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JA N UA RY 2 0 0 8
Mind your business with an • FREE online banking
Insight Financial business • FREE Bill Payer when
ATa checking account that now Business you sign up for FREE
eStatements
GLANCE offers NO monthly fee!
Enjoy the convenience of
having your personal
Checking • FREE eAlerts
Not only does
BRANCHES CLOSED
Tuesday, January 1 and business accounts all
with Insight Financial offer
in observance of New Year’s Day this great business
BRANCHES CLOSED
at the same convenient NO Monthly account to our business
financial institution.
Monday, January 21
in observance of Martin Luther King, Jr. Day Insight Financial’s Fee members but we also offer
business checking accounts business loans, such as a
ANNUAL MEETING
Mark your calendar for Insight Financial’s include: Visa Platinum credit card for
72nd Annual Meeting and 16th Annual Business with a
Paul H. Higgs Memorial Scholarship Award. • NO monthly
service charge rewards program.
Friday, February 22, 2008
4:30 p.m. • NO minimum We also offer fixed
Maitland Branch
480 South Keller Road balance or variable rate
requirement Lines of Credit,
• Same day credit Installment Credit,
TurboTax is the Easy Way for deposits and and Commercial
to do Your Taxes! loan payments
Mortgages.
As a valued Member, you are invited • FREE business
So what are
to discover just how easy doing your Smart Check debit
taxes can be with TurboTax. card for accounts you waiting for?
• A step-by-step interview with that qualify Put your business in good company – open an
easy-to-understand questions
• Visa Extra Rewards Points on qualifying Insight Financial Business Checking account
• Forms automatically filled out
using your answers purchases made with your business today. For more information, call our
• 100% accurate calculations
debit card Business Services Manager at 407.659.2730.
guarantee*
• FREE federal e-file, plus get your
refund in as few as 9 days with
direct deposit
Board Declares 1% Bonus Dividend
TurboTax has a variety of online and
downloadable tax products In appreciation of your credit union support throughout 2007, your Board of Directors has
available for purchase that meet
your unique tax needs.** declared a 1% bonus dividend appearing on December statements. This dividend was paid on
Do your taxes the easy way and visit the total interest you paid on loans during
InsightAccounts.com to start your
free return today with TurboTax 2007 (excluding credit cards and business
Online Free Edition. Choose Easy!
loans) and on share dividends earned
*If you pay an IRS or state penalty or interest
because of a TurboTax calculation error, Intuit-
the maker of TurboTax products-will reimburse
throughout 2007 (excluding certificate and
you the penalty and interest.
** E-file charges apply for downloadable
IRA share accounts). We hope to maintain
TurboTax products.
Intuit, TurboTax and TurboTax Online, among
your support of credit union products and
others, are registered trademarks and/or service
marks of Intuit Inc. in the United States and other services and look forward to serving your
countries. Other parties' trademarks or service
marks are the property of their respective financial needs throughout the coming years.
owners.
Credit Card Upgrade!
Great News! If you currently have an Insight Financial Visa Classic, MasterCard
Valentines for
Classic or Gold MasterCard, you will soon be Veterans
upgraded to a Visa Platinum credit card. Watch for
Special thanks to all of our members
more information in the mail this month. With your
and employees for your generous
new Visa Platinum credit card, you will enjoy all the
donations during Baby DJ with XL106.7
benefits and purchasing power Visa Platinum offers
in December. We appreciate everything
along with the level of service you have come to
you do to make the fundraising
expect from Insight Financial. Here is what you
campaigns such a success and to give
need to know to begin using your new Visa Platinum
back so much to the community.
credit card:
With the holidays behind us, it’s
Expect your new Visa Platinum credit card to arrive by mid-February. time to get ready for Valentine’s Day
• Until your new card arrives, continue to use your current Insight Financial credit card. which will be here before we know it!
• Once you receive your new card, follow the instructions on the sticker affixed to the Please help us remember our veterans
card to activate it.
this Valentine’s Day by participating in
• After you activate the new card, destroy your old card.
Insight Financial’s 10th Annual
Your new Visa Platinum credit card will have a NEW CARD NUMBER. Valentine’s for Vets supply drive. We
• When your new card arrives, you will need to notify vendors whom automatically hope to really show appreciation for our
charge your credit card for recurring charges, such as E-Pass, health clubs or any utility veterans this year by delivering boxes
companies, of your new card number.
overflowing with valentines, toiletry
• Your new Visa Platinum will have the same credit limit as your current card.
items, and white tube socks.
