Fox Facts Newsletter - October 2022

FoxFacts Newsletter Celebrating our anniversary on October 15

October 2022

foxcu.org/history

Lock in your savings at 2.50% APY for 13 months Growing your savings is easy at Fox. A small investment today can provide you with more financial freedom in the future. So, start saving today with our 13-month, 2.50% APY certificate special, and watch your savings grow.

Open a Fox checking account and receive $50

Learn more at foxcu.org/sharecertificate22.

APY = Annual Percentage Yield and special may end at any time, without prior notice. 13-month share certificate requires $5,000 minimum deposit. New money required unless current Fox Communities Credit Union (Fox) member with an active checking (4 transactions per month) at Fox. Membership eligibility required. Dividends accrue daily. Early withdrawal penalties apply.

Federally Insured by NCUA.

Limited time offer on credit card cash advances and balance transfers through October

Are you ready for a Fox checking account?

Or maybe someone you know is? If so, now’s the time because we’re giving everyone who opens a checking account $50.

Open yours at foxcu.org/checking.

3.99%

Promo APR for 15 months*

9.90%-17.90% APR thereafter**

• Consolidate high interest rate balances or accounts onto your Fox credit card • Pay off your summer-time charges • Tap into your card for some emergency cash

Bonus offer available to Fox Communities Credit Union (Fox) members currently not a primary or joint owner of a Fox checking account. Member must open a new Fox checking account to qualify for offer. Offer valid through Oct. 31, 2022, and is subject to change at any time without notice. $50 bonus will be deposited into your account after the transaction is finalized, may not be used as part of the account opening initial deposit, is considered dividend income and is subject to IRS tax reporting requirements. Fox reserves the right to change or cancel this promotion at any time with or without advance notice. Cannot be combined with any other offer. Membership eligibility required.

Federally Insured by NCUA.

New to Mobile & Online Banking: External transfers

Visit foxcu.org/low-interest-cash-advance for more information on this great offer! *Promotional rate of 3.99% Annual Percentage Rate (APR) on balance transfers and cash advances made from 9/15/2022 to 10/31/2022 will remain at Promo APR until 1/31/2024. **After 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/low-interest-cash-advance. Membership eligibility required.

Federally Insured by NCUA.

Get a Fox credit card for a 1.99% APR* introductory rate for six months and 9.90% - 17.90% APR** thereafter • Earn reward points with every purchase*** • No annual fee Visit foxcu.org/visa-credit-card for details and to apply!

Membership eligibility requirements apply; to open a business credit card, business must be a Fox Communities Credit Union member. *Intro Annual Percentage Rate (APR) remains in effect for 6 months from account opening date. **After that, rate will be 9.90% to 17.90% APR based on applicant’s creditworthiness disclosed at account opening. Credit cards are subject to credit approval. Interest begins accruing as of transaction date and calculated using ‘average daily balance’ (including new purchases). Minimum interest charge, $1. Fee for foreign transactions is 1% of each transaction in U.S. dollars. *** Card must be registered to redeem points. Reward points earned on qualifying net purchases (purchases minus returns and/or other related credits).

Reward points are not earned on cash advances, balance transfers, unauthorized or fraudulent charges or for fess of any kind on your card account. For additional details, terms and conditions visit uchooserewards.com. uChoose® Rewards is a registered trademark of Fiserv Inc. Participating retailers subject to change. All other brand, product(s) and service names and logos are marks and/or trademarks of their respective owners. Restrictions may apply.

Easily move money from the accounts you own at another financial to your accounts at Fox, all from the comfort of your home, using external transfers.

Visit foxcu.org/2022/09/external-transfers to learn more.

External Account Transfer is limited to a checking, money market or savings account. External Account Transfer service is subject to daily & monthly processing limits. Cutoff time for External Account Transfers is 3:00 p.m.

Central Standard time, Monday- Friday (excluding holidays). Any external transfer request made after that will be initiated the next business day.

