Home Equity Loan Canada by unc15560


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									Let Your Certificate of Deposit(s) and
                                                                                      Holiday Closings
IRAs Earn More
Now you have the option of              The Credit Union is now offer-               Fort Worth City Credit Union
                                                                                            offices and drive
compounding the interest                ing Junior Jumbo Certificates of
                                                                                         thru will be closed in
                                                                                     Holiday Closings
earned on your Certificate of           Deposit and Jumbo Certificates                observance of the following:
Deposit. You can now choose             of Deposit. The Junior Jumbo                      Independence Day,
to have the interest deposited to       Certificates start at $50,000 up to               Friday, July 3, 2009
your certificate monthly.               $95,000 and the Jumbo Certifi-                  & Saturday, July 4, 2009
                                        cates are for amounts over                          Labor Day
If you already have a Certificate
                                        $95,000. The rates for the Junior             Monday, September 7, 2009
of Deposit you can change it to                                                            Thanksgiving
                                        Jumbo and Jumbo Certificates
compounding interest when it
                                        are usually higher than regular                2309 Montgomery Street
matures by calling the Credit                                                         Fort Worth, TX 76107-4588
                                                                                                                                                                                                                                                                     JULY 2009 NEWSLETTER
                                        Certificates of Deposit.
Union and talking to a Member                                                               817.732.2803
Service Rep. If you are opening         The Credit Union is also now of-                  Christmas Day
                                                                                        E-Z Tel: 817.377.7979
                                                                                                                                                                                       Home Equity Loan
a new Certificate of Deposit you        fering IRA Certificates of De-                      P.O. Box 100099
can choose to have the interest         posit, which work just like                   Fort Worth, TX 76185-0099
                                                                                                                                                                                       Don’t Move, Improve!                   With a home equity loan from Fort      Apply before August 31, 2009 to re-
                                                                                         New Year’s Day
                                                                                           Fax: 817.732.7524                                                                           It’s a tough choice for a home-        Worth City Credit Union, you bor-      ceive:
compounded at that                      regular Certificates of Deposit
                                                                                                                                                                                       owner: Move into a new house, or       row low-interest funds that are typ-     • Low interest rates
time.                                   except they are IRA Certificates                   www.fwccu.org
                                                                                                                                                                                       improve the one you have. But          ically tax-deductible. Apply online      • No closing fees on loans under
                                        with the same federal require-                                                                                                                                                        or call 817.732.2803 and speak to        $100,000
                                        ments as the IRA Share accounts.                                                                                                               your current home has something
                                                                                     Main Lobby                                                                                        no new home can offer - equity!        the real estate department to find       • Fast approval online or by
                                        For more information on the                   Mon - Thurs:                                            9 am - 5 pm                              Home equity provides homeown-          out just how useful your home’s          phone
                                                                                      Friday:                                                 8 am - 5 pm                                                                     equity can be.                           • Receive a free $250 American
                                        Certificates of Deposit and IRA                                                                                                                ers a ready financing source to turn
                                                                                     Drive-Thru                                                                                        home sweet home into home                                                       Express gift card upon closing a
                                        Certificates of Deposit contact a
                                                                                      Mon - Fri:                         7:30 am - 6 pm                                                sweet dream home.                                                               Home Equity loan of more than
                                        Member Services Rep.                                                                                                                                                                                                           $50,000 or a $100 American Ex-
                                                                                     Drive-Thru & Lobby
                                                                                      Saturday:     9 am - noon
                                                                                                                                                                                                                                                                       press gift card for closing a Home
                                                                                                                                                                                                                                                                       Equity Loans of $50,000 or less.
                                                                                                                                                                                                                                                                     *This information is not an offer to
                                                                                                                                                                                                                                                                     extend credit as defined by Section
  MasterCard – TNB Card Services is currently the Credit Union’s credit Mainprocessor. They have im-
                                                                             Lobby                                                                                                                                                                                   226.2 of Regulation Z. New loans
  proved their online account access web site, which is GoToMyCard.com.                                                                                                                                                                                              only. Loan approvals subject to
  Features include:                                  • Online Payments                                                                                                                                                                                               FWCCU lending guidelines. Credit
  • Online registration                              • Account summary                                                                                                                                                                                               Score based on Fair Isaacs score from
  • Recent transaction detail                        • View statement            Drive-Thru                                                                                                                                                                          credit reporting agency. Rates and
  • Account payment                                  • Online balance transfers*                                                                                                                                                                                     terms are subject to change without
  • E-mail inquiries                                 • Online dispute form                                                                                                                                                                                           notice. Fort Worth City Credit Union
                                                                                 Drive-Thru & Lobby
  • Online password change and reset                 • Security encryption                                                                                                                                                                                           is an Equal Housing Lender.
  * That’s right, now you can transfer online other high-rate loan balances to your Credit Union MasterCard quickly
  and easily. Please feel free to give the loan department a call with any questions you may have.

