gcunew General Credit Union by mikeholy

VIEWS: 4 PAGES: 4

									                                                       November 2011
                                                                       gcu new$        A newsletter for the members of General Credit Union




                                                                            No Gimmicks!
                                                            Just a really low auto loan rate!
    Four General Locations, Just One Call!
      (260) 471-5544 or (800) 889-5554
6601 Mutual Drive
Fort Wayne, IN 46825                                      as low as

                                                         2.70% APR
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
24-Hour ATM
Drive-up: M-W 9-5, Th-F 9-6

5020 Riviera Court
Fort Wayne, IN 46825
                                                                                                                   No Payments For 60 days
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5
24-Hour ATM                                                                                                  REFINANCE your current vehicle loan from
Drive-up: M-Th 8-6 Fri 8-7, Sat 9-Noon                                                                          another financial institution and you could
5001 US Hwy 30 W.
                                                                                                                possibly save a substantial amount of money.
Inside the Sirva Building
Fort Wayne, IN 46818                                                                                           Model Years 2004 thru 2012
Lobby Hrs: M,W,F 9-1 ATM: M-F 9-5
                                                                                                                   20 08 – 2012 models: f inance up to 75 mont hs
6447 W. Jefferson                                                                                                  20 0 6 – 20 07 models: f inance up to 60 mont hs
The Village at Time Corners
                                                                                                                   20 0 4 – 20 05 models: f inance up to 42 mont hs
Fort Wayne, IN 46804
Lobby Hrs: M,W,Th,F 9-5, Tu 10-5                          *All rates are subject to credit qualifications and approval. This special rate is not available for refinancing of an existing GCU loan. No
Drive-up: M-Th 9-6 Fri 9-7, Sat 9-Noon                    other discounts may be applied to lower this special rate. Interest accrues during the 60-day deferred period. This offer is subject to
                                                          change. Other rates and terms available. You would pay approximately $14.50 per $1000 borrowed at 2.70% APR for 75 months.
                                                          Annual Percentage Rate (APR).
www.gencu.org E-mail: gcu@gencu.org

Telephone Teller
                                                          Is your loan protected against the                                        No Additional Bills.
260.471.4874 or 1.800.640.0302
                                                          unexpected?                                                               Don’t worry about additional bills to
Credit Union Service Center Outlet Locations              Payment Protection offers peace of                                        pay; your premium will be included in
                                                          mind and will help safeguard your                                         your monthly loan payment.
You can visit the following locations to access your      loan. It’s help you can count on when
account(s) and perform transactions. For other            you need it most, and it’s convenient,                                    Rest Easy.
locations nationwide call (800) 919-CUSC (2872)
or visit www.gencu.org and click on the Shared            affordable and easy to qualify!                                           With Payment Protection, you can rest
Branching icon on the right side of home page.                                                                                      easy knowing your benefits can be
ATM network info available here too.                      Why Take The Risk?                                                        paid in addition to any other insurance
                                                          Who will make your loan payments if                                       or company protection you may have.
Fort Financial CU
6309 Lima Road - Meijer Store                             you can’t? That’s a worry you won’t
5909 Illinois Road - Meijer Store                         have to face with Payment Protection                                      Act Today.
10301 Maysville Rd. - Meijer Store                        Credit Insurance. If you die or                                           Protect your loan every time you
3102 Spring Street                                        become disabled due to a covered                                          borrow. For details about coverage
702 State Road 205 (Churubusco)
1302 S. Grandstaff (Auburn)                               illness or accident, your loan                                            and costs contact us at 260.471.5544
                                                          payments may be reduced or paid off.                                      or 800.889.5554.
3 Rivers FCU
6310 E. State Blvd. - Scott’s Food Store                  Simple Eligibility.
10230 Chestnut Plaza Dr. - Scott’s Food Store
10470 Maysville Rd.                                       No physical exam is required to qualify.
1155 W. 15th St. (Auburn)                                 A few simple health questions may
275 W. Frontage Rd. (Columbia City)                       be required. And the group rates are
10915 Isabelle Dr. (New Haven)                            affordable-typically less than individual
915 N Main St. (Bluffton)
846 N Lima Rd. (Kendallville)                             coverage!

