a word from a member
Connie, a thrilled HNCU member, recently shared an
inspiring testimonial with us. We wanted to share
some highlights with our members to make sure you’re
aware of all the ways HNCU can save you money and
simplify your financial management.
24/7 Account Access
Connie enjoys 24/7 online banking and our fast loan
responses.
Affordable and Fast Small Loans
Connie needed to pay for cemetery plots fast and the
cemetery was charging 22% interest! HNCU stepped in
with a rate that saves $150 per month on her payments
– and we answered her estate questions.
Making the Most of Your Money
An HNCU Member Services Representative
recommended a savings account to Connie that she
was unaware of. Now her money is earning a slightly
higher rate.
HNCU exists to protect and support our member
owners and to help you build a secure financial future.
HOW
TO
buy a
home
It’s a great time
to buy. Take
advantage of the
$8,000 tax credit
while it’s still
around.
Details at www.HNCU.org
Winner’s Corner
*
$50 Deposit to savings Account
Polar Bear Kids Club: Noah H.
Teen Vision Club: Camisha M.
A chance to win with every 5 deposits
using your punch card.
Location & Hours
Just off of Washington Street
in Northglenn at:
11455 Pearl Street
Northglenn, CO 80233
04
Office Hours:
Mon - Fri 9am - 5pm
Drive Up Hours:
Mon - Wed 7:30am - 5pm
Thurs 9am - 5pm
Fri 7:30am - 6pm
Saturday 9am to Noon
O v e r 8 , 3 0 0 m e m b e r s ! T ot a l i n g $ 6 4 m i l l i o n i n a s s e t s .
Newsletter
come join us at
PEP CLUB!
July 21
A FREE trip to Doc Holliday’s casino in Central City.
If we have 35 people the casino will provide the bus
and give each person coupons for cash to play the
machines, a free hot dog, a free cookie, and two free
drinks. Please bring your friends and family along
so we have enough people. RSVP by July 12 so we
can get a count, the number to call is 303-452-8986.
The bus will pick us up at 9:30 a.m. and we will arrive
back at HNCU at approximately 3:30 p.m.
August 18
Our annual picnic at E. B. Raines Park in
Northglenn at 11:30 a.m. Come and enjoy an old
fashioned fried chicken picnic lunch courtesy of
HNCU.
September 15
We will visit the Butterfly Pavilion in Westminster.
Enjoy butterflies, gardens and wonderful exhibits.
Admission is $5.95 and we will have lunch at the
WISHBONE. The bus will leave HNCU at 9:30 a.m.
Until we meet again, have a wonderful summer!
Remember, we are some of the very fortunate
people who live in Colorado.
Rose Kohne | Secretary Board of Directors | Pep Club Coordinator
Please be advised that you NEVER
need to enter your PIN number
when using your HNCU debit card
at a store to make purchases.
in this issue:
Wanna bet?
you can’t lose!
page 2
Don’t worry,
be HAPPY.
page 3
ART
CONTEST
WINNERS
page 4
PEP CLUB
picnics,
casinos &
butterflies...
H O L I D A Y Independence Day
CLOSINGS
Important Contact INfo 
Main Office: 303.451.1146 or 1.877.451.HNCU
Fax: 303.450.7422
12/24 Audio Response Phone Banking:
303.451.1262 or 1.877.727.1262
Horizons North Financial Services:
1.877.524.3030
Loan Department: 720.872.8614
Late Loan Payments: 720.872.8607
Horizons Online Support: 720.872.8605
Horizons Online Support Email:
[email protected]
Sat, July 4th
Labor Day
Mon, Sept 7th
General Email: [email protected]
Online Bill Pay
Specific Payments: 1.800.823.7555
General Questions: 720.872.8616
VISA® Debit Cards
Email: [email protected]
Lost or Stolen VISA® Debit Card:
Day: 720.872.8612
Nights & Weekends: 1.800.682.6075
http://www.reportmycards.com
Lost or Stolen VISA® Credit Card:
24/7: 1.877.875.8078
Over 8,3 00 members! N e w M I L ES TO N E r e a c h e d : now Totaling $64 million in assets.
12/24 audio response
phone banking
made easier:
Listen carefully to the
prompts next time you use
audio response; they’ve
changed to make it easier
for you to use.
www.hncu.org • 303.451.1146
200
$
Summer 2009 • A Q u a r t e r ly p u b l i c at i o n
*
says we can
BEAT
YOUR
AUTO LOAN
RATE.
We’ll beat your auto loan rate
for refinancing your current
auto loan or financing a new
auto loan or you’ll get $200!
(Must have HNCU checking
with direct deposit.)
You can’t lose this bet! A lower rate means you make
lower payments or you can pay off your loan faster
–either way you win! When you buy your auto through
our AutoTrek buying service and close your loan with
HNCU you get 1% APR* off your loan amount!
*Certain restrictions apply. APR = Annual Percentage Rate. You must qualify for membership at Horizons
North Credit Union and you must be approved for the loan. Your vehicle may be subject to inspection.