                                                                                                                                                                                       Important Notice on Change of Address
  FREE FINANCIAL EDUCATION CLASSES                                                                                                                                                     The Credit Union needs your            your new address reported to           fail to notify us, a $5.00
  J ust a reminder that the Credit Union is offering another Free Financial Education class on            Your savings federally insured to at least $250,000
                                                                                                 and backed by the full faith and credit of the United States Government
                                                                                                                                                                                       help when you have a change            the Credit Union by the U.S.           monthly return mail fee will
  Tuesday, July 7, 2009 at 6:00 P.M .at the Credit Union in the Board/Meeting Room. This class
  can help you learn more about your credit score and buying a car. Registration is                                                                                                    of address. The Red Flag Act           Post Office. Please notify the         be assessed. The Credit
  required and this date is subject to change. Please call 817.732.2803 and ask for                                                                                                    requires the Credit Union to           Credit Union of your new ad-           Union will start charging this
  Lisette Naranjo or e-mail her at lnaranjo@fwccu.org to make your reservations.                                                                                           $250, 000
                                                                                                                                                                                       have mail delivered to the ad-         dress within 30 days of an ad-         fee August 15, 2009.
                                                                                                                                                                                       dress we have on file, and to          dress change. For those who
2009 CU Super Saver
                                    2008 CU Super Saver                                                            Protect Your Assets With…..
                                    Congratulations to our 2008 CU Super Saver                                     G uaranteed Auto Protection (GAP)            bursement benefits are only applicable in              Loan Rates
     Kids Club                                                                                                     Insurance                                    the event a GAP Amount is waived under
                                    of the Year Brandi Glover. Brandi is eight
                                                                                                                                                                the GAP Waiver Addendum.                           New & Used Vehicles
                                    years old and has been a member for seven                                      If your vehicle is ever in an acci-                                                              As low as 4.74% APR*
                                    years. Brandi is shown here receiving her
                                    framed certificate and $100.00 Toys R Us Gift
                                                                                    Holiday Closings               dent, stolen, or otherwise declared          Extended Warranty Protection                           to 16.24% APR*
                                                                                                                   by your insurance to be a total loss,        Fort Worth City Credit Union now                       New & Used
                                    Card from Maria Cano, Head Teller.
                                                                                                                   most auto policies will only pay the         offers the Precious Metals Extended                Recreational Vehicles
                                                                                                                   actual cash value of the                     Warranty Program through Ameri-                     As low as 5.74% APR*
                                                                                                                                                                                                                       to 17.74% APR*
                                    Withdrawal                            Sydney Collins,                          vehicle...minus your deductible.             can Mercury Insurance Group. The
                                    Restrictions                          Retires                                  Unfortunately, this means that you           Precious Metals Plan provides new                        Home Equity
                                                                                       Thanksgiving                remain financially responsible for           and used vehicle coverage (some
                                    Removed                                S ydney decided after 25 years of       any difference between the insur-            exclusions apply, see a loan officer        5 Years         5-10 Years        10-15 Years

                                                                                                                   ance settlement and the amount               for complete details) that can be           5.49% APR* 5.99% APR* 6.49% APR*
                                    Y ou are now allowed to make           dedicated service that it was time to
                                                                                                                                                                purchased by any FWCCU member.
                                    six free withdrawals, transfers or     retire. The Board of Directors,         you still owe on the loan - even if
                                    a combination of both, each            Management and Staff thank Syd-         the loss wasn’t your fault! GAP in-          We can even finance the cost of the                     First Mortgage
2nd Quarter Winner                                                                      Christmas Day              surance covers the difference be-            Extended Warranty into your exist-                 <10 Years  10-15 Years
                                    month from your Share and/or           ney for all her work and dedication
        Congratulations                                                                                            tween your loan balance and the              ing loan without raising your pay-                 6.25% APR* 6.50% APR*
                                    Club account. After the sixth          to Fort Worth City Credit Union.
  Dylan Oliphint                    withdrawal in a month, there will
                                                                                       New Year’s Day
                                                                           Sydney will be missed and we wish       vehicle’s actual value. It also cov-         ment. With three different levels of
Dylan is four years old and has
                                    be a $5.00 fee charged for each        her much happiness in her retire-       ers your out-of-pocket deductible            protection, the Precious Metals Ex-                    Signature Loans
been a member of the CU Super
                                    additional withdrawal. Previ-
                                                                           ment.                                   on your auto policy up to $1000.*            tended Warranty Program offers su-                  As low as 7.49% APR*
Saver Kids Club for four years.     ously, you could not make more                                                                                              perior coverage that can save you                       to 17.50% APR*

