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

January 2015
That’s Right, You’re A
Credit Union Owner
By every measure, Century Credit Union gets top ratings when it comes to service.
Our members are among the most satisfied anywhere, and we tend to hang on to
our members over time. Folks who got their first accounts with us as kids are now
coming to us for auto loans, and even their first home loans. Members who have
raised families with us are now reaping the benefits of secure retirement savings with
our certificates, money market accounts and IRAs.
Is it our friendly, professional staff? Is it the fact that our management is constantly
looking for ways to cut costs on loans? Is it the fact that our one-and-only checking
account is absolutely free?
Sure, and there’s more great service where that came from. But we do all that
because YOU are our credit union owner. You make the difference.
Credit Unions vs. Banks
Banks are owned by stockholders. Every decision made by a bank – how much of
a fee should they charge for checking, how high of an interest rate to charge for a
loan – is made by figuring out how much money the stockholders will earn when the
bank turns a profit. Customers are the means by which the stock portfolio grows.
Credit unions are not-for-profit financial institutions. The only concern is the member
and how he or she can save with security and borrow affordably.
Century Credit Union & You
Your credit union is a strong, solid financial institution which has been encouraging
members to save while making it possible for others to borrow since 1954.
• Every member is an owner, made possible with as little as $25 on deposit.
• Everyone gets an equal vote at our annual meeting, no matter the size of the
account.
• Everyone gets a say at Century Credit Union.
This year, we’re making it a priority to let you know we’re listening to our owners.
That means you. Let us know what’s on your mind!
YOU HAVE
A SAY!
What Our Owners
Can Look Forward To
In 2015
1. Renovation of our Lemay
Ferry office and new
drive-thru! Watch our
newsletters, website and
Facebook page for special
groundbreaking and ribboncutting celebration dates.
2. You pick the promotion!
We’ll select different memberowners and groups to help us
give you the deals you deserve.
Watch upcoming newsletters
for details. Have a great idea for
a special promotion? Tell us on
Facebook!
3. Surveys and more! You’re
the owner, so we’d like you to
tell us what you think. Throughout the year, you’ll have several
opportunities to take some
quick surveys and help make
sure our service is the best it
can be, for you and your fellow
member-owners.
Merry Christmas &
th
Happy 60
Two-Four-Six-Eight,
We’ll Anniversary!
Help You Consolidate!
Still Reeling From Holiday Cheer?
NO PAYMENTS FOR 60 DAYS!
*
Sometimes the holiday cheer can pile up in the form of holiday bills, especially high-cost
bills from
department stores and high-interest credit cards. In January, you need a post-holiday cheerleader!
Try one of these money-saving options:
• $50 - $100 Cash-Back Visa® Platinum Or Classic Balance Transfer. You’ll get an affordable rate (Platinum starts at just 8.9% APR*) and a $50 cash-back bonus just for transferring your
balance. Don’t have a credit card yet? We’ll give you $50 to open a new credit card account.
• 7.9% APR* Signature Loan Consolidation. The super-low rate means qualified members start
saving right away, and we can offer terms up to 36 months.
• $100 Off Closing Home Equity Loan Or Line Of Credit. Choose from our fixed-rate loan
or variable-rate line of credit, both of which offer the lowest rates and the greatest flexibility.
We’ve
had a greatyour
60thbills
anniversary
we’d like
to wrap
thethem
year ininstyle!
Consolidate
now, andcelebration,
have fundsand
available
when
you up
need
the future. You only
pay interest on what you borrow!
As our final gift to all our members to thank you for celebrating 60 years of “service of the Century” with us,
we’d like to invite our members to enjoy no payments for up to 60 days on loans closed in December!*
Our loan officers, Gina and Josh, can help you figure out which option is best for you. Call
Call 314-544-1818 or 800-595-8587 to apply, or visit our website. Gina and Josh are standing by to make all
314-544-1818
or 800-595-8587
to apply,
visit our website for our online application. You and
your holiday dreams
come true, whether
youorneed:
Century – that’s a team that deserves three cheers!
