KANSAS AIR GUARD CREDIT UNION Summer 2008
MANY THANKS! Our Credit Union recently celebrated 50
June is our 50th Anniversary & our success years of service & value today, our
is all because of you. original mission statement from June 11,
We hope you enjoyed our banquet & special 1958. "Not for Profit, Not for Charity,
thanks go to Bill Nyquist, Jack Mason & But for Service".
Mark Moulden, who did a great job planning With that in mind, make July the time to
this special event. begin a plan for upcoming holiday & year-
We thank Howard Steanson & Tom Dearing end expenses.
for their story telling abilities! Use the Credit Union Holiday Club
Like our new logo? Our thanks to Tony account as a budget tool. Make a monthly
DeLeon. You make us proud. deposit through allotment & funds are
Aboud's provided a wonderful meal & we available November 1st. Just when you
appreciate their services. need it.
Banquet programs are still available, so let It's the credit union difference. We think
us know if you want one. of you - always. Just when you need it.
It was a special evening for some very special
people. Thanks for coming! Joe Montgomery, Board Member
HOW TO SAVE $1.11 A DAY
We live with the daily need to be more frugal. Everything costs more. What else can be done?
Bring your vehicle loan to KSAGCU. Here's why:
Last year 7% was a good loan rate offered by other lenders, on a 2005 vehicle. Refinance with us & get a rate of
4.98%. Your interest savings is $1.11 A DAY! $405 A YEAR! A months supply of gas - FREE!
Just like looking for the best gas price, the smart shopper looks for the best loan rate. KSAGCU loan rates are
listed on the other side. How much could you save?
Other high interest debt? Let us pay that off with the equity in your vehicle. No equity? A minimum 645 credit
score qualifies you for a 125% loan. Be a smart shopper: lower interest = lower debt!
Please come in. We'll work out a viable solution which will SAVE YOU MONEY & that's a very good thing!
READ THIS - IT'S IMPORTANT
Yet another publication recommends trying a Credit Union
MADISON, Wis. (5/8/08)--A May 7 article in Investopedia , published by Forbes, recommends that
consumers who are frustrated with banks should look at credit unions for their financial needs.
In the article, "Tired of Banks? Try a Credit Union," Certified Financial Planner Mark P. Cussen writes about
the alternative value of credit unions.
"Many bank customers are becoming increasingly frustrated with the litany of fees their banks are charging, as
well as the difficulties often associated with obtaining a loan," Cussen wrote. "Credit unions represent an
alternative to banks and possible solutions to common complaints about traditional banking institutions."
Cussen also explains what credit unions are, their history, their regulatory apparatus and environment, the
credit union philosophy, and how credit unions have higher savings rates, lower fees and better service than
article from Credit Union National Association News Now Publication
The Credit Union difference is REAL. Please continue to Grow Your Credit Union with loans, savings &
new member REFERRALS.
KANSAS AIR GUARD CREDIT UNION LOAN RATES
AUTO, MOTORCYCLE, BOAT, RV APPLIANCES*, ELECTRONICS*
YEAR TERM CREDIT SCORE OF > 690 689 - 645 644 - 601 < 600
2008 60 MONTHS 4.98 5.23 7.98 10.48
2007 60 MONTHS 4.98 5.23 8.08 10.58
2006 60 MONTHS 4.98 5.23 8.13 10.68
2005 60 MONTHS 5.24 5.49 8.24 10.74
2005 48 MONTHS 4.98 5.23 7.98 10.48
2004 48 MONTHS 5.24 5.49 8.24 10.74
2003 48 MONTHS 5.24 5.49 8.24 10.74
2002 36 MONTHS 5.24 5.49 8.24 10.74
< 2001 36 MONTHS 6.98 7.23 9.98 12.48
Appliance / Electronics* 8.75 11.75 13.75 15.75
Signature 9.75 12.75 14.75 16.75
Share or CD Secured - 2.25 above earning rate of deposit
Home Equity** 5.00 variable 80% LTV or 6.00 variable 90% LTV
Finance < 80% = .25% rate reduction 1 Yr Shorter Term = .25% rate reduction
Non - Titled / Purchase = add 1.00% **WSJP & WSJP + 1.00%, 645 min score required
*New & 2 Yr Maximum Term with $500 Minimum & $2000 Maximum
CREDIT UNION KSAGCU
MORTGAGE HOME EQUITY
Located at 1080 SW Wanamaker, Using your home to borrow
is our partner in mortgage lending. for home improvements has it's
Call Andy Homewood 273-9333. advantages. The interest may
He will prequalify you for a VA be tax deductible* & the
or conventional loan. improvements will increase the
Questions before you call him? value of your home. That's a
We have experience in mortgage wise investment.
lending & can answer those A home equity loan can be
questions. used to fulfill many needs.
Please come in or call us! Call us & we'll help figure out
Credit Union Mortgage Services what's best for you!
interest rates are at www.capcuso.com *Please consult your tax advisor
KSAGCU Board KSAGCU Credit Committee
Tony DeJesus, President, 861-4868 Pete Crabtree, Chairman, 861-4129
Joe Montgomery, Vice-President, 861-4536 Nathaniel Brown, Member, 861-4120
Teresa Fulton, Secretary, 861-4434 Lony Lewis, Member, 861-4441
Chris Noe, Member, 861-4846 Leroy Wyckoff, Member, 861-4276
Lewis Shedd, Member, 861-4785
Larry Wallace, Member, 861-4610 KSAGCU Supervisory Committee
Brian Willard, Member, 861-4805
Ashley Tremblay, Member, 861-4543
Staff Sherry Hertlein, Member, 861-4521
Mike Coffin, Member, 861-4420
Becky Razak, manager
Mattie Chiddix, assistant
Kansas Air Guard Credit Union To Set Up An Allotment:
5920 SE Coyote Dr Routing # 3011-7975-3
Topeka, KS 66619 Your Account Number - Savings
Ph 785-861-4093 Fax 785-861-4096
k @ h k d t ti !
www.ksagcu.com - under construction!