Public Service CU
1209 Reckeweg Road
7017 Old Trail Road
Important Information Regarding Your ATM Card
                                              Effective November 9, 2011, you will no longer be able to use your ATM card
                                              for purchases or to access your checking account.

                                              These changes are due to the Durbin Amendment of the Dodd-Frank Act,
                                              which was signed into law by President Obama in July 2010. This
                                              amendment was written with the intention of reducing interchange income to
                                              the big banks that were too big to fail and also to reduce the cost to
                                              merchants that accept ATM cards as payment. Unfortunately, this law’s impact
                                              is also affecting your non-profit credit union. There is a wealth of information
                                              available online on both the Dodd-Frank Act and the Durbin Amendment, if
you would like to learn more about this.

Your current GCU ATM card will continue to allow you to withdraw cash from your savings account at an ATM. If you
want card access to your checking account to make withdrawals or need the ability to make purchases with your card,
General Credit Union has a FREE debit card to access your checking account. Our debit card also doubles as an ATM
card, to access cash from savings or checking accounts. However, for purchases it only accesses your checking
account.

For card access to your checking account, or if you would like to establish a checking account and obtain a FREE debit
card, please contact a manager at any of our 4 locations, or call us at 260.471.5544 or 800.889.5554. We appreciate
your cooperation during this transition.




      7.99%                       APR



     PERSONAL
     HOLIDAY
                                                As low as 7.99% APR for 60

     LOAN                                       months* $12,500 maximum
                                                per qualified member
*Annual percentage Rate (APR) assumes 0.25% reduction for automatic payments. Rates
may vary and are based on credit history at time of application. You would pay
approximately $20.27 per $1,000 borrowed at 7.99% APR for 60 months. This special rate
is not available for the refinance of an existing loan.
                                                                                                                     It Pay$ To Have Bill$!
                                                                                                                     Well, it just pays them. GCU’s new
                                                                               YOU CAN                               BillPay system that is. From November

  Hammer Loan
  Home Equity Loan as low as
                                                                          RECEIVE A LIMITED
                                                                          EDITION, ENGRAVED
                                                                                                                     15-17 our BillPay feature will
                                                                                                                     temporarily be down so that we can
                                                                                                                     upgrade the entire system.
                                                                                                                     Introducing a new look, quicker billpay


      1.99%APR*
                                                                            GCU HAMMER!                              turnaround, and more features to
                                                                                                                     better serve you! AND IT’S FREE! If
                                                                                                                     you currently are enrolled in our BillPay
No payments for 90 days. Low closing costs. No                                                                       program, your current bill payment
application fees.** No early termination fees. Loan                                                                  information will automatically be
                                                                                                                     converted during the upgrade.
amount up to 90% of appraised value of home, and less
mortgage balance.

