A quarterly publication for the members of Missouri Valley Federal Credit Union SPRING 2012
You Don’t Need Your Home To Get A Great Loan
You don’t need an inspection. You don’t need an appraisal. You don’t need closing
As L ow As costs. All it takes to secure your next loan is a visit to Missouri Valley Federal
5.99 APR Rather than using a Home Equity Loan, talk to us about a No Equity Loan. You
can borrow the funds you need to build a new deck, finish the basement, remodel
your kitchen or just renovate your budget – all for rates as low as 5.99% APR!*
• Pay no application fee
• Enjoy flexible terms and affordable payments
• Borrow from $5,000 to $10,000
There’s no balance transfer fee, so you can use your loan to consolidate other
bills into one monthly payment and save! Call (636) 978-8800 to learn more
about a No Equity Loan, or visit www.movfcu.org to apply today!
*APR = Annual Percentage Rate. Actual rate dependent upon membership eligibility and creditworthiness. Contact the credit union for complete loan details.
Stop Dragging Your Debt Around
Welcome Our Bring It To MOVFCU!
New President If your debt is weighing you down, let • Personal Loans that help improve your
Josh Rodriguez MOVFCU lighten the load! We can help you credit score with fixed low rates and
reduce your monthly payments, lower your no application fees.
What does it take to interest rates and decrease your debt.
make a great credit union Simply bring your monthly bills and statements
president? The list of All of our loan and credit options can help to the credit union. Our loan staff will help you
qualifications is a long you save! Check out these great features: evaluate your budget, consolidate your pay-
one that includes member • Visa® Credit Cards with rates as low ments and transfer your balances. You’ll save
service experience, as 7.90% APR* and no balance money and improve your overall credit!
accounting skills, opera-
• Home Equity Loans and Lines of Credit Don’t drag your debt around! Contact us at
tional know-how and a great sense of humor. As it
with record-low rates and potential tax (636) 978-8800, or stop by the credit union
turns out, President Josh Rodriguez can do it all –
and he’s been putting his abilities to work for
• Auto Loans with no application fees,
MOVFCU since 2004!
flexible terms and rates starting at just
When Rodriguez started with MOVFCU, he worked
behind the scenes to streamline checking and *APR = Annual Percentage Rate.
debit card processing. The accounting department Membership eligibility and creditworthi-
ness apply. Contact the credit union
came next, followed by information technology,
for complete loan and credit details.
marketing, more accounting and, ultimately, **Contact your tax advisor for more
executive management. The CEO of MOVFCU has information regarding the tax advantages
of home equity loans.
many diverse responsibilities, but you won’t catch
What you will catch Rodriguez doing is smiling and
Find Us On Facebook & Twitter!
cracking jokes as he handles his workload. It’s his The best in service and savings is now accessible
positive attitude that you’ll notice first, and it’s one through your Facebook account and Twitter feed!
that he puts to good use every day. We hope you Like MOVFCU on Facebook, and you’ll receive the
have the opportunity to experience it firsthand as a latest updates, special offers and important member
valued member of MOVFCU. We also hope you’ll announcements. Follow us on Twitter, and get live information
help us welcome our new President the next time on the financial topics that matter to you. Find us online at
you’re in our office. www.facebook.com/movfcu and www.twitter.com/movfcu today!
Win A $100
Can You Fill Your Tank
Gas Card!* And Your Wallet?
How Gas Rebate Cards Can
Complete this form and return it to Missouri
Valley Federal Credit Union by Monday, Leave You Feeling Empty
April 30. We’ll enter you in a drawing to
win a $100 gas card!*
With gas prices reaching record highs, the numbers at the
pump might have you considering a way around high fill-up
Name ______________________________ costs. But before you sign up for a credit card from your favorite
gas station, make sure you’re driving away with a deal.
Many gas rebate cards do offer great discounts – sometimes as
much as 5% on your gasoline purchases. At that rate, you can
State, Zip ___________________________ fill up at $4.00 a gallon, pay $3.80 a gallon, and save $3.00 for 15
gallons of gas. Those small savings can add up to more than $150 annually, but at what cost?
