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August 2017
Newsletter
It has been one year since our merger with the former Oak
Trust Credit Union. We’ve been busy working on a variety of
projects that involve technological innovations to improve
your member experience. Examples include a new mobile
app with integrated mobile deposit and It's Me 24/7 online
banking; a one-stop online loan payment option; and
enhanced electronic document signing. You may also notice
new faces in our branches. As we’ve grown, we recognized
the need to increase staffing to deliver the 5-Star Service
members expect and deserve.
Speaking of service, we recently partnered with TrueCar to
provide a great way to price shop for a new car purchase.
We hope to make what frequently is an uncomfortable
experience, something better by working with NorthStar and
TrueCar when it’s time to make a purchase.
The response to our new mortgage program introduced in
February has also been tremendous. It’s clear that members
like the idea of having their mortgage serviced at NorthStar.
For new home purchases, first-time home buyers,
refinancing or other needs, we are here to help you with
your home loan needs.
To Your Financial Success,
Jim Dean
President
Smart Simple Solutions
HOLIDAY CLOSURES
Monday, September 4, 2017 - Labor Day
Monday, October 9, 2017 - Columbus Day
August
• 1
st
- National Night Out - Plaineld
5:00pm • Village Green, Plaineld, IL
• 1
st
- National Night Out - Warrenville
5:00pm • Cerny Park, Warrenville, IL
• 4
th
- Summer Daze
5:00pm • City Hall, Warrenville, IL
• 5
th
- Summer Daze
11:00am • City Hall, Warrenville, IL
• 19
th
- NSCU Community Picnic
9:00am - 1:00pm • Main Branch
3S555 Wineld Road, Warrenville, IL
• 27
th
- Taste of Fox Valley Fill the Bowls
for Marie Wilkinson Food Pantry
11:00am - 2:30pm
Gaslite Manor Banquets, Aurora, IL
UPCOMING EVENTS
President’s Message
September
• 9
th
- Foodie 5k, Northern IL Food Bank
9:00am • Lewis University, Romeoville, IL
• 14
th
- Race Fan Rally
4:00pm • Downtown Joliet, IL
• 16
th
- 17
th
- Art on the Prairie
11:00am • City Hall, Warrenville, IL
• 24
th
- Harvest 5k
9:00am • Village Green, Plaineld, IL
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%
Certicate of Deposit Specials APY*
15 Months....................................1.01%
27 Months....................................1.61%
33 Months....................................2.00%
Certicate of Deposit APY*
6 Months.......................................0.40%
1 Years.........................................0.70%
2 Years..........................................1.11%
3 Years.........................................1.21%
4 Years.........................................1.31%
5 Years.........................................1.75%
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.
Deposit Rates
Freeze Your Summer
Loan Payment...
NorthStar is offering you to
Skip-A-Pay your July or August loan
payment on NSCU qualied loans*
Terms of Offer: Mortgage, Home Equity and Credit Card loans are not eligible.
Loans that are currently delinquent are not eligible. The rst payment of a new loan is not
eligible for this program. This offer is only valid for loan payment due in July or August
2017. Interest will continue to accrue during the waived payment period and may extend
the term of the loan. A $20 administrative fee per loan applies.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
NSCU.org/summerpaycation
NSCU.org • 630.393.7201
Simplify Your Life with
Looking for an easy way to simplify your life? It’sMe247 Bill Pay can help
you do just that. With bill pay you can receive and pay your bills online
with the click of a mouse from your credit union checking account via
online banking.
Some of the benets to using It’sMe247 Bill Pay:
• Pay your bills any place anytime with your mobile device
Authorize money to be sent to anyone from babysitters
to birthdays
• Set up recurring payments, like mortgage and car
payments or insurance premiums
• Schedule payments at your convenience, processing will
not begin until the date you assign
• Pay bills quickly, schedule a same or next day payment
(for selected billers)
• View a register of payment history
• Monitor the status of your payments any time and stop
wondering if your payment was received
• Download transaction data into personal nancial
software such as Quicken or Microsoft Money
Freeze Your Summer
Loan Payment...
