SHAREHOLDER’S EDGEvehicles shall not exceed 100% N.A.D.A. OfficialUsed Car Guide retail value plus...
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SHAREHOLDER’S EDGE OCTOBER 2013 TIP: Use your Visa Debit Card as a “credit” transaction (requiring your signature) when making large purchases. “Debit” transactions require your PIN and there’s a $300.00 daily limit. Don’t forget: Debit Card transactions cannot be made between 8:30‑9:30PM daily. This is one secret worth revealing. Howard University Employees Federal Credit Union is now offering auto financing as low as 3% APR.* And with these additional features, the vehicle you’ve been considering is now even more affordable: • Borrow up to 125% of purchase price • Terms available up to 72 months • Credit Life and Disability Insurance are available Don’t wait. Stop in today, or get an application online. *APR=annual percentage rate. Your rate may vary based on creditworthiness. Sample payment: Borrow $20,000 at 3% APR for 60 months and repay approximately $359.37 monthly. To qualify for discount rate, members must participate in checking, direct deposit, online access and bill payment services. 4000 GOOD THRU Dormant Account Reminder An account is considered inactive after one (1) full year with no activity. The account is considered dormant or abandoned after three (3) years with no activity and must be forfeited to the District government. Inactive accounts with HUEFCU are assessed a monthly service fee of $5.00. With rates as low as APR! * 3%
Transcript of SHAREHOLDER’S EDGEvehicles shall not exceed 100% N.A.D.A. OfficialUsed Car Guide retail value plus...
SHAREHOLDER’S EDGE
OCTOBER 2013
TIP: Use your Visa Debit Card as a “credit”
transaction (requiring your
signature) when making large purchases. “Debit”
transactions require your PIN and there’s
a $300.00 daily limit. Don’t forget: Debit Card
transactions cannot be made between 8:30‑9:30PM daily.
This is one secret worth revealing. Howard University Employees Federal Credit Union is now offering auto financing as low as 3% APR.* And with these additional features, the vehicle you’ve been considering is now even more affordable:
• Borrow up to 125% of purchase price
• Terms available up to 72 months
• Credit Life and Disability Insurance are available
Don’t wait. Stop in today, or get an application online.
*APR=annual percentage rate. Your rate may vary based on creditworthiness. Sample payment: Borrow $20,000 at 3% APR for 60 months and repay approximately $359.37 monthly. To qualify for discount rate, members must participate in checking, direct deposit, online access and bill payment services.
4000
GOODTHRU
Dormant Account
ReminderAn account is considered inactive
after one (1) full year with no activity. The account is considered dormant or abandoned after three (3) years with no activity and must be forfeited to the
District government. Inactive accounts with HUEFCU are assessed a monthly service fee of $5.00.
With rates as low as
APR!*3%
CREDIT
Holiday Club SavingsSaving for the holidays is easy with a Credit Union Holiday Club Account.
• $5 minimum balance to open the account and begin earning dividends• Transferred after the first payday in October to your choice of savings
or checking account• Payroll deduction available for systematic and regular deposits• Holiday Club accounts automatically renew each year, so you can
count on having cash for the holidays!• Open new Holiday Clubs from October 14 through December 3, 2013
Howard University employees Federal Credit Union
www.huefcu.org
Main Campus 525 Bryant Street, NW, Room C-102
Washington, DC 20059 Phone: 202-806-6128 Fax: 202-806-4511
Routing Number 254074727
Federally Insured by NCUA
Loan RatesEffective August 1, 2013
Auto Loans New and Used As low as 3.00% APR* (New vehicles financed up to 125% of the purchase price plus tax, tags, extended warranty, and GAP insurance. Used vehicles shall not exceed 100% N.A.D.A. Official Used Car Guide retail value plus extended warranties, taxes and tags.)
Signature Loans As low as 10.00% APR
Lines of Credit — HUCASH 8.95% APR
Share Secured Loans up to 60 months 4.00% APR
Second Chance Loans 17.00% APR*APR = annual percentage rate
Dividend RatesAll Share Accounts .10% APY* Effective October 1, 2011
(Subject to change quarterly.)*APY = annual percentage yield
StaffMr. Michael E. Hines, CEOMs. Tammy R. Kemp, Member Service
SupervisorMr. Terrell J. Downing, Office Assistant
Office HoursMon., Tues., Wed., Fri. : 9:00 a.m. to 3:00 p.m.
Thurs.: 9:00 a.m. to noon
Statistics as of August 31, 2013
Assets $11,117,528Shares $7,594,489Loans $3,935,000Members 2,064
HolidaysColumbus Day — Monday, Oct. 14Veterans Day — Monday, Nov. 11
Thanksgiving Day — Thursday, Nov. 28Christmas Day — Wednesday, Dec. 25New Year’s Day — Wednesday, Jan. 1
E Printed on recycled paper with soy ink © 2013 visions, ink. 331430 9/13
You’ve been good* all year, so here’s our gift to you…Ask about Skip-A-Payment!
• Apply to skip one monthly or two bi-weekly loan payments• Limited offer from December 1 to January 31• $25 processing fee for each loan skipped • No late fees or damage to credit record• Visit www.huefcu.org for more information
*A member in good standing is defined as maintaining positive balances on deposit accounts, current status on Howard University Employees Federal Credit Union loans and regular account activity. Second Chance loans are not eligible for this promotion.
This is one secret you need to know. HUEFCU has joined the CO-OP Network—giving you nationwide ATM access at
popular stores, including 7-Eleven. Now, banking is more convenient than ever.
• Free Checking
• 24/7 Virtual Branch online banking
• More than 30,000 CO-OP surcharge-free ATMs nationwide!
To find the location nearest you, check out our new ATM locator at www.huefcu.org.
PLEASE NOTE: ATMs and Debit Card transactions are not available between 8:30-9:30PM to allow for offline daily system balancing.
Look for these logos:
