Bring your existing auto loan here and get up to CASH BACK * Apply by. Oct. 31

Transcription

1 150 $ Bring your existing auto loan here and get up to CASH BACK * Apply by Oct. 31

2 2 as low as.19 % APR* Bring your existing auto loan here and get Plus Apply before October 31 *APR = Annual Percentage Rate. Cash-back offer is for up to 1% of the vehicle loan payoff amount refinanced with Veridian. Valid 9/1/17 through 10/31/17 and only applicable for loans of $10,000 or more from another financial. Cash-back total cannot exceed $150 and will be deposited into Veridian savings account on first business day of seventh month after loan is processed. When processed, loan must be paid current to receive cash-back total. Veridian auto loans don t qualify for cash-back offer. Rates, terms, and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio, as well as age and mileage of the vehicle. All loans subject to approval. Includes Loyalty Discount of 0.25% APR when enrolled in direct deposit of net income and automatic loan payments from your Veridian account. Borrowers will lose Loyalty Discount if they fail to meet qualifications during loan term. For $15,000 auto loan with a term of 48 months at 2.19% APR, monthly payment will be $327. See Veridian for details. up to $ BACK * 150CASH

3 Director s Corner Paul Gengler Board of Directors As members, we own our credit union. We can be the best advocates for the credit union difference. Board of Directors Bill Boevers Creston L. Van Wey Elizabeth Caven James Kacher Traci McBee Pam Ayres Thomas DeLong Paul Gengler Bob Kressig Justine Peebles Chair Treasurer 1 st Vice Chair 2 nd Vice Chair Secretary Ginger Shirley Denny Skelton Nick Waters Gaylen D. Witzel

4 current rates * *APR = Annual Percentage Rate. Loan rates current as of 9/10/17, shown as APR, expressed as low as and determined by qualifications, including creditworthiness (except for home equity loans) and loan-to-value ratios, as well as age and mileage of vehicle (for auto loans). Rates, terms and conditions subject to change without notice. For home equity loans, add % to interest rate for loan-to-value ratios over 80% (maximum loan-to-value 100%), and appraisal fees may apply. Loyalty Discount is obtained with enrollment in direct deposit of net income and automatic payments from a Veridian account (borrowers lose Loyalty Discount if qualifications aren t met during loan term). Auto 15 or newer model years APR with Loyalty Discount APR Fixed 48 mos. (trade/invoice) % 2.44 % 14 model year Fixed 48 mos. (trade) 2.44 % 2.69 % 13 model year Fixed 48 mos. (trade) 2.49 % 2.74 % 12 model year Fixed 48 mos. (trade) Additional rates available Get up to $ CASH 150 BACK when you bring us your existing auto loan from after another that. Offer financial. ends 6 August Home Equity Fixed 5 years (60 mos.) % 3.75 % 10 years (120 mos.) % 4.25 % Home Equity Line of Credit (HELOC) Fixed, 5 years (60 mos.) % 3.65 % Visa Credit Cards Platinum % Platinum Rewards % 1 For a $15,000 auto loan with a term of 48 months at 2.19% APR, the monthly payment will be $ Amortization period of 5 years (60 months). For a $25,000 fixed home equity loan amortized for 60 months at 3.50% APR, the monthly payment will be $455 (taxes and insurance premiums not included). 3 Amortization period of 10 years (120 months). For a $30,000 home equity loan amortized for 120 months at 4.00% APR, the monthly payment will be $304 (taxes and insurance premiums not included). 4 Maximum APR is 21%. 5 Rate is determined by adding 4.9% to 15.9% to Prime. Prime means the Prime Rate as published under Money Rates in The Wall Street Journal. Maximum APR is 18%. Possible fee(s): foreign transaction fee is 1% of each multiple currency transaction or.8% of each single currency transaction. 6 Cash-back offer is for up to 1% of loan balance, valid 9/1/17 through 10/31/17 and only applicable for loans of $10,000 or more from another financial. Cash-back total cannot exceed $150 and will be deposited into Veridian savings account on first business day of seventh month after loan is processed. When processed, loan must be paid current to receive cash-back total. Veridian auto loans don t qualify for cash-back offer. This credit union is federally insured by the National Credit Union Administration.

