visa gift cards make the perfect gift - Columbus Metro Federal Credit

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					                Ballots To Be Included In           VISA GIFT CARDS MAKE THE PERFECT GIFT
                December Statements                                                 If you’re looking for the perfect gift this holiday season, look no
                Our 2008 elections for three                                            further ... a Visa® Gift Card is the ideal gift for everyone on
                positions on the board of                                                  your holiday shopping list!
                directors will be conducted by
                mail. Your ballot, along with                                             Always appreciated
                information on the candidates,                                            Gift-givers and recipients alike appreciate the convenience
                will be mailed with your state-                                           that a Visa Gift Card offers. When you give a gift card, you
                ment for the period ending                                                don’t have to fight the crowd at the mall or worry about
                December 31, 2007. Completed                                              buying the wrong size. When you receive one, you won’t
                ballots must be received by         have to bother with returns or exchanges, because a Visa Gift Card is always just right.
                February 29, 2008. The results
                will be announced at our annual     Easy to buy, easy to use
                meeting in March.                   A Visa Gift Card fits every budget and every taste. You can purchase a gift card in any amount
                                                    from $25 to $1,000. And gift cards can be used to make purchases online, by phone or in person
                Pay Bills, Deck The Halls           at millions of merchants worldwide that accept Visa debit.
                MetroWeb Bill Pay makes
                paying your bills simple, secure    Start — and finish — your holiday shopping today
                and fast, leaving you time for      You can finish your holiday shopping in minutes when you give Visa Gift Cards. For more
                the important things this holiday   information or to purchase a gift card, visit any of our offices or go to www.columbusmetro.org.
                season. Now, paying your bills
                can also help you win $5,000 to
                spend on holiday decorations,
DECEMBER 2007




                gifts, or anything you want. For
                details, visit www.columbus
                               www.columbus          CREDIT UNIONS EARN PRAISE IN THE PRESS
                      o.org/billpay.html.
                metro.org/billpay.html
                metro.org/billpay.html               Credit unions offer the best deals in banking, according to a
                                                     recent article on CNNMoney.com. “Credit unions offer
                Holiday Closings                     sweet deals on credit cards and auto loans, the best CD
                Our offices will be closed in        rates in the business and heaps of personal services,”
                observance of these upcoming         says Money Magazine writer Carolyn Bigda, who
                holidays:                            authored the article.

                Christmas Day                        Credit unions also have a reputation for providing
                Tuesday, December 25                 outstanding customer service. In the October 2007 issue of Consumer Reports, the
                                                     magazine reported that credit unions scored very highly in its survey of credit card
                     Year’
                      ear’s
                New Year’s Day                       issuers. Credit unions also consistently rank first among all financial institutions in the
                Tuesday, January 1                   American Banker annual customer satisfaction survey.



                                                                                                                      www.columbusmetro.org
THIS HOLIDAY, FILL YOUR LIFE WITH WONDER                                                                                                                 BY PHONE




                                                                                                                                                                                  CONTACT US
                                                                                                                                                                                  CONTACT US
                                                                                                                                                         614.239.0210
Win $50,000 every December for the next 20 years with Visa                                                                                               800.986.3876
This holiday, Visa invites you to fill your life with wonder. Imagine what
you would do with $1,000,000! When you use your Columbus Metro                                                                                           BY FAX
                                                                                                                                                         614.239.0988
Visa card to make purchases this November 15–December 31 — from
small purchases like ornaments and wrapping paper to big-ticket items like
                                                                                                                                                         BY EMAIL
holiday travel — you’ll be automatically entered for a chance to win.
                                                                                                                                                         cmfcu@columbusmetro.org

Remember, the more times you use your Columbus Metro Visa card, the more automatic entries
                                                                                                                                                         BY MAIL
you’ll receive in the Your Life, More Wonderful Sweepstakes. To learn more, visit www.visa.com/win.                                                      P.O. Box 13240
NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN. Non-Purchase Entries and Purchase Entries have an Equal Chance of                                   Columbus, OH 43213-0240
Winning. For details on non-purchase entries, see Official Rules at www.visa.com/win. PIN-based and ATM transactions are not eligible. Void where
prohibited. Sweepstakes ends 12/31/07.
                                                                                                                                                         VISIT US
                                                                                                                                                         4000 E. Broad St.
                                                                                                                                                         Columbus, OH 43213
                                                                                                                                                         614.239.0210
 DIRECT DEPOSIT: ONE SIMPLE STEP TO SAFETY
                                                                                                                                                         DSCC Building 20
 Each month, millions of Americans receive a paper check for their Social Security and other federal                                                     614.237.4676
 benefit payments. What many people may not realize is that checks can be lost, stolen or forged.
 Direct deposit is safe and secure, because it eliminates the risk of forged checks and helps safeguard                                                  DFAS Building 21
 against identity theft.                                                                                                                                 614.236.3371

 According to the U.S. Treasury:                                                                                                                         24-HOUR SERVICES
 • In 2006, nearly 57,000 Treasury-issued checks totaling more than $54                                                                                  MetroWeb
                                                                                                                                                         www.columbusmetro.org
     million were forged.
 • When there’s a problem with a Social Security payment, nine times out of 10 it’s with a paper                                                         MetroTeller
     check, not a direct deposit payment.                                                                                                                614.237.8777 or 800.529.4619

 Signing up is free, quick and easy — just call the Go Direct helpline at 800.333.1795 or go to                                                          Loan By Phone
 www.GoDirect.org.                                                                                                                                       614.239.0210 or 800.986.3876
                                                                                                                                                         press 2

                                                                                                                                                         Visa Balance & Payment
                                                                                                                                                         Inquiries
    KEY RATES




                 Regular Money Market                            36 Month Share or IRA Certificate              Used Vehicle—Fixed Rate
                 $1,000 minimum ..... 1.50% APY                  $500 minimum ......... 4.50% APY               As low as ................ 6.99% APR*    800.600.5173
                                                                                                                Up to 66 months                          www.ezcardinfo.com
                 Super Money Market                              60 Month Share or IRA Certificate
                 $20,000 minimum ... 2.25% APY                   $500 minimum ......... 4.50% APY               Home Equity Loan—Fixed Rate
                 $50,000 or more ...... 4.25% APY                                                               As low as ................ 6.49% APR*    Lost or Stolen Visa
                                                                 Education Growth                                                                        During regular business hours
                 6 Month Share or IRA Certificate                Fund Certificate                               Home Equity Line of Credit
                 $1,000 minimum ..... 4.75% APY                  $250 minimum ......... 5.75% APY               Redi-Line .................. 7.00% APR   614.239.0210 or 800.986.3876
                                                                                                                                                         After hours 800.991.4961
                 12 Month Share or IRA Certificate               New Vehicle—Fixed Rate                         First Mortgages
                 $500 minimum ......... 5.00% APY                As low as ................ 6.49% APR*          Visit our online mortgage center
                                                                 Up to 72 months                                or call for current rates                Lost or Stolen MasterMoney
                 15 Month Share or IRA Certificate                                                                                                       800.528.2273
                 $500 minimum ......... 5.00% APY
                 Allows deposits of $250 or more

                 Rates current as of 11/15/07 and subject to change without notice. See a Member
                 Services Representative for full details. APY = Annual Percentage Yield. APR =
                 Annual Percentage Rate. Loans made subject to standard loan approval guidelines.
                 *
                  The rate you pay may vary based on your credit history and/or loan-to-value ratio.

				
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