NorthStar is offering you to
Skip-A-Pay your July or August loan
payment on NSCU qualied loans*
Tips to Save on Back-to-School Shopping
• Do a Closet and Supply Sweep
Believe it or not, you might already have plenty of school supplies lying around your house. Closets, desk drawers,
and basement bins might hold hidden treasures that can save you money. Start by rounding up all of the office and
school supplies you already own. In addition, go through your kids’ closets and start sorting. Clothing that the kids
have outgrown, and worn clothing, should be donated or tossed. Once you complete this “supply sweep,” you’ll
have a clearer picture of what you actually need to buy. Ideally, the sweep will prevent you from buying something
you already have on-hand.
• Focus on Big-Ticket Items
There are so many ways to save these days: coupons, incentive programs, rebates, weekly specials, online-only
deals. To cut through the clutter, Chrissy Pate, co-author of Be CentsAble: How to Cut Your Household Budget in
Half, recommends focusing on finding the best prices for the most expensive items on your list. “Don’t worry so
much about what the prices of the crayons or the pencils are because you’re going to find pretty good deals
everywhere on those,” she says. “You’ll save the most money on those big items, as well as time and gas money.”
• Follow Your Favorite Stores
Back-to-school clothing sales start appearing in mid-July through the end of August, and the options can be
dizzying. “They’re putting lots of coupons out there,” says Pate. She suggests keeping track of your favorite
retailers’ deals by following them on social media sites like Facebook and Twitter. “Then use those coupons in
conjunction with sales to really get the biggest bang for your buck.”
• Hit Up the Dollar Store
You can get some incredible bargains on school supplies at the dollar store. Really! Start shopping in the summer
months. You never know what stores will order, or how long items will stay in stock. You can buy basic supplies, like
notebooks and pencils, for a great price at the dollar store.
• Get Your Kids Involved
Back-to-school season is a great time to teach budgeting basics to your children. Give your children a clothing
budget and a list of necessities, and let them help make decisions on the rest of the wardrobe. This also works with
extra-curricular activities. “Does it cost $50 to join the Spanish club? Varsity volleyball uniforms and fees are $150?
If so, then they need to know that their activity of choice is not only a time commitment, but a financial commitment
as well.
• Save on College Supplies
If you have a child heading to college, then you will experience some serious sticker shock. From picking up
supplies for their dorm room, to investing in college textbooks, sending a kid to college isn’t for the faint of heart.
There are many ways to save money on back to school shopping for your college student.
Buy used textbooks on sites like Amazon, eBay, Chegg.com, bookrenter.com, and Half.com. You can also compare
prices on new books on CheapestTextbooks.com, or buy books on bargain sites like Textbookx.com. Additionally,
you can save 50% or more on textbooks if you buy a digital copy and download it to your Kindle, or other e-reader.
View textbooks available for digital download at CourseSmart.com or Cafescribe.com. And at the end of the se-
mester, nd websites where you can sell used textbooks for cash.
Shop for dorm room essentials like rugs, sheets, and light cooking equipment at garage sales and thrift stores. You
can save a lot of money by buying used items.
You can also ask friends and family members if they have any items
they do not use; your social and family networks will be glad to help! You can get gently used items for free, while
givers declutter their homes. Everyone wins!
Source: Real Simple, Money Crashers
NSCU.org • 630.393.7201
In the Community
July started off with a bang at the Friends of the 4th parade in Warrenville! We took a little run over to the
Warrenville Park District for the Fire Cracker 5k and drove off to Joliet for Nitro Night. We also floated over to
Centennial Beach in Naperville for Float Your Boat For a Cause and finished up in Joliet for the Sundowner 5k.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Clear out non-perishable foods you no longer need from your cabinets and drop them off as a
donation for local food pantries in need. Or, stop by and make a cash donation to benet the
Northern Illinois Food Bank.
SATURDAY, AUGUST 19th 9AM - 1PM
3S555 WINFIELD RD. WARRENVILLE, IL
*Limit 2 boxes of documents; tube televisions/computer
monitors cannot be accepted.
• COMPLIMENTARY LUNCH FROM NSCU!
• DOCUMENT SHREDDING*
• ELECTRONIC RECYCLING*
• ADVENTURE SLIDE
• MUSIC BY
COMMUNITY PICNIC