TOLEDO TEAMSTERS FEDERAL CREDIT UNION - Celebrating 69 Years of Service –April – June 2014 Hello Spring! We have been waiting for you! The spring of the year is a favorite season for many people, and it is certainly easy to understand why this is so. The spring is when the earth comes back to life after a long cold winter, and it is in the spring when the first flowers begin to bloom and the green world begins to return after its winter slumber Get out and enjoy Spring. “Spring is nature’s way of saying, ‘Let’s party!’” ~ Robin Williams Strike a Deal for a Car! Our rates are now lower than ever! Make sure to tell your salesperson that you are a member of Toledo Teamsters Federal Credit Union. Get pre-approved and take the power of your credit union with you when you shop! New Auto loan rates as low as 5.5% APR * Used Auto Loans rates as low as 6.75%APR Good terms, 100% financing, and a low rate…. Always check your credit union first…we match some rates! Financed somewhere else and love the car but not the rate….call us… *depending on year of auto Get ready for VACATION…..Order your credit union VISA      *NO ANNUAL FEE No minimum finance charge No transaction fees for purchases No balance transfer fee No transaction fee for cash advances! No surprises of changing your credit limit or rate! Apply for your VISA Credit Card today. * When entering Toledo Teamsters Federal Credit Union, please remove any hats, hoods, or sunglasses, and refrain from using cell phones. This is one more step in security measures to keep our members and employees safe. Summer is coming! How do we know? Cedar Point is OPENING! Cedar Point Regular Gate Prices $59.99 Our price - $47.00 Savings =$12.99 Opens May 10, 2014 Junior / Senior - $34.99 Our price - $34.99 Soak City -$32.99 Our price - $30.00 2 Day Ride n Slide -$87.99 Our price - $82.00 Ride and Refresh – only available at your credit union - $51.00 DISCOUNTED TICKETS! $2.00 OFF Credit Union Members Order Mud Hens tickets for regular games and receive a discount! Link for Mud Hens: http//www.gameontoledo.com/ticketservices Fun things to do this spring Spring clean – freshening and purging Celebrate Earth Day Start planning for vacation Teach bicycle rules Visit your Zoo Get dirty – plant a garden Code: TTFCU (all caps) EVERYTHING WE DO……..WE DO FOR YOU! Facts You Should Know About Credit Unions What is the difference between the “bank” and what your credit union can offer? 1. NCUA versus FDIC: The vast majority of credit unions are federally insured by the National Credit Union Administration (NCUA), which provides essentially the same insurance coverage on deposits as the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits. 2. Deposit Insurance: Not all credit unions are federally insured by the NCUA. A few states allow credit unions to only have private insurance. All federal credit unions (those with federal in the name) are federally insured by the NCUA. Your funds are insured in each account up to $250,000.00 3. Eligibility: Membership is limited, but joining a credit union is probably easier than you think. All credit unions have a field of membership (FOM) in their charters that defines who is eligible to join. Our FOM is dues paying members, their family members and retirees of Local 20. 4. Member for Life: Once you are a member of a credit union, you can remain a member regardless of what happens to your original qualifications. If you move to a new city or if you change employers, you can remain a member of that same credit union. 5. Share Account: All credit unions require you to maintain a share account with a minimum balance even if you just want a loan. This is typically a savings account, and the minimums range from $1 to $50. Our credit union’s requirement is $5.00 for the minimum balance. 6. ATM Access: Free ATM access can be as widespread as a big bank. Many credit unions belong to nationwide ATM networks. This gives you surcharge-free access to thousands of ATMs around the country. Toledo Teamsters Federal Credit Union belongs to Alliance One. This allows our members to withdrawal funds at no charge. A credit union may not always be a better choice than a bank. Fees may not always be less, and a credit union may not always have the banking product that you're looking for. Nevertheless, credit unions give consumers more choices, and many times you will find better rates and fewer fees at credit unions. In addition, you might be surprised by the accessibility and convenience of the credit unions. ART and HOME BANKING - Using ART and / or Home Banking helps our members balance their accounts faster! Call ART or sign up for Home Banking. Fast, Easy, Convenient!! Most common questions: What is my balance? What was my deposit? What checks have cleared my account? What ATM/Debit transactions have came through on my account? By calling ART or using Home Banking - the credit union hours become 24/7! http://toledoteamstersfederalcu.org ART - Audio Response Teller 419-244-6175 or 419-244-6436 Due to security reasons, balances can no longer be given over the phone. Please use ART or sign-up for our convenient Home Banking. 90-day notice: Beginning January 2014, you will be asked to deposit a fee of $10.00 when applying for loans, if the loan is approved and signed, funds will remain in account. If your loan is denied, the $10.00 will be deducted from your account to cover cost of application.. Also if making an appointment, please keep the appointment at set time. Our loan officers are getting the documents ready for the member, then the member not keeping the appointment. Due to this, there will be a $15.00 charge for no shows. VACATION LOANS….COMING SOON…..STARTING JUNE - AUGUST $2,000.00 12 MONTHS LOW RATE OF 10%