Located on the ground floor in Saint Joseph’s Hospital

3001 West Dr. Martin Luther King, Jr. Blvd.

Tampa, FL 33607-6387 Phone: (813) 870-4360

Fax: (813) 870-4475 Audio Response: (813) 870-4560

Office Hours Monday - Friday 8:00 AM - 4:00 PM

St. Joseph’s Hospital-South 6901 Simmons Loop Riverview, FL 33578

Phone: 813-302-8444 Fax: 813-302-8437

Office Hours Monday - Friday 8:00 AM - 4:00 PM

North Office Located in the Physician

Office Building 4211 Van Dyke Road, Suite 102A

Lutz, FL 33558 Phone: (813) 443-7681

Fax: (813) 443-7688

Office Hours Monday - Friday 8:00 AM - 4:00 PM

John Knox Village 4100 East Fletcher Ave.

Tampa, FL 33613 Phone: (813) 632-2475

Fax: (813) 632-2433

Office Hours Monday, Wednesday & Friday

8:00 AM - 4:00 PM

www.sjhfcu.org

Tiffany Harris, Editor

AdvantageA HEALTHY SOLUTION FOR YOUR PERSONAL FINANCIAL NEEDS

CREDIT UNION SPRING 2016

At St. Joseph’s Hospital Federal Credit Union You Can

CHOOSE HOW YOU SAVEChoose one of these great deals when you purchase your new or used vehicle

or refinance your current auto loan from another financial institution.

$200 Off Extended Warranty

$100 Off GAP

$50 Gas Card

Additional .25% Off

Your Rate*

Contact Us Today!*APR is Annual Percentage Rate. Limited time offer. This offer is subject to credit union approval based upon applicant conformity with standard credit union approval guidelines. Applicants must be in St. Joseph’s Hospital FCU’s field of membership. To qualify, the loan must be a new or used vehicle purchase or a refinance from another financial institution of $10,000 or more. Members must choose their offer prior to loan closing.

CU ROAD PALGet safety and security of roadside assistance

and more for less than $1 per week*.St. Joseph’s Hospital FCU now offers CU Road Pal, a roadside assistance program created exclusively for credit union members and provides unparalleled service and unprecedented value. CU Road Pal offers a wide range of roadside assistance services and other travel-related benefits to keep you on the road.

For less than $1 per week* get the safety and security of roadside assistance. From little incidents like being locked out of your vehicle to bigger troubles like needing a tow truck, CU Road Pal is here to help get you back on the road quickly. Its professional customer service team is just a phone call away and ready and waiting to assist you 24 hours a day, 7 days a week, 365 days a year. They’re always there when you need them.

Speak to a member representative or visit LoveMyCreditUnion.org to learn more.

*Based on individual roadside assistance plan.

©2016 Membership Marketing Support Services

RATESCertificate Rates

Term Rate APY

Six months 0.60% 0.60%

One year 0.80% 0.80%

Two year 1.39% 1.40%

Three year 1.74% 1.75%

Four year 1.98% 2.00%

Five year 2.23% 2.25%The minimum balance required to earn the stated APY on certificates is $1,000.00. Dividends are compounded monthly and credited to your certificate or share account monthly. Annual Percentage Yield (APY) is accurate as of April 1, 2016. APY, terms and conditions are subject to change without notice. Certificates are subject to penalty for early withdrawal.

Share Rates APR APY

Regular Savings 0.20% 0.20%

Holiday Club 0.30% 0.30%

Average daily balance of at least $500 required to earn dividends.

Money Market 0.40% 0.40%

Minimum required balance: $2,500. Minimum transaction $500.

For current rates and terms for specific accounts, call (813) 870-4360 or fax us at (813) 870-4475.

APR=Annual Percentage Rate. APY=Annual Percentage Yield. Rates effective as of April 1, 2016 & subject to change without notice.

Accounts are insured up to $250,000 by the National Credit Union Administration.

The Truth About 0% FinancingAuto LoansIf you are shopping around for a new vehicle, you have probably seen many 0% financing offers advertised by various automakers. Zero-percent financing is currently one of the most popular incentives in the automotive industry. This offer, which suggests that you can finance a car and pay no interest over the term of the loan, may seem like an attractive offer. However, it is important to consider the hidden costs of this dealer financing offer.

• Zero-percent financing is usually offered on a limited number of models in dealer stock. This means you are limited in color, style and/or options. Also, you will usually find this offer on slower-selling models that have lower resale value.

• Zero-percent financing may require a shorter-term loan, which means higher monthly payments. These loans usually do not extend as long as conventional auto loans. If your goal is to keep your monthly payment low, it may be best to opt for a conventional auto loan instead of 0% financing.

• Zero-percent financing is typically offered only to consumers with “pristine” credit. This means less than 10 out of every 100 people will qualify.

• Zero-percent financing may make negotiating more of a challenge. If you qualify for 0% financing, you may not be able to negotiate a better price for the vehicle. Also, the dealership may not give you top dollar for your trade.

• Zero-percent financing is usually offered in an either/or offer with a cash rebate. Count the costs! The amount of the rebate may exceed the amount of interest you would have paid over the life of a low-rate conventional auto loan. You could also add that amount to your

down payment, reducing the amount you need to finance.

• Zero-percent financing can have bigger prepayment penalties and require larger down payments.

Other PurchasesDid you know that 0% financing is also available for other types of purchases?

Whenever you go to buy furniture, electronics, appliances, and even some services such as home renovations, the salesperson will usually offer you their 0% financing option. Be sure you clearly understand the terms. It is really only 0% interest if you pay off the loan in the designated period before the 0% financing ends. If you do not pay off the item before the term is up, you could face significant interest charges!

The Best OptionWhen comparing these 0% financing options with those offered by your credit union, you likely conclude that the best option for you is a St. Joseph’s Hospital FCU auto or personal loan. St. Joseph’s Hospital FCU offers low-rate auto loans on new and used vehicles, starting at just 1.70% APR.* You will also find competitive rates on our personal loans and credit cards for those other big purchases. Call or come by one of our convenient locations to speak to a loan officer about your options.

Best Rate Guarantee

St. Joseph’s Hospital FCU is committed to offering its members the best CD rates. We’ll beat any locally advertised CD rate by

1/8% (.125% APY*)

*Member must have the actual ad to qualify. Offer restricted to rates advertised in the past 7 days by financial institutions in the Tampa Bay area. Offer may be withdrawn at any time. Minimum opening deposit is $1000. Fixed rate, fixed term CDs only. Twelve month term or longer.

*APR is Annual Percentage Rate. Offers are subject to credit union approval based upon applicant conformity with standard credit union approval guidelines.