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Annual
Membership Meeting
Mark your calendar!
The 55th Annual credit union membership meeting is just around
the corner. Our annual meeting will be held at Gallo's Italian
Villa in New Castle, PA.
Date:
Saturday,
March 15, 2008
Place:
Gallo's Italian Villa
2420 Wilmington Road, New Castle, PA 16105
Time:
5:30-6:00 C Registration
6:00-6:30 C Business Meeting
6:30-9:00 C Dinner
Reservations
are required and are $6.00 for members and $11.00 for non-member
guests. To make your reservations, complete the enclosed form
and return it, along with your payment. Members may also make
their reservations by telehoning our office at (724) 654-8485
and payment will be deducted from your account. Make your reservation
and come join us for an evening of good food and fun. Reservations
should be made by March 10, 2008.
Director
Nominations
Nominations
to the Board of Directors are now being accepted. There are two
director positions open for election with each director serving
a three-year term.
The Board of Directors is responsible for planning, directing
and operating the credit union in a safe and sound manner. Directors
are required to meet monthly and attend to other credit union
business as needed. members who are interested in serving on the
board should submit their name to the credit union.
All nominations received
before
March 10, 2008
will appear on the ballot.
Members also interested in serving on a committee may also submit
their name to the credit union.
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Traveler's
Cheques Update
VISA recently
announced that they will discontinue offering their VISA Traveler's
Cheques. Please note that after December 31, 2007, traveler's
cheques will not be available at the credit union.
VISA cited decreased sales as a result of increased competition
from plastic debit/credit cards as their reason for no longer
offering traveler's cheques. VISA suggested offering our members
VISA's Travel Card solution. We have looked into this product
and decided that the travel card is similar to a debit card.
The credit union has decided not to offer VISA's solution, but
to pursue a credit union-issued VISA debit card.
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The credit union has begun
looking into upgrading our STAR ATM program and offering a VISA
or MasterCard debit card program. The current STAR ATM card allows
members to access their accounts using an ATM, along with limited
point of sale transactions. The implementation of a debit card
program would allow checking accountholders to make point of
sale purchases anywhere VISA or MasterCard is accepted and reduce
the number of checks written. Debit transactions then would be
deducted from your checking account balance. You will still be
able to access your account through the ATM.
The credit union will continue to update you as more information
becomes available. |
Is your ATM getting twisted?
Make sure today's
higher rates don't turn into higher payments.
If you financed your home equity with an adjustable rate mortgage
(ARM), your interest rate may have increased along with your
payment. Don't get stuck with higher payments. Consider a fixed
rate home equity loan with your credit union. We will work with
you to ensure that you have an affordable payment and peace of
mind. Contact our office for more information at (724) 654-8485. |
24-Hour
Access with
Online
Banking
Did you know that
you can access your credit union account 24 hours a day from
the comfort of your home? With online banking, there are no more
phone calls or waiting to see if your deposit was received or
if a check cleared your account.
Members can obtain share and loan balances, transfer funds between
accounts, request a check withdrawal or view/print check images
at their convenience. You also have the option to receive your
monthly or quarterly account statement online.
Call or stop in the credit union office today and start accessing
your account online.
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Income
Tax
Direct Deposit |
Direct deposit
is a fast, convenient and safe way to receive your income tax
refund this year. If you want your income tax refund direct deposited
to your credit union account, you must use the following routing
and transit number: 243382873
Along with the routing and transit number, you will need to provide
your account number that appears on your member statement. Indicate
on your tax return whether you want your refund deposited to
your savings or checking account. If you have any questions,
please contact the credit union office at (724) 654-8485. |
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Did
you know we offer . . .
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Savings Products
Share Savings Accounts
Checking Accounts
Club Savings Accounts
Certificates of Deposit
IRA Accounts
Other Services
Money Orders
STAR ATM cards
Travelers Checks
Online Internet Banking
Direct Deposit/Payroll
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Loan Products
Home Equity Loans
New Vehicle Loans
Used Vehicle Loans
Motorcycle/ATV/Boat Loans
Recreational Loans
Personal Signature Loans
Share Secured Loans
Student Loan Program - PHEAA/AES
VISA Credit Cards |
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New Auto loan:
60 months:
5.25% APR |
New Auto loan:
66/72 months:
6.50% APR |
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*Lower rates apply
to shorter terms |
Rates as of 3/18/08 |
Used Auto loan
- 2006
60 months:
6.50% APR |
Used Auto loan
2000-2005
60 months:
6.75% APR |
New Recreational
Vehicle:
7.50% APR |
Used Recreational
Vehicle:
8.50% APR |
Home Improvement
Loan
8.00% APR |
Personal Unsecured
Loan
11.99% APR |
Share Secured
Loan
4.99% APR |
Stock Secured
Loan:
9.00% APR |
VISA Credit Card
(No annual fee):
15.50% APR |
Home Equity Loans
5-yr.: 5.50% APR
10-yr.: 6.50% APR
15-yr.: 7.25% APR |
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Just
a
Reminder ...
Your
credit union office will be closed in observance of the following
holidays:
Martin
Luther King Day
Mon.,
Jan. 21, 2008
President's Day
Mon., Feb. 18, 2008
Good Friday at 1:00 p.m.
Fri., Mar. 21, 2008
You
can access your account 24 hours a day by using the STAR ATM
network or our Online Internet Banking on our HOME
page
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