Take Advantage of Our 0% VISA®Balance Transfer Promotion! by xkv17320


									                                                                                                                             Summer 2007

                                                              Take Advantage of Our 0%
                                                              VISA® Balance Transfer Promotion!
                                                              August 1 - November 1, 2007
           MAIN OFFICE
          46 Federal Avenue N.W.
           Massillon, OH 44647                                  VISA Classic Cardholders                      VISA Gold Cardholders
           Phone: 330-832-1371                                               enjoy a                                      enjoy a
            Fax: 330-832-7650
                                                                        3.99% APR*                                     0% APR*
                MAIN OFFICE HOURS                                until November 1, 2008                       until November 1, 2008
       Monday        9:00 a.m. - 5:00 p.m.                       on all balance transfers                     on all balance transfers
       Tuesday       9:00 a.m. - 5:00 p.m.                     from Aug. 1 - Nov. 1, 2007                   from Aug. 1 - Nov. 1, 2007
     Wednesday       9:00 a.m. - 5:00 p.m.
      Thursday       9:00 a.m. - 5:00 p.m.
         Friday      9:00 a.m. - 5:00 p.m. (Lobby Hours)      Take advantage of the BEST VISA balance transfer promotion
                     9:00 a.m. - 6:00 p.m. (Drive-up Hours)
                                                              we’ve ever offered! For a limited time, you’ll be able to transfer
      BRANCH OFFICE                                           balances from your higher rate credit cards. VISA Classic
           2056 Wales Road N.E.                               cardholders will enjoy a 3.99% APR* on all balance transfers, and
            Massillon, OH 44646
           Phone: 330-830-3312                                VISA Gold cardholders will enjoy a 0% APR* on all balance
             Fax: 330-830-3663                                transfers that are posted between August 1 - November 1, 2007.
             BRANCH OFFICE HOURS                              Visit us online for more details or watch for your Balance Transfer
        Monday 9:00 a.m. - 5:00 p.m.
       Tuesday 9:00 a.m. - 5:00 p.m.                          Form in your monthly statements. These forms will also be
     Wednesday 9:00 a.m. - 5:00 p.m.
      Thursday 9:00 a.m. - 5:00 p.m.
                                                              available on our website beginning August 1st. If you’ve been
         Friday 9:00 a.m. - 5:00 p.m. (Lobby Hours)           thinking about consolidating your debt, now is the time to take
                 9:00 a.m. - 6:00 p.m. (Drive-up Hours)
       Saturday 9:00 a.m. - 12:00 p.m.                        action, because a deal like this doesn’t come along too often!
                                                                                              *Annual Percentage Rate. Some restrictions will apply.

Relay for Life
MACU Gives Back to the Community
On June 8th and 9th, Massillon Area Credit Union staff and board members
were on hand to help with the annual area American Cancer Society Relay for
Life. Relay for Life is a national fund raiser bringing awareness and attention
to the fight against cancer. MACU was a Bronze Level sponsor, having
contributed $1,000 in funds as well as donating and handing out 1,000
bottles of cold water to those walking and running in the event.

 Discount Park Tickets
 Cedar Point                                 $33.00
                                                              Coloring in the Lines Wins Big!
 Cedar Point 2-Day                           $65.00                                        Tyce Patt was the lucky winner in our
 Geauga Lake                                 $21.00                                  random coloring drawing during April’s Youth Week.
 Kings Island                                $34.45
 Kings Island child/senior
                    s                        $25.45                                       Congratulations Tyce!
                                                                                   Chelsea Price, age 11, participated in our essay writing
     Holiday Closings                                                                contest defining “Why it’s Important to Save.” Her
                                                                                    essay provided a wise perspective to the all important
                                                                                   concept of saving for the future. Remember, it’s never
              Wednesday, July 4th                                                        too early to start a life long habit of saving.
           Independence Day                                                                 Chelsea won a portable DVD player.
           Monday, September 3rd
                  Labor Day
                                                               303                     Congratulations Chelsea!
                                                                                           Thanks to all of the children and teens who
                                                                                                 participated in this fun event.
             Monday, October 8th
               Columbus Day                                     The Massillon Area Credit Union Privacy Policy is included with your June statement.
SUMMERTIME – Travel, School
Vacations and the Dreaded “Honey Do” List                                         LOAN RATES
                                                                                                Effective as of
Yes, it’s that time again.                                                                     June 16, 2007
A precious few months
when the weather                                                                                                                TERM                APR*
                                                                                                                             (Max Months)         (As Low As)
cooperates and
thoughts turn to the                                                            NEW VEHICLE LOANS
laundry list of things you                                       Cars, Trucks, Vans, Motorcycles    72                                             6.25%
need to do to improve                                            Recreational Vehicles, Boats, ATVs 72                                             6.25%
your home. Lucky for
you, the Massillon Area Credit Union has a variety of                          USED VEHICLE LOANS
loans at affordable rates to help you with whatever              Cars, Trucks, Vans, Motorcycles    72                                             6.25%
project is on your “honey do” list.                              Recreational Vehicles, Boats, ATVs 72                                             6.25%
Check out our website www.massillonareacu.org for                                SIGNATURE LOANS
details or give us a call, but here are some of the
                                                                 Signature Loan (Debt Consolidation Loan)                               60 8.50%
highlights for the variety of loans we offer:
                                                                 Share Secured (100% secured)                                           any 3% above
  • Easy application process
                                                                                              CREDIT CARDS
  • No application fees
  • No pre-payment penalties                                     VISA® Classic (Purchases, Balance Transfers, Cash Advances)12.99%
  • No processing fees                                           VISA® Gold                                                                        7.99%
  • Variety of repayment options
                                                                                   HOME LOANS
  • Borrow up to $50,000 for home
                                                                 Home Equity Line of Credit (Variable Rate)
    improvement projects!
                                                                    80% Loan to Value              20 years      8.25%
  • Home Equity loans up to 100% of the                             100% Loan to Value             10 years     10.00%
    value of your home!                                          Property Improvement (Fixed Rate)
                                                                    Up to $7,500                             60 8.00%
We even have great plans for first-time home buyers
                                                                    Up to $50,000                           180 7.50%
or those that don’t have a down payment. Give us a
call for more information at 330-832-1371.                                                HOME MORTGAGES
                                                                 1st Mortgage (up to $150,000)    10 years                                    call for rates
               Debit card limits were recently                   1st Mortgage (up to $150,000)    15 years                                    call for rates
              increased to $2500 per day as                      1st Mortgage (up to $150,000)    30 years                                    call for rates

