Financial News For The Valued Members Of Corner Post Federal Credit Union

Transcription

1 The Corner Post Financial News For The Valued Members Of Corner Post Federal Credit Union Help Spread the Word! Thanks to recent approval from the National Credit Union Administration (NCUA), Corner Post FCU may now serve more people in Luzerne County, PA! You chose Corner Post because you want to be more than just a number. As a member, you get lower fees, better rates, and more free or low cost financial services and products than most banks. Now we can offer these same benefits to more of our neighbors and friends who live, work, or worship in Luzerne County. In doing so, we ll be stronger than ever, with more growth potential for the future. Introduce Your Family To Ours Your family members can join, too, and take advantage of all the benefits Corner Post has to offer. To join, they just need to open a Share Savings Account, deposit and maintain $100 in this account, then immediately start enjoying the many benefits of membership. Check out the winners of our Member Appreciation VISA Gift Card Drawing See page 5 Winter 2013 $ 250 Do You Know Someone Who Could Use A Better Way To Bank? Help us spread the word of better banking through lower fees and interest rates by telling your friends, family, and neighbors about the many great benefits of membership at Corner Post. They ll find information about eligibility on our website and how to join. Let s keep our new members coming in for 2013! What s Inside? 2 Kids Corner 3 Get On The Fast Track 5 President s Message 6 Members-Only Lending Rates

2 Dollar Dog Loves Valentine s Day! Hey, Dollar Dog Kids! Color this page and bring it into the Credit Union anytime during February. We have a sweet treat waiting for you, plus we ll display your masterpiece for everyone to see! Be Mine First Name Age

3 Get On The Fast Track To Financial Fitness Make 2013 The Year You Get Financially Fit! Overindulging during the holidays can make you feel bloated, sluggish, and ready to hide from your credit card bills! If spending and overuse of department store and bank credit cards has your monthly budget flabby and out of shape, find the balance you need to get your finances fit again with help from your credit union. By transferring your higher interest credit card balance(s) to a Corner Post FCU Platinum VISA Credit Card, not only will you lower your monthly payment right away, but you ll do so without extra fees. Transfer your balance(s); you could earn up to a maximum of $80 in cash-back rewards (1% of an $8,000 transferred balance).** Don t Have A Corner Post VISA? Apply For One Today. Stop by the credit union, call us at (570) , or apply online at cornerpostfcu.org. Hurry! This Offer Ends March 31, 2013 VISA Credit Cards As Low As 8.90% APR* Non-Variable Rate In addition to this incredible non-variable low rate, you ll enjoy benefits like: n No Annual Fee n Credit Limit Up To $8,000 n No Cash Advance Fee n 25-Day Grace Period On Purchases n No Balance Transfer Fee Let your money last longer and get stronger with Corner Post FCU! *APR = Annual Percentage Rate. $5.00 application fee applies. **1% balance transfer bonus maximum of $80. The 1% amount will be awarded upon transfer from another financial institution and will be deposited into member s Share Savings Account. Contact the credit union for complete details. Choose Direct Deposit For Your Income Tax Refund Expecting a tax refund this year? If you normally receive a paper check, why not switch to direct deposit instead? If you haven t elected to have your refund directly deposited into your bank account, you may want to consider it this year. It s the safest, fastest way to receive your tax refund. When combined with e-file, direct deposit can put your refund in your account in as few as 10 days. In fact, the IRS typically transmits direct deposits up to a full 7 days before they mail paper checks. Direct deposit to your Corner Post Federal Credit Union Share Draft or Share Savings Account is as easy as 1-2-3: Step 1: Enter Corner Post FCU s ABA Routing Number: Step 2: Check either Checking or Savings. Step 3: Enter your complete Corner Post FCU Account Number. (Please do not enter any spaces or dashes.) If you have any questions about Direct Deposit, call (570) or stop by the credit union. We ll be happy to answer them

4 Bulletin B O A R D Fee Schedule For 2013 Virtual Branch/Home Banking Free Bill Payer Free Teller Line Free ACH NSF (Non Sufficient Funds) Item $30.00 Overdraft Fee (O/D) $15.00 Stop Payment $10.00 Reversal of Stop Payment $5.00 Stop Automatic Deduction for a cycle $10.00 ATM Debit Cards Monthly Service Fee $1.25 Transaction fee - over the allotted 6 per $0.75 NSF (Non Sufficient Funds) Item $30.00 Overdraft Fee (O/D) $5.00 Replacement Card $5.00 PIN Reminder $3.00 Rush Delivery Service for Card or PIN Number $25.00 Dispute Fee st dispute free, thereafter $5.00 Membership And Other Membership Share $5.00 Account Closure (1st 90 days) $10.00 Dormancy Fee (No Activity within 6 Months) $2.00 Bad Address $2.00 History Print Out $2.00 Reprint of Statement $2.00 Corporate Check (Certified or Cashiers) $3.00 Christmas Club Early Withdrawal $10.00 Returned Check (Deposited or Cashed) $15.00 Account Research and Balancing $10/hr $10.00 $5min $5.00 Holiday Closings Martin Luther King, Jr. Day Monday, January 21, 2013 Presidents Day Monday, February 18, 2013 Online Bill Payer Is Easy And Secure If you haven t already tried Corner Post s free online Bill Payer, this is the perfect time. Bill Payer is secure, convenient, and a money-saving way to pay and track bills from the safety and security of Home Banking. Set automatic payment of reoccurring bills and avoid late fees from missed deadlines. n Log into Home Banking and pay bills 24/7 n No stamps or envelopes are required n Bill Payer integrates seamlessly with your Corner Post checking account Enroll In Bill Payer Today It s easy to get started. Complete and turn in an enrollment form to Customer Service. You ll receive a Welcome letter with the security logon and password information required to access this service, then just follow the instructions. To obtain an enrollment form, please contact customer service. Share Draft/Checking NSF (Non Sufficient Funds) Item $30.00 Overdraft Fee (O/D) $15.00 Stop Payment Fee $10.00 Copy of Check $5.00 VISA Application Fee $5.00 Returned Check Payments $25.00 Late Fee (Classic) $20.00 (Platinum) $25.00 Rush Delivery Service $25.00 Wire Transfers Outgoing Domestic $30.00 Outgoing International $30.00 Other IRS levy per levy $ Writ of Execution per notice $ Loan Date Change time per year free, thereafter, per occurrence $5.00

