Sweet DealsOn Loans

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METRO EMPLOYEES
CREDIT UNION NEWS
1306 Versailles Road, Suite 140, Lexington, KY 40504 (859) 258-3990
January 2011

Take Advantage
Sweet Deals On Loans One Low Rate
Of MECU’s
FREE Services
Auto Loans Regardless MECU offers a variety of FREE,
convenient services to help you stay

4.49
Of Credit connected to your accounts. Take
advantage of these services today!
l FREE Checking - Switch to a MECU
Hurry, this specia Checking Account and save. There
rate is only availa
ble %APR* are no high rates and fees and you
in February! can easily access your funds at over
4,000 no-surcharge ATMs nation-
You’ll love the special low rate we have for you in February. wide. Plus, you can use our conve-
If you are thinking about purchasing a new or used vehicle, nient MasterMoney Debit Card for
be sure to take advantage of the savings at MECU. You’ll save making purchases. It’s easy to take
money with our low rate. advantage of E-Statements and Bill
Plus, if you are paying a higher rate at another ﬁnancial insti- Pay when you use our checking, too.
tution, reﬁnancing at MECU may lower your monthly payment
Online Account Access - It’s easy
and save you hundreds of dollars in interest.
to check your balance, make a
*Annual Percentage Rate. Effective February 1-28, 2011, and subject to change. Available transfer, and even more all from the
on loans of $5,000 or more. Not available on reﬁnancing of existing MECU auto loans. convenience of your PC anytime,
day or night.
Be sure to check E-Statements - Go Green and get

out our other sweet, your statement faster when you
sign up for E-Statements.

low rates on... From
MEC U
Bill Pay - Arrange to have bills au-
tomatically paid each month from
your checking account. You’ll save
• VISA Credit Card money on postage and you won’t
• Unsecured Loans have to worry about writing a check
and getting the bill mailed in time.
• Home Equity Lines of Credit
If you need money to help pay
Whether you are planning to remodel your home, or even need to Uncle Sam, be sure to make
consolidate debt, be sure to make MECU your ﬁrst stop for ﬁnancing!
MECU your ﬁrst stop. We can
You’ll love our sweet deals!
help with a low-rate Tax Loan.
Googoplex: New Youth Website Holiday Closings
Monday, January 17
Attention parents: If your child is a member of the MECU Kids Martin Luther King Jr. Day
Club, they will no longer be receiving a quarterly newsletter. How-
ever, we invite you to visit Googoplex, our new interactive website Monday, February 21
for kids. It features interactive games, videos Presidents’ Day
and colorful stories dealing with money matters
and life issues. Just go to our website Funds from your
www.metroemployeescu.org and click on the Vacation Club
Googoplex link.
Account will be
available April 1!

NEW Health Savings Account Start saving now for
Watch for more information coming soon to MECU! the holidays with a
Holiday Club Account!
Get Your Finances In Shape MECU Financial Data
Create A Budget - Begin by tracking your spending for one month. Sepa- as of November 30, 2010
rate your expenses from essentials and non-essentials to help you better Assets $17,259,990
see if there is anything you can cut. Then start by putting savings ﬁrst. Loans $8,986,926
Shares $15,180,242
Pay Yourself First - When it comes to saving, it’s important to always set Loan/Share Ratio 59.20%
Capital Ratio 11.87%
aside a speciﬁc amount of money for yourself. If you do this before you
Members 3,772
pay the mortgage, car payment, and visit the grocery, you’ll be more likely
to save on a regular basis. Saving is even easier when you take advantage
of payroll deduction.

Manage Your Debt - Think of debt as a tool. For most people, some debt is
practical for items you cannot afford to pay cash for such as a home and
college tuition. Getting into debt is easy, but getting out can be difﬁcult.
Metro Employees Credit Union
Don’t confuse what you can borrow with what you should borrow. Consider
consolidating debt in a low-rate home equity loan. Combining debts into one 1306 Versailles Road,
larger loan for a longer term can help reduce the monthly payments. Suite 140 (Main Ofﬁce)
Lexington, Kentucky 40504
Monday-Friday
Get Your Tax Return Faster 7:30 a.m. - 3:30 p.m.

Be sure to take advantage of the convenience of direct deposit when Phoenix Branch
doing your taxes. You’ll get your tax refund much faster than if you 101 E. Vine Street, Suite 180
were to get a check in the mail. Just be sure the MECU routing number Lexington, Kentucky 40507
(242176051) and your account number (account number for savings, Monday-Friday
or the number on the bottom of your check for checking accounts) is 9:00 a.m. - 5:00 p.m.
completed correctly on your tax form. It’s simple and your refund will be
deposited into your MECU account. (859) 258-3990
FAX (859) 258-3993
Winter Weather Ofﬁce Hours ... www.metroemployeescu.org
PhoneBranch - (800) 677-0183
We never like to alter our ofﬁce hours, but in the event of inclem-
ent weather we may be forced to change our hours of operation for the For your convenience use our envelope
drop box at either ofﬁce for making
safety of our staff. If you are unsure if we are open, ﬁrst check with the
payments and deposits.
local news or call us at (859) 258-3999 where we will post a special
message regarding any changes to our ofﬁce hours. EQUAL HOUSING
LENDER