SM
1st Quarter 2014
Pay Off I.O.U.
Low-Rate Auto Loans with Perks!
The holidays are over and now it’s time to pay those I.O.U.’s. Let us
help lessen the sting by transferring the balances of your higher
rate credit cards and bills to an
Argent VISA Platinum Card and
enjoy a rate of 1.99% APR*
on the transferred balance for
up to 18 months.
Quick financing is our specialty and it comes with perks that are
better than the dealers.
We’ll make your payments even
more affordable with:
s No Balance Transfer Fee
If you’re in the market for a new or used vehicle, come to us. Our
rates are as low as 1.99% APR* on both new and used vehicles,
including refinances.
PERK 1 GAP – Guaranteed Asset Protection (GAP) covers
the difference between your auto insurance settlement and your
loan balance** in the unfortunate event your vehicle is totaled
in an accident or stolen and not recovered. And, our GAP product
is at a fraction of the dealer’s GAP protection cost.
s No Annual Fee
PERK 2 Insurance – We offer affordable insurance for
s No Cash Advance Fee
vehicles, trucks and motorcycles. Our Agency Manager will do the
shopping for you to get you personalized insurance coverage at
the best possible price.
Take the high-interest weight off
your shoulders by switching to an
Argent VISA Platinum Card. With a
lower rate and just one bill to pay,
you can make your payment go
further and reduce your bill faster.
Transfer your balances online at
www.ArgentCU.org and pay off
I.O.U. today!
*Annual Percentage Rate. Offer applies to transfers made 01-01-14 through 3-31-14.
Balance transfer promotional rate is 1.99%. The promotional APR is good through your
June 2015 statement. Promotional rate does not apply to existing balances on your
Argent Credit Union credit card. You may transfer only up to your available limit. Argent
Credit Union is not responsible for finance or other charges accrued from other financial
institutions because a payment was not received by their statement due date. All other
terms as outlined in the credit card disclosure still apply. (Please note you may not transfer
balances from any other Argent Credit Union credit card or loan product.)
Don’t Have an Argent VISA
Platinum Card?
Visit us online at www.ArgentCU.org and apply for your
card today. Our low-rate VISA Platinum Card comes with:
PERK 3 Vehicle Warranty – Route 66 Extended Warranty
is the most comprehensive coverage for all makes and models of
automobiles. You get a $0 deductible, 24/7/365 Roadside Service,
rental car benefits, 30-day money back guarantee and nationwide
coverage. Plus, the warranty is fully transferable.
PERK 4 Credit Life & Disability – Argent offers MEMBERS
CHOICE credit life and disability insurance. The insurance reduces
or pays off your eligible loan balance in the event of your death
and it covers your monthly loan payment should you become
disabled due to a covered illness or injury.
Great rates with perks – who could ask for more? Getting preapproved with us BEFORE you visit the dealer puts you in a better
position. So come to us first because we specialize in low-rate
auto loans with perks!
*APR=annual percentage rate. Auto loan payment example: 1.99% APR would
equal a payment of $16.73 per $1,000 borrowed for 63 months. Rate based on credit
qualifications and other restrictions may apply. Additional rates and terms available.
Subject to credit approval.
** Restrictions may apply.
s No annual, balance transfer or cash advance fees
s $500,000 Travel Accident Insurance
s Easy online access – view balance, payments and
available credit
In addition, you can design your own card and also sign
up to receive Free VISA alerts! So log onto our website,
www.ArgentCU.org, and apply for an Argent VISA
Platinum Card now.
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Sunday, March
Mortgage Rates are Still Great
Recent scary headlines make it sound like the mortgage rate
honeymoon is over and done. However, mortgage rates are still
good and should remain that way for many months.
You Can with TurboTax®
This year, accomplish something you
never thought possible – do your
own taxes. With TurboTax, you can be confident they’ll be done right.
s No tax knowledge needed. TurboTax translates taxes into
simple questions about your life, and puts your information in the
right places for you.
s Double checks as you go. TurboTax coaches you every step of
the way and automatically double checks your return for errors.
s You’re never alone. If you have questions, TurboTax has answers
and is ready to help.
You can now prepare, print and e-file simple federal tax returns
FREE with TurboTax Federal Free Edition. And with TurboTax, you’re
guaranteed to get your maximum refund – or your money back.*
Visit our website, www.ArgentCU.org, and get started today!
* Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund
or smaller tax due from another tax preparation method, we’ll refund the applicable
TurboTax or SnapTax federal and/or state purchase price paid. TurboTax Online Federal
Free Edition customers are entitled to payment of $14.99 and a refund of your state
purchase price paid. Claims must be submitted within sixty (60) days of your TurboTax or
SnapTax filing date and no later than 6/15/14. Efile, Audit Defense, Ask a Tax Expert, Refund
Transfer and technical support fees are excluded. This guarantee cannot be combined with
the TurboTax Satisfaction (Easy) Guarantee.
First-time homebuyer: If you are a first-time homebuyer, consider
a 30-year fixed-rate mortgage. A 30-year loan keeps monthly
payments lower than if you elected a shorter mortgage term.
Argent Investments & Retirement
Refinance: If you are a homeowner
who sat out the refi frenzy, recent
improvements in home values have
lifted equity so it’s possible that you’re
in a better position to qualify for a refi
now. If your rate is sitting at 5.5% or
more, revisit the idea of refinancing.
Retirement income planning is the process of understanding
how much income you’ll need during your retirement years to
support the retirement lifestyle you want, and positioning your
assets to provide that income. While there’s no such thing as a
“one size fits all” plan, there are steps you can take to maximize
the possibility of a financially secure retirement.
Adjustable Rate Mortgage: If you’re
in an ARM poised for an increase, it can
make sense to refinance if you plan to
stay in the house several more years.
o matter which of the three camps
N
you’re in, you don’t have to sort out
these complicated market factors
on your own. Let our home loan
specialists help you make the decision that is smart for you. Give
us at call at (804) 748-9488, and ask to speak with a Mortgage
Loan Officer.
National Mortgage Licensing #421982.
Need help maximizing your retirement income?
For help with your retirement planning, contact the Argent
Investments & Retirement representative, Philip “Tres” H.
Moore, III CFP® at (804) 748-9488, ext. 3368 to arrange a
no-cost, no-obligation consultation today.
Securities sold, advisory services offered through CUNA Brokerage Services, Inc.
(CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor.
CBSI is under contract with the financial institution to make securities available to
members.
Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution
Guarantee. Not a deposit of any financial institution.
Tarjetas de Regalo VISA –
La Forma Fácil de Pagar
s Monday, January 20th – Martin Luther King Jr. Day
La Tarjeta Argent VISA recargable es perfecta para cualquier ocasión!
Escoge diferentes temas de diseño o personalízala! La tarjeta Argent
es perfecta para viajeros, estudiantes o para alguien sin cuenta
de cheques. Cómpralas en línea en: www.ArgentCU.org o visita
cualquiera de nuestro centro de Miembros para comprar una hoy!
s Monday, February 17th – President’s Day
This article reminds our Spanish speaking members that we sell VISA Reloadable Gift Cards.
Holiday Closings:
Contact Us
(804) 748-9488
(800) 943-3328
Mailing Address
Email
Web Address
Phone Banking
P.O. Box 72
[email protected] www.ArgentCU.org (804) 275-6259
Chesterfield, VA 23832
(800) 227-2068
Federally Insured by NCUA.