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the LOOP
Welcome to our quarterly
newsletter - the LOOP!
IN THIS ISSUE:
l Borrow for Anything, Anytime
l Auto Rates Drop Again
l Direct Deposit Your Tax Return
l Adding Accounts is Easy
l Annual Meeting Notice
l Update Your E-Mail WINTER 2011
l Rate Comparison
never been easier! Because it’s linked to
a Total eChecking, you choose how and aUtO rates
when to access your Flexible LOC.
drOP as LOw
Flexible LOC + Total eChecking
Like peanut butter & jelly, the Flexible as 2.95%APR*
LOC and Total eChecking go hand in Just in time for the new year, we’ve
hand. Use them as a checking & credit dropped our auto loan rates yet again!
tag team with ease. Choose your debit
card to make purchases and withdraw Whether you’re currently shopping or
cash fee free at Target ATMs or try the recently financed elsewhere, you could
convenience of free Online Bill Pay!
save a little each month with rates as
Total eChecking gets you lots low as 2.95% APR* on 2009 or newer
New of benefits, including: vehicle purchases and refinances up to
60 months.
flexible LOC l Free ATMs @ Target**
rates from l Interest earned
l Free Online Bill Pay
8.25% APR*
l No min checking balance
BOrrOw
Plus, you’ll love the ability to
fOr easily transfer your LOC funds into
anything,
your Total eChecking in Online Banking.
anytime
Use it when you need it, pay it off when
you don’t, and your Flexible LOC stays
linked to your Total eChecking for
From gifts to gadgets, travel to TVs, added overdraft peace of mind. Found a great rate elsewhere a few
all your expenses are covered this months back? Don’t worry, we’re happy
winter and throughout the year Compare your current credit card rates to refinance your existing loan for you
with a Flexible Line of Credit (LOC) to the Flexible LOC at targetCU.org and and set up automatic payments from
from Target CU. apply online or contact a loan officer at your credit union account to save you
800-328-6655 today! the hassle. We are unable to refinance
The name for this new loan type
loans already financed at Target CU.
says it all! It works as a convenient
revolving credit (only without
Great rates are also available on older
the high interest rates of a
typical credit card) and also vehicles with a variety of terms.
as an overdraft for your Total
Apply online or check today’s rates at
eChecking account!
targetCU.org or contact a loan officer
You’ll save with rates as at 800-238-6655.
low as 8.25% APR*, **Unlimited withdrawals allowed at Target HQ red ATMs and 5 free
ATM withdrawals per month allowed in Target stores with debit
automatic payments, card.
and access that’s
the LOOP Add any of the following to your
membership and fund with a transfer
Target team members can do this
through eHR. All other members
Winter 2011 from another Target CU account, should initiate Direct Deposit through
another institution, or a credit card: their employer’s payroll or human
resources department.
TARGET PLAZA OFFICE l Total eChecking
TPS - 2nd Floor l Additional or Holiday Savings You’ll be asked to provide:
1000 Nicollet Mall l Money Market l Our routing number: 291074379
Minneapolis, MN 55403 l Certificates of Deposit (CDs) l Your member (account) number
Open Monday - Friday l Indicate savings or checking
8:15 AM - 4:15 PM CST Visit targetCU.org and use the online l Designate how much you’d like to
application to add accounts today! deposit each pay period
MAILING ADDRESS
PO Box 581426 Then sit back and watch your savings
Minneapolis, MN 55458-1426
direCt grow! Contact us with any questions.
PHONE & FAX
612-375-0125 or 800-328-6655 dePOsit yOUr annUaL
612-238-0779 (fax)
tax retUrn meeting
LOST/STOLEN ATM Get your tax return sooner by direct
800-535-8440 depositing it to your Target CU
account. Provide our routing number
nOtiCe
TargetCU.org and your member (account) number You’re invited to the Target Credit
and check the box for savings or Union Annual Meeting, scheduled for
checking. target Credit Union’s Wednesday, March 16th, 2011, at 9:00
routing number is 291074379. a.m. in Target Plaza South, 1000
Nicollet Mall. Enjoy refreshments while
Speaking of Direct Deposit, saving reviewing the year-end financial
more is easier in 2011 when you elect reports and voting for officials.
add to have all or a portion of your
paycheck direct deposited in your You’re part of a member-owned
aCCOUnts Target CU account. financial cooperative, governed by a
volunteer Board of Directors elected
with ease Even if the majority of your paycheck is
deposited elsewhere, depositing just a
from and by its members. Learn more
about your credit union! Call us at
You know you can add products small amount in your credit union 612-375-0125 if you can attend. We
to your Target Credit Union account all year will add up to big look forward to meeting you!
account with the click of a mouse! savings this time next year!
Vehicle Loan rate Comparison UPdate yOUr
Wells Fargo TCF e-maiL
Bank Bank Having up to date contact info for you
as low as on our system allows us to
NEW VEHICLE as low as
7.55%
60-month APR* 2.95% 4.74% communicate with you effectively if we
suspect fraud on your account, have a
as low as as low as new product that could help you save,
USED VEHICLE 8.40%
60-month APR* 3.95% 5.49% or simply need to contact you. Send
your current e-mail address to
info@targetCU.org and we’ll make
*APR = Annual Percentage Rate. At 2.95%, the payment on a 60-month Auto Loan is $17.75 per $1000.00 borrowed. Minimum payment on Flexible LOC is 3% of
outstanding balance, or $25, whichever is greater. All loans are subject to credit qualifications and approval. Quoted rate requires payment by direct deposit or automatic
sure we’ve got the correct one listed.
payment from another account and is increased by .25% if repaid by cash or check. Rates and terms are subject to change. Other rates and terms are available and vary
based on credit score. The rates above have been researched and are reported effective 12-7-10 to the best of our knowledge for educational comparison purposes.
ADDRESS CHANGE? HOLIDAY CLOSINGS
Please notify us in writing (signed and dated) as l Martin Luther King Jr Day - January 17th
soon as possible so we can update our records. l Presidents Day - February 21st
The Loop is published periodically by Target Credit Union to provide members with information about credit union programs and services. Target
Credit Union is not giving tax, legal, or any other professional advice in this newsletter.
