312-751-3111 Phone
312-751-6125 Fax
312-751-5868 24 hr. Audio Response
www.mwrdecu.org
A P R I L
2 0 1 3
Taking You Out to
the Ball Game
We’re celebrating our Diamond Anniversary.
And you could win* two tickets to the
May 27 Crosstown Classic!
It’s easy – just set up any new account or
service.** Do it before May 15 and
you’re automatically entered.
Bringing car payments
down to size every day.
Is today your day?
Most of us are keeping our cars longer than ever.
But when it is time to replace your ride (and/or
lower your monthly driving costs), turn to your
credit union first!
We are driven by your best interest. Save about
$264 per year in interest, compared to a bank,
when you finance a $25,000 new car for 60 mos.
with us.1 Unlike banks and
dealerships, our loan rates are
designed to improve our
w as
Rates as lo
members’ financial health,
rather than to generate
profits for a company.
1.4AP9R %
3
Go green and save even
more!2 Your credit union strongly
supports the environmental protection
values of our sponsor, the Metropolitan Water
Reclamation District of Greater Chicago. So when
you purchase an eco-friendly vehicle, you get an
even better rate!
•
•
•
•
New, Used, or Refinance
Pre-approvals Available
Fast, Friendly Service
Apply today – online or in person!
1 Source: 2010 CUNA Membership Benefits Report. Average interest
saved. 2 Hybrid, alternative fuel vehicles or those with 30MPG highway.
For a list of eligible vehicles, please check www.fueleconomy.gov.
3 APR=Annual Percentage Rate subject to change. Rate quoted is for 36month term; includes .50% discount for “Green” vehicles. Not a promise
to lend; standard credit qualifications and some restrictions apply.
Contact us for complete details.
*Members adding new services from March 18, 2013 through May 15,
2013 are automatically entered to win. Odds of winning based on
number of eligible entries. Drawing will be held on or about May 20.
Visit www.mwrdecu.org or call (312) 751-3111 for complete details and
contest rules. **When opening new accounts or loans, members must
meet usual credit union criteria. Some restrictions apply.
FREE Financial Counseling
Whether you are experiencing financial hardship,
have budgeting questions, or are just trying to stay
on track, an Accel counselor is
ready for your call – for FREE.
In addition, Accel’s website
features an “Ask the
Expert” forum, where you
can submit inquiries and
receive an email response.
All counselors are certified
by the National Foundation
for Credit Counseling (NFCC)
and have earned at least a bachelor's
degree. Plus, Accel has Spanish-speaking counselors
and translators of over 150 different languages.
Accel provides FREE credit counseling, financial
education, housing counseling services and an
optional debt management program.
As a member of MWRD ECU, you can take advantage of free
financial education and counseling. Accel counselors are
available Mon-Thurs 8 am-12 am, Fri
8 am-7 pm and Sat 9 am-1 pm (EST).
To use this service, simply call 1-87733ACCEL (332-2235) or visit their
website: www.accelservices.org
ANNUAL MEETING Highlights
MWRD Employees’ Credit Union is all about people
pooling their assets and ideas to accomplish more than
one individual can do alone. This year, as we mark 60
YEARS of serving our members, we will offer special
products, services and contests — because it is our
Diamond Anniversary, but it is our members that SHINE.
Over the past year, our nation’s economy began showing
tiny signs of recovery. At your Credit Union, we noticed
small changes as well. Total assets grew by over $700,000
“Together,We’re Better.”
in 2012. Total income also went up slightly, while total
expenses went down. As always, your credit union is
strong and well-capitalized.
By partnering with our membership, we continue to
foster and support the credit union principle of “people
helping people”. We are currently poised for growth —
offering MWRD employees and retirees a very
competitive option for financial products and services
utilizing state-of-the-art delivery channels.
Back By Popular Demand...
Don’t charge your summer
vacation plans to a high-interest
bank credit card! Your credit
union offers the smartest
route from workday to
dreamy getaway.
Lower financing leaves
you more money for the fun
stuff! Keep an eye out for our
annual Vacation Loan special
coming in May.