Business accounts do not qualify for external account transfers. For additional information, contact a friendly Fox team member.

Federally Insured by NCUA.

TruStage Insurance: Our new partner The curveballs life throws can sometimes put us in a tailspin, and that’s why we have partners to help you through the toughest of times. Insurance can help reduce these curveballs and be an important part of your financial well-being. With that being said, we have chosen to partner with TruStage Insurance to help protect what matters most in your life. TruStage Insurance is founded on a tradition of protecting credit unions and their members for more than 80 years. We feel confident they can be a great resource for you.

Look for more information on TruStage and its partnership with us coming soon.

TruStage® Insurance products and programs are made available through TruStage Insurance Agency, LLC. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any depository institution.

Grow your savings with SaveUp Everyone knows the story of the tortoise and the hare, right? Slow and steady wins the race. But did you know that also works for your Fox savings account? Thanks to our SaveUp program, steady savings growth is possible. SaveUp rounds all of your Fox debit card purchases up to the nearest dollar, then takes the total accumulation from the day and puts it into the Fox account of your choosing.

Learn more and sign up for SaveUp at foxcu.org/saveup.

Members must have a Fox checking account with a Fox debit card and enrolled in SaveUp. Savings will vary based on number of purchases and purchase amount(s) made using debit card. Eligible Debit card purchases will be calculated nightly with funds rounded to the nearest dollar and transferred from the checking account associated with your Fox debit card to designated receiving account in one lump sum. For a transaction to round up, the checking account balance must be sufficient to process the transaction and transaction amount must not be a whole dollar amount. A round up will not occur if the balance is zero, negative or becomes zero after the round-up transaction. Fox may cancel or modify this service at any time without prior notice.

Federally Insured by NCUA.

Fraud red flags to watch for during Charity Fraud Awareness Week Charity Fraud Awareness Week is October 17-21, which means many people will be opening up their pocket books to support their favorite charities. But while you’re doing so, please remember that charitable giving is not without fraud risks. So, please watch out for these red flags: • Don’t let anyone rush you. Scammers love to pressure you to make a quick decision.

Real charities will be happy to receive your donation when you’re ready.

• Avoid donations by cash, gift card, cryptocurrency, or money transfer service. It’s a red flag if they demand to be paid that way or if the payment goes to a person instead of a charity. Your safer bet is to pay by credit card.

• Double-check the name. Scammers sometimes use names that sound like legitimate charities that you know and trust.

• Scammers often refuse to send you information about the charity, provide details, or tell you how the money will be used.

If you’d like an example of a local charity, check out the Fox Cares Foundation at foxcares.org.

Visit Us: foxcu.org/locations

Find Us: instagram.com/foxccu

Call Us: 920-993-9000

Coats for Kids collection: Through October 27 We’re once again collecting winter coats for kids in need at all of our branch locations.

No matter what kind of gently used or new winter coat you have, there’s a child in need who would love to have it.

Learn more by visiting foxcu.org/coats-for-kids-2022.

Get your chance to win $500 with our Learn N Earn giveway

LEARN EARN

A new quarter is upon us, which means a new chance to win $500 with our Learn N Earn giveaway. Members who tune in for an October, November, or December webinar are automatically entered and a winner will be chosen in January.

October’s educational topic is Breezing Through the Holidays, where you’ll learn budgeting strategies and tactics to avoid year-end credit card crunch and sidestep debt traps in the future.

The webinar dates are: • October 11 12:30pm - 1:30pm • October 20 7:30pm - 8:30pm Register and learn more about our Learn N Earn giveaway at foxcu.org/calendar.

While not part of the Learn N Earn, we also offer a WHBY radio show on this same topic, October 10 from 11:00am to Noon.

The presentation is brought to you by BALANCE Financial Fitness and 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 Communities Credit Union (Fox). Fox is not an affiliate of BALANCE Financial Fitness.

Federally Insured by NCUA.