FALL 2 0 16
P U BL IS H E D F O R M E M BER S O F MIA MI FIR E FIG H T ER S F E DER A L CR E DIT U NIO N
If it’s time to upgrade your ride, or you need to add a vehicle to accommodate your growing family, we want to help with your next purchase. With our low rate financing, you’ll have a payment that works.
NEW CARS
USED CARS
Rates as low as 1.99% APR* 60 months
Rates as low as 2.24% APR* 60 months
With our low car loan rates, there has never been a better time to make a deal that puts you behind the wheel of your new car. *Annual Percentage Rate. Subject to credit union lending guidelines. As low as rate includes discounts for: deluxe members (.25%), Direct Deposit or automatic payments (.50%) and 10% down payment (.25%). Payment example based on a $20,000 loan: A 60-month loan at 1.99% APR would have monthly payments of $350.48. A 60-month loan at 2.24% APR would have monthly payments of $352.68.
Extended Warranty Programs That Go the Distance Automobiles are complex machines so, when something breaks down, that can mean a costly repair that creates significant financial stress. To avoid the high cost of car repairs, check out our Extended Warranty programs, that you can purchase through the credit union at substantially lower costs than you would pay at the dealership. • Classic Guard: basic powertrain (engine) plus coverage • Preferred Guard covers the Classic Guard coverages plus enhanced engine, transmission electrical and brakes • Ultimate Guard: extends coverage that lets you know that if anything on your vehicle breaks or wears out, you’re covered Extended Warranty also covers roadside assistance, paintless dent repair, windshield repair and rental car allowances. For a free quote, visit us at www.mffcu.org/auto loans then click extended warranty. * Extended Warranty and GAP Coverage is provided to members through other independent companies for the benefit of Miami Firefighters FCU members. These products are not federally insured, are not obligations of the Credit Union, and are not guaranteed by the Credit Union or any affiliated entity.
Cover the Gap, Enjoy the Advantage We want to help lower the overall cost of vehicle ownership for our members and provide insurance that reduces the risks for any losses which can occur due to accidents or theft. That’s why we now offer Auto Advantage Program coverage; an added benefit when you purchase a GAP insurance policy. The primary benefit of the Auto Advantage Program is Auto Deductible Reimbursement (ADR). When you finance your next new or used car with Miami Firefighters FCU and you purchase a GAP policy, ADR will reimburse your auto deductible up to $1,000* per loss/ claim one time per year for 3 years after enrollment on any auto you own and insure in your name. For the low price of $350, you get GAP Coverage for the life of the loan. This protects you in the event of theft or total loss of your vehicle by paying the difference between the cash value of the vehicle and your remaining loan balance and ADR coverage for 3 years. We highly recommend you purchase GAP with the Auto Advantage Program to protect your equity in the event of a total loss or your auto is stolen and not recovered. To learn more, call us today. *Claim must be at least equal to the deductible amount.
Annual Meeting Date Set All members are invited to attend the credit union’s 80th Annual Meeting. THURSDAY,
OCTOBER
2016 • 4PM
27
TH
THESE DEALS WILL PUT YOU IN NEW WHEELS
MAIN OFFICE
1111 NW 7th Street Miami FL 33136
CardValet
Join the Network and Save
Offers Security That Never Sleeps If the rise of identity theft and fraud is preventing you from enjoying the convenience of never carrying cash, then CardValet may be the app you’ve been waiting for. Giving you access to monitor all activity on your account via real time alerts, CardValet gives you the power to turn off your debit card when not in use. You can set spending limits, decline unauthorized purchases and even limit the geographic radius where your card will work based on the GPS locator on your mobile device. Here’s the best part – you can download the app for FREE and actively manage your account and debit card activity immediately. Use CardValet to protect your Miami Firefighters FCU accounts and enjoy an added level of monitoring and security on your accounts that never sleeps.
Make Every Transaction Personal When it comes to preventing risk to your financial well-being, Miami Firefighters FCU wants you to take it personally. The opportunity to prevent unauthorized purchases is in your hand by using your Personal Identification Number (PIN) whenever you pay by debit. Your individual PIN was created to ensure that you, and only you, have access to your accounts using your debit card. Entering your unique code every time you use your card confirms that you have authorized each purchase that appears on your monthly statement. Avoid the embarrassment and inconvenience of a purchase being declined due to a false fraud alert when you shop at a location not recognized in your purchase history or while on vacation. Your PIN makes every transaction personal, and when it comes to the security of your money, does it get any more personal than that? You can select your own PIN by calling 1.800.757.9848.
There are two ways to save with Sprint: Members • Get a 10% discount on select regularly priced Sprint monthly data service • Valid in conjunction with other credit union and Sprint National handset and other promotions • Mention Corporate ID: NACUC_ZZM Credit Union Member Verification Verification is easy and only takes a few minutes to complete. There are four ways to verify our credit union membership: 1. Free Love My Credit Union Rewards app for Android and/or iPhone. • iPhone users find it at the Apple App Store. • Android users find the app in Google Play. • Search for “Love My Credit Union Rewards.” • You will be prompted to black out all confidential information within the app. 2. Fill out and fax the Sprint Verification Form (http://www.lovemycreditunion.org/sprint) and supporting documents to the Sprint Corporate Accounts: 913.523.1987 or toll free: 877.687.8211. 3. Visit www.Sprint.com/verify from a mobile device.
MIAMI FIREFIGHTERS FCU 80TH ANNIVERSARY CELEBRATION
4. Sign up for Sprint’s AutoPay using your credit union checking account or credit union debit/credit card: http://www.sprint.com/.
Friday, October 14th - Golf at Don Shula’s hosted by the Benevolent Saturday, October 15th - MFFCU Red White and Black 80th Anniversary Cocktails, Dinner and Dancing at Don Shula’s Hotel at 6 pm. Tickets are $35 per person (Hotel rates: $109 with breakfast or $120, with breakfast for a couple) Sunday, October 16th - Union BBQ at Noon at the Benevolent Hall
DID YOU KNOW...?
Tired of all the dropped calls, slow speeds, and pricey monthly bills? Make all of those a thing of the past with the Sprint Credit Union Member Discount. Credit union members can save each year on their monthly data service – all while enjoying Sprint’s fast, reliable, 4G LTE network.
?
Start getting clearer calls, fewer dropped call, and a faster network today with Sprint. Visit LoveMyCreditUnion.org/Sprint to learn more and to start saving with the Sprint Credit Union Member Discount.
… Avoid a trip to the credit union to sign documents. With e-signatures, most documents can be signed online. … Visa gift cards are available for $4 each and free to Deluxe members.
… You no longer need to use Bill Pay to pay your Miami Firefighters FCU credit card. Easily transfer your payment online or setup for automatic payments.
COLUMBUS DAY MONDAY, OCTOBER 10, 2016 VETERAN’S DAY FRIDAY, NOVEMBER 11, 2016 THANKSGIVING THURSDAY, NOVEMBER 24, 2016
HOLIDAY CLOSINGS
FRIDAY, NOVEMBER 25, 2016 CHRISTMAS MONDAY, DECEMBER 26, 2016 NEW YEAR’S MONDAY, JANUARY 2, 2017
www.mffcu.org 305-324-4004 1-800-426-3324 Fax 305-324-7585 1111 N.W. 7th Street Miami, FL 33136 Federally Insured by the National Credit Union Administration
12779-FALL-0916