1. finance
2. bank
3. bank account

my Balance
on My Phone!
Tx!
We know you're busy.
Managing your money
shouldn't slow you down.
That's why we've made it easy for
you to access your accounts on
the go with Mobile Banking. Check
your balance, set up transfers,
and make payments in seconds—
wherever you are, right from your
smartphone or other mobile device.
Log into NetBranch and click on
services to start today.
sonal
Your Per
re
Image He
Stop by and
request yours today!
Protecting Your Car
Introducing the new
Personal Photo
Visa Check Card
from URW
Community Federal
Credit Union.
Personalize your
check card using
your favorite photo!
www.urwfcu.org
866-879-6328
Direct Deposit
Month
You work hard for your money, so don’t
you want to make sure it reaches your
account in the safest way possible? Direct
deposit is not only quick and convenient,
it’s completely secure. By removing the
need for you to bring a paper check in to
the Credit Union, direct deposit eliminates
the chance of having your paycheck lost
or stolen. Your funds are electronically
deposited right into your account on time,
every time. Talk to your human resources
department for details. And remember,
direct deposit can be used for your pension,
social security and tax refund too.
Sign up for direct deposit to your URW
Community Federal account by June 1st to
have your name entered in a drawing for
your chance to win a $50 VISA gift card!
Has Never Been Easier.
Here’s how to get in the fast lane to peace of mind.
We don’t have to tell you how important your car is. For many of us, it’s like a member of
the family. Not only does it make your life a whole lot easier, but let’s face it, it’s valuable.
It can be a worry. Things can go wrong. And when they do, it’s not at all cheap.
Happily, though, as a member of URW Community Federal, you can save yourself a world
of angst, thanks to our affordable and incredibly simple Guaranteed Asset Protection
(GAP)* and our popular Extended Warranty.
539 Arnett Boulevard
Guaranteed Asset Protection – GAP
With GAP, if you have a serious accident or your car is stolen, you’re covered for the
“gap” between what you owe and what your insurance covers. It’s especially helpful
coverage for when your car is relatively new and your debt is high. And GAP’s not just for
cars, trucks, and SUVs – it’s also available for motorcycles, travel trailers, watercraft, and
motor homes.+
1901 Goodyear Boulevard
Extended Warranty
Most new cars are out of warranty in just two and a half years, and these days, with
advanced electronics and “integrated systems”, repairing or replacing parts is more
expensive than ever. And don’t even ask about labor costs! Unfortunately, over time, the
likelihood of your car experiencing a mechanical failure is pretty much a certainty.
Extended Warranty helps you protect yourself against the expense of future costly
repairs. The total cost of Extended Warranty for new and pre-owned vehicles is often far
less than the cost of a single repair! Inclusive benefits include:
No deductible • Nationwide coverage • 24/7/365 Emergency Roadside Service
30 Day Money Back Guarantee • Transferable • Direct Claim Payments Via VISA/
MasterCard • Total Loss Refund
142 S Main Street
701 Broad Street
314 Lowes Dr.
230 S. Ridge St. Danville, VA
13701 US Hwy 29, Suite I, Chatham, VA
Local Phone:434-793-1278
Toll Free: 866-879-6328
Fax: 434-799-0949
Teller Talk: 877-793-5831
www.urwfcu.org
Edited by Cheryl Doss
If your car is declared a total loss by the insurance company, we will refund the entire
original premium of your service agreement.
Best of all, we make the process of obtaining your coverage fast and easy. In a matter of
minutes, you’ll have a new-car-peace-of-mind, even if your car isn’t exactly new! To learn
more about these two great ways to make driving a whole lot more relaxing, visit any
branch or call 434.793.1278 to speak with our Lending Department.
*GAP and Extended Warranty are considered insurance coverage in some states. Coverages vary and may not be
available depending on the provided and/or plan chosen.
+Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit
or the terms of any existing credit agreement you have with URW Community Federal. There are eligibility
requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should
carefully read your contract for a full explanation of terms.
URW Owner’s Manual
May is National
Scan this QR code with a reader app on your
smartphone to instantly go to www.urwfcu.org.
Federally insured by NCUA.
©CUAdvantage.com • 877.799.0784
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n april 2014
Spring In For Our Great Rates
April
2014
CEO’s Message
April is Financial
Literacy Month
The next time you need a loan, remember, that’s our main reason for being.
