GenisysEDGE
Credit Union News,
Information and Services
November 2012
Earn Rewards During Your Holiday Shopping
Holiday shopping can be easier than ever before with the Genisys Rewards Debit MasterCard®!
It takes the hassle out of the busy holiday season by eliminating the need for cash or checks.
Plus, when you swipe and sign at any business displaying the MasterCard® symbol, you can
earn Genisys Rewards redeemable for travel, merchandise, gift cards and more.
The Genisys Rewards Debit MasterCard® works just like a credit card, except the money comes
directly from your checking account. It can also be used at any ATM worldwide and is FREE to
use at any Genisys Credit Union owned ATM.
What are you waiting for? Get all of your holiday shopping done at once with your Genisys Rewards Debit MasterCard®! Don’t have
one? Visit www.genisyscu.org to fill out the Debit MasterCard® Request Form today.
Holiday Loans Are Back
Auto Loan Special
The most wonderful time of the year
calls for the most wonderful loan of the
year, just for you! Borrow up to $5,000
for 48 months with rates as low as 7.75%
APR through January 31, 2013. Use it for
more than just holiday expenses. Buy new
furniture, take a trip or complete projects
around the house. Don’t wait until the
holiday rush. Apply today! To learn more,
visit our website at www.genisyscu.org,
visit your local branch or call a Financial
Services Representative at (248) 322-9800
or (800) 521-8440, ext. 5.
Drive away with savings at Genisys!
%
Finance a new or used auto loan or
refinance a vehicle loan you have with
APR
another lender for as low as 1.99% APR*
for 60 months. Hurry! Limited time only!
Find the auto loan that fits your lifestyle at Genisys Credit Union
with flexible terms to meet your budget. With rates that are
consistently lower than the national average, we can beat most
dealer financing options.
Apply online at www.genisyscu.org, visit your local branch or
call a Financial Service Representative at (248) 322-9800 or
(800) 521-8440, ext. 5.
*Rate is determined at time of application based on individual credit
experience. Minimum credit rating required to qualify for this loan.
You Can Control Your Urge to Splurge
Are you an over spender? Do you
have some concerns about your
spending habits? Regardless of
whether you are a controlled spender or an over spender, there
are ways to improve your money-management situation.
Marketers would prefer that you shop from a subconscious
level. Fight back before you buy.
Need a credit counselor? As a member benefit, you can take
advantage of the Accel program, a free financial education
and counseling program. Accel counselors are available
Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8
a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m. To use this
service, simply call 1-877-33ACCEL (332-2235) or visit them
on the web at www.accelservices.org.
1.99
*Special rate is available to qualified borrowers with a credit score of 690 and
above. Member is required to take Credit Life & Disability insurance on the
loan or have Direct Deposit with AutoPay set up. Special rate is not available
for refinances of current Genisys auto loans.
Here are a few tools and techniques to help transform
negative habits into positive behaviors:
• Stay clear – Avoid spots where you know you spend lots
of money.
• Think before you buy – Use layaway, a store’s hold policy,
or wait two weeks before you buy an item.
• Shop with a list – Most purchases that sabotage a
spending plan are impulse buys. Use a list and stick to it.
• You can still splurge – but do it economically and
consciously. If you have an urge to spend, spend, spend,
consider doing it at Goodwill instead of Saks Fifth Avenue.
• Track your money – Use cash when you purchase items.
You’ve worked hard for that money and sometimes it’s
more difficult to exchange cash when making a purchase.
• Call a friend - Just talking with a trusted person can
reduce the urge to splurge.
Where you come first.
Swipe and Earn
Genisys members can receive
discounts to thousands of
retailers with MasterCard®
MarketPlace. Just for being
a Genisys Rewards Debit
MasterCard® holder, you can
enjoy savings up to 20% off
big name brands and find
offers based on the preferences
you create. Visit the Discounts
& Promos section at www.genisyscu.org to enroll today!
Be Entered to Win $5,000!
Spend time on what really matters
this holiday season by using FREE
Online Banking and Bill Payment. For
every bill that you pay online during
the months of November and
December, you’ll be entered to win
$5,000! It’s fast, easy, convenient and secure so you can spend
your time with family and friends instead of worrying about
holiday finances.
Haven’t used Online Bill Payment before? It’s FREE when you
enroll in FREE eStatements. Simply log onto Online Banking
and click on eStatements. Then click on Pay Bills, and you’re
ready to set up payments.
Introducing the New iPhone App
Have you downloaded the new Genisys iPhone app yet?
Now wherever you are, you can deposit a check right on
your phone with the new Mobile Check Deposit feature. It’s
easy and convenient so that your busy lifestyle doesn’t get
in the way of keeping up with your finances.
With the Genisys app, you can deposit checks, transfer
money, check your balances and more while on the go. All
you have to do is download the app and you can register
for mobile banking right on your device. Any iPhone, iPad or
iTouch with iOS 4.3 or greater is compatible with the app.
To download, search for Genisys Mobile Banking in the app
store. Once it’s downloaded, click Register Here and follow
the simple steps to get started right on the device. Users of
the previous version must also register the first time they
download the new app to access their account.
Make sure you stay tuned—development for the Android
app is currently underway!
* Mobile Check Deposit available to eligible members only.
Scan to download
the new iPhone app!
*No purchase necessary. Void where prohibited. For complete rules and
additional information, visit https://secure.orcc.com/promo/Q42012/rules.html.
Congratulations to the Cunningham
family! They won a $100 VISA® gift card in
our Back To School Bucks promotion!
You could be the next winner! Make sure you follow
genisyscu on Facebook and/or Twitter to be able to
participate in our special contests, promotions and events.
Plus, receive financial tips and other helpful information.
Follow us today! Check out our Facebook & Twitter page
at www.genisyscu.org under Genisys News.
News Brief
Holiday Closing – All branches and Genisys headquarters
will be closed:
Monday, November 12, 2012 – Veteran’s Day
Thursday, November 22, 2012 – Thanksgiving Day
Each year, debris accumulates along
the Clinton River causing an unsafe
habitat for wildlife and an unsightly
environment for our community. On
Saturday, September 8th, members of
our Genisys team proudly volunteered
their afternoon at the Clinton River Clean-Up, an annual
cleansing of the riverbank and removal of unwanted logs
and debris.
Genisys Credit Union proudly
sponsored the Taste of Clarkston
in Clarkston, MI. On September
23rd, Genisys team members
volunteered their time to assist
the community at this event. This
year, the Taste of Clarkston hosted
34 local restaurants, which were able to showcase their
famous recipes to over 17,000 attendees.
Genisys® Credit Union is a Member-Owned, Not-For-Profit Financial Institution
Mailing Address: P.O. Box 436034 Pontiac, MI 48343-6034
248.322.9800 800.521.8440 FAX 248.322.6512 Genisys® Rewards: 888.882.7938
Where you come first.