Lowest Auto Refinance Interest Rates in North Carolina

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					UTILITY LINES
November 1, 2010 | www.uecu.com



                                        Utility Employees Credit Union
Holiday Hours
Utility Employees Credit Union
WILL BE CLOSED
In observance of:
THANKSGIVING
Thursday, November 25, 2010                Smart Option Student Loan
CHRISTMAS
Friday, December 24, 2010                  •   Save money compared to a private 15-year payment deferred student
Saturday, December 25, 2010                    loan, build credit, and graduate with less debt by making payments
                                               while in school.
NEW YEAR’S
                                           •   Fast Online Application. R. Matthew Winter The easy to complete
Friday, December 31, 2010
                                               application takes about 20 minutes. It’s that quick and easy.
(8:00 a.m. – 1:00 p.m.)
                                           •   Market-leading interest rates for degree-granting institutions that are
Saturday, January 1, 2011
                                               as good as or better than the rates offered by other national student
                                               loan providers.
                                                                           (877.458.8285)
Name Game                                                                  www.uecu.com
Name game winner from our last
Utility Lines newsletter was: Natalie
K. Hemmer. She received a $10
                                           Skip-A-Pay Signup Reminder
deposit to her savings account.            The deadline for applying for this years December Skip - A - Payment is Friday,
                                           November 19, 2010. John Rae Don’t forget to send back your Charity election
                                           form with your signup coupon.
UECU 75th Year
Anniversary                                             Christmas Shopping &
Grand Prize                                             UECU Debit Cards
Winner                                                    During the Christmas season, it’s easy to forget that the UECU
                                                         Debit Card has a daily limit of $500.00. If you know that you will be
Congratulations to James L.                              making purchases for more than that amount, the credit union can
Peterson, who won the                                            increase your limit either temporarily or permanently.
$750.00 cash grand prize.                                        Please call Phil at 217-875-1845, ext. 107.


Decatur Facility                                  Galesburg Facility
2773 N. Main Street • P.O. Box 2108               687 Lincoln • P.O. Box 1285
Decatur, Illinois 62524-2108                      Galesburg, Illinois 61402-1285
800.792.2174 • 217.875.1845                       800.442.0207 • 309.342.3705
Fax 217.875.3648                                  Fax 309.342.4854

Hours                                             Hours
M-F    8:00 am - 5:00 pm                          M-F    9:00 am - 5:00 pm
Sat    8:30 am - 12:00 pm                         Sat    9:00 am - 12:00 pm
(New) 24 Hour Night Drop                          24 Hour Night Drop
Your Credit Union Wants                                                       SHARE DEPOSIT RATES

Your Loan!
                                                                              (Effective 11/1/10)
                                                                                                              APR                 APY*
                                                                              Regular Shares                  .45%                .45%
                                                                              Share Draft                      .25%                .25%
 Automobiles, Trucks, Motorcycles, Boats & RV’s!!                             Money Market Share Draft
                                                                                 ($2,500 Minimum)             .75%                .75%
 100% Financing*                                                              * Annual Percentage Yield
 Model Year      24 Mo            36 Mo    48 Mo      60 Mo       72 Mo
 ’10 -’11        2.75%            3.25%    3.50%      3.75%       4.75%       SHARE CERTIFICATES
                                                                              (Effective 10/18/10)
 Other Model Years*                                                           $2,500 Minimum                  APR                 APY*
 ’07 -’09         3.75%           4.25%    4.50%      4.75%       5.75%       6 Months                        .60%                .60%
 ’04 -’06         4.75%           5.25%    5.50%      5.75%          N/A      $1,000 Minimum**              APR             APY*
 ’03 -Older       7.75%           8.25%    8.75%         N/A         N/A      12 Months                     .65%             .65%
                                                                              18 Months                     .70%             .70%
Do you have an Auto Loan with a lower interest rate than                      24 Months                    1.00%            1.00%
YOUR credit union???                                                          30 Months                    1.00%            1.00%
                                                                              36 Months                    1.69%            1.70%
YOUR credit union maintains competitive interest rates on                     **YOUNG SAVERS CERTIFICATES (Available to Members 17
auto loans, but occasionally loses loans to other financial                   Years of Age and Younger) WITH A $500 MINIMUM
institutions or auto dealerships, for lower interest rates – or               $10,000 Minimum                  APR                APY*
simply convenience! Louise Fay                                                12 Months                        .80%               .80%
In most cases YOUR credit union can match the terms, and                      18 Months                        .90%                .90%
refinance the loan at no additional expense to the member.                    24 Months                       1.24%               1.25%
Please contact the credit union for additional information.                   30 Months                       1.24%               1.25%
                                                                              36 Months                       1.93%               1.95%
YOUR Credit Union wants YOUR Loan!                                            $25,000 Minimum                  APR                APY*
                                                                              12 Months                        .95%                .95%
                                                                              18 Months                       1.04%               1.05%
New, Reduced Fixed Rates                                                      24 Months
                                                                              30 Months
                                                                                                              1.49%
                                                                                                              1.49%
                                                                                                                                  1.50%
                                                                                                                                  1.50%
on Home-Equity Loans!!!                                                       36 Months                       2.08%               2.10%
                                                                              *Annual Percentage Yield
  HOME-EQUITY (Closed-End, Fixed Rate)*                                       *All rates are determined by the Board of Directors and are
                                                                              subject to change without notice.
                          60 Mo           84 Mo         120 Mo
  80% Loan to Value       4.50%           5.65%          6.00%
  95% Loan to Value       5.25%           6.50%             N/A
                      OR
  HELOC Loans (Home Equity Line of Credit)                                   Ticket Drawing
  (Open-End, Variable Annual Rate)*                                          UECU will be drawing for a set of ILLINI Basketball
  (Effective 11/1/2010)             4.00% CU Floor                           tickets to the November 30, 2010 home game vs.
                                                                             North Carolina & parking pass. Pamela Nuernberger
*All rates are determined by the Board of Directors and are subject to
change without notice. The Annual Percentage Rates (APR) listed for our      All entry forms are due by Friday, November 19,
various loan products are the lowest rates available. The rate and/or term   2010. Drawing will be held on Monday, November 22,
you will actually receive are determined by your credit history and score,   2010. You have 3 easy ways to enter:
value and type of collateral, and could be higher than quoted.
                                                                             • Fill out and bring in the attached coupon to a credit
International CU Day a Big                                                     union office-Decatur or Galesburg;
                                                                             • After completing the coupon, mail it to UECU, P.O.
Success                                                                        Box 2108, Decatur, IL; 62524-2108;
                                                                             • E-mail your lucky entry information to
Your UECU Board of Directors and Staff want to extend a big                    uecu@uecu.com
THANK YOU to all our members who came to our “LUNCH
ON US” which we celebrated on International Credit Union                     Name: ____________________________________
Day, Thursday, October 21, 2010. More than 150 members
had Paul’s Famous Chilli & Hotdogs, with all the fixings. Our                Phone: ____________________________________
Galesburg office also reported a great turnout for lunch.
                                                                             Account No.: _______________________________

Christmas Clubs                                                              E-mail Address: _____________________________

If you do not already have one, now is the time to sign up for               Winner will be contacted by phone on Tuesday,
a Christmas Club account for 2011. Deposits can be made by                   January 22nd. Only one entry per household. No
payroll deduction, by mail or over the counter. Wayne Cairns                 purchase necessary.
Funds will be dispersed November 1, 2011 by either mailing
a check, or transferring the funds to an existing share or
share draft account.

				
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