Equity Loan:
l Maximum loan of $50,000 for 5, 10 or 15 years; at Prime Rate, currently 3.25% APR*
l No points; no application, origination or credit report fees
l Interest paid may be tax-deductible. Please consult your tax advisor.
For details and to apply, call 202-863-2800 option 4 or meet with a Loan Officer.
APR*
1st & 2nd Mortgages
Credit Union Mortgage Association (CUMA), our valued partner, offers various options: conventional,
VA, FHA, adjustable rate, balloon, and reverse. For more info, please visit www.hudfcu.org, click on
“CU Mortgages.” Or, call a Mortgage Specialist at 703-425-1204 or 800-231-8855, to request for
pre-approval and complete assistance from loan application to closing.
VISA Credit Card
®
Our low, fixed 9.9% APR* credit card – keep it handy for all your
purchases, entertainment, shopping online and in stores.
Features of HUD FCU VISA® Credit Card:
l 5.9% APR* 1st year rate for new applicants
l 25-day grace period on purchases
l No annual fee, no balance transfer fee
l Worldwide acceptance
Low Rate of
9.90
%
APR*
New And Used Auto Loans
Your vehicle goes through a lot. Get the best car, SUV, van, hybrid, or light truck to handle
all of what the road throws your way. We can help with the financing.
Features of HUD FCU’s New and Used Auto Loans:
l Rates as low as 1.99% APR* for up to 36 months
l Term up to 72 months on a minimum car loan of $20,000
l Refinance with us to save money from our low rates that translate into a lower
monthly payment.
Log onto www.hudfcu.org, click on “Online Auto Buying” and get benefits from the
“AUTO SMART” program offered by our valued partner, Credit Union Direct Lending (CUDL).
Rates as low as
1.99%
APR*
To apply and/or refinance, complete the application on the back page and return it to us by
fax to 202-863-2124 or in person. Or, go to www.hudfcu.org, call 202-863-2800 option 4 or
meet with a Loan Officer today.
Lifetime Membership
Give this gift to your co-workers, family and household members, so they experience
the “CU Difference,” and the benefits of free checking – with debit card and overdraft
protection privilege; low loan rates; insured saving options; free, safe, convenient
Online Account Access and Online Bill Pay; shared branches; and CU Outlets. Soon –
mobile apps to deposit check, manage accounts whenever, wherever right from your
iPhone or Android devices!
*APR=Annual Percentage Rate, subject to change any time, based on credit approval, with payroll deduction. Other restrictions apply
Other Important MEMBER Events
April 2015 – Financial Literacy Month
At the HUD FCU front desk, please pick up useful written articles
and brochures on improving financial literacy
National Credit Union Youth Month
Theme: “Wild About Saving™”
We encourage our youth to use resources at the Credit Union to help them
on their way to financial independence and responsibility.
Current Loan
And Dividend Rates
Contact us for current rates before you borrow.
Loan rates are subject to change any time.
Loan and dividend rates are expressed in annual
percentage rate (APR) and annual percentage
yield (APY).
l New Cars
as low as 1.99%
l Used Cars
as low as 1.99%
l VISA® Credit Card
9.90%
l Mortgage Loan
1st and 2nd Mortgages at competitive rates.
Various options: conventional, VA, FHA,
adjustable rate and balloon mortgages.
Call CUMA, our mortgage partner at
703-425-1204 or 800-231-8855 or visit
www.hudfcu.org and click on CU Mortgages.
To celebrate Mother’s Day, May 10th and Father’s Day, June 21st
SPECIAL OFFER: MAY 1-31, 2015 and JUNE 1-30, 2015
Open a share/savings account* for your children, grandkids, nieces, nephews, siblings
*Initial deposit of $5.00; $2.00 one-time membership fee waived
*HUD FCU matches initial deposit up to $25.00
*for newborn and up to l7 years old child; some restrictions apply
Got A Question Or A Concern?
The Supervisory Committee wants to hear from you! Please address questions and
concerns regarding your membership with HUD FCU to:
HUD Federal Credit Union
Supervisory Committee, P.O. Box 23160, Washington, DC 20026-3160
Note: At the Board meeting on February 24, 2015, Mr. Otis Collins, Director and
Supervisory Committee Chairman, announced that a SUGGESTION/COMMENT BOX
will be installed at HUD FCU soon!
Special 2nd Mortgage Loan up to $50,000
5 years
3.99%
10 years
4.99%
15 years
5.99%
l
"Your Credit Union Multiplied!"
The Member-Friendly Financial Network
Reverse Mortgage, loan option for
members-homeowners age 62 and older.
Call 703-425-1204 ext. 128 for more info.
l
Find a Service Center or CU Outlet wherever you live, work or travel!
Log on to www.CUServiceCenters.com
or call 888-748-3266 or 800-919-2872.
Check Your Dividend Rates
Your Credit Union works to keep dividend rates up.
The Board of Directors has declared dividend rates
for the quarter ending March 31, 2015:
Rate Yield
l Regular Shares
.05
.05
l Premium Share Draft
.05
.05
l Regular IRA
.10
.10
l Money Market Share Account
$2,500 to $24,999
.15
.15
$25,000 to $49,999
.20
.20
$50,000 to $99,999
.25
.25
$100,000 and over
.30
.30
For electronic transfers, use our
Routing/Transit Number 2540-7473-0.
Your Dollars$Worth published quarterly by HUD FCU
P.O. Box 23273 Washington, DC 20026-3273
Evelyn Tafalla, CMS, CCUE
Marketing Director & Adm. Asst.
Notary Public
Ways To Raise Your Credit Score
n
Build a long history of on-time payments on loans and debts.
Don’t max out your credit lines. It’s better to use part of available credit on a few accounts than all of your available credit on just one account.
n
Don’t open or close accounts as a strategy to raise your score. However, if you have more open accounts than you need, close newer credit accounts rather than ones you’ve had for a while.
n
n
Pay off revolving debt rather than shifting it from card to card.
When shopping for a loan, submit applications within a limited time. If shopping for a car loan, for example, and you visit five dealers in three weeks, those five inquiries on your credit report will count as one inquiry to a potential lender looking at your report.
n
Check your three credit reports free once each year (one every four months) through annualcreditreport.com or 877-322-8228, and contact the creditor and the credit bureau to correct any error(s)
n
Credit Bureau Website Request credit report Fraud Units
Equifax Experian TransUnion 800-685-1111 888-397-3742 800-888-4213 800-525-6285
888-397-3742
800-680-7289
equifax.com experian.com transunion.com Ref: Home and Family Finance
2015 Membership Marketing Support Services
©
4