Simply Invaluable!
MEMBER NEWS & INFORMATION
JANUARY 2015
RESOLUTION #1
Invaluable new habits for 2015
– President, Vincent Ciambriello
Traditionally, the
new year is full of
resolutions - but the
key is not to make
huge changes that
will be hard to keep.
Instead, pick one area
of change. A financial
house cleaning is a smart place to start!
To help ensure your success, Sikorsky
Credit Union is making a resolution too
– to help our members save money in a
variety of different ways. The following are
five tips to start you on your way!
1. Pay off your mortgage sooner.
Our Advantage Mortgage offers new
lower rates, no closing costs, points or
appraisal fees – and it’s easy to apply.
2. Refinance your existing auto loan.
Our new lower rates will save you money
and you won’t need to make payments
for three months!
3. Get your tax refund faster.
We make it easy with TurboTax file electronically and get your refund
deposited directly into your account.
4. $1,000 Scholarships available!
High School Seniors who are members
of Sikorsky Credit Union can apply for
one of five $1,000 scholarships!
RING IN THE NEW
YEAR WITH LOW
RATES AND PAY OFF
YOUR MORTGAGE FASTER
ADVANTAGE MORTGAGE
NEW LOWER RATES!
8 yr. 2.59
12yr. 2.99%
%
APR(1)
APR(1)
$25,000 - $250,000 loan amount.
Only a $499 Application Fee.
Need to borrow more than $250,000? Just ask!
• Pay off your mortgage faster
• Cash out refinancing
• No closing costs, points, or appraisal fees
• Simple application
RATES ARE LOW & IT’S EASY TO APPLY:
Online at www.sikorskycu.org/homeloan
or stop in any branch office.
RESOLUTION #2
REFINANCE AND
TAKE A VACATION
FROM CAR PAYMENTS
FOR 3 MONTHS!
5. Plan to Reward Yourself!
Careful planning can include saving for
a goal too – like a summer vacation!
NEW LOWER RATE!
mbers
Wishing all of our me
015!
2
hy
alt
he
a happy and
1.89 %
– Vinny Ciambriello
DISCOVER HOW REFINANCING
TODAY CAN WORK FOR YOU!
Rates as low as:
APR(2)
• Refinance an existing auto loan from another lender
• Finance the purchase of a new or used vehicle
• Make no payments for 3 months
Apply online: at www.sikorskycu.org/loanapp
Stop by: Your local branch
60 month term
(1) APR
= Annual Percentage Rate. Nonrefundable Application Fee of $499 is required. Finance up to 80% of the value of your home. Payment example for an 8 year fixed rate $100,000 loan with an APR of 2.59% is repayable in 96 monthly
payments of $1,154.43. Payment example for a 12 year fixed rate $100,000 loan with an APR of 2.99% is repayable in 144 monthly payments of $827.32. Taxes and insurance are not included in payment example.This program is only for
refinancing eligible single family, owner occupied dwellings in Connecticut. Rate is determined by your credit history. Rates are subject to change without notice. Terms and conditions apply. APR may be slightly higher based on amount of prepaid
interest collected at closing (which is determined by your closing date).
(2) APR = Annual Percentage Rate. A payment example for a $10,000 used car loan for 60 months with an APR of 1.89% is approximately $174.80 per month. Rate reflects a .25% discount for automatic payments from a Sikorsky
Credit Union account. Rate is determined by your credit history and term selected and may range from 1.89% to 8.75% APR. Terms and conditions apply. Rates are subject to change without notice. You must apply directly with
the Credit Union to be eligible. Available for qualified borrowers only, subject to credit approval. Purchase and refinance loans are eligible but offer is not available for existing Sikorsky Credit Union loans. Deferment will occur in
the first 3 months on new and used auto loans approved between November 1, 2014 and February 28, 2015. Interest will accrue during the deferment period. The first payment must be received upon completion of the 3 month
“no payment” period. The initial payment(s) made on the loan will be applied first to accrued but unpaid finance charges before being applied to principal. Automatic payment from a Sikorsky Credit Union account is required.
