Please refer to the newsletter inserted in your statement for more information and a reservation form.   For those with e-statements the newsletter will be available on-line. 

Tax Refund Time!!!!  Make sure you know the correct routing and account numbers when having  your  tax refund direct deposited. Please contact any office to verify the correct numbers prior to filing your tax return.

DO NOT GET TRAPPED BY THE OTHERS

A Credit Union Credit Card: Is Your Best Bet

You have likely heard about some of the credit card changes in the new CARD act.  Credit unions largely conform to the new rules already, and always have.  If you already have a credit union credit card--good for you.  If not, now is the time for change.

You will not only pay lower interest rates than you will with a bank card, but you will get low fees, a reasonable grace period and great member service that are just routine at the credit union.  It is worth the few minutes it will take to compare the card you are using with what you will get using a credit union credit card.

• Fixed rates starting as low as 8.90% APR* (Depending on your credit worthiness)
• Annual Fee                           None
• Inactivity Fee                        None
• Cash Advance Fee                None
• Balance Transfer Fee            None
• Convenience Check Fee        None
• Over Limit Fee                        None
• Returned Check Fee             $25.00
• International Currency/         1% for multiple international currency conversion                                            Conversion Fee                       .80% for single international currency conversion

*APR=ANNUAL PERCENTAGE RATE