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Equity Line of Credit Home Loan Florida Loans Low Mortgage

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Equity Line of Credit Home Loan Florida Loans Low Mortgage Powered By Docstoc
					              O C T O B E R              2 0 0 7     Home Sweet Loan! Now is a great time to use the                      www.InsightAccounts.com and apply now. It’s that
                                                     equity in your home to remodel, travel, send                                   easy! If you have an existing Home
                                                     the kids to college or consolidate your                                             Equity Loan or Home Equity Line
                                                     debt. Let Insight Financial make                                                        of Credit with us and would like

  ATa                                                the good life even sweeter with a
                                                     fixed rate Home Equity Loan
                                                                                                     Fixed                                      to apply for a higher limit,
                                                                                                                                                  Insight Financial will pay

 GLANCE                                              or a low rate Home Equity
                                                     Line of Credit.
                                                                                                  Rate Home                                         your closing costs too.
                                                                                                                                                     Simply re-qualify and
           BRANCHES CLOSED                                  Take advantage of our
                                                     Home Equity Loan that
                                                                                                Equity Loans as                                      open a new loan with an
                                                                                                                                                     additional $10,000 added
             Monday, October 9
       in Observance of Columbus Day                 offers anywhere from $5,000
                                                     to $200,000 in cash,
                                                                                                Low as 5.99%!                                        on to your existing loan
                                                                                                                                                     balance and you too can
            INSIGHT ON TOUR!                         depending upon the amount                                                                      take advantage of our great
      Saturday, October 6: Noon - 7 p.m.             of equity you have available in               Plus, we’ll pay your                            low rates, and we’ll pay
                   Florida Mall                      your home, at a fixed rate as low                                                           your closing costs up to $250.
     Saturday, October 20: Noon - 7 p.m.             as 5.99%! Looking for something
                                                                                                      closing costs!                                 Get together with your
            Seminole Towne Center                    a little more flexible? Then a Home                                                   Insight Financial Money Coach
     Saturday, October 27: Noon - 7 p.m.
                                                     Equity Line of Credit is the right choice                                         now and decide which offer is the
               Lake Square Mall
                                                     for you. With an available credit line of $10,000 up                    best fit for you. Visit our online Mortgage
   Stop by to see your Money Coach live on
                                                     to $200,000 at a current rate of PRIME + 0%,                         Center at www.InsightAccounts.com or speak with
stage! Bring a friend or family member to open
                                                     could it get any sweeter? We’ll even pay your                        one of our Mortgage Specialists at 407.426.6040
 an account and you’ll both receive a free gift.
                                                     closing costs, up to $250, on loans originated                       or toll-free 888.843.8328 ext. 16040 and apply for
        CRUISE FOR A CAUSE                           through November 30.*                                                your Home Equity Loan or Home Equity Line of
      MOTORCYCLE POKER RUN                                  Visit our online Mortgage Center at                           Credit today.
  To benefit the Coalition for the Homeless
                                                    *Insight Financial will pay closing costs, up to $250, per loan on Home Equity Loans and Home Equity Lines of Credit originated from
             Saturday, October 13                   September 1, 2007 through November 30, 2007. On Home Equity Loans, member must maintain the loan for a minimum of one year
  Join us for lunch at the final destination in     or be required to repay closing costs to the credit union. On Home Equity Lines of Credit, member must fund/advance a minimum of
                                                    $10,000 at closing, and cannot pay the balance down below $5,000 during the first 12 months, or closing costs will be added back to
         Maitland from Noon - 2 p.m!                the loan. Existing Insight Financial Home Equity Loan and Home Equity Line of Credit borrowers will be required to re-qualify and open
                                                    a new loan with an additional $10,000 added on to their existing loan balance, and they must meet the minimum draw/outstanding
        INTERNATIONAL CREDIT                        balance criteria of the promotion if they wish to participate. Borrower pays all appraisal and title insurance costs, if any. Eligible
             UNION DAY                              collateral types include primary and second/vacation homes.
                                                    Rate is based on the combined loan-to-value (CLTV), loan repayment term and other factors. Call 407.426.6000 or toll-free
             Thursday, October 18                   888.843.8328 for most recent rates. Credit approval and sufficient equity required. Other restrictions may apply. Offer ends
                                                    November 30, 2007.


