Mortgage Rates are Low! by ecg16223


									                 Team  February 2009      

              the CEO
A Letter from
Dear Members                                                   ticed more
I was at the gr   ocery store the
                                       other day and no
                                                      seen in recent
                                 upons than I’ve
shoppe    rs were using co
                                     ed, saving mon
                                                          ey seems to be                      are
 years. I sh ouldn’t be surpris
 the new buzzword
                          and I think it’s gr
                                                              ers cutting
                                        ith many consum
 Small saving    s can add up. W                                retailers                      Looking for ways to save
                                            erything, many
                      ng on almost ev                                   s and                  money every month? Then
  back on spendi                                   s, discounts, sale
                       are    offering coupon                                is                why not give us a call to see
  and restaurants                                          ay newspaper
                                     omers. The Sund
  2-for-1 offe rs to entice cust                                     internet                   if we can help you lower
                                                  at you get. The
                            l the coupons th
  wel  l worth $2 for al                      table coup   ons, too. These                      the payment on your single
                       e offers and prin                     but only if you                     biggest expense each
   has lots of onlin                    deal of money,
   offers can   save you a good                                     make                         month—your mortgage.
                                              yway. Be sure to
                       the purchase an
   were planning                                        rchase.                                  With mortgage rates lower
                                 fore making a pu
   inform  ed decisions be                                                                       than they have been in
                                                                    you save
                                                of ways to help
                         e also have lots                                                        decades, now is the time to
    At Team One, w                                         easing, many
                                     tgage rates decr
    money.    In fact, with mor                                   ey by                           refinance to a Team One
                                           save a lot of mon
    members ha       ve been able to                                                              Mortgage and SAVE! We
                         r current mortgag                                                         offer terms from 5 to 30
    refinancing thei                                            is important to
                                           tion is unique, it                                      years, low closing costs
     As everyone     ’s financial situa                                 ing
                                                     n turn to regard                              and a quick approval
                           ns  and who you ca                               that
     know your optio                                     Team One hope
                          t your  finances. We at                                                  process. You can even
     questions abou                          st in Team One
                                                                 for your                           apply online.
     you’ll contin   ue to put your tru
      financial needs.                                                                              Don’t delay, call
                                                                                                    989.754.6575, stop in or
                                                                                                    visit for
                                                                                                    more information and
                                                                                                     for our current rates.

        Konnie Werner                t Union
                       Team One Credi

                                                 y Fit in 2009
                                   Get Financiall e also have a series of FREE informational pampand

                                            ancially in 2009,
                                                                 we   W                                        nal finance
                      for a fresh start fin                                              manage your perso
 If you are looking                                    ral options    to help you better                        n. Simply visit
                     started. Team One
                                            has seve                                      financial informatio
 can help you get                                                     to safeguard your                       ts that you would
                                   e, consolidating de
                                                           bt,                           select the pamphle
  for refinancing yo
                      ur mortgag                              to
                                            ising yo  ur credit                            them out to you.
                      nthly payments, ra                               like and we’ll mail
  lowering your mo                                         ve us a
                        a saving  plan and more. Gi                                              oviding you with the
                                                                                                                        tools you
   score, establishing                       ’ll send  you a            We  are dedicated to pr
                       754.6575 and we                                                      ur financial goals
   call today at 989.                                    Member         need to achieve yo
                       et to comp lete. Return it to a
    financial workshe                          determi  ne the          in 2009—just ask!
                        and we’ll help you
    Service Specialist
                         ns that be st fit your needs.
     consolidation optio
                                                         Banking...Only Better!
                                                              Great Auto Rates Plus $50!
                                                              Finance or refinance your Auto Loan at Team One
                                                              and not only will you get a great rate as low as
                                                              5.49% APR*, we’ll also give you a $50 gift card**
                                                              with your auto loan of $5,000 or more. Plus, when
                                                              you take advantage of exclusive credit union
                                                              member discounts currently being offered by
                                                              General Motors and Chrysler, you might be able to
                                                              drive away in a new car for less than you think.
                                                              Get prequalified here first and then tell your dealer
                                                              that you want to finance with Team One!
                                                              * Rate based on credit history. Other rates and terms available.
                                                                To determine your rate, please contact Team One. Rates are subject
                                                                to change.

