July 2014 - Members First Credit Union

Transcription

July 2014 - Members First Credit Union
Members First
Credit Union
JULY - SEPTEMBER 2014
It’s Summer time! The kids are out of school,
home loan rates are low, and it’s time to move!
We offer competitive rates on Home Purchase
Loans, no closing cost Home Equity loans, and
Home Re-Finance Loans! Let Members First compete for your next Home Loan and we’ll bet you
save time and money when you choose us! Call or
come by today to find out more!
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Time For A New Car?
Loans subject to usual credit standards.
Auto Loans are our specialty! We will match or beat
other financial institutions rates and we always have
great promotions going on! Whether you financed your
auto somewhere else or want to finance a brand new
auto, let us finance your auto loan with a great rate and
we’ll give you 1% cash back! Either way, it’s a win-win to
get an auto loan with Members First!
Loans subject to usual credit standards. See Loan Officer for complete details on 1% cash back and rate matching.
We Need Volunteer Mystery Shoppers!
How To Qualify...
We are currently looking for new volunteer mystery shoppers for each branch! To qualify: You must have
never been a mystery shopper with us before, you will need an active checking account, be available to visit
a specified branch 3 times per quarter, and not be related to or friends with any employee at Members First.
If you meet these qualifications and are interested in volunteering for our mystery shopper program, please
contact Rachael at rachael@m1st.org or 361-986-6903. It’s important that our mystery shoppers stay
anonymous for the most accurate results, so please DO NOT CALL THE MAIN LINE or state that you want to
talk with someone about the mystery shopper program. Please contact me by e-mail or the phone number
listed above for more information.
Let Your Children Grow With Us!
Children are very important to our future. That’s why we focus on
products to help children recognize how to save money and manage
it. We offer our Kids Klub account to children 12 and under to help
teach them how to save by earning coins for every $5 deposit. With
the coins earned, they can shop in our Kids Klub store to buy
something fun! We also have our student account for children 13
and over or adults that are still in school. Our Grow Up CD is also
available to children under the age of 18 that pays an additional 1%
added to the regular CD rate up to $5000! Let’s work together to
teach our children how to manage money. When you refer a child
to open a Kids Klub account we’ll deposit $10 to get them started!
Below are our Refer-A-Kid slips to pass around!
REFER -A-KID
REFER -A-KID
Refer a child 12 or under for a Kids Klub Account and
we will deposit $10 in their new Kids Klub Account!
Refer a child 12 or under for a Kids Klub Account and
we will deposit $10 in their new Kids Klub Account!
New Members Name: __________________________
New Members Name: __________________________
New Account No.: _____________________________
New Account No.: _____________________________
Referred By: _________________________________
Referred By: _________________________________
Referring Mbrs Acct. #: _________________________
Referring Mbrs Acct. #: _________________________
Teller: ________________ Date: ________________
Teller: ________________ Date: ________________
Dormant Account Notices
It is the policy of Members First Credit Union to review and update
our account records periodically. Our records show that we are
holding unclaimed funds that belong to some of our members.
When an account has no activity for three years, and contact
has not been made with the member within the past year, it is
considered to be a dormant account. Under Texas state law, we
are required to deliver these funds to the Texas Comptroller of
Public Accounts, on or before July 1, 2014 if the funds are not
claimed. If you have failed to make contact with Members First
about your dormant account(s) before July 1, 2014, they have
been closed and turned over to the state of Texas. If you have
any questions please call us at 361-991-6178 for further details.
CHECK-BY-PHONE
A check-by-phone payment is a service that allows members to pay their
time you wish to utilize this service, you will need to call the Collection
Department and provide the following information:
1) Name of your other financial institution along with the checking
account and routing numbers.
2) Certain security information in order for your request to be processed.
Please submit your request before 2:00 pm in order to receive credit on
the next business day. We also suggest that you submit your request
before the due date to avoid any late fees. There is a $5.00 fee for each
check-by-phone request and only the member(s) that are part of the
loan agreement may call in to have their request processed.
If you have questions, please feel free to call our Collection Department
durring normal business hours:
Monday - Friday 9:00 am to 5:00 pm at 361-991-6178 or 800-242-3037.
LOAN RATES
Loan Type
BOARD OF DIRECTORS
APR**
New /Used Vehicles
3.25 - 15.95%
Other Secured
4.45 - 14.95%
Personal
7.90 - 17.90%
Credit Cards
9.90 - 17.90%
Unimproved Property
5.95 - 7.95%
First Mortgage
3.95 - 9.45%
Home Equity
3.95 - 9.95%
Share Secured
Last Share Rate + 3%
CD Secured
Hector Garcia - Chairman
Yolanda Lozano - Vice Chairman
Ray Almaguer - Secretary / Treasurer
Larry Dreyer - Director
Verna Jolley - Director
Mark Kulwicki - Director
Manuel Esquivel III - Director
MANAGEMENT
Greg Fair- CEO
Wanda Muessel - COO
Rachael Storr - Marketing Director
Chris Vega- Collections Manager
Debbie Garza - Loan Manager
Michelle Mendez- Member Service Manager
Eric Flores - SPID Branch Manager
Belinda Reeves- Violet Branch Manager
Brenda Collins- Harlingen Branch Manager
Lauren Walker- Controller
Blake Kemmis - IT Manager
Last CD Rate + 2%
loan. Rates are as of June 30, 2014 but subject to change without
notice. Loans subject to usual credit standards.
We beat other financial
institutions rates! Ask for details!
SHARE RATES
Share Account
APY
Share Savings
0.25%
Kids Klub
0.25%
Money Market
HOLIDAY SCHEDULE
Members First will be closed in observance
of the following holidays:
Independence Day- Friday, July 4, 2014
Labor Day-Monday, September 1, 2014
0.501 - 0.602%
Set Daily
IRA Savings
1.106-1.207%
*Rates for Share Savings and Kids Klub are set at the end of each
quarter for the previous quarter. The rates stated are for the quarter ending June 30, 2014. All other rates are subject to change and
6178 for more information on fees and other conditions which could
change the dividends/interest on these accounts.
VEHICLES FOR SALE
Please call, come by, or check out our website to see
our current vehicles for sale.
For more information on vehicles for sale, please call
Chris at 361-991-6178 or 361-986-6912.
Credit union documents available for review are our
audit summary, IRS Form 990, and credit union bylaws.
ALL OFFICE HOURS
Lobby Hours:
Monday - Friday 9 AM - 5 PM
Saturday 9 AM - 1 PM
Drive Thru Hours:
Monday - Friday 7:30 AM - 6 PM
Saturday 9 AM - 1 PM
OFFICE LOCATIONS
5444 S . Staples St.
Corpus Christi, TX. 78411
Ph: 361-991-6178
Fax: 361-993-1704
Email: info@m1st.org 1430 S. Parder Island Dr.
Corpus Christi, TX. 78416
Ph: 361-882-8841
Fax: 361-882-4060
Email: spid@m1st.org
11166 Up River Rd.
Corpus Christi, TX. 78410
Ph: 361-241-0045
Fax: 361-241-3997
Email: violet@m1st.org 722 S. Loop 499
Harlingen, TX. 78550
Ph: 956-428-8711
Fax: 956-428-3520
Email: harlingen@m1st.org
Mailing Address: PO Box 8590 Corpus Christi, TX. 78468
Toll Free Ph: 1-800-242-3037