JULY 2009 More than 125,000 Vehicles Sold! The Invest in America program has helped Credit Union members save money on more than 100,000 new American-made vehicles. And the good news is, you still have time to get in on the savings. GM is offering Supplier Pricing for current and eligible Credit Union members through December 31, 2009. This discount can be layered on top of other incentives. Visit www.lovemycreditunion.org for details. The ripple effects of the recession continue to impact many of our members, as well as their families and friends. With General Motors and Chrysler making drastic changes, our area has been hit particularly hard. Please remember that Wanigas is here to help. If you are having trouble keeping up with your bills, you can obtain FREE financial counseling through Accel. Wanigas also might be able to set up a debt consolidation loan or help you find other solutions. If you are concerned about your credit score, ask us for a free credit report review. We can help you monitor and improve your credit standing. If you have an adjustable-rate mortgage or a high-rate auto loan, you may be able to refinance here at Wanigas and cut down those monthly payments. Wanigas is a strong, stable financial institution, with $229 million in assets, a healthy loan portfolio and the maximum level of federal deposit insurance. As your Credit Union, we are committed to supporting your financial success. Please don’t hesitate to call on us if you need assistance or advice. We Are HERE For You! OF THE Reader’s Choice Awards 2009 Thank you Wanigas Members for your vote! Voted #1! Refinance Here! You can maximize your savings by refinancing here at Wanigas. Through the month of July, Wanigas members that refinance their auto loan from another lender to Wanigas will receive $100 ** . Rates as low as 4.99 % APR* *APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice. **Loan must be at least $10,000.
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J u ly 2 0 0 9
© CUAdvantage.com • 877.799.0784
M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601
(989) 759-5780 Fax: (989) 753-7864Toll Free: 1-800-675-2285
www.wanigas.com
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 7 a.m. - 5:30 p.m. Friday............................. 7 a.m. - 5 p.m.
s H a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603
(989) 799-9800 Fax: (989) 799-9836
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.
D r i v e - t H r u Thursday .................. 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.
B ay c i t y O f f i c e4129 North Euclid
(1/4 mile south of Wilder Road) Bay City, MI 48706
(989) 799-9801 Fax: (989) 684-8061Toll Free: 1-888-684-4860
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.
D r i v e - t H r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.
Holiday ClosingsinDepenDence DayfriDay, july 3saturDay, july 4
laBOr DaysaturDay, septeMBer 5MOnDay, septeMBer 7
More than
125,000vehicles sold!The Invest in America program has helped Credit Union members save money on more than 100,000 new American-made vehicles. And the good news is, you still have time to get in on the savings.
GM is offering Supplier Pricing for current and eligible Credit Union members through December 31, 2009. This discount can be layered on top of other incentives. Visit www.lovemycreditunion.org for details.
The ripple effects of the recession continue to impact many of our members, as well as their families and friends. With General Motors and Chrysler making drastic changes, our area has been hit particularly hard. Please remember that Wanigas is here to help.
If you are having trouble keeping up with your bills, you can obtain free financial counseling through Accel. Wanigas also might be able to set up a debt consolidation loan or help you find other solutions.
If you are concerned about your credit score, ask us for a free credit report
review. We can help you monitor and improve your credit standing.
If you have an adjustable-rate mortgage or a high-rate auto loan, you may be able to refinance here at Wanigas and cut down those monthly payments.
Wanigas is a strong, stable financial institution, with $229 million in assets, a healthy loan portfolio and the maximum level of federal deposit insurance. As your Credit Union, we are committed to supporting your financial success. Please don’t hesitate to call on us if you need assistance or advice.
We Are Here For You!
special savings at
j u ly 1 3 t H – 1 7 t H
$500 off a USeD vehicle if you buy
at Garber and finance with Wanigas.
Plus ¼% off our already-low rates!
View Garber’s inventory at
www.garberbuick.com or call
888-830-1419. Contact Wanigas
ahead of time for pre-approval.
OFTHE
R e a d e r ’s C h o i c e A w a r d s
2009
Thank you
Wanigas
Members
for your vote!
voted #1!
it’s a Great time to Buy Or refinanceThere is a bright side to today’s real estate market. In fact, there are some unique conditions in place right now that could help you save a lot of money.
for starters, mortgage rates remain near historic lows. This will, of course, help keep your payments as low as possible. Housing prices are also down, which is good news for buyers.
