1. finance
2. personal finance
3. lending
4. credit cards

Member
News
A newsletter for the members of Falls Catholic Credit Union
Fall 2014
Falls Catholic Credit Union VISA® Gets You
Ready for Holiday Shopping
‘Tis the season… for holiday planning. And there’s
no better way to plan for the holidays than by
getting your finances in good shape. We suggest
transferring your existing credit card balances to
a low-interest Falls Catholic Credit Union VISA®
Credit Card! During our VISA® Balance Transfer
Promotion, you pay NO balance transfer fees and
your rates could be as low as 5.99% APR*. With
rates like this, it’s a lot easier to pay down your
balance.
Don’t have a Falls Catholic Credit Union VISA® yet?
See us today or visit us online at www.fallsccu.org.
With everyday low interest rates, you can put a lot more
“jingle” in your pocket for the holidays!
*Annual Percentage Rate. Credit limit is determined by personal credit history. All rates and
promotions are subject to change without notice.
Make It Happen Now with a
Signature Loan
Got big plans? Plans that need money? Now you can make
those plans happen with a Falls Catholic CU Signature Loan.
Whether you need to cover an unexpected expense – a car
repair, vet bill, etc. – or pay for something good like a vacation, home improvement project or even a wedding, we’re
happy to help. Borrow for any reason with rates as low as
6.90% APR* for 24 months.
To apply, stop in or call us today.
*Annual Percentage Rate. Sample monthly payment for loan of
$2,500.00 for 24 months at 6.90% APR would be approximately
$111.82. Loan rate is determined by personal credit history and
term of loan. All rates and promotions subject to change without
notice. Other rates and terms for new and used cars and trucks are
available on our website at www.fallsccu.org.
Fall is Bargain Time
for Car Shoppers
Did you know… that fall is a great time to
shop for a new car? That’s when next year’s
models start arriving, and dealers are anxious
to get rid of their current stock! With Falls
Catholic CU Vehicle Financing, we can save
you even more money with competitive, low
rates and flexible terms. It’s as easy as 1,2,3:
1. Get pre-approved for a loan before
you shop. You will know exactly
how much you can afford, and can
negotiate with dealerships as if
you were paying cash. Don’t take a
chance on losing your end-of-season
savings with a high-rate loan from
the dealership.
2. Take advantage of our rates – as
low as 1.90 APR* with terms up
to 48 months, and 2.00* APR with
terms up to 60 months. We offer
competitive, low rates and flexible
terms for used vehicles too.
3. Do the math – on a vehicle loan of
$20,000 for 48 months at 1.90%
APR*, your payment would be
approximately $433.03. A vehicle
loan of $20,000 for 60 monts at
2.00% APR*, your payment would
be approximately $350.56. You may
find that you can afford more car
than you thought!
Applying is easy! Just stop in or
apply online at www.fallsccu.org.
*Annual Percentage Rate. Loan rate is determined by personal
credit history and term of loan. All rates and promotions subject
to change without notice. Other rates and terms for new and
used cars and trucks are available on our website at www.
fallsccu.org.
Top 10 Reasons to
Skip-A-Pay This Fall
1. Back to school expenses
2. Take advantage of off-peak
vacation packages
3. Early holiday shopping
4. Family coming for Thanksgiving
and you have to feed them all
5. Spend money on carpet cleaning
for upcoming holidays
Holiday Closings
6. Buy holiday decorations
7. Need a new fall wardrobe
8. Football game season pass (and
tailgating parties!)
9. Build your own haunted house
for the neighborhood kids
10. You work hard and deserve a
treat!
Columbus Day,
Monday, October 13th
Veteran’s Day,
Tuesday, November 11th
There are hundreds of reasons to take advantage of Falls Catholic Credit Union’s
Skip-A-Pay program for loans. Take a one-month break on any personal or vehicle
loan that you have with us, and use the cash for something else! To take advantage of
our Skip-A-Pay, visit www.fallsccu.org and complete the application. Then return the
completed application to us at least 10 days before you payment due date, along with a
one-time $35 processing fee per loan. Once your application is processed, the skipped
payment is added to the end of your loan. Enjoy!
Thanksgiving Day,
Thursday, November 27th
Christmas Day,
Thursday, December 25th
New Year’s Day,
Thursday, January 1st
*Certain restrictions apply. *All your loans at Falls Catholic Credit Union must be current, not in work-out status, or alternate payments, with no collection
action pending. Your account must not be overdrawn, and you must have sufficient funds on deposit to cover the $35 processing fee. Interest will
continue to accrue on your loan during the month you skip your payment. Each loan payment is applied first to unpaid late fees and charges, then to
the accrued interest due on the loan, and the remaining amount is applied to the principal balance. Up to one (1) skip per loan may be performed during
a 12-month calendar year. Excludes first mortgages and credit cards. Your regular payment schedule will resume the month following the approved
skipped month.
Falls Catholic Credit Union
What a Difference a Rate Makes!
Celebrate Our Savings Rates!
Members Save $$ on
Insurance through
Liberty Mutual
Here’s yet another reason to be a
Falls Catholic CU member – save
money on your insurance policies!
Qualified members receive
exclusive savings on auto and
home insurance through Liberty
Mutual Insurance. Enjoy big
savings with discounts for Vehicle
Safety Features Mutual Vehicle,
Multi-Policy and much more! Ask
for a free quote today and find out
if you’re eligible for these great
money-saving deals.
Share Savings
Minimum
APR* APY**
$50.250% .250%
Share Certificate
12 month term $2,000 .750%
Money Market
$2,000.370% .370%
.750%
The BEST Rates In Town - Check Out ALL Our
Rates and Compare at
www.fallsccu.org
*APR= Annual Percentage Rate
** APY= Annual Percentage Yield
Regular Certificates with balances of $50,000 or higher earn
an extra 0.100% All rates subject to change without notice.
33 Graham Road
Cuyahoga Falls, Ohio 44223
Phone: 330-929-7341
Toll-Free: 800-982-3228
Fax: 330-929-9342
24-Hour Account Access: 330-929-1636
www.fallsccu.org
Office Hours
Monday Tuesday Wednesday Thursday Friday Saturday 9am - 5pm
9am - 5pm
9am - 1pm
9am - 5pm
9am - 6pm
9am - Noon