www.memcu.com In This Issue: • • • • • • • Spring Cleaning Financial Solutions Wig Walk Charity Golf Tourney Sprint Discounts Carowinds Discounts El Rincon Latino/ Latino Corner Financial Solutions Financial Solutions, a program by Money Management International (MMI), is designed to assist our members in reaching their personal financial goals. Whether your goal is to create a budget, buy your first home, get out of debt, or just educate yourself more on the topic of personal finance, the Financial Solutions program can help. This benefit is free for our members. To learn more please visit: memcu.com/ financial-solutions Credit Unions Look Out for the Little Guy! April 1, 2014 Financial Spring Cleaning The onset of spring is the perfect time for a thorough spring cleaning. Recently, I spent an afternoon cleaning out my garage. As I labored over a year’s worth of junk, I began to think how beneficial it is to spring clean your finances. Just like the junk in your garage there are cobwebs in your financial portfolio too. Weeding out false information on your credit report is one way to spruce up your financial portfolio. A credit report is a detailed list of your credit and bill repayment history. Make sure that all the accounts listed in the report are in good standing and call the bureau to dispute any inaccuracies that you find. The Fair Credit Reporting Act requires that each national credit bureau provide you with a free copy of your credit report every year. To get your free credit report visit annualcreditreport.com or call 1-877-3228228. Another way to organize your finances is to simplify your bill paying habits. Members who have a Members CU Checking Account are eligible to sign up for our free online bill paying service, eBill. You can create payee profiles for all your monthly bills and receive notifications when a new bill is ready to be viewed online. Pay a bill one time, or schedule your payments for an entire year. Not only will you eliminate the need to buy stamps and envelopes, but you don’t have to enter your personal information into all of your payee’s separate websites. You just need to keep up with one set of login credentials for eBill. Accumulating frivolous credit cards can clutter up your personal finances. My advice is to close the accounts that you don’t need. Too many credit cards can be a hazard. Not only is there more temptation to overspend, but the potential to have a credit card stolen is greater. Narrow down your credit cards and keep one or two that are widely accepted. Consider keeping one of your longest held credit cards open. Closing all of your older credit card accounts will shorten your credit history and this could count against the strength of your credit score. If your finances are hurting due to significant credit card debt Members CU can help you manage it with a Debt Consolidation Loan. Finance up to $15,000 of non-MCU related debt into one affordable fixed rate loan. Take the time to organize your finances, streamline your bill payment process and consolidate debt. Once you have eliminated financial clutter your financial future is sure to sparkle. Thank you for your support and membership. Jack V. Braswell, Jr. President/CEO of MCU Third Annual Wig Walk in Caldwell County Members CU sponsored the first Wig Walk in 2012 to raise money for the Wig Bank of Caldwell County, a non profit cancer services center that provides prosthetic wigs for cancer patients, promotes the importance of cancer screenings, and provides funds to cancer patients for transportation to cancer treatment centers. Since the first Wig Walk in Lenoir, Members CU has held two more Wig Walks for the Caldwell County and Catawba County Wig Banks. Thanks to overwhelming community support, we raised a total of $16,300 that helped these organizations serve cancer patients in Western North Carolina. The need to help cancer patients is still great. We live in a state that is Employees and members competed ranked #2 in the South Atlantic Region for developing cancer. That’s why our in the 2013 wig contest. efforts must continue. Members CU will hold the annual Wig Walk to benefit the Wig Bank of Caldwell County on Saturday, May 10th at the United Presbyterian Church (UPC) on Pennell St. in Lenoir. You can get involved by registering to walk on Saturday, May 10th or donating money at any of our Members CU branch locations. Register to Walk: Visit memcu.com/wig-walk, print a “Walk Registration Form”, drop