Additional Benefits Let our veterans know they have not
• 9.9% Annual Percentage Rate through April 30, 2008 been forgotten! Collection boxes are
• No Annual Fee located in each of the branch lobbies for
• 25-day Grace Period you to bring in valentines and donations
• Annual Summary Statement
through Friday, February 1st. Your
• Auto Rental and Travel Accident Insurance
donations will be delivered in time for
• Travel and Emergency Assistance
Valentine’s Day to veterans in need
Rewards Program
who are being treated in our local
Your Visa Platinum will automatically be enrolled in the CURewards Program to earn
VA hospitals.
points whenever you use your card for purchases. You may login to www.CURewards.com
to see the items available for redemption and the points needed to purchase them. Your
points will appear on your statement.
Don’t have an Insight Financial credit card? Now is the perfect time to apply for one
and receive all the benefits the Insight Financial Visa Platinum credit card has to offer. Call
407.426.6000 or toll-free 888.843.8328 to open your Visa Platinum credit card today. You
can also visit our website and apply online at www.InsightAccounts.com.
Is It Time for a Financial Check Up?
A yearly review of your personal finances is a wise investment in your financial well-being.
When was the last time that you did a check-up of your financial fitness?
• Does your budget need some fine-tuning?
• Do you know your net worth?
• What are your financial goals for this year, next year, five years?
• How does your credit report look? PRESIDENT ’S
• Are you considering a home purchase?
Personal finance covers a wide range of topics – from managing daily expenses to POINT
investing for retirement. You don’t have to be an expert in all areas to achieve Lynn W.Owen III
President/CEO
financial fitness. Practicing the basics of smart money management is all it takes for
Last year proved to be an exciting one, full of
most people to reach their goals, but sometimes you have questions and you want to growth and expansion for Insight Financial Credit
know that you are on track. That is why Insight Financial has partnered with Union. We started the year by completing the
renovations at the Orlando-Downtown branch. All of
BALANCE, a financial fitness program dedicated to helping you achieve your goals. the enhancements were designed with you in mind, and
the updated branch now features an internet café, state
A BALANCE professional can assist you in your financial check-up. For more of the art teller stations, and a new mortgage area with a
information, call toll-free 888.456.2227. conference room for closings. We hope you find it warm,
welcoming and convenient to do business.
Whether you want to review you current budget or create a new one, set and Speaking of convenience, have you visited Insight
achieve financial goals, reduce your debt, or prepare for home ownership, Financial on the web? Last spring, we re-introduced our
website at www.InsightFinancialCU.com to make it even
BALANCE can help. more convenient to conduct business online. Now you
are able to access online banking in a login area that is
featured on every page – including the home page. No
matter where you are within the site, you always have
access to your accounts. We also introduced a series of
podcasts for you to download to your iPod or other mp3
72nd Annual Meeting player or to listen online. The MoneyPods are full of
educational information to help you make the most of your
money.
Mark your calendars now for Insight Financial’s 72nd Annual meeting and 16th During the summer, we continued to focus on improving
Annual Paul H. Higgs Scholarship Award. Our meeting will be Friday, February and growing your credit union. The State of Florida
approved for Insight Financial to offer membership to
22, 2008 in the Community Room at our Maitland office at 4:30 p.m. anyone who lives or works in Sumter or Marion County. To
Under Insight Financial’s bylaws the election proceeding will be handled better serve our members in this community, Insight
Financial purchased an acre of land in Lady Lake to build a
as follows: new branch near The Villages. The branch will be located
in The Villages Crossroads Plaza, which is a new retail
• Sixty (60) days prior to each annual meeting of the credit union, the board shall center that is being developed south of Rolling Acres Road
on the west side of 441. The design and construction of
appoint a Nominating Committee from the membership, at least three (3) of your new Lady Lake branch is progressing smoothly, and
whom are not board members at the time of appointment. This Committee shall we plan to open the doors in spring 2008.
