Taking Control of Your Credit Fall 2014

Fall 2014
Taking Control of Your Credit
The mystery of the credit score. How do you attain that ever-elusive “good
number”? And what’s the benefit, anyhow?
Having a good credit score will help you save money and make your life
much easier. You can certainly survive with bad credit, but it’s not easy and
it is definitely not cheap.
Some benefits of good credit are:
• Lower Loan and Mortgage Rates
• Higher Approval Limits
• No Deposits on Cell Phone and Utility Contracts
• Lower Hassle Rental Agreements
• Better Insurance Rates
Taking Control of
Your Credit
Seminar
Thursday, October 30
at Noon
Hosted by:
Eric Heath and
Casey Midgett, our
mortgage specialists
Would you like to learn how to build that magical number? If so, then join us for a free seminar,
Taking Control of Your Credit, on Thursday, October 30 at noon in the GSO Amphitheater
of Saint Thomas Midtown Hospital. You can take steps to learn how to build and maintain
a good credit rating, plus learn how to avoid the pitfalls that can negatively affect your
score. Do you have some credit mistakes in the past? Our experts can help you find ways
to build and repair your credit. If you would like to attend this seminar, please email us
Barry Conatser,
at learn@lifecu.org or call us at 615-230-LIFE. YOU can take control of your credit and
our Liberty Mutual
your financial future!
Meet Barry!
representative, is here
at our branch twice
a month to talk with
you! He is here to
answer your auto
and home insurance
questions. Barry can even see if you
can save more money on your policy.
Since July, Barry has already helped
Life CU members save over
$5,000 in annual premiums!
Barry will be at Life Credit Union
from 10:00am to 2:00pm on the
following dates:
October 15
November 14
November 19
December 17
December 12
You can also contact Barry Conatser
directly at 615-371-6471 or email him
at Barry.Conatser@LibertyMutual.com.
Saving Can Be a Lifestyle!
Savings can come in many shapes and sizes. Life Credit
Union has saving options to meet your life’s needs. If you
don’t know where to start, first determine what is most
important to you.
Are you new to saving? If you are just getting started in the
world of saving, you can make periodic deposits in a regular
savings account, a Christmas/Vacation account or with our
90-day certificate. There is no minimum balance required to
open any of these accounts. The 90-day certificate also allows you
to make a deposit each pay period while earning a more competitive interest
rate. This is an option that you don’t typically find, but we offer it!
Do you need the freedom to set your terms? Our certificates are flexible,
so you can choose the term that best fits your needs. It is so flexible that
you don’t have to conform to the conventional six to 48-month term. We will
be glad to work with you.
Are you concerned that rates may change while your money is in a
certificate? If you are worried about missing higher rates, we have the
“bump-up” option on all certificates 18 months and greater. If rates
increase, this option allows you to bump up the rate once during your term.
Answer these simple questions and you can make saving a part of your
lifestyle! To get started, call Marcey or Susan at 615-230-5433. Address
Life Credit Union
2010 Church Street, Suite 204
Nashville, TN 37203
(MidState Medical Center Bldg.)
Office Hours
Monday, Wednesday........... 7:00am-4:00pm
Tuesday, Thursday................ 8:30am-4:00pm
Friday..................................... 7:00am-5:00pm
Onsite Hours (Metro Center Employees)
Friday.................................... 9:00am-10:00am
Office Phone Numbers
Main Phone................................ 615-230-LIFE
Main Fax.................................... 615-284-4064
Toll-free........................1-877-230-LIFE (5433)
Audio Response Teller Service..615-284-2278
Online
www.lifecu.org
Your savings federally insured to
$250,000. Traditional and Roth IRAs
insured to $250,000 by the National
Credit Union Administration, a U.S.
Government Agency.
47563-News-1014
For the Night Shift
A Life CU representative is on duty in the
Saint Thomas Midtown Hospital cafeteria
on the first Thursday night of each month
from 4:00pm - 8:00pm, unless otherwise
noted. We are there to answer your credit
union questions, as well as to provide other
assistance and support. If you need to
discuss something specific, please contact
us ahead of time, so that we may prepare or
make arrangements for what you need.