If you are a first-time home buyer, you may be able to take advantage of a tax credit up to $8,000. The credit does not have to be paid back, but it applies only for qualified buyers, and only for purchases completed before December 1, 2009. You can visit www.federalhousingtaxcredit.com for complete details.
Plus, you may qualify for our first Time Home Buyers Program and save even more! Wanigas waives the $350 processing fee and borrowers may choose either a .25% discount on their rate or to have Wanigas pay 50% of the closing costs*.
Your Credit Union membership is always an advantage when it’s time for a home loan. We can set up a new mortgage or refinance an existing loan from another financial institution, and we offer low rates, fixed terms up to 30 years, and personal, professional service.
Our website allows you to apply for free pre-approval, view our current rates or learn more about the mortgage process. If you prefer, you can call (989) 799-9777 or stop by any branch. We will be happy to answer your questions in person.
*Wanigas will pay 50% of closing costs including appraisal, title closing, underwriting, title insurance, courier and recording fees.
refinance Here!You can maximize your savings by refinancing here at Wanigas. Through the month of July, Wanigas members that refinance their auto loan from another lender to Wanigas will receive $100**.
Rates as low as
4.99%APR*
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.**Loan must be at least $10,000.
pag e pag e
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Player: ________________________________________ Account #: ____________________________
Player: ________________________________________ Account #: ____________________________
Player: ________________________________________ Account #: ____________________________
Course Preference (not guaranteed): Swan Valley Crooked Creek
Opponents determined by draw. Deliver your completed form with payment to one of our three offices. If you wish to play with a certain team, please list their names below:____________________________________________________________________________________________________________________________________________________________________________
23rd AnnuAl WAnigAs golf outing registrAtion form
it’s Our 23rd annual
Golf Outing
return your completed form to us with the fee for each team member. The number of participants is limited to ensure fast-paced play. We hope to see you on the links!
Saturday, August 15, 20099:00 a.m., Shotgun StartSwan Valley & Crooked Creek Golf Courses$45 per person
Register Today! Assemble your own three-person team (members only) for this exciting 18-hole scramble tournament.
Give your Budget a Break this summer With skip-a-payment!While you are busy traveling with your family, working around the house, or just enjoying your summer, give your budget a vacation as well! Simply sign up for Skip-A-Payment, and relax.
We will let you skip your July payment for Wanigas loans* that are currently in good standing. Normal interest will continue to accrue, and the skipped payment will be added to the end of your loan term.
We are happy to provide this convenient option for our members. To participate, just fill out the form below and mail it to us, or return it to any branch in person.
*First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after January 1, 2009 are not eligible for this offer.
su
MM
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Or
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I would like to postpone my Wanigas Credit Union loan payment.*
o Please deduct the $20 processing fee from my: Account Number ___________________________ o Savings o Checking
o I have enclosed a check totaling $20 for each postponed loan.
Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.first Mortgages, Second Mortgages, Home equity Loans, Credit Cards, revolving Lines of Credit and Loan Disbursements after January 1, 2009 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year.
Account Number Loan Suffix Payment Amt. Month To Skip______________________ ____________ _______________ o July______________________ ____________ _______________ o July______________________ ____________ _______________ o July* I authorize Wanigas Credit Union to postpone my July payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.
Primary Member Signature Date Co-Signer Signature (required if loan has a Co-Signer) Date
Daytime Phone Processed by Date
2009 Mcullaf Grand raffleIt’s raffle time again! Come pick up some tickets, and you could be a winner!
The winner can choose between a beautiful new 2009 Dodge
Challenger or $20,000 in cash!
The drawing will be held on Tuesday, November 3, 2009. raffle participants do not need to be present to win. This annual program benefits the Michigan Credit Union League Legislative Action fund (MCULLAf) and helps ensure that Credit Unions will have a strong voice in Washington. Stop by any branch to purchase tickets for just $5 each.
