Docstoc

Pa Home Equity Loan Rate

Document Sample
Pa Home Equity Loan Rate Powered By Docstoc
					QNews                       May
                           2009



                        ATM Card
                       Skimming
Our New
Website is live!!!



            Interest Rate update
                                              GENERAL NEWS
                                              Interest Rates Updates
                                              Following the Reserve Bank’s decision to reduce the official
                                              cash rate by 0.25% on the 8th of April 2009. We have adjusted
                                              our Savings, Investment and Loan rates as follows -

                                              Loan Rates
                                              Standard Housing                  6.25%pa               Comparison Rate                   6.30%pa
                                              Friendly Home Loan                5.50%pa               Comparison Rate                   5.66%pa
                                              Home Equity Loan                  6.80%pa               Comparison Rate                   6.85%pa
Message from the CEO,                         Residential Investment            6.25%pa               Comparison Rate                   6.30%pa
Mr Gordon Rutherford

Des Boyland, a Director of some               Savings Accounts
30 years, retired from the Board in
                                              S50 and S60                       3.75%pa               Effective Yield                   3.82%pa
March 2009 to pursue his passion for
conservation. Many changes have               S15                               2.00%pa               $0-$41,000 balances
occurred in the financial landscape                                             3.00%pa               Balances over $41,000
of Australia since Des first joined the
                                              For Term Deposit Rates please visit our website or call us on 07 3114 5000.
Board; we are now recognised as a Bank
under the Banking Act and supervised
                                              *For Housing Loans the comparison rates are calculated on a loan amount of $150,000 over a term of 25
by the Australian Prudential Regulation       years based on monthly repayments. The comparison rates apply only to the examples given and may not
Authority. We know you will want to join      include all fees and charges. Different terms, fees and other amounts might result in different comparison
                                              rates. Comparison rate schedules are available at our branch and on our website at www.qldprofcu.com.au.
with us in wishing Des a long and happy       These rates are for secured loans only and are current as at 24/04/2009.
retirement.

Our new website is now live and we                                                                     Australia’s Biggest Morning
hope it is much more functional and                                                                    Tea is on May 28th. You can
informative. Please don’t forget to
subscribe online to assist us in more
                                                                                                       donate to the Cancer Council
timely and personal communications                                                                     Queensland in our George
with you. We would welcome any                                                                         Street Branch or visit our
comments you may have regarding
improvements etc.                                                                                      website to donate online.
ATM Direct Charging is a fact of life and
introduces a much more transparent era
for ATM fees. Our new website includes
updates and summaries of fees for ATM
                                              Australi a’s Biggest
                                                         ompetition
transactions.

We have recently merged our operations
to the First Floor on 85 George Street. All
                                               Holiday C
telephone numbers will naturally remain             Donate $10 or more for a
the same. This increase in efficiency is            chance to win the ultimate
quite noticeable and we look forward
                                                    Aussie holiday!*
to meeting you on our renovated First
Floor at 85 George Street.                     Price includes: A $5,000 holiday voucher to be used anywhere in Australia
                                               towards your chosen combination of accommodation, flights and car hire.
G K Rutherford                                 *The Prize Winner will be drawn at Cancer Council Australia offices on Monday 6 July 2009 and
                                               the winner will be notified within 24 hours by phone or email. Winner will be published in The
                                               Australian on Monday 13 July 2009.
                        ard Skim ming
ATM C and tips on looking after your PIN
Card Skimming is a method to fraudulently capture information contained in
the magnetic stripe on the back of your ATM card. It can occur at either an ATM
or an EFPTOS terminal. There have been over 60 ATM skimming incidents in
Australia this year alone.

In an article published in the Sydney Morning Herald, Detective Superintendent Colin Dyson,
Commander of the NSW Police Fraud Squad said ‘“the devices that card skimmers are using are
improving, becoming smaller, more sophisticated and capable of storing more data. They are becoming
very difficult to detect and they seem to be made specifically for different models of ATMs”.

An ATM card skimming device is fastened close to or over the top of the ATM’s factory-installed
card reader. This device reads the information in your magnetic strip and stores the information. It is
generally used in conjunction with a pinhole camera that is used to capture your PIN number when
you enter it into the keypad on the ATM.

The camera is usually directly above the key pad or beside the machine. From a card holder’s point
of view, the best thing you can do is place one hand over the pin as you enter it. The information the
card skimmers read from the magnetic strip is useless without your PIN.



tips...
     •   Choose ATMs that are in well-lit, public or highly
         populated areas
     •   Remove the cash quickly and secure it out of public
         view as soon as practical
     •   Be sure to remove your card
     •   Be attentive to your physical surrounds during and
         after an ATM transaction
     •   Be sure there are no people standing close to you
         when conducting a transaction
     •   Be aware of attempts to distract you
     •   Cover your PIN number with your hand when
         entering it on the keypad
     •
If you believe your card has been skimmed, or if you have suspicions about an ATM or EFPTOS terminal due to it’s appearance or
how the transaction was conducted, please contact our Visa Cards Department on 07 3114 5055 between 8.30am – 4.30pm Mon
– Fri or the 24 hour Emergency Visa Card Hotline on 1800 621 199.
                                          Looking for the right
                                                        home loan?
                                               5.50% pa friendly home
                                                loan rate with a comparison
                                                       rate of 5.66%

                                           *For Housing Loans the comparison rates are calculated on a loan amount
                                           of $150,000 over a term of 25 years based on monthly repayments. The
                                           comparison rates apply only to the examples given and may not include all fees
                                           and charges. Different terms, fees and other amounts might result in different
                                           comparison rates. Comparison rate schedules are available at our branch and
                                           on our website at www.qldprofcu.com.au. These rates are for secured loans
                                           only and are current as at 24/04/2009.




                                                                              CONTACT US
                              Telephone 1800 172 054 Website www.qldprofcu.com.au
                              Head Office 85 George Street Brisbane Q 4000
professionally serving your   Fax 07 3221 4631       BSB 704 604
                              Email contact@qldprofcu.com.au
      financial needs

				
DOCUMENT INFO
Description: Pa Home Equity Loan Rate document sample