NorthStar Credit Union Q4 Newsletter

Autumn Quarterly Newsletter October 2016 - December 2016 President’s Message Last month, the CEO of Wells Fargo Bank, the largest U.S. bank, faced Congress because of fraudulent accounts being opened throughout the country to meet astronomical sales goals. Much was made of the $185 million fine the bank was assessed. The public outcry over this revelation caused me to take a look back at fines assessed on US banks since the financial collapse in 2008. As of 2014, the total was a staggering $128 BILLION, and the fines for various actions continue to this day. At NorthStar Credit Union, our members come first in everything we do. It is the cornerstone upon which the credit union was built. We want to earn your business, not manipulate you into making this credit union your choice as a financial service provider. If you are reading this message, you’re probably a member. If you’re doing most of your business with a big bank, I have to ask why? We have the branches, the surcharge free ATM networks, competitive prices and a broad array of services that enable this credit union to compete with those too big to fail banks. Most important, we have integrity and want to earn more of your business. Make this the year you dump your big bank and move all of your business to NorthStar. Jim Dean President NSCU.org • 630.393.7201
Autumn Quarterly Newsletter October 2016 - December 2016  President   s Message Last month, the CEO of Wells Fargo Bank, t...
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 36 Month.............as low as 3.19% 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% Certificate of Deposit 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 $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. Join us! October • 5th – Fire Prevention Week Open House 6:00pm - 9:00pm Warrenville Fire House, Warrenville, IL • 6th - Retirement Seminar 6:00pm - 7:00pm Warrenville Park District, Warrenville, IL • 21st – Fall Family Fun Fest 6:00pm - 9:00pm Warrenville Park District, Warrenville, IL • 22nd – Halloween Spooktacular 1:00pm - 4:00pm CW Avery YMCA, Plainfield, IL • 27th - NorthStar Credit Union Ribbon Cutting 4:30pm NSCU Plainfield Branch • 28th – Frankenstein’s Kiddie Carnival 6:30pm - 8:00pm Indian Trail Middle School, Plainfield, IL November • 10th – NSCU Business After Hours 5:00pm - 7:00pm NorthStar Credit Union, Warrenville, IL • 26th - Tree Lighting Ceremony 5:30pm Village Green Park, Plainfield, IL December • 2nd - Holly Days 6:00pm Warrenville Park District, Warrenville, IL • 13th - Santa’s Workshop 6:30pm - 8:00pm Plainfield Township Community Center ............................ Halloween Contest Strike a pose, take a pic and share it with us! Post your picture on our facebook page. The more votes you get, the better your chance is to win an awesome prize! Contest runs from Oct. 28th - Oct. 31st. The fun doesn’t stop there! The NorthStar staff will be dressing up too, make sure you vote for one of them! ............................ Did you know... You can call a local number on your cell phone, even when out of state, and there is typically no charge incurred because of national cell phone plan benefits? However, if you call an 800 number, the organization you call incurs a fee. As a cooperative, when we are charged fees it can impact overall member benefits. Kindly dial local on your cell phone as your plan permits!
Rates Current Auto Loan Rates Model Year 2013 - 2017 Up to 36 Month..............as low as 2.79  Up to 63 Month..............
22 Tips for keeping kids safe this Halloween 1 Trick-or-Treat in groups and/or with a trusted adult 2 Plan and review the route for older children Trick-or-Treating alone 3 4 Discuss a Curfew 7 9 10 8 12 11 13 15 14 17 18 16 20 19 21 22 5 Put reflective tape on costumes and bags 6 Use flashlights and glow sticks WALK, DON’T RUN Walk on the far edge of the road facing oncoming traffic Walk only on sidewalks Never cross bet ween parked cars Visit only well-lit houses Costumes accessories should be short, soft, and flexible Look both ways before crossing the street BE ALERT Never enter someone else’s home or car Don’t accept rides from strangers Wear well-fitting costumes, masks, and shoes Choose face paint and makeup instead of masks. If possible Carry cellphones and/or walkie talkies Also wear flame resistant costumes Always test makeup and face paint in a small area first Examine all treats before eating Never eat treats made by strangers or unwrapped candy
22 Tips for keeping kids safe this Halloween  1  Trick-or-Treat in groups and or with a trusted adult  2  Plan and review ...
It ’s a Wonderful L ife When You Feel Prepared for the Holiday Season! Zero-L iability Debit Card Purchasing power with peace of mind. L ifestyle L ine of Credit A little extra dough for the season’s unexpected expenses or that perfect gift. Privacy Armor Identity theft protection so you can shop with confidence. *Some exclusions and restrictions may apply. Visit MasterCard.com or Visa.com for full terms and conditions. Apply online at NSCU.org or contact one of our team members at 630.393.7201 today! Main Office 3S555 Winfield Road Warrenville, IL 60555 Lobby Hours Mon. - Thur. 8:30 a.m. - 5:00 p.m. Fri. 8:30 a.m. - 5:30 p.m. Sat. 8:30 a.m. - 12:30 p.m. Drive-up Hours Mon. - Thur. 8:00 a.m. - 5:30 p.m. Fri. 8:00 a.m. - 6:00 p.m. Sat. 8:30 a.m. - 1:00 p.m. For a complete listing of branch hours and locations, visit us online at NSCU.org Federally Insured by the NCUA.
It    s a Wonderful L ife  When You Feel Prepared for the Holiday Season  Zero-L iability Debit Card Purchasing power with...