MEMCU Insurance - Members Credit Union

MEMCU Insurance - Members Credit Union

www.memcu.com
In This Issue:
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MEMCU Insurance
Thomasville Grand Opening
Christmas Club Checks
Scholarship Applications
Ashley’s Mortgage Minutes
Holiday Schedule
Holiday Skip-a-Pay 2015
El Rincón Latino/Latino
Corner
MEMCU Insurance
Insurance coverage is a complex
topic and sorting through all
the providers and insurance
products available can be
mind boggling. Thanks to your
membership at Members CU,
you have MEMCU Insurance
on your side to help you find the
right insurance coverage at the
right price.
Call Donna Stinson,
our MEMCU Insurance
representative today.
1-800-951-8000, x 141
November 1, 2015
New Thomasville Branch Grand Opening
Join us on Friday, November 20th from 11 AM to 3 PM to celebrate
Members CU’s new location at the Southgate Shopping Center. The
new branch has a spacious lobby and is conveniently located near
grocery and retail outlets with ample parking spaces. J.R. Snyder from WSJS will
be broadcasting live on location. Also, we will serve hot apple cider, cupcakes and
more. Additionally, we will have a raffle basket full of items from local shops in
the Southgate Shopping Center.
To be entered to win the raffle basket, members will be asked to sign up for
eStatements! eStatements is popular with people who love convenience,
conserving resources and saving time. This free service allows members to
securely access their monthly financial statements 24/7 through our secure
online banking service, MCU@Home. When your statement becomes available,
Members CU will send you an email notification to log on to MCU@Home and
view your current statement. You have access to your statement 24/7, you’ll
receive your statement fast and we will archive your statements electronically for
18 months. If you are already signed up for eStatements, you will still be able to
enter the raffle.
A Members CU informational booth
will also be available for anyone
that has credit union questions or
concerns.
OLD BRANCH
New Address:
1033 Randolph Street
Suite 21
Thomasville, NC 27360
New Hours of Operation:
8 AM to 5 PM, Monday - Friday
Same Phone Number:
336-475-5922
NEW BRANCH
Credit Unions Look Out
for the Little Guy!
Map from old Thomasville branch to new
Thomasville branch
Members CU
for November
December
DoHoliday
You Schedule
Have Your
Bases& Covered?
Christmas Club Checks
Members who have chosen to have their Christmas Club
money transferred to their credit union savings or checking
account will have the funds available on November 1.
Members who have elected to have a check mailed to their
home address should receive their check by November
10. Members who do not receive their Christmas Club
check by November 16 may call 800-951-8000 to have it
reissued.
Members who have less than $100 in their Christmas Club
Account will not receive a mailed check and the money will
remain in their Christmas Club Account. Members who have
elected the transfer option will have the balance of their
account deposited to their selected credit union account,
regardless of the amount.
Hello Credit Union Members!
Did you know that Fairway accepts FHA home loan
applications for borrowers who lack traditional credit
scores? Verifiable non-traditional accounts can include
Telephone, Gas, Electricity, Water, Cable & Internet
Services, as well as rental payments. Don’t let the lack
of traditional credit scores keep you from your dream
of homeownership! Call me for more details today. I’m
always available to
answer any mortgage
questions you may have.
Scholarship Application
If your child is a member of Members CU and plans to
enroll as a full-time student in an accredited college, he or
she is eligible to apply for a Members CU Scholarship.
Eligible members who plan to attend college during
the 2016-2017 academic year should complete our
scholarship application and return it to Members CU
by March 18, 2016. Scholarship applications will be
available on November 1, 2015 and can be found at
www.memcu.com/forms-tools, or you can call
800-951-8000 to have an application
mailed to you.
Scholarship winners will be
notified in mid-May and the funds
will be distributed directly to the
school the member is attending in
mid-July.
For the 2015-2016 academic year,
Members CU awarded 13
scholarships that totaled $14,500.
In December, Members CU’s offices
will be close at 12 PM on Thursday,
December 24 and remain closed on
Friday, December 25 to observe
Christmas. We will also close at 12 PM
on Thursday, December 31 and remain
closed Friday January 1, 2016 for New
Year’s Day.
While our offices are closed our online
banking, online bill pay, mobile banking
and telephone banking services will still
be available 24/7.
If your VISA Debit Card is lost or stolen
please call 1-866-333-4740.
Sending your child off to college is an exciting time that
shouldn’t be overshadowed by “How are we going to pay
for this?”
Members CU has been providing funds to help members
continue their education since 1996. A college education
is one of the most important investments a person can
make and Members CU is dedicated to helping its
members with that investment.
All Members CU’s offices will be closed
on Tuesday, November 11 to honor
Veterans Day. We will also close all
offices on Thursday, November 26
and Friday, November 27 to observe
Thanksgiving.
www.LoansByAshley.com
We hope you and your family have a safe and happy Veterans Day and Thanksgiving!
* Note: If MCU’s offices are closed on a day that the Federal Reserve is open, all normal daily processing will take
place. This includes (but is not limited to) clearing of checks presented against MCU member accounts, all electronic
(ACH) transactions, Visa credit transactions, and ATM transactions. The Federal Reserve is open November 27.
