October 2013 - United Bay Community Credit Union

Transcription

OCTOBER ::: 2013
New $100 Bill Coming
October 2013
www.ubccu.org  info@ubccu.org
Lincoln Avenue Office
1309 N. Lincoln Ave.  Bay City, MI 48708
989.892.4597  fax 989.892.5701
Mailing Address
P.O. Box 160, Bay City, MI 48707
Lobby Hours
Monday – Friday: 9:00 am – 5:00 pm*
Drive-Thru Hours
Monday – Thursday: 9:00 am – 5:00 pm*
Friday: 9:00 am – 5:30 pm
Saturday: 9:00 am – 12:00 pm
The $100 bill, which is the most frequent target of counterfeiters, has been redesigned
and will begin circulating this October. In an effort to thwart counterfeiters, the extensive
redesign includes new security
features, such as a 3-D security
ribbon and a disappearing
Liberty Bell in an inkwell. To
view an image of the new
$100 bill or to explore an
interactive note, visit
www.newmoney.gov.
Interest
TAKE
A QUARTERLY PUBLICATION FOR OUR MEMBERS
Euclid Avenue Office
3939 N. Euclid Ave.  Bay City, MI 48706
989.892.4597  fax 989.686.2976
Lobby Hours
Monday – Wednesday: 9:00 am – 5:00 pm*
Thursday: 9:00 am – 7:00 pm
Drive-Thru Hours
Upcoming Events
in the Bay City Region
Halloween Duo at the State Theatre
Join us for United Way’s hosting of Halloween Duo at
the State Theatre in Downtown Bay City. On Sunday,
October 20 at 2:00 PM, bring your little ghosts, goblins,
and witches to a back to back viewing of It’s The Great
Pumpkin Charlie Brown and Alvin and the Chipmunks
Meet Frankenstein.
Pinconning Office
Portage Office
233 W. Center Ave.  Portage, MI 49024
269.381.0336  fax 269.381.1731
Lobby & Drive-Thru Hours
Monday & Tuesday: 9:00 am – 5:00 pm
Wednesday: 10:00 am – 5:00 pm
Thursday & Friday: 9:00 am – 5:30 pm
Planning for Retirement?
Guest speakers will share how you can get
there financially and physically. Join us for a
free seminar sponsored by your area credit
unions.
Nationwide: 1-800-YOUR-OWN
Phone Access Line (PAL): 866.487.7717
Lost or Stolen VISA Card: 800.325.3678
Lost or Stolen ATM/Debit Card: 989.528.2273
Four VISA gift card drawings.
Everyone in attendance is
entered – must be present to win!
•
•
•
•
•
•
30, 20, 15 & 10 year terms
Minimum of 3% down payment
Minimum credit score 680 (3% down)
620 (5% down)
Minimum loan amount 30K
Low PMI costs
Competitive closing costs
FHA Through Quicken:
Food Pantry
Donations
Accepted
* All Bay City offices are closed until 10:00 AM on the third Wednesday of each month for staff training.
** Pinconning office is closed until 10:30 AM on the third Wednesday of each month for staff training.
Guest speakers will be speaking from 6:30-7:15 pm and 7:30-8:15 pm.
Please RSVP to (989) 891-1680
by October 18, 2013
Mattawan Office
Credit Counseling Seminar
Let us know you’re coming!
Conventional Mortgages:
52800 N. Main St.  Mattawan, MI 49071
269.668.6336  fax 269.668.6446
Any questions, please call the State Theatre at 989-892-2660 or United Way
of Bay County at 989-893-7508.
Bavarian Inn Restaurant
Alpine Room • 713 S. Main St.,
Frankenmuth, MI 48734
Tuesday, October 22, 2013
6:30 pm until 8:30 pm
Simplify your loan process with a mortgage
from UBCCU. Our experienced and friendly
staff is ready to help you. UBCCU offers
Conventional and FHA mortgages.
