Locations & Hours
Chesterfield Courthouse
Chesterfield Government Complex
6737 Public Safety Way
Chesterfield, VA 23832
Lobby Hours
Mon-Thur 9:00am-5:00pm
P.O. Box 820
Friday 9:00am-5:30pm Chesterfield, VA 23832
Drive-Up Hours
Mon-Fri 9:00am-5:30pm
County Paydays 8:30am-5:30pm www.chesterfieldfcu.net
Brandermill
Market Square Shopping Center
4900 E. Millridge Parkway IN THIS ISSUE… Volume 26, Number 105
Midlothian, VA 23112 Summer 2011
Lobby Hours
Hot Auto Loan Rates As
Mon-Fri
Saturday
10:00am-6:00pm
9:00am –12:00pm Low As 1.86% APR
News For Members of Chesterfield Federal Credit Union
Drive-Up Hours
Mon-Fri 10:00am-6:00pm
Saturday 9:00am –12:00pm
Free Shred Day For
Midlothian Village Members
Midlothian Station Shopping Center
13601 Midlothian Turnpike
Midlothian, VA 23113 Free Rewards Checking
Lobby Hours
Mon-Fri 9:00am-5:00pm
Saturday 9:00am-12:00pm Adult Scholarships
Drive-Up Hours
Available
Mon-Fri
Saturday
9:00am-5:30pm
9:00am-12:00pm Auto Loans
% APR*
1.86
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
Nationwide Shared Branch Access
NCUA
National Credit Union Administration, a U.S. Government Agency
Over 4,350 Locations
Search for one near you, get
directions and print a map at
chesterfieldfcu.net/branch.html FirstChoice Member Newsletter
Page 4
Emerald
Surcharge-Free ATM Locations
Nationwide Free ATM Access
Vacation Lines of Credit
% APR*
Over 45,000 Locations
8.86
Search for one near you, get
directions and print a map at
chesterfieldfcu.net/atm.html
Discover the best credit Transfer a balance from
card in Richmond! 7/27/2011 - 9/26/2011 and
Net24 Home Banking
www.chesterfieldfcu.net
•
•
No Annual Fee
3.9% Introductory APR* on you’ll receive a special rate of Visa Emerald Balance Transfers
% APR*
Mobile24 Mobile Banking
Purchases for Six Months
only 1.86% APR until July 2012
mobile.chesterfieldfcu.net
1.86
Dial24 Telephone Banking • No Balance Transfer Fees
Local: 804-748-1417
• Earn CURewards Points on
Toll-Free: 877-748-CFCU
Report Visa Lost/Stolen Purchases and Redeem for Travel, with no balance transfer fee!
800-449-7728 Merchandise and Gift Cards
• Low Price Protection & Purchase Security
Credit Union Financials
as of May 31st, 2011
• $500,000 in Travel Accident Insurance
• Lost Luggage Reimbursement
Assets
$72.80 million
Shares
• Hotel/Motel Burglary Reimbursement
Emerald Apply for your next loan or to refinance
• Rates As Low As 8.9% APR*
$67.21million
Loans online at www.chesterfieldfcu.net.
$30.54 million * Annual Percentage Rate. Lowest rate available with qualifying credit and loan term. Your rate may vary. For auto loans, additional rate reductions available for some loans up
Members
* Annual Percentage Rate. When the promotional period for balance transfers and the introductory period is
up, your rate will be determined by your creditworthiness. It can range between 8.9% APR to 15.9% APR.
1234 5678 1234 5678 to a maximum of 1%, with a floor of 1.86%. Financing available up to 125% with approved credit. CFCU loans may not be eligible for refinance. Offer expired 9/30/2011. For
Introductory period for new cardholders ends six months after card opening. Promotional period for balance the Visa Emerald balance transfer rate, when the promotional period ends your rate will be determined by your creditworthiness. It can range between 8.9% APR to 15.9% APR.
