one point. You can use your points for travel or mer- chandise. This is your opportunity to get an ... NY 10977, Att: No
REFCU News
Fall 2017
Register for the MORTGAGE WORKSHOP
REFINANCE and SAVE!
Wednesday, October 18th 4:30pm - 6:00pm Spring Valley Branch
If you have a car, truck, or SUV, refinance with REFCU and we can beat your current loan rate financed with another lender by at least 1% APR*, saving you a lot of $$$$. Speak to our loan department to see how much we can save you. But hurry! This offer won’t last long. Visit or call your branch today. *APR=Annual Percentage Rate. Offer not valid on auto loans currently financed with REFCU, floor rate is 1.85% APR, may be eligible to save even higher than 1% APR. Must meet credit union lending guidelines.
Join us for a complimentary Mortgage Workshop where you can learn more about the home buying process firsthand. Meet with Jeffrey Avella from OwnersChoice Funding - he will educate you on what you need to know to make the mortgage process as seamless as possible, including information/documents you will need along the way. You will learn about the following: Mortgage Programs for First-Time Home Buyers, about the Mortgage Process, Tips when looking for home, Homeowner Resources. Space is limited, so please RSVP by Monday, October 16th to
[email protected] or visit your local branch. Visit www.refcu.org for more information. This is a great opportunity to learn from the mortgage experts and have your questions answered. Don’t miss this opportunity, register for your spot today!
HOLIDAY PACKAGE Cash-in-a-Flash
Skip-A-Payment
$500 NO CREDIT CHECK LOAN. Apply between December 2 - 15, 2017. Guidelines are as follows: ● Must be a member for at least one year. ● May be required to be employed for at least 1 year. ● A completed application with a recent paystub. ● One time processing fee of $15. ● All accounts must be in good standing. ● Only one Cash in a Flash loan at one time. ● The loan term is 6 months at 25.00% APR*. ● Must meet credit union lending guidelines.
Would you like some extra cash for the holidays?
*Annual Percentage Rate.
This is your opportunity to skip your December loan payment, giving you more cash for the Holidays. Apply between November 1 - 30, 2017. Terms are as follows: ● No negative shares. ● No delinquent loans. ● $20 processing fee for the first loan and $10 for each thereafter. You must have these funds in your account at the time of application. ● Mortgages, home equity, credit cards, loyalty loans, emergency loans and cash in a flash loans are excluded.
AUTO LOAN SPECIAL RATES AS LOW AS
%
1.99 % 2.99
APR* on a new car loan APR* on a used car loan Fall is here and it is time for change, so why not purchase a new auto and take advantage of our Low Rate Auto loans. We know you want the best financing available when it comes to your vehicle purchase. Our competitive low rates will help you save money on your auto loan from the day you drive off the lot. Rates are as low as 1.99% APR* for a new car and 2.99% APR* for a used car. * Rates for this product are as low as stated for a term of 36 months. Other rates and terms available. Rate is based on an evaluation of applicant credit, term, vehicle model year, and loan to value of the vehicle. Total amount financed, term, and use of either MSRP for new vehicle values and NADA book value for used vehicles. Your rate and total amount financed may vary from stated rate and maximum financing. Must meet credit union guidelines.
Sign up for
Courtesy Pay If you are not currently protected by an overdraft with either your checking account or an overdraft line of credit, and you are in good standing with REFCU, Courtesy Pay may be for you! Here’s how it works: the credit union may honor checks, ach or over the counter transactions up to $400. There is a $20 fee per item. To continue using the benefits of Courtesy Pay, the overdrawn balance must be paid within 30 days and must remain positive for a minimum of 24 hours. Ask for details at your branch.
International Credit Union Day Turn the dollars you spend on your REFCU VISA Credit Card into travel and merchandise with ScoreCard® Rewards. All you have to do is make a purchase using your VISA card and watch your points grow! For all new credit card accounts, members will receive 200 BONUS POINTS for the first time they use the card. You have 45 days to earn bonus points from when the account is opened. From December 1 December 31, earn DOUBLE POINTS when you use your card on purchases up to $2,500.
How does it Work? * Visit scorecardrewards. com * Create your profile to login to your rewards account. * Easily keep track of your points through the ScoreCard website. * Redeem points online for merchandise and travel.
Thursday, October 19
International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948. The 2017 International Credit Union (ICU) Day® theme — "Dreams Thrive Here" illustrates how credit union and other financial cooperatives serve as catalysts to make different professions, personal choices and career paths real. The day is recognized to reflect upon the credit union movement's history and to promote its achievements. It is a day to honor those who have dedicated their lives to the movement, recognize the hard work of those working in the credit union industry and show members our appreciation. To show our appreciation, please stop by the Spring Valley branch on Thursday, October 19 from 10am - 12pm for refreshments.
REFER-A-FAMILY MEMBER
Supermarket Sweep When you Refer-A-Family Member to become a member of REFCU, you will be entered into a drawing to win FREE groceries. The person(s) you refer have to open an account with REFCU for you to be eligible to be entered into the drawing. The following family members are eligible to become members: spouses, parents, children, siblings, grandparents, grandchildren and household members (living as a single economic unit). The more family members you refer, the more chances to win. Members, Fritz Bogard and Franky Azor were the two lucky winners from May-August. The next drawing will be in December. Refer-AFamily member today, you might be a lucky winner!
October is Breast Cancer Awareness month. Please make a donation at a teller window when you visit your branch. Your donation goes towards helping the Breast Cancer Research Foundation. Small steps make a whole lot of difference. Thank you for your geneorsity and continued support. Together we can help finish the fight against breast cancer. Make a donation in any of our branches during the month of October.
www.refcu.org
