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What's New
MONEY SALE!!! For the 4th quarter 2008, we are offering a discount of 1/2% off all * auto/truck and signature loans. Buy that auto soon or bring in your loan papers from another institution and we'll see what we can do to make your loan payments a little lighter on your wallet. For new autos, the rate is 5.99% APR, but with this special Money Sale, it can go down to 5.49% APR. But, if you have your payment automatically transferrred, we can reduce the rate to 5.24% APR. All* loans have loan protection insurance, which means if you qualify, your loan may be paid off if you should die. Call us for more details on this. There is no charge for this protection at ARC. If you want this protection from a dealer, you will be charged!! This special ends on December 31. Even if you bought your car last month, you can still qualify. We understand that some auto finance companies are requiring that buyers hold onto their loans for 90 days. So, come and see us after 91. We're here to help. 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. * VISA, home equity, first mortgages and LOC loans are excluded from this special. Certain loan guidelines must be met to qualify for any loan. NEW VISA CARD HOLDER INTRODUCTORY RATE Another loan special for this 4th quarter 2008: For any member that opens an ARC Platinum VISA card, an introductory interest rate of 3.9% APR will be applied to all purchases for the first 3 months. It's a great time to get Christmas presents at a discount rate! The rate after 3 months is 11.9% APR. 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 automatice 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 3rd quarter 2008. All savings accounts will receive a .50% APY dividend on account balances up to $7,500. On balances greater than $7,500, a dividend of .75% APY will be paid. The Board has also declared a dividend of 1.5% APY on IRAs for the 4th quarter 2008. 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 activities 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 had an account at Comerica and are disappointed that they are moving to Texas, bring in your account information and we'll help you transfer your account here to ARC Credit Union. 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 Have major home improvement, school tuition, or college expenses? All are good reasons to consider using a home equity loan. Our Home Equity Line of Credit loan is opened with an established limit and you borrow against it as needed. The interest rate is Prime Rate +1, which means that the current rate* for a H/E Line Of Credit loan is 6.0% APR for 4th quarter 2008. However, because we discount the loan for the first 6 months, this means you can get your loan for 4.0% APR for the initial 6 months. This is a variable rate, so call our office for the most current rate. 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. (*Prime rate is 5.0% APR as of 9/30/08.) These rates are subject to change. Call for current rates. Carefree Shopping with a fixed-rate VISA Platinum Credit Card and Get Bonus Points for shopping Our VISA Platinum card has a rate of only 11.9% APR with no annual fees, no transfer fees, no cash advance fees. This is not a variable rate and does not go up and down with Prime rate! Payments are only 3.5% of the balance owing. Call for an application or 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 vaulable 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, please go to their website, www.co-opnetwork.org. 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. 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. Also, there are nationwide Shared Branch Outlets that act as our agents and they can help you get money from your account. Call us for 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. Internet Home Banking Our Internet Home Banking product is up and running. Go to the Home Banking page, click on the link at the bottom and you are on your way. If you have previously signed up for home banking, you will be able to sign on using your old password. You will create a new PIN the first time you login. You need to be signed up before you can access Internet Home Banking. We will continue to offer our audio response product, Touch Tone Teller. MasterCard Debit Cards MasterCard Debit Cards are here. You will need to sign new 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 an ATM withdrawal and you may be charged at month. 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. October 1, 2008
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