Fox Facts Newsletter - August 2023

FoxFacts Newsletter

Celebrate Free Money Day

Checking

What?

A day we pay you free money

When?

At the end of every month

How?

You will earn 5.00% Annual Percentage Yield* on balances up to $5,000

You may receive ATM fees back** up to $15 per month

You may receive your paycheck early***

Learn how at foxcu.org/rewardschecking

*APY=Annual Percentage Yield, accurate as of 7/10/2023. To earn disclosed 5.00% APY, you must meet monthly qualifications and have a balance up to $5,000; the balance portion above $5,000 earns 0.50% APY. The dividend rate and APYs may change at any time. Dividends are calculated and accrued daily based on Fox Rewards Checking balance tier and if Monthly Qualification requirements are met. Monthly Qualification Cycle requirements are: (1) $500 or more direct deposit, automatic payment, or a combination, (2) enroll in Online Banking and elect to receive eStatements with a valid email address, (3) 15 Fox Communities Credit Union (Fox) debit card, Fox credit card or a combination of qualifying purchase transactions that post and settle during Monthly Qualification Cycle. Restrictions apply. If Monthly Qualification Cycle requirements are not met earnings reduce to 0.01% APY on account balance, and domestic debit card ATM fee refunds will not apply. For additional information, contact Fox. Limit of one Fox Rewards Checking per tax-reported owner. Membership required. **Fox will refund up to $15 in domestic debit card ATM fees if Monthly Qualification requirements are met during the Monthly Qualification Cycle. ***Fox will post payroll direct deposits on the day they are received, which may be up to two business days earlier than the scheduled posting date. Other exceptions may apply.

Federally Insured by NCUA.

Forbes Ranks Fox Best Credit Union in Northeastern WI

Forbes has named us Best Credit Union in northeastern Wisconsin and the 3rd Best Credit Union in the entire state - excuse us while we jump for joy! This shows we’re succeeding in living our purpose of helping you and the communities we serve. And we have you, our members and our partnership with you, to thank for this! Read more: foxcu.org/forbes-bestcu

One of the fastest and easiest ways to send money digitally to those you know and trust is by using Zelle®.* Fox now offers Zelle® through our mobile app!

foxcu.org/zelle

A Positive Ending

Once you’ve found your dream home, you don’t want to wait while your lender drags its feet on your mortgage. That’s why our team of mortgage experts gets to work right away, and strives to make your dream home happen within 30 days* of accepted offer. mortgages.foxcu.org/rates.asp

*Loan closing within 30 days is subject to approved loan documentation and receipt of all supporting closing documentation. Loan is subject to program terms and conditions. Membership required.

Stop, Look, and Listen Before You Get Your Loan

I recently received a call from a member looking to refinance the auto loan they had just opened with a dealership. However, they were confused about how much they actually owed on the vehicle. With trade allowance and money down taken into consideration, the member believed they should have been paying around $12,000. But the auto loan payoff was around $17,000, instead.

A er reviewing the paperwork, I realized the price difference was due to several extras that were added while finalizing the deal. The member knew of these extras, and agreed to them, but was not aware of the cost that came with them. Which leads me to my main advice for the month – look, listen, and ask questions. And, as always, call Fox first. We’ll help you set a budget and find the vehicle you want within it.

Mike Pastorelli Auto Buying Expert

mpastorelli@foxcu.org

Our Fraud Expert, Heidi Kiecker, shares a positive ending to a scam incident.

In May, we had a member fall for a PayPal spoofing and refund scam. Thankfully, the member discussed what was going on with their kids, who informed the member it sounded like a scam they had heard about.

Because the member then took quick action by calling us, we were able to freeze their accounts and learn their personal device was compromised. The member was able to get their device cleared and, although not guaranteed, they were also able to get their wired funds reversed back to them.

Please contact us if you feel you’ve fallen victim to fraud. We are here to help you! foxcu.org/how-to-avoid-scams

Bonus Credit Card Points

Free Webinar: Safeguarding Kids’ Identity & Online Privacy

As kids spend more and more time online, it’s important that you’re taking the correct precautions to safeguard their identity. This webinar* will provide tips and information to do just that. Register and join us for either date.

Tuesday, August 8 12:30 - 1:30pm

Thursday,August 17 7:30 - 8:30pm

Planning Your Financial Future

Getting a headstart on school shopping?

