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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: email@example.com 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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