Page….2 Refinancing your Auto Page….3 Home Equity Line of Credit Page…3 Annual Meeting Page…4 ATM Safety Tips Page…4 Skip A Payment Page…4 Holiday Closings Page…4 Scam Alert Page…5 Mobile Banking Page…5 Finance your Dreams
Demand for homes is at an all-time high. Mortgages rates are trending upward. Now’s the time to make your move. Celco Community Credit Union offers 15, 20, 25, and 30 year mortgages. Whether you’re a first time home buyer or looking to refinance your current home, we have several options for you to take advantage of. Ask us how we can help you save.
Page…6 GET ACTIVE! Page…6 Dormant Fees
MORTGAGE LOANS Purchasing a home can be one of the most stressful yet rewarding decisions of your life. A home is usually your biggest purchase during your lifetime and you want to make sure you do it right. Celco Community Credit Union is here to help.
Whether you are a first time home buyer or are looking to refinance your current home, Celco Communi ty Credit Union offers several options when it comes to saving you money on your home. Our Mortgage Loan Off i ce r s wi l l gu i de you through the process to make it an enjoyable experience.
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Love Your Car, But Not Your Loan? Refinancing your vehicle loan from another institution can lower your interest rate and monthly payment, saving you hundreds – if not thousands – of dollars. Here are a few reasons why you might want to consider refinancing with Celco Community Credit Union. • Your credit score improved. If you had a lower credit score at the time of purchase, you may have gotten a high interest rate. A better score could mean a more favorable rate. • Your monthly payments are too high. Even if your rate won’t change drastically, you could extend your term to lower your payments and give your monthly budget a little wiggle room. • Your lease is expiring. Maybe you’re not ready to trade in your car after your lease is up. Did you know that you can buy out your lease and avoid the hassle of return and penalty fees? The vehicle refinancing process is easy - just see one of our loan officers for details or call 540-921-2700. We’ll take care of the rest.
THE POWER TO FOLLOW YOUR DREAMS Learn how we can help you reach your dreams!
Home Equity Line of Credit (HELOC) What Is a Home Equity Line of Credit?
What Can I Use a Home Equity Line of Credit For? Almost anything. It's a great option for homeowners who have enough equity established in their homes and need to tap into it for major expenses such as tuition, a new car or major home improvements. Need funds now for a large expense or want to have cash ready for a future project? Celco Community's Home Equity Line of Credit (HELOC) is a revolving line of credit that uses your home as collateral. Members who apply and receive a HELOC are approved for a specific amount of credit and can use the funds available anytime during the life of the loan. Competitive Credit Union Home Loan Rates and Payment Options
A Home Equity Line of Credit, also known as a HELOC, is an adjustable rate loan that borrows from the available equity in your home and uses the home as collateral for the line of credit. Home Equity Line of Credit Features • Funds available on an as-needed basis • Extended period of time during which you can borrow • Available credit replenishes as you pay off the outstanding balance during the life of the loan
MarkYour Calendar: Annual Meeting April 28, 2018
nomi n a t i ng c ommi t t e e t o consider you as a possible candidate. Please contact the credit union no later than April 13, 2018. All members are invited, door prizes and dinner will be provided. The credit union directors are elected from the credit union’s membership by the account holders, each of whom has one vote regardless of account balances.
for the future, and conduct our Board of Director elections. Terms expiring: Connie Copeland Jeff Williams Please contact the credit union at 540-921-2700 and ask for Sheila Stafford if you would like the
Celco Community Credit Union invites our members to join us for the 2018 Annual Meeting. It will be held Saturday, April 28, 2018 at Giles High School in the auditorium. The meeting will begin at 5pm. We’ll reflect on the past year, discuss plans
ATM Safety Tips
Celco Community Credit Union Holiday Closings
1. Avoid facilities in dark or remote places. Park in a well-lighted area. 2. Be alert and aware of your surroundings. If you see people lurking around the ATM (i.e., in a parked car), go somewhere else. 3. At a drive-up facility, keep your doors locked and all passenger windows closed. 4. Keep your card in a safe place. Keep your PIN safe, and don’t give it to anyone. 5. Minimize your time spent at a machine. Have your card ready and all transactions prepared when you approach an ATM. 6. If you sense another person crowding you or attempting to view your transact ion, cancel the transaction and leave the location. Guard against others observing your PIN entry. 7. Refrain from displaying your cash at the ATM. As soon as your transaction is complete, place your money in your purse or wallet. Count the cash later in the safety of your car or home. Be sure to take your ATM receipt with you. 8. Look at the ATM before using it. If it doesn’t look right, don’t use it. If an ATM has any unusual signage, don’t use it. Follow these precautions to stay safe when making ATM withdrawals:
April 2….Easter May 28….Memorial Day
December 241/2….Christmas Eve December 25….Christmas Day July 4….Independence Day September 3….Labor Day October 8….Columbus Day November 12….Veterans Day November 22&23 Thanksgiving Day
9. If you are followed after making a transaction, go to the nearest public area where people are nearby. 10. Don’t fall for “con games”. Watch out for people who try to “help” you at an ATM. If anyone asks you to withdraw money for any reason, leave the area at once. 11. Check your statements to be sure there are no unusual withdrawals. 12. Report all crimes to the c r e d i t u n i o n a n d l a w enforcement immediately.
