FALL 2014 Have You Got Your Apps Yet? Notes of Interest t e closes Locate th g your in s u Gift Cards – Always available, but M free AT or location especially helpful during the Holiday current ur o y f o s s Season! Load a MasterCard Gift Card an addre g. with up to $1,000 for only $3.00. Don’t choosin try to guess what they want, worry with wrapping or the cost of shipping. e mobil They really will appreciate Make s by it s o p de Locate the the beauty and security of check ing your r closest Shared plastic cash. registe count. ac Branch location TTCU Daylight Savings Time – using your Ends Sunday, November 2nd. current location or an address of Christmas Club Accounts – your choosing. If you opened a Christmas Club account last year, the funds you’ve been saving will be transferred to your share account *NEW* TTCU App! on October 31, 2014. Enjoy pre-paid shopping plus the 1.00% interest With the new app you can: With the new app* you can: Tran you earned too! Priceless! Open a s f e rf - Check account balances betw Christmas Club Account for 2015 and n Check account balances een unds fri start saving today! or m n View recent transactions - View recent transactions ake ends loan y pay our n Transfer funds between n Paper Statement Fee– betwee funds r m Transfe usi en In an effort to eliminate rising “snail you ng eith t accounts accounts er r rou mail” member statement production ting acco n Pay bills with E-Pay a u - Pay bills with E-Pay or y nt num nd and mailing expense, the credit union our ber, n Find Free ATMs and d will implement a Paper Statement e bi info - Find ATMs and Shared rma t card Shared Branch locations Fee, $2.00 per copy, effective with the tion ns locatio Branch . October 31, 2014 statement run. A Paper Statement Fee waiver is already in place for all member accounts in Free Mobile Deposits are also which the primary owner is less than 17 years of age or greater than 60 years available through the Sprig by of age. The good news is, we offer CO-OP app! Using your iPhone Free E-Statements which are more or Android, you may now timely, secure and convenient. All deposit your checks into your account types, except First Mortgage or MasterCard/MasterCard Gold TTCU account! are eligible for Free E-statements. Enrollment is easy, all you have to * Please use your established login and password to access your account through the TTCU app. If you know is your member number, your have not accessed your account online previously, your login is your member number and your initial primary phone number listed on your password is the last four digits of your primary phone number. If you require assistance during normal account, and the email listed on your business hours just give us a call. If you require assistance after normal business hours call Mobile Services account! Join the thousands of TTCU Support at 214-709-3988. members that have Free E-Statements today. Once you have logged in to Virtual Branch*: n Click “Self Service” tab at top n Under Additional Services, click “E-Statements” n Verify your email address, click “I Agree” n Disclosure page will appear; Click “Accept” *If you’ve never used Virtual Branch before, start at www.textelcu.org and click the green rectangle. Your login ID is your member number, and your initial password is the last four digits of your primary phone number. Beginning with your next statement cycle, you will receive a notification via email each time a new statement is available. If you require assistance during normal business hours just give us a call. If you require assistance after normal business hours call Mobile Services Support at 214-709-3988. It’s here! The brand new Texas Telcom Credit Union app is ready for download today!! Holiday Skip-A-Pay Take a Holiday Break on Us! Skip the November payment on your qualifying loan(s)* with us! There is a low $20 processing fee to be payment free for a month. Simply fill out the form below and scan and email to [email protected], fax to 214-320-8875, or snail mail it to 8818 Garland Road, Dallas, Texas 75218. Skip-A-Pay Authorization Form Take the $20 fee (per loan) from my: ❑ Savings Account ❑ Checking Account Member Name:______________________________________ Member #___________________ Loan #:_________________ Due Date to be Skipped:_______________________________ Member Signature:___________________________________ By signing above, you authorize Texas Telcom Credit Union to extend your final loan payment(s) by one month. Interest will continue to accumulate on your loan(s) during the month you skip your payment. *To be eligible, you cannot have had an extension in the past six months and the loan(s) cannot be more than 10 days past due. Not valid on credit card, term, or real estate loans. Skip-A-Pay requests must be received by the end of business on Friday, October 24, 2014. Certificates of Deposit Tiers Dividend Rates as of October 1, 2014 as of October 1, 2014 Minimum Balance 6 Months* 12 Months* 24 Months* 36 Months* 60 Months* $1,000 *0.75% *0.75% *0.85% *0.95% *1.05% $25,000 *0.85% *0.85% *0.95% *1.15% *1.25% $50,000 *0.95% *0.95% *1.05% *1.35% *1.45% $75,000 ∞ Negotiable ∞ ∞ ∞ ∞ $245,000 N/A † Negotiable † † † * Annual Percentage Yield. ∞ Jumbo-Negotiable, available 1-2 year term. † Super Jumbo-Negotiable, plus 10 basis points or best rate on the grid plus 10 basis points. I Jumbo- Institutional, available 2-3 year term, market conditions or best rate on the grid minus 20 basis points. Must be greater than or equal to $100,000. Early withdrawal penalty. Rates and Terms may change without notice. SAVINGS ACCOUNT.... APY* $500–$24,999.99...... 