MC
U
LLAF/MCULA
F
shred-it DayMost of us have piles of paper that we would love to get rid of. Well, here’s your chance!
free shredding for Wanigas membersThursday, July 16th
11:30 a.m. to 1:30 p.m.Shattuck Branch
You can protect yourself from identity theft by shredding unneeded receipts, statements or other papers containing personal information. Bring it all in, and we will shred it for you!
estatements: Go paper-free and Get $5Want to earn a little extra cash, and enjoy extra convenience? You’re in luck! right now we are offering $5 for each member who signs up for eStatements during July, August and September.
eStatements are great for you – and economical for your Credit Union. You can get your statement faster, use less paper, and help us save money on postage costs. Visit www.wanigas.com and enter Internet Home Banking to sign up.
pag e pag e
Wa
nig
as
Cr
ed
it U
nio
n
WW
W.W
an
iga
s.C
om
Player: ________________________________________ Account #: ____________________________
Player: ________________________________________ Account #: ____________________________
Player: ________________________________________ Account #: ____________________________
Course Preference (not guaranteed): Swan Valley Crooked Creek
Opponents determined by draw. Deliver your completed form with payment to one of our three offices. If you wish to play with a certain team, please list their names below:____________________________________________________________________________________________________________________________________________________________________________
23rd AnnuAl WAnigAs golf outing registrAtion form
it’s Our 23rd annual
Golf Outing
return your completed form to us with the fee for each team member. The number of participants is limited to ensure fast-paced play. We hope to see you on the links!
Saturday, August 15, 20099:00 a.m., Shotgun StartSwan Valley & Crooked Creek Golf Courses$45 per person
Register Today! Assemble your own three-person team (members only) for this exciting 18-hole scramble tournament.
Give your Budget a Break this summer With skip-a-payment!While you are busy traveling with your family, working around the house, or just enjoying your summer, give your budget a vacation as well! Simply sign up for Skip-A-Payment, and relax.
We will let you skip your July payment for Wanigas loans* that are currently in good standing. Normal interest will continue to accrue, and the skipped payment will be added to the end of your loan term.
We are happy to provide this convenient option for our members. To participate, just fill out the form below and mail it to us, or return it to any branch in person.
*First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after January 1, 2009 are not eligible for this offer.
su
MM
er
sk
ip-a
-pa
y f
Or
M
I would like to postpone my Wanigas Credit Union loan payment.*
o Please deduct the $20 processing fee from my: Account Number ___________________________ o Savings o Checking
o I have enclosed a check totaling $20 for each postponed loan.
Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.first Mortgages, Second Mortgages, Home equity Loans, Credit Cards, revolving Lines of Credit and Loan Disbursements after January 1, 2009 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year.
Account Number Loan Suffix Payment Amt. Month To Skip______________________ ____________ _______________ o July______________________ ____________ _______________ o July______________________ ____________ _______________ o July* I authorize Wanigas Credit Union to postpone my July payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.
Primary Member Signature Date Co-Signer Signature (required if loan has a Co-Signer) Date
Daytime Phone Processed by Date
2009 Mcullaf Grand raffleIt’s raffle time again! Come pick up some tickets, and you could be a winner!
The winner can choose between a beautiful new 2009 Dodge
Challenger or $20,000 in cash!
The drawing will be held on Tuesday, November 3, 2009. raffle participants do not need to be present to win. This annual program benefits the Michigan Credit Union League Legislative Action fund (MCULLAf) and helps ensure that Credit Unions will have a strong voice in Washington. Stop by any branch to purchase tickets for just $5 each.
MC
U
LLAF/MCULA
F
shred-it DayMost of us have piles of paper that we would love to get rid of. Well, here’s your chance!
free shredding for Wanigas membersThursday, July 16th
11:30 a.m. to 1:30 p.m.Shattuck Branch
You can protect yourself from identity theft by shredding unneeded receipts, statements or other papers containing personal information. Bring it all in, and we will shred it for you!
estatements: Go paper-free and Get $5Want to earn a little extra cash, and enjoy extra convenience? You’re in luck! right now we are offering $5 for each member who signs up for eStatements during July, August and September.
eStatements are great for you – and economical for your Credit Union. You can get your statement faster, use less paper, and help us save money on postage costs. Visit www.wanigas.com and enter Internet Home Banking to sign up.
J u ly 2 0 0 9
© CUAdvantage.com • 877.799.0784
M a i n O f f i c e1837 Bagley Street Saginaw, MI 48601
(989) 759-5780 Fax: (989) 753-7864Toll Free: 1-800-675-2285
www.wanigas.com
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 7 a.m. - 5:30 p.m. Friday............................. 7 a.m. - 5 p.m.
s H a t t u c k O f f i c e4026 Shattuck Road Saginaw, MI 48603
(989) 799-9800 Fax: (989) 799-9836
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.