In addition to improving the financial lives of our
be charged with the responsibility of determining that the persons nominated for members, we also worked to improve our community last
office possess the qualifications required by law and shall submit a slot of nominees year. Insight Financial was recognized as the first
company to receive the Corporate Champion Award
to the Credit Union chairman for presentation of members along with notice of from Seminole Community College (SCC). Insight
Financial has long been an active supporter of SCC by
annual meeting. offering the benefit of credit union membership to
faculty, employees, and students during Club Rush on
• All elections shall be determined by plurality vote and shall be by mail ballot except SCC’s campuses. In October, the credit union was
where there is only one nominee for each position to be filled. Nominations shall not proud to intensify its support of SCC through a one
million dollar donation, an investment in the future of
be made from the floor unless sufficient nominations to fill the vacancies have not been our community. We also fundraised throughout the
summer to benefit the Coalition for the Homeless.
made by the nominating committee. Only those positions without a nominee shall be Through your generous donations, Insight Financial
subject to nominations from the floor. In the event nominations from the floor, where was proud to present $25,000 to the Coalition at our
inaugural “Cruise for a Cause” motorcycle poker
permitted herein, result in more than one nominee for a position to be filled, and the run. We plan to host this event every year, and it’s
definitely one you don’t want to miss.
nominations have been closed, ballots shall be distributed, the vote shall be taken and
We hope you were pleased to receive your 1%
tallied by the Supervisory Committee or appointees of the Chairman, and the results bonus dividend – it’s our way of saying thanks for
the trust and support you’ve put in your credit
announced. If or when only one member is nominated for each position filled, the chair union over the past year. We have so much to
may take a voice vote or declare each nominee elected by general consent or acclamation at look forward to in 2008 – a new branch in Lady
Lake, enhanced checking products, upgraded
the annual meeting. Platinum credit cards, and that’s just what’s on
the horizon for first quarter. Your Money
• Nominees will be posted in all credit union lobbies no later than Monday, Coaches and I look forward to continuing to
bring you products and services to improve
January 28, 2008. your financial life!
FEES LOAN ANNUAL PERCENTAGE RATES
Standard Fees
• New Member Fee (One Time) ....$10.00 LoanLiner Addendum/Change in Terms Notice
(Includes ATM card for owner and joint)
• Minimum Shares Fee (Monthly) ....$5.00 These loan rates, effective January 1, 2008, are an addendum to your LoanLiner Agreement. The payment amount and due date of payments will
Applies to members over age 22 who have no loans be determined at the time of each advance and disclosed on the Advance Request Voucher. The lowest rates shown are for members with
(including credit cards) with an accumulative share
balance less than $50 on the last day of the month excellent credit who qualify for the Ultimate relationship pricing. Your actual rate will be customized based on your credit characteristics.
• Checking Fee (Monthly) ....................$5.00 Please retain this notice with your LOANLINER® Agreement and Truth in Lending disclosures for future reference.
• Check Orders ................................Price Varies
Seniority Status members receive 1 free box of standard
checks per calendar year.
Vehicle Loans Other Secured Mortgages Home Equity Line of Credit
$10,000-$150,000.
• Collection Item New Auto/ New Computer ($5,000 (Mortgage rates are current as of
Truck ................6.49%-12.74% max.).................................12.79% December 26, 2007, 2:30 p.m.) Up to 100% LTV ..........8.250%
(Domestic) ..............$10.00 ea. +expenses Rate APR* Follows PRIME RATE plus 1.00% (may adjust
• Collection Item Used Auto/ Stock Secured....7.59%-10.59% 10 year fixed 5.875% 5.888% quarterly). Subject to 17% cap and floor of
(International) ......$20.00 ea. +expenses Truck ................7.24%-12.74% Prime Rate.
• Deposited Item Charge-Back ..........$10.00 Classic Auto Certificate Secured 15 year fixed 5.875% 5.884% 80% LTV ......................7.250%
• Verification of Deposit (fax/mail) ......$10.00 up to 60 mos., 5% min. ..........3% 20 year fixed 6.375% 6.382%
up to 36 mos. ....9.29%-15.99% above Follows PRIME RATE (may adjust quarterly).
• Verification of Deposit (rush)............$15.00 certificate rate 30 year fixed 6.375% 6.381% Subject to 17% cap and floor of Prime Rate.
• Stop Payment (Funds available) ..........$15.00 ea. New Boat ..........6.99%-13.89%
• Stop Payment (Funds unavailable) ......$30.00 ea. Used Boat..........7.49%-14.39% Share Secured 40 year fixed 7.125% 7.130% Insight Financial also offers
• Stop Payment Removal ............$10.00 ea. up to 60 mos., 5% min. ..........3% 7 yr. balloon 6.750% 6.761% Construction/Perm Loans and
New above
• Overdraft Privilege Motorcycle. ......7.19%-14.29% share rate (Amortizes as 30 Yr. Amortization) Land Loans to meet your needs.
