SERVICE
AT YOUR
SUMMER 2015
A PUBLICATION OF EVANSVILLE TEACHERS FEDERAL CREDIT UNION
ETFCU’s Visa® Platinum Rewards
Credit Card Now Offers Double
and Triple Points Year-Round!
Your ETFCU Visa® Platinum Rewards credit
card now offers double and triple points
on the items you purchase the most!
TRIPLE POINTS
3x
CHIP CARDS ARE COMING TO ETFCU
New Category every quarter!
July-September: Travel and Entertainment
Airlines – Hotels – Amusement Parks –
Travel Agencies – Sports Stadiums –
Rental Cars – Golf Courses
Your ETFCU Visa® credit and debit cards will soon offer built-in chip
technology. These cards offer enhanced security, global acceptance,
and they’re easy to use!
DOUBLE POINTS
Easy to use. For now, simply swipe as usual. Once merchants adopt this
technology, the terminals will prompt you to insert your card as follows:
Gas and Groceries
All year long!
1
2x
1 point per $1 – all other purchases
Additional benefits include:
> No activation required
> No earnings limit
> Low rates and no balance transfer fees
Learn more or apply online at etfcu.org/visa.
You can also apply through ETFCU Mobile.
Simply login, choose the More tab, then
select Apply for Loan.
The double points category excludes Walmart, Sam’s Club,
Target, and other discount stores.
1
Ready to go. Retailers in the U.S. are starting to adopt chip technology.
We’re updating your cards so you will be ready when they are.
1
Insert the chip end
of the card into the
chip-enabled terminal
with the chip facing up.
2
Keep the card in
the terminal throughout
the transaction.
3
Remove your card
when prompted and
take your receipt.
Existing ETFCU Visa® credit cards will be reissued with chip technology
beginning later this summer with debit cards to follow soon thereafter.
Learn more online at etfcu.org/chipcards.
APPLE PAY IS NOW AVAILABLE AT ETFCU
TM
Enjoy an easy, secure, and private way to pay with Apple Pay—now available
at Evansville Teachers Federal Credit Union. You can use Apple Pay to make
purchases with your ETFCU debit and credit cards at hundreds of thousands
of stores and participating apps. Learn more online at etfcu.org/applepay.
AT YOUR SERVICE
EARN 3.00% APY OR
500 BONUS REWARD POINTS
with ETFCU’s Exciting New Checking Accounts
Are you ready to earn more from your checking account? You’ll earn
more each month with these exciting new accounts available exclusively
at Evansville Teachers Federal Credit Union:
MORTGAGE CORNER
Enjoy the Guaranteed Lowest
Mortgage Rate—
Plus a $500 Visa® Gift Card
Vertical Dividend Checking –
Earn 3.00% APY. That’s higher than money
market rates or the highest yielding certificates!
Whether you’re buying, building, or refinancing
your home, Evansville Teachers Federal Credit
Union offers the best financing option—and the
largest savings—for your mortgage needs.
Platinum Rewards Checking –
Earn 500 ScoreCard Reward points.
That’s a $5 value each month!
PURCHASE PLUS1 PROGRAM
IT’S EASY
TO QUALIFY.
Simply meet these
monthly usage criteria:
Receive a $500 Visa® gift card
when financing the purchase
of your primary residence.
1. As few as 5 debit card purchases
2. 1+ online or mobile banking login
3. Direct deposit into your account
4. Enroll in eStatements
RATE MATCH GUARANTEE2
Vertical Dividend Checking offers a high dividend based on debit usage tier:
5-9 purchases = 1.00% APY, 10-14 purchases = 2.00% APY, and 15+ purchases = 3.00% APY
We are committed to offering
your lowest mortgage rate. If you
find a lower rate, we’ll match it.
NEW! We’ve made it easier to keep track of your progress
in meeting your account requirements. Visit online banking
to see our new custom account activity summary!
FAQ #1: I already have a checking account at ETFCU. How do I upgrade
to one of the new accounts?