                long as you have the available                   2nd Mortgage (80% loan to value) 15 years                                     8.25%
            funds. ATM cash withdrawals have                     2nd Mortgage (100% loan to value)15 years                                    10.00%
                                                                 *Annual Percentage Rate. All rates are subject to change without notice.
             been increased to $300 per day.                     Interest rates are based on credit history plus number of years financed.
                                                                   Mortgage rates are subject to change daily. Call for current rates and
                                                                                          closing cost information.

  If you find the hidden account number in this newsletter                                   SAVINGS RATES
  and it’s yours, call the credit union and claim your prize     SHARE SAVINGS ACCOUNTS                                           APR*            APY*
  of $150! Every quarter we hide an account number, and          Regular Shares $100 and over                                    1.00%            1.00%
  if no one claims it, the prize money rolls over to the next    Christmas Club $100 and over                                    1.00%            1.00%
  quarter! This quarter’s prize is $150 so start looking!        Money Market NOW Account ($10,000-$24,999)                      2.00%            2.02%
                                                                 Money Market NOW Account ($25,000-$49,999)                      2.25%            2.27%
                                                                 Money Market NOW Account ($50,000+)                             2.50%            2.52%

            2 Locations                                          SHARE CERTIFICATES*                         Early Withdrawal Penalty

        To Serve You Better!                                      6 month
                                                                 12 month
                                                                              APR *
                                                                                                         APY *
                                                                                                                                30 days interest
                                                                                                                                30 days interest
           The Massillon Area Credit Union                       18 month   4.96%                       5.05%                   60 days interest
          members benefit from having two                        24 month   5.01%                       5.10%                   60 days interest
        locations ready and available to meet                    36 month   5.05%                       5.15%                   90 days interest
                                                                 48 month   5.10%                       5.20%                   90 days interest
         your financial needs. Don’t forget –                    60 month   5.20%                       5.30%                   90 days interest
          Wales Road offers all of the same                             *$1,000 minimum deposit required to open CD. Dividends calculated daily,
                                                                  compounded quarterly. APR* = Annual Percentage Rate *APY = Annual Percentage Yield
       quality full-service you’ve come to expect
        at our downtown location. Visit either                   IRA CERTIFICATES *
                                                                            APR*                         APY*               *$100 minimum
       branch, and remember that our Wales                                                                                  deposit required to
                                                                 12 month   4.91%                       5.00%               open an IRA.
           location is open every Saturday!                      24 month   5.01%                       5.10%               Dividends calculated
                                                                 36 month   5.05%                       5.15%               daily, compounded
                                                                                                                            quarterly. An early
                                                                 48 month   5.10%                       5.20%               withdrawal penalty
  NOTICE: In compliance with Federal Regulation D, all           60 month   5.20%                       5.30%               may apply.

  Savings Accounts (such as Share Accounts, Christmas Clubs,                 APR* = Annual Percentage Rate *APY = Annual Percentage Yield
  Travel Clubs, Special Accounts) can only have 6 transactions
  per month. If you are planning to have automatic payments
  scheduled, please have them taken from your Checking
  Account. This is a federal law and we are required to comply                                                        This institution is not federally
                                                                                                             Americaninsured. Member accounts
  with these parameters. Thank you for your cooperation with                                                          are not insured or guaranteed
                                                                                                             Share by any government or
  this issue.                                                                                                Insurancegovernment-sponsored

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