Vehicle Loans
10-Year Fixed
Rate Mortgage
AS LOW AS
As Low As
2.99%
Fixed
APR*
Up To 60 Months
2.75
%
If you have plans to buy a new or used vehicle, plan to obtain your
financing at MCFCU. Rates are as low as 2.99% APR, and
payments are affordable with terms up to 60 months. Even if
you are just beginning to shop, apply for a preapproved loan and have the cash you need
when you’re ready to buy.
Fixed
APR*
80% Loan To
Appraised Value
If you have a home mortgage at
another lender, you have the
opportunity to refinance that mortgage
at Michigan Columbus Federal Credit Union!
We’re offering a 10-Year Fixed Rate Mortgage program with rates as
low as 2.75% APR. Limits are available up to 80% of the appraised
value of your home.
We’ll even show you how much you can save by refinancing your
mortgage with MCFCU. To apply, and for additional information,
call Kris or Jasmine at 734-425-5080! You could save hundreds or
even thousands of dollars over the next 10 years!
This offer is available for a limited time, so make that call or
stop by the Credit Union office today.
*APR = Annual Percentage Rate, and is subject to change based on current
market rates.
Refinance & Save
Did you know that if you have a
higher-rate vehicle loan at another
lender, you can refinance that loan
at MCFCU’s low rates? We’ll even
show you how much you’ll save
when you bring those loans to your
Credit Union. You have nothing to
lose to check it out. If you’re already
getting a great deal…we’ll tell you that too.
Apply Today!
• Online at www.mcfcu.net
• Call or stop by the Credit Union office
*APR = Annual Percentage Rate, subject to change. Rate based on individual credit history, model year
and term of loan. For qualified borrowers and cannot be used to pay on existing loans at MCFCU.
Estimated monthly payment on a loan of $20,000 at 2.99% APR for 60 months equals $359.31 per
month, or for 48 months equals $442.62 per month.
IRA Deadline April 15th
You can be in control of your retirement years when you plan ahead and save in an Individual Retirement Account (IRA). Plus, qualified
members can save on taxes today. You have until April 15th to make deposits into an IRA for the 2012 tax year, or begin your 2013 IRA at
any time. If you have IRAs at other financial institutions, you can also transfer or roll over those IRAs to your Credit Union.
Consult with your tax advisor regarding your IRA eligibility and the program that best fits your needs. Then open your account at
MCFCU!
Annual Meeting
Schedule
Please Join Us
Go Direct
Mark your calendar to attend the Annual Meeting, where we come together to
celebrate our growth and success throughout 2012, and review our plans for the
future.
IMPORTANT DEADLINE:
March 2013
Sunday, April 21, 2013
All recipients of payments from the federal government will
be required to have direct deposit or payment by debit
George F. Monaghan Knights of Columbus
card by March 1, 2013. This includes Social Security,
19801 Farmington Road, Livonia, MI
retirement, VA benefits, income tax refunds…any
Meeting: 2:00 P.M. • Dinner & Refreshments
federal payment. Direct deposit is the safest and fastest
method of payment. Your deposit is made
automatically…even if you are out of town. Don’t
delay! Make MCFCU your choice for the deposit of
The Board of Directors has three positions open for election. The person receiving the
your payments.
highest number of votes will have a three-year term; the remaining two will have a two-year
term. The Nominating Committee has placed the following incumbents on the ballot:
If you do your taxes early, now is the time to set up
the direct deposit of your tax refund to MCFCU.
Larry Vendal
Here’s the information you need for any direct
Larry Vendal is currently a member of the Board of Directors. He has been on the Board since
deposit to your Credit Union:
2001, and has served as Chairman, Vice-Chairman and Treasurer. Prior to being elected to the
1. MCFCU’s routing number – 2 7 2 4 7 8 8 4 2
Board of Directors, he was a long-time member of the Supervisory Committee. Larry has been
2. Your account number or a voided check.
a member of MCFCU since 1974. He attended college at Lawrence Tech and Spec Howard
3. The account type to make the deposit –
School of Broadcast Arts. He is Co-Owner and Vice President of DVA Incorporated. Larry and
savings or checking.
Nannette have been married for 34 years and have three children. Larry is actively involved in
many charitable activities throughout our community.
To set up your direct deposit payments, call the
U.S.
Treasury at 800-333-1795 or go online at
James Molloy
www.godirect.org.
James Molloy has been a member of MCFCU since 1953. He has been a member of the
Nomination for Board of Directors
Board of Directors since 2000, and has held the positions of Chairman and Vice-Chairman,
and has served on various committees. He also served on the Supervisory Committee for
many years. Jim attended the University of Detroit and is retired from Comerica Bank.
