Nina Padin. Member Services Supervisor

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2 Please to request the required form. Fall Business Mixer On Thursday, November 7th we opened our doors to our business friends in the community and enjoyed an evening of camaraderie. Nearly 50 local business owners and managers visited NorthStar s main office to network, share ideas, and get to know our staff a little better. Congratulations to our gift card winners including Ren Hughes of Community High School District 94 Education Foundation and Dr. Quinn Krenick of Buchar Family Chiropractic. We had a great evening with everyone and we hope those of you that attended enjoyed yourselves as well! Nina Padin Member Services Supervisor Meet Nina Padin, the Member Services Supervisor. Nina has been with NorthStar Credit Union since She started as a Member Service Representative and has worked her way up to oversee the department. Nina comes from a credit union family both her mother and aunt work for credit unions.she loves that our members are not just a number they are like family!. In her spare time she likes spending time with her family including her doggies! Nina also enjoys cooking, baking, being artsy (painting, drawing, sculpting), and enjoying her collection of music, movies, and TV. She is also a certified makeup artist in beauty and special effects! Family Photo Event Thirty-two families were able to take advantage of quality professional and affordable family photos this holiday season compliments of AnnaLynn Photography and NorthStar Credit Union. Each family received a free 8 x10 portrait as well as an opportunity to purchase additional prints or a CD of their session at special credit union prices. We had a wide variety of participants this year from puppies flying a holiday plane, to engagement photos, a Chicago Bears family, a Chicago Blackhawks family and more. Thank you to everyone that participated, it was a joy seeing all of the cute little outfits and smiles! Members that did not have an opportunity to schedule a session may contact Brianna Lewis, owner of AnnaLynn Photography at annalynnphotography@yahoo.com or (815) by December 31, 2013 to schedule an independent session and still receive special credit union pricing. #kindnessinaction

3 NorthStar Credit Union branches will CLOSE at 12:30pm on Christmas Eve 12/24 (Main Branch Drive Thru open until 1pm) All branches will be CLOSED on Christmas Day 12/25. (BP Campus will be CLOSED both days.) merry Christmas NorthStar is a Toys for Tots drop off location thru December 12th. NorthStar Credit Union branches will CLOSE at 12:30pm on New Year s Eve 12/31 (Main Branch Drive Thru open until 1pm) (BP Campus open 10:00am 12:00pm) All branches will be CLOSED on New Year s Day 1/1/14. NorthStar is a Little Friends Giving Tree location thru December 16th. "Your team always comes through for me whenever I need help!" ~ Daniel I OUR LOAN PRODUCTS Vehicle Loans New/Used Autos, Boats, RVs and Motorcycles 100% Financing is available on all auto loans. Home Equity Lines of Credit Fixed Rate Home Equity Loans Lifestyle Lines of Credit Personal Unsecured Loans Please contact any one of our Financial Service Reps for assistance with your loan: ext. 213 VISA Credit Cards VISA Gold, Platinum, Business and Student cards available. Travel and Reward benefits: call for rates. Small Business Loans Programs tailored to the needs of your business. Contact Bernie Niewoehner at ext. 151 for more information. "I have been a member since 1986 and they always go above and beyond to help me and give me excellent service." ~ Susan M

4 Smart Holiday Shopping Takes Planning and Control You say it every year after the holidays: "Next year I'm going to spend less money." It's easy to get carried away. It can be just as easy to stay financially fit, even during the busiest shopping season of the year. The Credit Union National Association, the trade association for credit unions, and the Consumer Federation of America, Washington, D.C., suggest these holiday spending tips: 1. Budget your spending and set goals: Start with a realistic idea of how much you can spend on holiday gifts, food, travel, and so on. Add it up and really give some thought to what you can afford. Think about where you might cut back and stick to your budget. 2. Make a list: Shop from a list to avoid impulse purchases that could leave you snowed under in debt at the end of the season. 3. Comparison shop: Take the time to find the best deal. Fight the urge to get your shopping over with as quickly as possible, and, for the procrastinator: Don't wait until the last minute! 4. Trim your interest payments: If you must pay with a credit card instead of using cash, use a card or a line of credit with a low-interest rate. Now is a good time to look for a lower-rate option - start at your credit union. 5. Open a holiday club account: Put some money in the account each month based on how much you spent this year; arrange to have that amount automatically deducted from your paycheck. This way, next year you'll have all the money you need. Plus, you'll earn interest rather than making big interest payments to finance next year's holiday shopping. Representatives at NorthStar Credit Union will be available throughout the holiday season to help you have a stress free shopping experience! You may have heard some of our staff mention a program called Benefits Plus+ over the last couple of months. You may have even enrolled. However, you re probably not alone when you find yourself wondering, what the heck is it?. Simply put, it s an all-encompassing discount program that NorthStar has bought into to provide our members a way to live life better for less. There s so much available it truly is a win -win for everyone. Take holiday shopping for example, where Benefits Plus+ members receive: Up to 33% CASH BACK (on top of what you may be getting with your credit card!) for online purchases made with over 450 retailers such as Walmart, Target, Best Buy and so many more. Up to 15% off on retail gift cards for places like Macy s, Kohl s, BassPro Shop, etc. or 10% off on restaurant gift cards such as Olive Garden, Red Lobster and Chili s just to name a few. Up to 10% OFF on retail and restaurant ecertificates at familiar places such as Amazon, Zappos.com, The Home Depot and more. Up to 87% OFF on local dining certificates through Dining Dough. And, that s really just the tip of the iceberg when it comes to Benefits Plus+. The program covers everything from grocery coupons, travel, and identity theft protection to movie discounts, dental care, extended repair coverage and more! But don t take our word for it, check out these stories: I m an unemployed union carpenter and I have no insurance. Unfortunately, I m in need of regular medication that without insurance is about $700 a month I just can t afford it so I don t take it and I m struggling. One of the employees at NorthStar told me about this Benefits Plus thing a while back but I was skeptical so I didn t do anything about it. Someone mentioned it to me again last weekend and she took it a step further to inquire on one of my specific medications the most important one that is $400 a month Turns out, with Benefits Plus, it is only $30.95! I can t even begin to tell you how grateful I am! Derrick B. Enrollment in Benefits Plus+ is just $5.95 per month for NorthStar members. You can easily recoup your monthly cost with the hundreds of dollars you can potentially save throughout the year by using the program. As an added bonus, NorthStar s Premier members will have the $5.95 monthly fee completely waived! Stop in and talk with us today about how you can enroll and start saving BIG with Benefits Plus+ too. I haven t needed glasses since I was six years old. But, after some convincing by my 10 year old during his eye exam, I agreed to an exam too. Turns out I wasn t seeing as clearly as I thought. While we did have insurance for my son, we did not have it for me. I remembered that I had signed up for Benefits Plus, but wasn t really sure if it could help me now or not. I provided my Benefits Plus card at the eye doctor s office, fully prepared to have to pay in full for everything, but I received 50% off of my glasses and a discount on my exam. My total savings was almost $300! I will definitely be using my Benefits Plus more often, thank you NorthStar! Scott A.

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