Service Fee* ........................................$27.50 ea. Call 407.426.6040 for most
• Non-Sufficient Funds Fee ........$27.50 ea.
Used All Other Secured ........12.59% recent rates.
Motorcycle. ......7.69%-14.79% Fixed Home Equity Loans
• Overdraft Transfer ..........................$3.00 ea.
• Dormant Account (Per Month) ........$5.00 New RV ............7.69%-14.49% Unsecured Up to 80% LTV (L14)
Repayment terms and rates may be
(After 12 months) Personal Loan (Min $5,000-$200,000. based on collateral age, condition,
Used RV. ..........8.09%-14.89% value if secured, and other factors.
• Closed Account Fee ..........................$25.00 $500) ..............12.79%-18.00% 60-84 mos. 6.490% 16.655%
(If account closes within 6 months) New Jet Ski/
• Foreign ATM Fee ATV .................8.49%-15.49% 12-12-12 12 mos.........12.00% 85-120 mos. 7.490% 17.580% Longer terms may be available on
(ATM TNX FEE) ................................$1.50 ea. some loan types. Restrictions may
Used Jet Ski/ Line of Credit (Max 121-180 mos. 7.990% 18.055%
apply. Rates subject to change.
• ATM Inquiry Fee ATV. ..................8.89%-15.89%
(ATM TNX FEE) ................................$ .50 ea. $7500) ..........................13.99% 181-240 mos. 8.490% 18.544%
New Mobile *Based on $140,000 loan amount.
• Foreign ATM Inquiry Fee Relocation Loan ......10.49%
(ATM TNX FEE) ................................$1.50 ea. Homes ..............9.09%-15.89% **Based on $25,000 loan amount.
• Reconcilement of Statement Used Mobile
(Per Hour) ................................................$20.00 Homes. ............9.49%-16.49%
• Research (Per Hour) ............................$20.00
• Copy of a Bill Payer Check ....$20.00 ea. LAST DECLARED ANNUAL LOCATIONS & HOURS
• Bad Address Fee (per month) ........$5.00 PERCENTAGE YIELDS
• Commercial Money Order Apopka Office Maitland Office &
(Western Union) ........$15.50 - $52.50 ea. Account Type Minimum APY
• Wire Transfer 446 S. Hunt Club Blvd. Administration Center
Regular Share $100 1.00% APY
(Domestic, Incoming) ..............$10.00 ea. Apopka, FL 32703 480 S. Keller Rd.
Youth Account $5 1.00% APY
• Wire Transfer M-TH 9am-5pm, F 9am-6pm Orlando, FL 32810
(International, Incoming) ......$25.00 ea.
Seniority Status Checking $1,000 0.20% APY
IRA $100 1.06% APY M-TH 9am-5pm, F 9am-6pm
• Wire Transfer
Money Market $0 - $999 1.21% APY Clermont Office Drive-Up M-F 8am-6pm
(Domestic, Outgoing) ..............$20.00 ea.
• Wire Transfer Money Market $1,000 - $2,499 1.41% APY 300 E. Highland Ave.
(International, Outgoing) ......$35.00 ea. Money Market $2,500 - $9,999 1.92% APY Orlando Office–
• ACH One-Time Payment Clermont, FL 34711
Money Market $10,000 - $24,999 2.32% APY Downtown
Authorization** ........................................$5.00 Money Market $25,000 - $49,999 2.53% APY M-TH 9am-5pm, F 9am-6pm
206 Hillcrest St.
• ACH Periodic Payment Transfer** ....$15.00 Money Market $50,000 - $99,999 2.89% APY Drive-Up M-F 8am-6pm
• Remote Funds Fee ........................$5.00 ea. Orlando, FL 32801
• Official Check (Non-Member) ..$10.00 ea.