205 S. Mable St.  Pinconning, MI 48605
989.879.1470  fax 989.879.1474
Lobby Hours
Monday – Friday: 9:00 am – 5:00 pm**
Drive-Thru Hours
Admission is one non-perishable item per person
or a cash donation to help get a jump-start on
holiday giving in the community! There will be a
kids Halloween Costume Contest, fun prizes and
give-a-ways.
Frankenmuth
MORTGAGES
•
•
•
•
Minimum of 3.5% down payment
Minimum credit score 620
Quick turn around time
Jill Patterson, Lincoln Branch 989-891-1671
Tara Welke, Euclid Branch 989-891-1631
Lindsey Freng, Mattawan Branch 269-668-6336 ext 1013
Kathy Disher, Portage Branch 269-381-0336 ext 1105
Turn Your Holiday Wishes
into Reminisces!
Affordable financing for all your holiday wishes is just
around the corner at your local UBCCU branch. With our
Holiday Wish Loan, you can get all the cash you need for
everything you want.
Rates as low as
During the month of October,
all branches will be accepting
non-perishable food and toiletry
items. The collected items will be
donated to local food pantries.
Donations may be dropped off
anytime during office hours.
Contact Us:
5.50% APR*
Whether you wish to splurge on holiday shopping,
travel to visit family, or deck your halls, this special
holiday loan can help make all your dreams come true.
Our Holiday Wishes Loan is available from October 15
through December 23. The loan term will be 12 months.
For more information or to apply today, stop by the
Credit Union or visit www.ubccu.org.
*APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score
will determine which rate you qualify for.
Holiday Closings
Veterans Day
Monday, November 11
Thanksgiving
Thursday, November 28
Friday, November 29
Saturday, November 30
Christmas Eve
Tuesday, December 24
Christmas Day
Wednesday, December 25
New Year’s Eve
New Year’s Day
Wednesday, January 1, 2014
® CUAdvantage • 877.799.0784
TAKE INTEREST n 10.13
CREDIT UNIONS
Your
Christmas
Club
Savings
Thursday, October 17, 2013
Over 95 million Americans have already chosen a credit union as their financial
partner because, like you, they are aware of the credit union difference—the way
credit unions place their members’ best interests first and how they offer members
first-rate service and premium rates. But we want to share these benefits with more of
America! And this October, United Bay Community Credit Union will join credit unions
throughout the nation in spreading the good news of cooperative banking with the
rest of our country.
We invite you to ‘Unite for Good’ with us by inviting your friends, family members and
co-workers to join us here at the credit union for International Credit Union Day on
October 17. It will be a great opportunity to show them the credit union difference
and to celebrate that difference together! We hope to see you there.
Holiday Shopping?
If you have a Christmas Club Account,
your accumulated savings and
dividends transferred to your regular
share savings account on
October 1, 2013, just in time for
holiday shopping!
Did you forget to open a Christmas
Club Account for 2013? Don’t worry!
Now is the perfect time to get a
jumpstart on 2014. Just stop by the
Credit Union and we’ll be happy to
help you set up an account for the
next holiday season.
It’s no secret, holiday shopping can get expensive! But with a VISA gift card
from United Bay Community Credit Union, you can be sure to keep your
holiday spending right on track. Since they can be purchased in a range
of denominations, you can choose the value for each one. Sticking to your
holiday budget has never been easier!
Invest in America and Shop America have
partnered to bring credit union members
the golden opportunity to save big this
holiday season. With special offers and
cash-back rewards from over 1,500 of your
favorite online retailers, Shop America
brings your holiday shopping right to
your home.
Macy’s | Crate & Barrel
Best Buy | Wal-Mart
Target | Nordstrom
Dell | And more!
Daylight saving time ends Sunday,
November 3 at 2:00 a.m. Please
remember to set your clocks back
one hour before you go to bed
Saturday night.
The staff of UBCCU would like
to thank our members for their
support for our Relay for Life
fundraising. A donation of
$3157 was raised for Relay for
Life for 2013.
SkipwithTown
Skip-a-Payment!
With the Winter Skip-a-Payment program from United Bay Community Credit Union, you can
choose to skip your UBCCU loan payment(s) for the month of December or January and keep the
extra cash to take a little trip, do some shopping, or whatever you like!
