A Quarterly Newsletter
“We’re Here To Help”
www.whcu.org
Fall 2007
Receive Up To $200 In Cash Bonuses This Fall! See offers below.
Refinance Your Auto Loan And Receive A $100 Cash Bonus!
Want to lower your monthly payments on your auto loan from another lender? Bring that auto loan to The White House FCU, and refinance it at our Credit Union.
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– l Offer Specia h Throug Good /07! 12/31
Rates as low as
5.00% APR*
Other rates and terms available Up to 100% financing Low monthly payments Receive an even faster loan decision by using our online loan application at www.whcu.org If you’re in the market for something newer, check out our new auto loans with rates as low as 4.75% APR and terms up to 6 years.** Contact us for details.
Apply today! Stop by, call 202-456-2900 or 888-804-WHCU (9428) toll-free, or visit us online at www.whcu.org.
*Annual Percentage Rate; subject to change. Rate quoted is for a used auto loan with a term of 36 months. Rates may vary depending upon the individual applicant’s creditworthiness. Certain restrictions apply. **New auto loan rate quoted is with a term of 36 months. Loan term of 6 years applies to amounts of $25,000 or more.
Save Money By Transferring Your Balance To Our VISA Credit Cards!
Not a fan of the high rates on your department store and other credit cards? Transfer the balances to a VISA® Classic or VISA Gold Credit Card from The White House FCU, and you could save on interest payments! Our VISA cards have some of the lowest rates in the nation – as low as 9.00% APR* (Prime +1.25%) on the VISA Gold Card and just 10.90% APR on the VISA Classic Card. And to give you a little extra incentive, we’re throwing in a bonus. If you transfer your balance before December 31, 2007, you can receive a 2% bonus on the amount transferred, up to a maximum of $100. To learn more about this offer, stop by or call 202-456-2900 or 888-804-WHCU (9428). To find out more information about our VISA Credit Cards, see the VISA story on page 3 or visit us online at www.whcu.org.
*Annual Percentage Rate; subject to change.
r er you Transf before e balanc ou and y 31/07 12/ eceive also r could ASH 100 C a$ US! BON
CEO’s Corner
Buying a vehicle can be exhilarating. There is the fun of picking out the make and model, choosing the interior features that you want, and selecting a color. Then after you’ve actually bought the vehicle, there’s the entertainment of showing it off to family and friends and enjoying a road trip. But since a vehicle is a major investment, some caution is needed in order to ensure that you get a good deal from the dealership. And that’s where the Credit Union can help you. As a Credit Union member, you have access to services such as the Motor Vehicle Certification Program (MVCP). With this service, you save extra time and money because it offers pre-negotiated prices on new and used vehicles, up-to-date rebates and other incentives, and other features to guide you through the buying process. For more information, visit www.mvcp.com. But there’s more. The White House FCU can also pre-approve your auto loan before you go to the dealership to buy the vehicle. This way, you have much more negotiating room to get the best price from the dealership, and you have peace of mind because you know that your vehicle financing is already in place. Saving our members time and money is just one of the many benefits of being a member of The White House FCU. We’re always here to help you, however we can.
Enjoy More Cash For The Holidays With Skip-A-Pay
It’s a fact of life – there are times every year when your budget can be feeling some stress. But don’t worry; here at The White House FCU, we have the answer! With our Skip-A-Pay program, you can skip a payment on loans such as a vehicle loan or a signature loan.* If you like, you can even skip a payment on two or more of your loans at The White House FCU! Just choose the month you want to skip – November, December or January. Funds you save can be used for shopping, travel or anything else.
Watch your mailbox for more information!
*Interest will continue to accrue on your loan during the month skipped. Request must be received before the loan payment is due. Only one request may be made per loan. A onetime fee of $35 will be charged per loan request. Credit cards, mortgage loans, home equity loans and home equity lines of credit are excluded from this offer.
Sincerely yours, Tina P. Blackwell Chief Executive Officer
Come To Our Website For Easy, Secure Account Access!
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Manage your savings, checking and other accounts with CU at Home Online Banking Monitor your VISA account without having to wait for account statements Pay one-time or recurring bills quickly with Online Bill Pay
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Stop by and check us out at www.whcu.org!
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Give Yourself A Terrific Present: A VISA Credit Card!
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As low as 9.00% APR* (Prime Rate + 1.25%) on variable-rate VISA® Gold Cards Just 10.90% APR on fixed-rate VISA Classic Cards No annual fee No fees for balance transfers or cash advances 25-day grace period on your purchases 24/7 VISA account access through www.whcu.org FREE travel/accident insurance Get cash at VISA ATMs or at surcharge-free CO-OP and CU 24/CU HERE ATMs
or Ideal f idays he hol t ll year and a long!
Apply today! Stop by, call 202-456-2900 or 888-804-WHCU (9428) toll-free, or visit us online at www.whcu.org.
*Annual Percentage Rate; subject to change.
Ready To Give Your Home A Makeover? Our Low-Cost Home Equity Line Of Credit Can Help!
