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The Newsletter For Members Of Fort Billings Federal Credit Union
The SenTinel
Auto Equity LoAn
Fort Billings Federal Credit Union is introducing our brand new Auto Equity loan. How would you like to be able to claim the interest from your auto loan, on your federal tax return? If you would, the credit union has just the product for you, as long as you own (or buying) your home. This new product is a car loan and your title is held for collateral, as normal. However, a lien is also placed on your property, which enables the credit union to send you IRS Form #1098 at year-end, so you can claim the interest on your tax return. Because your car title is the primary collateral, the amount of equity in your home is not considered and is not a factor. It is only necessary for you to qualify for the car loan and be a home owner. Note: Your present mortgage and/or home equity loan, as well as future ones, are not affected by this convenient new product.
Physical Address: 962 Billingsport Road Gibbstown, NJ 08027
July 2009
Mailing Address: PO Box 369 Paulsboro, NJ 08066 Telephone: (856) 423-1469 Fax: (856) 423-1092 Voice: (800) 423-4802 Lobby Hours: Mon., Tues., Wed., & Fri. 8:00 AM to 4:30 PM Thursday 8:00 AM to 6:30 PM Drive-Through Hours: Mon., Tues., Wed., & Fri. 8:00 AM to 6:00 PM Thursday 8:00 AM to 7:00 PM
So, why not take advantage of the new Auto Equity loan and get a huge tax advantage! For further details, or to apply, simply contact our Loan Department at 856-423-1469, extension #8122 or #8127.
Visa Credit Card Special!
Take advantage of the dynamic credit card at Fort Billings FCU. We have rates as low as 8.99%! There is no annual fee and no balance transfer fee. With credit card companies raising their rates, this is a great time to use your credit union’s card to pay off those high rate cards. Our credit card is simply one of the best in today’s market. It’s easy to apply; just stop in, or visit our website at www.fortbillings.org. If you only carry one credit card, and you want to carry the best, the Fort Billings credit card is the one for you!
www.fortbillings.org
Contact us to find out how you can enjoy the money saving products and convenient services your credit union has to offer.
Get The Latest Credit Union Information Online Visit Our Web Site At www.fortbillings.org
www.fortbillings.org
Auto ExprESS LoAn
Fort Billings Federal Credit Union is introducing our brand new Auto Express loan. This is an auto loan that is quickly approved in advance. The credit union will actually give you a check (good up to a certain dollar amount) that you can use to shop and negotiate your best deal! For example, let’s say you are looking at a new car, with a sales price around $25,000. The credit union will give you a check that is good up to $30,000. You then take your time to shop, to get the car of your dreams. Once you find your vehicle and negotiate the deal, you simply fill in the exact amount of the purchase, on the check. Then both you and the dealer sign the check. The dealer deposits the check in his bank account and you drive home with your new car! When the check arrives back at the credit union, we will call you to let you know the exact amount of your monthly payments. Another great feature is you do not need to come back to the credit union and your interest does not begin until the check clears. This is a great way to shop, at your convenience, and you have the confidence and the power to negotiate your best deal! This is just another great benefit of being a member of the Fort Billings Federal Credit Union. For further details, or to apply, simply contact our Loan Department at 856-423-1469, extension 8122 or 8127.
Bulletin Board
Tips For Saving During Uncertain Times
With a bad economy, the chance of being let go and rising prices, saving is nearly impossible. But, saving is still important. If anything, the bad economy shows us that saving is essential because you never know what might happen. Here are some tips to help you save during these difficult economic times:
Saving For the Future
The credit union offers a full array of outstanding deposit products to meet your savings needs. Our savings products include: l l Share Account (Savings Account) Christmas Club l l Share Certificates Individual Retirement Account l l Money Market Custodian Accounts for Kids For more information, or for current rates, just visit our website at www.fortbillings.org, or call us at 856-423-1469, extension 8100. All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
Don’t panic. Don’t go and withdraw all your money. Fort Billings FCU is safe and sound. Stay true to your goals. If you decided during good times to save for the holidays or a great vacation, make these dreams come true by cutting back on other things. Eliminate bills where and when you can. Write down your income, subtract taxes and insurance costs to find how much money you have available to save. Maintain good credit. No matter what, preserve and protect your credit by paying your bills on time, refusing to purchase expensive items and limiting how many credit cards you have. Increase your income. Invest in a government-insured, interestearning Share Certificate or Individual Retirement Account. We know it’s tough to save when money is tight, but we are here to help. Don’t hesitate to contact us.
SummEr Skip-A-pAy: the Cherry on top!
Indulge this summer and skip the July or August payment on your qualifying Fort Billings FCU loan(s)* so you can enjoy all of the good stuff summer has to offer. There is a low $35 processing fee to take part in our scrumptious Summer Skip-A-Pay. Interest accumulates on your loan during the month you skip your payment. To sign up for this summer’s Skip-A-Pay, stop by or give us a call!
*Excludes real estate (home equity) and credit card loans.
Beat the Dog Days of Summer With Credit union membership!
Your family members (spouse, children, parents, siblings, grandchildren, and household members) can beat the heat with credit union membership. There are many advantages for them to conduct their financial affairs at Fort Billings FCU! We offer high rate savings and investment accounts, low rate loans, convenient services, membership that lasts a lifetime, federal insurance, and a knowledgeable staff to help you with all of your financial needs. Stop by to get membership applications for your family today!
www.fortbillings.org