AUTO LOAN SALE!
NEWS FROM WESTAR FEDERAL CREDIT UNION
GREAT REFINANCE RATES ON NEW or USED
48th Annual Meeting of Members Review
You Deserve The Star Treatment!
CALL WESTAR Thanks to everyone who attended the 48th Annual Meeting on May 26, 2011.
Close to 50 members turned out and everyone enjoyed the refreshments and
FOR PERSONAL door prizes. James Ridgeway and Kevin Ridgeway, members of the Westar IN THIS ISSUE
SERVICE & GREAT
FCU Board of Directors were each re-elected for three year terms.
NEW BOARD OF DIRECTORS TERM EXPIRES
AUTO LOAN • Karen’s Corner
• Auto Loan Sale
• Group Benefits
• Mel Taber (Chairperson) • 2013 • Six Money Tips For New Grads
• Tammy Trippany (Vice-Chairperson) • 2013
(315)672-7827 • Boberetta Albrigo (Secretary) • 2012
• No Fee VISA Balance Transfer
• In Memoriam
• James Ridgeway (Security Officer) • 2014 • 48th Annual Meeting of
• Virginia Jacob (Treasurer) • 2012 NEW • USED • REFINANCE — 2006 AND NEWER Members Review
• Kevin Ridgeway • 2014
• Sean Johnson • 2012
% KAREN'S CORNER
for Labor Day
Monday, September 5 Closed:
APR Have you had a chance to tackle that
summer honey-do list yet? Perhaps
you want to put on a new deck or
FOR 36 MONTHS
for Independence Day
Monday, July 4 Closed: update your kitchen. Which ever the
SUMMER HOLIDAY HOURS
Estimated payment is case may be, Westar members
$29.10 per $1,000 borrowed always get great rates on loans for
those summer projects. Please stop
Monday — Friday: 9 am — 5 pm
in or give us a call, we will get you
• AUTOMOBILES going in no time.
SALE • MOTORCYCLES
As always, don’t forget to remind
LOAN your family, friends and coworkers
• CAMPERS about all the benefits that Westar has
AUTO • ATV to offer.
S! • SNOWMOBILES
RATE T Have a great summer!
GREA • JET SKI’S APR Sincerely,
• TRAVEL TRAILERS
FOR 60 MONTHS
Estimated payment is
Camillus, NY 13031
P.O. Box 60
2565 Hambletonian Way $18.20 per $1,000 borrowed.
PHONE: 315-672-7827 • FAX: 315-672-9282 www.westarnet.com
Group Benefits Six Money Tips For New Grads
Our partnership entitles your Some experts propose state REMEMBER THERE ARE
group to take advantage of legislation requiring students to take a CONSEQUENCES FOR
the following: personal finance course by the time OVERDRAWING AN ACCOUNT.
they graduate from high school. Until – Remember, credit cards are
• FREE Checking then, it’s parents’ responsibility to convenient but risky. Credit means
• FREE Online Banking and Bill teach their kids financial basics and you’re borrowing money to repay
Payment Service help them make the right choices. from future income. Credit is a
• Over 43,000 Surcharge-Free ATMS cost, and making the minimum
worldwide THESE ARE KEY MONEY SKILLS payments will cost you even
• Excellent rates on Auto, RV, Visa, YOUNG GRADS NEED TO KNOW: more. Credit cards are accepted
Personal, and Home Equity Loans • Track spending. Write down universally and are good to have
• Competitive rates on Savings, Share everything you buy for a month in emergencies. They also help
Certificates, IRAs, and Club to see where and how much establish credit history, so make
accounts you’re spending. sure to set personal limits and
• Discount tickets for area attractions • Budget. Look at your income and stick to them.
and theme parks spending habits. Allocate for weekly – Develop good consumer skills
needs, wants, and impulses within to make money go further. Buy
Join Today! As the American economy waivers, your budget. Surprises happen, so necessities wisely and practice
it’s increasingly important for let yourself break the budget. Just comparison shopping by
If your group or business is interested
students to be financially savvy. remember to make up for it in the looking online.