Qualifications:
• You must have $5.00 in your share account.
• You must be current on all loan payments and not have missed a payment by means of an extension in the past four months.
• You must authorize payment of $25.00 per loan payment skipped. If funds are not available, this offer is void.
• The payment you skip will be added to the end of your loan term and normal interest charges
will continue to accrue.
• All signers on the loan must sign the skip-a-payment form.
• Skip-a-payment cannot be applied to VISA payments, real estate loans (Mortgage Loans and
Home Equity Loans), holiday loans or student loans.
To take advantage of Skip-a-Payment, simply complete and return this form 10 days before your
payment to be skipped is due.
Skip-a-Payment Form
Daylight Saving
Time Reminder
Relay for Life
November and December!
with Shop
America
Visit www.lovemycreditunion.org and click
on “Shop America” to start shopping and
saving today.
Save Time & Money with UBCCU.
Visa
Card You can earn Double Reward
Holders Points on your purchases in
Shop the
Holidays
Name
Phone Number
Address
Account #
Payment $
Loan Description
Skip my o December o January payment(s)
o
Enclosed is a check for $25.00 per loan skipped
o
Please transfer $25.00 per loan skipped from my o
Checking* or o
Savings*
I understand that skipping my December or January payment will extend my loan(s) past maturity. Doing so will not
affect my payment record since the skipped payment will be added to the end of my loan. Interest will continue to
be calculated on the outstanding balance. Payment for the $25.00 skip-fee per loan is indicated above. Please note:
Skipped payments, including approved skipped payments, are NOT covered by GAP. In the event of a GAP claim, any
skipped payments will be deducted from the outstanding balance paid off by GAP. Skip-a-Payment cannot be applied
to VISA payments, real estate loans, holiday loans or student loans.
Borrower’s Signature Date:
Co-Borrower’s Signature Date:
Return to:
Skip-a-Payment, Attn: Cindy Tacey, UBCCU, P.O. Box 160, Bay City, MI 48708
Safe Deposit Boxes
are available
Looking for a safe place to keep your
information? Safe Deposit Boxes are available
at the Lincoln and Euclid Branches in Bay City
and at the Pinconning Office. The Safe Deposit
Box sizes vary per office and cost is based on
the size of the box. Stop by your branch
location for size availability and cost.
CREDIT UNIONS
Your
Christmas
Club
Savings
Thursday, October 17, 2013
Over 95 million Americans have already chosen a credit union as their financial
partner because, like you, they are aware of the credit union difference—the way
credit unions place their members’ best interests first and how they offer members
first-rate service and premium rates. But we want to share these benefits with more of
America! And this October, United Bay Community Credit Union will join credit unions
throughout the nation in spreading the good news of cooperative banking with the
rest of our country.
We invite you to ‘Unite for Good’ with us by inviting your friends, family members and
co-workers to join us here at the credit union for International Credit Union Day on
October 17. It will be a great opportunity to show them the credit union difference
and to celebrate that difference together! We hope to see you there.
Holiday Shopping?
If you have a Christmas Club Account,
your accumulated savings and
dividends transferred to your regular
share savings account on
October 1, 2013, just in time for
holiday shopping!
Did you forget to open a Christmas
Club Account for 2013? Don’t worry!
Now is the perfect time to get a
jumpstart on 2014. Just stop by the
Credit Union and we’ll be happy to
help you set up an account for the
next holiday season.
It’s no secret, holiday shopping can get expensive! But with a VISA gift card
from United Bay Community Credit Union, you can be sure to keep your
holiday spending right on track. Since they can be purchased in a range
of denominations, you can choose the value for each one. Sticking to your
holiday budget has never been easier!
Invest in America and Shop America have
partnered to bring credit union members
the golden opportunity to save big this
holiday season. With special offers and
cash-back rewards from over 1,500 of your
favorite online retailers, Shop America
brings your holiday shopping right to
your home.
Macy’s | Crate & Barrel
Best Buy | Wal-Mart
Target | Nordstrom
Dell | And more!
Daylight saving time ends Sunday,
November 3 at 2:00 a.m. Please
remember to set your clocks back
one hour before you go to bed
Saturday night.
