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

Worth
For What It’s
January 2015 | Volume 45 | Issue 1
LANDMARK CREDIT UNION MEMBER NEWSLETTER
Save Money
in the New Year!
Take advantage of these
consolidation tools.
Details inside.
In this issue...
From the President
Page 2
Tax Resources
Page 3
Tablet Apps
Page 4
From the President
by Jay Magulski
In 2014, the Landmark Credit Union
team found new ways to better serve
our members while we continued to
grow. We completed our previously
announced acquisition of Hartford
Savings Bank, adding three new
branch locations. We also remodeled
our New Berlin branch and relocated
our Burlington branch to a new site – adding more convenience
and visibility. We now have 32 branch locations to serve our
members in Southern Wisconsin.
We retained our number 1 ranking as the top auto lender in
Southeastern Wisconsin. Our focus on consumer education
remained strong – offering many seminars on topics such as
home buying, investments, and understanding and managing
your credit rating.
We continued to consistently offer very favorable rates on
loans and deposits along with products and services that
have no or low fees. We introduced a cash back credit card
that allows members to earn up to 1.25% on their purchases,
as well as a referral program that can reward our members up
to $500 annually for referring family and friends to Landmark.
Your Landmark team consistently focuses on executing
our brand promise – which is to bring consistent value and
convenience to our members. On behalf of our 575 associates,
we sincerely thank you for your business and allowing us to
continue to demonstrate that “You’re worth more here.”
We continued to invest in technology solutions that allow
our members to conduct their banking with us when, where
and how they choose. We also continued to leverage internal
technology solutions and streamline processes in order to
remain efficient and cost effective.
FREE Financial Education Seminars
investment seminar
what you need to know
about social security
An informational meeting about
Social Security benefit options
and how they may influence
your retirement decisions.
Guest Speaker:
Matthew Craig
Vice President - Regional Sales
Manager at Prudential Financial
Thurs., January 22, 2015
6:30 p.m.
Country Springs Hotel
Meadowbrook Room
2810 Golf Road
Pewaukee, WI 53072
Please call (262) 796-4515
by January 15th to register!
Securities offered through LPL Financial, member FINRA/SIPC. Insurance
products offered through LPL Financial or its licensed affiliates. Landmark
Credit Union and Landmark Investment Center are not registered broker/
dealers and are not affiliated with LPL Financial. Matthew Craig,
Landmark Investment Center and LPL Financial are separate entities.
Not NCUA Insured No Credit Union Guarantee May Lose Value
PAGE TWO • FOR WHAT IT’S WORTH
first-time home
buyer seminarS
Please join us to learn more about the
different types of home loan programs
and receive tips from realtors and home
inspectors, along with a free workbook.
Tues., February 10, 2015
6:30 p.m. - 8:00 p.m.
Landmark Credit Union
9515 W. National Avenue
West Allis, WI 53227
Please call (262) 796-4500, ext. 3593
to register for this location.
82nd Annual
Meeting Notice
Tuesday, March 10, 2015
2:00 p.m.
Administrative Offices
5445 S. Westridge Dr.
New Berlin, WI 53151
All members are invited! Receive
Land­­mark’s 2014 progress report.
The terms of three directors are expiring.
The Nominating Com­mittee has
proposed the following to fill threeyear terms
Ron Kase, Director since 1976
Brian Dorow, Director since 2005
Grace Kostroski, Director since 2005
Landmark Credit Union
4000 S. 27th St.
Miilwaukee, WI 53221
You are hereby advised of your right under Article V, Section 4
of the Credit Union’s bylaws to submit to the Chairperson on or
before January 23, 2015 a petition requesting your nomination as a
nominee to the Credit Union’s Board of Directors. Your petition
must be signed by at least one hundred (100) members eligible
to vote at meetings of the members of the Credit Union. If no
member submits a petition, the Chairperson shall take a voice
vote or declare each nominee elected by acclamation at the
annual meeting and there shall be no election by mail ballot.
