Achieve Financial CREDIT UNION

Transcription

1 ~ Achieve Financial CREDIT UNION Serving Members Since 1934 Together W7t> Can.

2 Member Services Service Locations & Hours Our name says it all. At Achieve Financial Credit Union, our mission is to help you Achieve more &om your Financial life. We start with a wide choice of financial products and services that make every day banking simple, plus savings and credit tools that bring your future goals within reach. We continue with personal service beyond anything you would expect. Who Can Join Achieve Financial Credit Union? You can - If you are an employee, registered student, or parent of a registered student of a public, private, or parochial school located in Avon, Berlin, Canton, East Granby, Farmington, Granby, New Britain, Newington, Plainville, Rocky Hill, Simsbury, Southington, or Wethersfield. If you are an employee of any hospital or health care facility in New Britain, Meriden, and surrounding communities, including but not limited to, The Hospital of Central Connecticut, MidState Medical Center, The Hospital for Special Care, Gaylord Hospital, Masonicare, and Grove Hill Medical Center. If you are an employee of many employers in our area who offer membership at Achieve Financial Credit Union as a benefit to their employees. If you are an immediate family member of an existing member. If you are a member of the Berlin Land Trust. Discover how rewarding membership with Achieve Financial Credit Union can be! New Britain 450 West Main Street Monday, Wednesday, Friday... 9 AM to 4 PM Tuesday AM to 4 PM Thursday... 9 AM to 6 PM Saturday... 9 AM to12 PM Drive through open Monday through Friday at 7:30 AM Meriden Cloverleaf Building 1064 East Main Street Monday and Wednesday AM to 4 PM Tuesday AM to 4 PM Thursday and Friday... 9 AM ro 5 PM Saturday... 9 AM to 12 PM Berlin 279 New Britain Road Monday, Wednesday, Friday... 9 AM to 4 PM Tuesday... loam to 4 PM Thursday... 9 AM to 6 PM Central CT State University Student Center 1615 Stanley Street Monday, Wednesday, Friday... 9 AM to 4 PM Tuesday AM to 4 PM Thursday... 9 AM to 5 PM (Hours n1ay vary during the summer months.) Soutbingi;on High School 720 Pleasant Street Monday, Wednesday, Thursday AM to 2:30 PM Friday :30 AM to 3:30 PM (Hours may vary during the sum1ner months.) How Do I loin? Becoming a Member is easy! Visit to becoine.a member by opening your accounts online today or visit one of our convenient service locations. Member Sueport Call Center option 6 Outside local calling area option 6 Monday, Wednesday, Friday... 9 AM to 4 PM Tuesday AM to 4 PM Thursday AM to 6 PM BeComing a Member is easyl Visit to become a member and open your accounts online today or visit one-of our convenient service locations.

3 ATM Locations New Britain Branch 450 West Main Street (Drive Up ATM) Meriden Branch Cloverleaf Building l 064 East Main Street Berlin Branch 279 New Britain Road Central CT State Universicy: 1615 Stanley Street Student Center Entrance Willard Parking Lot HosRital of Central Connecticut Main Cafeteria I 00 Grand Street New Britain Masonicare Main Lobby 22 Masonic Avenue Wallingford ~lord Hoseital Main Lobby Gaylord Farms Road Wallingford MKTG-08 (9/08)

4 Lending Services ~ Are you ready to buy a home or a new or used c.ar? Are you thinking about using the equity in your home to pay for college expenses or remodel your home? ls it tirrie to consolidate bills or finally take that dream vacation? Achieve Financial Credit Union has just the right loan option to meet your needs. Online Loan Application Apply for loans the paperless way in no time flat from rhe comfort and convenience of home. Easily calculate your loan payments using our Online Calculator. Just a few clicks will give you a fast loan decision. Visit to apply. Auto Loans Get rolling toward your car purchase with a new or used auto loan from Achieve Financial. Speedy preapproval of your application lets you shop for the car you can afford. We work with you to calculate the right monthly payment to fit your budget. Personal/Signature Loans When you need a fast loan for immediate needs, a personal loan might be just the right option. Share Secured Loans The funds in your Prime Share Savings Account, Special Savings Account, Money Market Account, or Certificate Account are already working hard for you earning dividends. Instead of withdrawing your funds for unexpected expenses, you can make your money work even harder by using these funds to secure a loan at a low fixed interest rate. First Mortg_age Loans Achieve Financial partners with Mortgage Markets CUSO LLC, a credit union owned service organization, ro provide all the mortgage related services you need whether you are a first time home buyer or a seasoned refinance veteran. We will tailor a home loan to fit your needs and provide the excellent service you expect from your credit union. Home ggwty Loans Use the equity in your home to borrow for college expenses, a remodeling project, or any other major purchase. With no application fees or closing costs on loans over $15,000 and low fixed interest rates, a Home Equity Loan may be just the choice you have been looking for. Home Egui!}'. Lines of Credit A Home Equity Line of Credit is a renewable credit line that allows you to borrow as much or as little of your approved line of credit as you need. Competitive variable interest rates, easy access, and no application fees or closing costs on loans over $15,000 make a Home Equity Line of Credit the right solution for home improvements, emergency expenses that catch you by surprise, or many other needs. Visa Platinum Credit Cards Whether you are shopping online, traveling on vacation or business, consolidating your everyday purchases, or looking for financial security for emergencies, an Achieve Financial Visa Platinum Credit Card offers low fixed rares - with no surprise interest rares hikes - and a choice of personalized benefits. Federal Student Loan Program Achieve Financial participates in the Federal Student Loan Program with guarantor Great Lakes Higher Education Corporation and Affiliates. We can help you access educational materials, understand the different types of Federal Student Loans, and complete your master promissory note... Becoming a Member is easvl Visit to becrilne a member and open your accounts online today or visit one of our convenient service lo'cations: llm!!!lf~ MI Accounts federally insured to $250,000 by the - _ NCUA, an agency of the U.S. Government. 1'.?h Equal Housing Lender MKTG 07 (9108)

