Rate APY 0.15% 0.15% Savings/Club All Balances 75 Always Available 475 54 FLUSHING 75 23 Checking 0-2999 0.10% 0.10% 3000 & UP 0.20% 0.20% Sample of Investment Rates Terms Rate APY 0.20% 0.20% 0.30% 0.30% $50,000 - $99,999 0.40% 0.40% $100,000 - $199,999 0.50% 0.50% $200,000 and up 0.60% 0.60% 12 months $1000.00 0.50% 0.50% 24 months $1000.00 0.70% 0.70% 36 months $1000.00 0.90% 0.90% 48 months $1000.00 1.10% 1.10% Rates as of November 19, 2014. Subject to change at any time without notice. Please call for current rates. APY = Annual Percentage Yield. D RD. AV I S O N LAPEER DeMILLE RD. DAVISON 24 15 HILL RD. GRAND BLANC 23 54 H O L LY R D . $1000 - $9,999 $10,000 - $49,999 69 FLINT FENTON RD. Savings Plus Minimum Balance 69 24 15 In Person 2845 Davison Road East of Dort Hwy. 5091 W. Pierson Road West of Linden Road 1091 W. Hill Road West of Fenton Road 1441 S. State Road South of I-69 9050 Holly Road East of I-75 14265 Fenton Road North of S. Long Lake Road 1724 DeMille Road West of Main Street Lapeer Loan Scoreboard APRs as Low as Terms Up To New Vehicles 1.99% 72 months Used Vehicles 1.99% 72 months Recreational Vehicles & Boats 1.99% 180 months** Jet Ski, Snowmobile, 4-Wheelers 1.99% 60 months Home Equity (fixed) 3.00% 120 months HELOC (equity line of credit with variable rate) Mortgages Internet 810.767.8390 800.521.3796 810.235.3211 TDD www.DortOnline.org [email protected] Dort By Phone 810.600.4093 866.388.7336 Mail P.O. Box 1635 Flint, MI 48501-1635 Lost/Stolen VISA 800.543.5073 Call for current rates CAL (Cash Action Line with variable rate) VISA Credit Card Rates 4.00% APR Telephone 12.00% 9.50%-18.00 % Finance rate commitment is based on individual credit history. The rate shown is offered to members with excellent credit. The rate may increase when there have been issues with credit history. *Terms may vary according to age and value of collateral as well as loan amount. Hours All locations Monday-Friday, Drive-Up Tellers and Call Center ONLY: 8am to 6pm Full Service: 9am to 6pm All Locations Saturday Hours Full Service: 9am to 12:30pm **Loan with terms exceeding 144 months must meet IRS requirements for Home Mortgage Interest Deduction. APR = Annual Percentage Rate ***180 month terms available for loans of $25,000 Dort Federal has a variety of lending programs available. Let our friendly, knowledgeable staff help you select what best fits your situation. Rates subject to change without notice. Please call for current rates and terms. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. www.dortonline.org Shared Interest Anticipated Dividends Paid Quarterly Minimum on Deposit December 2014 Happy Holidays!!! D ort Federal’s Board of Directors and Team Members wish you and your family a safe and happy holiday season! Planning for the Holidays The holidays always seem to be just around the corner. Holidays and gifts can take a big bite out of your budget so planning ahead will help keep your budget under control. Back row from left to right: Kyle Finch, Davison Road office; Wayne Natzke, First Vice Chair, Board of Directors; Bruce Allan, Second Vice Chair, Board of Directors; Lee Rhoads and Roger Mills, Davison Road office; Jeff Sells, Volunteer, Board of Directors. Front row from left to right: Marce Osborne, Marsha Kuzava, and Andrea Hyde, Davison Road office. Get a Jump On the 2015 Holiday Season I t’s never too early to start saving for next Christmas and Dort Federal’s Christmas Club makes it easy! Just deposit a few dollars per pay period and you can have all the money you need for next Christmas. Stop by any location and set-up your Christmas Club account today! S ave $5.00 a week, have The following are suggestions to help relieve holiday stress: Shop early for gifts. This allows you to take advantage of sales, specials and bargains. Don't over buy or forget you have already shopped for someone. Make your own gifts. Use skills you have to sew, bake, paint or make crafts. Don't be a "One gift for you...one gift for me" shopper! And, don't be tempted to give your gifts early lest you buy more! Use layaway plans if possible. Most allow you to pay at a rate you can afford either weekly or monthly. If you have a large family, consider drawing names to exchange gifts. S hop your local craft fairs and shows for specialty items - you'll find some great ideas. Sometimes you can bargain with the vendor. F amily members would appreciate an IOU to mow the lawn or wash the car in the spring. If you plan to fill stockings or bags for the children, try putting a few pieces of fruit (apples & oranges) in the bottom first. Also, coloring books and scratch pads make great inexpensive fillers. Know your merchants' return policies before buying. Don't forget to plan ahead for expenses such as holiday decorations, special candies, baking supplies (especially if baking for gifts), increased utility bills, food consumption and wrapping paper. These expenses are rarely considered and can really add up fast. $260.00 to spend next year! S ave $10.00 a week, have $520.00 to spend next year! S ave $25.00 a week, have $1,300.00 to spend next year! Need help with a holiday budget? As a member of Dort Federal Credit Union, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1.877.337.3399 or visit them on the web at www.greenpathref.com. Dort Federal Credit Union 1,000 $ Begins November 10th H ave a grand holiday on us, with the Grand Holiday Loan! It’s simple, just come in to any of our offices and say you want to have a Grand Holiday and we’ll loan you $1,000! It’s that’s easy… all you need is $1,500 monthly direct deposit with us, three months of verifiable employment and you’re on your way to a Grand