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December 2017
Newsletter
Thank you for your patronage and understanding,
Lloyd M. Fredendall
Chief Executive Ofcer
Smart Simple Solutions
HOLIDAY CLOSURES
Monday, December 25, 2017
Christmas Day
Monday, January 1, 2018
New Year’s Day
UPCOMING EVENTS
A Message from the CEO
It has been a very busy year as we have been working on numerous
initiatives to improve efciencies and deliver ongoing value to you, our
members. With that said, we realize that the vast majority of our attention
has been focused on these initiatives and as a result, some of our service
levels may have fallen short of our expectations.
Our rst and utmost core value is and always has been total member
satisfaction. It is the cornerstone upon which our credit union was built. We
recognize that it’s imperative that we get back to that basic, but extremely
important foundation. With the growth we have experienced, we have
added quite a few new employees to the NorthStar family to serve you.
However, we have also experienced greater turnover than we have ever
been accustomed to historically. The current job market also seems to be
making it increasingly difficult to acquire and retain quality employees.
As a result, in the New Year we plan to allocate much of our time and
resources to the enhancement of our onboarding and employee training
programs. In order to accomplish this in the most efcient manner possible,
we have made the difcult decision to delay opening our branch ofces until
10:00 AM on Wednesday mornings beginning January 3, 2018. This time
will be dedicated 100% to employee education and development.
While alternative banking options such as remote deposit (Click Deposit),
online banking/bill payment, telephone banking and our ATM networks will
remain accessible 24/7, we realize this may cause some inconvenience
and we wish to apologize in advance. We are committed to doing whatever
it takes to ensure our team is the best of the best when it comes to serving
you.
We know much of what we are experiencing is growing pains. Overall, it has
been a great year at NorthStar thanks to loyal members like you. However,
we know that we can do better! With an increased focus on member
service and employee development, 2018 looks to be an amazing year!
December
• 1
st
- Holly Days
6:00pm. - 8:00pm
Warrenville Park District
3 S 260 Warren Ave.
Warrenville, IL
• 2
nd
- Breakfast with Santa
8:30am - 10:30am
Courtyard Banquets
3 S 200 Rt. 59 • Warrenville, IL
Warrenville Park District Event
What’s Inside
New NSCU Mobile App
Refer-a-Friend
Double Bonus
5th Annual Ugly
Sweater Contest
Holiday Skip-a-Pay
N Available!
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.........................................0.80%
2 Years.........................................1.21%
3 Years.........................................1.31%
4 Years.........................................1.41%
5 Years.........................................1.86%
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 - 2017
Up to 36 Month..............as low as 2.99%
Up to 63 Month..............as low as 3.49%
Up to 75 Month..............as low as 3.99%
Model Year 2008 - 2012
Up to 36 Month.............as low as 3.49%
Up to 63 Month.............as low as 3.99%
Up to 75 Month.............as low as 4.49%
Visit NSCU.org for additional loan rates.
All loans are subject to credit approval.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Double-Bonus.
Give $25 $50. Get $25 $50.
HURRY! Ends 12/31/2017
Refer your friends or
family to NorthStar
Credit Union
They join, you
both earn*!
Receive a gift card*
*In order for both parties to qualify for referral rewards, the referred member must establish a new checking account with direct
deposit/payroll deduction OR establish a new loan of $5,000 or more within 90 days of account opening. A referral is dened as
a new member to NorthStar Credit Union. Previous members with closed accounts, and existing members establishing
additional accounts do not qualify as referrals. Account closing fees will apply. Program subject to change or cancellation without
notice. NorthStar Credit Union is in no way afliated with Amazon®, Starbucks®, Charity Choice® or Shuttery®.
Download the new NSCU app!
The new NorthStar app combines useful tools, mobile banking and Click
Deposit all in one powerful app! Download it today to experience the
convenience of NorthStar banking anytime, anywhere!
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
December: Review Your Financial Fitness
Just as an athlete reviews his or her athletic progress and goals, it’s
time for you to review your expected income next year and previous
spending. Did you get a raise this year or are you expecting to make
less next year? Review your expected income for the upcoming year
as well as your necessary expenses and create a new budget based
on your new income and expenses. The budget that worked for you
the beginning of the year may not help you reach your nancial tness
goals in the upcoming year. Need help? Contact a member of our
team today at 630-393-7201 to discuss your NextDollar and plan for
your nancial goals!
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
value of the most expensively decorated
Christmas tree, displayed in the Emirates
Palace (UAE) in 2010
2007
30,000 energy
efcient LEDs
make the tradition
more eco-friendly
1931
20 foot r
erected by
construction
workers on
Christmas
Eve
1933
50 foot tree
unveiled at
rst ofcial
lighting
ceremony
1999
100 foot, 100
year old, 10 ton
Norway spruce is
biggest yet
The U.S. postal service
sells over
record number of lights on
a Christmas tree, achieved
in Belgium in 2010
95%
Say they
celebrate
the holiday
93%
Exchange
gifts
74%
Go to
parties
88%
Put up
trees
Number of future Christmas
trees growing on the U.S. farms.
The most common Christmas tree species
include the balsam r, Douglas r,
Fraser r, noble r, Scotch pine, Virginia
pine, white pine, Norway spruce
and blue spruce.
350,000,000
Americans send
194,672
$11,026,900
65%
Attend
religious
services
American military installations
overseas receive
1.3 Billion
winter holiday stamps a year
pounds of holiday mail each year
30 million
1.5 Billion
Christmas Cards
Annually
The U.S. Produces
1.76 Billion
Candy Canes each year.
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Sources: http://www.history.com/topics/christmas/
history-of-christmas/infographics/christmas-by-the-numbers
NSCU.org • 630.393.7201
Slide
Past Your Loan Payment...
with Skip-A-Pay!
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Ugly Sweater
Contest
Join us for our 5th Annual Ugly Sweater
Contest. Submit a photo of your awesome Ugly
Sweater from December 11
th
- 18
th
. You will have
until 3:00pm on December 22
nd
to collect the
most votes!
Our fun disclosure that most people won’t read: Open to all ages. No purchase necessary to enter. NorthStar Credit
Union employees, Board of Directors, and their family members of the same household are not eligible to enter or
win. Winner does not need to be present at the time of the drawing. There will be 1 winner receiving the awesome
prize. Winners acceptance of the prize constitutes parent/guardian authorization to use the winners name,
photograph on the NSCU Facebook page, website, and newsletter without compensation. Prize is non-transferable.
1. Go to facebook.com/nscu.org/
2. Submit a picture of you rocking your ugly sweater
throught the contest link on our Facebook page or by
simply posting with the hashtage #myholidaynscu on
Twitter or Instagram.
3. Share your entry with family and friends
4. Most likes WIN an awesome prize
5. Vote daily!
Visit NSCU.org/holidayskip for more info!