Happy Ho lidays Your Financial Resource From Midwest Credit Union We Have A Gift For You! You may be thinking about holiday gifts for friends and family, but what about a gift for you? Midwest Credit Union is giving you the gift of one less bill to pay and some extra spending money! Make no payments for 90 days when you finance a vehicle with us or transfer your loan from another lender during November!1 Just think what you could do with no auto loan payment until February! Plus, you’ll enjoy these features year-round: • A quick application process • Fixed rates as low as 2.59% APR2 • Flexible repayment terms up to 84 months Don’t wait until December to open this gift – call, click or stop by to apply! 1 Offer valid 11/1/14-11/29/14. Interest will continue to accrue during deferral period. Current MCU loans are ineligible for refinance. Member eligibility required. 2APR=Annual Percentage Rate. Rates and terms are based on member creditworthiness. Contact MCU for complete details. Your Holiday To-Do List ✓Open a Midwest Credit Union holiday loan ✓Buy the perfect gifts without overspending ✓Enjoy quality time with the family No seasonal checklist is complete without a holiday loan from Midwest Credit Union. In fact, it can help you accomplish your other holiday tasks! • Borrow up to $1,200 for 12 months • Get rates as low as 7.99% APR* • Pay no annual fee or startup costs If it’s on your list, we have the funds for you to buy it. Contact us today to apply! *APR=Annual Percentage Rate. Rates and terms are based on member creditworthiness. Offer valid 11/1/14-12/31/14. Member eligibility required. Contact MCU for complete details. OCTOBER 2014 We Now Serve All Of St. Louis County! Midwest Credit Union has expanded our membership charter to include all of St. Louis County, allowing the credit union to immediately serve more than a select few communities in North County. People living or working in St. Louis County can now take advantage of Midwest Credit Union’s low-cost loans, free convenient services and a nationwide network of nearly 30,000 fee-free ATMs. We hope you’ll share the benefits of membership with anyone you know in St. Louis County! Previous membership area ■ New expanded membership area ■ Mark Your Calendar Christmas Club Funds Distribution International Credit Union Day Thursday, October 16 Wednesday, October 1 Attention Christmas Club accountholders: Midwest Credit Union has transferred your Christmas Club account funds to your savings account – just in time for early holiday shopping! Now is the perfect time to start saving for the 2015 holiday season. Give yourself the gift of guilt-free spending, and open a Christmas Club account today! Credit unions around the world will celebrate International Credit Union Day® and this year’s theme: Local Service. Global Good. That’s 200+ million people from 56,000 credit unions in 101 countries joining together to celebrate their cooperative spirit! Locally, as a member of Midwest Credit Union, you and your financial stability are our top priorities. Globally, you’re part of a much bigger movement – the credit union movement – working towards global good each and every day. T Please tell your friends and family members about the credit union difference, and invite them to join the credit union for a better way to save, borrow and build a strong financial future. That’s definitely something to celebrate! Coming Soon: A Better Credit Card Program As a member-owned, not-for-profit financial cooperative, we’re always looking for ways to save you money. We’re currently restructuring our credit card program to make it more appealing to our members. Watch our newsletter and website for more details! Holiday Closings Our office will close to observe the following holidays: Columbus Day Monday, October 13 Thanksgiving Thursday, November 27 Friday, November 28 Christmas Eve Wednesday, December 24 (Close at 1 p.m.) Three Things To Look For In A Credit Card Before you select a credit card, consider: The interest rate Christmas Day Thursday, December 25 With a fixed-rate card, you know what the interest rate will be from month to month; a card with a variable rate can fluctuate. When making your payment, try to pay more than the required minimum balance; otherwise, you’ll end up paying more in interest and finance charges. New Year’s Eve Wednesday, December 31 (Close at 1 p.m.) New Year’s Day Thursday, January 1 Fees and penalties Deposit Rates Look for cards with a generous grace period (21 days is average) and reasonable fees for balance transfers and annual use (or no fees!). Also, don't pay extra for rewards programs. Rates as of September 16, 2014 Savings 0.05% APY* Kirby Club Account 0.05% APY* Money Market 0.20% APY* Incentives Certificate of Deposit 6 Months 0.10% APY* 12 Months 0.15% APY* 18 Months 0.20% APY* 24 Months 0.30% APY* 36 Months 0.40% APY* Assuming you're going to make the purchases anyway – and the card issuer doesn't charge extra for the rewards program – it can be a nice benefit. Look for a program that offers flexibility, such as cash or travel, and rewards you'll actually use, that are easily earned and redeemed. Source: CreditCards.com *APY=Annual Percentage Yield. All rates are subject to change without notice. For the most current rates, please call (314) 837-2500. #11 Flower Valley Shopping Center • Florissant, MO 63033 SEP14-712_MT (314) 837-2500 • Fax (314) 921-6746 Credit Union Hours Monday, Tuesday, Thursday, Friday 9 a.m. – 5 p.m. www.midwestcu.org Wednesday 10 a.m. – 5 p.m. Saturday 9 a.m. – Noon Federally Insured By NCUA