STRATFORD • MILFORD • SHELTON • SEYMOUR • DANBURY • www.SikorskyCU.org
Federally Insured by NCUA. © Sikorsky Financial Credit Union, Inc. 01/15
SIK Newsletter Jan 2015_122314.indd 1
12/23/14 10:14 AM
RESOLUTION #3
Fast track your tax refund
with direct deposit!
Get your Tax Refund Faster
Remember to include:
We make it easy with TurboTax
1. File Electronically. We make it easy with TurboTax. Within 48 hours of filing, you can
track the progress of your refund at www.irs.gov/refunds or the IRA2GO mobile app.
Go to www.sikorskycu.org/turbotax and start today.
2. Avoid Common Errors. According to the IRS, the most common tax-filing errors are
incorrect or missing Social Security Numbers; incorrect income, deductions, credits and
exemptions; line items entered on the wrong line; and math errors.
3. Opt for Direct Deposit of your refund. Simply provide the IRS with Sikorsky Credit Union’s
Routing Number and your complete account number and your refund will be deposited
directly into your account.
© 2014-2015 Intuit Inc. All rights reserved. State filing charges apply. Limited-time offer for TurboTax 2014. Terms, conditions,
features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax
Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
Other parties’ trademarks or service marks are the property of their respective owners.
1. Our Routing #221180806
2. Your Complete Account Number
Complete Account Number
123456789 90
Account Number
Suffix
It is important that you include the appropriate
suffix along with your account number, such as:
Checking:suffix 90
Regular Savings:
suffix 00
suffix 04
Money Market Savings:
Questions, call (203) 377-2252.
Annual Meeting Notice
Sikorsky Credit Union’s Annual Meeting
will be held on Wednesday, April 8, 2015
at 7:00 p.m. at Flood Intermediate
School on Chapel Street in Stratford.
All members are encouraged to attend.
RESOLUTION #4
ATTENTION HIGH SCHOOL SENIORS!
LIVE LARGE AND IN CHARGE WITH
A $1,000 SCHOLARSHIP!
Holiday Open:
Martin Luther King Day
Sikorsky Credit Union will award five (5)
$1,000 scholarships to high school seniors
Monday, January 19, 2015
looking to further their education in the fall of 2015.
Any high school senior who is a member of Sikorsky
Credit Union by March 15, 2015 can apply. Visit a branch
near you to get the details and an application or go to
www.sikorskycu.org/scholarship
RESOLUTION #6
Plan for the
future today.
Call me today
to schedule a
consultation
RESOLUTION #5
– John R. Morris
Financial Consultant
REWARD
YOURSELF WITH
A WELL-EARNED
SPLURGE!
1000 Oronoque Lane, Stratford, CT 06614
Phone: (203) 383-7404
Fax: (203) 378-7214
e-mail: [email protected]
Imagine: a dream vacation, concert tickets, paying off college debt ...
a savings account just got a whole lot more interesting.
Sikorsky Credit Union has a savings account to fit your goals and lifestyle.
It’s easy to save for your goals when you save regularly with automatic
transfers or direct deposit.
For more information, visit us www.sikorskycu.org/eservices
or stop by: Your local branch
John Morris is a registered representative with, and securities offered
through LPL Financial, member FINRA/SIPC. Insurance products offered
through LPL Financial or its licensed affiliates, Sikorsky Financial Credit
Union and Sikorsky Financial Services Group are not registered
broker/dealers nor affiliates of LPL Financial.
Not NCUA Insured
www.SikorskyCU.org
or call 1 (888) 753-5553
SIK Newsletter Jan 2015_122314.indd 2
Not Credit Union Guaranteed
May Lose Value
Stratford .............................................. 1000 Oronoque Lane (203) 377-2252
Milford ............................. 15 Turnpike Square (Post Road) (203) 876-3370
Shelton ............... 711 Bridgeport Avenue (next to Sears) (203) 929-2004
Seymour ..................................... 253 West Street/Route 67 (203) 881-0550
Danbury .......................................................... 345 Main Street (203) 743-3891
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