www.visionaryfcu.org 0676-Newsletter-0616

FALL 2017

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. $5,000 maximum.

4.95%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 2018.

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 2017. 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, 2017. 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 2017, interest will continue to accrue on your loan.

*You may choose to skip December 2017 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

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.

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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

Home Sweet Loan Poet Robert Frost once

observed, “Home is the place where, when you have to go there, they have to take you in.” But your home is more than a safe port in a storm. If you have accrued any equity, it also can be a great way to finance an updated kitchen or bath, buy a new car, or pay educational expenses. (And it may be a tax-advantaged way to do so; check with your tax advisor for details.)

A home equity loan is an especially smart way to borrow for home improvements. You’ll not only improve the livability of your home, but also, depending on the project, be able to recoup part of your investment when you sell. According to the 2017 Cost vs. Value Survey conducted by “Remodeling Magazine”, adding insulation to your attic, for example, may pay you back 107 percent whereas putting in a back yard patio may provide about a 68 percent return on investment, depending on local market conditions.

To calculate your equity, just subtract the amount you owe on your mortgage from your home’s value. Not surprisingly, this is called the loan-to-value ratio or LTV. (Estimate the value by checking your tax assessment.)

Then contact the credit union to apply!

0676-Newsletter-0616www.visionaryfcu.org

PHONE 412.221.6660WEBSITE www.visionaryfcu.orgEMAIL info@visionaryfcu.orgFAX 412.221.3414BRANCH/MAILING ADDRESS 201 Beram Ave Bridgeville, PA 15017BRANCH HOURS Mon-Tues-Fri: 8:30am – 5:00pm Wednesday: 8:30am –1:00pm Thurs: 8:30am– 6:00pm*Lobby Closes at 5:00 on Thursday Drive thru open until 6:00

VISA DEBIT AFTER HOURS 1.800.472.3272VISA CREDIT CUSTOMER SERVICE 1.844.348.7518VISA CREDIT CUSTOMER SERVICE INTERNATIONAL 1.301.945.35725,300+ NATIONWIDE BRANCHES www.sharedbranching.org 888.748.3266

HOLIDAY CLOSINGS

Columbus Day October 9 Closed

Veterans Day November 10 Closed

Thankgiving Day November 23 Closed

Christmas Day December 25 Closed

New Years Day January 1 Closed

$100 CASH REWARDWITH EVERY NEW LINEIt’s Sprint’s best Credit Union Member Cash Rewards offer ever — another BENefit of membership!

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards.

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Thank You Vets!November 11th is the day set

aside to honor our veterans, but every day is a good day to thank

our veterans for their service. Our men and women in uniform make it possible for us to enjoy our freedom and way of life, and for that, we owe them a debt of gratitude. We also need to thank

our veterans’ families who sacrifice so much while their loved ones are

protecting our freedom.

Whether they have served their country honorably during war or peacetime, our veterans

are our heroes. So make it a point to thank your friends and family members for their service. And

when you spot someone in uniform or wearing a baseball cap or jacket identifying a branch of service, be sure to extend your gratitude and

best wishes.

OUR HOME EQUITY LOAN

WILL MAKE YOUR DREAMS

COME TRUE!

2.99% APR* up to 5 years

3.99% APR* up to 15 years

NO CLOSING COSTS!