Please call (262) 796-4500, ext. 3019
to register for this location.
Mark your calendar
and join us!
Wed., February 18, 2015
6:30 p.m. - 8:00 p.m.
Save Money in the New Year!
Everyone could use a
little extra savings in the
new year. These two great
consolidation tools might
be just what you need for
a happier 2015.
Tax Resources
•
2400 N. Grandview Blvd.
Waukesha
9515 W. National Ave.
West Allis
Home Equity Line of Credit
1.99% 3.99%
APR1
Locked until January 2016!
Regular rate
APR
No closing costs.2 No annual fees.
•Turbo Tax
landmarkcu.com
Cash Back VISA® Credit Card
Special introductory offer
0
%
APR 3
for the first
six months
Intro APR available on purchases & non-Landmark balance transfers. After,
rate will be 10.9% - 16.9% based on creditworthiness. Rate is variable.
Earn up to
1.25
%
Cash Back
4
Apply at landmarkcu.com today!
1 - 1.99% APR available on owner-occupied homes with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Rate is
variable. Rate locked until 1-1-16, then set at Prime (recently 3.25%) or 3.99% APR, whichever is higher. Rate is subject to change on 1-1-16, and
thereafter on the first business day following any change in the Prime Rate as published in the Wall Street Journal. Interest only payments are
available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180
months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. Existing Landmark HELOCs may be modified for a $350
fee. Homeowners insurance required. Rates and terms subject to change. Appraisal cost of $350 required at time of application. 2 - Appraisal
cost is refunded, and additional closing costs of $325 are waived at closing for all new closed, < 80% LTV, owner-occupied Home Equity Line
of Credit loans with a balance/limit of $10,000 to $100,000 when the home is not listed for sale. 3 - Rates are subject to change. Limited to
accounts in good standing. Cash advances are not eligible for the 0% Intro APR. APR is 13.9% - 19.9% on cash advances. Allow 3-4 weeks for
balance transfers. An account will be disqualified if it becomes 60 days past due. 4 - 1% Cash Back for purchases up to $10,000, 1.25% Cash
Back on annual purchases of $10,000 and more. The Cash Back period will reset on January 1 each year.
Join us for our
Spring Bloomin’
Cruise trip!
Mark your calendar and join us for our
Spirit of Chicago Luncheon Cruise and
Flower & Garden Show at Navy Pier on
March 17, 2015. Relax on the scenic
cruise, then enjoy the beautiful displays
or an afternoon of shopping.
Visit landmarkcu.com/navy-pier-trip
for complete details and to register or
stop at any branch for a reservation form.
LANDMARKCU.COM • PAGE THREE
Refer your friends and earn up to $500!
When you recommend your
friends and family to Landmark
and they open a qualified
checking account, you each
earn $50 VISA® Reward Cards!
The more friends you refer, the
more opportunities you have to
earn money - up to $500 in a
calendar year.
Vist referlive.com/landmarkcu
to register, then tell everyone
you know about Landmark!
Federally insured by NCUA. Referrer will earn a $50 VISA Reward Card for each individual referred to Landmark who opens a new checking account with direct deposit and
e-statements. A referrer may receive up to ten Reward Cards ($500 value) within a calendar year. To earn a $50 VISA Reward Card, the referred person must open a
new checking account and complete the direct deposit and e-statement requirements within 60 days after account opening. May not be combined with other offers.
This program may be discontinued at any time without notice. Allow 4-6 weeks after completing requirements for delivery of your Reward Card to the physical address
provided. Registration required. Visit referlive.com/landmarkcu for full terms and conditions.
Tablet Apps
provide new 24/7
account access
Enjoy anytime, anywhere account
management from your iOS or Android
tablet. Our tablet apps allow you to
check balances and history, transfer
funds between Landmark accounts,
view and schedule upcoming bill pays,
deposit checks,* and locate branches
and ATMs.
Download today at landmarkcu.com!
