US Federal Credit Union :: Current Promotions

MoneyLine - August 2010

Just What the Doctor Ordered

Rattle. Clunk. Boom. The noises coming from your car may be telling you it’s time for a change. If you're in the market for a new vehicle, or paying too much for one you financed at that big bank, your credit union has just what the doctor ordered.

Get pre-approved today and shop with confidence. Don’t forget to ask for optional Credit Life and Disability, Mechanical Repair Coverage and Guaranteed Asset Protection when you apply. Plus, for a limited time make no payments for 90 days with your new auto loan.

No waiting required – Apply now!

1 800 345-2733 | (952) 736-5000

APR=Annual Percentage Rate. Rate presented for model years 2006 and newer and assumes auto-pay relationship. Rate effective as of 6-22-10 and is subject to change. Interest will accrue for first 90 days without payment. Rate available only on new loans to USFCU.

Back-To-School
With a US Federal Visa Credit Card.

It’s that time of year again, so let’s review. Expenses stack up with back-to-school shopping. From school supplies like notebooks and folders, to new gym shoes and jeans, getting what your child needs for a great start to the school year can be a real balancing act. So what is the simple solution? A US Federal Visa Credit Card – with low rates, no-fee cash advances, and fraud protection, it’s easy to be ready for back-to-school, even if they aren’t.

Plus, receive coupons to use with your Visa credit card throughout the year for even more savings!

Class dismissed – apply for a US Federal Visa now!

APR=Annual Percentage Rate. All loans are subject to credit approval.

Say “Yes” to Debit Card Overdraft Privilege
New Regulation Requires You to Opt-In.

Many of our members currently enjoy the convenience of our Overdraft Privilege program, which allows paper checks and automatic withdrawals to clear your account even if it draws the account negative. New federal regulation now requires you to opt-in in order to expand the Overdraft Privilege Program to your US Federal Visa Debit Card transactions.

WHY OPT-IN?
Opt-in for peace of mind. Consider Overdraft Privilege as a safety net. Nobody intends on overdrawing their account but accidents do happen. Opt-in to avoid a declined transaction when you need it most – like in a roadside emergency or an empty tank at the gas station. Plus, Debit Card Overdraft Protection doesn’t cost anything until you need it.

HOW TO OPT-IN
If you qualify, you should have already received correspondence asking if you are interested in this enhancement to our Overdraft Privilege Program. Simply call or visit the website on the letter now.

If you do not opt-in, any debit card transactions with insufficient funds will be declined.

Protect yourself – Opt-in today by completing the A-9 form, or Click here to learn more about our Overdraft Programs.

Overdraft Privilege services are discretionary. An overdraft fee will be assessed ranging from $19-$33 per overdraft item, depending on the number of items paid during the previous 12-month period.

Community Shred Day

Protect your confidential information & bring up to two boxes of documents for FREE secure shredding.

Saturday, September 11th
10:00 a.m. – 1:00 p.m.
USFCU Burnsville, Fridley and St. Paul locations only.

Plus:

First 25 attendees will receive a free Subway sandwich voucher
Register to win a crosscut shredder
Open to the community – bring your friends and neighbors

Freedom Delivered.
Refinance with a Free-In-10 Mortgage^SM

Our Free-In-10 Mortgage allows you to own your home free and clear in 10 years or less. Refinance your mortgage with our quick and easy application process and get freedom delivered right to your doorstep.

Reduce that long-term debt by switching to a low, fixed rate loan. Shave years off your existing term and save tens of thousands in interest:

Now’s the time to accelerate your mortgage and save big – apply today!

(952) 736-5220 | 1 800 842-3302

APR=Annual Percentage Rate. Free-in-10 Mortgage offer for mortgage refinances only and is not available in all states. Savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. Payment example: A $100,000 mortgage rate of 4.00% for 10 years would have a principal and interest payment of $1012.55. Assuming 80% Loan to Value, the resulting APR would be 4.213%. $999 closing cost offer good for loans up to $100,000, offer is $1299 for loans exceeding $100,000. Closing cost offer does not include the cost of appraisal if one is required. Other restrictions may apply. Rates effective 7/8/10 and can change daily. Equal Housing Lender.