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The Newsletter of Clearview® Federal Credit Union
Now Available - Our Elite Rewards
Visa Signature® Card!
W
hether you’re ready to take
a vacation, start some home
improvements or do your holiday
gift shopping, Clearview’s Elite Rewards Visa
Signature® card is the perfect fit!
With the Elite Rewards card, you’ll earn
1.25 Elite Rewards points per dollar spent on every purchase, and
you can earn up to 1,000 points each month when you have an active Elite
Rewards card and select Clearview products and services. Earn points for your
Clearview Checking account, direct deposit, combined savings and loan balances,
eStatements, loans and more!
Then, redeem your points for merchandise, airline tickets, reductions on your
loan rate, increases on your certificate rate, refunds for fees, cash deposited
to your account or payments applied to your credit card balance.You pick
whichever rewards fit best with your lifestyle!
Plus, if you apply for a new Elite Rewards Visa Signature card between now
and January 31, 2015, you’ll be eligible for a 0% interest rate on all purchases
during the first nine months1, and you can earn 10,000 bonus points2 for the first
$1,000 you spend on purchases in the first 90 days! You’ll be off to a great start in
choosing your perfect rewards!
Visit clearviewfcu.org, call us at 1-877-456-2640 or visit any Clearview branch
to apply or to learn more about the extra security and benefits you’ll enjoy.
Experience how our Elite Rewards Visa Signature card can be the perfect fit for
everything you do!
1. APR = Annual Percentage Rate. Payments to your Visa will be posted according to applicable laws.
Purchases may not exceed your available credit. In order to qualify for the 0% APR, the Visa credit card
must be a newly opened Visa Signature account. The 0% APR on purchases will be in effect for the first
nine months after the account is opened, after which the rate will then revert to your regular standard APR.
Rate is subject to change without notice. Clearview Platinum, Student, Secured, Business Visa and Home
Equity Visa cards are excluded. All loan approvals are subject to normal underwriting guidelines.You must
be at least 18 years old to apply. Offer ends January 31, 2015. Click here for promotional credit card terms
and information.
2. In order to qualify for the 10,000 bonus Elite Rewards Points, the Visa Signature credit card must be newly
opened and $1,000 must be charged to the Visa Signature card within the first 90 days of account opening.
Once the requirements have been met, the bonus points will post to the account at the next cycle date.
Clearview Platinum, Student, Secured, Business Visa and Home Equity Visa cards are excluded. Offer ends
January 31, 2015.
Points program is subject to change without notice. Platinum Rewards Points do not qualify for cash
deposits or payments to a Visa account.
December 2014
Know Your
Priorities to Make
Holidays Special!
Whether you celebrate Christmas,
Hanukkah, Kwanzaa or just the
beginning of winter, the holiday season
can be stressful with finances often
playing a large role.
Figure out what makes the holidays
special for you and your family, then
allocate most of your spending towards
those things. Maybe there are other,
less important things you can scale
back or skip. For instance, if you love
hosting a lavish holiday dinner but are
ho-hum about festive holiday clothing,
then repurpose an old outfit instead
of buying something new. Budget
more for your dinner instead. The key
is to set priorities and identify the
important things.
And remember that handmade or
homemade goodies, charitable gifts, or
the gift of time can mean much more
to a recipient than
store-bought presents.
If you do decide to
purchase some pricier
gifts, try to save some
money ahead of time
so you’re better prepared when it’s
time to shop. To help get ahead on
next year’s shopping, you can set up a
Christmas Club Account at Clearview.
Call us at 1-800-926-0003 or stop by
any Clearview branch. We’re happy to
help make each holiday extra special
for you and your family!
The Newsletter of Clearview® Federal Credit Union
Our Members
Members Matter
Our
MATTER
December 2014
Clearview Visa®
Gift Cards!
It’s that time of year again...
Pick up a gift card for everyone on
your list today!
Celebrating the Clearview Family
W
hether you are a new-comer
or a long-timer at Clearview
Federal Credit Union, we see
you as family. Everyone has a Clearview
story. What’s yours?
Share your story with us and you may
find yourself sharing the limelight in our
ad campaign. Or tell us fellow member
stories and shine the light on them.
Share your story at
clearviewmembership.org
Tamilyn R., Administrative Assistant, Moon Township Branch
Gwendolyn B., Clearview Member since becoming
a flight attendant in 1968
Supporting Your American Dream
C
learview proudly supports the American dreams of our members this holiday season with
a variety of real estate lending products. From a fixed-rate first mortgage to a great Home
Equity Line of Credit rate, we have options for everyone!
Our Home Equity Line of Credit gives you access to funds at a low, money-saving introductory
rate of 1.99% APR for six months and a rate as low as 2.99% APR after that!1
Stop by any Clearview branch and
enjoy no purchase fee* on
Visa Gift Cards through
December 31, 2014.
*Monthly fee of $2.95 after 12 consecutive months of
inactivity. Lots/stolen replacement card fee of $5.00.
Prepaid card is issued by MetaBank®, Member FDIC,
pursuant to a license from Visa U.S.A. Inc.
Important Dates
December 24, 2014
Offices close at 1:00 pm
In addition, you’ll enjoy these other money-saving features:
• Free closing costs up to $5002
• No application or annual fees
• Tax-deductible interest3
December 25, 2014
Offices closed for Christmas Day
You can also take advantage of our low, fixed rate
Home Equity Loan, with a variety of rates and terms to suit
your needs, such as a 3.75% APR4 for a 5-year term.
December 31, 2014
Offices close at 5:00 pm
Take advantage of our low rates today! For more information
or to apply, visit clearviewfcu.org, call us at 1-877-4LOAN40
(1-877-456-2640) or stop by any Clearview branch.
January 1, 2015
Offices closed for New Year’s Day
1. Rate discount is based on a 6-month fixed term with $10,000 in new funds. The introductory rate will be locked in for 6
months from closing date. After 6 months, the APR will be indexed as low as Prime Rate–.26% based on creditworthiness and loan-to-value, with a floor of 2.99% APR. The index used to determine the APR will be the Prime Rate found in the
Money Rates Section of the Wall Street Journal published on the first working day of the month. The APR will then be
adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective March 1, 2014. Offer not
available in Alaska, Hawaii and Texas. Other rates and terms are available. All rates are subject to change without notice.
All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must
be owner-occupied.
2. Maximum closing cost reimbursement amount is up to $500.00. Closing cost amount will be rebated after you finance a
minimum of $10,000 in a new Home Equity Loan. Closing costs will also be rebated with a minimum of $10,000 added on to
an existing Clearview Home Equity Loan. If a loan is re-mortgaged with another financial institution or paid off within 12
months of origination, the rebate must be reimbursed to Clearview.
3. Interest may be tax-deductible. Consult a tax advisor.
4. Rate discount applies to minimum loan amount of $10,000. Rate is based on a five-year term at 80% loan-to-value. Rate
includes a .25% discount for automatic payment. No other discounts can be combined or used in conjunction with this offer.
Rates effective March 1, 2014. A loan of $10,000 for 60 months would have monthly principal and interest payments of
$183.04. Other rates, terms and products are available. All rates are subject to change without notice. All loan approvals are
subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied.
January 2, 2015
Ralph B. Canterbury Scholarship
Applications are available
January 19, 2015
Offices closed for Martin Luther King, Jr. Day
February 16, 2015
Offices closed for Presidents’ Day