If you’ve decided your bathroom, kitchen or other rooms in your home could use a new look, come to The White House FCU. Our variable-rate Home Equity Line of Credit provides a useful, revolving credit line of up to $150,000, and there are NO closing costs! • As low as 7.75% APR* • Other uses include tuition or debt consolidation • Interest payments may be tax-deductible** • Fixed-rate Home Equity Loans with fixed monthly payments also offered at The White House FCU – contact us for details! Get a Home Equity Line of Credit today! Stop by, call 202-456-2900 or 888-804-WHCU (9428) toll-free, or visit us online at www.whcu.org.
*Annual Percentage Rate; subject to change. Minimum draw of $10,000 required. **Consult your tax advisor for more information.
VISA Gift Cards: A Handy Gift At Any Time, For Any Occasion
Why run around from store to store, looking for the perfect gift? If you’re the type of person who likes to take care of all your shopping at once, we’ve got something you’ll love: VISA® Gift Cards. Buy these prepaid gift cards for your family, your friends, your coworkers or anyone else! The cards can be used at millions of locations where VISA debit is accepted, such as retail stores, online businesses, and companies that accept orders by mail or by phone. Plus, the VISA Gift Card* makes a great gift for the holidays, birthdays, wedding anniversaries, retirement parties, baby showers or other special occasions. Buy your VISA Gift Cards today! For details, stop by or call 202-456-2900 or 888-804-WHCU (9428).
*Please note: Card balance is not insured by the National Credit Union Administration.
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HOLIDAY CLOSINGS APY* 1.26% 1.26% 1.26% 4.07% 2.02% 3.82% 5.17% 3.81% 4.33% 4.59% 4.64% 4.86% 5.12% 4.33% 4.59% 4.86% 5.12%
Columbus Day October 8 Veterans Day November 12 Thanksgiving Day November 22 & 23 Christmas December 25 New Year’s January 1, 2008
Rates as of October 1, 2007. Rates and promotions are subject to change without notice.
SAVINGS Rate Young Savers Account 1.25% Regular Share Account 1.25% 1.25% Special Share Account Traditional, Roth & SEP IRAs 4.00% Money Market Acct. ($2,500 Minimum Balance) $2,500 - $24,999 2.00% $25,000 - $99,999 3.75% $100,000+ 5.05% Share Certificate† 6 Months 3.75% 12 Months 4.25% 24 Months 4.50% Step Up 36 Months 4.55% 36 Months 4.75% 48 Months 5.00% IRA Certificates† 12 Months 4.25% 24 Months 4.50% 36 Months 4.75% 48 Months 5.00%
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O F F I C E L O C AT I O N & H O U R S
Visit or Call our Main Office: 1724 F Street, NW Washington, DC 20006 Main: 202-456-2900 Toll-Free: 1-888-804-WHCU (9428) FAX: 202-456-2413 Address ALL Correspondence to: Membership Services Box 203 1745 Pennsylvania Ave., NW Washington, DC 20006 E-mail Member Services: admin@whcu.org Office Hours: Monday - Friday 8:30 a.m. - 4:00 p.m. (Credit Union opens at 9:30 a.m. on the first & third Wed. of each month) Closed weekends and federal holidays. 24-hour Audio Teller: 202-456-2900 [press 1 or call 1-888-804-WHCU (9428) toll-free] Routing and Transit Number: 254075551
Rates subject to change. For current rates, call 202-456-2900 or 1-888-804-WHCU (9428) toll-free.
FIXED-RATE LOANS APR◊ PFI Relationship◊◊ Certificate Secured 2% above the certificate rate New Car Loans As Low As Up to 3 years 4.75% 4.75% APR Up to 4 years 5.00% 5.00% APR Up to 5 years 5.50% 5.50% APR (Up to 6 years available if $25,000 or over) Used Car Loans As Low As Up to 3 years 5.00% 5.00% APR Up to 4 years 5.25% 5.25% APR Up to 5 years 5.75% 5.75% APR Motorcycle Loan Up to 5 years 7.23% 6.98% APR Fixed-Rate Home Equity Loan (Up to 90% of the Equity) 5 Years 5.99% 5.74% APR 10 Years 6.99% 6.74% APR 15 Years 7.99% 7.74% APR Signature Loans Up to 5 Years 10.00% 9.75% APR VISA Classic 10.90% VARIABLE-RATE LOANS Leisure Time Vehicles Up to 5 Years Up to 10 Years (If over $25,000) Lines of Credit Share Secured Loans Up to 10 Years VISA Gold (Prime + 1.25%) Home Equity Line of Credit (Prime) APR◊ 8.48% 9.48% 11.98% 3.25% 9.00% 7.75% PFI Relationship 8.23% APR 9.23% APR 11.73% APR N/A N/A
MISSION STATEMENT The White House Federal Credit Union is a quality-driven financial institution focused on providing competitive products and service excellence.
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Jeter A. Morris, Chair Alex G. Nagy, Vice Chair Joseph G. Kouba, Treasurer Elizabeth Kaminski, Secretary Mary C. (Cathy) Fibich, Director Rosemary Rogers, Director
Problem with Your Account? Write to:
Supervisory Committee PO Box 27160 Washington, DC 20038-7160
*Annual Percentage Yield. ◊Annual Percentage Rate. Rates are quoted “as low as” and are subject to credit approval. ◊◊ Primary Financial Institution Relationship. Members having a checking account and Direct Deposit at The White House FCU may be eligible for reduced rates on selected loans.
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