Money Market $100,000 and Greater 3.20% APY M-TH 9am-5pm, F 9am-6pm
• Abused Account Fee ..........................$25.00 Regular Share Certificates Eustis Office Drive-Up M-F 8am-6pm
• Garnishment Fee (One Time) ........$30.00 15120 U.S. Hwy. 441
3 months $1000 2.90% APY
• Bill Payer Money HQ (Per Month) ....$4.95
($1.50 per transaction after 5) 6 months $1000 3.79% APY Eustis, FL 32726 Orlando Office–South
• Money HQ Next Day Transfers $8.95 ea. 12 months $1000 3.85% APY M-TH 9am-5pm, F 9am-6pm 7600 Chancellor Dr.
• Gift Card ..............................................$3.00 ea. 24 months $1000 3.90% APY Orlando, FL 32809
Drive-Up M-F 8am-6pm
Miscellaneous Fees 36 months $1000 4.00% APY M-TH 9am-5pm, F 9am-6pm
• Debit Card Reorder ......................$5.00 ea. 48 months $1000 4.09% APY
• Temporary Checks (Per Sheet) ......$2.00 Lake Mary Office Drive-Up M-F 8am-6pm
60 months $5000 4.15% APY
• Official Check (Members)..........$3.00 ea. 501 Currency Circle
• Traveler's Checks Youth certificates are available at the same terms (except Oviedo Office
Lake Mary, FL 32746
Single Signature ........................................ Free 60 mos.) and rates, but require only $500 minimum. 112 W. Mitchell Hammock Rd.,
Dual Signature (Per $100) .............. $1.00 M-TH 9am-5pm, F 9am-6pm
• Gift Check ..........................................$2.50 ea. Exchange Rate Certificates Ste.1124
Available on 12 month and longer terms at the above APY’s. Drive-Up M-F 8am-6pm
• Money Order ....................................$2.00 ea. Oviedo, FL 32765
• History (Per Mo.) ....................................$2.00 Minimum amounts are $5000. One time during each term, M-TH 9am-5pm, F 9am-6pm
• Statement Copies (Per Mo.) ............$3.00 you have the option of changing the rate to the prevailing Leesburg Office
• Photocopy ..........................................$5.00 ea. rate of the same-term certificate. 300 Webster St. Rockledge Office
• Check Copy ......................................$3.00 ea. Dividends on regular shares, youth accounts, IRAs and money market accounts are
accurate as of the last declared dividend date. Share dividend rates are accurate as of Leesburg, FL 34748 3700 Murrell Road, Ste. 3
• Standard Bill Payer Monthly Fee ........$6.50
(Free with eStatements) December 27,2007. There is a penalty for early withdrawals. Call 407.426.6000 for M-TH 9am-5pm, F 9am-6pm Rockledge, FL 32955
recent rate changes or visit our website at www.insightfinancialcu.com and click on
• Phone Transaction Fee (Per Call) ........$2.00 Personal Services–Deposits–Account Rates At A Glance. Drive-Up M-F 8am-6pm M-TH 9am-5pm, F 9am-6pm
• Facsimile Service (Per Page) ............$5.00
*For overdrafts created by checks, in-person Board Of Directors: Maurice T. Webber, Chairman; A. Floyd Bradley, 1st Vice Chairman; Linda P. Short, 2nd Vice Chairman; Jerry G. Locke,
withdrawals, ATM withdrawals, ACH
withdrawals, or any other withdrawal via Treasurer; Stephen C. Hoeltke, Secretary; Karen Johnson, Director; Raymond J. Mann, Director; Danny Grant, Director; Susan V. Stucker, Director;
electronic means. Lynnwood A. Lee, Director; Sanna Henderson, Director; Norma Horton, Director
**For ACH transfers from a Financial Institution
other than Insight Financial. Supervisory Committee: Charles Arnett, Chairman; Mark K. Zickefoose; Deborah Collins
Positive balance required for Member Vantage
pricing eligibility. Executive Management: Lynn W. Owen, III, President/CEO; Mike Mickler, V.P. Lending; Kristy Moist, V.P. Marketing & Business Development;
Richard H. Simonton Sr., Chief Financial Officer; Jeffrey Swerdlow, V.P. Project Management; Jody W. Walls, V.P. Operations/COO
It is the mission of Insight Financial Credit Union to
provide exceptional member service.
P.O. Box 4900
Orlando, FL 32802-4900
Insight Financial Credit Union is federally insured by the National Credit Union Administration.
CALL CENTER 407.426.6000 • TOLL-FREE 888.843.8328 • SMARTLINE TOLL-FREE 800.96FUNDS • www.InsightAccounts.com