5 ,. Checking Accounts & Servic Getting more from your financial life starts with a personal checking account that's truly designed around you. With all the standard featw:es you need, plus the extra value you want, Premium Checking fits you best. Premium Checking No Minimum Balance Requirement No Monthly Fees Direct Deposit MasterCard Debit Card Unlimited fee-free transactions at all Achieve Financial ATMs and surcharge-free transactions at over 25,000 SUM and Co-op Network ATMs nationwide Online Banking -. Bill Payment and Presentment Telephone Banking Earn Dividends On Balances Over $1,000 Overdraft Protection Available Online Statements Direct DeRosit Never stand in a teller line on payday again - save time, save gas, and save money. Sign up for Direct Deposit and your paycheck will be electronically deposited to your Premium Checking Account. It's the quickest way to receive your funds on payday. Debit Card Use your MasterCard Debit Card to withdraw cash fee-free at all Achieve Financial ATMs and surchargefree at over 25,000 SUM and Co-op Network ATMs nationwide. Pay for purchases at millions of MasterCard merchants worldwide and transactions will automatically be deducted from your Premium Checking Account. Use your MasterCard Debit Card to stick to your spending plan and track your account using Online Banking. Online Statements Save time and trees! Receive ac: notification when your statement is ready to view, print, and save. Earn Dividends on balances over $1,000. Online Banking No matter where life takes you, your financial world is only a few clicks away. With Online Banking you can: '" View your account balances and activity Transfer funds Receive and pay bills electronically Schedule transfers and payments to occur automatically Open additional deposit accounts Apply for loans View and print copies of cleared checks View and print statements Order checks And much more! It's fast, secure, and ready when you are at Bill P_gyJllent an4. Pr~~ Stop spending time writing checks and spending money buying Stamps. Sign up for Bill Payment and Presentment. It's easy! Set up a list of regular payees and select the date and amount of each payment. It's the ultimate in banking convenience and control. Telel!hone Banking When it comes to banking at the speed of life, you've got our number. Telephone Banking puts your accounts right at your fingertips instantly and securely with one telephone call. Telephone Banking is available 2417 so you can: Check account balances and activity Request a withdrawal by check to be mailed to you Transfer funds from one account to another Verify deposits and cleared checks And much more! Qy~f.4! t Protection is available to save the embarrassment and hassle of overdrawing your acco~nt. Your Premium Checking Account includes all of these features plus much more! ii'91f.m Accounts federally insured to $250,000 by the NCUA, an agency of the U.S. Government. MKTG-06 (0/08)

6 Electronic Services Introducing banking at the speed of life. Connect to Electronic Banking at and you'll wonder how you ever lived without it. Ftom the speed of Online Banking to the convenience of Online Account Opening, Electronic Banking puts a new world of financial freedom at your fingertips. Online Account Or.ening Open a savings, checking, or certificate account online ~ no need ro spend time driving to a service location. If you are a new member. Visit If you are an existing member: Log on to Online Banking, click on More Online Services, and click on Open a Deposit Account. Just follow the easy steps and fund your new account with an electronic transfer from an existing account at any financial institution or with a credit card. What could be easier? Online Banking No matter where life takes you, your financial world is only a few clicks away. With Online Banking you can View your account balances and activity Transfer funds Receive and pay bills electronically Schedule transfers and payments to occur automatically Open additional deposit accounts Apply for loans View and print copies of cleared checks View and print statements Order checks And much morel Direct DeP-osit Never stand in a teller line on pa)rday again - save time, save gas, and save money. Sign up for Direct Deposit and your paycheck will be electronically deposited to your account. It's the quickest way to receive your funds on payday. Online Statements Save time and trees! Receive an notification when your statement is ready to view, print, and save. Bill Payment and Presentment Stop spending time writing checks and spending money buying stamps. Sign up for Bill Payment and Presentment. It's easy! Set up a list of regular payees and select the date and amount of each payment. It's the ultimate in banking convenience and control. Make one-time payments or set up recurring payments View past and pending payments Receive bills and statements electronically Schedule payments day or night Schedule reminders and notifications And much more! Online Loan A1wlication Apply for loans the paperless way in no time flat from the comfort and convenience of home. Easily calculate your loan payments using our Online Calculator. Just a few clicks will give you a fast loan decision. Teleehone Banking When it comes to banking at the speed of life, you've got our number. Telephone Banking puts your accounts right at your fingertips instantly and securely. Telephone Banking is available 2417 so you can: Check account balances and activity Request a withdrawal by check to be mailed to you Transfer funds from one account to another Verify deposits and cleared checks And much more! Becoming a Meniber is easr.:! Visit to become a member and open your accounts online today Or visit one of Our convenient service locations. 11mst3q~li~ MI Accounts federally insured to $250,000 by the _... - NCUA, an agency of the U.S. Government. MKTG-05 (9/08)

