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 firstname.lastname@example.org 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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