April-June 2016 MEMBERS FIRST CREDIT UNION DIRECT DEPOSIT Sign up for Just imagine the possibilities of what a Home Equity Loan could do for you! Whether you're looking to make home improvements, consolidate debt, or go on your dream vacation, we can help with an easy application process & either no closing costs or a lower rate. You choose! Signing up for your first Direct Deposit ever could earn you $25! To find out more about our Direct Deposit promo, visit www.m1st.org and click on the Current Promotions button on our home page! May is Home Equity month! April is Direct Deposit month! How To Qualify for Direct Deposit $25! Member Name:______________________________________ Member Account No:__________________________________ Date of First Direct Dep:_______________________________ Amount of First Direct Dep:_____________________________ Teller Name:______________ Referral Date:_______________ Date Paid:__________________________________________ To qualify for the $25 Direct Deposit credit, this must be the very first Direct Deposit of any kind between any account and/or account holders, opened or closed. The Direct Deposit must be recurring weekly, bi-weekly, or monthly and must total at least $400 per month. Require- ments must be met and coupon must be turned in within 45 days of the first Direct Deposit. If over 45 days this offer is void and no longer available. M1st employees will not be responsible for tracking or keeping coupons. This coupon is the sole responsibility of the member. This offer is subject to change or discontinue anytime without notice, and cannot be combined with any other offer.
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MEMBERS FIRST CREDIT UNION r DIRECT DEPOSIT · PDF fileMEMBERS FIRST CREDIT UNION r DIRECT DEPOSIT ... May is Home Equity month! April is Direct ... Ty Crowley Aaron Pineda
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April-June 2016
MEMBERS FIRSTCREDIT UNION
DIRECT DEPOSITSign up for
Just imagine the possibilities of what a Home Equity Loan could do for you! Whether you're looking to make home improvements, consolidate debt, or go on your dream vacation, we can help with
an easy application process & either no closing costs or a lower rate. You choose!
Signing up for your first Direct Deposit ever could earn you $25! To find out more about our Direct Deposit promo, visit www.m1st.org and click on the Current Promotions button
on our home page!
May is Home Equity month!
April is Direct Deposit month!
How To Qualify for Direct Deposit $25!Member Name:______________________________________Member Account No:__________________________________Date of First Direct Dep:_______________________________Amount of First Direct Dep:_____________________________Teller Name:______________ Referral Date:_______________Date Paid:__________________________________________
To qualify for the $25 Direct Deposit credit, this must be the very first Direct Deposit of any kind between any account and/or account holders, opened or closed. The Direct Deposit must be recurring weekly, bi-weekly, or monthly and must total at least $400 per month. Require-ments must be met and coupon must be turned in within 45 days of the first Direct Deposit. If over 45 days this offer is void and no longer available. M1st employees will not be responsible for tracking or keeping coupons. This coupon is the sole responsibility of the member. This offer is subject to change or discontinue anytime without notice,
and cannot be combined with any other offer.
77th ANNUAL MEETING
ATM/Check Card Security
Members First held it’s 77th annual meeting on Thursday March 3, 2016. Approximately 52 members attended the business meeting. The Annual Report is now posted Online.
The following information is a list of safety precautions regarding the use of Automated Teller Machines (ATM’s) and Night Deposit Facilities. Be aware of your surroundings, particularly at night. Consider having someone accompany you when the ATM or night deposit facility is used after dark. If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction. Do not write your personal Identification number (PIN) or code on your ATM/Debit card or where it could be obtained along with your card.Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash after you are in the safety of your car or home. If you notice anything suspicious at the ATM or Night Drop, consider using another ATM or Night Drop or come back a different time. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction; take your card or deposit envelope and leave. If you are followed after making a transaction, go to the nearest public area where people are located. Report all crimes to law enforcement officials immediately.
We Now Offer TUTMA Accounts With Kids Klub! WHEN YOU OPEN A KIDS KLUB ACCOUNT FOR A CHILD 12 OR YOUNGER, WE’LL
DEPOSIT $10 TO GET THEM STARTED! GET THE COUPON ON THE NEXT PAGE!
June is Kids
Klub month!
New Members Name: ________________________________ (Child’s Name)
Referred by: ________________________________________ (Current members last name & Account #)
Teller:__________________ Date:______________________To qualify for the $10 Refer a Kid, this must be the first Kids Klub account they have ever had. Only 1 coupon per
child/and or Social Security #, and this coupon must be turned in within 45 days of opening the account.
Refer a kid 12 or under to open a Kids Klub Account and we’ll deposit $10 in their new account to get them started!
K I D S K UL B
It is the policy of Members First Credit Union to review and update our account records periodically. Our records show that we are holding unclaimed funds that may belong to members named below. When an account has no activity for three years, and contact has not been made with the member within past year, it is considered to be a dormant account. These accounts have attained dormancy status. Under Texas state law, we are required to deliver these funds to the Texas Comptroller of Public Accounts, on or before July 1, 2016 if the funds are not claimed. If your name or the name of someone you know is listed below, please contact the Member Service Dept. by June 10, 2016 at (361) 991-6178 or 1-800-242-3037 to prevent remittance of your account to the state.
LOAN TYPE APRNew/Used Vehicles 3.20 - 14.95%Other Secured 4.70 - 13.45%Personal 7.90 - 17.90% Credit Cards 9.90 - 17.90%Unimproved Property 5.95 - 8.95%First Mortgage 3.45 - 8.45%Home Equity 3.70 - 8.45%Share Secured Last Rate + 3.50%CD Secured CD Rate + 2.00%Rate determined by Credit rating, amount financed, and term of the loan. Rates are as of March 31, 2016 but subject to change without notice. All loans subject to usual credit standards.
LOAN RATES Share Accounts APYShare Savings 0.25%Kids Klub 0.25%Money Market 0.401 - 0.602% CD’S Set DailyIRA Savings 1.005%Rates for Share Savings and Kids Klub are set at the end of each quarter for the previous quarter. The rates stated are for the quarter ending March 31, 2016. All other rates are subject to change at any time. Contact Financial Services at 361-991-6178 for most up-to-date rates and for information about fees and other conditions which could change the dividends/interest on these accounts.
DEPOSIT RATES
Credit Union documents available for review are our most recent statement of �nancial condition, annual audit summary, IRS form 990, and credit union bylaws.
Members First will be closed the following holidays:
Memorial Day - Monday, May 30
Please visit us Online at www.m1st.org to see our current vehicles for sale. Our website will show you the make, model, year, mileage and price. It also has pictures of the vehicles side and front. If you like it, you can now apply with our simple Online application!If you need further information about our vehicles for sale that’s not listed on the website, call Chris at 361-986-6912.