Spring 2015 Newsletter - Horizons Federal Credit Union
Transcription
Spring 2015 Newsletter - Horizons Federal Credit Union
LOCATIONS & HOURS LOAN RATES* (Effective April 1, 2015) *Rates based on credit worthiness and subject to change without notice. ASK US ABOUT MATCHING YOUR CURRENT CREDIT UNION OR BANK’S LOAN RATES! Loan Type Approx. Term Non-Variable APR† Comments Signature/Personal up to 60 mos 6.90% $10,000 max total (loans+VISA+LOC) Home Advantage Loan up to 84 mos 85 to 120 mos 6.90% 7.90% $15000 max total; member pays all fees; 100% available equity New Auto (108% financing) Approx. 24 mos. Approx. 66 mos Approx. 72 mos 1.29% 1.89% 2.59% Model year 2012 to new Approx. 48 mos Approx. 66 mos 1.89% 1.89% Model yr 2008-2011 Model yr 2008-2011 Approx. 36 mos up to 60 mos 4.95% 5.50% Model yr 2006-2007 Model yr 2006-2007 up to 66 mos 67 to 72 mos 5.94% 6.94% Passenger vehicles only New and up to 2 years old up to 60 mos up to 84 mos up to 120 mos 7.99% 8.99% 9.99% Recreational vehicles New and up to 2 years old New RV (108% financing) up to 60 mos 61 to 84 mos 85 to 120 mos 3.49% 4.49% 5.49% Campers, ATV’s, motorcycles Cycles under $10,000- 48 months Cycles over $10,000- 72 months Used RV (NADA plus tax) up to 60 mos 61 to 84 mos 3.90% 4.90% Campers, ATV’s, motorcycles Cycles under $10,000- 48 months Cycles over $10,000- 60 months Line of Credit Overdraft Protection Open end 14.50% $5,000 max if joint checking, both sign LOC app. Savings Secured up to 120 mos n/a Current rate plus 4.00% Certificate Secured up to 120 mos n/a Current rate plus 4.00% VISA Classic Credit Card Revolving 12.90% $10,000 maximum Used Auto (NADA plus tax) Home Advantage/ Auto Loan Type Approx. Term Variable Rate Non-Variable Rate Comments VISA Platinum Credit Card Revolving 7.25% 17.25% n/a Variable rate based on credit worthiness First Mortgage** Up to 30 yrs n/a yes Call for rates Home Equity LOC*** 15 yrs 1.99% Home Equity LOC 15 yrs Prime 80% LTV Prime +.50% 90% LTV Fixed rate for 1st 6 mos, variable rate thereafter. App. fee of $199 refunded at closing Home Equity LOC (Interest only) 15 yrs Prime + 0% 1.99% Fixed Rate, ClosedEnd Home Equity Up to 60 mos 61-120 mos 121-180 mos n/a n/a n/a 3.50% 4.25% 4.75% Some closing costs apply; up to 80% LTV. Second/Vacation Home** 30 yrs n/a yes Call for rates **** 1.99% Fixed rate for 1st 6 mos, variable rate thereafter of Prime +0%. App. fee of $199 refunded at closing. Interest-only payments 1st 10 years, repayment last 5 years. ** Home Owner loan products may offer tax advantages. Please consult a tax advisor. *** Up to 80% of your home’s equity. **** Up to 90% of your home’s equity. † APR = Annual Percentage Rate SAVINGS ACCOUNT RATES • Offered as of January 1, 2015 Account APY‡ Dividend Rate Savings .10% .10% Christmas & Vacation Clubs .10% .10% Money Market Accounts (Minimum Balance $2,500) .30% .30% IRA Savings Account (IRA Savings Certificates also available) .25% .25% Savings account rates are variable and may change every dividend period, as determined by the credit union board of directors. For current savings or savings certificate rates, minimum balances, term and fees, call (607) 724-5876. ‡ = Annual Percentage Yield Main Office: 120 Main Street Binghamton, NY 13905 Mon.-Wed, & Fri. 9:00 am - 5:00 pm Thurs. until 6:00 pm Sat. 9:00 am - 12:00 pm Drive-up: 8:30 am - 5:00 pm Mon.-Wed, & Fri. Thurs. until 6:00 pm Lobby ATM: 24 Hours Visit Horizons Federal Credit Union during the month of April 2015 and help us celebrate National Credit Union Youth Month™ Achieving economic prosperity is difficult, and it’s especially hard for young people who have not learned how to manage money. Horizons Federal Credit Union is ideally positioned to respond because we believe in the power of education. We’re here to help you launch the youth in your life toward financial independence, and here’s how: Join. For starters, open a credit union savings account for each child in your family. As soon as your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and tracking transactions. Share. Include your children in household money discussions. Show them how you budget income and expenses. As their skills improve, give them challenges - such as finding a better cell phone plan, calculating the total monthly cost of owning a car, or sticking to a budget for back-to-school or holiday spending. Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help. Our tradition of service and philosophy of self-help make Horizons Federal Credit Unions a natural partner in pursuing financial security. 519 Hooper Rd. Endwell, NY 13760 Mon. - Wed. 9:00 am - 4:00 pm Thurs. - Fri. 9:00 am - 5:30 pm Drive-up: 8:30 am - 5:00 pm Mon. - Wed. 8:30 am - 5:30 pm Thurs. - Fri. Drive-up ATM: 24 Hours ON THE HORIZON Loan Sale! Stop in Monday May 11th through Telephone Teller: (607) 771-6845 Board of Directors Richard Felo Chairman Pete Chermak Vice Chairman James HalaburkaTreasurer Donald Prutisto Secretary Kathleen O’Brien Director Cornelius LordenDirector Louis Panigrosso Director Michael Kane Supervisory Committee David Tanenhaus ON THE HORIZON is published quarterly for members of Horizons Federal Credit Union. Thursday • April 23, 2015 • 3 - 6 pm 3701 Vestal Pkwy East, Horizons Vestal Branch Horizons FCU is holding a shredding event on Thursday April 23rd at our Vestal Branch. Acceptable items can be dropped off in the parking lot beside our building. With Confidata’s state-of-the-art mobile security shredding truck, all of your confidential documents can be securely destroyed on site. ACCEPTABLE ITEMS: Old Files, Typing Paper, Fax Paper, White/Colored Bond, Computer Print-Outs, Account Ledger Sheets, Carbonless Form, Message Pad Paper, Colored Writing Paper, Manila File Folders, Unbound Reports, Copier Paper, Letterhead, Post-It Notes, Memos, Brochures, Calculator Tape, Plain Envelopes, Pamphlets, Ruled Tablet Sheets, Index Cards, Blueprints, Tab Cards UNACCEPTABLE ITEMS: Food Waste, Metal, Plastic, Tyvec (FedEx, ADP) Envelopes, Food Containers, Wood, Type/printer Ribbons, Padded Mailing Envelopes, Kleenex, Glass, Toner Cartridges, Fluorescent Colored Paper, Paper Towels, Wire, Copier Paper Wrappers, Carbons from Duplicate Forms, Napkins, String, Bubble-pack, Polystyrene Packing Peanuts, Newspaper, Corrugated Cardboard Spring HFCU Closings All locations will be closed the following days: Saturday, April 4 - day before Easter Editor: Marylouise Doyle, Marketing Coordinator [email protected] Monday, May 25 - Memorial Day PO Box 1881, Binghamton, NY 13902-1881 Phone: (607) 724-5876 Fax: (607) 724-0613 HFCU email: [email protected] Web: www.HorizonsFCU.com Saturday, July 4 - Independence Day Read our newsletter online at www.HorizonsFCU.com 6 Win! $ 10 0.99% 24 Months as low as 1.49% APR* 48 Months as low as 3.49% APR* APR* 36 Months as low as 2.49% APR* Secured Loans 60 Months New or Used Auto, RV 4.49% 0.99% 72 Months as low as 12 Months as low as APR* APR* up to Two member numbers are printed in bold in this newsletter. If either number is yours, stop in to any Horizons location • Binghamton • Endwell • Vestal along with a form of Horizons member ID and we’ll deposit $10 into your savings or checking account! ON THE HORIZON Saturday May 16th to any Horizons location! Unsecured Loans 12 Months as low as SHREDDING EVENT CONTACT We’re here to help. Horizons will show youth and teens how to get wild about saving, contact us at 607724-5876. And remember, Horizons FCU membership is open to all members of your family. Spring 2015 34638 Vestal Branch: Campus Plaza 3701 Vestal Parkway East Vestal, NY 13850 Mon. - Wed. 9:00 am - 4:00 pm Thurs. - Fri. 9:00 am - 5:30 pm Drive-up: 8:30 am - 5:00 pm Mon. - Wed. 8:30 am - 5:30 pm Thurs. - Fri. Lobby ATM: 24 Hours SPRING 2015 Vol. XI • No. 2 May Mayhem Endwell Branch: Federally Insured by NCUA 5 Outstanding Member Service Since 1937 Vestal and Endicott Branches will be open Saturday May 16th, 9:00AM - Noon! Spring 2015 1 as low as 1.79% APR* *APR = Annual Percentage Rate. VISA, line of credit, and mortgage products excluded. New money loans ONLY. Must make application during the week of 5/11/15-5/16/15. No pre-qualifications. Rates based on credit worthiness and relationship discounts with Horizons FCU. Certain restrictions may apply. See a member service specialist for details. Federally insured by NCUA. ON THE HORIZON Spring 2015 Are you looking for low monthly payments on your next vehicle but want to avoid all the drawbacks of leasing? Horizons and Serafini are Teaming Up to deliver a Special Auto Rate! Ask us about Horizons DrivingSense™ Up to 66 Months as low as Hand to Heart Raffle Horizons staff, members and friends got creative and made items to be raffled off in the month of February! All money raised supports the American Heart Association. Winners walked away with great prizes. Thank you to everyone who participated! 