Your Financial Resource from Midwest Credit Union
Get Some Extra Jingle Get Ready For
With A Holiday Loan! Autumn With
This year, don’t rely on department-store charge cards or
payday loans for your holiday shopping.
Get a holiday loan from Midwest Credit Union, and
borrow up to $1,200 at 8.99% APR.* You’ll have the Rates
loan paid off before the next holiday season arrives. As Low As
This deal is sure to put anyone in the holiday spirit!
*APR=Annual Percentage Rate. Loan availability is based on member credit and other factors. Celebrate the changing seasons by
See the credit union for complete details.
changing your vehicle! Now is the
time to purchase a pre-owned
vehicle or refinance your current one.
Midwest Credit Union is offering
Stuff Your Stocking With Savings! discounted loan rates through
October 16, 2009. See the charts
below to see how low your rate can
Be Prepared Next Year With Our fall!
Christmas Club Account
Model Years 2008-2009
Midwest Credit Union’s Christmas Term APR*
36 months 4.29%
Club Account is an easy,
48 months 4.49%
convenient way to save for the 60 months 4.69%
holidays. This special account 72 months 5.09%
lets you set aside funds all year
long, so you can pay cash for holiday Model Years 2005-2007
purchases. Term APR*
36 months 4.49%
You can choose to have deposits automatically 48 months 4.69%
withdrawn from each paycheck, or you can make 60 months 4.89%
72 months 5.29%
deposits yourself. We don’t require a minimum
balance, and you’ll earn interest on your savings!
Besides low rates, every Midwest
Contact us today to open your Christmas Club Account, and your next holiday Credit Union Auto Loan also comes
season is sure to be merry and bright! with our guarantee:
• No hidden charges
• No prepayment penalties
Christmas Club Funds Distribution Notice • Flexible repayment terms
Christmas Club members who have been saving for the coming holiday season Contact us today to start your
can expect a little extra jingle in their accounts on October 1, 2009. On that day, season off right!
Midwest Credit Union will transfer Christmas Club funds to your savings account – *APR=Annual Percentage Rate. Offer valid through
October 16, 2009. Rates listed are lowest possible rate.
just in time for early holiday shopping! Rate will be determined by member creditworthiness. Current
MCU loans are ineligible. See MCU for complete details.
Online Bill Pay Gets Even MORE Convenient
We’re excited to announce that our online bill pay upgrade has been successfully
completed! To serve you better, this upgrade features an easier-to-use version of
Online Bill Pay with more timesaving details, plus all the features you’ve come to
expect in bill pay. All of your payees have carried over to the new system, as well as
any scheduled payments and up to 18 months of payment history.
If you’re not currently using Online Bill Pay, now is a great time to start! Manage your
money and pay your bills with the click of a mouse! Imagine this – no more stamps,
no last-minute rush to the post office and no more penalties for late payments. Visit
www.midwestcu.org, and click on Online Banking.
If you have any questions regarding the upgrade, please let us know.
Your Money. Your Choice. Your Credit Union.
Join Us October 15 For International Credit Union Day!
Do you remember why you chose Midwest
Credit Union to be your financial services
provider? It may be among many reasons
shared by the 177 million people in 96
countries who have also chosen credit
unions, but it most likely has something
to do with the common philosophy of
people helping people.
Unlike other financial institutions, credit member. Remember, you are in charge of
unions are not-for-profit, democratically- your money and your credit union.
controlled, volunteer-run, member-owned
cooperatives. We exist to serve our mem- We are proud of our heritage as a coopera-
bers, and that level of service has tive financial services provider and our
remained high for nearly 70 years, even connection to the 49,000 credit unions
Go Green With during the toughest times. Instead of issu-
ing stock or paying dividends to outside
worldwide. On October 15, we’ll join credit
unions and their members around the
E-Statements! shareholders, we provide value to our world to celebrate International Credit
members by returning earnings in the Union Day and recognize the benefits
There is no need to wait for your print- form of lower loan rates, higher interest on those institutions bring to their members.
ed account statement to arrive in the deposits and limited transaction fees.
mail. Sign up for e-statements, and Receive a $25 cash reward when people
easily view it by logging in to our This year’s theme celebrates the advan- you refer to the credit union join on
secure Online Banking. tages of credit union membership. Value, International Credit Union Day!*
trust and service are just some of the many
There are other advantages, too: benefits of being a Midwest Credit Union We look forward to seeing you there!
• E-statements can be saved into your
*Member eligibility required. $25 reward offer valid on 10/15/09 only. See credit union for complete details.
computer's memory or printed
• You're notified by e-mail when your
e-statement is available for viewing Change Is Good!
• You help the environment by saving Over the course of the next few Watch this space for more information,
paper months, Midwest Credit Union will be as well as sneak previews of the
preparing for a data processor changes to come!
You must log in to Online Banking conversion in order to provide our
in order to use e-statements. If you members with even better service.
are new to Online Banking, visit
www.midwestcu.org, and click on Member Loan Notice
Online Banking. Please use your
personal e-mail address when you Midwest Credit Union has consistently offered our members low loan rates, and all
complete your enrollment for our loans feature no annual or hidden fees.
e-statements. Once you enroll, we
will notify you by e-mail when your Not all consumers are as fortunate, and Congress recently passed into law a regula-
statement is available. tion intended to protect consumers from the unfair practices of several large credit-
card issuers. The reach of the new law may be broader than originally intended, and
the new regulation will affect all “open-end loans” at all financial institutions. This
Deposit Rates includes loans offered by Midwest Credit Union.
Rates as of September 15, 2009
Savings .15% APY* Additional information regarding the new regulation has been sent to those members
Kirby Club Account .15% APY* who may be affected by the changes. If you have questions or concerns about your loan
Money Market .35% APY* accounts with Midwest Credit Union, please contact us.
Certificate of Deposit
6 Months 1.00% APY* Holiday Closings
12 Months 1.56% APY*
18 Months 1.56% APY* The credit union will close in observance of the following holidays:
24 Months 1.76% APY* Columbus Day Monday, October 12 Christmas Day Friday, December 25
36 Months 2.01% APY* Veterans Day Wednesday, November 11 Christmas Eve Thursday, December 31
*APY=Annual Percentage Yield. All rates are subject to Thanksgiving Thursday, November 26 (Close at 1 p.m.)
change without notice. For the most current rates, please call
(314) 837-2500. Christmas Eve Thursday, December 24 New Year’s Day Friday, January 1
(Close at 1 p.m.)
#11 Flower Valley Shopping Center • Florissant, MO 63033
(314) 837-2500 • Fax (314) 921-6746
Credit Union Hours
Monday, Tuesday, Thursday 9 a.m. – 5 p.m.
Wednesday 10 a.m. – 5 p.m.
Friday 9 a.m. – 6 p.m.
Saturday 9 a.m. - Noon