April 2013 - the Valley State Employees CU

Best Gift Ever!
APRIL
Results of the
2013 Election
We would like to thank all the members
who joined us for the Annual Meeting
on March 5th. At the elections held
during the Annual Meeting, Sidney Diggs
IV and Lorraine Tourangeau were reelected to the Board of Directors and Jane
Turner was re-elected to the Supervisory
Committee.
If you would like to receive a copy of the
2012 Annual Report, please contact us,
we’ll be happy to send you one.
2013
Ra t e s
Show your graduate you care by giving the gift of a VISA gift
card. When you give a VISA gift card, you give your recipient
the final choice of where to spend your gift, whether on dorm
accessories, a night out, or a new outfit. Plus, since they’re available here at VSECU, you
can conveniently pick one up next time you stop by the Credit Union.
(Effective October 2012)
New Vehicles, Motorcycles, Boats and RV’s
YearApprox. TermAPR*
2013 - 2012
(Under 10,000 miles)
(min. $18,000)
May Is National
Direct Deposit Month
60 months
1.99%
72 months
2.99%
YearApprox. TermAPR*
2012
2007
2004
2001
Direct deposit is a reliable electronic
service that has been helping people
save time for more than 30 years! With
direct deposit, you can go straight
home on payday knowing your money
is already safe and sound in your
credit union account. Ask your human
resources department for details on
signing up, and remember, direct deposit
can also be used for your pension, social
security checks and your tax refund.
- 2008
- 2005
- 2002
& Older
60
48
36
24
months
months
months
months
Signature Loans
Up to 12 Months
Up to 24 Months
Up to 36 Months
Up to 42 Months
3.99%
4.25%
5.50%
5.50%
5.90%
6.90%
7.90%
8.90%
*APR = Annual Percentage Rate. Rates are subject to change.
Do you plan on traveling this summer? Whether your travel plans keep you stateside or
take you abroad, here are a few things to keep in mind before and during your voyage:
nIf
you plan on using your VSECU card, either overseas or out
of state, please contact the Credit Union in order to prevent
your card from being deactivated due to unusual activity.
M ai n O f fice
2686 McLeod Drive North
P.O. Box 5366
Saginaw, Michigan 48603
989-793-5943
888-504-7999
Fax 989-793-4321
VAL line 1-800-473-9769
nThe
ATM daily limit is $259/U.S. per day (midnight to
midnight, EST).
nMasterCard
charges a 1% fee to convert foreign currency
transactions into U.S. dollars.
nWhile
H o ur s :
Mon. & Tue. 9 am to 5 pm
Wed. 10 am to 5 pm
Thur. & Fri. 9 am to 6 pm
C A ro O f fice
Once A Member,
Always A Member
If you’re moving, retiring, or changing
jobs you can still enjoy all the benefits of
your Valley State Employees Credit Union
membership because once you join us,
you’re a member for life. You can always
count on us. We’re here for you no matter
where life takes you.
2000 Chambers Road
Caro, Michigan 48723
989-673-3002
Fax 989-673-6351
New Hours
for Caro Branch
Monday – closed
Tuesday – 9-12:30 | 1:30-4:15
Wednesday – Closed
Thursday – 9-12:30 | 1:30-4:15
Friday – 9-12:30 | 1:30-4:15
Valley State Employees Credit Union
Did You
Know...?
You can swipe your Valley State Employees
Credit Union debit card as a credit card for
purchases! It’s simple, convenient and you
don’t have to remember your PIN!
Swipe your debit card
Select the “credit” option
Sign your receipt
Overseas & U.S. Travel
we make every effort to prevent you from
experiencing any problems, VSECU is not responsible if your card does not work abroad. If you do
encounter a problem, please contact us Monday
through Friday at 888.504.7999, or you may contact
MasterCard directly at 800.236.6211.
A Quarterly Publication of
Used Vehicles, Motorcycles, Boats and RV’s
The purchase amount is still taken directly
from your credit union checking account;
however, you do not have to enter your PIN
to initiate the transaction and risk someone
watching you enter your PIN and stealing
your information. Remember, you can help
protect your card from fraud by selecting
“credit” instead of “debit” when you make
purchases using your debit card.
Memorial Day
Monday, May 27
Independence Day
Thursday, July 4
H o ur s :
Tues. thru Fri. 9 am to 12:30 pm
1:30 pm to 4:15 pm
www.valleystatecu.com
Mission Statement:
[email protected]
To be the primary financial institution
www.valleystatecu.com
families by placing them first
and providing quality service.
Federally Insured by NCUA.
Valley State Employees Credit Union • april 2013
© CUAdvantage.com • 877.799.0784
Are In
Full Bloom
If you’ve been considering the purchase of a new or used vehicle, you’re in luck! At
VSECU, our auto rates are some of the lowest ever, making now the perfect time to
finance a car, truck or SUV!
R ates as l ow as
1.99% APR*
Before you begin the search for your next auto, be sure to stop by Valley State
Employees Credit Union first. We can get you pre-approved for a low-rate auto loan, so
you can head to the dealership with affordable financing already in hand. You can focus
on getting the best deal for your new wheels instead of worrying about the financing.
*APR = Annual Percentage Rate.
Rates and terms subject to
change without notice.
Holiday
Closings
of our Valley State Employees Credit Union
Check out our website
for upcoming VSE events!
Low Rates
National Credit Union Youth Week™
April 21-27
Valley State Employees Credit Union wants to
help your child or grandchild become a
super savings sleuth! Bring them into
the Credit Union during National Credit
Union Youth Week to open a VSECU
account. They’ll love having an
account of their own, and you’ll love
watching them learn the secrets to
saving! We hope to see you during Youth
Week as we celebrate our young members.
