Health Care Credit Union Newsletter

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Worth Changing Lanes For Did your vehicle loan take a detour and end up with a high rate from another lender? Then it’s time to change lanes and drive it to HealthShare Credit Union. Refinance your current car loan with us that you financed elsewhere and save up to 2% off your current rate! *Annual Percentage Rate – Subject to credit union lending guidelines. Actual rate and term may vary depending on credit worthiness. The floor rate for this offer is as low as 1.90 % APR. Copy of current contract must be provided to verify existing loan rate and term.

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ake advantage of these benefits: T • Rates as low as 1.90% APR*!

• Lower your monthly car payment • Keep more money in your wallet Buckle up for this great deal available only from July 15 – September 30, 2016. To apply, complete a loan application online at www.healthsharecu.org, call us at 336-832-8206 or stop by any of our branch locations.

Recharge Your Batteries with Our Summer Vacation Loan

Kick back, relax and regroup with our Vacation Loan available from July 15th through August 15th. Apply online, by phone or in personwhichever is more convenient for you.

Whether it’s a road trip, plane ride or cruise … you deserve a break. Getaway with a little help from a HealthShare Credit Union Vacation Loan.

*Annual Percentage Rate. Subject to credit union lending guidelines. Rates subject to change and determined by individual credit worthiness. Rates good through 9/30/16.

Discover the Ease of our Efficient and Economical Services Online Banking

Make your day that much easier with free online banking from your computer. Handle all of your banking errands including loan payments, transferring funds between accounts and setting up recurring bill payments. Our secure system is available 24/7.

Mobile Banking

Keep up with your money wherever you go with just a few taps. Simply download our free app onto your smart phone and transfer funds, make payments and more without visiting a branch.

eDeposits

Deposit checks without driving to a branch or mailing them. It’s as simple as taking a picture of the front and back of your checks with your smartphone. Make your deposits any time of the day or night, even on the weekend.

eStatements

Go green with free eStatements and choose to receive your statements electronically instead of in your mail box. See monthly statements, past and present, neatly organized in one place over a protected connection, so there’s no more clutter left on the counter and your personal information is safe and secure. Help keep our communities, and your home, clean and green.

Starting Your TEEN on the Path to Good Credit Helping teens become financially independent and confident in their money management skills is a goal for many parents. It takes years to establish a good credit rating and we need to educate our emerging adults about credit so that they may avoid the pitfalls of a bad credit rating.

One effective and practical opportunity to teach teens about credit may be to help them secure a credit card with a low spending limit. This can help them to establish good credit practices and understand the advantages that come with responsible money management. Encourage them to use the card for small purchases and to pay off the card every month to build good habits and start them on the path to a solid rating.

Holiday Closings Independence Day Monday, July 4, 2016

Labor Day

Monday, September 5, 2016

Parents should also be willing to be open with their kids about their own credit mistakes and help your teens to understand your advice comes from personal experience, including the penalties or financial setbacks that you had to overcome yourself.

Helping to improve your teen’s financial literacy and understanding of credit will start them down the right path and help them to effectively manage their money as adults.

CO-OP Shared Branches To provide greater financial convenience, you can use the CO-OP Shared Branch network to make your routine credit union transactions whether you are traveling across town or across country. With over 5,000 branches throughout the nation, you’ll never have to worry about being far away from HealthShare Credit Union. Go to www.healthsharecu.org and click the CO-OP Shared Branch logo.

Do We Have Your Correct Address?

Did you move and forget to give us your new address? Better let us know right away.

Effective July 1, 2016, a $5.00 monthly fee will be assessed if we have an incorrect address on file for you.

So, if you’re planning a move, or have already relocated, notify us immediately. Not only will you avoid a Bad Address fee, but you’ll be assured of receiving your credit union information and statements timely.

Moses Cone Hospital Monday - Friday 7:15 a.m. - 4:45 p.m.

Wesley Long Hospital Monday - Friday 7:30 a.m. - 11:30 a.m.

12:30 p.m. - 3:30 p.m.

Women’s Hospital Monday - Friday 10:30 a.m. - 12:30 p.m. and 1:30 p.m. - 3:00 p.m.

Alamance Regional Medical Center Monday - Friday 7:30 a.m. - 3:30 p.m.

Phone: 336-832-8119 Fax: 336-832-8129 Mailing Address: 1200 North Elm Street Greensboro, NC 27401 Website: www.healthsharecu.org 24/7 Audio: 336-832-2895 24-Hour Lost/Stolen Credit Card: 800-322-8472 24-Hour Lost/Stolen Debit Card: 800-523-4175 Change PIN/Activate Debit Card: 866-985-2273 Comments/Questions/Concerns?

Please email Genice DeCorte, CEO directly at genice.decorte@conehealth.com

Federally insured

by NCUA