> Upgrade online at etfcu.org/checking.
> Upgrade via the ETFCU Mobile app. Once you log in, tap the More
option, then select Checking Account Upgrade.
> Contact our call center or visit any ETFCU location.
FAQ #2: How do I enroll my accounts in eStatements?
> Log in to online banking and select eStatements from the main menu.
> Click Enroll. Accept the Terms and Conditions to complete your enrollment.
Annual percentage yield. Rate subject to change. Dividends not paid on balances over $15,000. Some requirements apply.
Funds insured by NCUA
FINANCING OPTIONS
In addition to fixed and adjustable mortgage
products, ETFCU offers numerous special programs
including options with no Private Mortgage
Insurance, a refinance program with no closing
costs, and a low-fee alternative to FHA loans.
NEW! ETFCU now also offers a one-time
close construction mortgage loan with as
little as 5% down!
Learn more or apply online at etfcu.org/mortgage.
Available on conventional conforming financing of purchases for primary
residences only. 2Available for new purchases and refinanced first mortgage loans
of primary residences with conventional conforming financing. Certain product
exclusions may apply. Contact an ETFCU mortgage loan officer for further details.
Equal Housing Lender
1
ETFCU NAMED ONE OF AMERICA’S BEST PERFORMING CREDIT UNIONS
Evansville Teachers Federal Credit Union ranked 29th on a recently published list of America’s Top 50 Best Performing Credit
Unions based on 2014 performance. ETFCU is the only Indiana-based credit union to make the list. The ranking is based on
various financial institution data, including member growth, market growth, efficiency ratio, and total assets. The ranking is
created by SNL Financial, a Virginia-based company that provides news and analysis of financial institution data.
EVANSVILLE TEACHERS FEDERAL CREDIT UNION
Take Control of Your Finances with These
CONVENIENT SERVICES
> ONLINE BANKING. Our powerful online banking service enables
you to view and manage all of your accounts—including those
held outside of ETFCU—on one screen, with one password. Visit
etfcu.org/onlinebanking for complete details.
> ETFCU MOBILE FOR TABLETS. This free app lets you manage your
ETFCU accounts from your mobile device. If you already have the app
on your phone, be sure to enjoy added convenience by installing it
on your tablet. It is available for free on your iPad®, Android™ tablet,
or Kindle Fire™.
>N
EW! ONLINE LOAN PAYMENTS. This popular new online banking
feature makes it easy to pay your loan from another financial institution.
Select Make a Loan Payment from the main menu. You can then
choose to make your payment from an ETFCU account or an account
at another financial institution.
>N
EW! DEBIT CARD MOBILE ALERTS. Receive real-time text alerts
for any or all transactions made with your ETFCU debit card(s). Learn
more today at etfcu.org/mobilealerts.
PRESENTED BY ETFCU FINANCIAL GROUP
Solidify Your Retirement Plan with
Help from ETFCU Financial Group
Are you on track to meet your retirement goals?
Whether you’re just starting out your career or
counting down to retirement, ETFCU Financial
Group can help you design the right plan for
your financial future. Our three advisors offer
more than 65 years of combined experience
to help you plan for what lies ahead.
Visit etfcu.org/financialgroup to calculate
your current estimated savings and schedule
your appointment.
New ET Shield® App Simplifies Insurance Claims
Insurance claims can be stressful. At ET Shield, we’re
making the process easier with our new app—now available
for smart phones and tablets. Features include:
> Accident Support. Access instructions about what to do (and what
not to do), one-touch dialing of 911, and geotracking of your exact
location in case you need emergency services.
> Claim Generator Toolkit. Easily collect all the data needed to file an
auto claim, including descriptions, photos, and witness information.
Download the ET Shield app for your mobile device today in the
App Store, Google Play, or at etshield.com.
