Wishing you a Merry Christmas! December 2014 teamonecu.org Follow us on Facebook and Twitter for special offers, upcoming events and prize give-aways! A Team One Mistledough Loan is a great way to get dough for the holidays. Mistledough is a short term, fixed rate loan with an interest rate as low as 6.99% APR*. Finish your shopping list, plan a vacation or use it for whatever you need extra funds for. ∫∫Rates as low as 6.99% APR* ∫∫Easy on your budget-just 11 monthly payments ∫∫Once approved, the funds can be directly deposited into your account ready for use Call, stop by or apply online today! *6.99% APR represents our best rate and is subject to credit approval. Rates are subject to change. To determine your rate, please contact Team One. CD Rate Special! In celebration of our new branch location opening in Bay City at 401 E. Midland Street, everyone can take advantage of a special CD rate. Now for a limited time, get a 36-60 month CD at 2.00% Annual Percentage Yield (APY)*! Conveniently open your CD through online banking, stop in or call for details! Hurry, this great rate won’t last long! *APY = Annual Percentage Yield. Rates are subject to change. Other rates and terms are available. Guaranteed Holiday Cash*! Get a $1,000 loan for the holidays, guaranteed! All you need is three months of verifiable employment or receipt of benefits and $1,500 net direct deposit monthly with us to get your Guaranteed $1,000 Holiday Loan*. Apply today! *Guaranteed Holiday Cash subject to three months verifiable employment or receipt of benefits and having direct deposit equaling $1,500 net per month into your Team One account. Member account(s) must be in good standing. Single credit life and single credit disability included for those eligible. Offer good through December 31, 2014. See Team One for details. A Low Rate Auto Loan and 10,000 ScoreCard Reward Points! With our Skip-A-Payment* program, you can skip your TOCU Auto Loan, Signature Loan or Debt Consolidation Loan payment(s) for extra cash this holiday season. There is a $25 processing fee for each skipped loan. Call, stop in or visit teamonecu.org for a skip-a-payment form. *Finance charges continue to accrue during the skipped payment period. Qualifying loans to be skipped must be current. Please note that First Mortgages, Second Mortgages, Home Equity Loans, Mistledough, Credit Cards, Line of Credit, Commercial or Business Loans, Guaranteed Holiday Cash and any loans disbursed within the last 90 days are not eligible for this offer. A $25 processing fee will be assessed for each postponed loan. Each loan may only be postponed twice per year. (Members can have one in any six month period, but no more than two in a twelve month period.) If you have automatic payment set up through another financial institution for the payment you wish to skip, you must notify that financial institution so that the payment will not be automatically sent by them. The credit union reserves the right to withdraw this offer on an individual basis subject to payment history and criteria. If you have GAP insurance on your secured Auto Loan, you are allowed to skip two payments total over the life of the loan. If you skip more than two payments over the life of the loan, your GAP proceeds may be reduced by the amount of the extra skipped payments should you have a GAP claim. Team One Employees Helping Those in Need In November, Team One employees participated in the Annual United Way Fundraising Drive raising over $7,500 for our communities. Additionally, we held a branch-wide Food Drive and collected food items that were donated to local food banks in time for Thanksgiving. Right now, when you finance an Auto Loan with us for $2,500 or more, you’ll get 10,000 ScoreCard Reward Points on a Team One Visa redeemable for great merchandise, gifts and travel! Auto Loan rates are currently as low as 2.49% APR*! Visit teamonecu.org, call or stop in today! Use our convenient e-sign option and you can electronically sign account and loan documents right from your internet accessible device or smart phone- saving you a trip to the credit union! Don’t delay, apply today! ScoreCard Rewards points offer ends December 31, 2014. *Rate based on credit history. Other rates and terms available. Rates are subject to change. To determine your rate, please contact Team One. ScoreCard rewards can be redeemed for great gifts and travel. To check your point balance, redeem reward points, or get more information about ScoreCard Rewards, visit www.scorecardrewards.com. Auto Dealer Spotlight on Martin Chevrolet Locations Saginaw – Main Office 520 Hayden Street, PO Box 1260 Saginaw, MI 48606 989.754.6575 Bad Axe 499 Brick Street, PO Box 146 Bad Axe, MI 48413 989.269.9557 Bay City 401 E. Midland Street Bay City, MI 48706 989.671.0077 For more information about all of our time saving services, including bill pay, e-sign and mobile deposit, visit teamonecu.org. A Team One Visa Platinum has rates as low as 9.9% APR*, no annual