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CO-OP
May 2012 | www.cscu.org
Discounted Cedar Point Tickets
Discounted tickets
to Cedar Point will
be available at all
branch locations
beginning mid-May
and will continue
through Labor Day.
Discounts are another
benefit of being
a member of
Did you know that men are six times more likely to Co-op Services!
get struck by lightning than women, or that Donald Duck CSCU Price Gate Price
was banned in Finland because he didn’t wear pants? Adult Funday
$40.00 $51.99
Sounds pretty unbelievable doesn’t it? Well, you better (Over 48”)
believe that you can save hundreds of dollars by refinancing
Junior/Senior
your auto loans at Co-op Services Credit Union. $21.00 $26.99
(Under 48” and Age 62+)
That’s right! We have helped thousands of members
Ages 2 and under are FREE!
save money every month by refinancing their
auto loans with Co-op Services. We even
have auto loan rates as low as 2.39%APR.*
Now that’s unbelievably low. Start saving
Abandoned Accounts Reminder
today and call us at 800-321-8570 or visit
our website at www.cscu.org to apply for The Michigan Unclaimed Property law requires financial
institutions to escheat (transfer) funds of accounts
your loan online.
abandoned after three years with no activity to the
*APR=Annual Percentage Rate. Rates as low as 2.39% with State of Michigan. If your account is subject to
terms up to 36 months when payment is automatically
deducted from a Co-op Services checking account. Rate escheatment, a $50 fee will be charged.
subject to change. Other rates and terms available. APR
based on your personal credit history. Existing
Co-op Services loans are not eligible for refinance.
To avoid losing your funds to the state, please visit
a branch to make sure your contact information is
up-to-date. If you have any questions, you can call our
Member Service Department at 800-321-8570, ext. 200.
lOAnS – Rates as of 4/23/12
APR* Terms
(as-low-as)
nEW & USED CARS
2012 - 2010 .............. 2.39% ...up to 36 mos
2.99% ...up to 60 mos
Over the years, we’ve helped members 2.99% ...up to 72 mos
save thousands of dollars by refinancing 3.49% ...up to 84 mos
USED CARS
their boat or RV loans held at other 2009 - 2007 .............. 2.99% ... up to 36 mos
institutions. We offer low rate financing 3.25% ... up to 60 mos
3.49% ... 61 to 72 mos
and can even customize the terms for 2006 - 2005 .............. 3.75% ... up to 48 mos
you. If you’re looking for a new sailboat, 2004 - 2003 .............. 5.75% ... up to 42 mos
2002 - 2001 .............. 7.75% ... up to 36 mos
a pre-owned cabin cruiser or an RV for Promo rates available when payment is automatically deducted
from a Co-op Services checking account.
camping season we can help you save on
BOATS, TRAvEl TRAIlERS, 5TH WHEElS
your loan.Take advantage of our great low AnD MOTORHOMES
rates, and start saving on your summer toys today! new
2012 - 2009 .............. 4.20% .. up to 180 mos
Apply online or call us at 800-321-8570 ext. 200.
Used
*APR based on your personal credit history. Loan amount must be a minimum of $3,000 and closed at a branch
2011 - 2008 .............. 4.70% .. up to 180 mos
location. Existing Co-op Services loans are not eligible for refinance under this promotion. For full program
2007 - 2006 .............. 4.90% .. up to 180 mos
details, visit www.cscu.org. MOTORCYClES, SnOWMOBIlES, ATvs
AnD PERSOnAl WATERCRAFTS
new
2012 - 2010 .............. 6.75% ... up to 60 mos
Used
lower Your Home loan Payments 2009 - 2008 .............. 7.25% ... up to 60 mos
2007 - 2006 .............. 8.00% ... up to 60 mos
Ever wonder if there was a simple way to lower your monthly home loan HOME EQUITY lInE-OF-CREDIT
payment? Well, if you have a home loan financed somewhere other than $5,000 to $24,999 ....... 3.75% (prime + .50%)
$25,000 to $74,999 ..... 3.50% (prime + .25%)
Co-op Services, there’s a good chance that you’re paying more than you $75,000 to $250,000 .... 3.25% (prime)
have to. Co-op Services has some of the lowest home loan rates around and HOME EQUITY FIXED RATE lOAn
we would love to show you how much we can help you save every month. $5,000 to $19,999 ....... 6.75% .. up to 120 mos
$20,000 to $74,999 ..... 6.75% .. up to 180 mos
$75,000 to $250,000 .... 6.50% .. up to 180 mos
A home loan from Co-op Services offers low fixed rates, terms from 5 to
vISA
30 years, a free home buying kit, no pre-payment penalty and a convenient Platinum Variable ....... 7.75%
application process by phone, online or in person. Platinum Fixed .......... 9.90%
Classic Variable .......... 9.00%
Classic Fixed ............11.90%
Come in to any branch location or call 800-321-8570 ext. 200 to speak with
a friendly member service representative to find out how much we could DEPOSITS – Rates as of 4/23/12
............................... APY**
save you. You can even apply for your home loan online at www.cscu.org. IRA CERTIFICATES & CERTIFICATES OF DEPOSIT
12 Month Certificate .... 0.25%
18 Month Certificate .... 0.45%
24 Month Certificate .... 0.65%
Bring Your Credit Union To Work Other rates & terms available
TRADITIOnAl, ROTH & EDUCATIOnAl
Did you know that Co-op Services offers great free benefits for businesses of SHARE IRA’S ............. 0.10%
all sizes? Right now, if you help us introduce Co-op Services membership to MOnEY MARkET
$5,000 - $24,999 ........ 0.150%
your workplace, we’ll give you $25*, plus you could Win* a FREE catered lunch $25,000 - $49,999 ....... 0.200%
for your entire office! How? Simply help us get in contact with your employer $50,000 - $99,999 ....... 0.250%
$100,000 - $499,999 .... 0.300%
and we’ll do the rest.
UlTRA SAvInGS
$25,000 - $49,999 ....... 0.25%
Visit www.cscusavingsatwork.org to learn how you can get $25* and win* $50,000 - $99,999 ....... 0.35%
$100,000 - $499,999 .... 0.45%
a lunch for all of your co-workers. $500,000 + ............... 0.55%
*For full program details, please visit www.cscusavingsatwork.org. High Yield Fund ......... 0.15%
* APR = Annual Percentage Rate. Your actual rate is based
on your credit score and may be higher than quoted rate.
Rates subject to change.
** APY = Annual Percentage Yield. Rates subject to change.
CAlEnDAR EvEnTS
Monday, May 28th
Memorial Day
All offices and drive through’s closed Dearborn • Detroit • Livonia • Melvindale
Southfield • Southgate • Walled Lake • Westland
