Gift Card (PDF download) by jennyyingdi

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									Briefs
                                                                               	   		     December	2010




1.99% APR. Don’t miss this opportunity to
save big on a new or used car
Now you can save even more this season with rates as low as
1.99% APR for up to 36 months, and as low as 2.99% APR for up
to 60 months for cars up to two model years old.
    And, when you finance or refinance your current auto loan
with us, you’ll automatically be entered into a drawing for a $500
Visa® Gift Card.
    Dealers need to increase sales and move cars off the lot before
year end. Make buying even sweeter this season and combine our           Jingle, jingle. It’s our
great auto loan rates with end-of-year bargains. Use our online
                                                                         Happy Holiday Loan
Auto Center to spice up your deal:
                                                                         It comes once a year, then
• Apply for your vehicle loan
                                                                         it’s gone until next holiday
• Build and get pricing for your new car using Carbook
                                                                         season. No, not Santa... our
Showroom                                                                 Happy Holiday Loan.
• Use the NADA guide for tips on buying or selling your car                    Borrow $1,000 for 11




 $500
• Get no-haggle pricing on certified used cars from Enterprise           months at only 7.90% APR.
• Get pre-negotiated prices at dealerships in the Washington-            It’s a frugal way to tackle this
                                 Baltimore region through United
                   Gift Card Buying Services.
                                                                         season’s holiday bills without
                                                                         breaking the bank. (Payments
                                     These low rates are available for   are only about $95/month.)
                                 a limited time. Apply at cofcu.org,     And since it’s for 11 months,
                                                                         you’ll have it repaid before the
                                 call (703) 823-5211 or (800) 424-
                                                                         holidays roll around next year.
                                 3334, or visit a branch.
                                                                         Skip your auto,
Turn holiday bills into holiday rewards with                             RV, OneLine, or
VISA® Platinum with CURewards™                                           signature loan
Holiday bills are inevitable. That’s why it’s so important to earn a     payment
little something while you’re paying those bills.                        Need a break from monthly
     Earn 1 point for every $1 you spend – in-store, on the              bills? Use our Skip-A-Payment
phone, or online – when you use your CommonWealth One                    program and skip one
                                                                         loan payment this year. It’s
Visa Platinum with CURewards. Then, redeem points for
                                                                         easy! Visit cofcu.org, click
merchandise, travel, and more! Register at CURewards.com.                Convenience Services, then
     That’s not all. There’s no annual fee and credit limits up to       Online Applications for a Skip-A-
$25,000, and more.                                                       Payment Request form.
     Apply now by calling (703) 823-5211 or (800) 424-3334 so
                                                                         Offer is applicable only to specific
you can start turning your purchases into Rewards.                       loans and may not be transferred. $30
                                                                         processing fee for each loan payment
                                                                         skipped will be applied. See Skip-A-
                                                                         Payment request form for other terms
                                                                         and conditions.
Historic rates lead to great gifts                                       Loan RaTeS Fixed APR except where noted. As low as:
                                                                         New & Used cars up to 2 years old
A lower mortgage payment is a money-saving gift that keeps               Up to 36 months                                       1.99%
                                                                         37 to 60 months                                       2.99%
on giving, month after month, throughout the life of your                61 to 72 months                                       3.99%
mortgage. So, remember this:                                             73 to 84 months                                       5.99%
                                                                         Used car: over 2 years old
 Mortgage rates are the lowest in decades                               Up to 72 months                                       4.99%
                                                                         Motorcycles
 You’ll get $200 off closing costs if you contact us by Dec. 31.        Up to 72 months                                       6.24%
    We have money-saving programs if you’re refinancing your             New/Used boats & RVs
                                                                         60 months                                             6.49%
existing mortgage or buying a new home. Contact one of our               OneLine line of credit
                                                                         Limits up to $25,000                                  8.00% (variable)
Mortgage Specialists:                                                    EquityPlus 80% LTV
• Monica Malavé, Washington, DC Metro area at (703) 236-7615             5 year & 7 year
                                                                         10 year & 15 year
                                                                                                                               4.99%
                                                                                                                               5.99%
• Stella Evans, Harrisonburg/Front Royal at (540) 801-1293.              EquityFive 80% LTV                                    4.99% (variable)
                                                                         EquityLine 80% LTV                                    3.50% (variable)
    Or apply online at our Mortgage Center, cofcu.org/mortgage.          Holiday Loan                                          7.90%
                                                                         Signature Loan
                                                                         36 months                                 9.90%
This year’s annual Warm Hearts Coat Drive                                60 months
                                                                         VISA Classic: No annual fee
                                                                             ®
                                                                                                                  10.90%
                                                                                                                  11.90%
runs through Dec. 31                                                           Platinum: No annual fee
                                                                               Balance transfers
                                                                                                                   8.90%
                                                                                                                   8.90%
CommonWealth One is collecting new and gently worn coats                 Business loans: Call for rates or visit cofcu.org
                                                                         Rates effective 12 /1/10 and subject to change. APR=Annual Percentage
of all sizes – adults, boys, girls, toddlers, and infants – that are     Rate. Rates based on creditworthiness. Some rates reflect a discount of
                                                                         .25% for electing automatic loan payments and a .25% discount for
clean and in good condition for our Warm Hearts Coat Drive.              establishing a Checking Relationship. Checking Relationship includes
                                                                         Checking Account, Visa® Check Card, E-Statements and direct deposit/
    Please bring your donations to the Main, Harrisonburg, and           allotment. For more information, please contact us.
                                                                         LTV = loan to value. EquityLine is a 6-month introductory rate.
Front Royal branches through Dec. 31. We’ll distribute them to           Thereafter, Prime plus or minus margin based on creditworthiness.