Several members have r e p o r t e d r e c e i v i n g phishing phone calls. Celco Community Credit Union will never call, email or text you and ask for your account information. Please do not give these callers any account numbers, debit or credit card numbers, Social Security numbers or any of y o u r p e r s o n a l a n d confidential information.
Skip A Payment We’ve got you covered! Skip A Payment allows you to have extra funds to shop, catch up on your bills, plan a vacation or anything else you need. *Skip-a-Payments are subject to approval. Not available on all loans. Some restrictions may apply.
DoMore In LessTime
Celco Community Mobile Banking gives you convenient, on the go access that your busy schedule demands. Move money, pay bills, monitor your accounts and much more, all from your favorite mobile device. Keeping t rack of your account and conducting your financial business has never been easier. Download the Celco Community mobile app from your device’s app store, login using your online banking credentials, and get started. It’s that easy.
✦ Review your transactions and balances anytime ✦ Transfer money between your accounts ✦ Pay your bills with Check Free Bill Pay ✦ And much, much more! For more information, call 540-921-2700 or visit www.celcofcu.org.
My Mortgage Account
Line Of Credit
Download the Celco Community mobile app from your device’s app store.
Whether you’re looking to enjoy the New River, tour the country, or leave paved roads behind you… we’ve got a loan for that! Let’s face it; our area is full of outdoor adventure! We FinanceYour Dreams!
Rates as low as 4.50% *Some restrictions may apply
We understand your passions, and want to help you get there; see us for loans on:
*All loans subject to approval. Rate based on creditworthiness.
Celco Community Credit Union
BEING ACTIVE IS NOT JUST ABOUT PLAYING SPORTS! IT IS AS Simple ACTIVE! C
Narrows Office 3381 Virginia Avenue - P.O. Box 361 Narrows, VA 24124 540.921.2700 Fax 540.921.4653 Pembroke Office 5862 Virginia Avenue Pembroke, VA 24136 540.626.2700 Fax 540.626.2703 Hours Monday - Friday 8:00-5:00 CLOSED - Saturday & Sunday ATM Locations: Narrows Office Pembroke Office Carilion Giles Community Hospital www.celcofcu.org Account Fee Members who have a share savings account and have no transactions for 18 months will incur a monthly $5 inactive fee, which will automatically b e d e d u c t e d f r om y o u r account. Dividends posted to y o u r a c c o u n t a r e n o t considered a transaction. Reminder: Dormant
Develop strong muscles, bones and joints Move with balance and flexibility Develop and maintain a healthy heart and lungs Maintain a healthy weight Make sure you put sunscreen on outside on a sunny day, wear safety gear when needed and keep safe on and around the road. Eating healthy food will give you the energy you need to keep active! Vigorous activities make you puffed (so you can’t say more than a few words without pausing for breath). This could be running, a game of tag, skipping, bouncing on the trampoline or sports like rugby, karate or netball. Why is it good to stay active? 60 minutes of physical activity will help AS SCOOTERING TO SCHOOL, RUNNING and jumping and even playing tag. it is important to HAVE at least 60 MINUTES OF MODERATE TO VIGOROUS PHYSICAL ACTIVITY EVERY day to help with YOUR learning and development Whats moderate to Vigorous ? Moderate activities make you breathe harder and your heart beat faster. This is things like walking the dog, biking to school, ballet or dance, or skateboarding.
DID YOU KNOW?
Nearly half of the children aged 5-14 years usually watch 2 or more
hours of TV every day?
DID YOU KNOW? Nearly half of
children aged 5-14 years usually walk, cycle, scooter, or skate to get to and
from school. Join them.
on… GET ACTIVE!
DON’T FORGET! Keep yourself hydrated by drinking plenty of water!