January 2015
We Know Your Fortune!
Save Big Bucks & Win!
At Credit Union Advantage, we know your fortune when you bring us higher-rate
loans from other lenders and allow us to refinance those loans at our low rates!
The future is clear because we know we can save you big bucks.
If you used department store credit cards for your holiday shopping, you could
be paying up to 25% on those balances! Perhaps you have a high-rate vehicle
loan, or did you participate in a deferred payment offer and that loan is coming
due? Bring those loans to your credit union and you’ll be surprised how much
money you can save!
Plus, if you are in the market for a new loan, make CU Advantage your choice for
financing. Then you can participate in our Fortune offer too!
You could win!*
9.99
% VISA
Your fortune is clear at Credit Union
Advantage! Enjoy one of our delicious
cookies and the fortune inside will be
your entry into a drawing for one of
two $250 VISA gift cards when you
do ONE of the following:
& ScoreCard Rewards
For every qualifying purchase you make using your Credit
Union Advantage VISA you earn valuable Bonus Points that can
be redeemed for brand-name merchandise and exciting travel. Use
your credit union VISA for all of your purchases and watch your
points grow. Choose from more than 1,600 items including top names
like Apple®, Dyson®, and Sony®. Plus, there’s travel, hotels, and so much
more!
• Obtain a new credit union loan for $500
or more.
• Apply for and receive a new VISA credit card.
• Open a new account with one qualifying service: a new
checking account or a new loan for $500 or more.
Check out these great rates, visit cuadvantage.coop for information
on all of our lending programs, or stop by the credit union office
today.
Personal
Loans
Vehicle
Loans
As Low As
As Low As
As Low As
2.00% 4.00% 6.00%
APR*
APR*
APR*
Up To 60 Months
Up To $5,000
Up To 36 Months
Up To $15,000
Up To 48 Months
Apply Today
• Online 24/7 at cuadvantage.coop
• Call or stop by the credit union office
View your point status and redeem them 24/7 at ScoreCardRewards.com.
Don’t have a CU Advantage VISA?
Check out these benefits and make the
switch today where you’ll have the only
card you need and earn ScoreCard
Rewards too!
• As low as 9.99% Fixed APR*
• No annual card fee
• No balance transfer fee
• No cash advance fee
• 25 days to pay your balance before a
finance charge is imposed
Apply online at
cuadvantage.coop or stop
by the credit union office
today.
*APR = Annual Percentage Rate, subject to change. Rate based on individual creditworthiness, model year,
and term of loan. Loan cannot be used to pay on existing loans at CU Advantage. A $20,000 loan at 2.00%
APR for 60 months would have an approximate monthly payment of $359.59. A $5,000 loan at 4.00% APR
for 36 months would have an approximate monthly payment of $147.64. A $15,000 loan at 6.00% APR for 48
months would have an approximate monthly payment of $352.28. Drawings will take place April 1, 2015. No
purchase necessary.
*APR = Annual Percentage Rate,
subject to change. Rate based on individual creditworthiness.
Winners’ Corner
Account Check-Up
Congratulations to the winners!
Faye Reynolds won a $250 VISA
gift card for participating in our
member survey. Thank you to all who
participated. We received an outstanding
response.
When is the last time you did an account check
up? Do you know who you have as beneficiaries
on your account? Who is your joint owner and
has anyone’s name changed? How about your
address, phone or email address?
Now…doing an account check up is not as
important as having a health check up…but it’s
important. As your financial institution, we should have your most current
information. So take the time to check it out and bring your account up to
date. It’s even a good time to be sure you’re taking full advantage of the great
services available to you at your credit union.
Call or stop by the credit union office and we’ll be happy to help!
The winners of the Penny Savers Club 8’
holiday stockings and Teen Club $100 VISA gift cards will be
announced in the April 2015 newsletter.
NEWS BRIEFS
Verification of Accounts Performed
A verification of member accounts was performed by our
CPA/auditing firm, Cindrich Mahalak & Co., PC. If you receive
correspondence from them, please reply.
Annual Meeting Scheduled
The Credit Union Advantage 43rd Annual Meeting will be held on
Monday, March 23, 2015 at 4:00 p.m. in the Medical Office Building,
Conference Room C, located at 22250 Providence Drive in Southfield.
Like Us On Facebook
Search for Credit Union Advantage the next time
you are on Facebook….and be sure to like us. You'll see links to
educational articles, fun events happening at your credit union, special
offers, and more!
Two Board seats are up for re-election including Sharon Wallace and
Cheryl Thrushman.
If you are interested in serving on our volunteer Board of Directors,
applications must be received by January 31, 2015. Please submit to:
Deposit Your Tax Refunds Electronically
Now is the time to set up the direct deposit of your tax refund to Credit
Union Advantage. Here’s the information you need for any direct deposit
to your credit union:
Board Chair Michele Ciokajlo
Credit Union Advantage
22250 Providence Drive
Southfield, MI 48075
1. Credit Union Advantage’s routing number – 272485039
2. Your credit union account number, plus two zeros at the end of the
number.
3. The account type to make the deposit – savings or checking.
Go Green
Holiday Closings
WITH
Martin Luther King, Jr. Day - Monday, January 19 – Closed
Presidents’ Day - Monday, February 16 – Closed
Annual Meeting - Monday, March 23 – Closing at 2:30 p.m.
Good Friday - Friday, April 3 – Closing at 12:00 noon
e-Statements
Break the “statement in the
mail” habit and switch to the convenience of e-Statements! You’ll
receive your statement securely online rather than a paper statement in
the mail. By going paperless you’ll also help the environment by
reducing the amount of paper required to print statements.
Happy New Year
All of us at Credit Union Advantage join in wishing you and your family
a happy, healthy and prosperous New Year!
24/7 Access – Receive your statement faster and have access to this
information online at your convenience, 24/7. You are notified by email
when your e-Statement is ready.
Secure – No more worrying about your statement sitting in a roadside
mailbox. Your account information is protected since e-Statements are
accessed through our secure Online Banking and Mobile Banking systems.
Free – There is no charge to switch to this convenient service.
Get Started Today
It’s easy to get started. Visit cuadvantage.coop and sign into Online
Banking to request e-Statements.
Box Scores:
Members: 3,031
Assets: $27.3 Million
If you are not currently using Online Banking, click on “Online Banking”
on our home page, then on “Not Enrolled? Enroll Today” and follow the
on-screen instructions. If you have questions or need help, our Member
Service Representatives are standing by to assist you.
Southfield Office
Providence Medical Building
22250 Providence Drive
Southfield, MI 48075
248-996-6070 • Fax: 248-849-5391
Novi Branch
Providence Park Medical Office Building
26850 Providence Parkway, Suite 110
Novi, MI 48374
248-662-0383 • Fax: 248-662-0385
cuadvantage.coop
Federally Insured by NCUA