Team February 2009 teamonecu.org the CEO A Letter from , Mortgage Dear Members ticed more I was at the gr ocery store the other day and no seen in recent Rates 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 eat. ers cutting Low! 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 e. 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 teamonecu.org for more information and for our current rates. Konnie Werner t Union Team One Credi President/CEO, y Fit in 2009 Get Financiall e also have a series of FREE informational pampand s hlets 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 teamonecu.org 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 www.teamonecu.org 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 appointment. 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 teamonecu.org 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 $20 989.269.9557 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 Caro 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 989.673.2042 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 810.686.5063 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 810.648.3900 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 989.781.5044 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 800.325.3678 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 teamonecu.org 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 www.GoDirect.org 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 Rates 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 Checking 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 teamonecu.org. 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 www.teamonecu.org 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 teamonecu.org. 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? Businesses 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 .C. 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 Saginaw. 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.
Pages to are hidden for
"Mortgage Rates are Low!"Please download to view full document