You Don Need Your Home To Get Great Loan

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					                   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
                                                                                  Credit Union!
                                                           % *
                                         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 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!
                          technological knowledge,
                                                                 transfer fees
                          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 –
                                                                 benefits**                                                                             today!
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
                                                                 2.25% APR*
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
him complaining.

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.                                                                             and 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?
Phone #_____________________________
                                                           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                                                                         • Phone it in – Talk to your employer about telecommuting to save time
  of the following holidays:
                                                                                                                                         and money
                                                           *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

                                                           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!
Drive-Thru Hours
Monday-Friday 8 a.m. - 6 p.m.
Saturday 8 a.m. - noon                                                                           Let MOVFCU Send You To School
636-978-8800 Locally
                                                                                                 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:                                                                                offers three $500 scholarships to                           achievement, extra-curricular                                                                                          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         to learn more or
Federally Insured By NCUA
                                                                        Extend                                    at least one year and plan to
                                                                                                                 attend an accredited college,
                                                                                                                                                                  print a scholarship application.
MAR12-102 TP