Ashley
Ashley McKenzie-Sharpe
Senior Loan Officer NMLS#100776
Office: 336-748-4599
Cell: 336-575-9448
Email: [email protected]
NMLS#2289
Holiday Skip-a-Pay 2015
November and December can be two of the most financially stressful months of the year.
Holiday travel, purchasing gifts, mailing cards, and planning parties for Thanksgiving and
Christmas can easily break your budget at the end of the year. To reduce your financial stress,
Members CU is offering the Holiday Skip-a-Pay program. This program allows members to
extend either their November or December due date on most Members CU, non-mortgage
related loans, without any fees or penalties by one month.
Members who wish to take advantage of this program
should call their local Members CU loan officer or corporate loan officer at
800-951-8000, ext. 256. Please view our contact list for branch phone numbers
or MCU@Home users may send a secure message through MCU@Home.
You may also email [email protected] the following information:
Name; Address; Type of Loan; and Loan Month to be skipped (November or
December) to take advantage of our Holiday Skip-A-Pay program.
Please do not email Holiday Skip-a-Pay requests with personal information
(account numbers or Social Security Numbers) to any Members CU employee.
El Rincón Latino
Este gran país que nos acogió, ha producido grandes personajes como
Benjamin Franklin quien ademas de político, inventor, pensador y escritor,
fué un hombre muy rico. A lo largo de su vida hace cerca de 225 años, nos
fué dejando pensamientos alrededor de lo que realmente significa ser rico,
pensamientos que tienen validez hoy en día.
1. Recuerde que el crédito es dinero.Si debe, no lo tiene. Si le deben, tiene
ese dinero.
2. Prefiero acostarme sin cenar, que habiendo incrementado mis deudas.Si
no tiene con que pagarlo, simplemente no lo compre
3. Si quieres saber el valor real del dinero, trata de pedir un prestamo.
Quien paga lo que debe sabe lo que tiene.
4. Es rico, aquel que goza con lo que tiene. Aprenda a disfrutar con lo que
tiene.
5. Lo que necesitamos nunca es igual a lo que deseamos. Generalmente
vale mas lo que queremos que lo que realmente necesitamos.
6. Aquel que basa su economía en ganarse la loteria, no estará nunca seguro
de si va a tener una próxima cena.Peligroso pensar que va a cubrir los
gastos con un golpe de suerte.
7. La felicidad realmente se encuentra en las cosa que a diario
proporcionan alegría y placer mas que en los golpes de fortuna. La vida se
pasa mientras usted espera que algo pase en su vida.
8. El dinero jamas ha hecho ni hará feliz a nadie. No hay nada en su
naturaleza que proporcione la felicidad. Entre mas se tiene mas se desea.
El dinero hace las cosas mas faciles pero en si mismo no es el que hace la
felicidad.
9. Si sabe gastar menos de lo que gana, tiene la piedra filosofal. La clave
para tener éxito en nuestro presupuesto
10. Haber sido pobre no es vergonzoso, avergonzarse de haberlo sido, si lo
es.Nunca se sienta mal por lo que ha tenido que pasar, mas bien sientase
orgullozo.
11. Rico no es aquel que acumula riqueza, sino quien la disfruta.Lo que
importa no es cuanto se tiene sino como utiliza el dinero para ser feliz.
12. No permita que la riqueza sea la
que dicte su vida.El dinero amarra y
exclavisa, es una herramienta, usted no es
la herramienta.
13. Cuando uno no se prepara para los
gastos, lo que hace es prepararse para el
fracaso.
No es facil prevenir un gasto sorpresa,
pero hay que hacerlo, para que no nos
golpié cuando venga.
Members CU’s
Current Rates
Loan Rates
(Rates shown as Annual Percentage Rate)
Fixed Rate Loans
New Car or Truck............... as low as1.75%*
Used Car or Truck............... as low as1.75%*
* Rate is subject to qualifications.
Variable Rate Loans
Boats and RVs....................................7.75%
Visa Credit Card, Personal Loan or
Unsecured Credit Line...................... 10.50%
Equity Access.................................... 5.50%
Savings/Certificate Secured................ 2.25%
Savings Rates
(Rates shown as Annual Percentage Yield)
Share, Trust, & Custodian Accts........... 0.15%
Checking Accounts............................ 0.05%
Super 60 Savings.............................. 0.30%
Money Market Accounts..................... 0.20%
Christmas Club.................................. 0.05%
IRAs.................................From 0.30-0.80%
5-Month Certificate........................... 0.15%
6-Month Certificate........................... 0.20%
12-Month Certificate......................... .0.30%
18-Month Certificate.......................... 0.40%
24-Month Certificate.......................... 0.50%
36-Month Certificate.......................... 0.70%
60-Month Certificate.......................... 0.80%
NOTE: Rates shown throughout this publication
were in effect at press time, but are subject to
change without notice. Current rates can be
obtained via the contact information below.
Members Credit Union
2098 Frontis Plaza Blvd.
P. O. Box 5297
Winston-Salem, NC 27113
(336) 748-4800
(800) 951-8000 (toll-free)
www.memcu.com
Federally Insured by the NCUA