fee and no balance transfer fees! You can even personalize your card with a favorite photo for free. Apply today to get your card in time for the holidays! Caro 1130 Cleaver Road, PO Box 64 Caro, MI 48723 989.673.2042 Saginaw Township 4075 McCarty Road Saginaw, MI 48603 989.799.9326 Sandusky 625 S. Sandusky Road, PO Box 328 Sandusky, MI 48471 810.648.3900 Thomas Township 8450 Gratiot Road Saginaw, MI 48609 989.781.5044 24 Hr. Telephone Teller 800.968.7739 989.754.9699 Toll Free 888.288.3261 Lost or Stolen Credit Card 800.325.3678 Lost or Stolen Visa Check Card 800.500.1044 teamonecu.org Team One’s routing transit number is 272484470. *Rate based on credit history. Other rates and terms available. Rates are subject to change. To determine your rate, please contact Team One. Important Notice for IRA Holders: Payments from your IRA are subject to Federal income tax withholding, unless you elect no withholding. You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the appropriate form available from the credit union. Withholding from IRA payments, when combined with other withholding, MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay. You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Important Tax Refund Information: Per Federal regulation, any income tax refunds coming in via ACH must be deposited into an account bearing the name on the income tax refund. Also, when providing your account number on your tax forms or other forms for ACH, please use your cross reference number, not your member number. All direct deposits must be coded with the cross reference number that links to your account. Your cross reference number can be found at the bottom of your checks (the middle set of numbers) or you may contact the Credit Union to obtain your cross reference number. AARP Smart Driver Course Offered Team One is hosting a two day AARP Smart Driver Course on January 13 and 14 from 10 am-2 pm. at our Saginaw Township branch. Offered by AARP Driver Safety, this course is designed especially for drivers age 50 and older. By taking a driver safety course you’ll learn the current rules of the road, defensive driving techniques and how to operate your vehicle more safely in today’s increasingly challenging driving environment. You may also be eligible to receive an insurance discount upon completing the two day course and receiving your certificate of completion, so consult your insurance agent for details. AARP membership is not required and there are no tests to pass. Seating is limited. Please call the Team One Marketing department at 989.754.6575 to register. Please Note: We will no longer be selling US postage stamps beginning January 1, 2015. Holiday Hours CHRISTMAS Wednesday, December 24-Drive Thru hours 8:30 am-12:30 pm Lobby Hours 9:00 am-12:30 pm. Thursday, December 25-Closed. Merry Christmas! NEW YEAR Wednesday, December 31-Drive Thru hours 8:30 am-12:30 pm. Lobby Hours 9:00 am-12:30 pm. Thursday, January 1, 2015-Closed. Happy New Year! ID Theft ProtectionStay Alert, Stay Informed More people are hitting the stores and purchasing gifts online this time of year and it’s no surprise that identity theft increases during the holidays, too. The best defense against identity theft is to be on alert and informed. Be sure to check your financial statements regularly and credit reports annually. If you have any questions regarding your Team One accounts, please contact us immediately. As your trusted financial partner, your identity protection is our highest priority. We have procedures in place to detect warning signs of identity theft, such as unusual account activity, and we take immediate action and the appropriate steps to prevent and mitigate any potential identity theft event. Additionally, you automatically receive comprehensive identity theft protection as part of your personal checking account(s) for just $1.95 per month*. Please make sure to take advantage of all the ID theft protection benefits that this service offers. Visit teamonecu.org for more information. *Charged out of checking or specified account on the 5th of every month or following business day by Team One and will apply to coverage for the current month. Scholarship Applications for High School Seniors Now Available To help make higher education more affordable for college bound high school students, Team One offers several college scholarships. To be eligible to apply, applicants need to be or need to become a member of the credit union. If your student isn’t a Team One member yet—tell them that when they join, they will be eligible to apply for Team One scholarships and our other great products and services including the Sallie Mae® Smart Option Student Loan. Scholarship applications are now available online at saginawfoundation. org. The deadline to return completed applications to the Saginaw Community Foundation is February 1, 2015. For more information, please call 989.755.0545.
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