     Mission Excellence Award
                                                                      Business Checking with No Monthly Fee
                                                    Have you heard? Insight Financial offers business checking accounts with NO monthly fee!
                                                    Enjoy the convenience of having your personal and business accounts all at one financial
                                                    institution with NO monthly fees.

                                                          Insight Financial’s business checking accounts include:
                                                            • NO monthly service charge
                                                            • NO minimum balance requirement
                   Jackie Rowe
                 Report Specialist                          • Same day credit for deposits and loan payments
    Insight Financial is proud to announce that             • FREE business Smart Check debit card for accounts that qualify
    Jackie Rowe, Report Specialist, has been                • Visa Extras Reward Points on qualifying purchases made with your business debit card
    presented with Insight Financial’s Mission
    Excellence Award.          This award is                • FREE online banking
    presented quarterly, and it honors
    employees who demonstrate exceptional                   • FREE Bill Payer when you sign up for FREE eStatements
    performance that contributes to the
    accomplishment of Insight Financial’s                Not only does Insight Financial offer this great business account to our business members
    mission        and      exemplifies      our
    organizational values.                          but we also offer business loans, such as a Visa Platinum credit card for Business with a great low
    Jackie joined the Insight Financial team in
                                                    rate and a rewards program. We also offer fixed or variable rate Lines of Credit, Installment
    November 1999 as a Teller. In May 2005,         Credit, and Commercial Mortgages.
    Jackie settled in to her current position in         So what are you waiting for? Put your business in good company – open an Insight
    the Collections Department. Jackie was          Financial Business Checking Account today. For more information, call our Business Services
    nominated by her peers for this award for
    her commitment to taking care of                Manager at 407.659.2730.
    members even in the most difficult or
    sensitive situations. Congratulations Jackie!
                       Great Cars. Great Kids. For a Great Cause.




Insight Financial Credit Union and Enterprise Car Sales are teaming up to bring you a great selection of vehicles at
loan rates as low as 6.19% APR – to help hospitals help kids!
     During the month of October when you purchase a vehicle from Enterprise Car Sales with an auto loan from
Insight Financial we will donate $100 to Children’s Miracle Network. Plus, you’ll receive a $100 fuel card* from
Enterprise and 90-days deferred payments from Insight Financial.
     Enterprise Car Sales makes car buying easy. They offer a great selection of late-model cars, trucks, vans, and
SUVs – all of which come with the comfort and convenience of their Perfect Used Car Package. It’s their commitment
to Haggle-Free Buying and Worry-Free Ownership. Shop online for your vehicle at www.cuautodeals.com or visit any
Enterprise Car Sales location including:
                         West Orlando                                    East Orlando                                 Melbourne
                    3801 N. John Young Pkwy                           5505 E. Colonial Dr.                      1209 N. Harbor City Blvd
                          866.855.1642                                   866.853.1475                                866.851.5157
    You’ll get a great vehicle at a great value, and you’ll also help raise money for the pediatric programs at Arnold
Palmer Hospital for Children & Women and Shands Children’s Hospital at the University of Florida through the
Greater Orlando Children’s Miracle Network.
    Call Insight Financial at 407.426.6000 or toll-free 888.843.8328 to get pre-approved for your auto loan today!

