Don`t Let These Doggone Good Auto Rates Pass You By

APRIL 2015
838 Eglin Parkway NE, Fort Walton Beach, FL 32547-2781
Don’t Let These Doggone
Good Auto Rates Pass You By
1
.99%
APR
As low as
through May 31, 2015
In This Issue
New President/CEO –
Jerry Williams..............................2
Debit Card is Now Enhanced
with MasterCard® Benefits......2
Summer Travel Plans.................2
Let’s get
“Wild About Saving”.................3
Are You Making the Most of
Online Banking at EFCU?.........4
Remodeling this Spring?...........4
D
on’t miss out on our doggone good
auto rates now through May 31, 2015.
Rates are as low as 1.99% APR on new or
used autos up to 3 years old. It is easy to
shop. You can stop at 23 local dealerships in
Okaloosa and Escambia County and apply
for your EFCU loan on site. There is no need
to visit the Credit Union first. For a list of
dealers go to www.eglinfcu.org/auto. Be sure to
check for updates as the list of participating
dealerships continues to grow. If you have a
PAL (pre-approved loan) you can take
it to any dealership in the USA. If you
are in the market for a used car, you will
want to check out our newest service
AutoSmart©. This online service allows
you to locate vehicles available in your
area, and provides payment calculators
and links for other great resources. A
link to AutoSmart© is on our auto rates
page at www.eglinfcu.org/auto. EFCU now
finances vehicles up to 15 years old.
View rates and terms on our website, where you may also apply
online. For additional information call or visit any of our branch offices.
*Prior sales excluded. Limit one free gas gift card per household per 18-month
period and no more than 4 free gas cards per household from any/all autocash
promotions. On behalf of Eglin FCU, auto dealer participation is limited to faxing
gift requests only (Eglin FCU membership required).
Loan Rates
April, 2015
New Autos/Trucks/Vans
Defined as current year and 1-year-old models regardless
of odometer reading or having been previously titled.
Rates as
Low as
APR*
New President/CEO –
Jerry Williams
Approximate
Repayment Term
Loan Value
1.99% 2.49% 3.49% $30,000 and up
A
s your new president/CEO, I look forward
to continuing EFCU’s mission to provide
outstanding service and products to our member
owners while maintaining the safety and soundness
of your Credit Union.
It is also my pleasure to report the Board of
Directors has honored our past president, Phipps
McGee, with a memorial scholarship established at
the University of West Florida to begin in 2016.
60 mos.
72 mos.
84 mos.
Current Year Models: Maximum Loan Amount is
130% of MSRP. We will finance the selling price plus
sales tax, title, tag fees, dealer processing fees, and
Aftermarket Products** not to exceed $3,500.
1-Year Old Models: Maximum Loan Amount is 130%
of NADA Retail. We will finance the selling price plus
sales tax, title, tag fees, dealer processing fees, and
Aftermarket Products** not to exceed $3,500.
**Total of $3,500 allowed in Aftermarket Products
including extended warranty, pre-paid maintenance,
and appearance and protection products.
If you borrow $30,000 at 3.49% APR for 84 months,
your monthly payment will be approximately $403.08.
Used Autos/Trucks/Vans
1.99% 2.49% 2.99% 3.49% Age of Auto
2 & 3 years 4 & 5 years 6-10 years 11-15 years 60 mos.
54 mos.
48 mos.
36 mos.
Maximum Loan Amount is 130% of NADA Clean
Trade value adjusted for high or low mileage. We will
finance the selling price plus sales tax, title, tag fees,
dealer processing fees, and Aftermarket Products** not
to exceed $3,500. Maximum mileage 150,000 without
prior approval.
**Total of $3,500 allowed in Aftermarket Products
including extended warranty and pre-paid maintenance.
If you borrow $20,000 at 2.49% APR for 54 months,
your monthly payment will be approximately $391.90.
New Boat or RV
4.75%
5.75%
$10,000 and up
6.00%
$25,000 and up
6.00%
$50,000 and up
60 mos.
120 mos.
144 mos.
180 mos.
5% down payment required. Applies to never titled,
current year and prior year models. Repayment
Example: If you borrow $20,000 at 5.75% APR* for
120 months, your monthly payment is approximately
$219.57.
Check out our website for financing terms on Used
Boats, RVs, New Motorcyles and Personal Watercrafts.
