Fox Facts Newsletter - June 2022

FoxFacts Newsletter June 2022 It’s about time for the summer project season...get approved and receive up to $40,000 the same day you apply The sun is shining. The birds are chirping. And the projects, plans, and fun that you’ve been putting off for too long are calling. Isn’t it about time you answered? With an unsecured “It’s About Time” homeowners’ loan, you can be approved and receive up to $40,000 the same day you apply, with rates as low as a 6.90% APR*, terms up to 10 years with low fixed monthly payments, and no fees or closing costs. And you don’t have to touch your home’s equity, making the “It’s About Time” homeowners’ loan a great option when you need money fast.

Visit foxcu.org/abouttimeloan to learn more and apply. *APR=Annual Percentage Rate. Valid on minimum $5,000 new money, with a max loan amount of $40,000. Estimated monthly payment for $20,000 borrowed at 6.90% APR for 84 months is $300.88. Loan is subject to credit approval, income verification and proof of ownership in primary owner-occupied residence. Rates, terms, and conditions are subject to change at any time without notice and may vary based on creditworthiness and loan term. Applicants typically receive approved funds within the same or one business day. Membership required.

Also available to non-homeowners, but rates and available loan amounts may vary.

Federally Insured by NCUA.

Our credit card will soon see great reward improvements If you have a Fox Credit Card, then you’re going to want to mark June 27 on your calendar because that’s when our new UChoose Rewards program kicks off. Replacing our ScoreCard Rewards program, the UChoose Rewards program will have an expanded list of redemption options, including a cash-back option and event tickets. The change in our rewards program will not affect your Fox Visa credit card number, and you will not receive a new credit card.

There will be no impact to your accrued reward points through the ScoreCard Rewards program; all remaining reward points will be transferred to the new UChoose Rewards program. You will continue to earn 1 point per $1.

Please call our friendly Fox team at 920-993-9000 with any questions. Interested, but don’t have a Fox credit card? Apply at foxcu.org/visa-credit-card.

Reward points will be unavailable for redemption from June 27 through July 5, 2022 during our transition period, however, points will continue to accrue during this period. UChoose Rewards is a registered trademark of Fiserv Solutions, Inc.

Make the payment process for streaming and subscription services easier with our new Digital Banking feature, CardSwap How many things do you pay for online? Think about it for a second – streaming services, bills, groceries, presents...probably easier to answer the question of what you don’t pay for online.

So, what happens when the card you use for all that expires, gets lost or stolen, or you want to add your Fox Rewards Credit Card to pay for your services? You sit there and change each and every one individually, right? Not anymore! Thanks to CardSwap, you can now update your Fox card information for everything at once.

Board Members elected at our Annual Meeting The recent Fox Communities Credit Union Annual Meeting was held on May 2. During that meeting, our annual Board of Directors election was held. Congratulations to Krista Draheim, Jessica Fleek, and Rich Scott each earning a three-year term on the Board.

For more information on the Fox Board of Directors, visit foxcu.org/board-of-directors.

Oshkosh Brat FryDays We’re teaming up with local non-profits throughout June to continue celebrating the opening of our new location in Oshkosh at 1870 Oshkosh Avenue. This location will be hosting Brat FryDays every Friday in June, with a different nonprofit taking over the grill each Friday. Learn more at foxcu.org/event/brat-fry-days.

The lobby of our newest branch is open Monday through Friday from 9 am to 5pm and Saturday from 9 am to noon, while the drive-up is open Monday through Friday from 8am to 5:30pm and Saturday from 9am to noon.

The following nonprofits will be working the grill and will receive all profits.

June 3 Fox Cares Foundation June 10 Habitat for Humanity of Oshkosh June 17 Big Brothers/Big Sisters of East Central Wisconsin June 24 Day by Day Warming Shelter

Simply log into our Digital Banking, select Services, then CardSwap. From there, pick the services you want to update, input your Fox card info, and provide the logins for the services you’re updating, then CardSwap does the rest.

Digital Banking is free, please note your mobile carrier may have web access charges.

Federally Insured by NCUA.

Federally Insured by NCUA.