*Special offer does not apply to refinancing existing Insight Financial auto loans. Regular credit criteria applies. Lowest rate shown applies to members who qualify with
Ultimate relationship pricing. Your actual rate will be customized based on your credit characteristics. Interest accrues from the date of contract. Rates subject to
change without notice. Enterprise Car Sales will donate $100 on behalf of Insight Financial for every car sold during the 1-month auto sales event. $100 fuel card will
be sent to the member’s home within 30 business days of purchase. Offer void when 7-day Repurchase Agreement is activated. No cash advances. Cannot be
combined with any other offers. Not valid on previous purchases. Offer valid only on Enterprise Car Sales vehicles. Contact an Enterprise Area Manager for details on
this auto sales event. Offer is valid October 1 – 31, 2007.




                                                                                                     Cruise for a Cause
                                                                                                                  Join the Insight Financial team as
                                                                                                                  we Cruise for a Cause on Saturday,
                                                                                                                  October 13 to benefit the
                                                                                                                  Coalition for the Homeless of
                                                                                                                  Central Florida. You don’t have
                                                                                                                  to be a biker to participate in this
                                                                                                                  event.     We invite everyone,
                                                                                      including Corvette clubs, antique car clubs and motorcycle
                                                                                      clubs to join in our poker run for a good cause.
                                                                                            A $20 donation is all it takes to register your bike or
                                                                                      car, which includes: 1 door prize ticket, 1 poker hand and
                                                                                      lunch. Extra poker hands are available for $5 each.
                                                                                      Registration forms, maps and details can be found at
                                                                                      www.InsightRide.dojiggy.com. Registration forms are also
                                                                                      available at any of our ten branches.
                                                                                            It’s a shotgun start, so you can stop at any branch to
                                                                                      begin your ride, then stop at two other Insight Financial
                                                                                      branches and end your ride at the Maitland location at 480
                                                                                      S. Keller Rd. in Orlando. The ride begins at 9:30 a.m. and
                                                                                      we’ll be looking for the last bike to come in by 1:00 p.m.
                                                                                      Lunch will be served and door prizes will be given away.
                                                                                      The player with the best poker hand wins a cash prize! So
                                                                                      stop by the Final Destination to enjoy the fun!
                                                                                            For more information about how you can get
                                                                                      involved, contact Debbie Cotton at 407.659.2768 or email
                                                                                      dcotton@insightfinancialcu.com. To learn more about the
                                                                                      many services the Coalition for the Homeless provides,
                                                                                      visit www.centralfloridahomeless.org.
          Now is Your Time to Ride - for 1% Less!
To celebrate Insight Financial’s Cruise for a Cause to benefit the Coalition for the
Homeless of Central Florida, we have dropped our already low motorcycle rates by 1%!
From now until the end of October, you can hop on a brand new Harley-Davidson or
cruise around on the bike of your dreams for a loan rate as low as 6.19% APR! Plus,
you may be eligible to receive 90-days deferred payments.
      Already participating in Insight Financial’s Cruise for a Cause motorcycle poker
run on your very own motorcycle? Make sure you’re not paying too much for it. Now                                        PRESIDENT ’S
is a great time to refinance your motorcycle loan to take advantage of Insight
Financial’s low loan rates and get in on the 90-days deferred payment special! Call
407.426.6000 or toll-free 888.843.8328 to get pre-approved or to transfer your loan
                                                                                                                          POINT
                                                                                                                                   Lynn W.Owen III
to Insight Financial.                                                                                                                         President/CEO