                                    than six per month.                                                            Make sure you check with Fort
Dylan is shown here receiving a
                                                                                                                   Worth City Credit Union before
                                                                                                                                                                hundreds of dollars over compara-                     CD/Share Account
$50.00 Toys-R-Us Gift Certificate                                                                                                                               ble manufacturer’s vehicle service               2.50% Over Dividend Paid
from Lisette Naranjo, Loan                                                                                         purchasing GAP Insurance from
                                                                                                                                                                contracts.                                                MasterCard®
Teller.                             79th Annual Meeting Recap                                                      the dealership. Without the price
                                                                                                                                                                                                            Classic MasterCard 13.90% APR*
Children can earn and learn by                                                                                     markup from the dealership, we               Best of all, there is no limit on the
opening a CU Super Saver ac-
                                    Fort Worth City Credit Union celebrated its                                    are sure you will find the cost is           number of times you can use your             Gold MasterCard 10.90% APR*
count at the Credit Union. They     79th Annual Meeting on March 26, 2009
                                                                                                                   much less, and we can add the cost           Protection Plan; repairs may be             * Annual Percentage Rate (APR). The Annual
will earn great dividends on        with good food, great entertainment by                                                                                                                                    Percentage Rate may vary depending on
                                    Johnnie High’s Country Music Review and                                        into your new or existing loan.              completed at any licensed repair fa-          credit worthiness determined by the Fair
their savings and they learn how                                                                                                                                                                              ISAACS Credit Score on the credit report
to set financial goals and save     Miss Texas, Rebecca Robinson and the                                           Plus, you can come back and add              cility in the United States or                at the time of the loan advance. Includes
                                                                                                                                                                                                              applicable discounts for product relationships,
money for that new bike or          clowns were a big hit with the children.          www.fwccu.org                GAP Insurance at a later time...it           Canada; and there is only one de-             contact the Credit Union for details. Rates are
                                                                                                                                                                                                              subject to change at any time.
video game they want. Open a        The displays provided by the different city                                    does NOT have to be purchased at             ductible per visit. Contact a loan
CU Super Saver account for your     departments were terrific as always and                                        the same time as the vehicle. Con-           officer for more details or to see
children today. Give us a call at   thanks to the Fire Department for display-    Main Lobby                       tact a loan officer for more details.        which plan would best suit your                  Financial Update
817.732.2803 or visit our web       ing the fire truck and MedStar for display-                                                                                                                                             May 31, 2009
site for more information.                                                                                         *Deductible reimbursement benefits subject   needs.
                                    ing the ambulance.                                  Adult $1,000 Winner        to the maximum limit set forth in your                                                   Assets .................... $ 104,298,585
                                    Re-elected to the Board of Directors for               Harold Lopez                                                                                                     Loans ....................... $ 42,505,842
                                                                                  Drive-Thru                       GAP Waiver Addendum. Deductible reim-
                                                                                                                                                                                                            Savings .................... $ 89,683,065
                                    three-year terms were Bob Riley, Pat Svacina and David Yett.
                                                                                                                                                                                                            Members ........................... 13,045
                                    The evening concluded with the drawing of the cash prizes.
                                                                                Drive-Thru & Lobby                  Employee Recognitions
                                                                                                                                                                                                                   Dividend Rates
                                                                                                                                                                                                             In June the Board of Directors declared
                                                                                                                                                                                                                    the following dividend on
                                                                                                                                                                                                                  Shares for the second quarter:

                                                                                                                                                                                                            Balance ........................ $ 25.00 +
                                                                                                                                                                                                            Dividend ............................ 1.00%
                                                                                                                                                                                                            APY ................................... 1.00%
                                                                                                                                                                                                            IRA rates are 2.48% and (2.50%APY*). Rates
        Youth $250 Winner                                                                                                                                                                                   are subject to change at any time.
                                                                                                                                                                                                            * APY = Annual Percentage Yield
           Haley Cantu
                                                                                                                    Congratulations Tina Williams for 31        Congratulations Bretta Butler for 30
                                                                                                                    years of dedicated service with             years of dedicated service with
                                                                                                                    FWCCU.                                      FWCCU.

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