A quarterly publication for the members of Missouri Valley Federal Credit Union WINTER 2012 We Want Your Debt! Get A Lower Payment With MOVFCU! You can do something about your high interest rates, expensive fees and hidden charges: Bring your bills to Missouri Valley Federal Credit Union! We will help you lower your monthly payments, lower your interest rates and pay down your balances faster. All of our loan and credit options have great features: • Visa® Credit Cards with rates as low as 7.90% APR* and no balance transfer fees • Home Equity Loans and Lines of Credit with record-low rates and potential tax benefits** • Auto Loans with no application fees, flexible terms and rates starting at just 2.25% APR* • Personal Loans that help improve your credit score with fixed low rates and no application fees Get a handle on your debt, lower your payments, get better rates and great service with help from MOVFCU! Contact us at (636) 978-8800, or stop by the credit union today. Our loan staff will help you evaluate your payments, transfer your balances and save more money! *APR = Annual Percentage Rate. Membership eligibility and creditworthiness apply. Contact the credit union for complete loan and credit details. **Contact your tax advisor for more information regarding the tax advantages of home-equity-based loans. 2 Reward Yourself With A ScoreCard Rewards Visa® Credit Card New Fraud Detection System 3 Take Our Loans To The Show 2012 St. Louis Show Schedule Scholarship Opportunities Need To Change Your PIN? When Mistakes Happen, We Say OOPS! 4 What’s New With You? Warm-Up Wrap-Up Your Donations Make A Difference Save The Date For Our Annual Meeting Holiday Closings, Hours & Contact Information Messenger 2 MOVFCU Launches New Fraud Detection System As part of our normal safety practices, MOVFCU monitors your credit and debit accounts for suspicious activity. If we believe that your accounts have been compromised – either because of out-of-state activity or high-dollar purchases – your transactions may be declined until we can confirm that the charges are yours. Recently, the credit union added an extra layer of security to our fraud prevention services. If a suspicious transaction occurs, you may receive an automated call from our Fraud Detection Center. This service allows you to validate legitimate transactions and avoid potential account restrictions. The call will ask you to confirm (not enter) the last four digits on your debit card, enter your zip code and validate a suspicious transaction. Please be assured that this is a legitimate call, not phishing. We will NOT ask for your member account number, PIN number, passwords, social security number or any other private financial information. However, if you have questions, please contact the credit union directly at (636) 978-8800. With A ScoreCard Rewards Visa Credit Card Need To Change Your PIN? Visit Our ATM! If you wish to personalize your debit or ATM card personal identification number (PIN), you must visit the ATM located outside of the MOVFCU main office on Mexico Road. The process is quick and easy – simply insert your card, enter your current PIN, and select ‘PIN While you’re busy taking care of everyday life – picking up groceries, paying for an oil change or buying a birthday gift for a friend – Missouri Valley Federal Credit Union is busy taking care of you! With our new ScoreCard Rewards Visa Credit Card, your qualifying purchases can add up to valuable bonus points and great rewards. When you use your ScoreCard Rewards Visa Credit Card, you won’t just earn points toward travel, merchandise and electronics. You’ll enjoy great credit card features that help you make the most of your money: • Low, fixed annual percentage rate of 9.90%* • A 25-day grace period on all purchases • Convenient online account access • No annual fees or balance transfer charges Change’ from the service menu. The ATM will ask you to enter a new four-digit PIN on the keypad and confirm the change. Once this is complete, you may use your new PIN for all future ATM transactions! Life should be more rewarding! Visit www.scorecardrewards.com to review your redemption options, then contact MOVFCU to apply for your ScoreCard Rewards Visa Credit Card today! *Membership eligibility and creditworthiness apply. Contact MOVFCU for complete card details. WINTER 2012 Take Our Loans To The Show It’s the start of a new show season – are you ready to check out the latest cars, home accessories, boats, RVs and more at America’s Center and the Edward Jones Dome? Before you head to the shows, stop by MOVFCU! We can pre-approve you for the financing you need, so you can take advantage of the cash-back offers, special sales and rebates featured at each event. Whether it’s a vehicle loan, an RV loan or a home equity line of credit, our rates are often lower than manufacturer financing rates, and we offer low-cost 2012 St. Louis Show Schedule loan insurance. Plus, you’ll walk in as a cash buyer, so you’ll have the leverage you need to negotiate the best deal possible. 