FoxFacts Newsletter May 2022
New Oshkosh Location Now Open : 1870 Oshkosh Avenue The lobby of our newest branch is open Monday through Friday from 9:00am to 5:00pm and Saturday from 9:00am to noon, while the drive-up is open Monday through Friday from 8:00am to 5:30pm and Saturday from 9:00am to noon. To celebrate the grand opening, our new Oshkosh branch will be hosting a two-week celebration beginning May 23 – that will include giveaways and special offers for new members (more information can be found at cometofox.com). After that celebration ends, the fun will continue, with a brat fry every Friday in June supporting a different Oshkosh nonprofit each time.
We welcome Schneider Community Credit Union members to Fox We’d like to extend a very special welcome to members of the Schneider Community Credit Union (SCCU) on Tuesday, May 3! This partnership will add another location at 781 Willard Drive in Green Bay bringing our total to 22. If you’re around that area, make sure you stop in and say hi!
Federally Insured by NCUA.
Get to your to-do list with an “It’s About Time” homeowners’ loan What have you been putting off for far too long? A remodeling project? A big-ticket toy like a boat or RV? A debt consolidation plan? If you’re a homeowner who thinks it’s about time to get things moving, and you want to do so quickly, then you’re ready for an unsecured “It’s About Time” homeowners’ loan. • Rates as low as 6.90% APR* • Terms up to 10 years with low fixed payments
• No fees or closing costs • Instant money up to $40,000
Our unsecured “It’s About Time” homeowners’ loan lets you stop procrastinating and start putting your dreams in motion, and all without touching your home’s equity. Speaking of equity, the “It’s About Time” homeowners’ loan is a great option for those with little or no equity in their home. To be approved and receive the loan on the same day you apply, simply go to foxcu.org/abouttimeloan/ or stop on in at any Fox location. *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 primary owner-occupied home ownership. 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.
Make Life Happen with a “Make Anything Happen” personal loan Here at Fox, we strive to help you make life happen. With our “Make Anything Happen” personal loan you can go anywhere, do anything, and enjoy everything by borrowing up to $10,000 with rates as low as 7.40% APR for up to 60 months.* To be approved and receive the loan on the same day you apply, simply go to foxcu.org/personal-loans/ or stop in at any Fox location. *APR=Annual Percentage Rate. Rate subject to change at any time. Estimated monthly payment for $1,000 borrowed at 7.40% APR for 12 months is $86.71. Loan is subject to credit approval. APR can vary based on creditworthiness and term of the loan. Loan is not eligible for a rate reduction. New money only. Membership eligibility required. Applicants typically receive approved funds within the same or one business day.
Federally Insured by NCUA.
Upcoming Financial Education Opportunities This month's BALANCE webinar and radio show topic is Retirement Planning: The Basics. Join us for a webinar on May 10 at 12:30pm or May 19 at 7:30pm or tune into WHBY from 11:00am to noon on Monday, May 9 to learn how to harness the power of time, and optimize investments to reach your long-term goals. To register for the BALANCE webinar go to foxcu.org/calendar. 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 security and content are not operated or under the control of Fox, and Fox does not represent those who enter into a transaction.
Closed Memorial Day to honor and remember the fallen All Fox locations will be closed on Monday, May 30, for Memorial Day, in honor and remembrance of all the brave men and women who gave their lives for our country.
From our Fraud Department: Card Security at Gas Pumps
New Digital Banking Feature: Stop Payment
Many gas stations are requiring payment before pumping gas. With that in mind, here are a few tips to keep your card numbers safe from scammers and their skimming devices:
In an effort to make life easier for our members, Fox Digital Banking users can now add a stop payment on an individual check or series of checks,* from within Digital Banking. Thanks to authentication steps already in place for Digital Banking users, there is no need for any additional forms or signatures** to complete the stop payment request for your check.
• Make sure the gas pump panel is closed and doesn’t show signs of tampering. Many stations now place security seals over the cabinet panel. If the pump panel is opened, the label will read “void.” • Look at the card reader itself. Does it look different than other readers at the station? • Try to wiggle the card reader before inserting your card. If it moves, report it. • Run your debit card as credit instead of entering a PIN. It’ll keep your PIN safe, and the funds won’t be deducted immediately. • Still uneasy about it, pre-pay inside. • Monitor your accounts regularly and report any odd activity to us immediately at 920-993-9000. Federally Insured by NCUA.
To stop payment on a check(s) using your Fox app, simply log in and select Menu, then Services and Stop Payment. From there, review the stop payment terms, then simply fill out the Form (Account Number and Check Number are Required Fields) and select Request Stop Payment. You will then receive a message “stop payment successful” once your request has been submitted. The stop payment fee*** will then be charged to your account.
Registration for Bike to the Beat is now open! Taking place August 6, this bike ride will be better than ever, and you can save big by registering before June 1. Learn more and register today at biketothebeat.com.
*Only physical checks can be stopped using this process within Digital Banking. ACH stop payments will continue to be handled by contacting the credit union. **If you decide to cancel the stop payment, please contact the credit union. *** Current Stop Payment Fee $17/$25 series of checks, effective 5/15/2022 fee will be $20 per item/series of checks.
Our Auto Buying Specialist shares a question often asked: Should you keep looking after finding the perfect vehicle? The short and simple answer to this question is no, yet so many feel the need to keep looking even after they’ve found “the one.” As someone who’s been in the auto business for a long time, this has always been something I’ve never understood – people come in and drive a specific vehicle that they are interested in, tell us that it’s exactly what they are looking for, but they still want to keep looking. Even in my current role here at Fox, I still hear about this. I know making a big decision like purchasing a vehicle can be stressful, and everyone wants to get the “best deal” – but unless you know what that is, how will you know when it presents itself? Unfortunately, the end result is members wishing they had not waited because by the time they realize that they had found the one, it’s too late. My advice would be this: If the vehicle you found checks all the boxes, then it’s the one. And if you need help finding the one, I’m here to help. Reach out to me or visit foxcu.org/auto-loan. Mike Pastorelli, Fox’s Auto Buying Specialist 920-993-3508 mpastorelli@foxcu.org
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Fifth Cooperative Principle: Education, Training, and Information We’re more than halfway through our list of the principles that make our credit union (and all cooperative organizations) the special member-focused entities they are. The fifth principle, Education, Training, and Information, means that as an organization, we focus on educating our members and team members in the efforts of helping lead all to a financially secure future. We invite you to visit foxcu.org and select the Education drop-down to see all the ways we can help. Federally Insured by NCUA.
Call Us: 920-993-9000