Best Rate Guarantee is not valid on existing HNCU loans. Credit history and delinquency may affect your
eligibility. The lowest rate available under the Best Rate Guarantee is 5.75% APR; the $200 will not be
paid for interest rates lower than 5.75% APR. The $200 will be deposited into your Horizons North Credit
Union checking account with direct deposit. Financed amount cannot exceed 120% of the NADA retail
value or purchase price of the vehicle if it is less than 12 months old and has less than 12,000 miles.
Loan will mirror existing loan in terms of cosigners and payoff term and last 6 months must have been
paid on time. Limited time offer.
Better Banking
Begins with Membership.
01
Don’t worry, be happy401k.com
In these confusing financial times many people are especially
concerned about how to allocate their 401K investments.
Discover answers at Happy401k.com hosted by Jolliffe
Capital, Inc. with a free trial subscription!
Happy401K.com provides information and guidance
designed to help 401K investments keep up with the
changing marketplace. HNCU members receive a 20%
discount on monthly, quarterly or annual subscriptions,
with 24/7 access to:
• Weekly emailed market summaries with information on
current changes in the marketplace and how they might
affect the allocation of 401K funds.
• Hot Alert emails with detailed information and concerns
about changes in the marketplace that could dramatically
affect your investments.
• Quarterly assessment of your allocation of 401K funds
based on your individual risk tolerance.
Home EQuity Loans
• Information customized to your needs and goals based on
a detailed assessment of information you provide.
• There’s much more! Sign up today and discover how
Happy401K.com can help you build for your future and take
the anxiety out of 401K investing.
Receive 30 days free investment advice to find out if
Happy401k.com is the right information resource for you.
HNCU members get a 20% discount on subscriptions when
you enter the promotion code: hncu
easy approval. Low interest.
potential for return.
Jolliffe Capital constantly evaluates the world marketplace
to offer you the most current investment strategies. Markets
are changing rapidly – don’t let your investments fall behind.
Learn more about Jolliffe Capital at www.HNCU.org
Consolidate debt and pay down your debt faster.
Make an investment in your home or education.
Apply today.
Financial Planning and Investment Management Services offered through Jolliffe Capital, Inc., Registered Investment Advisor. Securities offered through Evolve Securities, Inc., Member FINRA/SIPC. Insurance products offered
through MFS, LLC. Jolliffe Capital, Inc., Evolve Securities, Inc., and MFS, LLC are not affiliated. Shawn Mercer is
affiliated with Jolliffe Capital, Inc., serving as an insurance consultant to clients of the firm. He is not affiliated with
Evolve Securities, Inc., or MFS, LLC. Investments May Lose Value. Past performance is not indicative of future
results. www.happy401k.com is a DBA of and is owned by Jolliffe Capital, Inc. Jolliffe Capital, Inc., Evolve Securities, Inc., MFS, LLC and Shawn Mercer are not affiliated with referralist.com.
Helping Hands
HNCU’s Pat Campbell uses the skills that make her an outstanding Loan
Assistant as she mentors Mrs. Williams’ Kindergarten class at Leroy
Drive Elementary School. Her grateful students presented
“Ms. Pat” with a banner of appreciation.
Many homeowners have large amounts of equity in their homes. This equity can be used
as collateral to borrow for consolidating debt; upgrading your home; or paying tuition.
Because the interest rates are lower than other loans or credit lines, you’ll save money in
the long run. Do you qualify? Contact your HNCU loan officer today for full details on our
home equity loans and lines of credit.
No matter what ‘the
market’ is doing, we’ve
got plenty of money to
lend. Qualified buyers
enjoy great rates on all
types of loans at HNCU.
Burback
Board of directors Donald
Rosemary A. Kohne
2009 HNCU Election results Debbie Capra
Art contest
1st annual
Be sure to stop by to
see our 1st annual
HNCU sponsored
Adams 12 Five Star
Schools Art Contest
entries on display
throughout the lobby
until August 31.
WINNERS
School
Hillcrest Elementary Stellar Elementary
McElwain Elementary
Stargate School
Eagleview Elementary
Hunters Glen Elementary
Hulstrom Options School
Rocky Top Middle School
Westlake Middle School
Thornton High School
Mountain Range High
Thornton High School
Legacy High School
ARTISTPrizeCategory
Alejandro Stockburger 1st
K-3
Jennifer Ortiz-Morales 2nd
K-3
Toni Coleman
3rd K-3
Rachael Willihnganz
1st
3-5
Tatiana Perez
2nd
3-5
Brianna Casinger 3rd
3-5
Erica Kawabata
1st
6-8
Jasmine Pamintuan
2nd
6-8
Rachel Himyak
3rd
6-8
Cathy Xiong
1st
9-12
Josh Garcia
1st 9-12
Jordan Pieper
2nd
9-12
Kayla Millar
3rd
9-12
Better Banking
Begins with Membership.
02
www.hncu.org • 303.451.1146
03