Whether heading into elementary school
or preparing for retirement, here at URW
Community Federal Credit Union, we
believe it’s never too late to establish and
maintain healthy financial habits. That’s why
we’re pleased to recognize April as Financial
Literacy Month and to take this opportunity
to share special money management tools
and events with our members of every
age. Please stop by the Credit Union during
the month of April to learn more about the
special member events taking place at your
credit union.
Greetings to all in the URW family,
National Credit Union
Youth Week™
There are so many ways we can help you. Let’s say you have some debt you’d like to
get out of your life. Our Debt Consolidation Loan can make a world of difference – and
save you money.
April 20-26
This year’s National Credit
Union Youth Week theme
is Catch the $ave Wave,
so we’ll be celebrating this
special week by helping our
younger members boost their good savings
habits and “hang ten” on the save wave!
Every child loves to surf, dig their toes into
the sand, play some beach ball, and jump in
the waves. So have your child ride the save
wave into the credit union, where they’ll
feel like they’re right at the beach as they
get tips on how to surf and save during our
Youth Week festivities.
And be sure to bring them by our Lowes
Drive Branch on April 26 between noon and
4:00 p.m. to get in on the biggest action of
our Youth Week events. Local radio stations
will be on site, and we’ll have fun, food and
prizes for everyone! It’s all free for URW
Community Federal members, so mark your
calendar—you won’t want to miss out on
the fun.
www.urwfcu.org
OIC
Give it a Personal
Touch!
70561A0314
We’re delighted that URW Community Federal can offer you so many ways to make
your day-to-day banking easier and more pleasurable. Home banking is huge. Mobile
deposit is extremely popular. And of course, our incomparable branches and fantastic,
caring staff are second to none. But remember, there’s an even more important
purpose for our forming the credit union, and that’s to give you easier, more affordable
access to funds when you need them. By pooling our resources, our collective
strength allows us to offer superior rates compared to traditional financial institutions
– and that’s just for starters.
Here’s what to expect right out of the gate:
Fast loan approval. • No application fees. • Easy online applications.
And some of the lowest rates in Southern Virginia.
And then there’s the matter of buying a car. You do not want to go to a bank.
Our Auto Loans start as low as 2.50% APR* and we finance up to 100%! It’s way
too tempting, I know. Finally, your credit card. Please tell us you are not using one of
those typical high-interest cards that quietly suck the life force out of your finances?
Remember – your URW Community Federal Platinum VISA starts at a wonderful
7.99% APR*!
Every day, members count on us for personal loans of all kinds. Every day, we
refinance loans from other lenders, saving our members thousands upon thousands
of dollars. And every day, we get to go home with the satisfaction of knowing we
helped fulfill some dreams. Sure, convenience, innovation and ridiculously great
service are important. But it’s making affordable loans that we believe is the greatest
benefit we offer.
Need some funds? Remember, we’re here for you.
Cheryl Wilson-Doss
President/CEO
*APR – Annual percentage rate.
All loans subject to credit approval.
Please visit urwfcu.org for complete
terms and conditions.
43rd Annual Meeting
Please join us May 17th at 5:00 p.m. at our Lowes Drive location for our Annual
Meeting. This year’s theme is Dancing Under the Stars!
Our Business Meeting begins at 5:00 p.m. and is open to all members. Entertainment
begins at 6:00 p.m. and requires admission. Tickets can be purchased for $10 at
all URW Community Federal branches. This will be a great night to rekindle old
friendships and make some new ones. Get your tickets today!
Have You Visited aSmarterChoice.org?
At aSmarterChoice.org, you can learn all about the ins and outs of credit union
membership, see how credit unions stack up to banks, learn ways to improve your
finances, and so much more. There’s no catch, and there aren’t any fees—it’s simply
an online resource that was built just for you. Check it out at aSmarterChoice.org!
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n www.urwfcu.org
URW Community Federal Credit Union
When you need financing for your next
big purchase, why not take your financial
needs to the place you feel most at home?
At URW Community Federal Credit Union, we offer a wide
variety of lending solutions. And since we always offer low,
competitive rates and friendly, personal service, you know
you can count on us to provide you with everything you need
to feel like part of the family.
