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November 2018 Newsletter

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November 2018 Newsletter A Word from the CEO HOLIDAY CLOSURES A cool crisp chill fills the air a frosty shimmer covers the ground and the trees are displaying all of their brilliant fall colors November has arrived While visions of cozy sweater blankets a crackling fireplace and a cup of hot cider swirl in our heads there is something else about this time of year that makes it extra special Monday November 12th Veteran s Day Thursday November 22nd Thanksgiving November is a time for gratitude It s a time to focus on all of the blessings we are fortunate to have in our lives At NorthStar we have over 15 000 reasons to be thankful each of you We ve come a long way since we ve opened the doors in 1971 and we couldn t have done it without your loyalty and support It s been an amazing journey watching generations of your families grow with us We ve celebrated milestones such as getting married purchasing your first home sending your child off to college and more And we ve shared in the tough times of loss and tragedy which have only brought us closer together We are family 4th Plainfield Junior Women s Indoor Tailgate 11 30a m 4 30p m To celebrate our credit union family and to express our gratitude for your ongoing patronage we re running a special offer during the month of November Double Referral Rewards If you re happy with your member experience refer a friend or family member our way Qualifying referrals will earn you and your friend or family member a 50 Visa gift card Who couldn t use some extra shopping money this time of year Click here to learn more On behalf of all of us at NorthStar we wish you and your loved ones a very happy Thanksgiving As we count our blessings this season know that you re at the top of our list UPCOMING EVENTS November Nevin s Brewing Company 12337 S Route 59 Plainfield IL 60585 Village Green Park 24121 West Chicago St Plainfield IL 60544 24th Grinchmas on the Green 5 00p m 5 45p m WHAT S INSIDE Thanksgiving Pie Ratings Dream Saver CD Black Friday Cyber Monday Tips Refer A Friend Promotion Enter to Win a 49 Samsung HDTV Star Rewards Warmly Lloyd NSCU Commuter Mug 5 000 points Feedback Contact the CEO Lloyd M Fredendall Redeem your points today

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Deposit Rates Current Savings Rates as of 9 1 18 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 America s Thanksgiving Pie Ratings Pumpkin Pecan Apple 36 15 14 Ultimate High Yield Checking APY 10 000 3 00 Certificate of Deposit APY 6 Months 0 60 1 Year 1 75 2 Years 2 00 3 Years 2 10 4 Years 2 10 5 Years 2 75 Sweet Potato Chocolate 10 8 Blueberry Lemon Meringue 4 4 Other 3 Cherry 5 Strawberry 2 Money Market APY 0 01 999 99 0 00 1 000 00 2 499 99 0 20 Source www delish com 2 500 00 9 999 99 0 40 10 000 00 24 999 99 0 45 25 000 00 99 999 99 0 55 100 000 00 higher 0 60 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 Rake in the Savings Current Auto Loan Rates Model Year 2014 2019 Up to 48 Month as low as 3 74 Up to 63 Month as low as 4 24 Up to 75 Month as low as 4 49 Up to 84 Month as low as 5 24 Model Year 2008 2013 Up to 48 Month as low as 4 49 Up to 63 Month as low as 4 74 Up to 75 Month as low as 4 99 Visit NSCU org for additional loan rates All loans are subject to credit approval NSCU org 630 393 7201 Set your savings on auto pilot for as little as 20 a month with a Dream Saver CD Rates subject to change Minimum deposit to open is 50 Recurring automatic monthly deposit of at least 20 required Early withdrawal penalty will equal 10 days of dividends per month of the term on the amount subject to penalty For example a 24 month certificate will have a 240 day penalty See a member of the NorthStar Credit Union team for more information or for a listing of our current rate information Federally insured by the NCUA

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How to Shop Black Friday Cyber Monday Deals Black Friday and Cyber Monday are not far off Here are 7 tips to surviving this shopping centric holiday and landing the deal you re looking for without losing your head 1 Research Deals Before you rush off to the stores on Black Friday or load all your go to retailers in your browser tabs look into deals ahead of time so you can make a game plan 2 Shop Strategically Believe it or not the types of deals you can get on Black Friday differ from those on Cyber Monday and you can get better deals in certain departments than others Below RetailMeNot shared the top discounts by category and percentage that can be expected during these days based on last year s data Top 10 retail categories by off on Black Friday Designer Clothing 41 Multi Category 40 Personal Services 39 Teen Clothing 36 Clothing 35 Accessories 34 Computers and Electronics 33 Toys and Kids 33 Sports and Fitness 33 Shoes 33 Top 10 retail categories by off on Cyber Monday Designer Clothing 40 Multi Category 40 Personal Services 39 Teen Clothing 37 Clothing 35 Accessories 35 Sports and Fitness 34 Toys and Kids 33 Computers and Electronics 33 Shoes 33 3 Budget Accordingly If you re shopping for everyone on your list this holiday outline what your spend ceiling is when it comes to each person That way you won t blow your budget on the first enticing sale you see 4 Review Return Policies Retailers usually have specific return policies for doorbuster sales so we advise you to research beforehand what they entail so shoppers are prepared Skirboll says If returns on certain products aren t permitted then you may want to skip the variable gifts and only go for the reliable items on your list that are sure to please recipients 5 Factor in Shipping Fees The worst thing to do is have your heart set on a discounted item only to realize that the shipping costs more than the thing itself This is typically true of larger heavier items including furniture and technology Do yourself a favor and look up shipping costs in advance 6 Save Receipts and Order Confirmations Many retailers now allow you to email or print your receipts in person Do either or both but just be sure that you keep a record of your purchases especially if your shopping list includes high ticket items because you never know when you may need to do a return or exchange Plus it s important to total your expenses so your credit card statement doesn t surprise you If you re a web shopper have order confirmations sent to the same email address and save them for future reference in one central folder named receipts or Christmas gifts That way they re easier to find later instead of searching through your entire inbox 7 Have Fun Assuming you ve gotten this far the idea of shopping serious sales for steep savings must appeal to the bargain shopper within you Don t get caught up in the chaos and frenzy of Black Friday and Cyber Monday Keep your cool and remember If you don t get the items at the top of your wish list there s always next year Source www bestproducts com

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Better Together Together LIMITED TIME Refer A Friend Today Click here to learn more Double Bonus Give 25 50 Get 25 50 HURRY Ends 11 30 2018 Refer your friends or family to NorthStar Credit Union They join you both earn Receive a 50 Visa 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 defined 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 This promotion is not sponsored by Visa This promotion will expire on November 30th 2018 Visit NSCU org for info NSCU org 630 393 7201