FoxFacts Newsletter
March 2023
It’s About Time Homeowners’ Loan! Get up to $40,000 in one day or less!
Whether you’re looking at adding another bedroom or remodeling, a fun big-ticket toy like a new boat for the summer, or you just want to consolidate your debt so you can start thinking about those other things, the unsecured It’s About Time Homeowners’ Loan* can help. See how at foxcu.org/abouttimeloan.
*Valid on
More money back to you with our share certificate special
4.50%APY*
for 10 months and $5,000+ deposit
Visit foxcu.org/certificatespecial for details and to open your certificate today!
*APY = Annual Percentage Yield and special may end at any time, without prior notice. Share certificates require $5,000 minimum deposit. New money reqired unless current Fox Communities Credit Union (Fox) member with an active Fox checking (4 transactions per month). Dividends accrue daily. Early withdrawal penalties apply. Membership eligibility required. Contact a Fox team member for additional information on applicable fees and terms.
For too long when discussing ‘rates,’ loans have seemed to be the main focus. But what about dividend rates that you earn with deposit accounts?
Fox Rewards Checking pays you
5.00%APY*
When you have a Fox Rewards Checking, check out our Fox Rewards Money Market and discover our highest Money Market rate! Fox Rewards Money Market pays you
Visit foxcu.org/foxrewards to learn more.
without notice. Limit of one Fox Rewards Checking account per tax reported owner. Membership Required. **APY accurate as of 3/1/2023. Fox Rewards Money Market account is a tiered rate account, balances under $14,999.99 earn .10% APY; balances over $15,000 earn 2.50% APY. To obtain the higher APY on the Fox Rewards Money Market account you must maintain an average daily balance of $15,000 or more; (a) consent and receive your periodic statement electronically with a valid email address on file with Fox; (b) have a Fox Rewards Checking account with same ownership type as this account; and (c) meet all monthly earning requirements of the Fox Rewards Checking account.
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 an 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 Auto Buying Specialist 920-993-3508 mpastorelli@foxcu.org
Federally Insured by NCUA. *APY=Annual Percentage Yield, accurate as of 3/1/2023. Must meet monthly qualifications to earn disclosed APY. Balances up to $5,000 earn 5.00% APY; balances above $5,000 earn 0.50% APY. Monthly Qualification are: (1) combination of 15 or more Fox Communities Credit Union (Fox) debit/credit card purchases that post and settle to account; (2) consent and receive periodic statements electronically; (3) $500 or more direct deposit or automatic debit; and (4) have a valid email address on file with Fox. Failure to meet monthly qualifications reduces earnings. Conditions and restrictions apply, visit your local Fox location or foxcu.org/rewardschecking for additional information. Rates are subject to change
Suite
minimum $5,000 new money, with a max loan amount of $40,000. Loan is subject to credit approval, income verification and proof of ownership in primary owner-occupied residence. Repayment term is dependent upon requested loan amount. 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.
APY**
2.50%
When in doubt, get it towed
Attend a free webinar for a chance to win up to $1,000 March’s topic is Understanding Credit
BALANCE Webinar for the Win sweepstakes is back! Anyone who attends a free BALANCE webinar in March or April will be automatically entered into a drawing for up to $1,000! Visit foxcu.org/balance-webinar-for-the-win for the official rules.
March’s webinar topic is Understanding Credit, where you'll learn all aspects of becoming an educated credit consumer, including how lenders evaluate for credit approval, factors that impact credit qualification, how credit scoring works, and ways money management today impacts credit standing tomorrow. To learn more and join the webinar*, register at foxcu.org/calendar. Webinar dates are:
5.99%PROMO APR* for 6 months
9.90 -17.90%APR therea er
Pay off unexpected expenses? Consolidate debt?
Finally start that project you’ve been putting off?
No matter what you’ve got planned, we’ve got a special rate on cash advances/balance transfers that will help you make it happen.
Now through March 15, you can get a promotional rate of 5.99% APR* for the first 6 months when you use your Fox credit card for a cash advance or balance transfer. Get in on this great promo rate at foxcu.org/low-interest-cash-advance/.
*APR=Annual Percentage Rate.Promotional rate of 5.99% APR on balance transfers and cash advances made from 1/16/2023 to 3/15/2023 will remain at Promo APR until 9/15/2023. A er promotional period ends, an APR of 9.90%-17.90% as disclosed at account opening, based on your creditworthiness, applies to unpaid promotional balances, new purchases and new balance transfers or new cash advances. Interest begins accruing as of the balance transfer/cash advance date and is calculated using the average daily balance. No balance transfer or cash advance fee. Minimum interest charge: $1. Fee for foreign transactions is 1% of each transaction in US dollars. Offer subject to change without notice. Rewards program does not apply to cash advances or balance transfers. Loan subject to credit approval. For additional details visit foxcu.org/visa-credit-card/. Membership eligibility required.
First time home buyers: you could get up to $10,000
If you’re in the market for a home and are looking for home buying assistance, we’re here for you every step of the way.
Ask a Fox team member today to learn more about the Federal Home Loan Bank of Chicago’s Down Payment Plus®* home buying assistance program and see if you qualify. Down Payment Plus® funds are to help reduce your down payment and closing costs.
*Down Payment Plus® is a program of the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Down Payment Plus®” is a registered trademark of the Federal Home Loan Bank of Chicago. Funds for the program are limited and will be awarded on a first come, first served basis until all funds have been used for the calendar year. Additional eligibility requirements apply.
• March 14 | 12:30pm - 1:30pm
• March 23 | 7:30pm - 8:30pm
While not part of the sweepstakes, we also offer a WHBY radio show on this same topic, March 13 from 11am to Noon.
*“Webinar for the Win” sweepstakes is being offered exclusively by BALANCE, a California based non-profit organization. Only BALANCE webinars qualify for entry. See “Official Sweepstakes Rules” for contest details. 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).
Virtual Annual Meeting
Monday, May 1 | 5pm - 6pm
Listen and view the live presentation via our meeting link or hear audio only by calling in. Both the url and phone conference call number will be shared around mid April at foxcu.org/annual-meeting-2023.
Annual Paper Shredding and Electronic Recycling
Saturday, August 5
Registration opens Saturday, April 1
Snag an early bird price of $25 per rider therea er. We look forward to another fun and successful ride this year. All registration funds benefit Fox Cares Foundation. Learn more and register at biketothebeat.com!
• Saturday, May 20 Two Rivers
• Saturday, June 3 Oshkosh & Green Bay
• Saturday, June 17 Appleton
Have a pile of papers that needs 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. We’ll shred your paper for free, and recycle many of your electronics for free, however, there may be a charge if the item contains Freon, a refrigerator, freezer, monitor, and TV. Stay tuned for more information at foxcu.org/calendar.
Visit Us: foxcu.org/locations Find Us: instagram.com/foxccu Call Us: 920-993-9000
Insured by NCUA.
Federally
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.