7 Savings Services valuable tax benefits. Individual Retirement Account Certificates offer flexible term options and earn higher dividends at our most competitive fixed rates. Helping you prepare for your financial future is what Achieve Financial Credit Union is all about. With everything from Prime Share Savings Accounts to Individual Retirement Accounts, we offer a variety of savings options designed to meet your needs - and your dreams. You'll rest easy knowing your money is secure, there for a rainy day, and helping you build the future you want to achieve. Your money is safe with us. You can rest assured that your funds are always safe and secure with Achieve Financial Credit Union. All savings deposits are insured for up to at least $250,000 per depositor and all funds deposited to an Individual Retirement Account are insured for up to $250,000 by the National Credit Union Administration, an agency of the United States Federal Government. Prime Share Savings Accounts The foundation of your credit union membership is a Prime Share Savings Account. A deposit of $25 entitles you to one share of the credit union as a member owner and entitles you to apply for all other services offered. Use Direct Deposit to add a little to your savings each pay period and watch your financial future grow brighter every day. fu2ecial Savings Accounts Saving for a special purpose? A special vacation, a wedding, a new home entertainment system, a down payment on a car, or a rainy day - save funds for whatever purpose you choose and see how quickly we can help you achieve your goal. We'll personalize the name of your account to reflect your savings goal. Certificate Accounts Achieve Financial offers a wide choice of terms and competitive dividend rares for funds you don't need ready access to. With terms ranging from 6 months to 5 years and options to add and withdraw funds and even increase your rate on certain terms, our flexible Certificate Accounts let you decide the best way to earn the highest dividends. Smart Starr Certificates Our young members under the age of 19 can earn the highest dividend rates for funds they don't need ready access to with Smart Start Certificates. With low minimum balance requiremenrs, young members can receive the rewards of investing in a certificate that grows with them. Now that's a smart start! Kids Club Accounts It's never too early to teach good savings habits. Children under the age of 13 are eligible for our Kids Club Account, including a savings account, a special newsletter, and other fun activities. Smart Start Accounts Young members between 13 and 18 are eligible for our Smart Start Account, including a savings account, an ATM Card* or MasterCard Debit Card*, a Premium Checking Account *, Online Statements, Online Banking, a special newsletter, and website links designed especially to teach financial responsibility and good financial habits. * With the signature of a parent or guardian Money Market Accounts Earn higher rates on larger balances and watch your money grow. Enjoy ready access to your funds while earning higher dividends and get the most out of your money. Individual Retirement Accounts When it comes to planning for your retirement, there's no better time to start saving than right now, and there's no better way than opening an Individual Retirement Account with Achieve Financial. With regular direct deposits, building your fund is easy and convenient. Best of all, your Individual Retirement Account earnings may be tax deferred or offer other Becoming a Member is easy! Visit to become a member and open your accounts Online today or visit one of our convenient service locations. 11 ~H411fl MI Accounts federally insured to $250,000 by the NCUA, an agency of the U.S. Government. MKTG-04 (9108)

8 ~ your job may come with many rewards, one of the besr benefits is your and your family's eligibility to become members of Achieve Financial Credit Union. Why is a Credit Union better than a bank? > Credit unions are not-for-profit financial institutions > They are wholly owned by accountholder members not stockholders or hedge funds > Their Boards are elected by members; each member has an equal vote > Their sole business is to look after the best interest of their accountholders Why Achieve Financial Credit Union > We are your credit union > We charge fewer and lower fees > We pay higher interest on federally insured savings > We offer lower interest rates on loans > We have ATMs, online banking and all of today's banking conveniences > We always work with you to help you: Achieve Your Financial Goals! Our name says it all. For free checking, better rates and fees, and unmatched safety for your savings, no one does more to help you Achieve! To open an account and become a member or to learn 1nore about our financial products and services, stop by any branch or visit us online at "Wonderful service and low interest rate loans - I'll be a member of Achieve Financial Credit Union for many years to come!" - Greg S. member since 2008 "I've always had top-notch service from all of the employees. The service here is better than any banks I have been in. A+++ Service!" - }t1mie D. member since 1996 ~ Achieve Financial CREDIT U N I 0 N Eq"'I!l~usin~ Lcnd<r l'"l""i Opp<>rnrni ~ lrn<l"

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