Getting the Most from Your Credit Card Getting the Most from Your

December 2015
®
Holiday Loan Special
The perfect gift for the hard to
shop for people on your list.
Even Santa Can Use a Little Help
This Time of Year!
They can be purchased for any
amount between $10 - $1,000 and
only cost $2.25 each.
Borrow up to $3,000
Available at both locations!
Rates as low as:
5.65%
APR*
To best serve
you, please call
ahead for a
large quantity
purchase.
Available until 1/31/2016
* APR: Annual Percentage Rate
Getting the Most from Your Credit Card
the fees that your credit card
5. Watch for Changes in the
company
charges;
like
fees
for
Terms of Your Account
Paying your credit card account
cash
advances,
transferring
on time helps you avoid late
Credit card companies will send
balances,
and
having
a
payment
fees, and helps you maintain a
you advance notices about
returned.
good credit score.
changes in fees, interest rates,
billing and other features. Be
2. Stay Below Your Credit Limit 4. Pay More Than the Minimum
sure to read through these
Payment
If you go over your credit limit on
notices when you receive them.
If you can’t pay your
your credit card, your card issuer
balance in full each month,
Visit with Jen
could charge a fee and increase
try to pay as much as you
about a Visa®
your interest rate.
can. Over time, you’ll pay
Credit Card
3. Avoid Unnecessary Fees
less in interest charges and
from M-O FCU
Read your credit card
you’ll pay off your balance
- no monthly
agreement to learn more about
sooner.
or yearly fees!
1. Make Payments on Time
65th Anniversary Open House
2015 Credit
Union Week
Thank you to everyone who
joined us in celebrating the
credit union movement during
Credit Union Week in October.
We really enjoy seeing all the
extra faces throughout the week!
November 9th, 2015 marked
65 years of serving our
dedicated federal and postal
employees so we celebrated
with an open house at both
of our locations!
Above: shown is
one of the cakes
we served for
this special
occasion.
Below: we also
served coffee,
punch, mixed
nuts, and
homemade
mints.
One of our members was so excited
for our soft pretzels he created himself
a name badge that read: “Official
Federal Soft Pretzel Inspector”
Above: Employees in
the Federal Building
being greeted by Gail
Broer as they gather
to enjoy refreshments.
Big Protection in a
Tiny Chip - Introducing
chip technology for
TravelMoney Cards!
When these cards are used at chip-activated terminals, the
embedded chip generates a one-time use code. This code
is virtually impossible to counterfeit and helps reduce instore fraud. Contact M-O FCU for more information about
these enhanced TravelMoney Cards for your next trip!
⋆
Thursday, December 24th
Federal Building Office Closed
Drive Up Location Closed @ Noon
Friday, December 25th and
Saturday, December 26th
Both Locations Closed
NEW YEAR’S
Friday, January 1st
Both Locations Closed
18th & Dakota Drive-Up
1730 Dakota Ave S,
Huron, SD 57350
Phone: (605) 353-9977
Toll Free: 800-422-9040
Fax: (605) 353-1732
Email: mofcu@santel.net
18th & Dakota Hours:
Mon-Thurs: 8am - 5:30pm
Friday: 8am - 6pm
Sat: 9am - Noon (Drive-up only)
Huron Federal Building
www.m-ofcu.com
Huron Federal Building Hours:
Mon-Fri 8am to 1pm
2 Convenient Locations:
⋆
CHRISTMAS