Chad Angle
Nikki Gainer
Steve Nilssen
Securities sold, advisory services offered through
CUNA Brokerage Services, Inc. (CBSI), member
FINRA/SIPC, a registered broker/dealer and
investment advisor. CBSI is under contract with
the financial institution to make securities available
to members.
Not NCUA/NCUSIF/FDIC insured, May Lose Value,
No Financial Institution Guarantee. Not a deposit
of any financial institution.
FR-1205024.1-0515-0617
AT YOUR SERVICE
2016 Board Applicants Requested
The credit union’s nominating committee
is seeking candidates to fill four openings
on the 2016 ETFCU Board of Directors.
Applicants are required to be primary
members age 18 or older with active
accounts in good standing for at least one
year prior to the annual meeting that will
be held Tuesday, March 15, 2016.
Join us on September 24, 2016, for a European cruise. You’ll delight in
the beauty of Europe while sailing on the magical Rhine and Moselle
rivers. Don’t miss your opportunity to be part of this once in a lifetime
adventure. Contact us today at (812) 469-9905 for more information.
To be considered for nomination, you must
submit an application to the nominating
committee by 6 p.m. CDT on Friday,
September 4, 2015. The nominating
committee will review the applications
and select candidates for the ballot. Other
members can be added to the ballot by
submitting a petition signed by a minimum
of 500 ETFCU members. Applications can
be completed on our website at etfcu.org/
boardapplication, or you may receive one by
mail by calling the Marketing Department at
(812) 477-9271 or 1-800-800-9271, Ext. 1419.
MEMBER APPRECIATION DAYS
NEWS BRIEFS
SET SAIL FOR EUROPE
WITH AMBASSADOR VACATION CLUB
ET Odyssey is now Ambassador Vacation Club!
This travel service is an exclusive benefit for
ETFCU members.
Stop by any of the remaining 2015 Member
Appreciation Days between 11 a.m. and 2 p.m.
for complimentary hamburgers, hot dogs,
chips, beverages, and sweet treats!
CERTIFICATE RATE SPECIALS
RATE
APY
Mt. Vernon July 17
Princeton
July 24
Warrick
August 7
MORTGAGE LOAN RATES
MIN BAL
RATE
APRPOINTS
14 MONTH CERTIFICATES
.80%.80%$1,000
30 YEAR FIXED
4.000%1
17 MONTH CERTIFICATES
1.05%1.06%$1,000
15 YEAR FIXED
3.000%1
5 YEAR CERTIFICATES
1.83%1.85%$1,000
SMARTMOVE REFINANCE – No Closing Costs
10 Year Fixed Rate23.250% 0.000%
15 Year Fixed Rate23.375% 0.000%
> Free 2015-2016 academic planners will be
available to members in all ETFCU offices
while supplies last starting July 20. Planners
will not be mailed.
4.066%0.000%
3.115%0.000%
Certificate Rate Specials: Rates valid as of 6/4/2015 and are subject to change weekly. There is a penalty for failure to
comply with certificate requirements. You will be paid this rate until first maturity. These are fixed-rate certificates. Please
visit us at www.etfcu.org for current rate information. Annual Percentage Yield. Fees could reduce the earnings on the
account. A penalty may be imposed for withdrawals before maturity.
Mortgage Loan Rates: Rates valid as of 6/4/2015. Additional rates available. Please visit us at www.etfcu.org for current
rate information. Includes Extra Credit discount. 190% financing available. 2No closing cost offer is available on first
mortgage refinance transactions with 80% maximum loan-to-value.
18105-SERVICE-0615
> ETFCU has partnered with the security experts
at IBM to offer free online fraud protection
software customized to help protect users of
online banking. Learn more or download the
software today at etfcu.org/rapport.
> Extended drive-thru hours are now available
at many ETFCU locations. Visit us online at
etfcu.org/hours for a complete list of lobby
and drive-thru hours.
> Plans are underway for construction of a
new full-service office in Henderson on
Highway 60 East. The location is tentatively
scheduled to open in early 2016.
Federally Insured by NCUA