Fall 2014 Med Park Credit Union 1200 S. Columbia Road PO Box 6002 Grand Forks, North Dakota 58206-6002 Office Hours Holiday Skip-A-Payment Coupon Skip-A-Payment? What could be sweeter? Monday - Friday 8:30 a.m. - 4:30 p.m. Phone: (701) 780-5733 Toll free: (866) 780-6728 Fax: (701) 780-1044 www.medparkcu.com Board of Directors Lynn Bartuska - President Paul Edman - Vice President Kelly Hagen - Secretary Dan Beauchamp Jody Anderson Donna Devine Janelle Holth Credit Committee Sheila Varnson Karla Scott Lynn Hoverson Med Park CU is offering all qualified borrowers the opportunity to skip one monthly payment (or two biweekly payments) on your loan $30 for each loan. Your regular loan payment October 24 (to skip during November) from payroll deduction will November 21 (to skip during December) automatically be posted to December 19 (to skip during January) your savings or checking Member signature: ___________________ account for the month you Date: ______________________________ choose to skip. This coupon Account Number: ____________________ must be returned to our office by: Do you have people in your life that you just don’t know what to get them for Christmas? Don’t forget...Med Park Credit Union has Visa Gift Cards, which is a perfect gift for those in your life that are hard to shop for! Supervisory Committee Deb Abar Deb Nelson Linda Hoff Staff Cheryl Malm - CEO Cindy Grohs Sandy Haugen Kaylie Deziel Back to School Loan as low as 5.50% APY Avaliable Sept. 1st through Oct. 31st Federally insured by NCUA Christmas Club Accounts Your money will be transferred from your Xmas account to your primary SAVINGS account on October 15, 2014. Mobile Banking Med Park Credit Union’s will be available by November 15, 2014 for all members! 50th Anniversary will be in 2015! Party Time!! Coming in November, Electronic Bill Pay service will be changing. Our new program will give you more services and options, all at your fingertips. Med Park Credit Union will make your transition seamless! Simple Ways to Protect Your Identity • • Join Us on International Credit Union Day! Members! Please stop by Med Park Credit Union for cookies and coffee on October 16, 2014. We will have a registration for give-aways! Rates New Auto . . . . . . as low as 2.14% APR Used . . . . . . . . . . as low as 3.50% APR New Recreational.. as low as 3.14% APR Used Recreational. as low as 4.50% APR HELOC. . . . . . . . . . . . . . . . . 5.00% APR • Create a photocopy of all your important documents including a separate stack of those that you carry around in your wallet. If your wallet gets stolen, you won’t have to sit down to remember what important documents it held! On the signature strip behind your credit/debit card, don’t sign! Instead, write “ASK FOR PHOTO ID.” This will give you some added protection in case it gets stolen. Do your bank checks show your entire address and phone number? Yes? Why? It’s unnecessary! When you order checks, don’t give your phone number and if possible give a Post Box address. “The greatest lesson of life is that you are responsible for your life.” ~Oprah Winfrey~ Holiday Closings Visa. . . . . . . . . . . . . . . . . . . . 8.90% APR Columbus Day - Monday, October 13 Line of Credit. . . as low as 12.00% APR Veterans Day - Tuesday, November 11 Savings. . . . . . . . . . . . . . . . . .05% APY Checking. . . . . . . . . . . . . . . . .05% APY Thanksgiving Day - Thursday, November 27 6 month CD. . . . . . . . . . . . . . . .10% APY Christmas Day - Thursday, December 25 12 month CD. . . . . . . . . . . . . . .25% APY New Year’s Day - Thursday, January 1 0% Credit Card Teaser Rates Is a 0% teaser rate on a new credit card really a good deal if you know you won’t pay off the balance before the rate expires? It’s just too tempting to pass up! An interest-free credit card? You’ve got to be joking! Actually, the joke’s on you: human nature is to rack up debt because it “costs you nothing” and then, when the teaser rate ends, you’ve got a big fat chunk of debt...and a high interest rate. Don’t fall for it. If you need a credit card, opt for one with an overall low-interest rate, not a teaser rate that encourages you to create more debt and then leaves you with a high rate afterwards. Stop in the credit union and apply for our low interest rate Visa Card - 8.9% APR. “You cannot hang out with negative people and expect to live a positive life.” A Little Secret for Online Shoppers Shopping online? Before you click the “buy now” or “checkout” button, log onto www.naughtycodes.com or www.edealfinder.com. Both sites collect discount codes and will help you find the best deal. Be sure to look closely. Sometimes one promotion is better than another with the same retailer. C h ri s tm a s Loan Special 5.0%APR Offer good from November 1, 2014 to January 31, 2015 with a one year payback Check out our website at www.medparkcu.com