“People Helping People” - Beloit Municipal Credit Union

Financial
f o c u s
Newsletter Winter 2015
Please watch your mailboxes; the necessary tax reporting
forms will be sent separately from your December statement
in an envelope marked “Important Tax Information.”
MCU Annual Meeting
Help us celebrate
81 years serving our
Members!
WATCH
====================
BOXES!
WHEN:
April 26, 2015
Social Hour: Noon
YOUR MAIL
1099 INT– You will receive this form if you were paid
dividends of $10 or more on any saving account by the
credit union.
1098-You will receive this form if you paid interest of
$600 or more on any loan that is secured by real estate.
1099R-This form reports distribution of any IRA funds
that were made during the year.
Carefully examine your statements for accuracy and to verify your Social Security
Number is correct. Contact MCU immediately if there is any discrepancy.
Buffet Luncheon at 1 p.m.
Business Meeting at 2 p.m.
WHERE
Domenico’s Banquet Hall
====================
COST:
$12 Per attendee
HOLIDAY LOAN SPECIAL 6.99%
UP TO $5,000 FOR 12 MONTHS
Through 2/28/2015
APR=Annual Percentage Rate. Payments on a $5,000 loan for 12 months =$432.66
$4,000 @ $346.13, $3000 @ $259.60, $2,000 @ $173.06 and 1,000 @ $86.53.
Stop in or call for more details
“People Helping People”
Financial Focus is published for the members of Municipal Credit Union
1154 Cranston Road, Beloit, WI 53511~ Phone 608-362-6172~Fax 608-362-8106~ E-mail address: municu@municu.com
E-Statements
Secure. Convenient. Free.
A paper statement is simply a waste of
paper and your valuable time.
E-Statements are so much more convenient
and are more secure than the statement you
receive by mail. For record keeping, just
save the e-statement to your computer.
Make your busy life a little easier.
Enroll in e-statements today!
DO YOU HAVE QUESTIONS ABOUT OUR
MASTERCARD REWARDS PROGRAM?
THE ANSWERS TO YOUR QUESTIONS
ARE BELOW!
Q. What is the Want Rewards™ Rewards Program?
A. The Want Rewards™ Program is an incentive promotion that offers registered
participants the opportunity to earn points for qualifying activities. Participants
may redeem points for a wide variety of consumer goods, as well as, individual
travel from our online catalog of awards.
Q. How does the Want Rewards™ Rewards Program Work?
A. Qualified Participants will be awarded points for eligible activities (please see
the “Rules” page). Points may be redeemed for items in our online catalog.
Q. Who is eligible for the promotion?
A. A credit union member who’s activities earn points (please see the “Rules”
page).
Q. Why do you request my personal information when I enroll?
A. When enrolling, you will provide us with personal information that will be used
in relation to awarding you points in the program and fulfilling your redeemed
points for merchandise. Your credit union may use your email address to communicate credit union offers with you. It is your responsibility to maintain the
accuracy of your contact information through the "Profile" page of this website.
Updating your information in the Want Rewards™ Program will not update your
information at your credit union.
Q. How do I earn points?
A. Please see the “Rules” page for a list of activities that earn points.
Q. How do I redeem my points?
A. After earning points, login to your personal account on this website with the
email address you used when enrolling and the password you selected then.
Once you’ve successfully logged in, click the “Shopping” tab in the top menu to
browse or search the online catalog or click “History” to view available points,
awarded points, points spent, and item details on your redeemed points. When
you have located the item you wish to redeem points for, you can checkout then
or add more items to your online award shopping cart. Then, update or confirm
the shipping address and your awards will soon be on their way!
VEHICLE
YEAR
TERM
2012 TO 2009 TO
2014
2011
2008 & OLDER
24 MONTHS
1.99%
2.49%
2.99%
36 MONTHS
1.99%
2.49%
2.99%
48 MONTHS
1.99%
2.49%
2.99%
60 MONTHS
2.24%
2.74%
54 @3.24%
72 MONTHS
(OVER 18,000)
2.49%
2.99%
N/A
Benefits of Credit Union Membership
We have brochures on Health, Life, Auto, Home,
Accidental Death and Disability Insurance in the
lobby at Municipal Credit Union.
TruStage is insurance the credit union way. Our products and
programs are made available through TruStage Insurance
Agency and offered only to credit union members. Today, more
than 15 million members rely on us for our products, programs,
services, expertise and experience. With a commitment to
dependability and a members-first philosophy, we help you
protect what matters most.
TruStage is part of CUNA Muntual Group, which has been
serving credit union member for nearly 80 years.
Do you have questions about
Student Loans, Fraud or Scams?
Stop in our Lobby and pick up one or more of the Free Brochures
and booklets in the lobby regarding these items. Learn how to
protect yourself from fraud!
Are you Managing someone else’s money or do you
need information on Financial Exploitation?
We are offering free booklets to our members on information
and tips to help prevent common frauds, scams and other types
of financial exploitation to our members. If you are a court
appointed guardian and are managing someone else money you
may want to pick up the booklet “Managing Someone Else’s
Money” . You will find brief tips to help you avoid problems and
resources for finding more information.
Financial Focus is published for the members of Municipal Credit Union