VIEWS: 6 PAGES: 2 CATEGORY: Business POSTED ON: 9/17/2010
Debt Consolidation Bad Credit Maine document sample
Debt Consolidation Bad Credit Maine document sample
ur Volume 10, Issue 2 Yo Community Connection April, May, June NEWSLETTER FOR MEMBERS OF COMMUNITY CREDIT UNION Youth Week: April 23 – April 28 Saving can be fun and we at Community Credit Union want to show your kids just how much fun it can be. Join us for Youth Week, April 23rd -28th, and we’ll help your child or teen “Stash Their Cash with Community Credit Union”. LOCATIONS 144 Pine Street Stop in anytime during the month of April and get your child’s Lewiston, Maine 04240 coloring page for our coloring contest. Pages are due by April 28th and will be judged in 3 different age groups: (0-5 years, 6-9 years 40 Stanley Street Auburn, Maine 04210 and 9-12 years). The winner of each group will get $15 deposited into their Monty Moose Account. Tel. # (207) 783-2096 Fax # (207) 783-2093 Plus, if your child makes a deposit or opens a Monty Moose Account, their name will get put into our daily drawings: OFFICE HOURS Monday, April 23rd: Ice Cream Gift Certificate DRIVE-UP Tuesday, April 24th: McDonald’s Gift Certificate Monday – Saturday Wednesday, April 25th: RollerDrome Gift Certificate 7:30 AM to Closing Thursday, April 26th: Mini Golf Gift Certificate LOBBY Friday, April 27th: 2 Cinema Tickets Saturday, April 28th: 4 Tickets to Portland Sea Dogs Monday – Friday 9:00 AM to 5:00 PM After making their deposit or opening an account, they will also receive an entry form to guess how many (Auburn location open to pennies are in the jar. The person who guesses the closest will get $50 deposited into their account. 6:00 PM Fridays) Teens will also love Youth Week because we have an I-Pod to give away! Any teen who makes a minimum Saturday 9:00 AM to Noon deposit of $25 or open a Teens Love Cash Account will get put into our drawing for a FREE I-Pod. (Lewiston location only) Saving can be fun. So join us for Youth Week and let us show them just how much fun it can be. * Some restrictions apply. WEB SITE www.communitycreditunion.com HOLIDAY CLOSINGS Take Us With You If You Leave Memorial Day If you leave your job for any reason, remember to take your credit union with you. Monday, May 28 Even if you leave your company, change positions or locations, or stop working for your company for whatever reason – such as early retirement – you’ll always be a member of your credit union as long as you keep your account open. There’s no need to close your account. We appreciate your support and can continue to serve your financial needs in a number of ways no matter where you’re located. • Telephone – call during our business hours to make the transactions you’d like. Or use our 24-hour telephone access line to set your transaction requests in the works. • Fax – fax us instructions, queries, requests or whatever it is you need to do with your accounts. Serving persons residing, • Postal Mail – use the regular postal service to mail in deposits or make check or transfer requests, or any employed or attending school other business you would like us to handle for you. within Androscoggin County, • E-Mail – we’re always available through e-mail, if that’s more convenient. including members of • On-Line – visit our website at www.communitycreditunion.com and use Home Banking to access your their immediate family accounts from any PC with Internet connection. So, if you should be leaving the company, please write, call or stop by to let us know the change in your Rates are subject to status. We’d like to help you get where you’re going – not get left behind. change without notice 2 Products & Services Services Community Credit Union has a New Look Savings Accounts This will be the new look of your Community Credit Union Debit IRA Certificates card effective immediately, when your card expires, you will receive a new card in the mail that looks like this. It will clearly state if it’s a Certificates Visa Debit card, a Health Savings Account or another account. Special Investments IRAs (Individual Retirement Accounts) Having Trouble Getting Your Kids Interested In Saving? Club Accounts Here’s an easy way to convince your children of the value of saving: visit the 5-Spot Clubhouse at Checking Accounts www.communitycreditunion.com, Googolplex, Community Credit Union’s guide for student moneymakers. Payroll Deduction Show your kids the treasure chest, click on it and let them discover the wealth of stories about money. Try Earn Direct Deposit More Money and Earn Even More Money to teach them about interest earnings. Use the Googolplex Savings Visa® Check Cards Calculator to show them how long it will take them to reach a specific goal through saving. CU24SMATM Cards Inspire them with Ryan’s Sno-Kones, a true story about an 11-year-old boy who runs his own business. Teach (Automated Teller Machine) them to save with Saving is as Easy as 1, 2, 3. L.A. Connection Encourage them to come back often—there’s a wealth of information and fun in Googolplex, with new stories (Audio Response) and games every month. There’s Googolplex for all school ages: Elementary, Middle School and High School. Personal Loans Simply go to www.communitycreditunion.com, scroll down to the bottom and click on the Googolplex logo Secured Loans (next to the Equal Housing Lender logo). Visa Credit Cards First Mortgages Home Equity Loans Student/Education Hammer Away at Home Improvement Projects and Trust Us with a Home Equity Loan Loans Remember homeowners may be often confused where the best deal on a home equity loan can be found. While CCU’s Home Branch many are aware that we offer equity loans, they might borrow from another source because the terms look great (Home Banking) and they don’t want to miss an “opportunity.” CUe-Statements We cannot caution members enough about the growing possibility of home equity scams that are now plaguing the lending industry. CREDIT UNIONS take extra steps to make sure that mistakes are not made, and that Money Market everyone who qualifies for a loan gets the right one. While home equity loans and lines of credit can help improve your finances, bad one’s can easily lead to foreclosure. Remember, with any equity loan, you are Other Services Services putting your home on the line. Money Orders The following is a run down of possible home equity scams you may fall prey to. Insurance Available U.S. Savings Bonds Some lenders make loans that they know borrowers can’t repay. They do so in order to foreclose on the homes and sell them, stripping away the home equity for their own profit. Frequently home equity loans are pitched as Notary Public Service a debt consolidation or home improvement tool. Traveler’s Cheques To make matters worse, these lenders sometimes will go farther by agreeing to refinance the mortgage rather Wire Transfers than foreclose, but tacking on exorbitant fees onto a new mortgage and increase the homeowner’s debt in the Food Coupon Deposits process. Federal Tax Deposits Unscrupulous lenders will also charge high points and settlement costs, often adding fees for unnecessary life For Businesses insurance and other “required” services onto the new mortgage. Oftentimes these policies are designed never to pay out no matter what the circumstances. *Insurance products that may be sold or made available are not Community Credit Union Protects You deposits or obligations of the Credit Union and are not Our Credit Union provides services in your best interest and would never apply deceptive practices. When you protected by the National Credit come to us for a loan, we review your finances honestly to determine your limit, and would never lend to you Union Administration and are not beyond your means to repay. You can trust us to serve you for your own good. guaranteed by the Credit Union. Community Credit Union will soon be buzzing As you’re itching to get out into the beautiful Maine weather, Community Credit Union is buzzing with ideas on how we can help you do that. Have you been eyeing that new car, ATV, motorcycle, dirt bike, boat or watercraft? Then buzz on into Community Credit Union. We’ll help you determine how much you can afford and then pre- approve you so you can go shopping. Or, visit us to see if we can lower your current interest rate.
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