Line of Credit
This revolving credit line can be used for overdraft
protection on your EFCU checking account. You can also
make cash advances at an ATM, transfer via Home Branch
or write an X-Press Chex.
Debit Card is Now Enhanced
with MasterCard® Benefits
Y
our EFCU Debit MasterCard® is
the card that makes sure you’re
protected when you shop. You can
access your EFCU Checking account
and use your card at more than 33
million locations around the globe.
The enhanced benefits offer these
additional protections and services:
• Extended Warranty Insurance
• Price Protection
• Satisfaction Guarantee
• Identity Theft Resolution Services
Get more out of life with your
EFCU Debit MasterCard®. For more
information on these benefits please
visit www.eglinfcu.org/debit or call us
locally at 850-862-0111 or toll-free
800-367-6159 ext. 1420.
Summer Travel Plans
T
raveling this summer? Contact our MasterCard® Department with your
travel plans. This will help prevent any interruption in service by providing
information for our fraud detection program. You may reach one of our helpful
staff members at 850-862-0111 ext. 1481.
Share Loan
2.00% APR* 84 mos.
Secured by Savings in S-1 and S-4 Accounts.
Repayment Example: For a share loan, if you
borrow $3,000 at 2.00% APR,* for 84 months your
monthly payment is approximately $38.31.
Platinum MasterCard®
As low as 7.9% APR*
Minimum monthly payment will be $25
or 3% of the statement balance.
FPO
Apply online
24/7 atcallwww.eglinfcu.org
Mortgage
Services
x1830
* Annual Percentage Rate (APR). There is a range of rates
for each loan type. The rate received will be determined by
an evaluation of the applicant’s credit. Rates are subject to
change without prior notice. Minimum monthly payment on
all loans is $35 except MasterCard, which is $25. Maximum
deductible for insurance is $1,000 for all collateral types.
Standing: Rosalie, Yvonne, Linda, Tracy, Gail, Jazman. Seated: Alicia
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w
Spirit
This quarterly newsletter is the main
communication to EFCU’s membership.
Officials
Board of Directors
William S. Rone................................................ Chairman
Robert Harlan.......................................... Vice Chairman
Daniel A. McInnis....................................Sec./Treasurer
Richard Adams.................................................... Director
Russ Corbitt......................................................... Director
Barbara Patty....................................................... Director
James Pitts............................................................ Director
Supervisory Committee
Karen Williams................................................. Chairman
David W. Heckel................................................. Member
Mike Kucera......................................................... Member
Jeffrey W. Watson............................................... Member
Robert Weaver..................................................... Member
Credit Appeals Committee
* Thrift Savings Plan
Representatives are registered, securities are sold and investment advisory services offered through CUNA Brokerage Services,
Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa
50677, toll-free 1-866-512-6109. Nondeposit investment and insurance products are not federally insured, involve investment
risk, may lose value and are not obligations of or guaranteed by the Eglin Federal Credit Union. CBSI is under contract with
the Eglin Federal Credit Union, through the financial services program, to make securities available to members. FR051316DB6C
April is National Credit Union Youth Month™
Let’s get “Wild About Saving”
T
raditionally, Credit Unions celebrate
one week encouraging youth to save
and this year the national theme is “Let’s
Get Wild About Saving.” At EFCU,
we’ve extended our celebration through
July 31 with two major activities:
Make Deposits
Between April 20 and July 31, EFCU
invites youth to deposit funds to their
accounts and register as an Okaloosa
Saver. This qualifies them for one of six
$50 drawings to be done in Okaloosa
County in August by the Okaloosa
Saves coalition.
