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consumers credit
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Happy New Year, Members! GO
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Go. Live. Play. Work.
Whatever your
lifestyle, Consumers
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Credit Union is geared
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up to help you succeed. From checking accounts to
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mortgages, we offer the products and services to match
your unique banking needs, while providing you with the
peace
of mind that your money is as mobile as you are.
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Our mission is to provide quality and innovative products
and services that contribute to the economic and social
well-being of our membership. We’re proud to bring you
financial education along with products and services
to help you create a life that brings you success in your
goals.
One way we do this is by helping you to PLAY and
save at the same time! As a Consumers family member
you qualify for exclusive discounts when you show
your Consumers debit or credit card as proof of your
membership. Our partners include Marvin Okun
Insurance, the K-Wings, RX Optical, WMU Theatre,
Sprint, and Sam’s Club, just to name a few. Visit
ConsumersCU.org/MemberBenefits/Discounts to
learn more.
consumerscu.org
Rob J.
Joined 2011
together since 1951
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consumersconnect
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Jan
2014
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We pride ourselves on bringing service to you that makes
you smile. If you aren’t satisfied, neither are we. Thank you
for your commitment to your own success. Let’s Go. Live.
Play. Work. and succeed in 2014!
Save Even More with Your
Consumers Credit Card!
Are you still paying for your
Christmas vacation? Or paying
off store credit cards for your
Christmas purchases? Take
advantage of 0% APR* for 6
months on all balance transfers
and purchases made through
March 31, 2014. After that,
your standard card rate of
8.99%-22.99%, depending on
your credit history, will apply.
With no balance transfer fee,
you’ll be rewarded with immediate
savings when transferring your
high rate balances.
Don’t have a credit card at
Consumers? Apply today and
start saving. Call 800.991.2221 or
stop in to get started.
*APR=Annual Percentage Rate. 0% APR available for
balance transfers and purchases made through March
31, 2014. The 0% APR is good for 6 billing periods from
the date of the first purchase or balance transfer. Balance
transfers will be processed as cash transactions and at
the end of this promotional period, if a balance remains,
will be subject to daily finance charges at your standard
APR. The minimum payment will be applied to lowest
rate balances first while all payments exceeding the
minimum payment due each billing period will be applied
to balances with high APRs prior to balances with low
APRs. Current Consumers credit card balances not
eligible for the promotion. Rewards points not awarded
for transferred balances. All loans subject to approval.
Rates, fees, and terms subject to change and may be
terminated at any time. For more details, please refer to
the credit card agreement accompanying your card.
consumersconnect
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A Message from
Kit Snyder, CEO
Happy New Year, members! Thank you for being part of our Consumers
family and placing your trust in us. We consider it both a privilege and
a responsibility to continually improve our services. Our goal is to save
you time and money and put a smile on your face, while maintaining the
highest security standards. As we go into 2014, I would like to share with
you upcoming developments that will provide even more convenient
banking options.
Consumers Credit Union is strategically focused on infrastructure and
technology enhancements. Last year, we introduced our ATM and
office locator to connect you to Consumers and our network of 30,000
surcharge-free CO-OP ATMs on the go. We also added our online
mortgage application and made it more convenient to complete certain
loan documents by secure email. Soon we will launch an enhanced
transfer feature that will make it easier for you to transfer money to other
people and to your accounts at other financial institutions.
This year, we will continue to improve processes to allow you to open accounts efficiently and
effectively in person and online. In addition, developing more convenient mobile banking options
remains a top priority.
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While many members increasingly choose the convenience of banking online and via mobile devices,
we have not forgotten the importance of relationship banking. We will continue to invest in new
locations and our staff to assist you with the sensitive or complex transactions you prefer to handle
in person. This spring, we are breaking ground on two new office locations in Grand Rapids, which
will open this fall. These offices will allow us to provide more focused service to our Grand Rapids
members.
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As we expand, our focus will remain on controlled growth to provide you the personal service
you expect from Consumers. Our 200 employees are highly trained experts in their roles and love
working every day to make your banking experience better.
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Again, thank you for being part of our Consumers family. Please continue to talk with us about your
experiences and your needs. Listening to you and providing professional, caring solutions is our
top priority.
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= 30,000 fee free atms
consumerscu.org
ATM Locator
Visit ConsumersCU.org on your desktop, tablet, or Smartphone to
locate nearby fee free ATMs.