12,226 FROM 09/08 THRU 08/11
VALID GOOD
transfers ends at the statement cycle in July 2012. Balance transfer must be completed between 7/27/2011 and Promotional period ends at the statement cycle in July 2012. Balance transfers must be completed between 7/27/2011 and 9/26/2011. Existing CFCU loans do not qualify for
CREDIT UNION MEMBER
9/26/2011. Existing CFCU loans do not qualify for balance transfer. There are fees associated with this card. For balance transfer. There are fees associated with the Visa Emerald card. For full details, call 804-748-1417 or write to P.O. Box 820 Chesterfield, VA 23832.
full details, call 804-748-1417 or 877-748-CFCU or write to P.O. Box 820 Chesterfield, VA 23832.
FirstChoice Member Newsletter FirstChoice Member Newsletter Share & Loan Rates
Page 2 Page 3
Share Accounts
In Brief… Free Charles R. Quaiff Sr. Adult Scholarship
effective 7/1/2011
Rate APY1
New Funds Availability Seminars Offered For Continuing Education
Primary Share
M.M. Savings
0.25% 0.25%
Limits
For Since 2001, Chesterfield Federal $100-$4999.99 0.05% 0.05%
Due to changes to Federal $5000-$24999.99 0.25% 0.25%
Credit Union has supported area $25000+ 0.50% 0.50%
Free Checking
Regulation CC, effective
7/21/2011, in the event that
we place a hold on your
Members youth with college scholarships. In
2006, we introduced a special
M.M. Checking
$100-$4999.99 0.05% 0.05%
scholarship for adult members. We $5000-$24999.99 0.20% 0.20%
check deposit, the first $200
The way it is of your deposit will be are once again proud to offer a
$25000+
IRA Share
0.40%
1.00%
0.40%
1.01%
immediately available for scholarship to adults wishing to pursue post-secondary education.
supposed to be. your use. This is an increase Club Accounts 0.25% 0.25%
from the current $100. Chesterfield Federal Credit Union will award two $500 scholarships to adult Share Certificates
All other limits and members continuing their education and presently enrolled in a college or effective 7/18/2011
• Free Online Billpay hold periods remain the university pursuing an Associates, Bachelors, Masters, or Doctorate Degree. Rates subject to change weekly.
same. For further Applicants will be required to provide transcripts of academic work, write a short
Rate APY1
• Mobile Banking information regarding essay, and provide a letter of recommendation from a peer or a supervisor. 6 Month 0.50% 0.50%
holds on deposits, please
Applications will be judged on previous academic work, financial need, 12 Month 0.60% 0.60%
• Debit Card with refer to your Funds
Availability Disclosure or Did you know that commitment to community service and the written essay. More information can
24 Month 0.90% 0.90%
Chesterfield Federal Credit be found on our website at www.chesterfieldfcu.net. You can download an
contact a credit union
Rewards Points representative. Union offers free seminars application directly from our site or pick one up at any branch. Complete 36 Month 1.39% 1.40%
on a variety of important instructions for submission are included in the application. Applications must be 48 Month 1.89% 1.90%
• 45,000 Free ATMs Minimum Balance topics? With convenient received no later than September 2nd, 2011.
60 Month 2.13% 2.15%
for Money Market times during lunch or after
• 4,300 Shared Branch work, it is easy to stay
Accounts
As a reminder, Chesterfield informed. Member Alert: Opt-In To Courtesy Pay Loans
effective 7/1/2011
Locations Federal Credit Union offers
Protection APR2
Money Market Savings and RSVP for one of the Vehicle (2009—2011) 1.86%3
session listed below or visit For the past several years,
Open Your Checking Account Today & Money Market Checking
accounts for members who our website for a complete Chesterfield Federal Credit
Vehicle (2001—2008) 1.86%3
list of topics and locations. Union has proudly offered an Vehicle (Before 2001) 1.86%3
Receive Your First 50 Checks Free wish to receive a higher
rate of return while still RSVP to 804-639-8023 x107 overdraft payment solution Personal Loan 7.86%4
maintaining the liquidity of or by e-mail to kmartin called Courtesy Pay to eligible Lines of Credit 8.86%4
Protect Yourself
their funds. Our Money @chesterfieldfcu.net. checking accountholders. Credit Builder Loan 8.00%
Market Checking account Overdraft services like Courtesy
Home Equity Line of Credit 4.00%5
requires a minimum Tips & Tricks For Protecting Pay are intended to spare
balance of $500.00 at all Your Credit members the inconvenience, Home Equity Loan 4.86%5
times. If this requirement is Tuesday, August 16th embarrassment and expense of Share Secured 3.50%7
Free Shred Days Scheduled not met, there is a monthly
service fee of $10.00. There
12:00pm & 5:30pm
Chesterfield Courthouse
returned checks especially for
important payments such as mortgage, rent or utilities, as well as recurring
Visa Secured
Visa Emerald
13.90%6
8.90%6
is no minimum balance automatic payments.
