Newsletter for Me mber-Owne rs • October 31, 2010 News Briefs ECU ATMs Need More Check out this new ATM in the Kingsport, TN area: Holiday Dough? Shell Service Station (accepts deposits) The holidays are around the corner! Is your shopping list bigger than your account 3104 Memorial Blvd. balance? No worries – ECU is here to help! Kingsport, TN 37664 For a limited time, qualifying members may borrow up to $5,000 for 12 months, Coming Soon to the Bloomingdale area of with rates as low as 7.50% APR*. Kingsport, TN: While you are taking care of this IGA Foods Shopping Center year’s holiday gifts with an 3006 North John B. Dennis (Hwy 93) ECU Holiday Loan, why not prepare for next year’s holiday Kingsport, TN 37660 gift-giving by opening an ECU Visit www.ecu.org for a complete listing of Christmas Club account this all ECU ATM locations. year? Regular deposits into your ECU Christmas Club account, Holiday Closing even small ones, accumulate into funds that will be transferred Eastman Credit Union offices will be closed to your savings account each November 1 just in time for holiday Thursday, November 25 in observance of shopping! the Thanksgiving holiday. So, what are you waiting for? Open your Holiday Loan or Christmas Club account today and start making your holiday wishes come true! Apply today! *APR is Annual Percentage Rate. Rate effective as of October 1, 2010. For every $1,000 financed for 12 months, the monthly payment would be $86.76 at 7.50% APR. Loan subject to credit approval. Certain restrictions apply. Limited time offer. Verify Your Contact Information & You Could Win a Mini Laptop! Help prevent fraud by making sure ECU has your Card Services Tip: current contact information. Visit www.ecu.org to for details. Hurry, offer ends When using your ECU Visa debit or credit card for internet November 30, purchases, be certain it is a secure 2010! and reputable site before providing your card information online. Catch Falling Rates with an ECU It’s Your Money® Loan Fall is just around the corner…temperatures are dropping and so are our It’s Your Money loan rates! It’s Your Money Loan Rates currently as low as 7.95% APR* ECU’s It’s Your Money loan is an unsecured loan product that can help ECU is Saving Members Money Every Day fund all the important events in your life. Whether you want to take a vacation of a lifetime, upgrade your TV or take care of those small home on Auto and Recreational Merchandise Loans! repairs that you keep putting off, an It’s Your Money loan can get the job Has ECU saved you money on your new or used auto or recreational done. merchandise loan yet? Well, there is still time – there is no expiration date on savings at ECU! Let us show you just how much you can save by • Medical expenses • Taxes financing or refinancing your loan with us today! • Adoption • Auto Repairs Auto and recreational merchandise rates are currently as low as 2.99% • Weddings • Moving Expenses APR1. At this low rate, your savings could be substantial and if you finance or refinance before December 31, your loan rate could be reduced • Musical Instruments • Insurance to 0.00% APR2! • Appliances • Vet bills • Funeral Expenses • Home repairs Don’t delay – save money with ECU today! 1 APR is Annual Percentage Rate. Loans subject to credit approval. • Jewelry • Much more! Certain restrictions apply. 2 Visit www.ecu.org for complete contest rules. New money only. • Vacation Certain restrictions apply. Catch our falling rates and do today what you’ve been putting off until tomorrow! AppLY ToDAY! *APR is Annual Percentage Rate. Loans subject to credit approval. Certain restrictions apply. New money only. Proceeds cannot be used for debt consolidation or to refinance ECU loans. Are You Ready to Rock & Roll? YoU CAN Rock a great, low rate of 4.50% APR2 when you Roll credit card balances from other financial institutions and department stores onto a new or current ECU Visa® Credit Card! The Annual Percentage Rate (APR) WIN 1 on all your balances will convert to 7.75% APR – 18.00% APR after July 31, 2011. $5,000 ECU Visa® credit cards give you so many benefits: • Great rates • Zero liability fraud protection • No balance transfer fees • Fixed or variable program rates available3 • Scorecard® Reward Points4 • No cash advance fees • 24/7 online access • No annual fees • 24/7 fraud monitoring • No fixed or minimum finance charges Stop paying high-interest rates with those other credit cards. It’s time to Rock & Roll this holiday season with ECU Visa®! Visit www.ecu.org to apply online today! 1 Visit http://WinwithECUVisa.ecu.org to view contest rules and to learn more about the benefits of an ECU Visa Credit Card. 24.50% Annual Percentage Rate (APR) is available on balance transfers made during the billing cycles occurring through July 31, 2011. All balances will convert to the regular rate of 7.75% APR – 18.00% APR after July 31, 2011. The regular rate of 7.75% APR – 18.00% APR will be charged on purchases made on the new account. Subject to credit approval. Certain restrictions apply. New money only. Your specific rate will be dependent upon your credit rating, your relationship with us and other factors. Rates and terms are subject to change without notice. 3VISA Platinum Preferred eligibility based on previous lending history. 4Scorecard Program – For every dollar spent (purchases only), you earn one point towards various gift items and travel services. For more details about ECU’s products and services, visit www.ecu.org or call 423.229.8200 and 800.999.2328. The Eastman Credit Union logo, ECU Online, ECU, Equity Express, It’s Your Money and Lifeline are registered service marks and LIFE is a trademark of Eastman Credit Union. Information in this newsletter is accurate as of date of printing and is subject to change at any time without notice.