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As part of our Consumers family, you have access to 30,000 fee
free ATMs nationwide. Consumers is partnered with other credit
unions in the CO-OP Network, a cooperative agreement allowing
you to use other credit union ATMs fee free anywhere you see the
CO-OP ATM logo.
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January: Review your budget.
How did you do at sticking to your budget in 2013? Now’s the time to evaluate your
budget and make changes for this year. Didn’t make a budget last year? Start by tracking
your spending for a month to see where your money really goes.
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consumersconnect
Consumers Credit Union wants you to find financial
success—without the stress. That’s why we’re bringing
you our monthly list of financial to-dos. Just complete
these tasks to stay on top of your finances all year long.
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Your Financial To-Dos
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February: Create savings accounts to keep you on track with
your goals.
To help you stay on track with your
budget, create savings accounts
for your financial goals — a down
payment, a vacation, an emergency
fund, whatever it is you’re working
toward.
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Check your credit report.
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You are entitled to one free
copy of your credit report
from each of the three
major credit bureaus each
year. To request yours, visit
www.annualcreditreport.com.
Review your report for any
inaccuracies you’ll want
to address.
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Joe M.
Joined 2012
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March: PLAY
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Save the Date!
Sunday, February 2 - Girls on the Run Tutu Fun
Run powered by Consumers Credit Union. Visit
www.girlsontherunkazoo.org/event/208/tutu-fun-run for
details and registration.
consumerscu.org
Saturday, April 26 - 5th Annual Consumers Sunburst Run. The first 50 to register will be entered to
win one of 5 jackets. Learn more and register at ConsumersSunburst.org.
Communities in Schools Kalamazoo
Consumers is pleased to once again partner with Communities in Schools
Kalamazoo to provide after-school financial education to local middle
and high school students. Over the past year, we have conducted two
six-week sessions with 25 students. Our next session begins this month.
Downtown Office Manager Clarence Lloyd, says,
“This particular partnership allows us to provide
a basic financial foundation to students who
may not have any exposure to sound money
management. These classes can change the
course of a family’s financial future when the
students take that info back to their homes.”
Topics covered include the why and how of
making a budget, the importance of your credit
score, and how good grades now can translate
into dollars in your future. The program is
designed to grow to include four sessions per school year, one per grade
at the high school level.
Dollars for Scholars–Now Accepting Applications!
We believe in contributing to the well-being of
our membership by supporting our students as
they further their education! In 2014, we will be
awarding 20 scholarships of $1,000 and an iPad
to Consumers Credit Union members who are graduating high school
seniors. To learn more and apply, visit ConsumersCU.org/Information/
DollarsforScholars.
Consumers Makes Your
Tax Season Easier
We’ll mail your 1099s and 1098s to
you by the end of the month. They’ll
also be available to you in Online
Banking by January 20. Simply log
in at ConsumersCU.org and click
on “eStatements/Tax Forms” on the
“Alerts & Statements” tab.
In addition,
Consumers
members save
on TurboTax
federal products. To get started, visit
http://bit.ly/IJzbfr. It’s your money—
keep more of it with TurboTax!
63rd Annual Meeting
Monday, March 24, 2014 4:00-5:00
Stadium Drive Office, 7040 Stadium
Drive, Kalamazoo
To reserve your seat, please
call Heather Koprolces at
269.345.7804, ext. 1747, or email
[email protected].
Reservations are needed by Monday,
March 10, 2014. In accordance with our
bylaws, the nominating committee
has nominated incumbents Rod
Adams and Brent Bassett to the
Board of Directors.
Tell your story:
[email protected]
Follow our blog:
blog.ConsumersCU.org
Holiday Closings
Presidents’ Day | Closed: Monday, 2.17.2014
For a complete listing of office locations and hours
visit ConsumersCU.org/locations or call 800.991.2221.
14 Full-Service Locations to Serve You
Corporate
Mailing Address
PO Box 525
Oshtemo, MI 49077-0525
Toll-Free
800.991.2221
VoiceAccess
800.991.2221
Member Service
Center Hours
Blog
Monday-Friday
8:00am - 7:00pm
Web Site
Saturday
9:00am - 1:00pm
E-mail
blog.ConsumersCU.org
ConsumersCU.org
[email protected]
[email protected]
Federally insured by NCUA