simplebooklet thumbnail

March 2017 Newsletter Smart Simple Solutions President s Message HOLIDAY CLOSURES As we make the transition from standard debit cards over to Visa debit cards with chip technology this month I can t help but be reminded of the primary reason chip technology was created fraud prevention No holiday closures this month Which leads me to ask what steps do you take to prevent fraud in your day to day life In a recent member survey top responders keep their information safe in the following ways WHAT S INSIDE 90 review bank and credit card statements monthly 89 shred sensitive papers 87 keep sensitive documents in a secure place 83 collect mail from their mailbox promptly 77 install firewalls and virus detection software on their computer 71 use complex passwords for online accounts 53 review their credit with all three credit bureaus annually These are easy steps to implement and we highly recommend them all In fact at NorthStar we take your security very seriously Aside from topnotch home banking encryption and chip enabled debit cards we also provide comprehensive identity theft protection called PrivacyArmor We believe in the importance of being proactive in the fight against fraud So much so that we absorb the cost of individual PrivacyArmor coverage for our Premier members and subsidize a portion of the cost for all members If you aren t familiar with the program I encourage you to reach out for more info today Remember we ve got your back To Your Safety Jim Dean President NSCU org 630 393 7201 IRS Warns of Refund Delays Debit Card Reminder 5 Reasons American s are Living Paycheck to Paycheck In the Community Plus
March 2017 Newsletter Smart Simple Solutions  President   s Message  HOLIDAY CLOSURES  As we make the transition from stan...
Rates Current Auto Loan Rates Model Year 2013 2017 Up to 36 Month as low as 2 79 Up to 63 Month as low as 2 99 Up to 75 Month as low as 3 49 Model Year 2008 2012 Up to 63 Month as low as 3 19 Up to 75 Month as low as 3 99 Visit NSCU org for additional loan rates All loans are subject to credit approval Current Savings Rates APY Share Savings 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 Certificate of Deposit APY 6 Months 0 40 1 Years 0 50 2 Years 0 85 3 Years 1 11 4 Years 1 21 5 Years 1 75 Money Market APY 0 01 999 99 0 00 1 000 00 2499 99 0 15 2500 00 9 999 99 0 25 10 000 00 24 999 99 0 30 25 000 00 99 999 99 0 40 100 000 00 higher 0 45 Visit NSCU org for additional savings options APY Annual Percentage Yield Rates are subject to change without notice Visit NSCU org for additional terms and savings options IRS Warns of 2017 Tax Refund Delays It s better to owe taxes in April than to get a refund and for the 2017 tax filing season it s especially important The Internal Revenue Service issued a warning of 2017 tax refund delays for certain tax payers urging folks to adjust their withholdings now We re talking about your 2016 taxes that are due April 15 2017 There s a good reason to pay attention at least there s something you can do about it We don t want people to be caught by surprise if they get their refund a few weeks later than previous years said IRS Commissioner John Koskinen in the release A couple of things are to blame First a new tax law requires the IRS to hold refunds for a few weeks for some early filers who claim the Earned Income Tax Credit and the Additional Child Tax Credit Second the rise in identity theft is causing the IRS and state tax authorities to spend additional review time to protect against fraud Additional safeguards are in place for the 2017 filing season We want people to be aware we are taking additional steps to protect taxpayers from identity theft and that sometimes means the real taxpayers face a slight delay in their refunds Koskinen said Source Forbes Ashlea Ebeling Member Benefit Save up to 15 on TurboTax the smarter way to get your taxes done right File your taxes the smarter way and save TurboTax translates taxes into simple questions about your life so you don t need tax knowledge or an appointment to get your taxes done right Get your maximum refund TurboTax searches over 350 deductions and credits to make sure you get your biggest possible refund guaranteed Be sure nothing gets missed TurboTax CompleteCheck reviews every detail in your return walks you through any final changes and gives you the green light to file You re never alone Connect with an expert live on screen to get answers when you need them with TurboTax SmartLook NorthStar Credit Union members can get up to 15 off TurboTax federal products Get started today and save State filing charges apply Limited time offer for TurboTax 2016 Terms conditions features availability pricing fees service and support options subject to change without notice Intuit TurboTax and TurboTax Online among others are registered trademarks and or service marks of Intuit Inc in the United States and other countries Other parties trademarks or service marks are the property of their respective owners Visit http turbotax intuit com lp yoy guarantees jsp for TurboTax product guarantees and other important information Debit Card Reminder As a reminder active debit card holders will be receiving new Visa debit cards featuring chip technology by March 14 2017 Please be sure to activate your new card and begin using it right away All non chip cards will be deactivated on March 31 2017 NSCU org 630 393 7201
Rates Current Auto Loan Rates Model Year 2013 - 2017 Up to 36 Month..............as low as 2.79  Up to 63 Month..............