Auto Loans • Home Loans • Personal Loans
Vacation Loans • And More!
Stop by the Credit Union or visit www.urwfcu.org to learn
more and to apply today.
Don’t Just Ride -
Love Your Ride!
URW Community Federal Credit Union wants
to help you rev up your summer fun. With our
special Toy Loan, you can get the financing you
need for the summer toy of your dreams.
Toy Loans
Boats | Motorcycles | RVs | Jet Skis | And More!
Speak with a member service representative for
current rates and details.
Spear Phishing:
A Rising Threat
Spear phishing criminals use inside
information on their email victims to
try to convince them with urgent and
legitimate-sounding explanations that
they need to provide their personal
information. The criminal’s goal is
to get you to click on a link inside an email they’ve sent
you, which will direct you to a phony but realistic-looking
website, where you will be prompted to provide passwords,
account numbers, user IDs, PINs, and other similar
information.
What can you do to make sure you don’t end up a
victim of spear phishing?
• Keep in mind that most companies, banks, agencies,
etc., don’t request personal information via email. If in
doubt, give the company in question a call (but don’t use
the phone number provided in the email—that’s usually
phony as well).
• Use a phishing filter. Many web browsers have them built
in or offer them as plug-ins.
• Never follow a link to a secure site from within an email.
Always enter the URL manually.
• Watch for these subject lines, which are most commonly
used in worldwide phishing emails:
Invitation to connect on LinkedIn
Mail delivery failed: returning message to sender
Dear <insert bank name here> Customer
Comunicazione importante
Undelivered Mail Returned to Sender
If you are suspicious of an email, don’t take the risk in
opening it. Instead, be sure to permanently delete the email
without opening it.
URW Community Federal Overdraft Program
At just $25, it’s one of the lowest in the nation!
Member Shred Day is Thursday, May 8th. And yes, there will be plenty of trash talking.
You name it: Old checkbooks, statements (you really should be on eStatements, friend), receipts, sensitive documents, credit card
offers... there’s no limit* to what we can obliterate into all eternity. Come to our Lowes Dr. branch with your old, useless, sensitive
documents and you will witness with your own eyes as Recall, a widely respected and highly secure document destruction
service, turns them into dust. No fuss, no muss, no prying eyes snooping into your business. It’s free, it’s fun and it’s smart.
Best of all, your secrets will be vanquished for the ages, recycled back into nature where they belong.
Thursday, May 8th
Lowes Dr. Branch, 314 Lowes Drive,
From 3 pm - 5 pm or until the truck is full.
*First-come, first-served, Members should
limit what they bring to confidential info
only, no magazines, coupons, travel flyers,
phone books, or newspapers.
Do You Know What Makes Up
Your Credit Score?
Your credit score is based on the information in your
credit report, but if you’ve ever looked at your credit report,
you’ve seen it’s full of all kinds of different information.
Do you know which of the information in your report has
a positive effect on your score and which has a negative
effect? When reviewing your credit report, here are five
areas to take note of, as they directly affect your
credit score:
Protect your account today. Call 434.793.1278 to sign up
for Overdraft Protection.
*The overdraft fees compared in this article are accurate as of the publication date of this newsletter.
Fees were obtained directly from the respective financial institution’s websites. To view URW Community Federal’s
Schedule of Fees and Charges please visit urwfcu.org.
Rates as low as 2.5% APR*
Terms up to 108 months
Friendly, personal service
Easy application process
*APR = Annual Percentage Rate. Quoted rate is the
lowest available rate. Your rate will be based on your credit
history and may be higher. Rates and terms subject to change
without notice.
4. Credit inquiries
The fewer credit inquiries in a given time, the better.
Here’s the proof, and we love it:
Stop by URW Community Federal
for an Auto Loan that is packed
with everything you need, plus
everything you want.
2. Types of credit
The more types of accounts
you hold, the better.