* Annual Percentage Rate (APR) - Rates may vary and are based on credit history.                                     Please Note
After 24 months, the rate rolls over to a variable rate of 7% minimum and 18%
maximum based on 6-month T-bill +3% (currently 7%). Loan secured by owner-                                           Effective Monday, November 7, the
occupied property in the state of Indiana. ** Minimum loan/first draw is $10,000.                                    hours at the Sirva branch will be
Interest paid may be tax deductible - check with your tax advisor. This special rate is                              Monday, Wednesday, and Friday
not available for the refinance of an existing GCU loan. Limited time offer. An online                               9am - 1pm. The ATM and drop box
market valuation is required to qualify for no closing costs. If not available, A fee of                             will be available everyday. We are
$200 minimum (fees vary by county) will be charged for a drive-by appraisal.                                         making this change to be able to serve
                                                                                                                     our membership more effectively and
                                                                                                                     efficiently. We appreciate your contin-
                                                                                                                     ued support of GCU.
2011 dora maxwell award recipient
Kathy Knight, VP of Business Development & Marketing,
was presented the award after successfully nominating GCU.
                                                                                                                     Growing To Serve
                                                                                                                     You Better!
                                                      G   eneral Credit Union has been awarded the 2011 Dora
                                                      Maxwell Award ($50-100 million asset category) by the
                                                                                                                     Excitement abounds as we anticipate
                                                                                                                     a late fall opening of our new branch
                                                      Indiana Credit Union League. The Dora Maxwell award            at 630 E. Dupont Road in Dupont
                                                      represents the social responsibility recognition program for   Crossing next to Peerless Cleaners. It
                                                      credit unions nationwide and was established in 1987 to        will be a full service branch with lobby
                                                      encourage credit union and chapter involvement in              and drive thru hours. Be sure to tell
                                                      community projects and activities.                             all your friends to stop by during our
                                                                                                                     Grand Opening (TBD) and recieve a
                                        People helping people, are words that General Credit Union                   chance to win some great prizes.
                                       strives to stand by. Which is why GCU chose to raise money
                                        for the Mustard Seed Furniture Bank, a Fort Wayne-based
charity with the motto “Furnishing help to rebuild lives.” Mustard Seed provides household
furnishings to individuals and families who are starting over due to tragic circumstances. The credit
union set a goal to raise $2,000 for Mustard Seed’s Beds4Kids program, which would provide 20
beds for children in need. Thanks to your help in support of our community yard sale and Nelson’s
Port-A-Pit Chicken sales, we were able to raise over $2,000 and met our goal of helping Mustard
Seed provide beds to Fort Wayne area kids in need.

By winning first place at the state level, GCU will advance to the national competition, where we
will vie with credit unions of similar size throughout the country. GCU also claimed the Dora
Maxwell Award in 2005, 2006, 2007, and now 2011.
                                                                                                                     November 2011
                                                                                                                     Holiday Closings
                        #Facebook Friend Appreciation Month
                                                                                                                     Veterans’ Day - Friday, Nov. 11
                        ‘Like’ us on Facebook at General Credit Union, and you are                                   Thanksgiving - Thursday, Nov. 24
                        automatically eligible to win $25!
       What is Shared Branching?
Shared Branching is a network of credit unions that provide services to General Credit Union members at their
branch offices. Our network is called CU Service Centers, their partners in Fort Wayne are 3 Rivers FCU (select
branches), Fort Financial CU (in Meijer Stores), and Public Service CU. They provide additional convenient
locations where our members can perform transactions. There are over 4100 locations nationwide! Shared
Branching credit unions work together to help you, our member, find locations close to home, work, or while
traveling.

At Shared Branches you can perform transactions such as:
Deposits
Withdrawals
Loan Payments
Transfers between accounts
Purchase money orders, cashier’s checks, and traveler’s checks

Look up locations anywhere in the nation by going to www.creditunion.net/ or for smart phones scan this barcode:

                          To perform transactions at any Shared Branching location you will need your credit union
                          name, your General Credit Union account number and a valid government-issued photo
                          ID. With those three things they can access your account. Just look for the dark blue
                          swirl. Anywhere you see the swirl, you can perform transactions.




                                                        Riviera Branch Update

                                                        WOW! We are remodeling our Riviera Court office to
                                                        better serve you. Please pardon our dust as we
                                                        remodel inside and out. Additional parking will be
                                                        available in the rear of the credit union, a new open
                                                        concept lobby, community room, coffee bar and a new
                                                        kiosk location for our ATM are just a few changes. The
                                                        outside of the building will be painted a different color
                                                        and a new roof will be put on. During this process the
                                                        lobby and drive-thru will remain open.




                                                                              Christmas Club funds were
                                                                              transferred on Friday,
                                                                              October 28, for your
                                                                              convenience. Happy
                                                        Spending! Also, now is the time to open your
                                                        Christmas Club accounts for next year!

								
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