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Perspectives
Altra Federal Credit Union Member Newsletter • Spring 2015
Love your savings.
Everyone is looking for ways to save money, and
that’s just what Love My Credit Union Rewards is
all about.
Altra Federal Credit Union is excited to offer you, our member,
exclusive discounts and benefits on products and services you
use every day. Credit union members have already saved over
$1 billion with Love My Credit Union Rewards discounts. So
along with lower loan rates and fewer fees, here’s another way
you can save even more.
♥ Exclusive discounted pricing on most new Chevy, Buick, or GMC
vehicles with the Credit Union Member Discount from GM
♥ Save 10% on select regularly priced Sprint monthly service;
businesses save 15% on select regularly priced Sprint monthly
service. Plus, waived activation and upgrade fees (up to $36
savings for each)
♥ Savings of up to 50% off other popular plans from Credit Union
Auto Club
♥ Save up to $5 on TurboTax Federal tax products
♥ Save on services for your home from ADT, DIRECTV, Allied,
and more
♥ Earn cash back when you shop at over 1,500 online retailers with
Love to Shop
The more offers you take advantage of, the more you save.
Start saving today at LoveMyCreditUnion.org
Federally insured by NCUA to at least $250,000 and backed by the full faith
and credit of the United States Government. Equal Housing Lender.
HELOC
NATIONAL DO NOT
CALL REGISTRY
APR*
6-MONTHS
No
Closing
Costs
**
APR*
12-MONTHS
home equity line of credit
An Altra Home Equity Line of Credit (HELOC) is a great way to finance home improvements
and education costs while giving you the flexibility of low interest-only payments and your
choice of a fixed-rate introductory term.
*Limited time offer. Rates shown are for up to 85% Loan to Value (LTV); after introductory rate period, rate adjusts monthly tied to Prime Rate. After
introductory period, loans up to 80% LTV are priced at Prime + 0% with a floor of 4%, and loans between 80 and 85% LTV are at Prime plus 1%.
Available on new HELOCs only. Loans available to qualified borrowers for owner occupied properties. Proof of homeowner’s insurance is required.
Consult tax advisor about interest deductibility. Not available in Texas. **Closing cost credit: member pays actual closing costs; members with Altra
checking with direct deposit and eStatements will receive a closing cost credit of up to $150 (credit not to exceed actual costs). Closing costs vary
by state and are the responsibility of the homeowner; call for details.
The National Do Not Call Registry
gives you a choice about whether to
receive telemarketing calls at home.
Most telemarketers should not call your
number once it has been on the
registry for 31 days. If they do, you can
file a complaint. You can register your
home or mobile phone for free at https://
www.donotcall.gov/register/reg.aspx
SCAM ALERT
Scammers have been making phone
calls claiming to represent the National
Do Not Call Registry. The calls claim to
provide an opportunity to sign up for
the Registry. These calls are not coming
from the Registry or the Federal Trade
Commission, and you should not
respond to these calls.
NEW EMAIL
SECURITY OPTION
Altra is adding another security tool for
your protection. If you are corresponding
with one of our staff about your account,
you may receive an encrypted email
notice from DataMotion or Barracuda.
Both of these systems protect your
personal information by storing an email
message on a secure server and sending
you a notice on how to retrieve it. The
data in the message is never sent over
unprotected networks.
GOES with you…
It GROWS with you…
It
•
•
•
•
Earn 2.25% APY*
No minimum balance
No monthly fee
One of the largest ATM Networks
INTERNATIONAL
CHIP CARD
• Up to $20 in ATM Refunds*
• Free Debit Card
• Free Mobile apps with
remote deposit
*Membership eligibility required. A+ Checking available for personal accounts only. Qualifying accounts earn currently posted Annual Percentage Yield
(APY) on balances up to $15,000; Portion of balance over $15,000 earn 0.50% APY. Account earns 0.10% APY if all requirements are not met in any
given cycle. Rates subject to change monthly. A “cycle” begins the last day of one month and ends on the second to last day of the next month; this
allows Altra to calculate and post dividends and ATM refunds on the last day of each month. All requirements must be completed and/or posted in
each cycle to be considered a qualifying account. Debit card transactions processed by merchants and received by Altra as ATM transactions do not
count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by Altra as POS transactions
count towards qualifying debit card transactions. ATM fee refunds available for ATM withdrawals made from A+ Checking only. Dividends calculated
and paid each calendar month on the daily balance. Contact Altra for complete details.
Your Wallet.
Without the Wallet.
When you combine Apple Pay™ with your
Altra Visa Card, you have access to a new
level of security and convenience. Simply
use your TouchID™ thumbprint or passcode
to authorize a purchase. There is no need to
share your card number. Available for iPhone®
6, iPhone® 6 Plus, iPad Air™ 2 or iPad mini™ 3.
“Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the
U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Traveling internationally? Pack our
globally accepted Visa International
Chip Card.
Some international travelers experience
difficulty using their cards in the
traditional mag stripe manner overseas.
While Visa requires that all merchants
accept the mag stripe, at times we have
been notified that members have
difficulty. Having an International Chip
card ensures that your card will work
overseas. Altra offers personalized Visa
International Chip cards for members
that can be ordered online.
We also offer instant-issue nonpersonalized Visa International Prepaid
Cards that members can purchase and
receive the same day. Available at all Altra
locations except for our Lexington, KY,
Ft. Smith, AR, and Trenton, NJ branches.
Altra Membership is required to obtain
the Visa International Prepaid Card.
Our Visa International chip cards can be
purchased by Altra members age 18 or
older that have a valid debit or credit card
registered in his or her name.