October 2021
IN THE DRIVERS SEAT
Auto Loan rate as low as 1.99% APR* for up to six years (72 months) If you want to take advantage of our terrific rate on auto loans, we’ve got great staff here, like Julia and Mike, ready to help you any way they can. “Whatever you need me to do,” said Mike Pastorelli, our Auto Buying Specialist. He will not only help you find the best auto for you and your budget but will also go to the dealership with you! Our lenders will tailor the lending experience to your needs. “We can put it into slow gear for first-time borrowers and fast gear for someone who has borrowed many times,” said Member Relationship Officer, Julia Klemme. We’re here to help you! Apply for a new auto loan or refinance your current auto loan: foxcu.org or 920-993-9000. *APR=Annual Percentage Rate.1.99% APR is the advertised rate for 72 months, vehicles 2019 or newer; up to 60 months for vehicle years 2016 or newer. Rates can vary based on creditworthiness, age of vehicle, and terms of the loan. Rate presented requires a Fox checking account. Payment example: $10,000 at 1.99% APR for 72 months, monthly payment of $147.47. Additional restrictions may apply. All loans are subject to final credit approval and membership eligibility. Rates, terms, and conditions are subject to change at any time. Applicable to new money loans only, cannot be used to pay off existing FCCU loans. Federally insured by NCUA.
Being “interested” does not mean it has been “sold” to you “A car dealership friend was recently telling me about a customer he had just tried to help. The customer had taken a car for two test drives and showed interest but left, hesitant about the cost. In the meantime, another customer came along and bought the car on the spot. When the first customer returned, he was very upset the car had been sold. Expressing interest in a car is not the same as a down payment. Avoid this situation by: knowing your budget, getting pre-approved, and researching what you want. If you know your budget and the type of ride you want ahead of time, you won’t feel as obligated to hesitate. If researching sounds unappealing, contact me. I’d love to do the research for you!” Talk to Mike Pastorelli, our Auto Buying Specialist: mpastorelli@foxcu.org or 920-993-3503.
POCKET SIZED CONVENIENCE
Staff favorite product “Fox’s credit card helped me establish my own credit,” states Katie Schroeder, one of our Trainers. 1. Apply for a Fox credit card. • foxcu.org or 920-993-9000. 2. Use your card to make purchases. • Stick to purchases that are necessities, and that you already have as part of your budget. Examples: gas, cell bill, groceries. • Try to keep the balance on your card(s) at less than 30% of your total credit limit. 3. Pay your credit card bill on time and in full! Credit card terms and conditions are based on creditworthiness, qualifications, and final credit approval. Membership eligibility required.
Save with fuel discount rewards If your Fox credit card has a balance of at least 2,000 reward points and you use your Fox credit card for payment at a select BP, Shell, or Citgo gas station, you can redeem your points for $.50 off per gallon...up to 20 gallons! Fuel discount awards are only available at participating gas stations. Single use only, valid up to 20 gallons. Any unused rewards on each purchase are forfeited. May not be valid with other offers. Rewards are earned and redeemable at participating stations with operable electronic transaction networks. Terms and conditions apply, visit hq.scorecardrewards.com/fuel_discount to locate participating gas stations and for rules, or contact ScoreCard Customer Service at 800-854-0790.
When in a pinch, easily turn your Fox credit card funds into cash Log in to Digital Banking and transfer funds from your Fox credit card to your checking! Available funds may be transferred. Interest begins accruing as of the transaction date using the average daily balance method. Contact a lender for details. Checking account is Federally Insured by NCUA.
We will be closed Veteran’s Day: Thursday, November 11
“FUNDING” YOUR FINANCIAL KNOWLEDGE
‘Bringing it to you Straight’ radio show: Home equity loans Monday, October 11, 4-5pm Presenter: Katie Selner, Mortgage Loan Officer Katie will explain: • What a home equity loan is. • The difference between a home equity loan and a home equity line of credit. • How to calculate how much equity you have in your home. Tune into 1150 AM, 103.5 FM, 106.3 FM, or the WHBY app. Listen to our past radio shows by visiting foxcu.org/blog.
Parents corner: Young adults and credit Whether it’s because your young adult has bills to pay now that they are gaining independence, or simply because they need to build credit, it’s likely you have considered opening a credit card for them. Here are some things to do with your young adult: • Discuss positive/negative outcomes of having a card. • Research cards. Some cards may not be a good fit. • Create a budgeting plan to pay the card off monthly. • Review the first few bills. Periodically check in. Only you know what’s right for your family but remember, if you have questions, we’re here for you! Credit card terms and conditions are based on credit qualifications, relationship, and credit approval. Rates, terms, and conditions are subject to change. Membership eligibility required.
To click or not to click
Free ‘Balance Financial Fitness’ webinars: Using credit cards wisely Tuesday, October 12, 12:30pm-1:30pm Thursday, October 21, 7:30pm-8:30pm Credit cards can be valuable tools. Let our friends at Balance share a few smart ways to use them before you rack up those big charges. Register at foxcu.org/balance-financial-fitness-program/. Click ‘Visit Balance Website’, then ‘Free Webinar’. Presentations are intended for educational purposes only and do not replace independent professional advice. Statements and opinions are of the presenter individually and not necessarily the opinion or position of Fox CU. Third-party site is not operated or under the control of Fox CU. Fox CU is not responsible for the content and does not represent those who enter into a transaction.
Malicious advertising (malvertising), is ads created by scammers to get personal information or install malware on your device. If you click on the ad, it will take you to a fake log-in or retail page. When browsing the web always remember: • Even if you are on a well-know website that does not mean that the ads on the website are safe. • Think before you click! If something seems too good to be true, it is. • Install a reputable ad blocker for your browser. Ad blockers help protect you from malvertising by preventing ads from being displayed. Third-party site is not operated or under the control of FCCU. FCCU is not responsible for the content and does not represent those who enter into a transaction.
IN YOUR COMMUNITY • foxcu.org/calendar
Coats for Kids Drive Drive ends Friday, October 29 Colder months are around the corner and we’d like to make sure local children in need stay warm. Drop off new/gently-used winter coats or monetary donations at any of our Fox locations. As little as $20 buys a new coat.
Thank you from Fox Cares Foundation foxcares.org
With your help, staff, and Fox’s match, our foundation raised $29,138.56 from July 13 - August 13.
Funds will be deployed out into our communities by the way of grants to local non-profits who fit the foundation mission: addressing hunger, homelessness, and the arts.