Looking to offer a great benefit to FCU offers the best products and in offering Westar FCU membership
The majority of high-school and coming weeks. – Don’t be afraid to ask for help.
your business or organization with services you can find in one as a benefit, please contact
college graduates, however, are • Use your checking account to Mom and Dad, your R.A. (resident
NO COST to your group? You can complete package. Ryan Cavalier, Business Development
ill-prepared to handle the basics help budget and track income advisor), or even a friend can help
reward your employees or members, Representative, at 315-672-7827,
of financial management. From and spending. You need to know you sort through your bills and get
and their immediate family members We are here to assist your employees or by email email@example.com.
credit cards and loans to simple how to write a check, how to keep a on the right track.
with this valuable benefit. Westar or members as they strive to reach
budgets, young consumers are check register, and when to balance
their financial goals.
often puzzled, even educated ones. your account.
E–Statements Westar Visa In Memoriam
We are deeply
Save Your Identity with Even though identity thieves are they need to commit ID theft, but also Westar Federal Credit Union always HOW TO TAKE ADVANTAGE: saddened that on
E-Statements. Reduce your finding new ways to steal information helps detect the crime sooner. This is strives to help you save money and Complete and return a Visa Balance June 26, 2011,
chances of being a victim over the Internet, the original theft— because consumers who bank online there is no better time than now to Transfer Promotion Request Form James Ridgeway
of mail fraud—receive your for example, taking out a credit card in check their accounts much more take advantage of our 8.90% APR along with the most recent account passed away at
statement electronically. your name—tends to be a low-tech frequently—nearly four times a month Visa Credit Card. Here is an even statements that you wish to transfer. home. Jim was
crime. According to the Federal Trade compared with once a month for better deal that will be hard to pass retired from the W.
Commission, about those who receive statements by mail. up; from July 22, 2011 though To apply for a Westar Genesee School
half the country’s October 22, 2011, Visa Credit Card or District where he was a teacher for 42
victims know how Receive your statement electronically you can take increase your credit years. Jim was a dedicated, long-time
their information was and enjoy safety, timeliness, and advantage of our line, apply online at member of Westar FCU and served
swiped, and in many convenience. For more information Visa Balance www.westarnet.com on the Westar FCU Board of Directors
cases the breach was about e-statements, or to sign up to Transfer Promotion or call at since 1998, most recently as Security
paper—bills, credit receive them, call 315-672-7827 or at a low rate of 315-672-7827. Officer. We extend our deepest and
card solicitations, visit www.westarnet.com. 5.90% APR. most sincere condolences to his wife,
and financial Start your Angel, son, Kevin (Jennifer), daughter,
statements—pilfered HERE IS THE DEAL: summer off right by Karen, and grandson, Jared.
from garbage cans Copyright 2008 Credit Union National
saving money with one credit card
and mailboxes. Association Inc. Information subject to change at a great low rate. Don’t hesitate to Memorial contributions may be made
without notice. For use with members of a Balance Transfer Rate* call us if you have any questions, we to the Oswego County Humane
single credit union. All other rights reserved.
Banking and paying No balance transfer fee are here to help! Society, 265 West First Street,
bills online not only Oswego, NY 13126 or to the
Balance transfer rate is good for 12 months, *Balance transfer rate does not apply to your
cuts off thieves’ then reverts back to 8.90% APR. previous balance or new purchases. Payments are Oswego County Animal
access to the papers Balance transfer rate only applies to transfers applied to the balance with the highest rate first. Welfare League (S.P.C.A.),
from other institutions. P.O. Box 442, Fulton, NY 13069.
PHONE: 315-672-7827 • FAX: 315-672-9282 www.westarnet.com PHONE: 315-672-7827 • FAX: 315-672-9282 www.westarnet.com