                                                              **$50 gift card offer valid for new or used auto loans of $5,000 or more.
                                                                Current Team One auto loans are not eligible.

Free Online Tax                                                     McDonald & Associates, P .C.
Preparation Software                                                Offers 15% Discount on Tax
Available                                                           Preparation Services
Team One is currently offering FREE tax                                                         .C.
                                                                    McDonald & Associates, P offers tax
preparation software through our                                    preparation services for individuals and
website at that                                                                           .C.
                                                                    businesses. McDonald & Associates, P is a
will enable individuals and families to                             licensed, professional tax preparation service
complete and electronically file their                              with five locations to serve you. Their professional
state and federal income taxes.                                     tax preparers are continually updated on new
Beginning this year, this software is                               tax laws and incentives, ensuring that you get
available to credit union members                                             your maximum tax benefit. To receive an
regardless of income* through                                                    exclusive 15% Team One member
“Just file it! We’ll help” — I Can                                                  discount, please call 989.790.1600
 E-file”.                                                                            or the location nearest you for an
The program is especially
helpful for individuals and                                                          If you prefer to do your own
families who qualify for credits                                                     taxes, McDonald & Associates,
such as the Earned Income Tax                                                       P.C. offers a web based
Credit. The federal EITC benefits                                                  program with e-filing
alone can be as great as $4,824 for                                             capabilities comparable to
families with two or more children, and                                      TurboTax. For more information
can increase when paired with state                                 including pricing, please click on the McDonald
tax credits.                                                                       .C.
                                                                    & Associates, P banner on our homepage.
For more information or to determine
if you are able to use the FREE tax
preparation software, please visit                                  Important Income Tax Check and click on the
“Just File It” tab on the homepage.                                 Information
* Those not able to file through “Just File It” include             A 10 business day hold will be placed on all
  business owners, church employees or members of the
  clergy, those who have sold real estate in the past year,
                                                                    income tax loan checks. Also, if your income
  employees who have a non-US address (or whose                     tax refund check is made out to two people,
  employer does). Individuals with disabilities or in
  the Military may be eligible for tax credits not                  we need to have both signatures and driver’s
  included in the program. The software does allow                  licenses or state ID’s to cash the check. Thank
  for Schedule A – Itemized Deductions, Schedule B –
  Capital Gains and Losses, Schedule C – Profit and Loss            you for your cooperation.
  from Business (Profit only, 1099-MISC box 7 only).
Skip-A-Payment in February                                                                 Contact Numbers
If you would like to skip* your February loan payment for                                  Saginaw – Main Office
some extra cash this month, stop by any branch location                                    520 Hayden Street, PO Box 1260
                                                                                           Saginaw, MI 48606
or call 989.754.6575.                                                                      989.754.6575
* Finance charges continue to accrue during the skipped payment period.                    Bad Axe
  Qualifying loans to be skipped must be current. Please note that First Mortgages,        499 Brick Street, PO Box 146
  Second Mortgages, Home Equity Loans, Mistledough, Credit Cards and any                   Bad Axe, MI 48413
  loans disbursed after November 1, 2008 are not eligible for this offer. A $20
  processing fee will be assessed for each postponed loan. Each loan may only be
  postponed once during a calendar year.                                                   Bay City (in Wal-Mart)
                                                                                           3921 E. Wilder Road, PO Box 387
                                                                                           Bay City, MI 48706
Annual Meeting                                                                             989.671.0077
The 2008 Annual Meeting will be held Wednesday,                                            1230 Cleaver Road, PO Box 64
March 25 at 6:00 p.m. at our Saginaw Township office. All                                  Caro, MI 48723
members are welcome to attend and should RSVP with the
                                                                                           Clio (in Wal-Mart)
Marketing Department at 989.754.6575 by Friday, March 20.                                  11493 Linden Road, PO Box 556
                                                                                           Clio, MI 48420
Safe Deposit Box Fee                                                                       Grand Blanc (in Wal-Mart)
If you have a Safe Deposit Box, the fee will be automatically                              6170 S. Saginaw Street, PO Box 212
                                                                                           Grand Blanc, MI 48439
deducted from your account on February 15. Please be                                       810.694.4347
sure that the funds are available. Thank You!                                              Saginaw Township
                                                                                           4075 McCarty Road
                                                                                           Saginaw, MI 48603
Use Direct Deposit for Your Federal                                                        989.799.9326

