rate.KEEP THE SAME LOW RATE FOR THE LIFE OF THE BALANCE!

Our Quarterly Newsletter for UVA Community Credit Union Members

more

extra creditfall 2013

RATES AS LOW AS

HOLIDAY LOAN

give more. plan more. go more.

399%APR

*

Borrow up to $2,500 for 12 months.

apply between november 1 – december 31, 2013.apply between november 1 – december 31, 2013.

3.99%APR

*

as low as

P werSaverLOANS

on energy efficiency home improvements, updates, and repairs.

RATES AS LOW AS

2.99APR%*

Hurry! Limited Time offer. Special Rates available

September 23 —November 30, 2013.

LoveYOUR RIDE

1.99 *%APR

rates as low aspurchase

3refinance

and drop your rate

up to %APR

*

GET AWAY WITH A

*VISIT ANY BRANCH LOCATION OR UVACREDITUNION.ORG FOR DETAILS ON THESE AND OTHER LOAN PROMOTIONS

Open a credit union VISA card between October 15, 2013—January 31, 2014

and receive rates as low as 3.99% APR* on all purchases and balance transfers

made during that time period.

ANYWHERE, ANYTIME WITH MOBILE APPS Available for iPhone®, iPad®, and Android™

If you own a smartphone, our Mobile Apps put financial management in the palm of your hand. Our Mobile Apps give you a fast, free*, and secure way to review account balances, pay bills to existing payees**, transfer funds between accounts, locate our branches and surcharge-free ATMs, and more. If you are already an Online Banking user, you can download the app on your mobile device. If you’re not an Online Banking user, visit uvacreditunion.org to get started. Take control of your finances anywhere, anytime, anyplace with credit union Mobile Apps!*Message and data rates may apply from your wireless carrier. ** For eligible members who have payees already set up in Online Bill Pay. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

greatLoan Saver

USE OUR

Online Calculator

We’re with you wherever

you go

See how much you can save with a credit union loan today!

Air Sealing and Weather Stripping Workshop Thursday, October 10Identity Theft: Who’s Got Your Number Thursday, October 17

Five Things to Do Today to Prepare for Retirement Thursday, november 7

Take Charge: Wise Use of Credit Cards Thursday, november 14

Building a Budget wednesday, december 4

BERKMAR BRANCH 6:00 to 7:30 p.m.

free education seminars

SEATING IS LIMITED. Register at uvacreditunion.org or call 434-964-2001 today!

a message from MEMBERS financial services

THE ABCs OF IRAsThis popular retirement savings vehicle comes in several varieties.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member HYPERLINK “http://www.finra.org/”FINRA /HYPERLINK “http://www.sipc.org/”SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. 09142012-WR-595

What don’t you know? Many Americans know about Roth and tradi-tional IRAs … but there are other types of IRAs. Here’s a quick look: Traditional IRA (or deductible IRA) is an individual savings plan for anyone who receives taxable compensation. IRA assets may be invested in any number of vehicles, and contributions may be tax-deductible. Earnings in a traditional IRA grow tax-deferred until withdrawal, but will be taxed when withdrawal begins - and withdrawals must begin by the time the IRA owner reaches age 70½. Roth IRA offers you tax-free compounding, tax-free withdrawals if you are older than age 59½ and have owned your account for at least five years, and the potential to make contributions to your IRA after age 70½ without having to take RMDs. SIMPLE IRAs are qualified retirement plans for businesses with 100 or fewer employees. SEP stands for Simplified Employee Pension. These traditional IRAs are set up by an employer for employees and funded by employer contributions only.

Spousal IRA is actually a rule that lets a working spouse make traditional or Roth IRA contributions on behalf of a non-working or retired spouse. Inherited IRA a Roth or traditional IRA inherited by a non-spousal beneficiary. Group IRA is simply a traditional IRA offered by employers, unions, and other employee associations to their employees, administered through a retire-ment trust. Rollover IRA. Assets distributed from a qualified retirement plan may be rolled over into a traditional IRA, which may be converted later to a Roth IRA. Education IRA (Coverdell ESA) provides a vehicle to help middle-class investors save for a child’s education.

Consult a qualified financial advisor regarding your IRA options. There are many choices available, and it is vital that you understand how your choice could affect your financial situation. No one IRA is the “right” IRA for everyone, so do your homework and seek advice before you proceed. Call Dana Esposito, MEMBERS Financial Services Coordinator, at 434-964-2001 ext. 3074 for an appointment.

ON YOUR HOME APPRAISAL500*$

Close a new mortgage with us before December 31, 2013, and we will deduct up to $500 from the cost of your home appraisal.

Coupon must be presented at application. Offer is non-transferable. No cash value. New purchases only.

*Save up to $500 off your home appraisal if you close your 15-year

or greater term, first mortgage, on a home purchase, with us. Credit applied

toward appraisal. No cash paid to the borrower. Only one offer per mortgage application. Offer cannot be combined

with any other mortgage offer. Credit is subject to approval.

Acceptable credit and property standards apply. Coupon must be

presented with your application.

SAVE UP TO

GET YOUR HOME MORTGAGE FROM THE CREDIT UNION AND SAVE! For personal assistance, call our mortgage loan consultants at 434-964-2001 Option 5 today!

International Credit Union Day

October 17, 2013join us at any branch to celebrate credit unions

and their communities worldwide.

Savings/ Christmas Club/ Traditional IRA/ Roth IRA/ Coverdell ESA IRA/ Money Market Investment Account/ Certificates/ New and Used Car Loans/ Signature/ Home Equity Line of Credit/ Share Secure/ Overdraft Protection/ VISA Credit Cards/ MortgageSee credit union for Rate Details or visit uvacreditunion.org. Contact a member service representative at 434-964-2001 for more information about fees and rates or for questions concerning your account. All rates are subject to change without notice.

Mailing Address / Main Phone Numbers3300 Berkmar Drive, Charlottesville, Virginia 22901 434-964-2001 / 888-887-9136

Website/Online Banking/Bill Pay/Mobile Banking uvacreditunion.org • mobile.uvacreditunion.orgCall 24 Telephone Account Access434-964-2050The Credit Union Will Be ClosedColumbus Day October 14 / Veterans Day November 11 Thanksgiving Day November 28 / Christmas Day December 25

Branch Locations1936 Arlington Boulevard, 3300 Berkmar Drive, 1018 W. Main Street, 900 E. Jefferson Street, 250W Shoppes at Clover Lawn (Crozet), 56 StoneRidge Drive South (Ruckersville), 6042 Thomas Jefferson Parkway (Palmyra), 3033 Rockfish Valley Highway (Nellysford), 220 Wayles Lane (Pantops Mountain), 1.2 miles north of Lowes off Route 15 (Zion Crossroads), 409 E. Main Street (Louisa), Patriot Pride (A student-run branch located in Albemarle High School), Lion Nation (A student-runbranch located in Louisa County High School)

This credit union is federally insured by the National Credit Union Administration.

Mortgage services provided by Member Options, LLC (licensed by the Virginia State Corporation Commission, VA License#MC-5520) NMLS #194038 (nmlsconsumeraccess.org) a wholly owned subsidiary of UVA Community Credit Union.