Nobody likes to think about fees, but there’s one super-annoying fee you should pay attention to, because if you’re
checking with the wrong place, it could easily bite you on the backside—an overdraft fee. Here’s how it works: a
check comes in and there’s not enough funds in the account to cover it, and the big banks “graciously” pay it and
take your account in the negative. It occasionally happens to everyone, and it’s never fun. What makes it even
more galling is to then have to pay that bank their ridiculous fee…often $35, $40 or more…to make it right. Ouch,
talk about salt on the wound.
y
rial Da
Memoay, May 26
Mond
ay
nce D
e
d
n
e
Indep
July 4
with a Credit Union Auto Loan
Whether you’re purchasing
new or used, we have an Auto Loan that’s just
right for you. Come see us today!
3. Debt-to-credit ratio
The less available credit you utilize, the better.
Why make the choice between paying your car repair bill so you
can get to work vs. paying the rent? When you hit those tight
spots, URW Community Federal’s liberal overdraft policies can
help you make both! Used as a cash management tool, our
affordable $25 Overdraft Protection Program is a convenient
option to insure all your payments get made without
interruption and without gouging your checkbook in the
y
a
id
process. It’s cheaper than having a check returned (and
Hol ings
s
having to pay the vendor an NSF fee), MUCH more
o
l
d)
C
serve
b
affordable than if you were at a big bank, and it’s
O
(
r
Eastenday, April 21
quicker and easier than applying for a short-term loan.
Mo
Smile Every Mile
1. Length of history
The older your accounts,
the better.
See for yourself how our Overdraft Program stacks up against the big banks.
They must forget that people are human.
There’s a better way.
,
Friday
It’s here again! That glorious day when
we take stacks and stacks of confidential
documents and turn them into chop suey.
5. Payment history
The more payments made on time, the better.
Order your free credit report today!
You can request a free copy of your credit report once
every 12 months by visiting www.annualcreditreport.com.
If you have any questions or concerns when reviewing
your report, please feel free to contact the Credit Union
for assistance.
april 2014 • Quarterly Publication
Home is Where
the LOAN is
Graduation Gifts
for Everyone!
VISA gift cards can be used
anywhere that accepts VISA, making
them the perfect gift for every graduate
on your list! They’re great for weddings,
birthdays, Mother’s Day, Father’s Day, and baby showers
too. Stock up on VISA gift cards by visiting your local
URW Community Federal branch today.
URW Community Federal Credit Union
When you need financing for your next
big purchase, why not take your financial
needs to the place you feel most at home?
At URW Community Federal Credit Union, we offer a wide
variety of lending solutions. And since we always offer low,
competitive rates and friendly, personal service, you know
you can count on us to provide you with everything you need
to feel like part of the family.
Auto Loans • Home Loans • Personal Loans
Vacation Loans • And More!
Stop by the Credit Union or visit www.urwfcu.org to learn
more and to apply today.
Don’t Just Ride -
Love Your Ride!
URW Community Federal Credit Union wants
to help you rev up your summer fun. With our
special Toy Loan, you can get the financing you
need for the summer toy of your dreams.
Toy Loans
Boats | Motorcycles | RVs | Jet Skis | And More!
Speak with a member service representative for
current rates and details.
Spear Phishing:
A Rising Threat
Spear phishing criminals use inside
information on their email victims to
try to convince them with urgent and
legitimate-sounding explanations that
they need to provide their personal
information. The criminal’s goal is
to get you to click on a link inside an email they’ve sent
you, which will direct you to a phony but realistic-looking
website, where you will be prompted to provide passwords,
account numbers, user IDs, PINs, and other similar
information.
What can you do to make sure you don’t end up a
victim of spear phishing?
• Keep in mind that most companies, banks, agencies,
etc., don’t request personal information via email. If in
doubt, give the company in question a call (but don’t use
the phone number provided in the email—that’s usually
phony as well).
• Use a phishing filter. Many web browsers have them built
in or offer them as plug-ins.
• Never follow a link to a secure site from within an email.
Always enter the URL manually.
• Watch for these subject lines, which are most commonly
used in worldwide phishing emails:
Invitation to connect on LinkedIn
Mail delivery failed: returning message to sender
Dear <insert bank name here> Customer
Comunicazione importante
Undelivered Mail Returned to Sender
If you are suspicious of an email, don’t take the risk in
opening it. Instead, be sure to permanently delete the email
without opening it.
URW Community Federal Overdraft Program
At just $25, it’s one of the lowest in the nation!
Member Shred Day is Thursday, May 8th. And yes, there will be plenty of trash talking.
