Sh a red In te rest - Dort Federal Credit Union

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
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January
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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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