F i n a n c i a l I n s i d e r · cious debt cycle of a payday lender? Contact your loan officer...
Transcript of F i n a n c i a l I n s i d e r · cious debt cycle of a payday lender? Contact your loan officer...
Mark your calendars and
SAVE THE DATE for our
2016 IN HOUSE Annual
Meeting. This year’s theme
is Fiesta Fiesta. Join us at
the credit union on the after-
noon of Friday, April 29th
2016 for delicious food and
entertainment.
More details and infor-
mation to come on our
homepage, online banking
and Facebook. If you have-
n’t ‘Liked’ us on Facebook
yet, be sure to follow us for
all the latest and greatest to
come throughout the year!
2 0 1 6 A n n u a l M e e t i n g F i e s t a
C a s h i n a F l a s h
Running on empty?!?
Need some fuel?!?
Ask us about it!
Did you know the standard
two-week payday loan has
an annual interest rate rang-
ing from 391 to 521 per-
cent according to the Center
of Responsible Lending?
Could you use some extra
financial help from a P.A.L.?
Or are you stuck in the vi-
cious debt cycle of a payday
lender? Contact your loan
officer TODAY for more
information about our new
PAYDAY ALTERNATIVE
LOAN!
Our short term payday alter-
native loan was created to
help our members get on the
right financial path away
from cash advance compa-
nies.
Ju
nc
tio
n B
ell F
CU
D e c e m b e r 2 0 1 5
S e m i - A n n u a l N e w s l e t t e r
F i n a n c i a l I n s i d e r
I n s i d e t h i s
i s s u e :
A n n u a l M e e t i n g
C a s h I n A
F l a s h — P A L
V i s a B a l a n c e
T r a n s f e r
C h r i s t m a s C l u b
A c c o u n t s
E M V C h i p C a r d
R e i s s u e
O f f i c e C l o s u r e s &
D a t e s t o R e m e m -
b e r
Monday, January 18—
MLK Jr Day
Monday, February 15—
Presidents Day
Friday, April 29—
Annual Meeting
May Spring Clean Up
Monday, May 30—
Memorial Day
June 2016—Flicker
Summer Party
Monday, July 4—
Independence Day
I s c r e a m . Y o u s c r e a m .
W e A L L s c r e a m f o r I C E C R E A M !
We will be giving away a Cold Stone Creamery gift card to one lucky Flicker or
Youth member! Be entered for your chance to win by opening a Flicker ac-
count or Youth account for your child by March 31, 2016. It only takes $3 to get
started along with their birth certificate, social security card!
We offer a secondary
savings that earns a high-
er rate/yield than our reg-
ular share savings. Open
a Christmas Club account
with only $25 and set up a
direct deposit to your
Christmas Club savings
earning higher dividends.
Every November 1st your
Christmas Club funds are
automatically transferred
to your regular savings,
just in time for Black Fri-
day shopping!
You even have the option
to immediately transfer
your funds back to your
higher earning Christmas
Club account.
Should you ever need to
dip into your Christmas
Club account before No-
vember, pay a set small
fee of $10 per withdrawal
or transfer.
Contact the credit union
with any questions or
more details!
tax forms. They also offer
Absolute Zero for those who
qualify to file their state and
federal taxes for $0.
Visit our homepage
www.junctionbellfcu.org to
access our Turbo Tax link
that is specialized for our
members.
Turbo Tax now offers W-2
snap & auto-fill which al-
lows you to take a picture of
your W-2 with your phone
and it automatically fills in
your information on your
C h r i s t m a s C l u b
T a x T i m e I s A p p r o a c h i n g
R e i s s u e o f E M V C h i p C a r d s
are now required to have point
of sale terminals that accept EMV
chip card transactions. Rather
than swiping your card, you will
now insert your EMV chip card
into the point of sale terminal
and wait for approval before
removing the EMV chip card.
EMV chip cards provide an extra
layer of security when making
purchases. Migration to EMV
chip cards will help reduce
fraud and protect consumers.
For more information about
EMV chip cards, visit
www.visa.com/chipcard or
contact the credit union with
any questions or concerns.
With all of the recent merchant
breeches of cardholder’s infor-
mation and the continuous coun-
terfeit card fraud, over the next
two years, debit cards and credit
cards will be replaced at the time
of your next expiration date with
the new EMV (Europay, Mastercard,
Visa) chip card.
As of October 1, 2015 merchants
Fun Fact…
Gambling generates
more revenue than
movies, spectator
sports, theme parks,
cruise ships, &
recorded music
COMBINED
Contact your loan officer today
and consider refinancing your
currently vehicle loan with
Junction Bell. Let us see if we
can match or beat your interest
rate!!