ISSUE 10 SEPT 2010 CELEBRATING 50 YEARS! (1960 - 2010) 777 EAST MAIN STREET S UPERIOR T REATMENT A ND R ESPECT T ORRINGTON , CONNECTICUT 06790 WWW . TMTFCU . ORG P HONE (860)489-2212 FAX (860)496-7024 LOAN RATES: STAR LINE 860-201-0002 New Vehicle Loans: as low as In order to provide a more secure service to our members we are happy to introduce our 3.99% APR to qualified borrow- new STAR phone line. This is an automated phone service available 24 hours a day 7 days a ers week. This provides secure access to your accounts so that you may check balances, with- Home Equity Loans/Line of Credit Please call for rates & drawals, deposits, cleared checks and VISA check card transactions and any and all recent info. transactions. Please call 860-201-0002 to start receiving these benefits immediately. Used Vehicle Loans: as low as 3.99% APR to qualified borrow- If you prefer our internet access is also available. You may visit us at www.tmtfcu.org and ers check your accounts on line and see our current rates and specials. Signature Loans: as low as 5.0% APR to qualified borrow- ers Share Secured Loans:: 3% APR over current savings & CD CHECK SCAM… rates Beware of fake check scams! In September the Consumer Federation of America (CFA) launched Minimum rate is 3.99% APR VISA CREDIT CARDS: 11.9% a program to protect consumers and financial institutions from fake check scams. You’d be APR Fixed rate. amazed at the number of scams out there. The next time you are in the credit union, ask your No annual fee. member service representative for a copy of the “Don’t Become a Target” brochure. The bro- Check out our website at www.tmtfcu.org for a com- chure provides information on some of the most common types of scams which may be of inter- plete list of rates. est to you or a family member. If you are one of our members that rely on your computer for transactions, go to www.consumerfed.org/fakecheckscams. OFFICE HOURS: WIN A NEW JACKET! M ON , TUES , WED - 8:00 AM TO 5:00 PM Is your birthday 11-27? If so please stop T HURS - 8:00 AM TO 6:00 PM by the lobby and pick up your new D RIVE - THRU TELLER TIL 6:30 jacket available in a variety of sizes. PM F RI - This birthday was chosen at random 8:00 AM TO 5:00 PM and the first 5 members to claim the D RIVE THRU TELLER TIL 5:30 PM date will be winners! S AT - 9:00 AM TO 12:00 NOON C LOSED S UNDAY No need to wrap your loose coin H OLIDAY CLOSINGS : 10-11-10 - C OLUMBUS D AY anymore. 11-11-10- V ETERANS D AY 11-25-10- T HANKSGIVING D AY Bring your coin filled buckets, jars, bags, banks, 12-24-10-O PEN 8 AM -12 PM etc. to the TMTFCU coin counting machine. No 12-25-10-C HRISTMAS D AY fee is charged to our members. Fast and easy. 12-31-10-O PEN 8 AM -12 PM 01-01-11-N EW Y EAR D AY Cash in your coins or deposit your money into one of your TMTFCU accounts. You may even leave with a credit union piggy bank! Big Enough to Serve You, Strong Enough to Support You, Small Enough to Know You. C REDIT U NION N EWS & E VENTS LOAN SPECIALS DEPOSIT RATES: 50th Year Celebration Loan Special - Let TMTFCU help you pay off your high inter- Dividends: est credit card charges or take the vacation of your dreams! REG SHARES* .551%APY IRA SHARES .551%APY - Borrow up to $10,000 for a rate as low as 5% APR for a up to 36 months. CLUB SHARES .501%APY MONEY MKT** .561%APY (Cost per $1,000 based on a 36 month term is $29.98) MM PLUS ** .621%APY MM ADV** .732%APY BLOWOUT Vehicle Loan Special - “New or Used” Dividends on all above shares are - Finance a vehicle for a rate as low as 3.99 % APR for as long as 60 months. declared & paid at the end of each quarter. Dividends are (Cost per $1,000 based on a 60 month term is $18.41) calculated on average daily bal- ance. **NO REWRITES ON CURRENT TMTFCU LOANS** *Minimum average daily balance to earn dividends on regular LOOKING TO REBUILD YOUR CREDIT? shares is $100.01. **MM is for personal accounts only. Minimum deposit & bal- See our loan department today for a SECURED LOAN for $500.00 to start. Stop by or apply by ance for MM is $1000.01, MM PLUS is $10,000.01, MM ADV phone or online. is $50,000.01. Rates are accurate through This just may be the second chance you are looking for!! 9/30/10. DISCOUNT POWER Share Certificates (Regular 10 DEBIT CARD SAFETY TIPS……. and IRA): TMTFCU has partnered with Discount Power to help members reduce the cost 1. Never give anyone your pin number. No 6 mos($500 min) .602%APY of their electricity by up to 20%. There one including your financial institution needs is free enrollment, no fees, no credit checks and 12 mos ($500 min) .904%APY your pin number. service and billing are still provided by CL&P or UI. 18 mos ($500 min) 1.257%APY To find out more information click on the icon the 2. Memorize your pin number and do not 24 mos ($500 min) 1.561%APY Discount Power Icon located on our website write it down anywhere. 30 mos ($500 min) 1.612%APY www.tmtfcu.org 36 mos ($500 min) 2.171%APY 3. After a sale, be sure your card is returned to __________________________________ 60 mos ($500 min) 2.795%APY you. PLEASE Share certificate dividends are 4. Sign the back of your card or make a note to accurate as of 9/30/10. There Help support our troops. In ask for ID. may be a penalty for early with- the spirit of people helping drawal. STAR MEMBERS add .25 basis points. people TMTFCU will be 5. Cover the key pad with your free hand when Your shares are insured sending care packages to our entering your pin number in public. federally by NCUA to at least $250,000. members who are serving 6. Use the credit key if you do not want cash overseas in the military. back. Some suggested items include non- perishable foods, soaps, shampoo, sun 7. Report a lost or stolen card immediately. block, chap stick, books and magazines. 8. Look for the padlock or website address that Aerosol cans and anything that may melt begins with https://, or the words Secure cannot be sent. If you know of a member Sockets Layer (SSL) when using the internet. who is serving overseas please provide us with his or her name so that we may send a 9. If you leave the country call the credit union package to them. Thank you for your gen- to open your card for international transac- erosity for these brave men and women. tions. THINK TMTFCU FIRST! ______________________________ 10. Check your account online or your monthly Don’t forget your credit FLU CLINIC statements for any erroneous transactions. union should be your first THURSDAY Call the credit union immediately if you find stop when you are looking to OCTOBER 28, 2010 one. finance a purchase or invest 4:00pm to 6:00pm some money!! All major insurances accepted.