Speaking FINANCIALLY January 2011 Smart talk about money matters. In This Edition: Pay 2 Bills, Earn $10 n Pay 2 Bills, Earn $10 Let us teach you a trick or two about the convenience and n iQ Credit Union’s time-saving benefits of iQ Credit Union’s FREE online Annual Meeting banking and bill pay! n Scholarship Applications Here are a few tricks about FREE online banking and bill pay: Available Now • Access account information anytime, anywhere n iQ CU has Money to Loan • Transfer funds and pay your bills with just a few clicks n TurboTax® • Never pay a late fee with our payment guarantee n Tax Information PLUS, if you register now for iQ Credit Union’s FREE online bill pay, we’ll give you $10 when n Focus on Our Volunteers you pay your first 2 bills online!* n Holiday Closings Once you’ve registered for online bill pay and paid your first 2 bills online, click the Redeem Reward button to request your $10 award. It’s that easy. iQ Credit Union’s *Visit www.iQcu.com for more details. 70th Annual Meeting When: Wednesday, March 30 iQ Credit Union has Money to Loan! Where: Hudson’s Bay Whether you’re looking to drive home a new car, tap into your home equity and remodel, or High School refinance any non-iQ loan for a lower rate, iQ Credit Union has money to loan. Appetizers will be served at 6:00 Auto Loans p.m. Meeting starts at 7:00 p.m. If you’re a would-be car buyer with decent credit and a Move an auto loan. Car This is your chance to learn about down payment, the world is your showroom. Deals are payment too high? Refinance fiscal year 2010 and upcoming everywhere. Rates are low. And iQ Credit Union has money your auto loan with us and enjoy plans for 2011, then vote for this to loan. To put you in the driver’s seat, we offer rates that our low rates. year’s Board of Directors. will rev your engine — and personalized service to match. Whether you apply online, in person, over the phone or at a Move your credit cards. Losing See you there! participating dealer, you’ll always drive home a smart deal. too much cash from your cards? Apply today. Transfer your credit card balances to an iQ VISA Platinum and enjoy Scholarship Applications Home Equity Loans cash back on every purchase — Available Now If you’re a homeowner with good credit and equity in with no balance transfer fee. in your home, turn that equity to cash with Smart Equity from Move a home equity loan. A variety of scholarships are iQ Credit Union. Smart Equity combines the security of a Monthly payment breaking the available to area students fixed-rate loan with the flexibility of a line of credit. You can budget? Turn your high-interest and educators. For complete use any or all of your approved amount as a line of credit or as home equity loan into an iQ details and applications, visit a fixed-rate loan — with up to three separate fixed-rate loans Smart Equity account and enjoy www.iQcu.com or stop by any iQ from your approved amount. Rates are low. Terms are flexible. our great low rates. branch. Completed applications And iQ Credit Union has money to loan. Apply today. must be postmarked or delivered in person to a branch no later than Transfer Loans from Other Financial Institutions Saturday, March 12 (sorry, no Times are tight, especially on your wallet. If high-interest loans are eating up too much of your deadline exceptions). budget, we can help. Move an existing auto loan, credit card or home equity loan from any other financial institution to iQ Credit Union and save. Good luck! iQ Credit Union has money to loan! To apply, visit www.iQcu.com, call the Member Service Center at (360) 695-3441 or stop by any branch. Do Your Taxes Right and Get Your Biggest Refund Possible NEWS&NOTES with TurboTax.® Special Discount Offer for iQ Credit Union Members! No matter where life may take you, TurboTax® makes it easy to do your taxes right and get Focus on Our Volunteers your maximum tax refund guaranteed. What’s best, as a valued iQ Credit Union member you Banks are owned by stockholders, can get a special 10% discount on TurboTax® Federal Deluxe Online Edition. File today at who are only in business to make www.iQcu.com with TurboTax® and get your refund in as few as 8 days. a profit. Credit Unions, are owned by the members (account holders). With TurboTax it’s easy to do your taxes right: Any profits are returned to the • Guides you step-by-step, just like a GPS, to your account holders in the form of lower Biggest Refund Guaranteed loan rates, higher rates on savings, • 100% Accurate Calculations lower fees and additional products • Double checks your return so you get all the and services. As account holders, deductions and credits you deserve or members of your Credit Union, you elect volunteers to serve as iQ Don’t miss out on this special discount on TurboTax® Federal Deluxe Online Edition. Start for Credit Union Board of Directors. FREE Today www.iQcu.com – you don’t pay unless you are satisfied with the results. These volunteers determine iQ Credit Union’s direction and make important decisions about our future. Tax Information Thank You, Dedicated iQ Credit Union Volunteer Board of Directors! What is a 1099 INT? assessed. Otherwise your refund will be Jim Sork, Chairman The statement you receive from returned to the sender as “invalid account”. payers of interest income, from the H E L P F U L I N F OR M AT ION Scott Bieber, Vice Chairman This 9-digit account format is required for Sharon Eastman, Secretary CU or other savings institutions, posting of all direct deposits, automatic Doug Lehrman, Treasurer that summarizes your interest withdrawals and loan payments. Bill Hogan, Director income for the year. This form is Ed Maxwell, Director also used to report other tax items What you need to know to set up Evie Grendahl, Director related to your interest income, these postings: Steve Porter, Director such as early withdrawal penalties, iQ Credit Union Don Kitterman, Director federal tax withheld and foreign PO Box 1739, Vancouver, WA 98668 tax paid. (360) 695-3441 If members have compliments, comments, concerns or complaints Direct Deposit your tax refund Routing number: 323383378 they want to share with the Board (routing & transit number) Deposit into checking: of Directors, they can be contacted It is important to use the correct Use the 9-digit account number from the by writing to PO Box 1739, nine-digit account number on your bottom of your check. Vancouver, WA, 98668 or e-mail tax return paperwork to ensure Deposit into savings: directors@iQcu.com. that your refund is credited to the Your account number needs to be correct account. If the account converted into a 9-digit number. number is not formatted correctly, Visit our website for information on we may be able to hand post your how to convert your savings account return. However, there will be a number. http://www.iqcu.com/infodesk/ $25.00 tax refund research fee onlineforms/directdeposit.asp Not sure what numbers to use? Visit http://www.iqcu. com/infodesk/onlineforms/directdeposit.asp or call the Member Service Center at (360) 695-3441. Holiday Closing Get your refund in as fast as 10 days when you e-file, about a month faster than mail. Direct deposit gives you We will be closed Monday, January quick access to your money. Simple interview questions 17, in observation of Martin Luther and step-by-step help make returns easy to complete. King, Jr. Day. 100% guaranteed calculations and deduction checks assure accuracy and maximize your refund. Relax knowing your tax data is protected. IRS e-filing guarantees delivery of your return.