You name it: Old checkbooks, statements (you really should be on eStatements, friend), receipts, sensitive documents, credit card
offers... there’s no limit* to what we can obliterate into all eternity. Come to our Lowes Dr. branch with your old, useless, sensitive
documents and you will witness with your own eyes as Recall, a widely respected and highly secure document destruction
service, turns them into dust. No fuss, no muss, no prying eyes snooping into your business. It’s free, it’s fun and it’s smart.
Best of all, your secrets will be vanquished for the ages, recycled back into nature where they belong.
Thursday, May 8th
Lowes Dr. Branch, 314 Lowes Drive,
From 3 pm - 5 pm or until the truck is full.
*First-come, first-served, Members should
limit what they bring to confidential info
only, no magazines, coupons, travel flyers,
phone books, or newspapers.
Do You Know What Makes Up
Your Credit Score?
Your credit score is based on the information in your
credit report, but if you’ve ever looked at your credit report,
you’ve seen it’s full of all kinds of different information.
Do you know which of the information in your report has
a positive effect on your score and which has a negative
effect? When reviewing your credit report, here are five
areas to take note of, as they directly affect your
credit score:
Protect your account today. Call 434.793.1278 to sign up
for Overdraft Protection.
*The overdraft fees compared in this article are accurate as of the publication date of this newsletter.
Fees were obtained directly from the respective financial institution’s websites. To view URW Community Federal’s
Schedule of Fees and Charges please visit urwfcu.org.
Rates as low as 2.5% APR*
Terms up to 108 months
Friendly, personal service
Easy application process
*APR = Annual Percentage Rate. Quoted rate is the
lowest available rate. Your rate will be based on your credit
history and may be higher. Rates and terms subject to change
without notice.
4. Credit inquiries
The fewer credit inquiries in a given time, the better.
Here’s the proof, and we love it:
Stop by URW Community Federal
for an Auto Loan that is packed
with everything you need, plus
everything you want.
2. Types of credit
The more types of accounts
you hold, the better.
Nobody likes to think about fees, but there’s one super-annoying fee you should pay attention to, because if you’re
checking with the wrong place, it could easily bite you on the backside—an overdraft fee. Here’s how it works: a
check comes in and there’s not enough funds in the account to cover it, and the big banks “graciously” pay it and
take your account in the negative. It occasionally happens to everyone, and it’s never fun. What makes it even
more galling is to then have to pay that bank their ridiculous fee…often $35, $40 or more…to make it right. Ouch,
talk about salt on the wound.
y
rial Da
Memoay, May 26
Mond
ay
nce D
e
d
n
e
Indep
July 4
with a Credit Union Auto Loan
Whether you’re purchasing
new or used, we have an Auto Loan that’s just
right for you. Come see us today!
3. Debt-to-credit ratio
The less available credit you utilize, the better.
Why make the choice between paying your car repair bill so you
can get to work vs. paying the rent? When you hit those tight
spots, URW Community Federal’s liberal overdraft policies can
help you make both! Used as a cash management tool, our
affordable $25 Overdraft Protection Program is a convenient
option to insure all your payments get made without
interruption and without gouging your checkbook in the
y
a
id
process. It’s cheaper than having a check returned (and
Hol ings
s
having to pay the vendor an NSF fee), MUCH more
o
l
d)
C
serve
b
affordable than if you were at a big bank, and it’s
O
(
r
Eastenday, April 21
quicker and easier than applying for a short-term loan.
Mo
Smile Every Mile
1. Length of history
The older your accounts,
the better.
See for yourself how our Overdraft Program stacks up against the big banks.
They must forget that people are human.
There’s a better way.
,
Friday
It’s here again! That glorious day when
we take stacks and stacks of confidential
documents and turn them into chop suey.
5. Payment history
The more payments made on time, the better.
Order your free credit report today!
You can request a free copy of your credit report once
every 12 months by visiting www.annualcreditreport.com.
If you have any questions or concerns when reviewing
your report, please feel free to contact the Credit Union
for assistance.
april 2014 • Quarterly Publication
Home is Where
the LOAN is
Graduation Gifts
for Everyone!
VISA gift cards can be used
anywhere that accepts VISA, making
them the perfect gift for every graduate
on your list! They’re great for weddings,
birthdays, Mother’s Day, Father’s Day, and baby showers
too. Stock up on VISA gift cards by visiting your local
URW Community Federal branch today.
my Balance
on My Phone!