                                                                                                     The weather is cooling off and it’s time for Fall
Harley-Davidson loans and motorcycle loans are available for repayment terms up to 72 months. Longer repayment
                                                                                              Festivals and other neighborhood events. At Insight
terms may be available based on other factors. A higher APR may apply for repayment terms greater than 72 months.
                                                                                             Financial, we’re looking forward to an exciting October
Special offer does not apply to existing Insight Financial Harley-Davidson loans or other Insight Financial motorcycle
loans. Offer ends October 31, 2007.                                                          full of community outreach and charitable giving, too.
                                                                                                    This summer, Insight Financial was recognized as
                                                                                            the first company to receive the Corporate Champion
                                                                                            Award from Seminole Community College (SCC).
                                                                                           Insight Financial has long been an active supporter of
               Coming Soon!                                                                SCC by offering the benefit of credit union membership
                                                                                           to faculty, employees, and students during Club Rush
    New Safety Deposit boxes in Leesburg                                                  on SCC’s campuses. On October 5th, the credit union
                                                                                          was proud to intensify its support of SCC through a one
Insight Financial is dedicated to providing our members with safety and security.         million dollar donation, an investment in the future of our
                                                                                          community. The credit union is committed to giving
We want you to feel comfort and peace of mind knowing your valuable and                   back to support education, which for many starts at
                                                                                          Seminole Community College. “Insight Financial is one
important items are tucked away in a safe place. These valuables, when left at            of those companies that is always willing to participate
home or office, could be misplaced, lost, stolen or destroyed by fire or flood. For       and contribute to life at SCC” said Matthew Hodge,
                                                                                         Executive Director of the SCC Foundation.
your convenience, we are now taking reservations for new safety deposit boxes                     We are also working to share the credit union
                                                                                         difference with your friends and neighbors by reaching
that are being installed at the Leesburg branch.                                         out with “Insight on Tour”, a schedule of mall visits to
     Stop by the Leesburg office in the month of October and reserve your safety         make access to the credit union even more convenient.
                                                                                         Insight Financial will be hosting two interactive shows
deposit box before they’re all gone! Or bring your belongings to one of Insight          every hour from Noon until 7 p.m. at local malls with
                                                                                         Money Coaches on-site to open accounts and answer
Financial’s other locations - Maitland, Lake Mary, Hillcrest, Clermont or Eustis -       questions. We’ll be in your neighborhood on the
that already offer safety deposit boxes. Opening a box only takes a few minutes          following dates:
                                                                                                                 Saturday, October 6
out of your day, which is well worth the peace of mind you will feel knowing that                           Florida Mall in South Orlando
the things that are important to you are protected for a lifetime.                                               Saturday, October 20
                                                                                                         Seminole Towne Center in Sanford
                                                                                                                 Saturday, October 27
                                                                                                            Lake Square Mall in Leesburg
                                                                                                   And be sure to mark your calendar for Insight
                     Home Banking and eAlerts                                               Financial’s inaugural “Cruise for a Cause”, a
                                                                                            motorcycle poker run to benefit the Coalition for the
On October 15, Insight Financial’s home banking site may be down while we bring              Homeless, which will be held Saturday, October 13th.
                                                                                             Even if you don’t ride a motorcycle, you can still get
you new enhancements to the site. With these enhancements you will still be able              involved in this exciting event by stopping by any of
to access your accounts, transfer funds and pay bills online, and you’ll also have             the branches or by joining us for lunch at the Final
                                                                                               Destination at the Maitland branch. Lunch will be
access to the money-saving promotions going on during the month. This upgrade                   served at the Maitland branch from Noon until 2 p.m.
