Have Big Summer Plans but Need Extra Cash?
Skip A Payment this Summer!
Summer activities, travel, and a greater need for air-conditioning in Houston can require more money to be spent during this time of year. That’s why Houston Municipal Employees FCU wants to give you the chance to skip a payment in June!
Applying is Easy
There is only a $25 processing fee per loan. You can send us a check for the fee or we can deduct the fee from your checking or savings account. Just complete the information requested below and return it to HMEFCU to skip your loan payment by May 31, 2008 to: Houston Municipal Employees Federal Credit Union Attn: Loan Department 608 E. Tidwell, Houston, TX 77022 Or 611 Walker St. 5th Floor, Houston, TX 77002
Detach here or fax to 713.699.0581 or 713.224.6844
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Save for your next Vacation or Winter Holiday
At HMEFCU we offer both Vacation and Christmas Club accounts. These accounts are designed to help you save money prior to taking a trip or spending a lot during the holidays. With a balance of $200 or more, you’ll even earn dividends. • Receive a VISA Travel Money Card at no charge when purchased with Vacation Club funds. Open a Vacation Club Account and start saving for your next vacation today!
Houston Municipal Employees FCU • Skip- A- Payment Form
(Must be received by May 31, 2008)
I authorize HMEFCU to skip my payment on the loan(s) listed below. I understand that taking advantage of this option extends the term of the affected loan(s) by the amount skipped and that interest will continue to accrue on the balance of the loan throughout the deferred payment period. Please print name: Member Name
Signature
Vacation Club
Join us for a Car Buying Seminar
In April we will hold our first of two seminars for the year. This one will focus on car buying and will cover topics ranging from when to get financing approval to the hidden cost in 0% financing and cash back incentives. Please bring your lunch and we will supply the drinks, to 611 Walker Street, Garden Level Auditorium, on Tuesday April 15, 2008. The seminar will start at 12:15, and the speaker is scheduled to take the podium at 12:30. Hope to see you there!
Christmas Club
• Account matures on November 1st • The funds are automatically transferred into your regular share account. Start saving early and you won’t have to worry about the extra expenses during the holidays! This savings option is offered to our members with funds to invest for a fixed period of time at a higher rate of return.
Co-Signer
Co-Signer Signature (if applicable)
Share Certificates
Please deduct the $25 fee per loan from my Account # Skip only the loans indicated below: Auto Loan Daytime phone ( Email address ) Auto Loan
Savings
Checking.
Wheels with Cash
Second Chance Loan Signature Loan
Finance your next auto loan through Houston Municipal and not only will you receive a great rate, but we’ll also give you a $50 VISA gift card. Use this free money for gas, a night out to dinner, or for anything you would like to purchase. VISA gift cards are as good as cash and accepted anywhere VISA is, which leave the possibilities wide open. Hurry in soon, this offer expires June 30, 2008. Be sure to check the Repo Corner for great vehicles, directly available through your credit union.
Please note: Payments on share secured, certificate, home equity, home improvement loans, credit cards or Vehicle Single Interest (VSI) add-ons may not be skipped. If your loan payments are automatically deducted, your regular payment amount will be deposited into your share account. Interest will accrue on all affected loans and will cause the maturity date on each to be extended. This program is not available for loans that are delinquent.
Rates as High as 4.00% APY* for a 36 month Certificate
*APY is annual percentage yield. Dividends paid monthly. $1,000 to open. Penalty for early withdrawal.
We Offer VISA Gift Cards
Are you trying to figure out what to get the graduate in your life? What about Mother’s Day and Father’s Day gifts? Stop guessing about the perfect gift and come in to Houston Municipal EFCU for a VISA Gift Card today. These Gift Cards are accepted anywhere VISA is accepted, ranging from retail outlets to restaurants. You choose the amount to place on the card and let the recipient find that perfect gift.
Locations:
608 E. Tidwell, Houston TX, 77022 713-699-0795 877-798-4715 (Toll Free) 611 Walker, 5th Floor, Houston, TX 77002 713-224-6566 877-798-4707 (Toll Free) www.hmefcu.org
Main Office
Branch Office
Fighting Back Against Identity Theft
Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name. Each year, millions of Americans have their identity stolen. The Federal Trade Commission, the nation’s consumer protection agency, wants you to have the information you need to protect yourself against identity theft. This information is summed up in the FTC’s clear and concise message on identity theft: Deter, Detect, Defend. • DETER identity thieves by safeguarding your information • DETECT suspicious activity by routinely monitoring your financial accounts and billing statements • DEFEND against ID theft as soon as you suspect a problem While there is no fool-proof way to avoid ID theft, there are steps you can take to minimize your chance of becoming a victim, and steps to take to minimize the damage should a theft occur.
24-Hour ATM Locations:
608 East Tidwell 611 Walker Street (Garden Level) 5656 Kelly Street (LBJ Hospital) 1507 Taub Loop (Ben Taub Hospital)
2525 Holly Hall (HCHD Admin Blg)
It’s Always a Good Time to Save
Planning for the future should be considered no matter what the market conditions are today. By saving in an interest-bearing account you’ll not only have the money you’ve put away but you’ll earn “free” money on top of that in the form of dividends. Houston Municipal Employees FCU offers Individual Retirement Accounts (IRAs), Certificates of Deposit (CDs), and Money Market accounts to help you save for tomorrow.
Memorial Day - May 26, 2008
Holiday Closings:
CU Service Centers
Northwest Houston 5507-E FM 1960 West Houston, TX 77069 Phone: (281) 580-1557 ATM and drive-thru Hours: 9:00 am to 7:00 pm (M-F); 9:00 am to 2:00 pm (Sat) Southeast Houston 12346B Gulf Freeway Houston, TX 77034 Phone: (713) 946-5828 ATM and drive-thru Hours: 9:00 am to 7:00 pm (M-F); 9:00 am to 2:00 pm (Sat) Sugar Land CUSC 15303 Southwest Freeway Sugar Land, TX 77478 Phone: (281) 242-3200 Fax: (281) 242-3244 Location features ATM machine. Hours: 9:00 am to 7:00 pm (M-F); 9:00 am to 2:00 pm (Sat) Look for the swirl for participating credit unions or visit www.cuservicecenter.com for other locations
Benefits of an IRA
IRAs come in a few different forms to best fit your lifestyle. The first is a Traditional IRA which allows your money to be untaxed until the time you withdraw the funds. The second form, Roth IRA, is the exact opposite. Roth IRAs tax the money as it is deposited and is then tax-free upon withdrawal. The third IRA is a Coverdell Education IRA and is designed to help pay for school. Each form of an IRA has a maximum amount that you can contribute each year and restrictions on when funds can be withdrawn. Please speak with a Member Service representative to learn more about IRAs and to find out which one is best for you.
Benefits of a CD
CDs require just $1,000 to open with term lengths of 6 months, 1 year, 2 years, or 3 years. HMEFCU’s rates are highly competitive and will help you get a jumpstart on your savings. A Member Service representative would be happy to help you set up a CD today.
Repo Corner
You can always find a great deal on your next vehicle through our Repossessed Auto Sales. For more information about our available vehicles, stop by or call 713.699.0795 ext. 3026 to speak with Emoline Simon today. You can also visit our Member Auto Sales Lot at www.MemberAutoSales.com
Benefits of Money Market Accounts
Money Market accounts are similar to a regular share account, but earn a higher yield. There is a minimum $2,500 deposit, but unlike an IRA or CD, the funds are available for withdrawal at all times.