BRANCH 6000 NALC CREDIT UNION

B RANCH 6000 NALC C REDIT UNION
V OLUME
XXXVI J ANUARY
2015
Thank You, Members
Members play an important role in the success of our
credit union. So, as another year comes to a close, we
would like to express our sincere gratitude to the loyal
members who make up our credit union family.
For credit unions who are member-owned and
member-run, members are what it's all about!
Thanks to our dedicated member base, we can continue to do what we're historically known for - providing top-notch service while educating and improving our
local communities and helping the people who live there. Our members understand and appreciate the meaning and worth of a democratically governed, not-forprofit financial cooperative. We thank you for your support and look forward to
providing you and your loved ones with continued quality financial products and
services, along with superior member service, for many years to come.
We Skid You Not:
A Pre-approved Loan Is the Right Choice
Will winter last longer than your vehicle? If you think Old Man
Winter will win the race, turn to the credit union for help. We
have great rates and terms on vehicle loans. With a preapproved loan from the credit union, you can shop around.
Dealers are often willing to wheel and deal in the dead of
winter, especially on a bad weather day.
Always do your homework. Take a look at the April issue of Consumer Reports and
visit websites such as edmunds.com, kbb.com, or Groovecar.com. Armed with information on performance and pricing, and your pre-approved loan from the credit union, you'll be better prepared to make your best deal on a new vehicle, or one that's
new to you.
You can also try Our Partner Enterprise Car Sales for a reliable used vehicle and get
an additional 1.00% off our current rate through January 31, 2015. Driving an
unreliable car can be worrisome, especially in the winter. Make the credit union your
first stop on the way to a safer ride.
Checking At The Credit Union:
Where Less Is More
Less is more when you open a Share Draft (checking account)
at the credit union. Less hassle when you have your recurring
payments deposited directly. Less time in the checkout lane
when you gain convenient access to your funds with your check or debit card. Less
chance of having a check returned for having insufficient funds when you sign up for
overdraft protection. Less money paid for fees and charges. It all adds up to more for
you. So if you haven't checked out checking at the credit union, you're missing out.
We'll make it easy to switch your account from another financial institution. Simply
contact the credit union and we will help you get started and guide you through the
process. You deserve more and you'll find it at the credit union.
P OINTS
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I NTEREST
Thank you
Pre-approved Car Loans
Checking at the Credit Union
Holiday Loans
Protect yourself
Dividend Rates
Getting a Tax Refund?
Cold Weather Saftey
Holiday Closings
Hours
Monday and Thursday
11AM—4PM
Tuesday and Wednesday
11AM—7 PM
Friday
10AM—1PM
Contact Us:
Phone: 631-789-0303
Fax: 631-789-3540
Available 24/7 online at
www.branch6000cu.com
Holiday Loans are
still available
through
February 28, 2015,
Borrow up to
$2,500.00 for one
year @ 5.50%*
(*if Qualified)
Protect Yourself from
ID Thieves
And Fraudsters
Willie Sutton may have robbed banks "because that's where the money
is," but today, thieves are more likely to be stealing personal
information - because that's where the money is. Whether they get
your sensitive information from dumpster diving or stealing your
passwords, they can use it to assume your identity to open up false
accounts, make illegitimate charges, and perform other misdeeds.
Protect yourself from data heists and identity theft with these tips:
1. Before discarding documents with personal information (such as old
account statements or copies of share drafts) shred them.
2. Frequently change your passwords and make them complex.
Password management websites such as KeePass and Password Safe
can help if you have a problem remembering all of your passwords.
Don't use the same password for multiple sites. It makes you more
vulnerable to a data breach.
3. Photocopy your credit and debit cards, including the toll-free number on the back of the card, and keep the copy in a secure
location. If your cards are lost or stolen, it will be less of a hassle to
cancel and reorder them.
Getting A Tax Refund In 2015?
Are you getting a tax refund and wondering what
to do with that extra cash? Here are some
suggestions on how to use your tax refund:
* Start a rainy day fund or if you have one, you
could jump-start your IRA contribution for 2015.
* Pay down credit card debt.
* Invest in yourself by signing up for a class that will improve your
job skills. Or, think about signing up for a type of class that will remove some stress from your life, such as cooking class, craft class,
photography, etc. If you enjoy exercising, then consider joining a gym.
* Tend to some of the things that you have let slide because you
didn't have the money. Maybe a trip to the dentist, eye exam, taking
your pet to the vet, etc.
* Make an extra house payment or pay extra on the principal.
Have Your Tax Refund Direct Deposited into your account our
routing # is 221482481, give us a call if you need any other
information.
Cold Weather Safety Tips
-Dress in layers
-Bring pets indoors
-Keep the thermostat at the same temperature day and night. Your heating bill may be a little higher, but you could avoid a more costly repair
job if your pipes freeze and burst.
-Turn off space heaters and make sure fireplace embers are out before
leaving the room or going to bed.
-Use generators correctly – never operate a generator inside the home,
including in the basement or garage.
-Don’t hook a generator up to the home’s wiring. The safest thing to do
is to connect the equipment you want to power directly to the outlets on
the generator.
-Never use a stove or oven to heat your home.
Dividend Rates
Rate
APY
$50.00 up to $1,999.00
0.10%
0.10%
$2,000.00 and up
0.15%
0.15%
Holiday And Vacation
Club
0.10%
0.10%
Drafts (Checking)
0.00%
0.00%
$2,000.00—$4,999.00
0.25%
0.25%
$5,000.00—$14,999.00
0.40%
0.40%
$15,000.00—$250,000.00
0.55%
0.55%
IRA Accounts
1.00%
1.00%
12 Month
($500 Minimum)
0.55%
0.55%
24 Month
0.90%
0.90%
1.20%
1.20%
Regular Shares:
Special Shares
NEW Tiered Savings
(Special Shares $2,000.00
minimum & $10,000.00
maximum to open account. Maximum of
$5000.00 can be deposited
monthly)
Share Certificates:
($500 Minimum)
36 Month
($1,000 Minimum)
Rates subject to change without notice
HOLIDAY CLOSINGS
Martin Luther Jr.
Birthday
Monday
January 19
Presidents Day
Monday
February 16