Tim Grandberry............................................... Chairman
Richard Dolby.....................................................Secretary
Russ Corbitt......................................................... Member
Verna McBride..................................................... Member
Kevin Pedro......................................................... Member
Steve Sabin........................................................... Member
Thomas Smith...................................................... Member
Your Staff
Jerry Williams........................................ President /CEO
Annie Corbett.........................................Senior VP/CFO
Cathie Staton..........Senior VP Marketing/Compliance
Robin Heintzelman.......Senior VP Mortgages/Investments
Kenny Girot....................Senior VP Branch Operations
Dawn Oravetz.....................Senior VP Data Processing
Tim Farnsworth................ VP Information Technology
Kim Nauta................................... VP Branch Operations
C. Grant................................. VP Accounting/eServices
Gina Denny.................................. VP Human Resources
Ruth Fennell .................. Fort Walton Branch Manager
Joe Baldwin................................. Eglin Branch Manager
Kim Clark............................. Hurlburt Branch Manager
Vivian Gonzalez............ S. Crestview Branch Manager
Bron Ringstad .............. N. Crestview Branch Manager
Lesli Harding..................Mary Esther Branch Manager
Jessica Tomi................Bluewater Bay Branch Manager
Susan Arnold............................ Destin Branch Manager
Loren Stokes...........................Navarre Branch Manager
Myke Brown................................ Mail Branch Manager
Leah Scott.......................... Mortgage Services Manager
Debby Chambers......................Mortgage Compliance/
Collection Manager
Susan Coup....................Accounting Services Manager
Tracy Osborn....................... eServices Branch Manager
Sherry Harlow..................................Marketing Director
Jim R. Appleton................................ President Emeritus
www.eglinfcu.org
Phone Numbers
Open New Account
Main Switchboard: (850) 862-0111
Crestview Residents: (850) 682-6688
Nationwide: 1-800-367-6159
During our celebration between now
and July 31, any youth under 18 who
opens an account, or an existing youth
member who opens a new suffix, will
be automatically registered for a $25
drawing from the branch where they
opened the account. The drawings will
take place in August.
Be sure to stop in with your child
or grandchild…remember, as long as
you’re a member of the Credit Union,
any of your family members — including
tots to teens — can become members.
Opening a youth savings account is a
great way to sock away holiday and
birthday gift money, learn more about
financial responsibility and get “Wild
About Saving.” It’s a gift that can
last a lifetime. For more information
on opening new accounts a Branch
Member Service Representative will
be happy to help you.
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STAR TELLER Direct Line:
Call Main Switchboard,
Option 5
Change PIN 24/7
ATM or Debit Card
call 1-866-665-8716
To Report Lost Cards:
EFCU Debit Card
1-800-472-3272
MasterCard®
1-800-325-3678
Welcome to the EFCU
Field of Membership
Are You Making the Most of
Online Banking at EFCU?
Acentria, Inc.
Allied Medical Concepts, LLC
C’est La Vie Salon LLC
Design Recovery
McNeill Palm, LLC
Premier Media Technologies
Invite a family
or household member
to join EFCU!
Holidays
Offices will be closed to observe:
May 25............................Memorial Day
July 3.......................Independence Day
Remodeling this Spring?
Call Mortgage Services for a Home
Equity Loan at great rates and
low fees, or apply online at
www.eglinfcu.org/mortgages.
U
se online Home Branch service
from the convenience of your
own home to check the balances
on your accounts, order checks
and update your email address.
EFCU’s online Home Branch service
is a secure site so your information
remains confidential.
These enhanced online services
can make your life easier:
•B
ill Payer. You can pay your bills
from the convenience of your
mobile device. Recent enhancements to Bill Payer include a new
dashboard that makes it even
easier to use. See the demo on our
website. Then sign up and start
saving paper, stamps and time.
Bill Payer is free with a minimum
of three completed transactions
per month.
•M
obile Deposits. Depositing
checks has never been easier.
Using your electronic device such
as a smartphone or tablet, you can
deposit checks by photographing
the check and depositing it electronically, hassle-free.
• eStatements. If you’ve ever wished
for a way to reduce your stack of
mail, sign up for eStatements to
view bank statements online. eStatements are stored electronically so
you can look back at previous statements easily — no more searching
through stacks of papers.
• Alerts. You can sign up for alerts
on your account based on your
preferences and receive email
messages notifying you about
withdrawals, changed address
or phone number, NSF fee, loan
payment due, reaching the Reg-D
Transfer limit, and more — select
from a list of 29 alerts.
Dividends Declared
For the first quarter of 2015, the Board of Directors has declared a .15% APY (Annual Percentage Yield) on savings;
and a .05% APY on checking accounts. Dividend rates are declared by the Board of Directors at the end of each
quarter from available earnings. Please contact the Credit Union for further information about other types of share
accounts, rates, terms and fees.
We Do Business in
Accordance with the
Federal Fair Housing
Law and the
Equal Credit
Opportunity Act
Funds in your account(s) with us are insured by the National Credit Union Administration
to at least $250,000 and backed by the full faith and credit of the United States.
Green Powered.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be
accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this
material. Websites not belonging to this organization are provided for information only. No endorsement is implied.
Images may be from one or more of these sources: ©iStock, ©Fotolia. ©2015 Eglin Federal Credit Union.
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