off your form and registration payment at you local Members CU or mail it to ATTN: Carla Kimel, PO Box 5297, Winston-Salem, NC 27113 (please mail checks only). Early registration is accepted at all MCU locations for $20. The cost to register on the day of the event at UPC is $25. Participants are encouraged to wear a costume wig during the walk and enter the wig contest. Registration begins at 9 AM and the walk begins at 10 AM. Honor Someone at the Wig Walk: You can honor someone who has battled cancer by being T-shirt sponsor. This $100 sponsor level includes one name printed on the 2014 Wig Walk T-shirt, one Wig Walk T-shirt, registration for one at the Wig Walk on May 10, and a Wig Walk tote bag. Donations and names for the T-shirt sponsor must be received by April 5th. There are only 21 spots available. 100% of the proceeds from the Wig Walk will benefit the Wig Bank of Caldwell County. To learn more about the Wig Bank visit wigbank.org. Members CU Annual Charity Golf Tournament On Friday, May 2, 2014 Members CU will hold its annual Charity Golf Tournament at the Salem Glen Golf and Country Club in Clemmons, NC. This year’s tournament will benefit two very worthy causes. The proceeds will be divided equally between the Members CU Scholarship Fund and The Wig Walk that supports both the Wig Bank of Caldwell County and The Catawba County Wig Bank. Members CU invites you and your company to join us as a sponsor to help support these two worthy causes. There are three levels of sponsorship. As a Platinum, Gold or Silver Sponsor, you will receive recognition and other benefits at the Golf Tournament. Please contact Eric Stiff if you would like to register to play or sponsor a hole. Call 800-951-8000, ext 134 or email him at [email protected]. About Members CU’s Scholarship Fund: Established in 1996 to provide funds to help members further their education. Thanks to participants and sponsors of last year’s Charity Golf Tournament, Members CU awarded 12 scholarships to members, totaling $13,000 for the 2013-2014 academic year. About The Wig Walk: An annual event held in Caldwell and Catawba County that supports each county’s local Wig Bank. Details about our upcoming Wig Walk in Lenoir on May 10th are available on page two of this newsletter and at memcu. com/wig-walk. Talk About Savings The Sprint Credit Union Member Discount Let us introduce you to valuable savings on monthly wireless bills– plus waived activation and upgrade fees. It’s all possible thanks to Members Credit Union, Invest in America and Sprint’s Credit Union Member Discount program. Ways you can save: • 10% off*select personal Sprint plans • 15% off*select business Sprint plans • Waived activation fee on new activations • Waived upgrade fee • Available to new and existing Sprint customers 3 Ways to Get Your Discount: 1. Call 877.SAVE.4CU (877.728.3428) and tell them you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. 2. Visit LoveMyCreditUnion.org/Sprint 3. Visit your nearest Sprint store. Start saving with Sprint today! *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. Carowinds Discount Summer time is near and what better way to celebrate than with a trip to the thrill capital of the Southeast? Carowinds is open for business and has something for the whole family. Roller-coasters, a water-park and live entertainment are just a few of the activities you can enjoy. Before you plan your day trip, visit your credit union for discounts on Carowinds tickets. Purchase special MCU July weekend tickets online for $35 (July 5, 6, 12, 13, 19, 20, 26, or 27). You can also buy tickets for $38 online or at any of our branch locations. Tickets are good for any day the park is open, except during SCarowinds Halloween Haunt. Carowinds charges $58 at their gate for a regular adult ticket. Your Members CU membership can save you up to $20. Visit memcu.com/memberdiscounts to purchase MCU weekend or regular park tickets (Carowinds charges a $5.99 processing fee), or buy tickets at your local Members CU branch for $38. www.memcu.com/member-discounts Ashley’s Mortgage Minutes GOOD NEWS! I am so pleased to welcome Karla M. Amaya to my Fairway team. Karla is not only an experienced loan officer; she is fluent in Spanish and can greatly assist members needing the translation of loan documents. Customer Service is so important to both Members Credit Union AND Fairway Independent Mortgage. I am confident that Karla will be a fantastic addition to our Fairway family