Tx!
We know you're busy.
Managing your money
shouldn't slow you down.
That's why we've made it easy for
you to access your accounts on
the go with Mobile Banking. Check
your balance, set up transfers,
and make payments in seconds—
wherever you are, right from your
smartphone or other mobile device.
Log into NetBranch and click on
services to start today.
sonal
Your Per
re
Image He
Stop by and
request yours today!
Protecting Your Car
Introducing the new
Personal Photo
Visa Check Card
from URW
Community Federal
Credit Union.
Personalize your
check card using
your favorite photo!
www.urwfcu.org
866-879-6328
Direct Deposit
Month
You work hard for your money, so don’t
you want to make sure it reaches your
account in the safest way possible? Direct
deposit is not only quick and convenient,
it’s completely secure. By removing the
need for you to bring a paper check in to
the Credit Union, direct deposit eliminates
the chance of having your paycheck lost
or stolen. Your funds are electronically
deposited right into your account on time,
every time. Talk to your human resources
department for details. And remember,
direct deposit can be used for your pension,
social security and tax refund too.
Sign up for direct deposit to your URW
Community Federal account by June 1st to
have your name entered in a drawing for
your chance to win a $50 VISA gift card!
Has Never Been Easier.
Here’s how to get in the fast lane to peace of mind.
We don’t have to tell you how important your car is. For many of us, it’s like a member of
the family. Not only does it make your life a whole lot easier, but let’s face it, it’s valuable.
It can be a worry. Things can go wrong. And when they do, it’s not at all cheap.
Happily, though, as a member of URW Community Federal, you can save yourself a world
of angst, thanks to our affordable and incredibly simple Guaranteed Asset Protection
(GAP)* and our popular Extended Warranty.
539 Arnett Boulevard
Guaranteed Asset Protection – GAP
With GAP, if you have a serious accident or your car is stolen, you’re covered for the
“gap” between what you owe and what your insurance covers. It’s especially helpful
coverage for when your car is relatively new and your debt is high. And GAP’s not just for
cars, trucks, and SUVs – it’s also available for motorcycles, travel trailers, watercraft, and
motor homes.+
1901 Goodyear Boulevard
Extended Warranty
Most new cars are out of warranty in just two and a half years, and these days, with
advanced electronics and “integrated systems”, repairing or replacing parts is more
expensive than ever. And don’t even ask about labor costs! Unfortunately, over time, the
likelihood of your car experiencing a mechanical failure is pretty much a certainty.
Extended Warranty helps you protect yourself against the expense of future costly
repairs. The total cost of Extended Warranty for new and pre-owned vehicles is often far
less than the cost of a single repair! Inclusive benefits include:
No deductible • Nationwide coverage • 24/7/365 Emergency Roadside Service
30 Day Money Back Guarantee • Transferable • Direct Claim Payments Via VISA/
MasterCard • Total Loss Refund
142 S Main Street
701 Broad Street
314 Lowes Dr.
230 S. Ridge St. Danville, VA
13701 US Hwy 29, Suite I, Chatham, VA
Local Phone:434-793-1278
Toll Free: 866-879-6328
Fax: 434-799-0949
Teller Talk: 877-793-5831
www.urwfcu.org
Edited by Cheryl Doss
If your car is declared a total loss by the insurance company, we will refund the entire
original premium of your service agreement.
Best of all, we make the process of obtaining your coverage fast and easy. In a matter of
minutes, you’ll have a new-car-peace-of-mind, even if your car isn’t exactly new! To learn
more about these two great ways to make driving a whole lot more relaxing, visit any
branch or call 434.793.1278 to speak with our Lending Department.
*GAP and Extended Warranty are considered insurance coverage in some states. Coverages vary and may not be
available depending on the provided and/or plan chosen.
+Your purchase of GAP is optional. Whether or not you purchase GAP will not affect your application for credit
or the terms of any existing credit agreement you have with URW Community Federal. There are eligibility
requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP. You should
carefully read your contract for a full explanation of terms.
URW Owner’s Manual
May is National
Scan this QR code with a reader app on your
smartphone to instantly go to www.urwfcu.org.
