What`s Your Real Rate???

SM
4th Quarter 2013
What’s Your Real Rate???
If you’re in the market for a new vehicle, you’re going to like what you see. Auto makers have
stepped up with amenities, advanced technologies, and safety features. All you need now
is a great rate to go with that great new vehicle.
While other financial institutions try to lure you in with their “as low as” rate, when you
read the fine print, you’ll find that you have to jump through hoops to get that rate. For
example, you may need to use automatic payment, or finance for a shorter period of
time, or your vehicle may have to be over a certain amount to qualify for that “as low as” rate.
At Argent, our low-rate vehicle loans come with no gimmicks. Our lowest rate of 1.99% APR* is good
for up to 63 months with no discounts required! Do you have less than perfect credit? We still offer
competitive low-rates, up to 63 months, again with no hoops to jump through!
So don’t fall for the “as low as” rate until you actually read the fine print. To find out what the payment
would be on a vehicle you’re interested in, use the loan calculator on the vehicle loans page of our website,
www.ArgentCU.org. While you’re there, go ahead and apply for a loan. It’s quick, easy and convenient!
Argent Is Different
Argent offers many of the same services you find at other financial
institutions. However, our fees and borrowing rates are lower, and
savings rates higher, because as a credit union, we are a not-forprofit financial cooperative. Simply put, profit-driven financial
institutions like banks must make money to pay stockholders.
Since we don’t have stockholders to pay, ALL credit union
members benefit from the credit union’s financial success.
Wouldn’t you want your family and friends to keep more of their
hard-earned money like you? Invite them to become a member
at Argent by joining online at www.ArgentCU.org. Argent Is
Different – we’re better than a bank!
*APR = Annual Percentage Rate.
The Season of Giving
Let Argent give you a reason to enjoy
this season even more.
1. Take that winter
break and go
someplace fun.
2. Purchase that new
pet your kids have
been wishing for.
3. Renovate that extra room for out-of-town family and/or guest.
4. Purchase that one-of-a-kind engagement ring for the big
announcement.
5. Update those old appliances that are on their last leg.
This season, let Argent help you give your loved ones, or yourself,
that perfect gift. Apply online at www.ArgentCU.org for an
affordable loan today.
Take a Skip-A-Pay Holiday
Let’s face it, this is the time of year when you can use a little extra
cash. Skip-A-Payment on your auto or personal loan and take a
month off. It’s easy! Simply complete the Skip-A-Payment form
on our website and send it in. Visit us online
for more details or
to get started.
Bring your family members out to visit any of our branches on
Thursday, October 17th, which is International Credit Union
Day. We’d love the opportunity to meet them personally and
show them how Argent can make a difference in their lives.
We’ll serve refreshments at each of our locations that day and
look forward to seeing you then.
-AP
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SK AY
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www.ArgentCU.org
Argent Investments & Retirement
Salvation Army
Angel Tree Program
Argent Credit Union is a Corporate
Sponsor of the Salvation Army Angel
Tree Program. Please be sure to visit
our website and Facebook page later
this month for information on how
you can help us help those who are in
need this holiday season.
Our FREE Checking & VISA Debit
Card Combo Just Got Better!
Whatever your stage of life, we are here to help you with topnotch financial and investment advice, and a full spectrum of
tools and options designed to help you achieve your dreams –
all as close and convenient as our office.
Contact the Argent Investments & Retirement representative,
Philip “Tres” H. Moore, III CFP® at (804) 748-9488, ext. 3368 to
arrange a no-cost, no-obligation consultation today.
Securities sold, advisory services offered through CUNA Brokerage Services, Inc.
(CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor.
CBSI is under contract with the financial institution to make securities available
to members.
Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution
Guarantee. Not a deposit of any financial institution.
Tid Bits
s Busch Gardens: Get your discounted Howl-O-Scream and
Christmas Town Busch Gardens tickets by logging into home
banking at www.ArgentCU.org.
s Fall Back: Daylight savings time ends on Sunday, November 3rd.
Don’t forget to “Fall Back” 1 hour.
s Gift Cards: Save time and gas. Get your VISA gift cards from any
of our Member Centers. It’s the perfect gift for the holidays.
Cámbiate a una cuenta gratuita
de cheques de Argent
Anime a su familia y amigos para cambiarse a una cuenta de
cheques gratis de Argent. En comparación con los bancos, los
estudios nacionales muestran que más Uniones de Crédito te
ofrecen chequeras sin comisiones o comisiones muy bajas, el uso de
cajeros automáticos, y sobregiros. Además, una cuenta de cheques
gratis Argent viene con una tarjeta de débito. Es el momento de
hacer el cambio a una cuenta de cheques gratis de Argent hoy!
This article encourages our Spanish speaking members to open an Argent Checking account.
Contact Us
(804) 748-9488
(800) 943-3328
Why do our members love our VISA Debit Card that comes with our
FREE Checking?
Convenience – It’s quicker and eliminates the need to carry cash.
Pay-as-you-go – You have the convenience of plastic without
paying interest.
Zero liability* – There’s zero liability if your card is lost or stolen.
Cash back – Get cash back at ATMs or many merchant locations.
In addition to those great benefits, now you can customize your VISA
Debit Card! Simply upload your personal photo or select an image
from our image gallery and order your card – all online!
Show off your keepsake photos, child’s artwork, favorite hobby/sport,
or memorable vacation. The process only takes a few minutes and
you’ll receive your new card in as little as 7 – 10 business days.
Join the many who LOVE
Argent’s FREE Checking
and VISA Debit Card
combo. Then, reflect
what’s most important
to you by customizing
your debit card.
Visit us online at
www.ArgentCU.org
to find out the cost and
how to customize your card today!
*Certain restrictions apply. Refer to our Electronic Funds Transfer disclosure.
Holiday Closings:
s Monday, October 14th – Columbus Day
s Monday, November 11th – Veterans Day
s Thursday, November 28th – Thanksgiving Day
s Wednesday, December 25th – Christmas
s Wednesday, January 1st – New Year’s Day
Note: All Argent locations will close at 2 p.m. on Christmas Eve - Tuesday, December 24th.
Mailing Address
Email
Web Address
Phone Banking
P.O. Box 72
Argent@ArgentCU.org www.ArgentCU.org (804) 275-6259
Chesterfield, VA 23832
(800) 227-2068
Federally Insured by NCUA.