and she looks forward to serving you all. Here is Karla’s contact: Karla M. Amaya Loan Officer (Hablo Español) NMLS ID# 336441 Office 336-251-1101 Mobile 336-908-7888 [email protected] Ashley Ashley McKenzie-Sharpe Senior Loan Officer NMLS#100776 Office: 336-748-4599 Cell: 336-575-9448 Email: [email protected] www.LoansByAshley.com Karla M. Amaya NMLS#2289 El Rincón Latino: Mundial de Fútbol Se acerca la Copa Mundial de Fútbol de la FIFA en Brasil en Junio de este año. Nuestro equipo de los Estados Unidos volvió a clasificar y vamos a hacer fuerza para que lleguemos mas lejos que en las anteriores. Members CU consiente de su importancia para nuestros hinchas ha querido mostrar que una ves mas hacemos equipo contigo, el número 10 de tu familia. Hemos diseñado una camiseta donde el logo del equipo es el logo de MCU, simulando nuestra bandera Americana pero con nuestros colores. El color azul está en todos lados de la camiseta para mostrar que somos un solo equipo. Por supuesto el número del jugador es el 10 por que usted es el armador de todo el juego. Lo invitamos a que traiga un amigo o pariente que abra una cuenta de cheques o cualquier otro producto con estados de cuenta por internet . Por referir a su amigo, usted entrará en la rifa de una tarjeta pre-paga de $200.00 y por cada cinco amigos que traiga recibirá una camiseta gratis. Su amigo recibirá gratis una camiseta conmemorativa. Si se le complica traer a alguien pero de todos modos quiere una camiseta gratis abra un nuevo producto o cuenta, adicional a lo que tiene, pásese a los estados de cuenta por internet y/o inscríbase en depósito directo. Queremos que se ponga la camiseta como recuerdo de este magno evento, queremos que los que ya están en nuestro equipo traigan nuevos números 10 para que tengan ese recuerdo. Buena suerte. Bessy Osorio [email protected] 336-748-4800 X 171 English translation available here: www.memcu.com/latino-corner 5th Graders Learn About the Reality of Finance Members CU held a Financial Reality Fair at Carter G. Woodson, in Winston-Salem for 30 fifth graders. The students were given a new pretend identity with a career, income and family. Based on their income they were challenged to buy everything their family needed for a month while staying within their budget. In the picture above Rob Semar, Internal Auditor for Members CU, guides students through the portion of the program where they are to choose how much to spend on entertainment for their family. Important Dates in April • • All of Members CU’s locations will be closed on Friday, April 18 to observe Good Friday. Taxes are due. Tax forms must be submitted electronically or postmarked by Tuesday, April 15. Members CU’s Current Rates Loan Rates (Rates shown as Annual Percentage Rate) Fixed Rate Loans New Car or Truck .............. as low as1.75%* Used Car or Truck.............. as low as1.75%* * Rate is subject to qualifications. Vacation/Christmas ........................ 10.75% First Mortgage...................(Call for a quote) Land........................................... Prime+1% Variable Rate Loans Boats and RVs ...................................7.50% Visa Credit Card, Personal Loan or Unsecured Credit Line ........................ 10.25% Equity Access ................................... 5.50% Savings/Certificate Secured................... 2.00% Savings Rates (Rates shown as Annual Percentage Yield) Share, Trust, & Custodian Accts. ......... 0.15% Checking Accounts ........................... 0.05% Super 60 Savings ............................. 0.30% Money Market Accounts .................... 0.20% Christmas Club ................................. 0.05% IRAs ................................From 0.30-0.80% 5-Month Certificate .......................... 0.15% 6-Month Certificate.......................... 0.20% 12-Month Certificate ........................ .0.30% 18-Month Certificate ......................... 0.40% 24-Month Certificate ......................... 0.50% 36-Month Certificate ......................... 0.70% 60-Month Certificate......................... 0.80% NOTE: Rates shown throughout this publication were in effect at press time, but are subject to change without notice. Current rates can be obtained via the contact information below. Members Credit Union 2098 Frontis Plaza Blvd. P. O. Box 5297 Winston-Salem, NC 27113 (336) 748-4800 (800) 951-8000 (toll-free) www.memcu.com Federally Insured by the NCUA
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