                                                                                                and you can purchase your door prize tickets there –
will also include a menu of new eAlerts!                                                         proceeds benefit a worthy cause and you could win
     Would you like to receive notification when your checking account balance is low            a great prize!
                                                                                                        This is always an exciting time at the credit
or when your loan payment is due? Now you can receive emails notifying you about                  union as we look forward to International Credit
                                                                                                  Union Day, which is held annually on the third
these and many other types of transactions on your Insight Financial accounts                      Thursday in October. We hope you’ll have a
with eAlerts.                                                                                      chance to celebrate the credit union difference
                                                                                                    with us, whether it’s by coming out to one of the
     Each eAlert can be directed to send you an email or text message to your cell phone            mall shows or by participating in the “Cruise for a
                                                                                                    Cause” or by stopping by a branch on
or other mobile device. There is no limit to the number of eAlerts you can set up, and               International Credit Union Day on Thursday,
the service is absolutely FREE! (Standard text messaging charges from your cell phone                 October 18th. You’ll find refreshments and
                                                                                                      gifts in the branches until the last item is given
provider may apply.)                                                                                  away. It’s just our way of saying thanks for
                                                                                                       being part of the credit union difference and for
     To learn more or to set up your eAlerts, log in to online banking and click on the                being a proud member of Insight Financial
“eStatements” button.                                                                                   Credit Union.
                 CHANGE IN TERM NOTICE
          Effective October 16, 2007, sections of our
     Truth in Savings disclosure entitled “Fee Schedule”
                   shall be amended to state:
                                                                                                                                          ATM Cards
              STANDARD FEES                                                          Insight Financial is replacing all ATM cards with Smart Check debit cards in an effort to be
• New Member Fee (One Time) ...........................$10.00                        proactive and prevent fraudulent account activity. All cards will now feature a Card Security
  Includes ATM card for owner & joint
• Minimum Shares Fee (Monthly) ..........................$5.00                       Value (CSV) or Card Verification Value (CVV) code. This code is a unique three digit
  Applies to members over age 22 who have no loans
  (including credit cards) with an accumulative share                                number that offers you an extra level of security when you’re using your card. The code
   balance less than $50 on the last day of the month.                               appears only on the back of the card (not on the receipts or statements), which helps provide
• Checking Fee (Monthly) .......................................$5.00
• Check Orders ...........................................Price Varies               additional validation that the card is in the user’s possession.
  Seniority Status members receive 1 free box
  of standard checks per calendar year.
• Collection Item (Domestic)...................$10.00 + expenses                     All ATM cards will be turned off effective October 9, 2007.
• Collection Item (International) .............$20.00 + expenses
• Deposited Item Charge-Back..........................$10.00
• Verification of Deposit (fax/mail) ......................$10.00
                                                                                          If you only have an ATM card and you have used it within the past year, you will receive
• Verification of Deposit (rush)............................$15.00                   a Smart Check debit card in the mail that will work at ATM machines (not point of sale
• Stop Payment (funds available) ......................$15.00 ea.                    locations). Your ATM card will be turned off effective October 9, 2007.
• Stop Payment (funds unavailable)...................$30.00 ea.                           If you currently have BOTH an ATM card and Smart Check debit card, your ATM card
• Stop Payment Removal..............................$10.00 ea.
• Overdraft Privilege Service Fee* ...............$27.50 ea.                         will be turned off effective October 9, 2007. You will still have complete access at ATM
• Non-Sufficient Funds Fee .........................$27.50 ea.                       machines and point of sale locations using your Smart Check debit card.
• Overdraft Transfer ........................................$3.00 ea.                    If you have any questions or concerns, please call 407.426.6000 or toll-free
• Dormant Account (after 12 months)(per month) .....$5.00
• Closed Account Fee (If account closes within 6 mos)...$25.00                       888.843.8328.
• Foreign ATM Fee (ATM TNX FEE) .............$1.50 ea.
• ATM Inquiry Fee (ATM TNX FEE) ...............$ .50 ea.
• Foreign ATM Inquiry Fee ...........................$1.50 ea.
  (ATM TNX FEE)                                                                                        Overdraft Privilege Limit Increases
• Reconcilement of Statement (Per Hour)...........$20.00
• Research (Per Hour) ............................................$20.00             We know the budget can get a little tight, so Insight Financial is here to help. We are raising