0.50% $25,000 and up........ 0.75% Kids Club.................. 1.00% Christmas Club........ 1.00% CHECKING ACCOUNT $300–$999.99........... 0.00% $1,000 and up.......... 0.00% ENHANCED CHECKING $0–$5,000.................. 2.25% Non-qualified earns... 0.05% BABY BOOMER CHECKING $5,000 and up.......... 0.50% IRA ACCOUNT $0.00–$4,999.99....... 1.00% $5,000–$24,999.99... 1.00% $25,000–$74,999.99. 1.25% $75,000 and up........ 1.25% *Annual Percentage Yield Loan Rates as of October 1, 2014 NEW VEHICLES* Available APRs † 36 months....................................................... .9% 1 48 months............................................... w as o l 60 months........................................ as 72 months...................................as low as 2.25% # USED VEHICLES YearTerm Available APRs 15-14...............60 months.................................. % 13–12..............48 months........................... 2.25 11–09..............36 months.................. as w 08–05..............24 months......... s lo a UNSECUREDAPR Signature up to 60 months........10.00%–18.00% MasterCard................................................ 13.90% MasterCard Gold....................................... 12.50% Line of Credit................................. 9.00%-10.00% SECUREDAPR Savings............................................. Div. + 2.50% Certificate.......................................... Div. + 2.50% REAL ESTATE First Mortgage.............................. Call for Details NEW R.V. OR WATERCRAFT APR 48 months......................................5.75%–12.25% 60 months......................................6.00%–12.50% 72 months......................................6.25%–12.75% USED R.V. OR WATERCRAFT@ ........................................................6.50%–14.50% † All rates shown are Annual Percentage Rates (APR) * 100% financing including tax, title and license. # Financing amount based on NADA Trade-In. @ Sixth Annual Toy Drive Please join us again this Holiday Season in making donations for the Children at the Salvation Army Homeless Shelter. Unwrapped toys, nonperishable food items, clothing, and monetary donations will be accepted for the families and children of all ages. A donation box will be located in the credit union lobby the week of Thanksgiving through December 11, 2014, when we will deliver all donations in time for Holiday distribution. If you have any questions please contact Mrs. Faith Hernandez, Office Manager at [email protected]. Thanks for helping us help others! Holiday Closings Model year determines available financing terms. The Quarterly Newsletter is published by Texas Telcom Credit Union to keep our members informed about their credit union. The financial services offered by TTCU may have specific terms and fees, contact our office for more details. BOARD OF DIRECTORS Michael Robbins—Chairman Jim Williams—Vice Chairman Martin Daniel—Treasurer W.L. Ashwood—Secretary Robert Edmondson, Jr. n Joyce Liptak Ed Long, Jr. n Larry Starrett MAIN OFFICE 8818 Garland Road, Dallas, Texas 75218 Stephen J. Gibson—President/CEO Jay Mounce—Lending Manager Faith Hernandez—Office Manager 214-320-8818 | 800-492-4264 Fax 214-320-8875 Scan & Email: [email protected] Lobby Hours: 9:00 a.m.–5:00 p.m. LOAN SERVICES – 214-709-8854 MOBILE SERVICES – 214-709-3988 MONEYLINE 24-hours a day, every day! 800-310-9398 www.textelcu.org The credit union will be closed in observance of the following holidays: *Columbus Day, Monday, October 13 *Veterans’ Day, Tuesday, November 11 *Thanksgiving, Thursday, November 27; Friday, November 28 *Christmas, W ednesday, December 24, @ 2 p.m.; Thursday, December 25 *New Year’s, Wednesday, December 31, @ 2 p.m.; Thursday, January 1 Federally Insured by NÇUA. “We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.” According to the Texas Administrative Code, members are entitled to request and review copies of certain documents related to the credit union’s finances and management. For more information on which types of documents may be requested, or to request the documents, please contact TTCU in writing. © 2014 Credit Union Resources, Inc. All rights reserved. 14-0910