www.visionaryfcu.org 0676-Newsletter-0616

FALL 2016

Avoid the shopping rush and using a high rate credit card to get the job done. With the Jingle Bucks Loan Special you can enjoy a low rate loan and make the holidays bright for the ones you love.

Apply todAy!Apply online at www.visionaryfcu.org or call 412-221-6660 for more details!

Jingle Bucks, Jingle Bucks, Jingle…All the Way to the Holiday!

APPLICANT’S NAME GroSS MoNThLy INCoME*: *Income from alimony, child support, or separate maintenance need not be revealed

$ unless you wish such income to support a request for credit.

AddrESS hoME PhoNE No. EMAIL AddrESS (oPTIoNAL)

( )

AddrESS SoCIAL SECurITy No. MorTGAGE/rENT PAyMENT:

$

EMPLoyEr Job TITLE or oCCuPATIoN how LoNG? bIrTh dATE hoME/CELL PhoNE No.

( )

buSINESS AddrESS (STrEET & No.) CITy, STATE, ZIP work PhoNE No.

PrEvIouS hoME AddrESS (If LESS ThAN Two yEArS AT CurrENT AddrESS) CITy, STATE, ZIP how LoNG?

Co-APPLICANT NAME (LAST, fIrST, MIddLE) SoCIAL SECurITy No. bIrTh dATE MorTGAGE/rENT PAyMENT:

$

hoME AddrESS (STrEET ANd No.) CITy, STATE, ZIP hoME/CELL PhoNE No. GroSS MoNThLy INCoME*:

$

EMPLoyEr buSINESS AddrESS (STrEET & No.) CITy, STATE, ZIP how LoNG? work PhoNE No.

( )

APPLICANT’S SIGNATurE o wE INTENd To APPLy for JoINT CrEdIT. dATE Co-APPLICANT’S SIGNATurE o wE INTENd To APPLy for JoINT CrEdIT. dATE

X ______________________________________________________________ X ________________________________________________________ _I/We certify everything I/we have stated in this application and on any attachments is correct. You may keep this application whether or not it is approved, and I/we authorize you to share this application with any of your affiliates for the purpose of determining whether I/we might qualify for other products you or those affiliates offer. I/We authorize you to check my/our credit and employment history and to answer questions others may ask you about my/our record with you. I/We understand that I/we must update credit information at your request if my/our financial condition changes.

* Supply two recent paystubs at time of application.

Quick Loan Application More information may be required.*

o owN o rENT o LIvE wITh rELATIvE o oThEr

Amount Requested: $____________________

*APR=Annual Percentage Rate. Loan rates listed are: “as low as” rates and your final rate may be higher depending on credit worthiness and debt to income ratio. Other rates and terms available. Any or all promotional rates and offers may change and/or end without notice. Approval is based on normal underwriting requirements and income verification. $3,000 maximum.

2.99%APR*

up to 18 months

Skip-A-Payment Request FormName __________________________________________________ Account Number ______________________

Daytime Phone ____________________________________________ Email Address __________________________

Please complete the form below and fax to 412-221-3414 or mail to:Visionary FCU, 201 Beram Ave, Bridgeville, PA 15017

*not all loan types are eligible and requests are subject to approval and a credit report review

Loan # ___________________ Loan #____________________ Loan #__________________

Please take the $35 per loan fee: From my share/savings account ______

From my checking account ______

***No Skip-A-Payment forms will be processed without payment arrangements for the fee to be paid at the time the form is processed. I understand that interest will continue to accrue on the unpaid balance and the term of my loan will be extended beyond my initial contract date. I also understand that my payments are to resume in January 2017.

