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February 2018
Newsletter
As this article is being written, our government has shut down.
Much has happened over the past year, and I cannot help but
wonder, are we better off today than one year ago? More important,
where will we be a year from now? Major changes to our tax
code have been put into place. The corporate tax rate has been
slashed to make America more competitive around the globe. The
tax tables have changed but many changes have occurred that
may impact you either positively or negatively starting in 2018.
What’s deductible and what isn’t? How does this affect you or me?
Sometimes those answers are murky at best.
Fortunately, NorthStar Credit Union offers the NorthStar Investment
Center in partnership with USAdvisors Wealth Management, LLC,
to help members prepare for a bright nancial future. William “Bill”
Metcalf is our Financial Advisor, with his ofce in our Warrenville
branch. Bill can be reached at 630-821-7265 or by e-mail at
william.metcalf@securitiesamerica.com to schedule a meeting.
You can also schedule an appointment with Bill at any of our
branch locations. Bill will also present seminars on a wide range of
nancial topics, so consider inviting him into your business.
Don’t wait until the end of 2018 to prepare; make an appointment
with Bill this month and get a leg up on the biggest tax overhaul in
the past 30 years.
Jim Dean
President
William Metcalf • Financial Advisor • 630.821.7265 • william.metcalf@securitiesamerica.com
3 S 555 Winfield Road • Warrenville, IL • 60555
Securities offered through Securities America, Inc., member FINRA & SIPC. Advisory services
through USAdvisors Wealth Management, LLC. NorthStar Investment Center, USAdvisors Wealth
Management, LLC, and Securities America, Inc are separate companies. Not NCUA Insured - No
Credit Union Guarantees - May Lose Value - Not A Deposit - Not Insured by any Government Agency
HOLIDAY CLOSURES
Monday, February 19, 2018
Presidents’ Day
UPCOMING EVENTS
President’s Message
February
• 10
th
- St. Irene Chili Cook Off
6:00pm. - 10:00pm
St. Irene Catholic School
28W441 Warrenville Rd.
Warrenville, IL
What’s Inside
American’s 20 Billion Dollar
Days of Love!
Think Out of The Box for
Valentine’s Day!
Have You Stuck to Your
Resolution?
Enhancements coming to
Feedback?
Contact the CEO, Lloyd M. Fredendall
Star
Rewards
NSCU
Stadium Blanket
14,000 points
Redeem your
points today!
William Metcalf does not provide tax, legal or accounting advice. Consult your own tax, legal, and
accounting advisor before engaging in any transaction.
Current Savings Rates
Share Savings APY*
$0.01 - $99.99..............................0.00%
$100.00 - $999.99........................0.05%
$1,000.00 - $2,499.99..................0.10%
$2,500.00 & higher.......................0.13%
Ultimate High Yield Checking APY*
$10,000........................................2.00%
Certicate of Deposit APY*
6 Months.......................................0.40%
1 Years.........................................1.01%
2 Years.........................................1.21%
3 Years.........................................1.51%
4 Years.........................................1.51%
5 Years.........................................2.06%
Money Market APY*
$0.01 - $999.99............................0.00%
$1,000.00 - $2499.99...................0.20%
$2500.00 - $9,999.99...................0.30%
$10,000.00 - $24,999.99..............0.35%
$25,000.00- $99,999.99...............0.45%
$100,000.00 & higher...................0.50%
*APY = Annual Percentage Yield.
Visit NSCU.org/cds for full details, terms and
conditions. Rates are subject to change
without notice. nscu.org/current-rates
Deposit Rates
NSCU.org • 630.393.7201
Current Auto Loan Rates
Model Year 2013 - 2018
Up to 36 Month..............as low as 2.99%
Up to 63 Month..............as low as 3.74%
Up to 75 Month..............as low as 4.24%
Model Year 2008 - 2012
Up to 36 Month.............as low as 3.49%
Up to 63 Month.............as low as 4.24%
Up to 75 Month.............as low as 4.74%
Visit NSCU.org for additional loan rates.
All loans are subject to credit approval.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Will you celebrate Valentine’s Day?
Which gifts are most in demand?
% planning to give one of the following as a gift
Candy
50.0%
Average amount spent on a
spouse/signicant other:
Total Americans spent per year
2012 2013 2014 2015 2016
$17.6bn $18.6bn $17.3bn $18.9bn $19.7bn
American’s 20 Billion
Dollar Days of Love!