Benefit Check                                                                              Sandusky
                                                                                           625 S. Sandusky Road, PO Box 328
                                                                                           Sandusky, MI 48471
February is Go Direct Month, and Team One Credit Union
is joining the U.S. Department of the Treasury’s campaign
                                                                                           Thomas Township
to encourage those who receive federal benefit checks to                                   8450 Gratiot Road
sign up for direct deposit. With Direct Deposit, your                                      Saginaw, MI 48609
Social Security, Supplemental Security Income (SSI), or
                                                                                           Speedy – 24 Hr. Telephone Teller
VA Compensation and Pension check is automatically                                         800.968.7739   989.754.9699
deposited into your account on payday, even if you are                                     Toll Free
sick or on vacation and can’t make it to the Credit Union                                  888.288.3261
to physically deposit your check.                                                          Lost or Stolen Credit Card
By signing up for direct deposit, you can safeguard your                                   Lost or Stolen Visa Check Card
federal benefit payments because direct deposit                                            800.500.1044
eliminates the risk of lost or stolen checks and helps
guard against identity theft. Plus, money in your Team                           
One account is NCUA-insured, so you can rest assured
your money is secure.                                                                  We do business in accordance with
                                                                                       the Federal Fair Housing Law and
                                                                                        the Equal Credit Opportunity Act.