Best Gift Ever!
APRIL
Results of the
2013 Election
We would like to thank all the members
who joined us for the Annual Meeting
on March 5th. At the elections held
during the Annual Meeting, Sidney Diggs
IV and Lorraine Tourangeau were reelected to the Board of Directors and Jane
Turner was re-elected to the Supervisory
Committee.
If you would like to receive a copy of the
2012 Annual Report, please contact us,
we’ll be happy to send you one.
2013
Ra t e s
Show your graduate you care by giving the gift of a VISA gift
card. When you give a VISA gift card, you give your recipient
the final choice of where to spend your gift, whether on dorm
accessories, a night out, or a new outfit. Plus, since they’re available here at VSECU, you
can conveniently pick one up next time you stop by the Credit Union.
(Effective October 2012)
New Vehicles, Motorcycles, Boats and RV’s
YearApprox. TermAPR*
2013 - 2012
(Under 10,000 miles)
(min. $18,000)
May Is National
Direct Deposit Month
60 months
1.99%
72 months
2.99%
YearApprox. TermAPR*
2012
2007
2004
2001
Direct deposit is a reliable electronic
service that has been helping people
save time for more than 30 years! With
direct deposit, you can go straight
home on payday knowing your money
is already safe and sound in your
credit union account. Ask your human
resources department for details on
signing up, and remember, direct deposit
can also be used for your pension, social
security checks and your tax refund.
- 2008
- 2005
- 2002
& Older
60
48
36
24
months
months
months
months
Signature Loans
Up to 12 Months
Up to 24 Months
Up to 36 Months
Up to 42 Months
3.99%
4.25%
5.50%
5.50%
5.90%
6.90%
7.90%
8.90%
*APR = Annual Percentage Rate. Rates are subject to change.
Do you plan on traveling this summer? Whether your travel plans keep you stateside or
take you abroad, here are a few things to keep in mind before and during your voyage:
nIf
you plan on using your VSECU card, either overseas or out
of state, please contact the Credit Union in order to prevent
your card from being deactivated due to unusual activity.
M ai n O f fice
2686 McLeod Drive North
P.O. Box 5366
Saginaw, Michigan 48603
989-793-5943
888-504-7999
Fax 989-793-4321
VAL line 1-800-473-9769
nThe
ATM daily limit is $259/U.S. per day (midnight to
midnight, EST).
nMasterCard
charges a 1% fee to convert foreign currency
transactions into U.S. dollars.
nWhile
H o ur s :
Mon. & Tue. 9 am to 5 pm
Wed. 10 am to 5 pm
Thur. & Fri. 9 am to 6 pm
C A ro O f fice
Once A Member,
Always A Member
If you’re moving, retiring, or changing
jobs you can still enjoy all the benefits of
your Valley State Employees Credit Union
membership because once you join us,
you’re a member for life. You can always
count on us. We’re here for you no matter
where life takes you.
2000 Chambers Road
Caro, Michigan 48723
989-673-3002
Fax 989-673-6351
New Hours
for Caro Branch
Monday – closed
Tuesday – 9-12:30 | 1:30-4:15
Wednesday – Closed
Thursday – 9-12:30 | 1:30-4:15
Friday – 9-12:30 | 1:30-4:15
Valley State Employees Credit Union
Did You
Know...?
You can swipe your Valley State Employees
Credit Union debit card as a credit card for
purchases! It’s simple, convenient and you
don’t have to remember your PIN!
Swipe your debit card
Select the “credit” option
Sign your receipt
Overseas & U.S. Travel
we make every effort to prevent you from
experiencing any problems, VSECU is not responsible if your card does not work abroad. If you do
encounter a problem, please contact us Monday
through Friday at 888.504.7999, or you may contact
MasterCard directly at 800.236.6211.
A Quarterly Publication of
Used Vehicles, Motorcycles, Boats and RV’s
The purchase amount is still taken directly
from your credit union checking account;
however, you do not have to enter your PIN
to initiate the transaction and risk someone
watching you enter your PIN and stealing
your information. Remember, you can help
protect your card from fraud by selecting
“credit” instead of “debit” when you make
purchases using your debit card.
Memorial Day
Monday, May 27
Independence Day
Thursday, July 4
H o ur s :
Tues. thru Fri. 9 am to 12:30 pm
1:30 pm to 4:15 pm
www.valleystatecu.com
Mission Statement:
[email protected]
To be the primary financial institution
www.valleystatecu.com
families by placing them first
and providing quality service.
Federally Insured by NCUA.
Valley State Employees Credit Union • april 2013
© CUAdvantage.com • 877.799.0784
Are In
Full Bloom
If you’ve been considering the purchase of a new or used vehicle, you’re in luck! At
VSECU, our auto rates are some of the lowest ever, making now the perfect time to
finance a car, truck or SUV!
R ates as l ow as
1.99% APR*
Before you begin the search for your next auto, be sure to stop by Valley State
Employees Credit Union first. We can get you pre-approved for a low-rate auto loan, so
you can head to the dealership with affordable financing already in hand. You can focus
on getting the best deal for your new wheels instead of worrying about the financing.
*APR = Annual Percentage Rate.
Rates and terms subject to
change without notice.
Holiday
Closings
of our Valley State Employees Credit Union
Check out our website
for upcoming VSE events!
Low Rates
National Credit Union Youth Week™
April 21-27
Valley State Employees Credit Union wants to
help your child or grandchild become a
super savings sleuth! Bring them into
the Credit Union during National Credit
Union Youth Week to open a VSECU
account. They’ll love having an
account of their own, and you’ll love
watching them learn the secrets to
saving! We hope to see you during Youth
Week as we celebrate our young members.