4THQ / Fall & Holidays! 2014
newsletter
Holiday Loans
as low as
CC FCU VISA
7.99APR*
%
Credit Card
10.90
%
Fixed
APR*
‘Tis the season for
saving with ClearChoice
It’s never too early to plan for the holidays and ClearChoice has all
your needs covered with these easy ways to save while you spend
this holiday season.
• CC FCU VISA Credit Card with a 10.90% Fixed APR*
• Limited-time Holiday Loans as low as 7.99% APR*
With rates this low, why bank anywhere else? Call, click, or stop in
today to apply! We’re happy to help!
*See website for full details. Rates and terms subject to change. Holiday loan rate depends on creditworthiness. Restrictions may apply. Holiday loan is for a 12-month term up to
$2,000.00. Existing CC FCU loans not eligible. ClearChoice FCU is Federally Insured by NCUA.
ClearChoiceFCU.org
|
800.397.9406
|
1981 State Hill Rd
|
Wyomissing, PA 19610
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4THQ / Fall & Holidays! 2014
newsletter
Reminder:
Dormant Account Fee
Members who have a share savings or checking account and have no transactions for one
year will incur a monthly $3 inactive fee, which will automatically be deducted from your
account. Dividends posted to your account are not considered a transaction. If you have
any additional services such as a CC FCU VISA Credit Card, loans, or a certificate of deposit,
you will not incur the fee on the savings account. All checking accounts will still receive the
fee regardless of any other services.
ClearChoice FCU Members SAVE BIG
with the Sprint Credit Union Member Discount
Tired of paying too much for your cell phone bill? We don’t blame you. So we’re
helping you save with the Sprint Credit Union Member Discount from Invest in America.
As a ClearChoice member, you can save on your monthly wireless bills – plus have your
activation and upgrade fees waived!
Our members can save:
3 Ways to Get Your Discount:
•
•
•
•
•
• Call 877.SAVE.4CU (877.728.3428) and let them know
you’re a credit union member. Ask to be a part of the
NACUC_ZZM Corporate ID to save
• Click LoveMyCreditUnion.org/Sprint
• Visit your nearest Sprint store
10% off* select personal Sprint plans
15% off* select business Sprint plans
Waived activation fee on new activations
Waived upgrade fee
Available to new and existing Sprint customers
Consider the Sprint Credit Union Member Discount—one
of the many perks for being a member!
Stop paying too much for your wireless services and start saving with
the Sprint Credit Union Member Discount today.
*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on
secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.
ClearChoiceFCU.org
|
800.397.9406
|
1981 State Hill Rd
|
Wyomissing, PA 19610
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4THQ / Fall & Holidays! 2014
newsletter
Managing the Seemingly Inevitable
Holiday Season Stress
Welcome to the holiday season—that whirlwind of gift-giving holidays, marketing blitzes, holiday
parties and activities galore that begins right after Halloween, builds to Thanksgiving, and continues
gaining momentum through the end of the year.
While this season is meant to bring feelings of love and cheer, it’s also the harbinger of holiday stress
for many. In fact, according to a poll conducted on this site, more than 80% of us find the holiday
season to be ‘somewhat’ or ‘very’ stressful—that ranks navigating the holidays right up there with
asking for a raise! What is it that has us all so hot and bothered?
What Causes Holiday Stress?
Doing Too Much All things in moderation, as the saying goes. The problem with the holiday season
is that we often experience too much of a good thing. While stress itself is necessary for our survival
and zest for life (researchers call this positive type of stress “eustress”), too much stress has a negative
impact on our health, both mental and physical. Too many activities, even if they are fun activities, can
culminate in too much holiday stress and leave us feeling frazzled, rather than fulfilled.
Eating, Drinking and Spending Too Much An overabundance of parties and gift-giving
occasions lead many people to eat, drink, and be merry—often to excess. The temptation to overindulge
in spending, rich desserts or alcohol can cause many people the lasting stress of dealing with
consequences (debt, weight gain, memories of embarrassing behavior) that can linger long after the
season is over. Also, in these more difficult financial times, finding affordable gifts can be stress in itself,
and carrying holiday debt is a tradition that too many people unwittingly bring on themselves, and the
stress that comes with it can last for months.
Minimizing The Holiday Stress
Here are some tips you can try to help reduce holiday stress before it begins so that it remains at a
positive level, rather than an overwhelming one:
Set Your Priorities Before you get overwhelmed by too many activities, it’s important to decide
what traditions offer the most positive impact and eliminate superfluous activities. For example, if
you usually become overwhelmed by a flurry of baking, caroling, shopping, sending cards, visiting
relatives and other activities that leave you exhausted by January, you may want to examine your
priorities, pick a few favorite activities and really enjoy them, while skipping the rest.
By Elizabeth Scott, M.S., Stress Management Expert. To see more, click here.
ClearChoiceFCU.org
|
800.397.9406
|
1981 State Hill Rd
|
Wyomissing, PA 19610
Page 3 of 4
4THQ / Fall & Holidays! 2014
newsletter
Access your ClearChoice
accounts 24/7—FOR FREE!
Did you know that ClearChoice is a part of the Shared Branching Network? This means you can bank in
shared credit union branches and service centers across the country—for FREE! With a number of locations
nearby, you can deposit or withdraw money, transfer funds between your ClearChoice accounts, make loan
payments, and much more!
There are over 5,000 Shared Branching locations nationwide. Click here to find a location near you.
HOLIDAY CLUB
Your ClearChoice
for auto loans
You can pay cash instead of
piling up more credit card debt!
With rates
as low as
•52 week term
•Available October 1
•May be opened at any time of the year
•Earn competitive dividends, paid monthly
•NO monthly service charges
1.49%
APR
Click here to
learn more
we’re here for you
Click here to get more information
610.376.0605800.397.9406
[email protected]
BRANCH HOURS
Monday—Thursday 9:00am to 4:15pm
Friday 9:00am to 5:30pm
5,000+ NATIONWIDE BRANCHES
Co-opSharedBranch.org 888.748.3266
HOLIDAY CLOSINGS
AND IMPORTANT DATES
Oct 13 CLOSED for Columbus Day
Nov 11 CLOSED for Veterans’ Day
Nov 27 CLOSED for Thanksgiving Day
Dec 24 CLOSE at 12:15 pm for Christmas Eve
Dec 25 CLOSED for Christmas Day
Dec 31 CLOSE at 12:15 pm for New Year’s Eve
24/7 VISA Credit Card Call Center: 1.855.399.7492
ClearChoiceFCU.org
|
800.397.9406
|
1981 State Hill Rd
|
Jan 1, 2014 CLOSED for New Year’s Day
Wyomissing, PA 19610
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