Are you concerned about privacy when Keeping Your Kids Safe On TERMS & CONDITIONS
disposing of your old documents? Don't be a requirement for our Money Facebook 1 Annual Percentage Yield. Rates are subject to
If you choose to opt-in, Chesterfield Federal Credit Union can now include debit change without notice. Fees may reduce the
victim of identity theft. Shred and recycle your Market Savings, however, Wednesday, August 31st card transactions with overdraft protection and Courtesy Pay. When making a earnings on your account. Some accounts require a
minimum deposit, a minimum balance to earn
out-dated documents at our free member there is a limit of one 12:00pm & 5:30pm purchase using your debit card, your overdraft protection services will kick in if stated yield or impose a penalty for early
shred days. withdrawal per month with Brandermill
withdrawal. Ask a Credit Union representative for
you do not have enough money in your checking account to cover the transac- more details.
no fees. For more 2 Annual Percentage Rate. Rates are subject to
tion. There will be a fee involved with this protection if it is used, in accordance change without notice.
Not sure what materials to shred? Here are information about earning Protect Yourself From 3 Lowest APR available with qualifying credit and
with the fee schedule available in your Truth in Savings Disclosure. loan term. Rate may be higher and is based on
just a few suggestions of what you may want more with our Money Identity Theft creditworthiness and loan term. Ask a loan officer
for information on additional rate discounts.
to shred, if unneeded: invoices, credit union Market products, please Tuesday, September 6th Transactions already covered with Courtesy Pay, including checks and ACH trans- 4 Lowest APR available with qualifying credit. Rate
may be higher and is based on creditworthiness.
and bank statements, contracts, cancelled checks, medical records, leases, pay speak with a Financial 12:00pm & 5:30pm actions will continue to be covered. 5 Rate is as low as Prime+0%. The initial rate is tied to
stubs, credit card receipts, insurance records and tax forms. Services Representative. Chesterfield Courthouse the Prime rate as published in the Wall Street
Journal. However, when prime rate is below 4.00%,
the lowest rate available is 4.00%. Your rate may
How to opt-in
Holiday Closings Home Buying 101 vary from that shown above and is based on
creditworthiness. This is a variable rate line of credit
Join us for one of the free member shred days below: Monday, September 25th • Download an opt-in form at www.chesterfieldfcu.net/optin.pdf. and as such, the rate is subject to change annually
Chesterfield Federal Credit on the anniversary date of your loan. Consult us for
12:00pm & 5:30pm • Request a form by e-mail at optin@chesterfieldfcu.net. details. The maximum APR on this loan is 6% above
Union reminds our
Friday, July 22nd Saturday, August 20th Saturday, Sept. 24th Midlothian Village • Request a form be mailed to you by calling 804-748-1417 or toll-free at 877- the entry rate or 18%, whichever is lower.
members that we will be 6 Visa Cards are a fixed rate. Your Visa Emerald rate
2:30pm - 5:30pm 9:00am - 12:00pm 9:00am - 12:00pm 748-CFCU. may vary and is based on creditworthiness. There
closed for the following may be fees associated with our Visa Credit Cards.
For full details, please contact us at:
holidays… You can drop completed forms off at any of our branches or fax them to 804-
Chesterfield Federal Credit Union
P.O. Box 820
Chesterfield Courthouse Midlothian Village Brandermill Labor Day 639-4769. If you have any additional questions, please contact us at 804-748-
Chesterfield, VA 23832
877.748.CFCU
Branch Branch Branch September 5th 1417.
7 The stated rate is 3% over the primary share rate
rounded up to the nearest .25%.