Current enrollment into Online Banking is required. Bill payment is available to
members currently enrolled for this service within Online Banking. Transfers
can be made between your accounts at Landmark. Landmark Credit Union
does not charge for the use of this application. Your mobile phone carrier may
charge data access fees, so please review your contract for details. Android is
a trademark of Google Inc. *Mobile Deposit feature not available on Android
Tablet app and Amazon app. Scheduled release coming soon.
We can help with college tuition. Visit landmarkcu.studentchoice.org
today to learn more about our Student Choice private loan solution.
Phone Numbers
Milwaukee Metro
Madison
Beaver Dam
Toll Free
(262) 796-4500
(608) 251-0621
(920) 887-7783
(800) 871-2110
Upcoming Events
Jan. 9-11
Building & Remodeling Show Wisconsin Center
Jan. 22
Investment Seminar - Country Springs
Feb. 5
Landmark founded, 1933
Feb. 6-21
Links Sale for Children’s Miracle
Network
Feb. 10
Home Buying Seminar - West Allis
Feb. 18
Home Buying Seminar - Milw. South
Mar. 10 82nd Annual Meeting
Mar. 11
Home Buying Seminar - West Allis
Mar. 17
Trip - Chicago Bloomin’ Cruise
Mar. 20-22, Realtors® Home & Garden Show State Fair Park
25-29
Mar. 24
Home Buying Seminar - Milw. South
Apr. 5
Easter - Landmark Closed
Branch Locations
Beaver Dam .......................................................................106 E. Main St.
Brookfield.........................................................13600 W. Greenfield Ave.
Burlington.................................................................973 Milwaukee Ave.
Cudahy..................................................................... 4801 S. Packard Ave.
Fall River ..........................................................................140 McCrae Rd.
Franklin (Inside Pick ‘n Save) ...................................... 7780 S. Lovers Lane Rd.
Germantown .............................................. N96W17480 County Line Rd.
Grafton .................................................................... 2190 Wisconsin Ave.
Hartford ....................................................................... 1400 Schauer Dr.
Hartland ......................................................................... 801 Cardinal Ln.
Hubertus .................................................................. 3098 Reflections Dr.
Juneau ............................................................................. 146 S. Main St.
Juneau (Inside Piggly Wiggly)............................................... 100 Western Ave.
Madison ...........................................................................1101 Spring St.
Mayville (Inside BP gas station) ..............................................1400 Horicon St.
Milwaukee Bay View ....................................... 2797 S. Kinnickinnic Ave.
Milwaukee Midtown (Inside Wal-Mart) ............................ 5825 W. Hope Ave.
Milwaukee South ........................................................... 4000 S. 27th St.
New Berlin ............................................................ 2775 S. Moorland Rd.
Oak Creek ................................................................. 8129 S. Howell Ave.
Oconomowoc .............................................................. 955 Lexington Dr.
Racine ........................................................................... 1931 Grove Ave.
Racine ............................................................................ 3413 Rapids Dr.
Racine (Mt. Pleasant) ............................................... 6219 Washington Ave.
Sussex .................................................................... N64W22694 Main St.
Watertown (Inside Wal-Mart) ............................................ 1901 Market Way
Waukesha ........................................................ 2400 N. Grandview Blvd.
Wauwatosa .................................................................. 3600 N. 124th St.
West Allis.............................................................. 9515 W. National Ave.
West Bend (Inside Pick ‘n Save) .............................................. 1629 S. Main St.
West Bend (Inside Pick ‘n Save) ................................. 2518 W. Washington St.
West Milwaukee ...................................................4501 W. National Ave.
®
Administration - 5445 S. Westridge Dr.
New Berlin, WI 53151-0870
Landmark’s Routing Number
275079714
landmarkcu.com
For What It’s Worth is published monthly
for the members of Landmark Credit Union.
James Reichart, Editor; Lisa Mies, Asst. Editor
Copyright © 2014 Landmark Credit Union
Federally insured
by NCUA.
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