News for Dane County Credit Union members
home equity loans
Take on your dream kitchen remodeling project or take a relaxing
spa vacation. Whether you want to do more or do much less, now
is a great time to put your home’s equity to work.
Dane County Credit Union has home equity
loan rates as low at 4.00% APR*.
One of your biggest assets--your home--could qualify you for a
loan or credit line up to 100% of the equity in your home. Under
the current tax laws, deductible interest is scarce. But, with a
home equity loan, much (or all) of your interest may be tax
deductible**, depending on your situation. Home equity loans
can be used for major purchases, home improvement,
debt consolidation, education, or any other need.
Call 608 256-5665 or 800 593-3228 for a customized rate and
*Membership open to everyone living or working in Dane County. Normal account opening and credit granting stan-
dards apply. APR is annual percentage rate. Lowest possible rate is 4.00% APR for a home equity line of credit with a loan
to value of 80% or less. Many other rates and terms are available. Variable rate based on prime rate as stated in The Wall
Street Journal (5.00% APR as of 4/30/08). Your actual rate is based on credit history. $5 savings account required. Rates
subject to change. **Consult your tax advisor for allowable limits.
CREDIT REPORT REVIEW
what’s yours saying?
A good credit score is becoming more and more important. Do
you know what yours is and how to improve or maintain it? Call
to make an appointment at DCCU for a free one-on-one credit
Here’s what you’ll learn: Did you know that your credit score
• Your score and how it’s determined is used to determine apartment
• How to get the best score rental eligibility, loan and mortgage
rates and insurance premiums?
• How to correct errors
• How negative issues affect scores
• Much more!
Jon Lowrey’s Report
We welcome all of you to join your fellow Recently we selected a product to provide
members, DCCU staff, and your board of identity theft protection called FraudProtect.
directors at this year’s annual meeting. As a The initial mailing to announce the product
special celebration for reaching $100,000,000 caused quite a stir. I apologize to members that
in assets, we’re holding the annual meeting were offended by the approach of including
along with a family picnic on June 21 at Elver an $8 check to cover the first month’s cost. I
Park. We are very proud of reaching this can assure all members of two things: This is a
milestone and thank our loyal members for good product for those interested in this type
continued contributions to DCCU’s success. of coverage; and members will not be charged
unless they request coverage.
We are always looking for ways to save
members money, enhance their financial well We continually look for new ways to assist our members in
being, and make life simpler. Did you know improving their financial health. I encourage all members to take
that, in addition to the usual savings and a look at www.dccu.us/accounts-and-services to view some of the
lending services, DCCU also offers many additional benefits of credit union membership with DCCU.
unique products and services such as teen
accounts, safe deposit boxes, Madison Metro Hope to see you at the picnic!
bus passes, internet live chat, and BALANCE
Financial Fitness programs? Visit www.dccu.us
for information on these and many other DCCU
conveniences. Don’t Miss the
economic stimulus promotion
Preview - Friday, June 27, 4pm - 8pm
Sale - Saturday, June 28, 9am - 3 pm
Federal Economic Stimulus Rebate as a down payment 3231 Laura Ln, Middleton
for a vehicle and you’ll get an extra low loan rate of
3.99%APR!* Enjoy haggle free car shopping
and on-site DCCU financing!
with all a AX report
used veh DCCU
www.dccu.us • 608 256-5665
*Membership open to everyone living or working in Dane County. Normal account opening and credit granting standards apply. APR is annual percentage rate. Stated rate is for 2006 and
newer vehicles up to 60 months and includes discounts for automatic payment. Minimum down payment $600. Your actual rate is based on credit history and loan terms. Offer valid only on
auto loans new to DCCU or refinanced from another financial. Minimum loan amount $2,000. At 3.99% APR for 60 months, your payment would be $18.42 per $1,000 borrowed. $5 savings
account required. Hybrid special does not apply. Offer expires July 31, 2008. Rates subject to change. Credit union reserves right to cancel offer at any time. This credit union is federally
insured by the National Credit Union Administration.
