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	EVERY DOLLAR TAKEN FROM YOU IN FEES IS A DOLLAR YOU CANNOT ENJOY! NO LATE FEES, NO TRANSFER FEES, NO COURTESY PAY FEES, NO ATM FEES WE DO NOT USE "CREDIT SCORE" TO MAKE YOU PAY MORE INTEREST. EVERYONE GETS THE SAME LOW RATE ON LOANS
Is your car looking a little beat up? Now is the time to buy that brand new car or truck. Compare our monthly payment with the rebate & 1.99% interest rate to the dealerships monthly payment. The lower payment is the better deal. EVEN BETTER! 1.99% New Cars and Trucks will be financed at 1.99% interest rate for up to 6 years. NEWS FLASH! 3.99% Motorcycles, and Motorhomes will be financed at 3.99% interest rate for up to 6 years. As Low As 1.99% Interest on New New Cars & Trucks will be financed at: 2012- 2011 NEW 1.99% up to 6 years New Motorhomes, Motorcycles, Campers, Tractors will be financed at: 2012 - 2011 New 3.99% for up to 6 years ALSO USED CARS, TRUCKS, MOTORHOMES, MOTORCYCLES, CAMPERS, AND TRACTORS: 2010-2009 4.5% 2008 is 5.00% 2007 is 5.25% 2006 is 5.75% 2005 - 2004 is 6.00% 2003 - 2002 6.25% 2001 - Older 7.25% 4.5% on Home Equity Lines of Credit Home Equity Interest Rates are 4.5% on new and existing Variable, Line of Credit with a 15 year payback. 6.0% on Fixed Home Equity Loans Home Equity Interest Rates are 6.0% on fixed rate home equity loans with a 15 year pay back. 10% Line of Credit The Credit Union is offering a line of credit of $10,000 at 10% fixed interest. No more applications once you are approved. 10% LOAN INTEREST REBATE PAID The Credit Union has given a 10% interest rebate AGAIN THIS YEAR on all loans with 6% interest rates and greater for the year of 2011. We gave back more than $13,000.00 DO YOU KNOW OF ANY OTHER BANK OR CREDIT UNION THAT GIVES YOU A REBATE ON INTEREST?		.5% DIVIDEND PAID ON SHARES A .5% APR was paid on all share accounts for the 3rd Quarter (Oct.-Dec. 2011). The dividend is figured on your daily balance and credited to your account on Dec 31, 2011. The Annual Percentage Yield (APY) is .56%. The dividend for 2011 is based on the daily balance in your account. CHRISTMAS CLUB The Christmas Club for 2011 paid into your share account on November 1, 2011 with interest of .75% (APY). Start your new Christmas Club Account for 2012 today. STILL PAYING HIGH FEES? We make $0 on fees from you. So the next time you are charged $30.00 for an NSF check ask yourself, "Don't I want to enjoy my money"? If you bank here, we will call you if you make a mistake. Free Checks--Direct Deposit If you have your Social Security, State Retirement, or Payroll checks deposited directly into your account, you are eligible for free checks. ANY CHANGES??? Please let us know if you have any address, home phone, cell phone, or work phone changes. We need to keep our records updated so we can contact you if needed. ATM/Debit Cards The Credit Union offers ATM/Debit Cards. You may use the card (checking only) at most stores and be able to get cash back with no charges. Also, you may use it at any ATM machine with NYCE or Cirrus logos. `If you need an application or more information, you may call the office or download the application under the loan section.` PAYROLL DEDUCTION Put a little away each pay for those unforeseen needs. You can have payroll deduction or direct deposit into your credit union account. If you have direct deposit going to some other bank, you can still have a deduction going into your credit union account. That way you have a little cushion for those unexpected bills.