Frank Urban
Frank Urban has been a member of MCFCU since 1987. He has been a member of the
Board of Directors since 1988. He has held the office of Chairman, Vice-Chairman,
Secretary, Treasurer, and has served on numerous committees. Frank is Vice President of
Urban Partition.
Any member wishing to be placed on the ballot must have 60 primary members sign a
petition (petitions can be obtained at the credit union office) and must also meet the
following criteria:
• Member in good standing as of December 31, 2012
• Must be at least 18 years of age.
• Must not have been convicted of a felony or any misdemeanor involving a
financial transaction.
• Must not be currently employed or be a member of the Board or any
committee of any Bank or Credit Union.
All petitions must be returned to the Credit Union office to
the attention of the Nominating Committee on or before
February 15, 2013 at 5:00 p.m. A statement of qualifications and
biographical data must accompany the completed petition. In
addition, it needs to include a signed statement that states the
proposed nominee is agreeable to the nomination and will
serve if elected.
There’s Still Time!
Holiday Loan
If you used high-rate credit cards for your
holiday shopping, pay them off
with our 6.99% Holiday Loan.
But hurry! This great offer ends
February 28, 2013!
The Holiday Loan is also a great way to
get extra cash for home improvements,
college expenses, a spring vacation, auto
repairs, and more. Complete and mail or
bring the application on page 3 to the
Credit Union and we’ll process your
request right away.
MCFCU Holiday Loan Application
To apply, complete sections 1 and 2 and return this application to your Credit Union office.
We’ll process your request right away. Apply soon because this offer ends February 28, 2013.
1
3
2
The credit union reserves the right to request additional information, if necessary.
First-time borrowers are required to complete additional applications. Call the
Loan Department for details. This loan cannot be used to pay on existing loans
at MCFCU.
Apply Today!
NOTE
≈
Finance charge may vary with loan date, and your last payment may be less than
previous payments. Approval is subject to our normal credit standards and
criteria, and you must apply by February 28, 2013 to qualify for the MCFCU
Holiday Loan.
By signing below, I (we) apply to Michigan Columbus Federal
Credit Union for a Holiday Loan and agree to be bound by the
terms outlined under Note on the reverse side. I (We) authorize
MCFCU to request and obtain all credit and employment
information necessary to process this application.
January Skip-A-Payment
Take A Break From January Loan Payments
Could you use some extra cash? If you have qualifying loans with MCFCU, you can skip your
January payments and use the extra cash for anything you want. Based on the due date of your
loan payments, you may still be able to take advantage of this January offer if you act fast!
Specific loans do not qualify for this program. If you have payroll deduction, any funds in your
account will be available for you to withdraw, provided you have arranged for Skip-A-Payment.*
To request Skip-A-Payment, call the loan department at
734-425-5080, or stop by the Credit Union office.
*Members must qualify and may only skip one payment on each loan per year. Loans not eligible are: mortgages, home equity
loans, and VISA credit cards. Finance charges will continue to accrue on your outstanding loan balances. A fee of $20.00 will
be charged for each loan payment skipped. Ask for details.
More and more members are joining the Zoogles Savings
Club and enjoying all the benefits this youth program has to
offer. If you have a child or grandchild age 11 or under,
open a Zoogles account for them today and they can join in
the fun too!
• A special gift when the account is opened.
• Savings programs throughout the year.
• Earn Zoobucks for every deposit and redeem them for prizes.
• And more
Holiday Closings
Martin Luther King, Jr. Day
Monday, January 21, 2013
Presidents’ Day
Monday, February 18, 2013
Good Friday
March 29, 2013 – Closing at Noon
Happy
New Year
All of us at MCFCU join in
wishing you and your family a
very happy, healthy and
prosperous New Year. We look
forward to meeting your financial
needs throughout 2013 and for
many years to come.
30419 W. Six Mile Road
Livonia, MI 48152
734-425-5080
Fax: 734-425-1181
800-452-5094
E-Mail: [email protected]
Web Site: www.mcfcu.net
OFFICE HOURS
Monday – Thursday: 8:30 a.m. – 5:00 p.m.
Friday: 8:00 a.m. – 6:00 p.m.
Closed Saturday & Sunday
MANAGEMENT
David Busdeker, President
Barb Bennett, Vice President
BOARD OF DIRECTORS
Norm VanRiper, Chairman
Frank Urban, Vice Chairman
Jim Molloy, Treasurer
Pat Kinney, Secretary
Patrick Casey, Director
John P. O’Brien, Director
Larry Vendal, Director
Federally Insured by NCUA.