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What's New
New Service : Statements available through Home Banking We are happy to report that you can now see your statement activity by going to our Home Banking page. Once logged in, you'll be able to see the same statement that we send you monthly (or quarterly). Click on the "Statement" link at the bottom and then click on the month you want/need. You can even print them out yourself. If you want us to stop mailing your statements because of this availability, please call us to "opt out" of our mailing list. Invest in America Campaign GM and Chrysler have partnered with credit unions to give our members a better deal! You can get "Supplier Discounts" at GM and cash incentives from Chrysler because you are a credit union member. Go to LoveMyCreditUnion.org for more details. See the link on our home page. More than 100,000 cars have been sold. This campaign is continuing into 2010. Mechanical Repair Coverage through ARC If you have already bought a car and wish you had purchased a warranty repair service, give us a call. We are able to offer a Mechanical Repair Coverage policy through CUNA Mutual's Member Connect program. You tell them what coverage you want and can afford; they will create the policy for you. Normally, this coverage is much cheaper than your dealership--and coverage is recognized by repair shops. Call for more details. Refinance your auto loan with us If you have an auto loan with another financial institution, bring in your loan papers and title and we will see how we can save you some time and money! We may be able to reduce your payments, your interest rate and with automatic payment transfers, we can save you the time to stand in line or the cost of a postage stamp. Your interest rate can be reduced by 1/4% if you agree to automatic payments, too. If we give you this re-fi loan, we'll also give you a $50 gas card for your trouble. Give Sue or Fran a call. We are pleased to announce our dividend! The Board has declared a dividend on savings accounts for the 4th quarter 2009. All savings accounts will receive a .20% APY dividend. The Board has also declared a dividend of 1.5% APY on IRAs for the 1st quarter 2010. ARC Credit Union is very pleased to be able to reward its members for their loyalty and participation. Thank you for being a member! Free Checking! Your credit union offers free checking (or share draft) for all personal accounts. You can get free checking and a free debit card. You can also have instant access to the transactions in your account by signing up for Internet Home Banking. If you don't have a MasterCard debit card yet, call the office and we'll send you the necessary forms. If you meet our loan guidelines, we may issue an overdraft protection plan for your account. Special for Graduating Seniors APY
Before you are off to college, make sure to open a checking account with us. We offer MasterCard debit cards that can be used with your checking account. This card can be used in place of a check or can be used at ATM machines for cash withdrawals. AND, there are no monthly service fees. Here's the best part: If you are leaving town, Mom or Dad can easily put money into your account when you need it. First Time Car Buyers: Need an auto loan? Just getting out of school and you're a first-time car buyer? Get that car loan from us and we'll give you a $25 gas card to fill up the tank. (Well, almost.) Apply now. Ask for Sue or Fran. Home Equity Loans available for a variety of purposes Effective 5-1-09, the minimum rate for Line of Credit Home Equity is 4% APR (floor rate) with a maximum annual percentage rate of 18%. Do you have major home improvements, school tuition, or college expenses pending? All are good reasons to consider using a home equity loan. Our Line of Credit Home Equity loan is opened with an established limit and you borrow against it as needed. The index rate is Prime Rate as published in the Wall Street Journal +1% (minimum is 4% APR), which means that the current rate* for a H/E Line Of Credit loan is 4.25% APR for 2nd quarter 2009. This is a variable rate, so the rate may change quarterly. Our one-time-advance Closed-end Home Equity loan is currently at 7.5% APR. Have questions? More details are available in our home equity packages. These rates are subject to change. Call for details. *Prime rate is 3.25% APR as of 12-20-09. Carefree Shopping with a fixed-rate VISA Platinum Credit Card and Get Bonus Points for shopping Effective 5-1-09, Our VISA Platinum card has a rate of 13.9% APR with no annual fees, no transfer fees, no cash advance fees. Payments are only 3.5% of the balance owing. All balances prior to 5-1-09 are still at 11.9% APR till paid. Call Sue for details at 773-9112. We now have ScoreCard Rewards attached to this Platinum card. Go to www.scorecardrewards.com to see what valuable gifts can be yours through this bonus points program. Need to Do Business on a Saturday? If you need to do your banking business on Saturday, please use the nearest Credit Union Family Service Center. For locations of Credit Union Family Service Centers and Shared Branch Outlets, please go to their website, www.CUServiceCenter.com. These centers are open 9 am to 7 pm Monday-Friday. They are also open Saturdays from 9 am to 2 pm for your convenience. When going to a Shared Branch Outlet, these hours will vary. If you are going out of town, call us and we'll try to see where surcharge-free ATM machines are located in your vacation area! The majority of 7-11 Stores now offer surcharge-free ATMs. Call us for details. Looking for the Roseville Office Our office is located on the southwest corner of Thirteen Mile and Kelly Roads on St. Athanasius Church property. Our office is open 9:30 am to 4 pm Monday to Thursdays and on Fridays till 6 pm. Just come into St. A's parking lot and you'll find us. The address is 18720 Thirteen Mile Road, Roseville MI 48066. Internet Home Banking Our Internet Home Banking product is available to all members. You need to be signed up before you can access the Internet Home Banking product. Once signed up, go to the Home Banking page, click on the link at the bottom and you are on your way. You will create a new PIN the first time you login. We continue to offer our audio response product, Touch Tone Teller. MasterCard Debit Cards MasterCard Debit Cards make it easy to access your share draft account! You will need to sign authorization papers so please contact Sue. All transactions using the debit card will be taken from your share draft account. All debit card applicants must meet certain credit guidelines and may receive an overdraft protection line of credit. Remember when you use your card to say "credit" and sign for the purchase. Otherwise, our system will consider it as an ATM withdrawal and you may be charged at month end. The first 4 ATM transactions are free. Call Sue or Fran for more details. Apply On-line and Get Some Bread!! Is this your first time to apply for a loan online? A $5 Panera Bread card awaits you when you apply online. You will get your Panera Bread gift card at time of loan closing. January 22, 2010
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