Attention Virtual Branch Users
On February 10th
Virtual Branch is getting a new look! A new user interface is
being implemented that will give you a more streamlined home
banking experience. You are not required to re-enroll or change
your login information during this process. Additionally, if the
new look isn’t for you the option to revert to the original
style will be available.
Do you want to be able to view your Visa statements?
Do you want access to your up to date transaction
Do you want to be able to make automatic payments on
Then visit Visa Online!
Visa Online allows you to do all of those things and more.
Simply click on the link,
sign up, and enjoy the numerous features Visa Online provides.
CLICK LOGO TO ACCESS VISA ONLINE
LOAN PROMOTION ON NEW 2015 / 2014 VEHICLES FOR A LIMITED TIME!!
New 2015 / 2014 Vehicles
APR on new purchase / refinanced vehicles is based on
member credit score as follows:
Free Quotes for Mechanical Breakdown
2.015% APR (credit scores 700-850) for
up to 72 months
2.99% APR (credit scores 660-699) for up
to 72 months
3.49% APR (credit scores 620-659) for up
to 72 months
4.25% APR (all other scores approved by
84 month financing available @ 50 Bp’s higher APR
and/or GAP Coverage
2013 - 2010
4.99% APR up to 60 Months*
2009 - 2008
5.99% APR up to 48
2007 - 2005
6.99% APR up to 42 Months
2004 & Older
9.75% APR up to 36 Months
*Internal Debt Refinancing and
Buy-downs available. Some Restrictions Apply*
Available On New Purchase or Refinance*
*Rates are subject to
change *Effective Immediately
Protect Your Family's Financial
FREE EXTENDED WARRANTY QUOTE
We're On Call 24 Hours A Day, 7 Days
A Week To Meet Your Borrowing Needs!
Card Center Now provides 24/7 Call Center
We appreciate your
support and strive to enhance our products
and services so we may serve you better. We
are now providing a 24/7 call center to
cardholders to meet the demands of your busy
schedule. The only holidays not available
will be Thanksgiving, Christmas and New
Year’s Day. Simply call the 800 number on
the back of your Visa Credit Card for live
CU Mortgage Service has all of the
mortgage loan options you need under one roof. They have been
proudly servicing Credit Union members since 1986.
Let CU Mortgage Service
put their knowledge towards helping you find the best mortgage
Click on the logo above or
here to visit
Mortgage Loan Originator
Warning to all Debit
We have seen an increase in
fraudulent debit card transactions. It appears that most of the
cardholders who have had their cards compromised live in the
same geographic area. However, fraud can spread quickly and so
we felt it best to warn all of our members. Please use the
following suggestions to keep your debit card as secure as
Never use your PIN number when
making purchases. Instead, run the transaction as “credit”
and sign for the transaction. After swiping your card, hit
“cancel” when the terminal requests your pin number then
Never keep your pin number with
or near the debit card. If your card is compromised and the
pin number is with the card, you will be held liable for all
Look for any parts of the
purchase terminals that appear loose or altered. This could
indicate the presence of a “skimming” device. “Skimming
devices” are used to store the card number, pin number and
expiration date of any card that is swiped through that
machine. These devices are later removed and the information
is used to create fraudulent cards. If you believe that a
purchase terminal appears altered, immediately notify a
manager of the facility and do not use that terminal.
SMART OPTION STUDENT LOANS
Invite Your Family Members To
JOIN OUR FAMILY
You already know what
great service Midwest Carpenters & Millwrights F.C.U. provides.
But does your family? Do they know that they qualify for
membership simply because you are a member? Tell them to
stop by our office, visit our website, or call our office and we
will provide everything they need to open an account.
Remember, even after 50 years we are still exclusively
carpenters, millwrights and their families!!!
We Offer GAP - For the Unexpected
Guaranteed Asset Protection (GAP)
is a voluntary program that we offer for your new or used vehicle
loan. This financial protection covers the difference
in the balance on a car and its declared value, as determined
by your primary insurance carrier, in the event that it is damaged
beyond repair or stolen and never recovered. GAP is a
supplemental coverage and does not replace your standard Comprehensive,
Collision and Liability coverage's, only enhances them.
No matter how
terrific a car is, the minute you drive it out
of the show room it is worth less. Depending on where
you live, the established market value could be less than the
actual balance you owe on your car. With GAP, if your
car is a loss, the deficiency will be covered. That includes
the difference between your primary carrier's insurance settlement
and the payoff of your loan, less delinquent payments, late
charges, refundable service warranties, and other insurance
related charges. Included in the GAP payment is your primary
insurance deductible, which is covered up to $1,000 if a deficiency
exists. In addition, you are eligible for an additional
$1,000 towards the purchase of a replacement vehicle financed
through the credit union.
buy a car. The loan balance after one year is $15,000.
The market value is $11,000. Your insurance deductible
is $1,000. You total the car, and your insurance company
pays $10,000. That leaves a difference of $5,000.
$5,000 you would have to pay for a car that you no longer have!
With GAP, that $5,000 is paid. Think about it!
When you are
applying for your next auto loan, ask about GAP. If you
have any questions, please call (800) 543-5785. We'll
be happy to explain!
APPLY FOR YOUR
Has your credit card company
raised your interest rate? Charged you a fee for paying your
balance off each month? Charged you a fee for not using the
There are NO annual
fees, NO monthly fees and for purchases made and paid in
full every month, there is NO (0% APY) monthly interest charge. Accounts
that carry monthly balances will have an 10.9%APR and members
who are eligible and qualify for our VISA GOLD program will
have a 9.9%APR and will receive and accumulate Bonus Points
good for cash back credit.
Show people and local
businesses, who you are, apply for and carry your UNION Visa
Credit Card. Simply go to our Web Application Section,
complete the application and forward to the credit union, once
approved you can transfer an existing balance from and close
another credit card.
VISA Application Form
Credit CARD Act of 2009
The STAR Network Is Available
To All Our ATM and Check Card Members Now
some of you may have read already, you will be seeing a new logo
on ATMs across the country. MAC, STAR, and CASH STATION
networks have merged to become simply the STAR network.
As the country's largest PIN secured debit network, the combined
companies will provide customers with access to more than 180,000
ATMs and 720,000 retail locations across the USA.
Switch and Save - No
- For More Information
KENTUCKY - OHIO REGIONAL COUNCIL OF CARPENTERS
you wish to learn more about our sponsor, please click on