Signature: ______________________________________________ Date: ______________

Joint Signature (if necessary) _______________________________ Date: ______________

By signing above, you authorize Visionary FCU to extend your final loan payoff date for each loan requested on this form. The $35 processing fee per loan will automatically be deducted from your share savings or checking account as indicated above. Interest will continue to accrue on your loan during the month of December 2016. In order to skip your loan payment(s), all loans must be current and in good standing at the time we receive your request. Loans with collateral (i.e. autos, motorcycles, etc.) must have current insurance protection on file at the time of your request. You will not be permitted to participate in the offer if any of your Visionary FCU accounts have negative balances. Skip-a-Pay requests are not permitted on Home Equity Loans or VISA® credit card loans. Eligible loans may be permitted to a maximum of three (3) skip-a-payment requests per the life of the loan(s). Visionary FCU reserves the right to deny this offer for any reason. The loan must be open for 3 months in order to be eligible to skip a payment. Offer subject to change.

Holiday Cash with Skip-a-PayJust when you need it most, our Skip-A-Pay program can give you extra cash this holiday season. Use the money

to buy gifts, head out for a long holiday weekend, or pay off some bills. For just $35* per eligible loan, you can choose to skip your qualifying Visionary FCU Loan payment in December. To make your request, stop by the Credit Union, or complete the form below and mail it or fax it to us by November 30, 2016. Please note that ALL BORROWERS on the loan(s) must sign the form.

The $35 processing fee is a NON-REFUNDABLE FEE and will automatically be withdrawn from your Share Savings or Share Draft (Checking) Account at the time you sign up for the skip-a-payment program. If you make your loan payments with Payroll Deduction or Direct Deposit, your payment will be deposited into your Share Savings Account. Reminder: Throughout the month of the skipped payment in December 2016, interest will continue to accrue on your loan.

*You may choose to skip December 2016 payments only. No skip-a-payment request will be processed without payment of the fee. Home equity loans and VISA® credit card loans are not eligible. Must be a member in good standing. All loans must be current as of November 30th to be eligible to skip December payments. Qualification for this special promotion is subject to approval. Processing fee is per qualifying loan.

www.visionaryfcu.org 0676-Newsletter-0616

0676-Newsletter-0616

Experience “The Authentic Difference” At Your Credit Union

Thursday, October 20, is International Credit Union Day, and this year’s theme, “The Authentic Difference,” highlights the international credit union operating principles. These are the nine fundamental truths that set a credit union apart from other financial institutions: A credit union is democratically controlled, with membership open to those specified in its charter and doesn’t discriminate. It’s financially stable, dedicated to serving its members and distributes profits to members, not just a few shareholders. Credit unions cooperative with other cooperatives, strive to be socially responsible and are committed to ongoing member education.

Your credit union is not just a friendly place to borrow and save; it’s these principles that differentiate us from a bank or a payday lender and why you belong at the credit union. So join in the celebration and experience “ The Authentic Difference” the credit union can make in helping you secure your financial future.

Our new CardValet® app lets you control all of your debit cards.

Save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket.

• Get real-time notifications when your card is used.

• Restrict transactions to a certain area using your phone’s GPS.

• Set security preferences to match your spending habits for every debit card.

• Set spending limits for every transaction.

• Enable or disable your cards to be used within certain merchant categories such as gas and groceries, hotel and travel.

• Lock and unlock cards with a few taps on your smartphone.

© 2016 Fiserv, Inc. or its affiliates. CardValet is a registered trademark of Fiserv, Inc.

611-16-29768 CardValet_Counter_Card_DEBIT.indd 1 7/8/2016 9:02:15 AM

Visionary FCU is pleased to introduce CardValet®, a mobile card management application that helps reduce account fraud by allowing cardholders to monitor accounts with their smartphone and control how, when and where their debit card is used.

CardValet was developed in partnership with Fiserv and is available in the Apple® App Store or Google® Play. Once CardValet is set up, cardholders have the ability to “turn off” their card when not in use, establish transaction spending limits and decline a transaction when the amount exceeds a predefined threshold.

Real-time smartphone alerts can be customized based on the types of information each cardholder would like to receive. For example, a cardholder can set up an alert to be notified when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but has been declined based on the parameters established.

