TRANSFER HIGH RATE BALANCES TO YOUR FIRST UNITED VISA® CARD!

Now is a perfect time to pay off more expensive credit card debt with rates as low as 3.9% APR*.

CONSOLIDATE & SAVE

1. Verify your current balance of other credit cards.

2. Request to transfer: Call us, fax your balance information, or complete and mail the coupon on the back of this newsletter.

3. Remember to never email us your personal information.

Consolidate and save when you transfer your balances from other higher interest rate cards to your First United Visa® Card. You’ll receive a 3.9% APR* on balance transfers made from January 10 – April 30, 2015. Balances stay at this rate through your statement ending November 2016.

MORE BENEFITS:

  • Earn Rewards on purchases (w/ Visa Platinum Rewards Card)
  • No Annual Fee
  • 24/7 Online Access and Customer Service
  • $0 Fraud Liability
  • Emergency Cardholder Services

AND, THERE’S NO BALANCE TRANSFER FEE!

*APR= Annual Percentage Rate. Promotional balance transfer rate effective on balance transfers made January 10 – April 30, 2016. We will begin charging interest on these checks on the transaction date. Balances stay at this rate through your statement ending November 2016. After that, your rate will revert to the standard Retail/Purchase APR as previously disclosed in your cardholder agreement. By signing this form, you authorize the financial institution to pay the item for the amount indicated. Your account must be in good standing, and the financial institution reserves the right to return any item on accounts if your account is either in default, you have exceeded your credit limit, or if the item you wish us to pay would cause the outstanding balance in your account to exceed your credit limit. Rates and terms subject to change without notice. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs.

STILL GOING STRONG!

OUR 2016 SAVINGS SPECTACULAR:

ADD .16 to ANY CD Term*

Our rates are consistently some of the best in the nation. WE PAY ABOVE MARKET RATES. But NOW, when you bring your investment to First United, you qualify for .16 ADDED to any new CD rate! Invest in any term or make a contribution to an IRA. Both qualify for the added .16 incentive!

  • Choose from flexible terms of 6 to 60 months
  • LIMITED TIME: ADD .16 (16 basis points) to any term
  • With an active First United Checking, ADD ANOTHER .10 (10 basis points) to any term**
  • Earn even more on CDs over $20,000!
  • Lucrative Money Market Accounts also available
  • DEPOSITS are NCUA insured up to $250,000

60-Month CD RATES:

Rate               Amount          2016 Incentive     w/Checking           YOUR BEST APY

2.00% APY*   $500 Minimum           + .16                           +.10                 =       2.26% APY**

2.05% APY*   $20,000 Minimum      + .16                           +.10                 =       2.31% APY**

*APY = Annual Percentage Yield. Rates effective January 1, 2016, and subject to change. Interest is compounded and credited monthly. Penalties for early withdrawal, which will impact earnings. Minimum investment is $500; maximum investment is $250,000. Offer available for a limited time. Some restrictions apply. See First United Credit Union for details. Rates are not available to businesses. **Must have a minimum of $250 ACH Direct Deposit and an Active Checking/Debit Card and Online Banking with eStatements/eNotices.

HURRY! THIS IS A LIMITED TIME OFFER.

 

Fall in Love with Our Sweet Loan Rates

We have some of the best loan rates around!

Check them out today by logging in and clicking New Accounts, then More Loan Info.

You may even be able to apply for some of our loans online!

 

Romance Can Be Tricky

Beware of romantic eCards this month. Some seemingly sweet gestures could be malicious malware headed for your hard drive.

Learn more about keeping your money secure.

 

We Make Moving a Breeze

Need to move your money to another one of your accounts or another member’s account?

Simply log in and click Pay & Transfer to get started!  You can even set up recurring transfers to happen automatically at the time of your choosing.

Contact us at the credit union if you need assistance.