45.2% NO
54.8%
YES
An evening out
19.9%
Greeting cards
36.4%
Jewelry
47.9%
Flowers
48.3%
Other
10.2%
Gift card/certicate
15.4%
Clothing
17.2%
Average Americans plan to spend on their pets $26.24
Men
$133.61
Women
$62.14
Source: Forbes Statista
NorthStar Credit Union is federally insured by the NCUA.
one of our nancial representatives and start planning your
Simple things you can do with NorthStar to help you save more:
Debit Card Roundup - With our optional Debit Card Roundup, every purchase you make is rounded up to the
nearest dollar. The “roundup” is then deposited into a savings account of your choice. Every time you swipe your
debit card you’ll be saving money!
Common Cents Checking - A free checking account that pays you for your everyday shopping trips. Earn $0.10
for each signature based purchase over $10.00!
Dream Saver CD - You have big dreams, and you’re looking for an easy, automated savings plan to help make
your dreams a reality. $50.00 to open the CD and a minimum of $20.00 per month for the term of the CD.
You Name it
Savings - Don’t want your money locked into a CD for a year? Open a “you name it savings”
account and start saving today! No restriction or terms, you will be able to access your money anytime you need.
Have You Stuck to Your Resolution!
We hope you haven’t given up on your nancial resolution. Whether you are looking to save for a wedding, pay off
holiday bills, nish your basement, buy a new car or just have extra savings we can help you plan. Sit down with
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Nt
Dollar
Save
up to $15
on TurboTax
Think Out of The Box for Valentine’s Day!
Tired of drug store chocolate and wilted roses? Its time to think outside of the heart shaped box and create a memorable
Valentine’s Day!
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Scavenger Hunt: Need to get out of the house?
Create a fun scavenger hunt full of riddles for your
sweetheart to answer to get the next clue!
Redbox M
ovie Night: Stay in and have a romantic
movie night!
Cooking Class: Book a cooking class for two!
Little Love Notes: Hide little love notes and candy
for your love one to find throughout the day!
Love Letter: Send your loved one a special valentine
love letter!
Give M
om a Break: Take the kids away for a few
hours, or have the house clean before she gets home!
Volunteer: Spend a few hours giving back at the local
charity!
Instagram Photo Book: Create an inexpensive
photo book with your favorite Instagram images with
cute love captions!
One Time Dance Class: Step out of your box and
treat your significant other to a one time dance class!
Plus $25,000 SWEEPSTAKES
Try TurboTax Online to be entered to win.
Total Americans spent per year
2012 2013 2014 2015 2016
$17.6bn $18.6bn $17.3bn $18.9bn $19.7bn
NSCU.org • 630.393.7201
Changes Coming to
Login Widget Update
With the login method we’re moving to, we’re creating a
modernized and seamless user experience, and doing
away with outdated widgets. Additionally, this renovation
creates added security against would-be identity thieves
by making it even more difficult to access member
accounts using software that targets member
usernames.
Password Change
Our online banking is undergoing an upgrade! This exciting change will expand the limit on the length for your
online banking password from 10 to 256 characters on March 11, 2018, which is great news for our online
banking security.
However, this change may require you to change your password if you are currently in the habit of typing more
than 10 characters for your password. Beginning March 11, those characters will now be counted and your
password will be incorrect (remember, passwords must be between 8-10 characters now, but some of you are
typing extra characters!)
A password longer than 10 characters that is entered on March 11, 2018 will not be able to access Online
Banking and must be changed on that date. Prior to the change, you may notice a message in It’s Me 247 letting
you know there’s an issue with your password length. If you see this message and must change your password
on March 11, use the “I forgot my password” link in It’s Me 247 Online Banking and follow the prompts to create
a new password. If you need assistance changing your password, contact the credit union.
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Coming Soon to the NSCU App
Multiple Authentication Convenience Options
Voice Recognition:
Use your voice to authenticate, the member records and submits a passphrase. This setup requires the
member to record a voice phrase 3 times, once enrolled the member will repeat the phrase to authenticate.
Face Recognition:
Use a face prole to authenticate. To setup face recognition, this requires an analysis of the member’s face.
To authenticate with face recognition the member will center their face within the circle and watch the bar at
the top for a high-quality image and perform a liveliness test, like blinking.
Fingerprint:
Use the ngerprint verication feature on your mobile device to authenticate. To setup ngerprint verication,
the member will need to verify the ngerprint that is currently setup on their device. Fingerprint verication
will only show for those mobile devices that have this capability. To authenticate with ngerprint, the member
will be asked to place their nger on the device’s sensor.
PIN:
Use a 4-digit PIN to authenticate. To establish PIN authentication the member will enter a chosen 4-digit PIN,
and then re-enter the PIN to conrm. To authenticate with PIN, the member veries the PIN they created.