November 2016 Newsletter

NSCU.org • 630.393.7201
President’s Message
NorthStar Credit Union in partnership with Securities America, Inc. is committed to helping our members
with their nancial goals. This strategic partnership offers our members access to a full range of
investment and insurance services. With today’s economic challenges and diverse investment choices,
you need a team who can simplify the investment process and help you work toward realizing your
dreams.
Whether you are starting an investment plan or just want to review your portfolio, Bill Metcalf, Financial
Advisor for USAdvisors Wealth Management, LLC through NorthStar Investment Center, can assist
you in determining your short and long term investment needs. Bill is the exclusive Financial Advisor to
the members of NorthStar Credit Union. To begin working toward your nancial goals, contact Bill at
630.821.7265, william.metcalf@securitiesamerica.com, or visit your local branch ofce today to arrange
an appointment.
We help you achieve nancial success.
Jim Dean
President
November 2016 Newsletter
Autumn
William Metcalf is registered to offer securities in the states of IL, AR, IN, MN, NY, and WI. Securities offered through Securities America,
Inc., member FINRA & SIPC. Advisory services offered through USAdvisors Wealth Management, LLC. NorthStar Investment Center,
USAdvisors Wealth Management ,LLC, and Securities America, Inc. are separate companies.
Not NCUA Insured - No Credit Union Guarantees - May Lose Value
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%
Certicate 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!
Rates
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November
• 10th – NSCU Business After Hours
5:00pm - 7:00pm NorthStar Credit Union, Warrenville, IL
• 13th - Plaineld Junior Women’s Club Chili Cook Off
11:30am - 4:00pm Skooters Roadhouse, Shorewood, IL
• 26th - Tree Lighting Ceremony
5:30pm Village Green Park, Plaineld, IL
December
• 2nd - Holly Days
6:00pm - 8:00pm Warrenville Park District, Warrenville, IL
• 13th - Santa’s Workshop
6:30pm - 8:00pm Plaineld Township Community Center, Plaineld, IL
Do you have an awesome ugly
christmas sweater? Share it
with us on our Facebook page.
The more votes you get, the
better your chance is to win an
awesome prize! Contest runs
through the month of
December.
The NorthStar staff will be
sporting some fun sweaters
too, make sure you vote for
one of them!
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Every year, thousands of people lose money to telephone scams from
a few dollars to their life savings. Scammers will say anything to cheat
people out of money. Some seem very friendly, calling you by your rst
name, making small talk, and asking about your family. They may claim
to work for a company you trust, or they may send mail or place ads to
convince you to call them.
If you get a call from someone you don’t know who is trying to sell you
something you hadn’t planned to buy, say “No thanks.” And, if they
pressure you about giving up personal information like your credit card
or Social Security number it’s likely a scam. Hang up and report it to the
Federal Trade Commission.
Please be aware NorthStar Credit Union will never call and ask for
your member number or personal information.
Read more at https://www.consumer.ftc.gov/articles/0076-phone-scams
Ugly Sweater Contest
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Holiday Skip-A-Pay
Skip your December ‘16 or your January ‘17 loan payment on qualifying
loans! Our Holiday Skip-A-Pay Program allows you to defer your loan
payment to help ease the money crunch during the holiday season. For more
information speak with one of our Financial Service Representatives today!
Fraud Prevention
10 Tips for Cooking the Perfect Thanksgiving Turkey
1. Choose the right type of turkey for you.
Heritage? Organic? Fresh? Frozen? There are lots of choices out there. A heritage turkey is right for you if you want to try an old-fashioned
breed of turkey, often leggier and leaner and more avorful, and don't mind paying a little extra for it. If organics are important, you may
already have your eye on a turkey raised according to organic standards, and fed organic feed. If you'd prefer a traditional fresh or frozen
bird, pick the healthiest-looking one in the weight range you need, and make sure it looks well fed for its size. And, remember, fresh may
not necessarily be better than frozen; frozen turkeys are snap-frozen just after butchering.
2. Figure on 1 to 1 1/2 pounds of turkey per person.
To buy the right size turkey for your party, simply tally up the turkey-eating guests. Add a few pounds on for bones and you've got your
turkey weight. For example, 8 people will require a 12 to 14-pound turkey.
3. Cook the turkey on a rack of vegetables.
Create a natural roasting rack for your turkey by layering carrots, onions and celery on the bottom of the roasting pan. Lifting the turkey
off the base of the pan helps to increase hot air circulation around the whole bird so that it will get crispy all over. And the vegetables add
great avor to the gravy.
4. Brining keeps it moist.
Brining is an easy, sure-re way to a moist and avorful turkey. A typical brining solution contains water, salt, sugar and a
variety of spices and aromatics. Just be sure to follow a trusted recipe so you get the right proportion of each.
5. Keep the stufng on the side.
Chances are the Thanksgivings of your childhood featured a stufng cooked right in the cavity of the turkey. Go ahead and use your family
recipe, but we suggest you cook the stufng in a separate pan. Cooking the stufng in the turkey can provide fertile ground for the growth
of harmful bacteria. In addition, a stuffed turkey will take longer to cook, which could result in drier white meat. Instead, loosely ll the
turkey with aromatics such as onions and herbs, and cook the stufng separately.
6. To tie or not to tie.
To help ensure that poultry cooks evenly, many professional cooks like to truss their birds, which is just a fancy term for tying them up.
While it's not a necessary step in cooking a terric turkey, it can be fun to show off your culinary skills at home. Simply tuck the wings of
the turkey under the body and tie the legs together with kitchen string to create a tight
package.
7. Rub the turkey with butter or oil.
Before putting it in the oven, make sure the skin of the turkey is as dry as possible, and then rub it all over with butter or oil.
For even moister meat, place pats of butter under the skin.
8. Skip the basting.
Basting means more oven door opening, resulting in temperature uctuations that can dry out your bird. Instead,
keep your turkey moist by brining it or by rubbing it all over with butter or oil.
9. Invest in a good meat thermometer.
Check for doneness by inserting an instant-read thermometer in the thickest part of the turkey
around the thigh, avoiding the bone. At 165 degrees F, it's done. The turkey will continue to
cook as it rests, so the temperature should rise another 10 degrees or so out of the oven.
10. Give it a rest.
To lock in juices, tent your turkey with foil and let it rest for at least 15 to 20 minutes
before carving. Be sure you don't cover the turkey too tightly as you don't want the
bird to steam under the foil.
Read more at: http://www.foodnetwork.com
Main Ofce
3S555 Wineld Road
Warrenville, IL 60555
Federally Insured by the NCUA.
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.
Apply online at NSCU.org or contact one of our
team members at 630.393.7201 today!
Its a
Wonderful
Life
Its a
Wonderful
Life
When You Feel Prepared
for the Holiday Season!
A Lifestyle Line of Credit provides a little extra
dough for the seasons unexpected expenses
or that perfect gift!
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When You Feel Prepared
for the Holiday Season!