Interest rates on rebate cards tend to be higher than those on standard credit cards – as high as
Would you like to receive your copy of our 24.99% APR!* Plus, there is often an annual fee and a limit to the rebate amount based on
Messenger newsletter electronically? purchases. For those consumers who carry a balance, the fees and high interest rates quickly
Yes J No J
burn the rebate amounts until the
savings are reduced to fumes. Decrease Your Gas Costs
If you’re looking for a simple way to Here are a few tips for improving your mileage and reducing your gas bill:
*Contest open 4/1/12 through 4/30/12. One entry per
reduce your pain at the pump, check • Drive sensibly – Rapid braking or acceleration can reduce gas
member. Odds of winning depend on number of entries
received. Entry forms mailed to the credit union must be efficiency by as much as 33%
out great low-interest cards like
postmarked by April 30, 2012 to qualify. Contact MOVFCU • Slow your roll – Gas mileage decreases significantly at speeds faster
for complete details. MOVFCU’s Visa Platinum Rewards
than 60 miles per hour
Card. You’ll enjoy a fixed 9.9% APR*
• Lighten the load – Gas mileage drops by 2% for every 100 lbs. of
with no annual fee. Our cardholders
weight your car carries
also receive reward points for every
• Check your tires – Improve gas mileage by 3.3% by keeping your
qualifying purchase, not just gas.
tires inflated to the proper pressure
Holiday Closings Applying is quick and easy – just
• Plan ahead – Combine your errands into one trip to reduce your over-
visit our website at all mileage
Our office will close in observance www.movfcu.org. • Phone it in – Talk to your employer about telecommuting to save time
of the following holidays:
*APR = Annual Percentage Rate. Gas card rate quoted from
Shell Drive For FiveSM Credit Card disclosure. Membership and credit-
Monday, May 28 Memorial Day worthiness apply to all MOVFCU credit card offers. Contact the credit
For more information on improving your car’s efficiency,
Wednesday, July 4 Independence Day union for complete details. visit www.fueleconomy.gov.
Be A Credit Union Super Saver
Help Us Celebrate Youth Week!
Since superheroes use their powers to save union resources
others from harm and take action to protect the to meet their
7900 Mexico Rd. common good, it’s no surprise that people goals. You can
P.O. Box 1543 around the country admire them. Now, MOVFCU encourage your
St. Peters, MO 63376 is encouraging our young members to recognize child to participate
their own super powers during National Credit by helping him or her open
Lobby Hours Union Youth Week, April 23 through 28. an MOVFCU account or make a
Mon., Tues., Thurs. 8:30 a.m. - 5 p.m.
savings deposit. Bring your super
Wednesday 9 a.m. - 5 p.m.
This year's theme, "Be a Credit Union Super saver by the credit union, and help
Friday 8:30 a.m. - 6 p.m.
Saver," focuses on the ways young people can us celebrate National Credit Union
Saturday 8:30 a.m. - noon
utilize their own strengths as well as credit Youth Week!
Monday-Friday 8 a.m. - 6 p.m.
Saturday 8 a.m. - noon Let MOVFCU Send You To School
You Could Win A $500 Scholarship
800-578-2187 Out Of Area Don’t let financial issues get in the university or trade school in the fall.
Fax: 636-980-2211 way of your educational dreams. Scholarship candidates will be
Missouri Valley Federal Credit Union evaluated on the basis of academic
Email: email@example.com offers three $500 scholarships to achievement, extra-curricular
www.movfcu.org worthy young members each activities and a written essay. Don’t
year, and we can help you delay – application materials must
achieve your academic goals! be postmarked by April 27, 2012.
ne To be eligible, you must be a Visit the MOVFCU website,
Deadli ed! member of the credit union for www.movfcu.org to learn more or
Federally Insured By NCUA
Extend at least one year and plan to
attend an accredited college,
print a scholarship application.