Plus, it’s free, quick and easy. If you receive Social
Security, Supplemental Security Income (SSI), or VA                                   ADMINISTRATORS
Compensation and Pension payments by check, you                                       Konnie M. Werner . . . . . . . . . . .President/CEO
can call the Go Direct helpline at 800.333.1795, visit                                Gerald Hutto . . . . . . . . . . . . . . .Executive VP or stop in to any Team One branch                                    BOARD OF DIRECTORS
to get signed up.                                                                     Patrick O’Toole . . . . . . . . . . . . . .Chairman
                                                                                      Jim Flannery . . . . . . . . . . . . . . .Vice Chairman
                                                                                      Rebecca Sanchez . . . . . . . . . . .Secretary
                                                                                      Jan Tolley . . . . . . . . . . . . . . . . . .Treasurer
Jazz and Blues Series Sponsorship                                                     Ernest Burnell . . . . . . . . . . . . . . .Director
                                                                                      Lynne Staples . . . . . . . . . . . . . .Director
We are a proud sponsor of the Jazz and Blues 2009 series                              John McIntyre . . . . . . . . . . . . . .Director
at the State Theatre in Bay City. Mr. B and the Bird of                               Tim Fritz . . . . . . . . . . . . . . . . . . . .Director
                                                                                      Dick Powell . . . . . . . . . . . . . . . . .Director
Paradise Orchestra perform on February 7, followed by
Marcia Allen and Johnny Trudell’s Big Band on                                         CREDIT COMMITTEE
March 21. The final concert of the series is 5 Guys Named                             DJ (Bud) Clement . . . . . . . . . . .Chairman
                                                                                      Roger Little . . . . . . . . . . . . . . . . .Member
Moe on April 4. All shows begin at 7:30 p.m. For ticket                               Eugene Graczyk . . . . . . . . . . . .Member
information, please call the State Theatre at 989.892.2660.                           Pat O’Brien . . . . . . . . . . . . . . . . .Alternate
                                                                                      Ronald Frierson . . . . . . . . . . . . .Alternate
 SAVINGS PROGRAMS                                              APY
 Savings & Club Accounts
 Balances of $0 -$2,000. . . . . . . . . . . . . . . . . . . .0.25%
                                                                            Surpasses Goal, Receives Award!
 Balances of $2,000.01-$9,999 . . . . . . . . . . . . .0.40%                At the beginning of 2008, the Team One Community
 Balances of $10,000-over . . . . . . . . . . . . . . . .0.60%              Impact Team set an ambitious goal of volunteering
 "Your Savings" Account as high as . . . . . . . . . .0.60%                 1,000 hours of service during the year to our
 High Interest Account (IRA) as high as . . . . . .2.00%                    communities. We are proud to announce that we
                                                                            surpassed our goal with a total of 1,193 hours of
                                                                            service to our communities!
 Balances of $1,000.01-$5,000 . . . . . . . . . . . . .0.25%
 Balances of $5,000.01-$10,000 . . . . . . . . . . . .0.40%                 Throughout 2008, team members helped at
 Balances of $10,000.01-over . . . . . . . . . . . . . .0.60%               organizations including Big Brothers/Big Sisters, the
 For current rates on Certificates of Deposit and                           American Cancer Society, the MS Society, Eva’s
 Money Market Accounts please call or visit                                 Place, Habitat for Humanity, Saginaw County Truancy                                                             Program, READ Association, PRIDE in Saginaw, the
                                                                            Humane Society, Salvation Army and Adopt-A-Highway.
 LOAN PROGRAMS                                               APR
                                                         As Low As          In all, over 75 charities, schools, museums, senior
 Auto/Truck Loans
 09-06 New Models . . . . . . . . . . . . . . . . . . . . . .5.49%*
                                                                            centers, parades and organizations benefited.
 05-02 Models . . . . . . . . . . . . . . . . . . . . . . . . . . .6.49%*   The Community Impact Team was recently
 01-Older Models . . . . . . . . . . . . . . . . . . . . . . .6.99%*        recognized for its community service by the Michigan
 Real Estate                                                                Credit Union League and was presented with the
 For current home loan rates, visit us at
                                                                            Dora Maxwell Social Responsibility Recognition
                                                                            Award for social responsibility work and charitable
 Credit Card
                                                                            projects in support of our community. Our team of
 Visa Platinum as low as . . . . . . . . . . . . . . . . . . .9.90%*
                                                                            dedicated volunteers is looking forward to continuing
 APR = Annual Percentage Rates
                                                                            to serve its communities in 2009 through volunteerism.
 * Rate listed represents our best rate and is subject to credit
    approval. To determine the rate that you qualify for, please call or
    visit the branch office nearest you. All rates are subject to change.
    Please contact Team One for current rates.
                                                                            Protect What’s Most Important to You
 For a complete listing of our rates,                                       A Free Seminar for Members with Children
 visit us online at
                                                                            If something were to happen to you, would you want
                                                                            the state to decide what’s best for your children? If you
                                                                            don’t have legal documentation stating your wishes,
                                                                            that’s exactly what could happen.
                                                                            Did you know that if you don’t have an estate plan,
Merchant Card Services                                                      your beneficiaries could lose as much as 55% of your
Available to Small                                                          personal assets including any life insurance policies or
                                                                            personal property to the government in estate taxes?
                                                                            Learn how to protect your family and your assets at
In these tough economic times, many
                                                                            our upcoming Life Stages seminar presented by
businesses are looking for ways to
                                                                            Shinners & Cook, P This FREE seminar covers
increase their cash flow. One option to
                                                                            important information for families including wills, trusts,
consider is merchant card processing. You
                                                                            parental power of attorney and much more. It will be
don’t have to be a retail store to accept
                                                                            held on Wednesday, March 11 at 6:30 p.m. at our
credit cards from your customers. We can
                                                                            Thomas Township branch, 8450 McCarty Road,
help your small business get set up to
accept credit card payments through our
merchant card service. So, instead of                                       To register, please call the Marketing Department at
invoicing your customer and waiting 30 to                                   989.754.6575 by Friday, March 6.
60 days or more to collect payment, you
                                                                            Stay tuned for additional Life Stages seminars presented by
can get paid in two or three days by
                                                                            Shinners & Cook, P.C. in the coming months. Shinners &
accepting credit card payments. Just think
                                                                            Cook, P.C., established in 1975, provides a full range of
of the time and money you could save by
                                                                            legal services. For more information, call 989-799-5000.
getting paid in just days instead of a
month or two. For more information about                                    Important Notice For Benefits Plus Members:
our credit card processing services for                                     Please note, when you purchase gift cards or other
small businesses or any of our business                                     services through Benefits Plus, the charge may show
services, please call 989.754.6575.                                         up as Generations Gold in Florida which is the
                                                                            parent company of Benefits Plus.

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