AnyHour Mortgage
Schedules Onsite Visits
If you are in the market for a home loan, or looking
to buy or sell a home in the next few years, our
expert, trusted partners at AnyHour Mortgage are
sending Colin Ungstad to our location once again to
answer your questions.
Colin will be available onsite to answer general
mortgage questions from 11 am - 1 pm on the
following days —
Main office: Tuesday, April 16 and May 7
Stickney: Tuesday, April 30 and May 21
Or call the CU to schedule a one-on-one meeting.
But there is no need to wait if
you have questions now.
AnyHour Mortgage has built
an interactive website
specifically for our members
that offers a simple path to
easy, convenient, online
shopping for the best loan
programs and most current
rates available, together with
the assistance of an
experienced live loan officer.
In addition, the site offers a
comprehensive “Learning Center” with fast answers to
many common questions about the mortgage process.
• Purchasing a new home? Congratulations! There
are many important considerations throughout the
process, especially if you're a first time home buyer.
• Applying for a loan? The online application
process is conveniently designed to allow you to stop
any time and pick up where you left off. After you
submit an application, you can check loan status at
your convenience.
Visit www.mwrdecu.org today to
link to your free consultation
online. Just select AnyHour
Mortgage under “Helpful Links.”
YOUR PRIVACY
...is more important to us
than ever. Please see the
enclosed Privacy Policy
for details about how we
protect it.
Credit Union Holiday Closings
May 27 - Memorial Day
July 4 - Independence Day
Access your accounts 24/7 online at
www.mwrdecu.org or call PAT, your
telephone teller toll-free at 1-855-391-3788. PLUS, access
cash from thousands of surcharge-free ATMs – to locate
one near you, visit our website and select ATM Locator
under “Helpful Links”.
Savings Rates
ANTICIPATED AS OF 4/1/2013
Account
Rate
APY*
Regular Savings –
save more, earn more:
Up to $2,500
$2,501-$25,000
$25,001+
0.10%
0.11%
0.13%
0.10%
0.11%
0.13%
Certificates of Deposit**
(minimum $2,500; choice
of 6, 12, 18 or 24 months)
0.15%
0.15%
*APY=Annual Percentage Yield. The next dividend period rates will be
determined and paid from current income and available earnings after required
transfers to reserves at the end of the dividend period and may be subject to
change. **Subject to penalty for early withdrawal.
Featured Loan Rates
We’re Everywhere
You Want to Be
Thousands of surcharge-free
ATMs nationwide — DOZENS
within a mile of District locations.
Our ATM/Debit Card works at
virtually any ATM anywhere, and lets
you access cash from the Allpoint, Co-op, and Star ATM
networks without any surcharge fees. It's easy to find the
one nearest you — just visit our website and select the
ATM Locator under “Helpful Links.”
EFFECTIVE 4/1/2013
Loan
Term
New Auto
up to 36-72 months
Used Auto
(Model Years 2007-2013)
up to 24-60 months
Signature Loan (unsecured)
up to 60 months
VISA® Credit Card
First 12 months
Thereafter
Home Equity
Line of Credit
APR*
up to 120 months
1.49 - 3.99%
4.39%
12.90%
2.90%
9.90% - 19.90%
Prime** + .25%
Motorcycle, Fixed Rate Home Equity and other loan programs are
available. Contact us for details.
Mortgage Loans — Great rates and loan options available.
Call Colin Ungstad at 866-322-8361 for details
*APR=Annual Percentage Rate. All rates subject to change. Contact us for
complete details. Not liable for misprints. **Prime rate as quoted in The Wall
Street Journal Money section.
Lost or Stolen DEBIT Card 800-523-4175
MWRD Employees Credit Union
Lost
or Stolen VISA CREDIT Card 800-325-3678
Main Office: 312-751-3111
100 E. Erie St. • Chicago, IL 60611
Federally insured
Stickney Office: 708-588-3885
by NCUA
6001 W. Pershing Rd. (Cafeteria Level) • Stickney, IL 60804
Main Office:
M, T, Th, F 8:30am-4:00pm
W 8:30am-12:30pm
Stickney Office:
T, F 7:30am-3:30pm