local charities to help people stay warm this winter.                    SavInGS RaTeS
                                                                         Share Savings             Portion of bal. earns:               APY
                                                                         $0 – under $2,500                                       0.10%
Watch for charity scams this holiday season                              $2,500 – under $10,000
                                                                         $10,000 – under $25,000
                                                                                                                                 0.10% – 0.12%
                                                                                                                                 0.12% – 0.14%
This time of year, scammers are sending out emotionally-charged          25,000 – under $50,000                                  0.14% – 0.16%
                                                                         $50,000 and over                                        0.16% – 0.21%
appeals that fool even normally skeptical and savvy people.              IRA & Coverdell Share Savings
These scams may even involve nationally recognized charities             $0 – under $2,500                                       0.15%
                                                                         $2,500 – under $10,000                                  0.15% – 0.18%
and well-known causes. So beware and follow these tips:                  $10,000 – under $25,000                                 0.18% – 0.27%
                                                                         $25,000 – under $50,000                                 0.27% – 0.36%
• Whether it’s by email, phone, or in person, be wary of high-           $50,000 and over                                        0.36% – 0.50%
                                                                         Relationship PLUS Checking
pressure pitches that insist that you “donate now”                       $10,000 avg. daily bal. to earn dividends 0.15%
• Avoid charities whose representatives won’t answer reasonable          Money Management $2,500 avg. daily bal. to earn dividends
                                                                         Less than $2,500                         0 .20%
questions, like “how will the money be spent.” (Always ask.)             $2,500- less than $10,000                               0.20% – 0.26%
                                                                         $10,000 or more                                         0.26% – 0.43%
• Never give credit card information by email or phone                   Money Management Plus $10,000 avg. daily bal. to earn dividends
• Don’t make checks payable to an individual solicitor                   Less than $25,000                    0.58%
                                                                         $25,000 - less than $50,000                             0.58% – 0.61%
• If you’ve never heard of an organization, confirm that it’s real       $50,000 or more                                         0.61% – 0.65%
                                                                         Share/IRA Certificate                         Min. Dep.
before you donate.                                                       6-month                             $500            0.32%
                                                                         12-month                          $1,000            0.60%
                                                                         15-month                            $250. *         0.67%
                                                                         18-month                          $1,000            1.06%
                    H I G H L I G H T S                                  24-month                          $1,000            1.29%
                                                                         36-month                          $1,000            1.94%
  Holiday closings                                                       48-month                          $1,000            2.17%
                                                                         60-month                          $1,000            2.59%
  • Christmas Eve: Dec. 24 (Closed at noon Friday)                       Jumbo Share Certificates: Call for rates or visit cofcu.org
  • Christmas: Sat., Dec. 25
                                                                         Business deposits: Call for rates or visit cofcu.org.
                                                                         APY = Annual Percentage Yield. Rates effective 12/1/10 and subject to change.
  • New Year: Sat., Jan. 1                                               *Additional deposits allowed in $50.00 increments during the term of the certificate.
  Facebook Children’s Miracle Network Drive We will donate
  $5 to the Children’s Miracle Network for every new Facebook
  follower in December. You can help: 1) become our fan on
  Facebook, 2) follow us on Facebook throughout December, and
                                                                         P.O. Box 9997 • Alexandria, VA 22304-0797
  3) tell your friends and family to follow us, too.                     (703) 823-5211 • (800) 424-3334 • Fax (703) 823-9065
  20th Annual Toy Drive In cooperation with Community Partners           Call Center Available 24 hours, 7 days a week
                                                                         PhoneOne (703) 823-3510 • (800) 426-2328
  for Children, we are accepting donations of new toys, infant/toddler   VISA 24-hour info line & lost or stolen card
  items, and grocery store gift cards through Dec. 17 for distribution   Credit Card: (800) 654-7728 Check Card: (800) 472–3272
                                                                         CUNA Mutual Insurance (877) 636-2377
  to disadvantaged children from newborn to age 18 in our Main           CommonWealth One Financial Network (866) 287-3783
  Branch.                                                                www.cofcu.org                     E-mail: cofcu@cofcu.org
  Monthly E-Statement Drawing Enroll in E-Statements and be
  entered into a drawing to win a $25 Visa Gift Card. Login to Online
  Branch, cofcu.org, and click the E-Statement tab.                      facebook.com/cofcu
                                                                         We do business in accordance with the Federal Fair Housing Law and
                                                                         the Equal Credit Opportunity Act.

								
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