35th Annual St. Louis RV Vacation & Travel Show 1/13/2012 - 1/15/2012 America's Center, St. Louis www.stlrv.com Call (636) 978-8800, stop by the credit union office, or fill out a loan application at www.movfcu.org today. We’ll help you make those plans for your home, garden or recreational vehicle a reality! The St. Louis Auto Show 1/26/2012 - 1/29/2012 America's Center & Edward Jones Dome, St. Louis www.saintlouisautoshow.com Scholarship Opportunities Can you create stylish designs using only duct tape? Would you be a valuable addition to the crew of the Starship Enterprise? Is your crystal ball handy for looking into the economic future? All of these questions may seem odd, but if you answered ‘yes’ to any of them, you may be eligible for one of the weirdest scholarships in America. Compiled by the Zen College Life website, this list can help you find the money you need for college in some unexpected places. Here are just a few of the scholarships available to students who are uniquely qualified: • Excellence in Predicting the Future Award You don’t have to be a fortune teller to win this $400 award. You just need a knack for predicting the financial market and have an interest in economics. • The Kor Memorial Scholarship If a college degree will help you live long and prosper, then apply for this $500 scholarship from the Klingon Language Institute for students in the field of language study. • Duck Brand Duct Tape Stuck on Prom Contest Create your prom outfits using duct tape, and you and your date could win $3,000 in scholarship money! St. Louis Boat & Sports Show 2/8/2012 - 2/12/2012 America's Center & Edward Jones Dome, St. Louis www.stlouisboatshow.com St. Louis Home & Garden Show 2/23/2012 - 2/26/2012 America’s Center & Edward Jones Dome, St. Louis www.stlhomeshow.com When Mistakes Happen We Say OOPS! Whether you make an honest math mistake or run into an unforeseen expense, MOVFCU’s Occasional Overdraft Privilege Service (OOPS!) can save you the embarrassment and possible merchant charges associated with returned checks and declined transactions. With OOPS!, the credit union will honor an Of course, you don’t need to wear crazy outfits or read tea leaves to qualify for the scholarships offered by MOVFCU. You just have to be member of the credit union for at least one year and plan to attend an accredited four-year college or university in the fall. Scholarship candidates will be evaluated on the basis of academic achievement, extra-curricular activities and a written essay. Application materials are due by February 29, 2012. Three winners will receive $500 towards their education costs, and you won’t even have to give an acceptance speech in Klingon! Visit our website, www.movfcu.org, to learn more or print a scholarship application today! 3 overdraft transaction up to a maximum of $800. You must opt in to this special service, but no applications or credit checks are required. All you need is an eligible MOVFCU checking account! To learn more about OOPS! and how MOVFCU can protect your account from overdrafts, call (636) 978-8800. 4 What’s New With You? Holiday Closings Our office will close in observance of the following holidays: From time to time, MOVFCU has to contact account holders to verify transactions, discuss a loan closing or confirm account changes. That’s why it’s important to review your personal information with the credit union and help us keep our files up to date. If you have moved, changed phone numbers, or need to add joint owners or beneficiaries, we want to know. We also would like to make your financial transactions as smooth as possible by keeping a copy of your current identification on record. Stop by one of our offices to update your information today! Monday, January 16 Martin Luther King, Jr. Day Monday, February 20 Presidents’ Day Warm-Up Wrap-Up Missouri Valley Federal Credit Union would like to extend a sincere thank you to all of the members who contributed to another successful Warners’ Warm-Up Coat Drive! The donations you placed in our collection boxes helped us collect 15 coats this year. These contributions won’t just protect people from the harsh elements this winter season – they’ll warm hearts as well. Your Donations Make A Difference This fall, you may have noticed that our branch was filled with red Christmas lights and adorable little snowmen. Credit union employees sold these paper decorations to benefit Children’s Miracle Network, and your generous donations totaled $300. 7900 Mexico Rd. St. Peters, MO 63376 Credit union members also helped us make the holidays merry and bright for two soldiers through the adopt-a-soldier program. Both PVT 1st Class Sarah Miller and PVT 1st Class Mark Block, Jr. received boxes with necessities and treats because of your contributions. Lobby Hours We appreciate the support of all the members who helped us make a difference this holiday season! P.O. Box 1543 Mon., Tues., Thurs. 8:30 a.m. - 5 p.m. Wednesday 9 a.m. - 5 p.m. Friday 8:30 a.m. - 6 p.m. Saturday 8:30 a.m. - noon Save The Date Drive-Thru Hours For Our Annual Meeting Monday-Friday 8 a.m. - 6 p.m. Saturday 8 a.m. - noon 636-978-8800 Locally 800-578-2187 Out Of Area Fax: 636-980-2211 The MOVFCU Annual Membership Meeting is just around the corner, so mark your calendars now! All members are invited to gather with old friends and new as we review our accomplishments and look forward to continued success in 2012. The gathering will feature refreshments, a business meeting and prize drawings. Watch for additional details on our website, www.movfcu.org. We hope to see you there! Email: [email protected] www.movfcu.org DEC11-958TP Tuesday, March 27
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