Free BALANCE financial services We’re proud to have teamed up with our friends at BALANCE to provide Fox members with free financial counseling services and other free financial literacy tools. Whatever your financial situation may be, BALANCE has a financial coach who can help – and help for free.

No matter what financial obstacles you’ve got standing in your way, all you need to do is call 888-456-2227 to get the help you need. In addition to the free BALANCE financial counseling coaches, Fox members also get access to numerous other free BALANCE financial services at foxcu.org/balance-financial-fitness.

Join our upcoming free BALANCE webinar “Repaying Student Loans”

Coaching Webinars Online tools

June 14 June 23

12:30pm - 1:30pm 7:30pm - 8:30pm

Register for the webinar at foxcu.org/calendar or if you’d rather, listen to our radio show version on WHBY June 13 from 11:00am to noon.

The tools and presentations are brought to you by BALANCE Financial Fitness and are intended for educational purposes only and do not replace independent professional advice. Statements and opinions are those of the presenter and not necessarily the opinion or position of Fox Communities Credit Union (Fox). Fox is not an affiliate of BALANCE Financial Fitness. Consult a licensed professional for financial planning and investment advice. Fox Communities Credit Union deposit products are Federally Insured by NCUA.

Our auto-buying expert: Cheaper doesn’t mean a better deal What exactly does a good deal look like when shopping for a vehicle these days? Everyone’s looking for the best deal, but what does that mean? It means something different to everyone, but I’ll tell you what it shouldn’t mean to anyone buying – finding the cheapest price tag around without considering anything else. That’s because it all comes down to what the dealer did to prepare the car for sale. Sometimes there’s a good reason a vehicle at another dealer is $1,000 more for what’s basically the same make/model/year, and around the same miles. If the price is that different, then they’re far from the same. The vehicles may have different histories, they may have been set up differently by their respective dealers, etc. For example, I recently had a scenario where a member initially “saved” money on an auto purchase, but now, a mere four months later, is spending another $1,900 on repairs.

So, what’s the best way to avoid this? Ask questions. Push for information on everything that has been done to the vehicle before they put it on the lot. Furthermore, check the tires to make sure they’re still good, and if you have a mechanic you trust, bring them along to help.

Mike Pastorelli, Fox’s Auto Buying Specialist 920-993-3508 mpastorelli@foxcu.org

Fox fraud department: Avoid charity scams with these tips There’s a lot of strife in our world, which means there are many who need the help of those who are more fortunate. But with so many charity and non-profit organizations asking for donations, how can you tell if it’s a legitimate organization?

Before you open your heart and wallet to help the people and the causes you believe in, take these steps to ensure they are legitimate: • Research the name of the organization/cause by searching the name online combined with terms like review, scam, or complaint.

• Find out if the charity/fundraiser is registered in the state, as this can be a good indicator that it’s a legitimate charity.

• Before giving, ask for more information about the organization/charity, including contact information you can try before donating.

• If you wish to make a donation, either contact the organization directly or go through a local charitable organization in your community.

If you’d like an example of a local charity, check out the Fox Cares Foundation*at foxcares.org. *Fox Cares Foundation, Inc. is a WI nonprofit corporation with a 501(c)(3) status effective June 21, 2016. While Fox Communities Credit Union actively supports Fox Cares Foundation, Inc. the entities are neither legal affiliates nor subsidiaries of each other. 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.

The lucky winner of $10,000 Congratulations to Laura (winner of $10,000) and the five other qualifiers (winners of $500)!

We know you’ve got some fun plans in the works. Thank you to all who participated in our $10,000 giveaway, it was a lot of fun!

Sixth Cooperative Principle: Cooperation Among Cooperatives When we work together to benefit our members and the communities we are part of, we all come out ahead. In the case of credit unions, we’re all part of the Credit Union League, and share ideas with each other and help each other continue to grow and improve. You’ll never see a buyout, only partnerships. This cooperation is why you’ll see credit unions co-sponsoring events, or volunteering at the same non-profits. We’re not afraid to share the spotlight with another credit union if it means furthering the credit union cause and making a difference for our members.

Federally Insured by NCUA.

Visit Us: foxcu.org/locations

Find Us: instagram.com/foxccu/

Call Us: 920-993-9000

Pictured above: CEO/President Chris Allen and $10,000 winner, Laura.