worth News . noting Serving The Academic Community Since 1936 013 April 2 With An AECU MasterCard® Credit Card Get 1% Cash Back! * When big balances and high interest rates make your budget fall flat, Academic Employees Credit Union can help you put the spring back into your savings! Transfer your high-interest balances to an AECU MasterCard Credit Card, and you’ll receive 1% cash back!* You’ll bounce back from budget clutter and high costs with just one monthly statement, no service charges and no balance transfer fees! Check out these card features: • Enjoy fixed interest rates as low as 7.9% APR** • Pay no annual fees or balance transfer charges • Receive convenient service in our branch, over the phone or online Plus, you can use your AECU Platinum MasterCard Credit Card on future purchases to earn reward points redeemable for travel or merchandise! Transferring your balance is easy. Collect your statements from other credit cards or lenders, and stop by AECU. Our staff will help you pay off your old accounts, consolidate your debt and enjoy cash-back savings! Contact us at (573) 445-1845 or visit AECU to apply, and put some spring in your savings today! *Promotional balance transfer offer applies to new and existing AECU MasterCard Credit Cards. Member eligibility and creditworthiness apply. Balance transfer offer runs through 6/28/13. Balance transfer transactions do not earn reward points. See credit union for complete details. **APR=Annual Percentage Rate. Rate is determined by member eligibility and creditworthiness, as well as other factors. See credit union for complete details. Get The Red Carpet Treatment At AECU’s Annual Meeting! You don’t have to be a Hollywood star to enjoy VIP status at AECU. In fact, we celebrate all of our members and their contributions at our 77th Annual Meeting! Join AECU members, guests, staff and volunteers for a red carpet event at Community United Methodist Church on Friday, May 10. You’ll enjoy refreshments, socializing, prize giveaways and fun as we toast the credit union’s successes in 2012 and preview the things to come in 2013.* Friday, May 10, 2013 Community United Methodist Church 3301 W. Broadway Columbia, MO 65203 5:30 p.m. Registration 6:00 p.m. Dinner 7:00 p.m. Business meeting & prizes Tickets to the AECU Annual Meeting cost $3, and advance reservations are required. Complete and return the reservation form with your payment by Friday, May 3. We look forward seeing you there! *Door prize tickets will be given to the primary account owners only. Joint owners or other guests in attendance are welcome, but are not eligible for prize drawings. Please complete this reservation form, and return it to the credit union office with your payment preference by Friday, May 3. Please note that reservations are nonrefundable. Annual Meeting Reservation (Please print) I will attend the Academic Employees Credit Union 77th Annual Meeting. ■ Enclosed is my check for $_________________ for ______ reservation(s). ■ Please deduct $___________________ for ______ reservation(s) from my share (savings) account. ■ Please deduct $___________________ for ______ reservation(s) from my share draft (checking) account. Signature Your Name Your Member Number List joint owner(s) or other guest(s) you have in your reservation total above: Please deliver or mail to the credit union: Academic Employees Credit Union Attn: Annual Meeting 2804 W. Ash St. Columbia, MO 65203 Become A Savings Sleuth During National Credit Union Youth Month What kid wouldn’t want to throw on a trench coat, dust off an old magnifying glass and slap on a play mustache to become a detective for a day? If the young people in your life are intrigued by the thrill of mysteries and the detectives who solve them, then AECU invites them to celebrate National Credit Union Youth Month this April and become a savings sleuth! Your child or grandchild can tap into detective mode and investigate ways to save with a Scottie Savers Club account from your credit union. It’s a great way to uncover the path to smart savings. Whatever young sleuths are saving for, we can help them find the financial answers they seek. Get in on the action, and open a Scottie Savers Club account for the young people in your life today! Good Times, Great Rates Don’t hold back on the fun you have planned for this season just because of financing. At AECU, good times can come with great rates! Whether you have your eye on a new vehicle, want to install that spa, or have a sensational spring trip in mind, we can help. Our loan rates start at just 3.90% APR, plus, you can put off your first payment for up to 45 days!