The staff of UBCCU would like
to thank our members for their
support for our Relay for Life
fundraising. A donation of
$3157 was raised for Relay for
Life for 2013.
SkipwithTown
Skip-a-Payment!
With the Winter Skip-a-Payment program from United Bay Community Credit Union, you can
choose to skip your UBCCU loan payment(s) for the month of December or January and keep the
extra cash to take a little trip, do some shopping, or whatever you like!
Qualifications:
• You must have $5.00 in your share account.
• You must be current on all loan payments and not have missed a payment by means of an extension in the past four months.
• You must authorize payment of $25.00 per loan payment skipped. If funds are not available, this offer is void.
• The payment you skip will be added to the end of your loan term and normal interest charges
will continue to accrue.
• All signers on the loan must sign the skip-a-payment form.
• Skip-a-payment cannot be applied to VISA payments, real estate loans (Mortgage Loans and
Home Equity Loans), holiday loans or student loans.
To take advantage of Skip-a-Payment, simply complete and return this form 10 days before your
payment to be skipped is due.
Skip-a-Payment Form
Daylight Saving
Time Reminder
Relay for Life
November and December!
with Shop
America
Visit www.lovemycreditunion.org and click
on “Shop America” to start shopping and
saving today.
Save Time & Money with UBCCU.
Visa
Card You can earn Double Reward
Holders Points on your purchases in
Shop the
Holidays
Name
Phone Number
Address
Account #
Payment $
Loan Description
Skip my o December o January payment(s)
o
Enclosed is a check for $25.00 per loan skipped
o
Please transfer $25.00 per loan skipped from my o
Checking* or o
Savings*
I understand that skipping my December or January payment will extend my loan(s) past maturity. Doing so will not
affect my payment record since the skipped payment will be added to the end of my loan. Interest will continue to
be calculated on the outstanding balance. Payment for the $25.00 skip-fee per loan is indicated above. Please note:
Skipped payments, including approved skipped payments, are NOT covered by GAP. In the event of a GAP claim, any
skipped payments will be deducted from the outstanding balance paid off by GAP. Skip-a-Payment cannot be applied
to VISA payments, real estate loans, holiday loans or student loans.
Borrower’s Signature Date:
Co-Borrower’s Signature Date:
Return to:
Skip-a-Payment, Attn: Cindy Tacey, UBCCU, P.O. Box 160, Bay City, MI 48708
Safe Deposit Boxes
are available
Looking for a safe place to keep your
information? Safe Deposit Boxes are available
at the Lincoln and Euclid Branches in Bay City
and at the Pinconning Office. The Safe Deposit
Box sizes vary per office and cost is based on
the size of the box. Stop by your branch
location for size availability and cost.
OCTOBER ::: 2013
New $100 Bill Coming
October 2013
www.ubccu.org  info@ubccu.org
Lincoln Avenue Office
1309 N. Lincoln Ave.  Bay City, MI 48708
989.892.4597  fax 989.892.5701
Mailing Address
P.O. Box 160, Bay City, MI 48707
Lobby Hours
Monday – Friday: 9:00 am – 5:00 pm*
Drive-Thru Hours
Monday – Thursday: 9:00 am – 5:00 pm*
The $100 bill, which is the most frequent target of counterfeiters, has been redesigned
and will begin circulating this October. In an effort to thwart counterfeiters, the extensive
redesign includes new security
features, such as a 3-D security
ribbon and a disappearing
Liberty Bell in an inkwell. To
view an image of the new
$100 bill or to explore an
interactive note, visit
www.newmoney.gov.
Interest
TAKE
A QUARTERLY PUBLICATION FOR OUR MEMBERS
Euclid Avenue Office
3939 N. Euclid Ave.  Bay City, MI 48706
989.892.4597  fax 989.686.2976
Lobby Hours
Drive-Thru Hours
Upcoming Events
in the Bay City Region
Halloween Duo at the State Theatre
Join us for United Way’s hosting of Halloween Duo at
the State Theatre in Downtown Bay City. On Sunday,
October 20 at 2:00 PM, bring your little ghosts, goblins,
and witches to a back to back viewing of It’s The Great
Pumpkin Charlie Brown and Alvin and the Chipmunks
Meet Frankenstein.