• A new or used auto at a fabulous low rate
*APR = Annual Percentage Rate. All members receive the lowest available rates based on credit score and other factors. Rates subject to change without notice. Contact
•A
signature
loan
to offers
helpavailable
you through
holiday season (or even tax time!)
the credit
union
for complete details.
Special
for a limited the
time only.
•A home equity loan to help out with holidays, home improvements or any practical purpose
To keep your checks absolutely free – one of the
many bonuses you receive with our totally free
checking account – we’re changing to a new check
printer. You’ll still receive two boxes of checks free
annually, and the basic style looks just about the
same. In addition, there are four other styles to
choose from, plus free accents and monograms.
Place your first order through the credit union to
get into the system, then re-order online (or with
a teller) as needed. Contact us if you have any
questions.
We’ll mail scholarship applications to all members
ages 13-18 in the coming month.
Members ages 13-15 are invited to
apply for the $500 Louis Kovarik
Memorial Scholarship, and those
ages 16-18 may apply for the
$1,000 William Pauly Memorial
Scholarship. Applicants will write an
essay based on a topic listed in
the application, and our winners
will be announced at our annual
meeting in April. Good luck to all
our student applicants!
Fast Tax Figures
The account figures you need to file your taxes are already available! Your
fourth-quarter statement includes complete details on all dividends earned
and the mortgage interest you paid during 2014. Members who use online
banking can also find this information in their account history. Official 1099
forms will be mailed no later than January 31, 2015, as long as you earned at
least $10 in dividends or paid more than $600 in mortgage interest.
3920 Jeffco
Jeffco Blvd.
3920
Blvd.
Arnold, MO 63010
Arnold,
MO 63010
636-464-5037
636-464-5037
800-880-0640
800-880-0640
fax 636-464-5039
fax 636-464-5039
Lost/Stolen Visa:
During business hours,
Lost/Stolen
Visa
please
callbusiness
a Centuryhours,
office.
During
please AFTER
call a Century
HOURS office.
H o li d ay C
lo s in g s
For Visa HOURS
Credit:
AFTER
1-800-682-6075
PLEASE CALL
For Visa Debit:
For
Visa Credit
1-800-472-3272
1-800-682-6075
ForHours:
Visa Debit
Monday
– Thursday
1-800-472-3272
9 a.m. – 5:30 p.m.
Friday 9 a.m. – 6 p.m.
Hours
Saturday 9 a.m. – Noon
Monday – Thursday
9 a.m. – 5:30 p.m.
Friday 9 a.m. – 6 p.m.
Saturday 9 a.m. – noon
Find FREE CO-OP ATMs
and enjoy CO-OP Shared
Branch offices locally,
regionally
around
the
Find FREEand
CO-OP
ATMs
country.
To
find
one
near
and enjoy CO-OP
you,
just check
our offices
website:
Shared
Branch
www.centurycu.org
locally, regionally and
around the country.
To find one near you,
just check our website:
www.centurycu.org
Federally insured by NCUA
DEC14-915LKCS
Federally insured by NCUA
DEC14-909LKCS
New Check Printer
1540 Lemay Ferry Rd.
1540
Lemay
Rd.
St.
Louis,
MOFerry
63125
St. Louis, MO 63125
314-544-1818
314-544-1818
800-595-8587
800-595-8587
fax
fax 314-544-2004
314-544-2004
PLEASE CALL:
Tell Your GenY Member To Watch
Get whatever
you need now and start paying us back later. Enjoy the season and our last gift to you!
Free
Checks,
For Scholarship Applications
*Offer available to members with credit in good standing. First payment due 60 days after closing, and interest continues to accrue during deferment
period. Contact the credit union for details.
CenturyCU.org
www.centurycu.org
and
Facebook!
and on
on Facebook!