Get Yours Today
2008
826 North 3 Street • P.O. Box 646
Waco, Texas 76703
254.753.0361 • 254.753.0371 fax
www.wacofcu.org • Routing #-311990016
rd
Calendar of Events
October 13th October 31st
November 4th
November 11th November 27th
December 24th December 25th
Wanted: Members
Closed Columbus Day
Halloween
Election Day
Closed Veteran’s Day
Closed Thanksgiving
Closed at 12:00 noon
Closed Christmas
Get Online, Not In Line!
Thanks To Our Vets
Life’s too short to spend so
much of it in line. We can’t help
you at the grocery store, the big
box, or airport security, but we
can help you at the credit union.
When you sign up for online services from the credit
union, you can do many of the same transactions
from the comfort of your computer. A few clicks
and keystrokes can not only save you the time and
trouble of a trip to the credit union for many transactions, but also shrinks your carbon footprint, if ever
so slightly. Going online also means you can do your
finances at 7 a.m. or 7 p.m. or anytime 24/7. You’re
on your schedule, not ours. To find out how easy it is
to sign up for online services, check out our Web site
or contact the credit union.
Do your friends and family a
favor: invite them to join the
credit union. They’ll thank
you for the chance to take
advantage of the benefits of
belonging. And when they
join, you’ll have done yourself
a good turn as well. Here’s
why: as a non-profit financial cooperative, we only exist to serve our
valued member/owners. A broader base of members means we can
continuously work to improve our products and services. We can be
more efficient and pass those savings onto you. So do your part and
pass the word. Let your friends and family in on one of the best ways
to achieve financial security - membership in the credit union. For
details on membership eligibility, contact the credit union or visit our
Web site.
Regular Shares........................................................... 1.00%
Share Draft/Ck......................................................... 0.50%
Regular IRA.............................................................. 1.00%
Escrow....................................................................... 0.50%
Time For A Financial Checkup
As the year 2008 draws to a close, your credit union urges you to do a financial checkup. Just as you would have an annual physical examination with your doctor, you should pick a time of year to do an annual physical of your finances. This is a good time, before the busy
holidays set in. Here’s a list of essentials to consider:
* Review your financial goals. Have you made progress or fallen short? If so, figure out why, and revise your goals to get back on track.
Don’t have any goals? Now would be a good time to set some.
* Evaluate changes in your personal situation. Things such as a job change, divorce, adding a baby to your family, retiring, buying a house,
getting married, or moving may cause you to rethink your budget, spending, savings, and investments.
* Assess assets and their protection. Review your homeowner’s or renter’s insurance, health insurance, and auto insurance.
* Prepare for the unexpected. How are you set for disability if you were to become sick or injured for a prolonged period? Review your will,
and if applicable, your estate plan. Have any changes taken place that require updating?
* Evaluate debt. How are you doing on controlling and paying down debt? In particular, has credit card debt increased this year? If so, is it
time to consider a consolidation loan and getting rid of one or more credit cards?
* How’s your credit score? If you haven’t ordered your free annual copies of your credit report, now’s a good time.
* Prepare to reduce income taxes. Check eligibility for all possible deductions. Check with a tax professional to see if you’re eligible for a
tax-deductible Individual Retirement Account (IRA). If so, see your credit union to open an IRA.
* Review your retirement plans. Are you contributing enough to your various retirement accounts to live the kind of life you want?
If your financial health is in good shape, congratulations! If it can use a little work, at least you know where to concentrate your efforts.
Definitely make plans to see your credit union. We can help in many of these areas.
November 11 is the day
we pay tribute to our U.S.
military veterans and honor
those who have given their
lives in the service of our
country. Your credit union
offers a heart-felt thank you
to those who have served
and those who continue to
serve, in order to preserve
our nation’s freedom.
Check your wallet or purse. Are you carrying a credit
card issued by some financial institution other than
your credit union? That’s like throwing money down
the drain.
In these tough financial times, every dollar counts.
And the dollars count up pretty fast when comparing
your credit union’s card to that of the competition. Interest rates alone can add up to several hundred dollars
per year alone in savings. We also save you money by not charging an annual fee. And our
fees for special services, like withdrawing cash at an ATM using your credit card, are also
lower.
Why is our credit card the overall better deal? Easy. Your credit union is run by you, the
members. We are focused on providing members the best possible service at the lowest possible cost. Banks and other for-profit financial institutions are focused on providing the best
rate of return for their investors.
Stop by or call today and find out how a credit card from your credit union can save you
money.
Reduce Your Energy Bills This Winter
Prices for natural gas, electricity, and heating oil are expected to stay high this winter. Here are 10 tips to save money and
energy:
1. Set the thermostat lower in winter and higher in summer. Consider installing a programmable thermostat.
2. Use compact fluorescent light bulbs.
3. Replace your forced air furnace filter monthly, or if you have reusable filter, clean them monthly.
4. Air dry dishes instead of using your dishwasher’s drying cycle.
5. Lower the thermostat on your water heater (120 degrees to 130 degrees).
6. Take short showers instead of baths.
7. When washing dishes and clothes, wash only full loads.
8. Wash clothes in cold water instead of warm or hot water.
9. Install an insulation blanket around your water heater if it is more than five years old and located in an unheated portion of
your home.
10. When buying home appliances and products, look for the Energy Star. These products meet strict efficiency guidelines.
Let Your CU Help This Season
With the holidays right around the corner, it’s time to take
stock of your financial situation and determine whether
you can handle the extra load on your budget. There are all
sorts of things to consider: travel, dining out, extra groceries
for holiday entertaining at home, decorations. Oh, and yes,
don’t forget the gifts.
If you find yourself short of funds, let your credit union
remove some of the stress so you can enjoy the holidays
more. We have a variety of loan products designed to fit
every need and budget. Contact your credit union today, and
start spending your energies on more important things, like
brushing up on your
baking skills and
picking out the perfect wrapping paper.
Make Saving Easy
Saving money can be hard to do.
Your credit union can help you make
it easier with Direct Deposit. With
direct deposit your paycheck is automatically deposited into your credit
union account(s) - share savings, share draft/checking, and/or
an IRA account.
Direct deposit allows you to earn dividends on your funds
immediately. If you’re not working on payday, your paycheck
still arrives at the credit union on the day you are paid. Direct
deposit also saves time - no more waiting in line over your
lunch break to deposit your paycheck. To learn more, talk
with a member service representative at your credit union
today.
The Last Word
* Kindness is like snow - it beautifies everything it covers.
* Laughing does help. It’s like jogging on the inside!