* Fun in the sun is easy – and affordable – when you have a loan from AECU! • Low interest rates on vehicle loans, credit cards and home equity loans • No application fees or hidden costs • Generous credit limits and loan amounts • Flexible terms and affordable payments You can even transfer your current loan from another lender to AECU and save with this great offer! Contact the credit union today to get started with good times and great rates! *The Annual Percentage Rate, (APR), you receive is based on your credit worthiness. Your rate will be determined by your credit background, specific loan terms and collateral. Rate given is for new vehicles with a 60-month term. No payment for 45 days offer is subject to member eligibility and creditworthiness. Approved members may defer loan payments for up to 45 days after loan signing. Interest will accrue during deferral period. Current AECU loans ineligible for refinance. Contact the credit union for complete details. Get The Best Returns On Your Refund If you completed your taxes and discovered you’ll receive a refund, you’re not alone. The IRS reports that the average tax refund for 2011 was $2,913. So, what do you do with those funds? Consider how you could put yourself on better financial ground: Notes and Info APR* APY** Primary Shares $100 - $4,999.99 $5,000 and up 0.05% 0.05% 0.05% 0.05% • Pay off debt. Why pay interest on loans or credit that cost you money every month? Pay off or reduce your balance, and save more money this year. • Save for a rainy day. Experts recommend keeping three to six months’ worth of income in an emergency fund. If you don’t have money set aside for a rainy day, consider doing so now. • Get efficient. Investing in high-efficiency home improvements can pay off in reduced energy bills, saving you money over several years! • Make the savings grade. Starting or contributing to a college savings plan can be a smart move if you have children bound for higher education. Specialty Shares Christmas Club 0.05% 0.05% 0.05% 0.05% For more information on money-saving options or investment opportunities, contact AECU. We can help you get the best return on your tax refund! Rates Effective April 1, 2013: Be sure to check our website or call our office for most current rates. *APR = Annual Percentage Rate. **APY = Annual Percentage Yield. Rates are subject to change. Contact the credit union, or visit www.academicecu.com for rates on other term share certificates. Holiday Schedule Our office will close in observance of the following holidays: Memorial Day Monday, May 27 Independence Day Thursday, July 4 Remember, even when our office is closed, you can still access your account 24/7 with your ATM or Debit Card, the convenience of our Voice Response Unit and online with Internet Member Account Services! Protect Your Vehicle & Your Wallet With Mercury Breakdown Protection Plans How many times have you heard stories about vehicles breaking down right after the warranty expires? With our new Mercury Breakdown Protection Plans, you can rest easy knowing you’re covered! We’re Getting A New Look! Academic Employees Credit Union is thrilled to announce that our website is getting a fresh new look! With a crisp appearance, convenient login, easy navigation and informational pages, our updated site will be built to serve members as a relevant and timely financial resource. With just a few clicks, you’ll be able to check the latest news, events, promotions and announcements from your credit union. Look for the new site this spring, and see how AECU can help you! Available on new and pre-owned vehicles, Mercury Breakdown Protection Plans extend coverage to virtually all mechanical and electrical components of your vehicle. Benefits include 24-hour roadside assistance, rental vehicle assistance, tire protection and even trip interruption. Plus, your warranty is transferrable if you sell your vehicle before your agreement expires, providing added resale value! Theme Park Sav ings Remember, AE CU sells discou nted tickets to your favorite theme parks all season long. Stop by the cred it union to pick up your passes to Six Fl ags, Schlitterba hn Waterpark, Worlds of Fun and Oceans of Fun today! Contact AECU to learn more about this valuable protection. www.academicecu.com • 2804 W. Ash St., Columbia, MO 65203 Phone (573) 445-1845 Toll-free (888) 470-7770 Fax (573) 445-2068 24 Hour VRU (Voice Response Unit) 1-888-BCTCU24 (1-888-228-2824) Lobby Hours Monday, Tuesday, Wednesday, Friday: 9 a.m. – 5 p.m. Thursday: 10 a.m. – 5 p.m. Drive Up Hours Monday & Tuesday: 8 a.m. – 5:15 p.m., Wednesday: 8 a.m. – 6 p.m. Thursday: 10 a.m. – 5:15 p.m., Friday: 8 a.m. – 6 p.m. Serving The Academic Community Since 1936 Federally Insured By NCUA MAR13-1930PX