Advisor
SUMMER 2016
A quarterly newsletter for Advantis members
Advantis Mortgage Loans
We can help you own it.
Whether it’s your first home, your dream home, or an investment property,
Advantis can help you own it. Enjoy lower fees, great rates, and guidance
through every step of the process when you choose an Advantis mortgage.
Save more with lower fees and closing costs.
The origination fee is the amount a lender charges you for their services.
Our origination fee is 35% less than the average fee charged by Oregon
lenders:
Advantis Credit Union Oregon Lender Average‡ $695
$1,080
Comparison does not include all closing costs, such as appraisal and title fees, pre-paid taxes, etc. Advantis flat
origination fee does not apply to Jumbo loan program.
Get into your home for as little as 5% down.
Borrow up to 95% of the purchase price (on most mortgages). You'll have
more funds left over for any planned renovations!
Close quickly. Move in faster.
We’re local – with underwriting decisions made right here in Portland – so you
can close quickly and move in faster.
Work with a local mortgage expert.
Our loan officers are proud Portlanders, so they know the local market. They'll
be your trusted guide, from application to closing.
Get pre-approved before you shop.
Homes are selling fast in today’s hot real estate
market, often with bids from multiple buyers.
Getting pre-approved before you shop is essential,
so you can make a stronger offer when you find the
home you want to buy.
Do you have funds
stuck at a big bank?
Three reasons to move
them to your credit union:
We’re not-for-profit
& all-for-you.
Unlike a for-profit bank, we don’t
pay our earnings to corporate
stockholders. Instead, we return
them to you (our members) in the
form of better rates and lower fees.
We care about YOU.
You’re not an account number to
us, you’re a member-owner. Everything we do is all about you – and
we’re passionate about helping
you reach your financial goals!
You'll earn more!
Give your funds a boost with a
better rate! Just two of the ways
we can help you earn more:
FUSION CHECKING
1.75% APY*
All balances up to $25,000
Requirements Apply◊
48-MONTH CERTIFICATE
1.20% APY*
$500 minimum balance
Apply online today:
www.advantiscu.org
*APY= Annual Percentage Yield. All APYs are accurate as of 06/14/2016 and may change without notice. Fusion Checking: APY may change after account opening. Minimum opening deposit is $25.00. When Fusion requirements
are met, balances over $25,000 earn 0.20% APY. ◊To earn Fusion rates you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic
payment or direct deposit post and clear; receive statements electronically and log in to online banking at least once. Requirement cycles begin on the last business day of the month and end on the next to last business day of the
month. All Fusion requirements must be met by the close of business on the last day of the requirement cycle. ATM transactions do not count toward the 12 debit card transactions. International ATM fees are not eligible for ATM fee
refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.10% APY for all balances and ATM fees will not be refunded. 48-Month
CD: APY for Balances of $500 to $24,999 is 1.20%; APY for balances of $25,000 to $49,999 is 1.30%; APY for balances of $50,000 to $99,999 is 1.40%; and APY for balances of $100,000 is 1.50%. Transaction limitations
apply. There may be a penalty for early withdrawal. On IRA certificates there is a plan closure fee which may reduce earnings. Federally insured by NCUA.
‡Based on June 2015 Bankrate.com 2015 Closing Cost Survey - Oregon. Assumes a $200,000 loan amount with a 20% down payment on a first mortgage loan. Estimate does not include settlement and title charges,
government fees, taxes, homeowner’s insurance premiums, or any impound charges for taxes and insurance. Estimates also do not include any mortgage lender credits or charges related to interest rate. Third party fees
include appraisal, credit report, tax tracking and flood certification. Apply on line or contact the credit union for an estimate of all anticipated closing costs and prepaid expenses based on your specific loan. Underwriting
approval required. Hazard insurance is required, flood insurance may be required.
Advantis Advisor | SUMMER 2016
Member Workshops
Finance your Summer Toys at Advantis!
Register online at www.advantiscu.org or call
503-785-2528.
Whether you’re looking to buy a new
boat, motorcycle or RV - or would like to
refinance a loan from another lender choose Advantis! We offer excellent rates,
a fast decision, and easy terms.
Register soon, sessions fill up quickly.
Managing Your Money in a Digital World
• Thursday, July 14th, 6pm – Fremont
Take full advantage of the power and
convenience of electronic, online, and
mobile money management. Maximize your
use of 24/7 access to your finances without
jeopardizing your identity or account
security. Get tips and tricks for how to most
effectively manage all of your money in
today’s digital world.
Preparing for the Financial Challenges
of Retirement**
We can finance a variety of summer toys:
• Boats
• Travel/Tent Trailers
• RVs
• Motorcycles Apply today!
Apply at www.advantiscu.org or stop
by any branch location.
Rates as low as
4.99%
APR†
Boats
Rates as low as
4.99%
APR†
Motorcycles
Rates as low as
2.74%
APR†
• Thursday, July 28th, 6pm – Belmont
Are you prepared for the financial
challenges you could face in retirement?
Learn how to plan for rising costs, market
uncertainty, and having consistent income
your entire life.
RVs
†APR= Annual Percentage Rate. APRs are for purchase or refinance of non-Advantis loans. RVs and Boats: APRs
for new boats and RVs (2010 and newer) range from 4.99% to 7.49%; APRs for used models (2009 and older)
range from 6.29% to 8.29%. Motorcycles: Must be model years 2007 or newer. APRs for new motorcycles range
from 2.74% to 4.99%. Your APR will be based on your loan term and credit qualifications. APRs are accurate as of
06/14/2016 and are subject to change without notice. Underwriting approval required.
First-Time Home Buying
• Tuesday, August 23rd, 6pm - Belmont
Take the mystery out of buying your first
home. Learn to think like a loan officer. Be
prepared before you start shopping by
learning how lenders decide how much
you can afford, how much savings you need
to qualify, and what makes you the ideal
borrower.
Social Security - Getting the Most Out
of Your Benefits**
• Tuesday, September 13th, 6pm – Belmont
In this introductory session, learn how to
access and maximize your benefits, and how
to avoid pitfalls that could cost you valuable
retirement income.
Establish Your Credit
• Tuesday, September 27th, 6pm – Belmont
Learn how to best establish and use credit,
how to evaluate and differentiate between
credit card offers, and how to minimize the
cost of using credit (including “gotcha” fees).
Parents can also learn how to help their
young adults get started.
Advantis Credit Union Information
Advantis Holiday Closures
Call Center
Independence Day: Monday, July 4th
Labor Day:
Monday, Sept 5th
8:00 am – 6:00 pm M - F
Phone/Fax: 503-785-2528
Toll Free: 800-547-5532
Branch Hours
9:00 am – 5:30 pm
10:00 am – 5:30 pm
9:00 am – 6:00 pm
10:00 am – 2:00 pm
M, W, Th
Tu
Fr
Sat
(Belmont/Fremont/West Linn Only)
Branch Locations
Belmont: 3010 S.E. Belmont
Downtown: 120 S.W. Taylor
Lloyd Center: 825 N.E. Multnomah
Hillsboro: 7387 N.E. Butler
Fremont: 3515 N.E. 15th
West Linn: 21900 Willamette
Telephone Teller - Marty
503-785-2598 or 800-547-5532, opt. 1
Internet Access
Website, Online Banking, Bill Pay Service,
and Online Account Opening
www.advantiscu.org
Mobile Banking
Available on Apple and Android devices
Download from the App Store or
Google Play
Federally Insured by NCUA
**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered
Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve
investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit
investment products and services available to credit union members.