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APPLY FOR YOUR
UNION VISA
CARD
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
card?
We Don’t!!!
There are NO annual
fee’s, NO monthly fee’s 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 11.9%APR and members
who are eligible and qualify for our VISA GOLD program will
have a 10.9%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.
Visit Our Currents Rates Page
VISA Application Form
Action Alert
Please review your credit
card statements for any unauthorized purchases or
transactions. If there are any discovered please report them
to Visa immediately at 1-800-289-5939. The telephone call
will need to be followed up by a dispute in written format.
Also, please notify Visa anytime
you will be travelling.
Ever wonder what’s on your credit report?
We recommend obtaining a copy of
your credit report. You can get a free one each year by
visiting:
www.annualcreditreport.com
If you need to dispute anything
on your credit report, you should contact one of the credit
reporting agencies.
If
you wish to learn more about our sponsor, please click on
their website
www.ikrcc.com
20 Year First Mortgages Now
Being Offered
We
are now offering 20 Year first mortgages to our members.
This 20-year loan allows up to an 80% loan of the appraised value
on financing, with an escrow for property taxes and homeowners
insurance. This particular home loan may make it possible
for you to own the home of your dreams, for the monthly payment
you can afford. Or, you may choose to refinance your
original longer-term current mortgage at a lower rate.
Perhaps,
rather than moving, you wish to fix up your present residence.
This can be easily accomplished b applying for a Home Equity Line
of Credit. Our Home Equity loan allows our members
to apply for up to 90% of the appraised valuation of the owner
occupied property less the First Mortgage balance. Our minimum
line of credit is $5000 and our maximum line of credit is $75,000.
The interest rate on this type of loan is variable at Wall Street
Journal Prime interest rate +1%. The rate is subject to
a monthly revision on the first day of each month.
Call us today to begin the application process for either of the
above loans.
The STAR Network Is Available
To All Our ATM and Check Card Members Now
As
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.
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Important news
regarding your VISA
Because of the Credit Card Act of
2009, in order to avoid late fees, your payment must be received
by the due date on your statement.
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Switch and Save - No
Contract Required
- $20 Instant Rebate on
All New Activations
- Through February
28,2010
- For More Information
Call 877.818.3656
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 ou t
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.
Consider; you
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!
We're On Call 24 Hours A Day, 7 Days
A Week To Meet Your Borrowing Needs!
1-888-313-7836
Home Financial Service & Bill Payer Now Available
Home Financial
Service (HFS) is immediately available and provides you with convenient
secured access to your account(s) 24 hours a day – seven days
a week. With this secured program you may check balances, transfer
funds, check employer deposits, ATM & POS transactions, checking
account deposits or check clearings and dividends earned through
the Detailed History section of the program!
To sign up, click
on the
Credit Union @ Home link and complete the application. Within
24 business hours we’ll set up your account for access and provide
you with the temporary “PIN” number.
The HFS program
has a $5.00 monthly charge which includes Bill Payer.
Bill Payer requires
a checking account. To sign up now or after you’ve signed up for
HFS, you need to click on the HFS icon, click the Bill Pay icon,
click on Enroll, complete the required information in the Enrollment
Form and hit submit.
Once received,
we will Email our response regarding your application within 24
business hours.
A
routing number is a unique number, which identifies our
financial institution from all others. You may be
asked to supply ours when setting up your account for Direct
Deposit of your Social Security or retirement check, or
having a bill paid directly from you checking account.
Our Routing Number
is: 271991155
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Invite Your Family Members To Midwest Carpenters &
Millwrights FCU
Your family
members can be Midwest Carpenter & Millwright Federal Credit Union members too!
Your parents, brothers, sisters, spouse and children can join the Credit
Union family and take advantage of all the services we offer.
They can enjoy the same great savings and low loan rates that all members
do. Joining Midwest Carpenter & Millwrights Federal Credit Union is easy:
just have your relatives stop in or call anytime to open a savings account
and become a member. You know Midwest Carpenter & Millwrights Federal Credit
Union is the best investment your family can make. Make sure they
know it too
Membership / Draft Application |
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Fax: 219-942-3447
