Fox Facts Newsletter - March 2022

FoxFacts Newsletter March 2022 Interest rates will be rising soon, so take advantage of a Fox loan now and get automatically entered to win $10,000 If you’ve got a remodeling project that needs funding, car repairs that need attention, or a dream vacation you’ve been putting off for too to Fox and let us help you make life happen Helping youlong, make come life happen with a Fox and an automatic with a loan low-interest loan and the chance to win $10,000! chance to win big!

That’s right, everyone who applies for a Fox loan or credit card by March 31,to and who has their loan closed by April 16, will be Ask us how enter WinWithFox.com automatically entered into a drawing to possibly win $10,000.

Six finalists will be chosen for the drawing after April 16, 2022, Offer ends Thursday, March 21, with2022 one taking home $10,000 and the others winning $500 each. All new personal, commercial, and mortgage loans qualify.

Why you need to know your full 12-digit account number When you are looking to set up direct deposit into your account or set up withdrawals out of your account to another merchant, you will need to provide your full 12-digit account number.

Failure to provide all 12 digits may cause your deposit or withdrawal to be delayed or rejected.

Call 920-993-9000, stop at any Fox location, or visit WinWithFox.com to learn more and get started!

You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.

NO PURCHASE NECESSARY. You are not required to obtain a Fox Communities Credit Union (“Fox”) membership, product, or service to enter. For automatic entries for obtaining a Fox eligible loan product, the loan application must be submitted by March 31, 2022, and the loan closed by April 16, 2022. The alternative entry method is to manually complete an entry form at any Fox branch. Only one entry per person is allowed regardless of the entry method. All entries are subject to the contest rules that include eligibility requirements. The official rules of the $10,000 Cash Giveaway Loan Promotion are available by visiting WinWithFox.com or your local Fox branch.

Federally Insured by NCUA.

NO PURCHASE NECESSARY

Special Home Equity Line of Credit (HELOC) offer through March 2.99% APR for 24 months 3.25%-5.75% variable rate thereafter You work hard to take care of your house, so why not let it repay you for all your hard work by helping you make your dreams come true? Whether you’re looking to consolidate high-interest debt or college loans, treat yourself to a vacation, upgrade or repair your vehicle, or just prepare for the unexpected, a HELOC could be the perfect financial tool for you.

Home equity lines of credit are much like credit cards, meaning you can borrow money up to a certain credit limit and then pay back the borrowed funds along with interest. Use what you need, and once funds are paid back, money is available for you to use again. You are essentially borrowing against your home’s equity and using the home itself as collateral. With the help of our Digital Banking features, it’s easy to access your HELOC funds. Simply transfer money from your HELOC to your checking account. And if you act before the end of March, you can take advantage of our promotional 2.99% APR* for 24 months, with 3.25%-5.75% APR* variable rate thereafter.

Take advantage of your home’s equity to: • Establish a credit line of up to 90% of your home’s equity.

• Use what you need, and once funds are paid back, money is available for you to use again.

• Take advantage of a loan that may be tax deductible.

Apply at foxcu.org or call 920-993-9000 today to put your homes’ equity to work for you. *Offer expires 3/31/2022. APR=Annual Percentage Rate. 2.99% APR is an introductory fixed rate for the first 24-months from loan open date on new advances for qualified HELOC borrowers and are subject to credit approval. Rate after 24 months from the open date will be based on the Wall Street Journal Prime Rate plus a margin stated in your original home equity line of credit terms agreement with a floor rate of 2.50% APR. Maximum APR is 18%. No charges accrue until funds are advanced. Maximum loan-to-value of up to 90%. Available draw period for advances is during the first 15 years. Appraisal may be required if fair market value does not support loan request. Member is responsible for appraisal cost ranging from $475 to $650, if required. Must be primary residence, and property insurance is required. This promotional rate applies to new HELOCs only. For current HELOCs to qualify for the promotion, the existing HELOC will have to be refinanced with a credit limit increase of at least $5,000, subject to credit approval. Consult a tax advisor regarding deductibility of interest and fees. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral requirements. Fox Communities Credit Union reserves the right to end this promotion at any time. Loans are subject to final credit approval. Membership eligibility required. Not valid with other offers, cannot be duplicated, transferred, or paired with another offer for the same product.

Federally Insured by NCUA.

Save the date: Annual shred and recycling Has spring cleaning left you with a pile of papers that need to be shredded? Do you have appliances and other electronics that need recycling? Then make sure you join us for one of our shred and recycling events throughout the Fox Valley and Northeast Wisconsin this summer.

We’ll shred your paper free of charge, and we’ll recycle many of your electronics for free, as well.

There will be fees for some recycling, however, including items containing Freon, refrigerators, freezers, monitors, and TVs. Learn more about these events and more in our Events Calendar: foxcu.org/calendar.

Our shred & recycling events will take place: • Lakeshore | May 21 from 9:00am-1:00pm J.E. Hamilton Community House parking lot 1520 17th Street, Two Rivers • Oshkosh | June 4 from 8:00am-11:00am Oshkosh Corporation parking lot 1917 Four Wheel Drive • Appleton | June 11 from 8:00am-12:00pm Timber Rattler parking lot 2400 N Casaloma Drive • Green Bay | June 18 from 8:00am-11:00am Resch Center parking lot 820 Armed Forces Drive

When in doubt, get it towed A lot of unexpected and unwelcome things can happen while you’re out on the road.

