View Fall 2015 Edition - Total Community Credit Union

Member News
Fall 2015
A Newsletter for the Membership of
Total Community Credit Union
Welcome to Our New President/CEO!
Total Community Credit Union is proud to welcome Susette Schirm, our new President/Chief
Executive Officer! Susette started working for us in June; previously, she was the CEO at Materion
Federal Credit Union in Elmore, Ohio. We are excited for someone with Susette’s experience and
enthusiasm to be at the helm.
Susette Schirm
“I’m thrilled to be a part of this thriving organization, and I look forward to working with our team
to continue to offer competitive products and services to our members,” Schirm said.
As always, Total Community is committed to bringing members continued progress in benefits and
services to meet your financial needs. Susette brings us a new perspective to follow that mission. At
the same time, we extend a heartfelt “thank you and good luck!” to Phil Matous, our previous CEO,
who retired. Phil served for 35 years and is now planning to travel and enjoy spending time with his
family. We thank him for his service and wish him the best!
1.99% APR*
Car Loan Special Extended!
Low rate includes new, used cars, trucks, SUVs
The leaves may have changed colors
by now, but our summer Car Loan offer
is sticking around for autumn! We’re
extending our New and Used Car Loan
Special with rates as low as 1.99% APR*
with terms up to 60 months! This offer
includes trucks and SUVs, too. If you
already have a vehicle loan at another financial institution,
see if we can refinance it to save you money! Winter is a bad
time to own a gas guzzler or a junker that could break down.
Take advantage of our low-rate Car Loan this Fall! See our Loan
Department for more information or to apply. This offer ends
November 15, 2015.
*APR = annual percentage rate. A sample monthly payment on a car loan of $20,000 for a term of 60
months at a rate of 1.99% APR would be approximately $350.00. Loan rates are determined by term
of loan and personal credit history. All rates and promotions are subject to change without notice.
This promotion is for new or used vehicle loans years 2009-2016. Existing loans from TCCU do not
qualify for this promotion. Refinanced vehicles must be from another financial institution. Credit life
and disability Insurance is available to members at minimal cost.
Phil Matous
Holiday Helper Loan
Chances are you don’t have your own personal elf
to make your holiday gifts. So most people could
use a little help to afford all those seasonal extras
– or just to avoid falling behind on bills! Total
Community CU lets you borrow up to $2,000 for a
12-month term at 12.99% APR*. Use the money
however and wherever you wish. Don’t cave to
high-interest credit cards or missing out on a
visit to loved ones far away when we can make it
affordable! Stop in, call or visit
the website to apply for our
Holiday Helper Loan. Offer ends
December 31, 2015.
*Annual Percentage Rate. A sample monthly
payment on a Holiday Helper Loan of $2,000 for
a term of 12 months at a rate of 12.99% APR
would be approximately $178.64. Loan rates are
determined by term of loan and personal credit
history. All rates and promotions are subject
to change without notice. Credit life
and disability Insurance is available
to members at minimal cost.
Total Community CU Privacy Notice
Holiday
Closings
Columbus Day - Monday, October 12
Veterans Day - Wednesday, November 11
Thanksgiving Day - Thursday, November 26
Day After Thanksgiving - Friday, November 27
Christmas Eve - Thursday, December 24
Christmas Day - Friday, December 25
New Year’s Eve - Thursday, December 31(close at 1:30)
New Year’s Day - Friday, January 1
Federal
law requires
us toattell
ion is available
on our website
http://
you
how
we
collect,
share,
xx
and protect your personal
information. Our privacy policy has not
changed and you may review our policy
and practices with respect to your personal
information at the website listed below or we will
mail you a free copy upon request if you call us at
(800) 291-3003. The credit union’s privacy-sharing
policy information is available on our website at:
www.tccu.us/files/tccu/1/file/TCCU%20Privacy%20Disclosure%202013.pdf
Christmas Club Checks
will not be mailed this year. We will
leave the funds in your Christmas Club Account so that you can transfer the
funds to your checking account using Home Banking/Mobile Banking or
PAT at your convenience. We have recognized that in the past, we
mailed checks to members, and then members had to visit the credit
union to deposit the checks, so we’re making it easier for you!
Holiday Skip a Pay
Qualified members can skip their loan payment in
November or December by paying a $30 fee for each
loan payment skipped.
It’s easy- just call our Loan Department to see if you
qualify, and we’ll take care of the rest!
There is a $30.00 processing fee for each loan which may be deducted from your
savings or checking account. Processing fees may not be added to the loan. Your loan
must be at least 6 months old with a current payment status. Interest will continue to
accrue and the skipped payment may cause the loan to extend beyond the scheduled
payoff date. Your November or December 2015 payment may be skipped. Two skipped
payments per year. Request must be made prior to payment due date. Excludes
mortgages loans, home equity loans and lines of credit, and VISA. Skipped payment
may affect future GAP insurance claims.
www.tccu.us
25155 Goddard Road • P.O. Box 547
Taylor, MI 48180
Phone: (313) 291-3300
National Phone: (800) 291-3003
Fax Number: (313) 291-2064
Watch for our new
website coming
soon! You’ll be able
to see promotions,
loan specials, savings
& loan rates, loan
promotions and more!
Hours:
Monday - Thursday: 10:00AM - 5:30PM
Friday: 9:00AM - 6:00PM
Saturday & Sunday: Closed
Serving anyone who lives or works in Michigan, and their families.