Federally insured by NCUA.
©CUAdvantage.com • 877.799.0784
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n april 2014
Spring In For Our Great Rates
April
2014
CEO’s Message
April is Financial
Literacy Month
The next time you need a loan, remember, that’s our main reason for being.
Whether heading into elementary school
or preparing for retirement, here at URW
Community Federal Credit Union, we
believe it’s never too late to establish and
maintain healthy financial habits. That’s why
we’re pleased to recognize April as Financial
Literacy Month and to take this opportunity
to share special money management tools
and events with our members of every
age. Please stop by the Credit Union during
the month of April to learn more about the
special member events taking place at your
credit union.
Greetings to all in the URW family,
National Credit Union
Youth Week™
There are so many ways we can help you. Let’s say you have some debt you’d like to
get out of your life. Our Debt Consolidation Loan can make a world of difference – and
save you money.
April 20-26
This year’s National Credit
Union Youth Week theme
is Catch the $ave Wave,
so we’ll be celebrating this
special week by helping our
younger members boost their good savings
habits and “hang ten” on the save wave!
Every child loves to surf, dig their toes into
the sand, play some beach ball, and jump in
the waves. So have your child ride the save
wave into the credit union, where they’ll
feel like they’re right at the beach as they
get tips on how to surf and save during our
Youth Week festivities.
And be sure to bring them by our Lowes
Drive Branch on April 26 between noon and
4:00 p.m. to get in on the biggest action of
our Youth Week events. Local radio stations
will be on site, and we’ll have fun, food and
prizes for everyone! It’s all free for URW
Community Federal members, so mark your
calendar—you won’t want to miss out on
the fun.
www.urwfcu.org
OIC
Give it a Personal
Touch!
70561A0314
We’re delighted that URW Community Federal can offer you so many ways to make
your day-to-day banking easier and more pleasurable. Home banking is huge. Mobile
deposit is extremely popular. And of course, our incomparable branches and fantastic,
caring staff are second to none. But remember, there’s an even more important
purpose for our forming the credit union, and that’s to give you easier, more affordable
access to funds when you need them. By pooling our resources, our collective
strength allows us to offer superior rates compared to traditional financial institutions
– and that’s just for starters.
Here’s what to expect right out of the gate:
Fast loan approval. • No application fees. • Easy online applications.
And some of the lowest rates in Southern Virginia.
And then there’s the matter of buying a car. You do not want to go to a bank.
Our Auto Loans start as low as 2.50% APR* and we finance up to 100%! It’s way
too tempting, I know. Finally, your credit card. Please tell us you are not using one of
those typical high-interest cards that quietly suck the life force out of your finances?
Remember – your URW Community Federal Platinum VISA starts at a wonderful
7.99% APR*!
Every day, members count on us for personal loans of all kinds. Every day, we
refinance loans from other lenders, saving our members thousands upon thousands
of dollars. And every day, we get to go home with the satisfaction of knowing we
helped fulfill some dreams. Sure, convenience, innovation and ridiculously great
service are important. But it’s making affordable loans that we believe is the greatest
benefit we offer.
Need some funds? Remember, we’re here for you.
Cheryl Wilson-Doss
President/CEO
*APR – Annual percentage rate.
All loans subject to credit approval.
Please visit urwfcu.org for complete
terms and conditions.
43rd Annual Meeting
Please join us May 17th at 5:00 p.m. at our Lowes Drive location for our Annual
Meeting. This year’s theme is Dancing Under the Stars!
Our Business Meeting begins at 5:00 p.m. and is open to all members. Entertainment
begins at 6:00 p.m. and requires admission. Tickets can be purchased for $10 at
all URW Community Federal branches. This will be a great night to rekindle old
friendships and make some new ones. Get your tickets today!
Have You Visited aSmarterChoice.org?
At aSmarterChoice.org, you can learn all about the ins and outs of credit union
membership, see how credit unions stack up to banks, learn ways to improve your
finances, and so much more. There’s no catch, and there aren’t any fees—it’s simply
an online resource that was built just for you. Check it out at aSmarterChoice.org!
A q u a r t e r l y p u b l i c a t i o n o f UR W C o m m u n i t y F e d e r a l C r e d i t U n i o n www.urwfcu.org