5 Reasons So Many Americans are Living Paycheck to Paycheck At the beginning of the New Year many of us are looking for ways to improve our personal finances For nearly half of Americans that means finding a way to stop living from paycheck to paycheck Ending that cycle often requires figuring out why you re living without a financial safety net in the first place A recent survey by the National Endowment for Financial Education asked over 2 000 Americans why they think people are living paycheck to paycheck These were the most popular responses Credit card debt 24 percent Employment struggles 22 percent Mortgage or rent 18 percent Healthcare costs 10 percent Taxes 4 percent The survey also asked about the major expenses and financial setbacks respondents actually experienced in the last year which provides another view of the real difficulties people face The most popular responses were Transportation issues i e car repair 23 percent Housing repairs and maintenance 20 percent Medical care for injury or illness 18 percent Falling behind on bills 16 percent Job loss 11 percent A third of Americans surveyed last year by a major bank said that living paycheck to paycheck was keeping them from reaching their financial goals People across all income levels struggle with debt employment issues and high housing costs says NEFE spokesman Paul Golden Source The Fiscal Times Beth Braverman If you re tired of living paycheck to paycheck and would like some help getting your financial goals on track reach out to one of our Financial Service Representatives today at 630 393 7201 option 3 We pride ourselves on helping our members rethink their NextDollar to achieve financial success Comprehensive Identity Theft Protection Visit NSCU org to Enroll Today Premier members of our Star Rewards program are eligible receive individual coverage for no cost each month In the event that a membership falls out of Premier status in any given month standard pricing of 7 95 per month will apply Premier members of our Star Rewards program are eligible to receive family coverage at a reduced price of 3 50 per month In the event that a membership falls out of Premier status in any given month standard pricing of 10 95 per month will apply
5 Reasons So Many Americans are Living Paycheck to Paycheck At the beginning of the New Year, many of us are looking for w...
In the Community NorthStar once again had the opportunity to participate in St Irene Catholic School s JA in a Day in February Volunteers from NorthStar s staff and board of directors teamed up to teach Pre K through 8th grade students about economics through curriculum provided by Junior Achievement of Chicago It s always such a great experience working with the children NorthStar also had the opportunity to sponsor the Warrenville Park District s and the Plainfield Park District s Daddy Daughter Dances in February It was a great opportunity to celebrate the amazing bond between local father s and their princesses We provided color changing hurricane glasses to the girls as a memento to remember their special night out Upcoming Events March April 16th Management Association HR Conf 8 15am Double Tree 1909 Spring Road Oak Brook IL 17th HAPPY ST PATRICK S DAY 18th Plainfield Chamber Business Expo 9 00am Plainfield Central High School 21st Plain ield Junior Women s Club Spring Fling Casino Night 6 30pm Bolingbrook Golf Club 2001 Rodeo Dr Bolingbrook IL 29th NSCU Spring Shred Event 9 00am Main Office Warrenville IL 12th Plainfield Irish Parade 16th HAPPY EASTER Annual Smart Simple Solutions Document Shredding Electronics Recycling Event SATURDAY APRIL 29TH 9AM 12PM MAIN OFFICE WARRENVILLE IL Don t let your information get into the wrong hands It can lead to loss of privacy loss of identity or worse Protect yourself Destroy documents and files that contain sensitive information at our secure environment friendly Shred Event Clear out the clutter Dust off your old electronics and bring them by for recycling Help those in need Clear out non perishable foods you don t 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 benefit the Northern Illinois Food Bank Limit 2 boxes of documents tube televisions and computer monitors cannot be accepted NSCU org 630 393 7201
In the Community NorthStar once again had the opportunity to participate in St. Irene Catholic School   s    JA in a Day  ...