Planning a vacation? Whatever your plans, make sure to use your Fox Rewards Credit Card to pay for it.

Spend $1,000 by September 8 and get 3,000 bonus points!*

You can then turn your credit card points into uChoose Rewards® like cash back as statement credit (every 1,000 points is $10 in statement credit), merchandise, gift cards, and more.

foxcu.org/visa-credit-card

*Promotional period July 17 to September 8, 2023. To earn the 3,000 bonus points, you must make $1,000 or more in eligible net purchases with your Fox Communities Credit Union (Fox) credit card during the promotional period. Rewards are earned on eligible net purchases that post and settle during the promotional period. “Net purchases” means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: pending transactions, cash advances, balance transfers, wire transfers, lost, stolen, canceled or fraudulent purchases or fees of any kind, including finance charges, late fees, returned check fees, and ATM, cash advance fees, or fees of any kind. Bonus points will be credited to your account the 10th day of the following month; provided promotional criteria is met. Your account must be open and not in default in order for the points to post to your rewards balance. Limit of one promotional offer per account. Fox reserves the right to end or modify this offer at any time without notice. For additional information visit foxcu.org/visa-credit-card (consumers), and foxcu.org/credit-card-rewards-program for full reward program terms.

Make Your Community Support Go Further!

Fox is matching donations to the Fox Cares Foundation*, up to $25,000, until August 13. Donating today doubles your support to its mission of fighting hunger, ending homelessness, and providing access to arts. Learn more about the Foundation and donate to have your funds matched at foxcares.org

*Fox Cares Foundation, Inc. is a Wisconsin nonprofit corporation with 501(c)(3) status effective June 21, 2016. Fox Cares can make no representation with regard to deductibility of any contribution. Please speak with your tax advisor regarding the tax implications of any charitable contribution to Fox Cares Foundation, Inc. While Fox Communities Credit Union actively supports Fox Cares Foundation, Inc. the entities are neither legal affiliates nor subsidiaries of each other.

foxcu.org/kids-online-privacy-webinar

While not a webinar, we also offer a radio show on this same topic. Tune in to 1150 WHBY on July 10, 11:00 - Noon.

*Webinars are offered exclusively by BALANCE, a California based non-profit organization. Please note that when you register for a BALANCE webinar, you will be directed to a site not operated by Fox Communities Credit Union (Fox). Fox is not responsible for the security or content of the BALANCE site. The presentation is intended for educational purposes only and does not replace independent professional advice. Statements and opinions are those of the presenter individually and not necessarily the opinion or position of Fox. Fox is not an affiliate of BALANCE Financial Fitness.

Back by Popular Demand

Discounted tickets to museums, attractions, and more throughout eastern Wisconsin and beyond are back! Purchase discounted tickets at foxcu.org/discounted-tickets. NOT sold in branches!

Upcoming Balloon Glow Events

Do you have a financial plan that will help you send your kids to college, take the trips you’ve dreamed about, and enjoy your golden years? If not, then you may want to start planning now.

How to start creating your financial plan: Creating a road map of financial goals should include short/long-term, and intermediate goals. While a lot of people think about what they’d like to have at different stages of life, not many have an actual plan to reach those goals.

Connect with Fox Communities Investment Services representatives to start today!

foxcu.org/investments

Important Disclosures

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes, Investing involves risk including possible loss of principal. Fox Communities Credit Union (Fox) provides referrals to financial professionals of LPL Financial LLC (LPL) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more information.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Fox Communities Credit Union and Fox Communities Investment Services are not registered as broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Fox Communities Investment Services and may also be employees of Fox Communities Credit Union. These products and services are being offered through LPL or its affiliates, of which are separate entities from, and not affiliates of Fox Communities Credit Union or Fox Communities Investment Services. Securities and Insurance offered through LPL or its affiliates are:

NOT INSURED BY NCUA OR ANY OTHER GOVERNMENT AGENCY

NOT CREDIT UNION GUARANTEED

NOT CREDIT UNION DEPOSITS OR OBLIGATIONS

MAY LOSE VALUE

The LPL Financial registered representatives associated with foxcu.org/ investments) may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Darboy Flight Night

Wednesday, August 9

Seymour Hot Air Balloon Festival

Friday, August 11 & Saturday, August 12

Lakeshore Balloon Glow

Friday, August 18

Green Bay igNight Market

Saturday, August 19

foxcu.org/calendar