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					                                 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.

				
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