The
Spring 2016
Unlocking Equity: What’s the Right Key for You?
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s a homeowner, you can tap into the value built up in your home as a smart way to manage your finances with a home equity loan or home equity line of credit. It’s a great way to finance a wide variety of needs and interest paid on these loans may even be tax deductible (consult your tax advisor for details).
Home Equity Loan When you need money for a specific purpose such as making home improvements, purchasing a big-ticket item or consolidating debt into one easy payment, a home equity loan may be your best solution featuring: • Low, fixed interest rate for the life of the loan • Predictable monthly payments • Simplified budgeting and planning
Home Equity Line of Credit Enjoy a flexible source of cash with a lower interest rate than credit cards or other loans. Take off on that well-deserved vacation, pay college tuition, handle unexpected expenses, you can access your home equity line of credit anytime you want. Whether you choose to use a home equity loan to borrow a specific amount, or a line of credit for access to funds whenever you need them, we’ll soon be offering low cost home equity loan programs sure to meet your needs…coming soon.
$500 Summer Fun Loan NO CREDIT CHECK REQUIRED!
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reat yourself to a well-deserved getaway with our $500 Summer Fun loan. Available during the month of May, we’ll be offering this special loan that requires no credit check when you apply*! Whether it’s white water rafting, mountain climbing or just relaxing at the beach, $500 can help you make some summer fun memories. Watch for it in May. *Some eligibility restrictions apply.
Message from the CEO
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dentity theft is growing rampant throughout the United States. From Federal Agencies to retail stores, no one is immune. The same holds true right here in South Florida. Every day fraud occurs, compromising the safety of data. Your credit union utilizes the latest technology and has measures in place to protect your financial information and accounts. And while we are watching out for you, it’s just as important that you take measures to protect yourself from fraud too. Here are a few tips on how to minimize the risk of ID theft: • Review your credit reports annually • Shred confidential documents • Use strong, unique passwords • Review all account statements promptly • Install anti-virus and antimalware software on your computer • Don’t provide personal information by phone or Internet unless you initiated the transaction A little precaution can go a long way. Be on the lookout for a new Identity Theft product we will soon be introducing. George Glasser CEO
Simply better banking
Locations
Hit the Road with a Car Loan that Gets You MOVING
Memorial Regional Hospital 3501 Johnson Street Hollywood, FL 33021
Same Incredibly low rates for new, used, refinances too!
Rates as low as 1.75% APR* Rates won’t last long. Get on the road now. Apply today. Call us at 954.844.7561 or complete a loan application online at www.mefcu.org.
*Annual percentage rate subject to credit union guidelines. Refinance offer only valid for loans not currently financed with the credit union.
Skip the Checks. Skip the “Snail” Mail.
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peed up and simplify paying your bills with a click of your computer mouse using our FREE online bill pay service. No checks to write. No stamps to buy. No wait for the mail. No hassles. • Have recurring expenses – like your mortgage, insurance, utilities – paid automatically on the day you choose • Even send a one-time check to a friend, relative or merchant – rest assured your bills will be paid on time • The amount of your bill payment is conveniently deducted from your credit union checking account – all transactions appear on your monthly statement.
Monday Tuesday Wednesday Thursday Friday
7:00 am – 4:00 pm 8:30 am – 4:00 pm 8:30 am – 4:00 pm 7:00 am – 6:00 pm 7:00 am – 4:00 pm
Memorial Hospital Miramar 1951 SW 172 Avenue Miramar, FL 33029 Monday Thursday Friday
7:00 am – 3:00 pm (closed 11:30 am – 12:15 pm) 7:00 am – 6:00 pm (closed 11:30 am – 12:15 pm) 7:00 am – 4:00 pm (closed 11:30 am – 12:15 pm)
Memorial Hospital Pembroke 7800 Sheridan Street Pembroke Pines, FL 33024 Monday Wednesday Friday
7:00 am – 4:00 pm (closed 11:30 am – 12:15 pm) 9:30 am – 4:00 pm (closed 11:30 am – 12:15 pm) 7:00 am – 4:00 pm (closed 11:30 am – 12:15 pm)
Memorial Hospital West 703 N. Flamingo Road Pembroke Pines, FL 33028
Skip through paying bills and sign up for free online bill pay today at www.mefcu.org.
Traveling Abroad?
Memorial Regional Hospital South 3600 Washington Street Hollywood, FL 33021 Monday Wednesday Friday
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nternational credit card and debit card fraud is on the rise. Before you travel outside the U.S., make sure you notify us of your plans. Otherwise, if a foreign charge appears on your card, an immediate hold may be placed on your card. As your credit union, we are committed to protecting the assets of our members.
Holiday Closings
Monday Tuesday Wednesday Thursday Friday
7:00 am – 4:00 pm 8:30 am – 4:00 pm 8:30 am – 4:00 pm 7:00 am – 6:00 pm 7:00 am – 4:00 pm
7:00 am – 11:00 am 9:30 am – 6:00 pm (closed 11:30 am – 12:15 pm) 7:00 am – 4:00 pm (closed 11:30 am – 12:15 pm)
Support Services 2900 Corporate Way Miramar, FL 33025 Monday Thursday
Memorial Day Independence Day Monday, May 30, 2016 Monday, July 4, 2016
8:30 am – 4:00 pm (closed 11:30 am – 12:15 pm) 8:30 am – 4:00 pm (closed 11:30 am – 12:15 pm)
Bank-by-Phone 800.544.0943
Federally insured by NCUA
Convenient, cash smart, comprehensive and community based
www.mefcu.org
12008-NL-0416