CardValet offers cardholders the capability of linking additional accounts to better monitor dependent spending. So, by using the GPS system in their smart phone, geographic use restrictions can be established for college students along with restrictions on merchant type and spending limits.

CardValet is also ideal for small businesses. All transactions can be monitored or controlled for specific merchant categories, such as travel, restaurants or entertainment, and can be denied or reported for types of merchants deemed not business related.

Download the app to get started today!

www.visionaryfcu.org

board of directorsJohn Mercier Chairman Rudy Minella Vice Chairman Phyllis Miller Secretary Ray Summers DirectorRay George Director &

Supervisory Committee Chairman

loan officersWendy Kingsland

Phyllis Miller Heather Fries Susan Tinney

office staffWendy Kingsland President/CEO Phyllis Miller VP Operations Heather Fries Office ManagerSusan Tinney Head Teller/MSR April Edkins ACH/Share Draft Peggy Welsh MSR Kay Brodmerkel MSR Judy Krisovenski MSR

location201 Beram Ave.

Bridgeville, PA 15017 Phone: 412-221-6660

Email: info@visionaryfcu.org Fax: 412-221-3414

Visa Debit After Hours: 1-800-472-3272

Visa Credit Customer Service: 1-844-348-7518

Visa Credit Customer Service International: 1-301-945-3572

Shared Branch Service Center Hours of Operation:

Mon-Tues-Fri: 8:30 A.M. – 5:00 P.M. Wednesday: 8:30 A.M. – 1:00 P.M.

Thurs: 8:30 A.M. – 6:00 P.M.*

Lobby Closes at 5:00 on Thursday Drive thru open until 6:00

www.visionaryfcu.org

Thursday, November 24 Thanksgiving Day

Monday, December 26 Christmas HolidayMonday, January 2 New Years Holiday

Holiday Closings

0676-Newsletter-0616

Sign Up For EmailEmail is by far the fastest and most cost-efficient means to communicate

important updates and benefits to our members. Unlike any other means we have at our disposal to communicate to you, email allows us to send you valuable information almost immediately. And you can be assured that we never share your email address or give it out to others. Your email address, like all of your information is kept completely confidential.

First Name__________________________________________

Last Name__________________________________________

Account Number_____________________________________

Email Address_______________________________________

Mail completed form to: Visionary FCU201 Beram Ave. Bridgeville, PA 15017

Invite Your Family To Join OursThe holidays are just around the

corner. Here’s a gift that can last a lifetime: membership in the credit union. Because you belong to the credit union, your family members also are eligible to join. They, too, can enjoy all of the benefits of belonging: lower rates on loans, competitive rates on savings, convenient access to their accounts, and best of all, being treated like a person, not a number.

In satisfaction survey after survey, consumers consistently rate credit unions higher than other financial institutions. With a gift of credit union membership, one size really does fit all and no worries about the long line at the return and exchange counter. Membership in the credit union makes an ideal baby shower or christening gift as well. What better way to show your love and affection than starting a little one out on the road to financial security?

For more information about how your family can join the credit union family, stop by the credit union or give us a call.

Holiday Help From Your Credit UnionIs your Grinch-like budget barely covering the cost of Santa’s

cookies and milk this holiday season? We can help. With a Holiday Loan from the credit union, you can enjoy this most wonderful time of the year. And our low-interest rates mean you won’t end up with a

holiday hangover from bringing on credit cards.

Start by calculating your expenses: gifts, wrapping paper, shipping and postage, decorations, cards, holiday meals and parties and so on. Last year’s bills can help remind you of what you

spent. Too much? Think about ways of trimming back. For example, draw names instead of buying everyone on your list a gift or ask family members to help with meal preparation by bringing a dish to pass. Plan to ship gifts in ample time instead of paying for expedited deliveries.

With your spending plan complete, see us about a Holiday Loan. Then shop with cash. Research shows that many consumers spend less when they use cash instead of plastic. Happy holidays from all of us at the credit union.