Holiday! It’s a no worry, hassle-free loan so you can kick-back and relax this holiday season… * * * No No Credit Credit Check Check Guaranteed Guaranteed Approval* Approval* Quick, Quick, 12 12 Month Month Term Term Greater Flint | Davison Grand Blanc | Fenton | Lapeer 810.767.8390 | dortonline.org Student Scholarship Program W GRAND HOLIDAY LOAN Details Amount Financed (the amount of credit provided to you) Itemization of Amount Financed (amount given to you) Finance Charge (the dollar amount the credit will cost you) *Annual Percentage Rate 17.9% (the cost of your credit as a yearly rate) Total Insurance (Credit Life & Disability) $1,000 $1,000 $99.04 17.9% $24.62 e are awarding three scholarships in the amount of $1,000 each to graduating high school seniors or older students seeking to further education after high school. The scholarship is open to Dort Federal members in good standing who have been a member for at least one year You must be a 2015 or earlier High School Graduate with a minimum GPA of 2.5 The deadline for applications is March 1, 2015 For more information or to apply, go to dortonline.org. Total Payback: $1,123.66 ayment Schedule: 11 @ $95.00, 1 final @ $78.66 Total of Payments: P $1,123.66 (the amount you will have paid when you have made all scheduled payments). Credit life and disability insurance is included for those eligible. Total finance charge may vary depending on total number of payments. *Loan subject to having direct deposit equaling $1,500 per month your Dort Federal Credit Union account with three-months verifiable employment in the form of pay stubs. $1,000 will be available when 1st $1,500 direct deposit is received. Loan is based on 17.9% annual percentage rate and a 12-month term. One loan per member. Approval based on no anticipated changes to financial status for next 12 months. Other restrictions may apply. See a Dort Federal Member Service Representative for details. Rates, terms and conditions may vary and are subject to change at any time without notice. Offer good through January 31, 2015. Credit life and disability insurance included for those eligible. Postpone-A-Payment E veryone could use a little extra cash this holiday season! Ask about postponing your December 2014 or January 2015 Dort Federal loan payments. For more information stop by any of our seven, convenient locations or call 810.767.8390 or 800.521.3796. *This is a special promotion. Certain loans do not apply. Ask a Member Service Representative for more information. Keep the Rewards Coming! D ort Federal’s Visa Platinum ScoreCard Point/Flex Rewards cardholders will be getting a little boost this fall by earning DOUBLE* ScoreCard Point/Flex Rewards on ALL purchases through December 31, 2014. Simply use your Dort Federal Visa Platinum ScoreCard Point/Flex Rewards card and start earning double points now! ScoreCard Point/Flex Rewards can be redeemed for a variety of gifts and travel, such as airline tickets, hotels, and much more! Don’t have a card? You can apply online or at any of our seven conveniently located offices, today! *Double ScoreCard Point/Flex Rewards are earned on ALL purchases October 1, 2014 through December 31, 2014. Purchases made before and after the promotional dates will receive one ScoreCard Reward point per dollar spent. Earned ScoreCard Rewards points appear on monthly billing statements. For ScoreCard Point/Flex Rewards information, including redemption info and catalog, go to www.scorecardrewards.com. Put a Smile on a Snowman! Y ou can put a smile on a snowman and help local families in need during Dort Federal’s Annual Snowman Sales through December 12! This year when you buy a snowman for $1.00, $5.00, $10.00, $25.00 or $50.00, the proceeds will go to the Mission of Hope and the Old Newsboys. For more information on this year's charities, go to dortonline.org/snowmen. Look for the smiling snowmen at each Dort Federal office and draw a special smile on your snowman today! Mark Your Calendar - 2014 Holiday Hours December Wednesday, Dec. 24thChristmas Eve All offices: drive-up service open 8:00 AM to 12:30 PM All offices: full-service open 9:00 AM to 12:30 PM Thursday, Dec. 25th Christmas Day All offices are closed Friday, Dec. 26th All offices are open for normal business hours Wednesday, Dec. 31st New Year’s Eve All offices: drive-up service open 8:00 AM to 12:30 PM All offices: full-service open 9:00 AM to 12:30 PM January Thursday, Jan. 1st New Year’s Day All offices are closed Friday, Jan. 2nd All offices are open for normal business hours December SU M TU W TH FR SA 7 14 21 28 1 8 15 22 29 2 9 16 23 30 3 10 17 24 31 4 11 18 25 5 12 19 26 6 13 20 27 W TH FR SA 7 14 21 28 1 8 15 22 29 2 9 16 23 30 3 10 17 24 31 January SU 4 11 18 25 M 5 12 19 26 TU 6 13 20 27 2015 North American International Auto Show V Congratulations to Our Winners! Barbara G. & Jordan A.! isit the North American International Auto Show at Cobo Center in Detroit, January 17 – January 25, 2015 for less, compliments of Dort Federal! A limited supply of tickets will be available at all Dort Federal offices beginning December 11, 2014, for just $9.00 each*. Dort Federal discounted tickets can be used any day during the public show. Purchase auto show tickets for friends, family, or stocking stuffers! Get your discounted tickets starting December 11, 2014. *Please note that the senior rate (65+) is $7.00, and the children’s rate (7-12) is $7.00. These tickets must be purchased on the day used at a ticket booth at the show. Ticket booths are located throughout the concourse. Children 6 and under are free when accompanied by a parent.
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