CALENDAR CHECK NOTICE
Monday, May 26 - Memorial Day The number format printed on the bottom of your DCCU
All branches closed personal checks has been updated to be more easily read by
new scanners at many merchants. This new format results in
Saturday, June 21 - Annual Meeting fewer rejected checks when funds are available. All new check
Elver Park, Madison orders through Dane County Credit Union will reflect this
change. If you purchase your checks through another
Friday, July 4 - Independence Day vendor, please request a sample check imprint from us with
All branches closed
the new number format prior to placing your next order.
Wednesday, July 16 - Free Credit Seminar
Struck Street branch, 6:00 pm
BOARD OF DIRECTORS
Monday, September 1 - Labor Day election update
All branches closed
Credit union bylaws state that, when there is an equal number
of nominees and vacant positions for the Board of Directors,
CREDIT OR DEBIT? no mail ballot is required for our annual directors’ election. This
year, incumbents Barb Edwards, Joe Guastella, and Michelle
Dunn have been re-elected to three year terms. We commend
Your Dane County Credit Union Visa Check Barb, Joe, and Michelle on their continued dedication and
Card is a debit card – funds are withdrawn commitment to Dane County Credit Union.
from your checking account right away. But,
tell the merchant it’s a credit, not a debit
transaction. This will require your signature
instead of entering your Personal
Identification Number (PIN) to complete
the transaction. $100 Million Celebration & 2008 Annual Meeting
Choose credit and you could:
• earn prizes – Points2U Rewards Visa Check YES! Sign me up for the Celebration & Annual Meeting on June 21, 2008.
Cards earn points for signature based
transactions which can be redeemed for DCCU Member = $5 • Great Dane Savers (members 12 & under) = FREE
many prizes, including airfare. Non-member = $7
Price includes pig roast, refreshments, entertainment and prizes.
• be protected from fraud - With signature
based transactions you’re protected from NAME DCCU ACCOUNT #
unauthorized use of your card.*
Your Visa Check Card is a debit card, but
treat it like credit by signing for your
transactions. It benefits you!
Enclosed please find my check for $
*Cardholder must notify card issuer promptly of any unauthorized use. See Visa
Check Card disclosures for complete details. OR withdraw $ from my DCCU account #
savings/checking (circle one)
2160 Rimrock Road
Signature (required for withdrawal)
Dane County Credit Union
www.dccu.us 2151 Royal Avenue Please return to: DCCU Annual Meeting Reservations, P.O. Box
608 256-5665 • 800 593-3228 709 Struck Street
7994, Madison, WI 53707-7994. Or email the information and
your daytime phone number to email@example.com (for security
This credit union is federally insured by the National Credit
Union Administration. Equal Housing Lender. purposes, please do not include account number in the email)
DeADLINe IS FRIDAY, JUNe 7, 2008.
PERMIT NO 312
• Annual Meeting
• Auto Loan Special
• Credit Review
• Home Equity Loans
• Credit or Debit?
$100 MILLION CELEBRATION
2008 annual meeting
It’s Dane County Credit Union’s grand prize drawing for a weekend
$100 million Celebration! getaway to the Wilderness Resort in
Join us at our 73rd annual meeting as Wisconsin Dells.
we also celebrate a grand milestone of
reaching $100 million in assets. For more information go to
www.dccu.us and search annual AGE June 21 Blvd,
Bring the whole family to celebrate meeting. To sign up, please rday enna
Satu 50 McK
as we thank our members who have complete the registration form , 12 2
Park helter # l
helped us achieve $100 million in assets! on page 3. The cost to E lver S riva ing
A celebration party will be held at Elver attend is $5 for members 1:15 al Meet
Park on Saturday, June 21. You’ll enjoy a and $7 for non-members. Ann
1 :30 - :00 - Eat tivities
catered pig roast and refreshments. We’ll All children age 12 and under who 2 c
id’s a s
also have entertainment for the kids and have a DCCU Great Dane -3 :00 K Drawing
prizes for all, including a account are free. 2:00 - Prize