5 President s Letter How Quickly 2012 Went By! With the election and other huge media events to distract us, it seems like we just turned the calendar, but here we are looking forward to a bright and prosperous Congratulations To Our Visa Gift Card Winners! $ 250 Corner Post has three lucky winners who each won a Visa Gift Card in a drawing held December 1, Anya Reese, Albert Petrole, and Patty Phillips, were randomly selected from those members who participated in our Member Appreciation promotion by referring new members and/or expanding their financial relationship with us. A big Thanks! to everyone who helped make this drive a success. Be sure to look for other opportunities in the coming year that could make you a winner, too! Our goal from the beginning has been to provide low cost financial products and services to our members. Now is a good time to review your finances and take a long look at where you can make improvements to save money. Our rates are competitive and included in this issue so you can compare the cost of your current credit card and loan interest rates. Don t pay more interest than you have to. Let us help! With the expansion of Corner Post s community-based charter, we expect to see even more new faces from Luzerne County Safe Deposit Boxes Are Now Available When members ask, we listen! As a result of your requests, we now offer safe deposit box rentals right in our branch on a first come, first serve basis. You can now preserve and protect precious, expensive, or important items that you don t feel are as safe within your home. Please note the following sizes available for immediate rental and the rental fees: n 3 x 5 - $15.00 per year n 3 x 10 - $20.00 per year n 5 x 10 - $65.00 per year We also have 10 x 10 for $ per year, but they are all currently in use. We ll be glad to put your name on our waiting list. Call (570) and speak to a service representative for more information. in our office. Welcome to our new members reading The Corner Post for the first time. Be sure to let us know how we can assist with your needs. On behalf of myself and the entire staff at Corner Post, thank you for choosing us as your financial partner and let s all have a great 2013! RENT ME! Sincerely, Gayle Maisano President/CEO

6 Hours of Operation: LOBBY HOURS Monday & Tuesday: 7:30 am to 4:30 pm Wednesday: 9:00 am to 4:30 pm Thursday & Friday: 7:30 am to 5:30 pm Saturday: 8:00 am to 12:00 pm DRIVE-UP HOURS Monday & Tuesday: 7:30 am to 4:30 pm Wednesday: 9:00 am to 4:30 pm Thursday & Friday: 7:30 am to 5:30 pm Saturday: 8:00 am to 12:00 pm Office: 566 South Main Street P.O. Box 1172 Wilkes-Barre, PA Phone: (570) Out Of Area Toll-Free: (888) Fax: (570) TellerLine: (570) Website: cornerpostfcu.org /13 Marketing Partners, Inc. (888) Rates (Daily, Paid Quarterly) Shares $100 5,000 Shares over $5,000 Holiday Clubs Vacation Clubs IRAs F E D E R A L C R E D I T U N I O N Share Draft/Checking Share Certificates Loan Limits Signature Secured Vehicle Home Equity 1.00%.00% rate changes weekly call for quote APY 1.00% second quarter.00% 20% of gross income $8, maximum $10, maximum $75, maximum $100, maximum Corner Post Federal Credit Union assumes no responsibility for typographical errors. Get On The Fast Track To Financial Fitness! Make 2013 The Year You Get Financially Fit! See page 3 for details. Interest Rates Terms Rates New Vehicles Over $20,000 For Used Vehicles ( ) up to 3 yrs. old NADA book price 80% or 100% Borrow over $20, Used Vehicles ( ) 75% of NADA Book Price 100% of NADA Book Price Used Vehicles ( ) (40,000 or less miles) Based On Book Price Signature And Cosigner 100% Share Secured Home Equity Closed End Home Equity Open End VISA Credit Card VISA Platinum Card 0 24 mos mos mos mos. 60 mos. 60 mos. 72 mos. 48 mos. 48 mos. 60 mos. 1 year 2 years 3 years 4 years 5 years 6 years to 10 years (used for home improvements) 0-36 mos mos mos mos mos mos mos. 2.50% APR 3.75% APR 4.00% APR 80% NADA 4.00% APR 100% NADA 4.50% APR 5.50% APR 6.00% APR 7.00% APR 8.00% APR 9.00% APR 10.00% APR 11.00% APR 6.00% APR 7.00% APR 4.00% APR 4.50% APR 5.50% APR 6.75% APR 3.75% APR 11.00% APR Home Equity Loan Special April, May, June No Closing Cost No Appraisal Fee Interest Rate To Be Determined Auto And Signature Loan Special July Through December Interest Rates To Be Determined 8.90% APR F E D E R A L C R E D I T U N I O N PRSRT STD U.S. Postage PAID Lehigh Valley, PA Permit # South Main Street P.O. Box 1172 Wilkes-Barre, PA 18703