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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.

 

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10100 Reisterstown Road
Owings Mills, MD 21117
(410) 998-2323
 
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