1.79% APR* No first or last payment, or money •due at signing •Vehicle upgrade potential •Vehicle ownership •No capitalization fees •No application or acquisition fees •No early payoff penalty Mileage options of 12,000, 15,000 or •18,000 per year available. Option to sell, trade, refinance or return •vehicle and “walk away” at program’s end. Manage your debt with a Low Interest 36 Months Consolidation Loan 24 Months as low as as low as from Horizons! 2.49% 3.49% APR* Limited Time Consolidation Loan Special Rate 48 Months as low as 12 Months as low as 1.99% Stop in to Horizons and ask us about all the benefits of the Horizons DrivingSense™ program. APR* 3 APR* 60 Months as low as 4.49% 5.49% APR* APR* *APR = Annual Percentage Rate. Rates based on credit worthiness and relationship discounts with Horizons FCU. New money loans only. See a member service specialist for details. Federally insured by NCUA. ON THE HORIZON Spring 2015 SAVE THE DATE! Horizons FCU Annual Meeting will be Wednesday April 29th, 2015 at 6:00pm JOIN US! at the Relief Pitcher 197 Conklin Avenue, Binghamton in the Banquet Room. ATTENTION MEMBERS 31338 11044 Horizons@Home Security update coming May 12, 2015 In order to maintain a secure operating environment for Horizons@Home our Data Processing will be upgrading the Multi-Factor Authentication (MFA) configuration. This update will affect all Horizons@Home users. After the security update on May 12, 2015 all members having Horizons@Home will be required to re-enroll in the MFA during their first log-in after the update. During the re-enrollment you will be REQUIRED to: 1. Clear all session cookies from your device. Not doing this could cause older site cookies to be used and generate some misleading displays or errors. 2. Select a new image and passphrase. This can be the same information that was previously entered if available. 3. Select 3 new questions from the drop downs provided. You may see previously selected questions and they can be reused, with the same security answer if the question is available. How will this affect Mobiliti? There will be no change to the Mobiliti app. However you MUST complete the MFA enrollment via Horizons@Home PRIOR to logging into Mobiliti or you will not be permitted to access the app. Once you have completed the new MFA and re-authenticate with Mobiliti your experience will be unchanged. If you have any questions or concerns please contact the credit union at 607-724-5876. Thank you. 4 ANNUAL MEETING ••••••••••• Look for more fun fundrasiers in the coming months! *APR = Annual Percentage Rate. Rate is determined by credit worthiness. Your actual rate may vary. Advertised rate is a promotional rate that ends April 30, 2015. Maximum amount financed also based on credit worthiness. New money loans only on model year 2006 to 2015. See a member service specialist for details. Federally insured by NCUA. Spring 2015 on Saturday March 28th. Children attending the festivities were treated to Easter eggs filled with candy and a free photo with the Easter Bunny. Free toy and treat filled Easter Baskets were also raffled off to two lucky families. Not a Horizons member? If you live, work, worship or go to school in Broome County you can become a member. Join the area’s friendliest credit union and buy your vehicle from Serafini today! All new and pre-owned vehicles up to five years old qualify. All eligible vehicles can be financed up to 72 months. Discover the advantages of DrivingSense™ for yourself! ON THE HORIZON Bunny Day at Horizons was HURRY! Starting April 9th visit Serafini Nissan Volvo and take advantage of this great rate! Horizons DrivingSense™ is the answer for you! Like a lease, DrivingSense™ offers monthly payments which are considerably lower than conventional financing with no money down! Yet unlike leasing, with DrivingSense™ vehicle financing you own the vehicle! 2 Horizons in the community ON THE HORIZON Manley’s Mighty Marts have been acquired by Mirabito. Manley’s ATMs are no longer available surcharge free. Effective as of January 1st there will be a $3 surcharge, charged by Mirabito. REMEMBER We have ATMs at all Horizons locations. See hours on page 6 for Horizons FCU Lobbies, ATMs and Drive-ups. ALSO there are almost 30,000 surcharge free ATMs and 5,000+ surcharge free sharedservice-center branches. Find them at: https://co-opcreditunions.org/locator ••••••••••• Spring 2015
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