|
What's New
Seeing is Believing! Rates as low as 4%.
You can do better than your current auto loan! If you have a car or truck loan from another
lender, even if you’ve had it for a while, it’s time that you thought about refinancing with us.
Believe it or not, we could beat your current rate by as much as 3% and save you hundreds of
dollars in interest over the life of the loan!*
Think of the rate you have now. Is it less than competitive? Then it’s time to stop by and do
something about it.
We don’t require a lengthy approval process or verification of your vehicle’s value. To qualify you
for this special offer, all we need is proof you’ve made at least three months of timely payments
on your current car or truck loan. Your new
loan with us will be for the estimated
Wendell Weeks remaining term of your
existing loan and will use a similar
repayment schedule.
To start saving today, simply come
into one of our branches and
speak with a loan officer. Bring a
copy of a recent pay stub, your
vehicle title, a copy of your
original loan contract, a copy of a
coupon or payment statement
and proof that you have
insurance.
All members over 18 who have
accounts in good standing are eligible
for this offer. It is extended through
September 30, 2010.
*Some restrictions may apply. Sorry, this offer is not good
on leased vehicles or existing UMEFCU auto/truck loans. A
4% annual percentage rate is the lowest rate available.
Refer New Members and Clean Up This Spring
If you’re already a UMEFCU member‚ you’re our best advertisement. So tell your family
and coworkers all about the benefits of joining — we’ll reward you for it!
If you refer new members during our promotion‚ you can really clean up. For
every new member who joins because you spread the word‚ we’ll deposit money
in your share account. Just how much can you earn? As much as $105 per new
member! See below for details.
What you could earn just by telling potential members about us:
- $5 for each referral who joins
- $25 for each referral who opens a checking account
- $25 for each referral who opens an IRA share account
- $25 for each referral who takes out a loan or refinances with us*
- $25 for each referral who is approved for a Visa credit card
Cashing in is simple. Just print out a new member referral form for each of your referrals and have them bring their forms to the credit union when they join.
Let your referrals know that they can clean up too. They’ll earn
exactly what you earn: up to $105!
All monies earned for referrals will be deposited into the
Existing Member’s account and the New
Member’s account after the New Member’s
account has been open for at least 90 days. New
Member must set up direct deposit of their net
pay when opening a Share Draft/Checking Account,
and it must be done the same day they open their
new account. All new Share Draft/Checking
accounts are verified through ChexSystems. Some
new members may not be eligible for a
checking account. IRA Share Account must
have payroll deduction of at least $10.00
per pay period and be opened at the
same time the new account is opened.
Existing members who refer New
Members are only eligible to be paid
referrals if they are in good standing
with the Credit Union.
*Referral fee will be paid if New Member receives any
new loan product within 60 days of opening the account
except the Pot O’ Gold loan.
Visa Promise - Our Committment to You
Every new year brings change, but our Visa Commitment Campaign remains the
same. We promise the following to you, just as we did in 2008:
- Our Visa Gold rate will not exceed 9.99% APR for purchases.
- Our Visa Classic rate will not exceed 12.99% APR for purchases.
- We will not change the rate we charge you even if you make a late payment.
- We will not charge you an annual fee to use your card.
- We will not charge you to transfer a balance to your card.
- We will give you a 25-day interest-free grace period when your account
is paid in full.
In other words, you don’t have to look out for any surprises. You can feel secure in
choosing us when opening a Visa credit card account or as a current cardholder.
If you don’t have a UMEFCU Visa card but would like one, you can use the
application on page 4 of our July 2009 newsletter. After you complete it, you can mail or fax it to us or drop it
off at the Credit Union. To do a balance transfer, include a copy of your most
recent credit card statement from your other credit card company.
eStatements - Account statements made e-asier
Getting statements in the mail can be inconvenient,
especially if you want to check your accounts quickly or
repeatedly. That’s where eStatements come in. These
electronic statements are there when you need them—stored securely within our online banking system. And,
you’ll get them as soon as we release them. No waiting
for the mail carrier. Plus, eliminating paper statements
saves us money on paper, ink and postage. To use this
money to better serve you through our products and
services, we may begin charging for paper statements
in the future.
Sign up for eStatements today by printing out the form. Then fill
out the form completely and return
it to us in person, by mail or by fax
to 410-363-3914. You’ll start getting
eStatements during the next
statement period, and we’ll
send you a free credit union
mouse pad.
|