Pinconning Office
Portage Office
233 W. Center Ave.  Portage, MI 49024
269.381.0336  fax 269.381.1731
Planning for Retirement?
Guest speakers will share how you can get
there financially and physically. Join us for a
free seminar sponsored by your area credit
unions.
Nationwide: 1-800-YOUR-OWN
Phone Access Line (PAL): 866.487.7717
Lost or Stolen VISA Card: 800.325.3678
Lost or Stolen ATM/Debit Card: 989.528.2273
Four VISA gift card drawings.
Everyone in attendance is
entered – must be present to win!
•
•
•
•
•
•
30, 20, 15 & 10 year terms
Minimum of 3% down payment
Minimum credit score 680 (3% down)
620 (5% down)
Minimum loan amount 30K
Low PMI costs
FHA Through Quicken:
Food Pantry
Donations
Accepted
* All Bay City offices are closed until 10:00 AM on the third Wednesday of each month for staff training.
** Pinconning office is closed until 10:30 AM on the third Wednesday of each month for staff training.
Guest speakers will be speaking from 6:30-7:15 pm and 7:30-8:15 pm.
Please RSVP to (989) 891-1680
by October 18, 2013
Mattawan Office
Credit Counseling Seminar
Let us know you’re coming!
Conventional Mortgages:
52800 N. Main St.  Mattawan, MI 49071
269.668.6336  fax 269.668.6446
Any questions, please call the State Theatre at 989-892-2660 or United Way
of Bay County at 989-893-7508.
Bavarian Inn Restaurant
Alpine Room • 713 S. Main St.,
Frankenmuth, MI 48734
Tuesday, October 22, 2013
6:30 pm until 8:30 pm
Simplify your loan process with a mortgage
from UBCCU. Our experienced and friendly
staff is ready to help you. UBCCU offers
Conventional and FHA mortgages.
205 S. Mable St.  Pinconning, MI 48605
989.879.1470  fax 989.879.1474
Lobby Hours
Monday – Friday: 9:00 am – 5:00 pm**
Drive-Thru Hours
Admission is one non-perishable item per person
or a cash donation to help get a jump-start on
holiday giving in the community! There will be a
kids Halloween Costume Contest, fun prizes and
give-a-ways.
Frankenmuth
MORTGAGES
•
•
•
•
Minimum of 3.5% down payment
Minimum credit score 620
Quick turn around time
Jill Patterson, Lincoln Branch 989-891-1671
Tara Welke, Euclid Branch 989-891-1631
Lindsey Freng, Mattawan Branch 269-668-6336 ext 1013
Kathy Disher, Portage Branch 269-381-0336 ext 1105
Turn Your Holiday Wishes
into Reminisces!
Affordable financing for all your holiday wishes is just
around the corner at your local UBCCU branch. With our
Holiday Wish Loan, you can get all the cash you need for
everything you want.
Rates as low as
During the month of October,
all branches will be accepting
non-perishable food and toiletry
items. The collected items will be
donated to local food pantries.
Donations may be dropped off
anytime during office hours.
Contact Us:
5.50% APR*
Whether you wish to splurge on holiday shopping,
travel to visit family, or deck your halls, this special
holiday loan can help make all your dreams come true.
Our Holiday Wishes Loan is available from October 15
through December 23. The loan term will be 12 months.
For more information or to apply today, stop by the
Credit Union or visit www.ubccu.org.
*APR = Annual Percentage Rate. Experian/Fair Isaac Model Credit Score
will determine which rate you qualify for.
Holiday Closings
Veterans Day
Monday, November 11
Thanksgiving
Thursday, November 28
Friday, November 29
Saturday, November 30
Christmas Eve
Christmas Day
Wednesday, December 25
New Year’s Eve
New Year’s Day
Wednesday, January 1, 2014
® CUAdvantage • 877.799.0784

October 2013 - United Bay Community Credit Union

Transcription

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