the
SIREN
S U M M E R 2 0 14
P u b l i s he d f o r Me mb e r s o f
Mi a mi F ir e f i g h t e r s F e d e r a l C r e d i t U ni o n
Enjoy a Rewarding Summer
Save with Our Visa Credit Card—
Start summer with the balance in your favor! Transfer your
high interest balances from other credit card lenders to a
Miami Firefighters FCU Visa card and save with 0% APR*
for 6 months. Plus, there are no balance
transfer fees! Saving on finance charges
means more money in your pocket – so you
can splurge on some summer fun.
Earn Rewards All Summer…
and All Year Long
After the 6 month 0% APR* introductory
rate, you’ll keep saving money with a
fixed rate of 10.90% APR.* And, every
time you use your card for a qualifying
purchase, you’ll be earning reward points
good toward free travel, merchandise, gift
cards and cash.
®
Balance Transfers
0% APR!
*
No Balance Transfer Fees
Get Great Benefits Every Day
With a Miami Firefighters FCU Visa® card, there are no
annual fees, no cash advance fees and no penalty rates.
It’s just a great credit card designed to save you money right
from the start.
So kick off this summer with the balance in your best
interest – move those outstanding bills to your credit union
Visa card and start saving money right away.
To apply, complete a loan application online at
www.mffcu.org or stop by our office.
*Annual Percentage Rate.
Make Our Home Loan Your First Move
Home prices and mortgage rates are still very attractive! We’re here when you’re ready to
move. With competitive interest rates, experienced lenders, and a variety of products, we
work with you to find the loan that fits your needs and budget.
Our mortgage advantages include:
• L ow fixed and adjustable rates
5/1 Adjustable Rate
Mortgage features:
• Lower closing costs
Rate is 1% below the 30 year fixed!
• No intangible tax (only a federal credit union can save you
$200 per $100,000 in loan amount)
Credit of 2% OF LOAN AMOUNT (up to $2,000) toward
closing costs!
• Biweekly Payment option with no additional fee
Fixed rate for the first five years. After that the rate may
adjust annually and the payment may increase or
decrease.
• Caring staff who know you insure quick and efficient
closings
• A variety of products and terms
Our 5/1 Adjustable Rate Mortgage may be the
perfect solution if:
•Y
ou are in the DROP program and plan to pay off the loan
when you retire.
• You plan to move in the future out of the area or to a
larger home.
So, whether you’re buying your first home or your fourth, or
want to refinance your current mortgage that’s elsewhere,
make our home loan your first move.
To learn more about mortgages and what options are
available, call our Loan Department at 305-324-4004 to
answer all your questions, help you choose which mortgage
is best suited for you, and help guide you through the whole
process. Or, stop by today or visit our mortgage center at
www.mffcu.org.
One Card, Twice the Convenience!
It’s a Debit Card
Want to get the best value on
your insurance coverage needs?
Use your Visa® debit card to pay for goods and services wherever Visa® is
accepted. The purchase amount is automatically deducted from your checking
account. It’s just like writing a check, but more simple and speedy! It also offers
the convenience of getting cash back from most merchants.
It’s an ATM Card
Get cash in a flash at thousands of surcharge-free ATMs nationwide with your
Visa® debit card. The ATM withdrawal limit is now $800 per day*. Access your
money at Presto (Publix), CU24, CU Here, and MoneyPass ATMs.
Get It for Free
Our Visa® debit card is a free service with your checking account. Open your
checking account today. The more services you use, the more you save.
*Some ATMs may have lower limits which may cause you to conduct more than one transaction to withdraw up to
$800 per day.
Shorten Your To-Do List
Need to deposit a check quickly? No need to make a
special trip to our office. Make your deposit with your
smart phone! With Mobile Deposit you can:
• Save yourself a trip to the credit union. No more lines, no
more deposit slips, and no more working your schedule around
branch hours.
Experts recommend you get competitive
quotes on your insurance policies every few
years to insure you get the right coverage at
the best price.
As a Miami Firefighters FCU member, you
have access to potential savings through our
subsidiary, Miami Firefighters Insurance, LLC.
To confirm you are getting the best deal let us
give you a competitive quote! Coverage is
available for almost every need including:
• Auto Insurance
• Home Insurance
• Life Insurance
• Business Insurance
• Select the eligible checking account to which you would like to deposit
your check.
• Identity Theft Protection
• Snap a photo of the front and back of your endorsed check to securely
submit it for deposit processing.
Forafreequote,call 800-659-1039 or visit us
onlineatwww.mffcu.organdclickonInsurance
Products.
The next time making a deposit appears on your to-do list, cross it off and
download the Touch Banking app for your iPhone or Android device instead.
Visit www.mffcu.org and select Online Services for instructions.
Did You Know?...
…N
o need to come to the credit
union to apply for or sign your
loan. Apply and sign online with
the online application and close
using our e-Signature service.
… If you are traveling out of the
local area, call us so we can
mark your account to avoid
inconvenience when using your
debit or credit card.
… You can now transfer your
credit card payments via online
banking and have immediate
availability. To view availability,
click on ‘Account Access’ then
click on the credit card you wish
to view.
… Your credit card statements are
now available electronically.
Save some trees and enroll now!
… Our auto loans start at
an incredibly low annual
percentage rate of just 1.49%.
This product is provided to members through
Miami Firefighters Insurance for the benefit of
Miami Firefighters FCU members. This product is
not federally insured, are not obligations of the
Credit Union, and are not guaranteed by the Credit
Union or any affiliated entity.
www.mffcu.org
(305) 324-4004
1 (800) 426-3324
Fax (305) 324-7585
1111 N.W. 7th Street
Miami, FL 33136
Federally insured by the National
Credit Union Administration
12279-SUMMER-0614