Money Matters A newsletter for First Credit Union members.

Transcription

1 Money Matters A newsletter for First Credit Union members. September 2018 A CLEAR DIRECTION ON THE ROAD TO RETIREMENT Join us for an educational Retirement Seminar! There s a big difference between not working and not worrying. You've worked hard to get where you are; now make sure you can enjoy the worry-free retirement you deserve. Attend this no-cost, no-obligation informational seminar and learn strategies for a successful retirement. Retirement questions answered. What are your goals for your retirement journey? How do you design and implement a retirement plan? How do you stay on track year after year? Answering these questions can start you on the road to a successful retirement. Presented by Joseph F. Shinske III Financial Services Representative with First Wealth Advisors at First Credit Union 803 E Devonshire Phoenix, AZ Toll-Free: Phone: Joe.Shinske@cunamutual.com SEPT 18 SEPT 18 SEPT 18 SEPT 20 Tempe 8:00am - 9:00am (Check 7:45am) 1232 E. Baseline Rd, Suite 101, Tempe, AZ Phoenix 12:00pm - 1:00pm (Check 11:45am) 803 E. Devonshire, Phoenix, AZ Glendale 6:30pm - 7:30pm (Check 6:15pm) 5700 W. Thunderbird Rd, Glendale, AZ Tucson 5:30pm - 6:30pm (Check 5:15pm) 340 S. Stone Avenue, Tucson, AZ Register at or call This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are backed by the claims-paying ability of the issuer. MEMBERS Insurance & Investments and MEMBERS are marketing names for the products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERS is a registered trademark of CMFG Life. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution. Financial advisors are not tax advisors, attorneys or Social Security experts. For information regarding your specific tax situation, please consult a tax professional. For legal questions consult your attorney. For questions about Social Security, please contact your local Social Security Administration office. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully. FR

2 MAKE IT HAPPEN with a Home Loan. Purchase or Refinance. #wegotthis You ve found the right home. We ve got the right loan. With local loan decisions, choice of terms and competitive rates, we can help you make it happen! First Time Homebuyer Purchase 3% Down Program FREE APPRAISAL thru ! See details below :) Home loan specialists here :) Let a First Credit Union home loan specialist guide you through the home buying or refinancing process. We ll explain the various loan program options available to you. Plus, our home loan specialists can help you determine how much home you can afford to fit your lifestyle and budget. Choose First Credit Union for your next home loan whether you want to buy, refinance, or make your first home purchase. We offer you: Choice of terms up to 30 years Pre-qualification & credit analysis Upfront fees & member-only rates Get started today. Call (480) or (800) outside Phoenix to schedule your free, no-obligation consultation with a First Credit Union home loan specialist. Free appraisal details. Apply by December 31, 2018, and fund with First Credit Union by February 28, 2019 to qualify for a free appraisal up to $ Appraisal fee may be higher depending on property types. This offer applies to first mortgage purchase and refinance transactions only. This offer is not applicable for home equity transactions. Terms and conditions are subject to change or cancellation without notice. This offer cannot be combined with any other offers. All loans are subject to credit application. First Credit Union membership required at the time of closing. The appraisal fee will be paid by the member at the time of appraisal and will be reimbursed at the time of the loan funding up to $ with First Credit Union. Call a First Credit Union Loan Officer at (480) Thank You! First Credit Union among Forbes Best-In-State Credit Unions. Based solely on consumer feedback, just three CUs in Arizona earned high enough scores and recommendations to make the list. A really big thank you to our members for giving us such high marks. You re why we exist. We appreciate & value you! Holiday Closure Our branch locations will be closed on Monday, September 3, 2018 in observance of Labor Day. Access your accounts anytime! ATM firstcu.net (480) Short code (Register your device at firstcu.net) with any of these logos: Mailing Address: P.O. Box 820, Chandler, AZ /7 Phone Center: (480) (800) All rights reserved First Credit Union I

