HOME IMPROVEMENTS? We can help! TIME FOR

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1 IMPROVEMENTS? TIME HOME FOR We can help!

2 PLUS POINTERS Issue HOME IMPROVEMENTS The Real Story Have you ever been caught up watching a television remodeling show and find yourself wishing it was your home they were working on? They make it look so easy, so fast and so affordable. But if you ve ever looked into doing improvements, you quickly realize, there can be a lot of work and sacrifice of space involved, as well as dollars needed to do some of those improvements. Is it worth it? Which home improvements will give you back what you put into it? There are two types of improvements that can be made to your home. Aesthetic improvements are designed to update the look, style or flow of the home. Maintenance improvements are used to upkeep the actual home structure and many times to increase efficiencies. Often, it is the maintenance improvements that don t get the same attention on those television shows as the aesthetic improvements. Though not as glamorous as the great kitchen update or new master bathroom suite, investments in maintenance improvements often more easily recoup more money either in energy savings or resale value. According to Remodeling Magazine s 2017 Cost Vs. Value Report, the five improvements that recouped more of their costs included adding fiberglass attic insulation (79.3% recouped), manufactured stone veneer (78.5%), replacing the entry door with a steel door (77.4%), minor kitchen remodel (72.0%) and replacing the garage door (66.2%). This doesn t mean that you can t have that dream kitchen or private bathroom. If you are planning on staying in your home, it s important to understand the value of maintenance improvements, not only for looks but for the overall well being of the structure. Adding attic insulation isn t an improvement you see, you ll notice it in your heating and cooling bills. Replacing windows (62.5%) and doors will not only give your home a fresh new look, but may also make your home more energy efficient and pay itself back in savings. All improvements cost money. When you re ready to get started, be sure to give Financial Plus a call. 40 April 2017 A quarterly publication for the members and affiliates of Financial Plus Credit Union. A HOME EQUITY LINE OF CREDIT For Home Improvements and More A home equity line of credit can fund your home improvement projects, college tuition or unexpected expenses. It can be used for any purpose, and once you have your line of credit (up to 80% of your home s equity), you can borrow the money as you need it, pay it back and use it again! Repayment plans can be as long as 15 years based on the loan amount. Plus, it may be eligible for a tax deduction (consult tax advisor). GET SOMETHING BETTER Receive Kelley Blue Book trade-in value on your vehicle AND ADD $500! 1 Now Thru APRIL 30 Stop in or call for details! 1: Kelley Blue Book Trade-In Values used by Enterprise are obtained from 2016 Kelley Blue Book Co. s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20%of the vehicle s base value. If a Kelley Blue Book Trade-InValue is not available for customer s vehicle, Enterprise will provide a fair and competitive value for customer s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car SalesManager. Offer void where prohibited including AK, HI, KY, LA, MD, NM, OK, OR, SC, TX, VA and Washington D.C. Offer valid March 1 April 30, No cash advances. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.

3 CALENDAR of EVENTS APRIL 16 Easter Sunday 18 Tax Day MAY 14 Mother s Day 29 Memorial Day JUNE 18 Father s Day 2017 TRIPS Join us for our annual bus trip to beautiful Maine from July 29th to August 6th. Contact Julie Evans at ext 307 for information. WHAT S NEW: Join Us for Your Annual Meeting! We hope you ll join us for this special event. The business meeting will begin at 4:00 p.m. No ticket is required to attend the meeting. You are cordially invited to attend our Annual Meeting: Monday, May 22 4:00 p.m. Euclid Avenue Office 2850 East Euclid Avenue Des Moines, IA MEMBER APPRECIATION DAYS We will be holding Member Appreciation Days this summer/fall. The details are still being finalized and will be shared at a later date. Watch your next newsletter, Facebook and website for an announcement!

4 Two Financial Plus Credit Union employees celebrate their anniversary this quarter. Sheryl Beery CFO 15 years of service Amber Thach Loan Officer 10 years of service CONGRATULATIONS! ANNIVERSARIES RATES and CONDITIONS AUTO LOANS Terms APR* 2012 & Newer up to 84 months as low as 1.99% up to 72 months as low as 3.24% 2008 & Older Call for Terms Call for Rates RECREATIONAL VEHICLE LOANS Terms APR* 2012 & Newer up to 120 months As low as 6.99% 2011 & Older up to 84 months As low as 7.24% SIGNATURE LOANS Terms APR* Personal Loans up to 48 months As low as 8.75% CREDIT CARDS Terms APR* MasterCard Revolving As low as 8.75% MasterCard Cash Rewards Revolving As low as 10.75% REAL ESTATE LOANS Terms APR* Home Equity Loans up to 120 months As low as 3.74% Home Equity Line of Credit up to 180 months 4.50% 1st Mortgage Call for Terms Call for Rates *Existing loans with FPCU may not qualify for special rates. APR=Annual Percentage Rate. All rates are subject to change. Rates are quoted with all available discounts. Terms and conditions may apply.

5 LOOK INSIDE! Home Improvements - The Real Story Enterprise Car Promotion Annual Meeting Member Appreciation Calendar Of Events What s New Anniversaries HOURS & LOCATIONS GET SOMETHING BETTER At Financial Plus Credit Union. WEST DES MOINES OFFICE th Street West Des Moines, IA Phone: Fax: FLEUR DRIVE OFFICE 4303 Fleur Drive Des Moines, IA Phone: Fax: EUCLID AVENUE OFFICE 2850 East Euclid Avenue Des Moines, IA Phone: Fax: INGERSOLL AVENUE OFFICE th Street Des Moines, IA Phone: Fax: Hours: Monday - Thursday Lobby - 8:30am to 5:00pm Drive-up - 7:30am to 5:00pm Lobby - 8:30am to 5:00pm Drive-up - 7:30am to 6:00pm