NSCU.org • 630.393.7201
February 2017
Newsletter
President’s Message
The mild January weather has me thinking about springtime
already. We’ll be with the team at Rick’s RV at the Chicago
Camping & RV Show, which is February 16-19 at the Donald A.
Stephens Convention Center, Rosemont, IL. NorthStar members
love their RV’s so stop by and get a head start on springtime by
checking out the latest innovations in outdoor recreation.
As you would expect, the team at NorthStar is eager to make
an impact in 2017. To us, that means helping you achieve your
nancial goals, which in turn enables the credit union to achieve
ours. Because we constantly survey the market, we know that
our products and services offer tremendous value. However, it’s
the experience you have while dealing with anyone on our team
that makes an impression, one we trust will be very positive.
We love your feedback, however you feel about your member
experience. In fact, we are proud to share that word of mouth
continues to be our number one source of membership growth!
With that said, if we’ve helped you get closer to your nancial
goals, the greatest compliment you could give, is to tell your
friends and family about the credit union.
To Your Financial Success,
Jim Dean
President
Smart Simple Solutions
HOLIDAY CLOSURES
February 20, 2017
President’s Day
WHAT’S INSIDE
NEW! Chip Technology
Debit Cards
Top 5 Financial Resolutions
American’s Are Making
in 2017
In the Community
Plus!
Federally insured by the NCUA
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
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 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.
Rates
We are excited to share that NorthStar will begin issuing Visa® debit
cards featuring chip technology and a fresh new look beginning
this February! This is great news, because chip technology provides an
added layer of security to your card at no cost to you.
How is the chip card more secure? The chip stores data on your card
that is much harder to counterfeit. Every time you use your card, the data
on the chip changes making it difcult to copy. Chip card use is already
common around the world and is growing in the United States. If you’re
an international traveler, purchases will be easier in over 130 countries,
including Mexico, Canada and the United Kingdom because of the
widespread use of chip cards.
When will I receive my card? All new cards issued after February
1st will automatically be issued as Visa® debit cards featuring chip
technology. Existing card members will begin receiving communication
in the coming weeks regarding the reissue timeline for active cards as
well as a list of frequently asked questions. Members that currently have
inactive cards will recieve communication allowing for the opportunity to
request a new card.
Stay tuned for more information in the near future!
. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Turbo Tax Member Benefit
Exciting News
Log in to Mobile Banking by February 28, 2017 for a chance to WIN an
Apple Watch! Its easy, every time you log in to mobile web
banking you will be automatically entered for a chance to WIN!
Mobile Banking Contest
NorthStar Credit Union has teamed up with TurboTax
®
to save you up
to $15 on TurboTax
®
federal products, and a chance to win $25,000!
Just try TurboTax
®
Online for FREE (and provide your email address)
by February 16th to be automatically entered in the TurboTax
®
$25,000
Payday Sweepstakes. Start TurboTax now!
Visit http://turbotax.intuit.com/lp/yoy/guarantees.jspfor TurboTax
®
product guarantees and other important information.
1 TurboTax
®
$25,000 Payday Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents
of the fty (50) United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of
participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited
by law. Sweepstakes ends 2/16/17. Subject to complete Ocial Rules and all applicable federal, state and local laws. For
Ocial rules including odds of winning, alternate method of entry, and prize descriptions, visit the Ocial Rules. PRIZES:
1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each.
Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries
received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA,
92129.
State ling charges apply. Limited time oer 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.
. . . . . . . . . . . . . . . . . . . . . . . . . . . .
NSCU.org • 630.393.7201
Whether they’re committing to paying down debt or saving more money, most Americans are hoping to make
positive changes in their nances in 2017.
More than two-thirds of American adults say that they’re making a nancial resolution this year, according to a recent
survey by the National Endowment for Financial Education. They may have good reason to do so: About a third of
those surveyed said that their nancial life was worse than they expected it to be.
Here are the top ve nancial resolutions for 2017 reported in the survey of 2,088 U.S. adults, of whom 1,415 (68
percent) said they were making specic plans:
Setting and following a budget (27 percent)
Making a plan to get out of debt (27 percent)
Boosting retirement savings (24 percent)
Establishing savings (22 percent)
Pulling a credit report/learning how to improve my credit score (12 percent)
Many of Americans’ nancial problems reect a lack of savings to handle unexpected expenses. Nearly a quarter
of Americans said that transportation issues were their biggest nancial problem last year, while one in ve cited
housing repairs and maintenance.
“We have to stop looking at unexpected events as not if they will happen, but when they will happen,” NEFE
spokesman Paul Golden said in a statement. “Everyone should have an emergency savings, and it should be used
for its intended purpose.”
Experts advise having three to six months’ worth of expenses set aside for emergencies.
That may be hard for many people. The NEFE survey found that nearly half of Americans are living paycheck
to paycheck. Among them, 24 percent blame credit card debt for their lack of a savings fund, 22 percent cite
employment struggles; and 18 percent say they don’t have savings because of their mortgage or rent payments.
Source: The Fiscal Times, Beth Braverman
The Top 5 Financial Resolutions
Americans Are Making for 2017
In the Community
Although the winter has been fairly mild to start out 2017, it has still had it’s share of
gloomy days. So the team at NorthStar spread some sunshine with a day of Random Acts
of Kindness throughout the communities we serve! Our favorite, was lling up the “store” at
the Boys and Girls Club in Bridgeport with all kinds of goodies. The “store” is a program
BGC uses to incent participating children and teach them how to budget wisely!
...We also had the honor of participating in the 28th Annual St. Irene Chili Cook-Off.
...We look forward to this event every year, and 2017 was no exception! NorthStar’s
...booth theme this year was NorthStars Most Wanted Chili featuring country-western
...decor, and our VP of Lending, Lisa, cooked up her award winning recipe for the masses.
Upcoming Events
February
• 8th - GreenPath #WebinarWednesday,
Psychology of Spending
10th - Warrenville Daddy Daughter Dance
6:00pm • Courtyard Banquets
3S200 IL- Route 59, Warrenville, IL
• 14th - HAPPY VALENTINE’S DAY!
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Membership Pays!
Love NorthStar? The greatest
compliment you can give us is the
referral of your friends and family!
Did you know, our Referral Rewards
program awards you a gift card each
time one of your friends or family
members join
*
the credit union? We’ll
even give them one
*
! It’s our small way
of saying “thank you” for spreading the
credit union spirit!
*To qualify for rewards, new member must establish a checking
account with direct deposit or a loan of $5,000 or more.
Yr chce of a $25 e-gift cd to Amaz
®
,
Stbucks
®
, Shufly
®
,  ChityChce
®
!
Smart Simple Solutions
15th - Financial Planning Workshop
11:30am • BP Campus (Restricted Access)
6:00pm • Plaineld Township Community Center
15014 S Des Plaines St., Plaineld, IL
• 17th - Plaineld Daddy Daughter Dance
6:30pm Heritage Grove Middle School
12425 Van Dyke Road, Plaineld, IL
• 22nd - GreenPath #WebinarWednesday,
Steps to Financial Wellness
NSCU.org • 630.393.7201