D r i v e - t H r u Thursday .................. 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.
B ay c i t y O f f i c e4129 North Euclid
(1/4 mile south of Wilder Road) Bay City, MI 48706
(989) 799-9801 Fax: (989) 684-8061Toll Free: 1-888-684-4860
H O u r s Monday ......................... 9 a.m. - 5 p.m. Tuesday ................... 10:15 a.m. - 5 p.m. Wednesday ................... 9 a.m. - 5 p.m. Thursday................... 9 a.m. - 5:30 p.m. Friday............................. 9 a.m. - 5 p.m.
D r i v e - t H r u Thursday................... 8 a.m. - 5:30 p.m. Friday............................. 8 a.m. - 5 p.m. Saturday ....................... 9 a.m. - 12 p.m.
Holiday ClosingsinDepenDence DayfriDay, july 3saturDay, july 4
laBOr DaysaturDay, septeMBer 5MOnDay, septeMBer 7
More than
125,000vehicles sold!The Invest in America program has helped Credit Union members save money on more than 100,000 new American-made vehicles. And the good news is, you still have time to get in on the savings.
GM is offering Supplier Pricing for current and eligible Credit Union members through December 31, 2009. This discount can be layered on top of other incentives. Visit www.lovemycreditunion.org for details.
The ripple effects of the recession continue to impact many of our members, as well as their families and friends. With General Motors and Chrysler making drastic changes, our area has been hit particularly hard. Please remember that Wanigas is here to help.
If you are having trouble keeping up with your bills, you can obtain free financial counseling through Accel. Wanigas also might be able to set up a debt consolidation loan or help you find other solutions.
If you are concerned about your credit score, ask us for a free credit report
review. We can help you monitor and improve your credit standing.
If you have an adjustable-rate mortgage or a high-rate auto loan, you may be able to refinance here at Wanigas and cut down those monthly payments.
Wanigas is a strong, stable financial institution, with $229 million in assets, a healthy loan portfolio and the maximum level of federal deposit insurance. As your Credit Union, we are committed to supporting your financial success. Please don’t hesitate to call on us if you need assistance or advice.
We Are Here For You!
special savings at
j u ly 1 3 t H – 1 7 t H
$500 off a USeD vehicle if you buy
at Garber and finance with Wanigas.
Plus ¼% off our already-low rates!
View Garber’s inventory at
www.garberbuick.com or call
888-830-1419. Contact Wanigas
ahead of time for pre-approval.
OFTHE
R e a d e r ’s C h o i c e A w a r d s
2009
Thank you
Wanigas
Members
for your vote!
voted #1!
it’s a Great time to Buy Or refinanceThere is a bright side to today’s real estate market. In fact, there are some unique conditions in place right now that could help you save a lot of money.
for starters, mortgage rates remain near historic lows. This will, of course, help keep your payments as low as possible. Housing prices are also down, which is good news for buyers.
If you are a first-time home buyer, you may be able to take advantage of a tax credit up to $8,000. The credit does not have to be paid back, but it applies only for qualified buyers, and only for purchases completed before December 1, 2009. You can visit www.federalhousingtaxcredit.com for complete details.
Plus, you may qualify for our first Time Home Buyers Program and save even more! Wanigas waives the $350 processing fee and borrowers may choose either a .25% discount on their rate or to have Wanigas pay 50% of the closing costs*.
Your Credit Union membership is always an advantage when it’s time for a home loan. We can set up a new mortgage or refinance an existing loan from another financial institution, and we offer low rates, fixed terms up to 30 years, and personal, professional service.
Our website allows you to apply for free pre-approval, view our current rates or learn more about the mortgage process. If you prefer, you can call (989) 799-9777 or stop by any branch. We will be happy to answer your questions in person.
*Wanigas will pay 50% of closing costs including appraisal, title closing, underwriting, title insurance, courier and recording fees.
refinance Here!You can maximize your savings by refinancing here at Wanigas. Through the month of July, Wanigas members that refinance their auto loan from another lender to Wanigas will receive $100**.
Rates as low as
4.99%APR*
*APR = Annual Percentage Rate. Quoted rate is the lowest available rate. Your rate will be based on your credit history and may be higher. Rates and terms subject to change without notice.**Loan must be at least $10,000.
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