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 foxcu.org/zelle

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!

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