• Copy of a Bill Payer Check .......................$20.00 ea.                       the Overdraft Privilege limit from $400 to $900 for all eligible checking accounts and from
• Bad Address Fee (per month) ................................$5.00                  $900 to $1,500 for all eligible accounts with a recurring monthly direct deposit to take some
• Commercial Money Order..........$15.50 -$52.50 ea.
  (Western Union)                                                                    of the strain off. This limit increase will be effective Tuesday, October 16.
• Wire Transfer (Domestic, Incoming)................$10.00 ea.                            So relax and let Insight Financial save you time and money! Rather than automatically
• Wire Transfer (International, Incoming) ..........$25.00 ea.
• Wire Transfer (Domestic, Outgoing) ...............$20.00 ea.                       returning, unpaid, any insufficient items that you may have, we will consider, without
• Wire Transfer (International, Outgoing)..........$35.00 ea.                        obligation on our part, payment of your reasonable overdrafts. And now with the Overdraft
• ACH One-Time Payment Authorization**.....$5.00                                     Privilege limit increase, we’ll help cover those mistakes in your checkbook or those larger
• ACH Periodic Payment Transfer** ................$15.00
• Remote Funds Fee........................................$5.00 ea.                  unusual or unforeseen expenses.
• Official Check (Non-Member) .................$10.00 ea.                                 For more information on Overdraft Privilege, please call your Money Coach at
• Abused Account Fee.........................................$25.00                  407.426.6000 or toll-free 888.843.8328.
• Garnishment Fee (one time) ...............................$30.00
• Bill Payer Money HQ (Per Mo.) (5 transactions) ...$4.95
  ($1.50 per transaction after 5)                                                    Restrictions apply. See the Overdraft Privilege Policy for more information.
• Money HQ Next Day Transfers .................$8.95
• Gift Card..............................................................$3.00
          MISCELLANEOUS FEES
• ATM Card Reorder................................$5.00 ea.
                                                                                                                                Bill Payer Winner
• Debit Card Reorder ...............................$5.00 ea.                                                        Jeffrey and Kasie McAdams can really attest to the benefits of
• Temporary Checks (Per Sheet) .......................$2.00
• Official Check (Members) .........................$3.00 ea.                                                        using Bill Payer! Jeffrey and Kasie won a $100 Best Buy gift
• Traveler’s Checks                                                                                                  card in the spring Bill Payer sweepstakes.
  Single Signature ............................................Free                                                       If    you’ve    never     used    Bill   Payer,     visit
  Dual Signature (Per $100) .............................$1.00
• Gift Check...............................................$2.50 ea.                                                 www.InsightAccounts.com to view the demo and take a
• Money Order .........................................$2.00 ea.                                                     complimentary look at its features. With Bill Payer, there
• History (Per Mo.) ...........................................$2.00                                                 are no more checks to write, no envelopes to stuff, and no
• Statement Copies (Per Mo.)...........................$3.00
• Photocopy ...............................................$5.00 ea.                 stamps to buy. The Bill Payer calendar makes it easy to schedule payments – and to know
• Check Copy ............................................$3.00 ea.                   when funds will leave your account. And the best part is, Bill Payer is FREE when you sign
• Standard Bill Payer Monthly Fee................$6.50                               up for FREE eStatements.
  (Free with eStatements)
• Phone Transaction Fee (Per Call) .................$2.00                                 If you ever need help using Bill Payer, we’re here to help you anytime. Just call
• Facsimile Service (Per Page) ..........................$5.00                       877.864.5183 for Bill Payer questions or payment inquires and a helpful Member Service
*For overdrafts created by checks, in-person withdrawals,
ATM withdrawals, ACH withdrawals, or any other                                       Representative will be there to answer your call 24-hours a day, 7-days a week.
withdrawal via electronic means.
**For ACH transfers from a Financial Institution other                               Bill Payer is FREE when you sign up for FREE eStatements. Otherwise, the Bill Payer monthly fee is $6.50 or less based on your Member
than Insight Financial.                                                              Vantage relationship. (Ultimate Vantage members receive Bill Payer FREE)
Positive balance required for Member Vantage pricing eligibility.




                                                                                                                             It is the mission of Insight Financial Credit Union to provide
                                                                                                                             exceptional member service and innovative financial products.
                                                                             P.O. Box 4900
                                                                             Orlando, FL 32802-4900


                                      CALL CENTER 407.426.6000 • TOLL-FREE 888.843.8328 • SMARTLINE TOLL-FREE 800.96 FUNDS

                                                                                       www.InsightFinancialCU.com

				
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Description: Equity Line of Credit Home Loan Florida Loans Low Mortgage document sample