A tire can pop. Your heat or AC can stop working. Your odometer can hit the mileage mark of your next oil change. Thankfully, it’s easy to diagnose what’s wrong when something like that happens. But what about when your check engine light comes on?

What should you do then? Unfortunately, there are thousands of reasons why a check engine light may pop on. It could be minor, or it could be major, and without a diagnostic computer, there’s really no way of knowing.

In fact, there’s only one thing you can know for sure – if your check engine light is flashing, you should pull over as soon as it’s safe to do so, turn off your engine, and call for a tow. Do not try to drive to your preferred auto shop.

And, yes, tow trucks can be expensive. But if your check engine light is flashing because of something serious, continuing to drive can lead to even more extensive damage, which will then turn into an even bigger bill when all is said and done. And, as we all know, high-cost vehicle repairs don’t always make financial sense. If that is the case, you’ll want to get in touch with us here at Fox to check out our Auto Buying Services and Reliable Rides Auto Loans. Learn more at foxcu.org.

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

2021-2022 Fox Scholarships We will be awarding five $1,000 scholarships to high school seniors who are Fox members and will be attending post-secondary education. Applications are due April 1.

Apply at foxcu.org/scholarships.

Fox Communities Credit Union (Fox) will award five scholarships, $1,000 each, to high school seniors who are members of Fox. Fox must receive completed application and essay no later than Friday, April 1, 2022. Applications must be submitted online. Paper applications will not be accepted. Fox is not responsible for lost or misdirected scholarship applications. All submitted applications will be reviewed for compliance with application requirements.

The essay will be judged on creativity, originality and content by the Scholarship Selection Committee. Odds of being awarded depend on the number of entries received. Award recipients will be notified by email. Prize will be awarded on or before Friday, May 27, 2022. Fox team members, directors, committee members, and their immediate families are not eligible for a Fox scholarship. Visit foxcu.org/scholarships for complete details.

Visit Us: foxcu.org/locations

Third cooperative principle: Member’s economic participation We’ve been talking about the eight cooperative principles that make organizations like credit unions great. This month, we’re discussing the third principle: Member’s Economic Participation. This principle not only requires that the members of our credit union contribute financially in an equitable way, it also tasks the credit union with fairly distributing any profits earned with those proceeds. It prevents the organization from giving those funds to a small group of investors or shareholders.Every member contributes to Fox’s success, and the more products and services you take advantage of, the more you reap the benefits of those profits in the form of lower interest rates, more accessible loans, and better technologies. We are also able to give back to local non-profits or sponsor fun local events when approved by the board that you elect! Simply put, this principle is saying that we are pooling our money not to fill the pockets of a few, but to better the lives of us all.

Federally Insured by NCUA.

Help us, help you take control of your debt!

Fox wants to be your lifeline to help you not only take control of your debt, but to consolidate it to one monthly payment so you can breathe easy, pay it off, and get on with the rest of your life.

A Fox member debt consolidation success story: All this isn’t just a pipe dream, either – it’s something that happens regularly here at Fox. In fact, there’s a Fox member story that is routinely told around the Fox branches about a woman who came in overwhelmed by all her monthly payments. She had multiple loans, in addition to outstanding funeral costs and other debt-related items, and had reached the point where she couldn’t afford all her monthly payments anymore. Worried about what the future had in store for her, she sought help from the friendly Fox team members she had grown so close to over the years. Working together, they were able to do a home refinance that wrapped up her car loan, those funeral costs, and her other debt-related items and consolidated it all into a single monthly payment that was lower than what she had been paying. And with a lower interest rate, she could finally see the light at the end of her debt tunnel. Life was a little brighter for her from then on – and the same could be said for you if you contact our Fox team today.

Learn more about debt consolidation options at foxcu.org, by calling 920-993-9000 or visiting any Fox location.

Loans subject to credit approval and qualification, membership eligibility required.

Attend a BALANCE webinar for a chance to win $1,000

Fox Fraud Department: Avoiding tech support scams

BALANCE webinars in March and April count for entry. Visit foxcu.org/calendar to sign up for the webinar, Solving the Mystery of Credit Reports.

• Legitimate tech companies won’t contact you by phone, email, or text to tell you there’s a issue with your computer.

• March 8 from 12:30pm-1:30pm

• Security pop-up warnings from real tech companies will never ask you to call them.

• March 17 from 7:30pm-8:30pm Webinar to Win sweepstakes is being offered exclusively by BALANCE, a California based non-profit organization. See “Official Sweepstakes Rules” for contest details.

Presentations are intended for educational purposes only and do not replace independent professional advice. Statements/opinions are of the presenter individually and not necessarily the opinion or position of Fox Communities Credit Union (Fox). Fox is not an affiliate of BALANCE. Third-party site security and content are not operated or under the control of Fox, and Fox doesn’t represent those who enter into a transaction.

Find Us: instagram.com/foxccu/

Call Us: 920-993-9000

If you think there’s an issue with your computer: • Update your security software and run a scan.

• Go to someone you know/trust. Many stores and companies that sell computers offer tech support.