5 Convenient services for you. EXTENDED HOURS Call us on weekends and until 8 p.m. on weekdays CARDS ON DEMAND Stop by any branch to get a credit or debit card in moments UPGRADED MOBILE BANKING Deposit checks, stop payments and more with a few taps of our app esign Sign loan papers from anywhere with your device ONLINE APPOINTMENTS Schedule with a loan officer at veridiancu.org/appointments That s the value of Veridian.

6 Own a home? Make it work for you. 5-YEAR FIXED H OME EQUITY L INE OF CREDIT 3. 40%APR APPLY TODAY * *APR = Annual Percentage Rate. Rate effective 9/15/17 and may not be used in conjunction with first-mortgage loans. Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness, loan-to-value ratio and collateral conditions. All loans subject to approval. Rate fixed for first five years and, after that 60-month term expires, the rate is variable and the maximum APR is 21%. Add % to interest rate for home equity lines of credit with loan-to-value ratios over 80% (maximum of 100%). Closing costs as low as $200. Appraisal fees may apply.

7 Veridian Fraud Center has a new phone number TEXT 1 A text message will be sent to your phone. If you authorized the listed transaction, reply YES. If the transaction is fraud, reply NO and your card will be blocked. To opt-out of these texts, reply STOP. Starting soon, you ll be contacted about potential fraud transactions from a new phone number (877) When a suspicious transaction is attempted on your credit and debit cards, you ll receive these notifications PHONE 2 3 You may receive an automated call. The number will be unknown on your caller ID. To ensure you recognize the caller and can quickly verify a transaction(s), we recommend saving this number in your contacts as Veridian Fraud Center. You may receive an from noreply@enfactnotifications.com. When you open the , you ll see information about a transaction(s) and the case number we assigned to you. We will ask for your case number when you call us at the phone number provided in the . If you indicate the transaction(s) is fraud, a fraud specialist will contact you during regular business hours.

8 October 19 is International Credit Union Day! Do you know what makes credit unions different? Not-for-profit Owned by you (members) Unpaid, volunteer board of directors Learn about credit union advocacy at veridiancu.org/strongertogether.

9 October 2017 newsletter for youth Pumpkins for Halloween Kirby Kangaroo loves Halloween because you decorate your house, dress up in your favorite costume and hand out candy to friends. Kirby has saved $50 for everything. If a pumpkin costs $4, how many can Kirby put on the shopping list without spending all the money? SHOPPING LIST ITEM COST (with tax) HOW MANY? SUBTOTAL Bag of suckers $3 1 $ Candy bar $1 5 $ CD of scary music $2 1 $ Costume From store - $15 Homemade - $8 1 $ Pumpkin $4 $ Skeleton $5 2 $ String of lights $4 2 $ GRAND TOTAL $ SAVE YOUR MONEY We offer a special Kirby CD for children. Ask your parents if you can open a Kirby CD it takes as little as $100 to get started. Kirby CD products are not eligible for rate specials. Terms available for months. Early withdrawal penalties apply. Answer: A costume from a store will leave enough money for one pumpkin. If Kirby makes the costume, up to three pumpkins can be purchased. This credit union is federally insured by the National Credit Union Administration veridiancu.org

10 CALENDAR OF SPONSORED BY EVENTS Jingle Bell Drop Thursday, November p.m th St., West Des Moines Mike & Leona Adams Thanksgiving Dinner A free traditional Thanksgiving dinner will be served to the community. Visit veridiancu.org for more details about what we provide. Monday, November 20 4:30-7 p.m. UAW Local 838 Union Hall, 2615 Washington St., Waterloo Jingle in the Junction Catch the holiday spirit at Historic Valley Junction. Enjoy caroling, free horse and trolley rides, and a visit from Santa and his reindeer. Thursdays: November 30, December 7 and December p.m th St., West Des Moines For more fun and information, find me online at veridiancu.org/kirby. Follow us: /