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: firstname.lastname@example.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.
Pages to are hidden for
"Gift Card (PDF download)"Please download to view full document