3 Simple, meet Smart. (And his friend, Rewards.) CUSTOM PRE-PROOF APPR Thank you for choosing CPI Card Group for your card issuance needs. This pre-proof is for your review before submitting your art for fina color, but only for content, placement, spelling and proper usage o institution name, logo and slogan (if applicable). You will receive a approval at a later date. Approval may be faxed to us at Thank You. Please note: Changes made after the approval of this proof may result in add Financial Institution: First Credit Union BIN Nu Project Manager: Vicki Newman They live here. Proof N Created by: Michael Cook Date of Program Name/Image Description: EMV Rewards Visa Cont DEBIT 12/21 LEE CARDHOLDER GOOD THRU Rewards Visa 4-Color Process + Visa Blue By using th conditions For assista outside the B Simple, Smart and his friend Rewards are part of every First Credit Union Visa Rewards credit card Gold Green Embossed Flat Print (unavailable on Thermal/Tipping Colors (Check One Red Silver Blue This pre-proof represents the exact location of front logo, graphics, back network logos, back verbiage for spelling and text placement. If applicable, please forward any spelling manager. We will not be liable for errors found after we receive an approved signed pre-pr By signing this proof you are authorizing CPI Card Group to act as your authorized agent f issuance. Approval below authorizes final proof request and acknowledges minimum $300 These guys spend their days making shopping APPROVED as submitted Correct for your favorite things easier, safer, and well, Institution s Approved D more rewarding. Get to Signature: know them. After all, they live here! 556 Metroplex Drive, Nashville, TN Meet & greet happening firstcu.net

4 GOOD THRU 12/21 LEE CARDHOLDER DEBIT Rewards Visa Enjoy these cardholder benefits: 4.9% Introductory APR* on purchases and balance transfers 3X POINTS on first $1,000 of purchases Enjoy worldwide acceptance Ready to be BFF with these fellas?! Three ways to apply: 1.) Visit any branch 2.) Visit firstcu.net -or- 3.) Call or toll-free outside the Phoenix area at Call, click or visit today! *APR=Annual Percentage Rate. 4.9% Intro APR on Balance Transfers and Purchases for 9 months. After that, the APR will be the Wall Street Journal (WSJ) Prime Rate % % for purchases and the WSJ Prime Rate % % on balance transfers and cash advances based on your creditworthiness. Rates subject to change without prior notice. If you do not pay your entire balance by the due date each month, we will charge you interest on purchases. See Account Disclosures for complete details. Scan the QR code to find the current WSJ Prime Rate or visit: page/2_3020-moneyrate.html This card is issued by First Credit Union pursuant to a license from Visa U.S.A. Inc Visa Inc. All Rights Reserved. Rev. 05/18 I

5 WHEREVER YOUR DAY TAKES YOU, A Friend ly Face is Never Far Away.

6 At First Credit Union, we re always finding ways to make your experience more convenient. Shared branching is one of those ways. First Credit Union is part of a national network of cooperative credit unions, providing members with easy account access at thousands of locations. Learn more at firstcu.net. At shared branch locations around the country, you can enjoy a host of services, just like you would at your local branch: Deposits Transfers between accounts Withdrawals Loan payments Find a shared branch location at firstcu.net. Just click on Locations & ATMS or download our mobile banking app. Just look for the shared branch logo! Convenience is first at First Credit Union! As a member, enjoy 24/7 friendly personalized service, plus: Text banking Mobile apps with check deposit Online banking Extensive CO-OP ATM Network Bill pay And more at firstcu.net This credit union is federally insured by the National Credit Union Adminstration.

7 OUR SERVICE IS refreshing! Invite a Friend! Ask us how. FIRSTCUREWARDS.NET

8 Invite a friend to open a new checking account with us and you both can earn a FREE reward! Four easy steps: 1. Print your name on this form. Then, provide either your address or mailing address. 2. Give it to a friend and recommend one of our great checking accounts. 3. When your friend logs in and enrolls at firstcurewards.net, you ll earn 25 points and your friend will receive 150 points! 4. When your friend opens a new checking account, they can earn 300 points immediately! And you ll get a certificate for 350 points redeemable for your choice of rewards. Name: OR Address: City: State: Zip: Referral Code: Newsletter firstcurewards.net This credit union is federally insured by the National Credit Union Administration.