Share Draft
NOTE S
FEBRUARY 2013
CD Specials
No Penalty CD
5 or 8 Months
No Lose CD
18 Months
Our popular No Penalty CDs let
Imagine changing your CD
rate if interest rates rise. With
our 18-month No Lose CD, you can ask us to raise the
during the 5-month or 8-month
term, and there’s no penalty for
early withdrawal – whatever
your reason.
our CD rate goes up. You get our higher rate for the
remainder of your CDs 18 months. If our CD rate goes
down, no problem – you keep the original, higher rate.
No Penalty CD
APY*
Balances
 Regular CD
 Jumbo CD
 Super Jumbo CD
0.50%
$500-$94,999
0.60%
$95,000-$199,999
0.75%
$200,000 or more
No Lose CD
 Regular CD
 Jumbo CD
 Super Jumbo CD
APY*
Balances
0.80%
$500-$94,999
0.90%
$95,000-$199,999
1.01%
$200,000 or more
With our competitive rates you’re definitely in a win-win position.
Open your No Penalty or No Lose CD today!
* Annual Percentage Yield as of 1/15/13. Rates guaranteed when account is opened. No Penalty CD: no penalty for early withdrawal. No Lose CD: penalty
for early withdrawal may affect earnings.
Save with a Debt Consolidation Loan
Consumers have spent the recession paying down
debts. Evidence shows that savings have risen as debt has
fallen, and that’s a good thing. Still, many people continue
to struggle with high debt levels. If you’re in that situation,
maybe it’s time to look at your debts in a new way.
If you qualify, you’ll make better progress retiring those
old debts by swapping them in for a lower rate INFINITY
Debt Consolidation Loan, with rates as low as:
4.00% APR*
Bring your high-interest debts to us - there’s a very good
chance you’ll be able to reduce your interest rate, and that
will make your payments go further and reduce your bills
faster.
You can do better at your credit union. Swap out your
high-interest rate loans for a fair-rate INFINITY loan. Call,
stop by, or apply online today at www.infinityfcu.com.
* Rate for Net Pay and Prime Advantage members; others add .25 to listed rate.
Rate varies based on credit qualifications. $15,000 maximum.
Looking to Buy a Car?
There’s Never Been a
Better Time!
INFINITY FCU believes credit-challenged
members deserve the same good deal on the price
of an automobile that a member with perfect
credit gets.
Why some people get a good deal:
Why some people get a bad deal:
• They are not worried about financing.
• They are desperate and need a car now.
• They know the value of the car they are buying.
• They don’t have a lot of money to put down.
• They shopped around to get the best price.
• They often have a mechanic look at the car.
• They know they can get any car that fits their
budget because their credit union will stand
behind them.
• They don’t even discuss financing the car with
the dealer, they are not concerned about anything
other than getting a great price.
• They are afraid they’ll lose their job if they can’t
get to and from work.
• They know their credit report is less than perfect.
• They will take any car the dealer offers them as
long as they can make the payment.
• Later, they find out they made a mistake and now
they are upside down.
Our promise: if you meet the following qualifications, we will help you out:
1. You have a good job
2. Your job will likely continue
3. You like your job and your job likes you
4. You will give us direct deposit of your paycheck
5. We will finance the car and help you buy a car at a price that is close to low book value
Regardless of your past credit, INFINITY is here to help. Call, stop by or apply online at www.infinityfcu.com.
Holiday Hours
Monday, February 18 Presidents Day
We may be closed, but our automated services
are always available:
• Online/Mobile Banking
• ATM/Debit Card
• Telephone Banking
• 24-7 Loan Applications
Office Hours and TDD Access:
Monday through Friday 9:00 A.M. to 5:00 P.M.
Saturday 9:00 A.M. to Noon (lobby service in Westbrook,
Kennebunk, Bangor and Arundel)
Local Telephone 854-6000
TOLL FREE 1-800-499-8401
24-7 Loan Applications
By phone: 1-800-499-8401, option 4
Online at www.infinityfcu.com
FAX (Westbrook) 854-6054 • FAX (Portland) 854-6074
FAX (Bangor) 945-4857 • FAX (Kennebunk) 967-3214
FAX (Loan Dept) 854-6064 • FAX (Arundel) 282-4927
Mailing Address: P.O. Box 9742, Portland, ME 04104-5060
202 Larrabee Road • Westbrook, ME • 854-6000
4 Davis Farm Road • Portland, ME • 854-6000
193 Broad Street, Suite 1 • Bangor, ME • 945-4284
171 Port Road (Lower Village)• Kennebunk, ME • 467-4614
1298 Alfred Road • Arundel, ME • 571-1753
All rates subject to change without notice.
www.infinityfcu.com