Please let us know what we can do for you.
Upcoming dates: N
ovember 6th
December 4th
January 8th
Life CU Holiday Closings
Columbus Day....................................... October 13
Veterans Day...................................... November 11
Thanksgiving Day.............................. November 27
Friday, November 28 Open........7:00am - 12:00pm
Christmas Eve (Dec. 24) Open....7:00am - 12:00pm
Christmas.............................................December 25
New Year’s Eve (Dec. 31) Open....7:00am - 2:00pm
New Year’s Day......................................... January 1
More Life on the Go! Mobile Deposit & Mobile Money
Your life is busy...Take us with you!
x2
Life Credit Union’s mobile banking features just got better,
multiplied by two! We first introduced Mobile Money, our mobile
banking service, in 2012. Now, we are pleased to introduce you
to Mobile Deposit!
You can now enjoy the ease and convenience of making a deposit,
without having to leave your chair! Life Credit Union’s mobile
deposit app is the easy way to deposit checks without driving to
the credit union or putting checks in the mail. Simply use your
smartphone* with our Mobile Deposit app to take a snapshot of
your endorsed check, and then click. Deposit made! Simple!
Mobile Deposit is available to qualified members. Applications
are available at our website. Visit www.lifecu.org to get your application
or come by the branch.
*This app is available with an iPhone ® or Android™ camera-enabled device.
If you haven’t signed up for Mobile Money yet, why not get started now?
Mobile Money, our mobile banking service, is the ultimate on-demand tool. With
the app, you can stay connected to your Life Credit Union accounts using your
smartphone. Check your balances, transfer funds, and even pay bills, all in real-time…
whenever you need it and wherever you happen to be. Even if you don’t have a
smartphone, Mobile Money also has the capability to send your account balances
and transaction information via text message.
With Mobile Money, your information is fully secure. Utilizing multiple layers of
authentication, you’ll never have to worry about the wrong people getting your
information. A personal password and phone activation code keep your
information safe.
Ready to sign up? It’s easy! To enroll, go to www.lifecu.org and log on to
Virtual Branch (our online banking service) and select Mobile Money from the
Self-Service tab.
Mobile Deposit and Mobile Money...Double the convenience and double the
access to your accounts, all from your mobile phone. Our mobile apps are super,
to the second power!
Scrubs Collection
Success
Many thanks to the members who
donated their items for the Scrubs
Collection Project hosted by Life
Credit Union. Nearly 400 scrubs
were donated! They were gratefully
received by multiple local nonprofit organizations, such as Health
Occupations Students of America
(HOSA) and Project CURE. Scrubs
were also donated for patients leaving
Saint Thomas Midtown Hospital who
don’t have clothes for their trip home.
Further donations were made to
some members’ loved ones who were
serving on mission trips.
Thanks to the members who
recommended the idea for this
initiative. Do you have suggestions
for collections to benefit other local
nonprofit groups? Contact Anne
at 615-230-LIFE, ext. 1030.
talk about savings.
say hello to the Sprint Credit Union Member Discount.
Consumers
Save
Businesses
Save
10% 15%
or
On select regularly priced Sprint monthly service.
Plus, waived activation & upgrade fees (up to
$36 in savings each).
Learn more
• Call: 877.SAVE.4.CU
• Visit: www.SprintStoreLocator.com
• Click: LoveMyCreditUnion.org/Sprint
Be sure to mention this code for your
discount
• Consumer: NACUC_ZZM
• Business: NACUC_ZDS_ZZM
Credit union membership validation
is required.
Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL
Discount: Available for eligible company employees or org. members (ongoing verification).
Discounts subject to change according to the company's agreement with Sprint and are available
upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/addons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700.
Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans.
Restrictions apply. See store or sprint.com or www.lovemycreditunion.org/Sprint. ©2014 Sprint.
All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property
of their respective owners.
2014 Sprint Item #800-20
©2014 CU Solutions Group 080614 3124