Fox Facts Newsletter - September 2023

FoxFacts Newsletter

September 2023

Get free money at the end of every month with a Fox Rewards Checking!1 You’ll be twirling through a whirlwind of rewards that’ll have you doing the moonwalk in your living room.

Earn 5.00% Annual Percentage Yield1 on balances up to $5,000

No minimum balance requirements and no monthly fee Get started at foxcu.org/freemoneyday

Savings

Once you have a Fox Rewards Checking1, you automatically qualify for a Fox Rewards Savings2. With no minimum balance, fees, or transaction limits, and earning 2.00% APY2 on your entire savings balance, it’s a no brainer to have it!

APY=Annual Percentage Yield, accurate as of 8/18/2023 and suject to change at any time. 1: To earn disclosed 5.00% APY, you must meet monthly qualifications and have a balance up to $5,000; the balance portion above $5,000 earns 0.50% APY. Dividends are calculated and accrued daily based on Fox Rewards Checking balance tier and if Monthly Qualification requirements are met. Monthly Qualification Cycle requirements are: (1) $500 or more direct deposit, automatic payment, or a combination, (2) enroll in Online Banking and elect to receive eStatements with a valid email address, (3) 15 Fox Communities Credit Union (Fox) debit card, Fox credit card or a combination of qualifying purchase transactions that post and settle during Monthly Qualification Cycle. Restrictions apply. If Monthly Qualification Cycle requirements are not met earnings reduce to 0.01% APY on account balance, and domestic debit card ATM fee refunds will not apply. For additional information, contact Fox. Limit of one Fox Rewards Checking per tax-reported owner.

2: In order to earn the disclosed APY, during each dividend period You must: (a) consent to receive Your periodic statements electronically; (b) have a valid email address on file with the credit union; (c) have a Fox Rewards Checking Account with the same Ownership type as this Account; and (d) meet all monthly earning requirements for Fox Rewards Checking Account. Membership required. Federally Insured by NCUA.

Shi Gears To Saving On Auto Insurance With TruStage®

If you’re considering taking out a loan* to cover the costs of repairing your ride, and the costs of repairs outweigh or nearly outweigh the value of your vehicle – we invite you to sit down with a loan specialist at Fox. They’ll help you take cautious consideration: is it practical to invest in repairs that match the car’s value? What if there are more repairs down the road? etc.

These Texts Are NOT From Fox

financial

Text 1:

(FOX CU) You have a pending 445.23 USD at La Cueva. If this is not you,contact transaction dispute department by Texting NO to ########## to verify and decline immediately. Reply STOP to unsubscribe. Thanks, Savannah Edwards.

No

We understand that it can be hard to find auto insurance that keeps your budget on track, and that’s why we have partnered with TruStage® Insurance. We challenge you to see if they can reduce your auto insurance expenses, and help you keep a little more of your hard-earned money for yourself.

It’s easy to get a free quote. Don’t wait to see what you could save - foxcu.org/insurance

We understand being in this situation can be very stressful and we’re here to help. We may be able to uncover a more effective plan to help with your current circumstance, ensuring both your time and money are optimized. And if you’d rather, you can contact me directly.

TruStage™ Auto & Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts may vary by state. A consumer report and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. *Loans

subject to eligibility

Text 2:

(Tax Rebate) You are qualified for 5000 USD tax return stimulis through Fox Communities CU for tax year 2022, To claim your stimulus, text TAXCRD to ########## to apply. Reply STOP to unsubscribe.

What you should know: Fox may send you a text if your card activity is out of the normal. Our text will only ask you Yes or No questions. It will NEVER have a link to click to verify any account numbers. When in doubt, please reach out to us.

Heidi Kiecker Fraud Officer 920-993-3714

hkiecker@foxcu.org

You can also use Card Controls within our mobile app to turn your card off if you’ve lost your card or something suspicious seems to be happening, like receiving texts like those above. You can then turn your card back on when you’ve verified everything is safe.

Learn more at foxcu.org/fox-card-controls

Prepare Your Budget: Federal Student Loan Payments Set

To Resume in October

The pause on payments since the pandemic is coming to an end with interest starting this month (September) and first payments due in October.

If you have a Federal Sudent Loan, the amount you’ll pay each month depends on the amount you borrowed and the interest rate. It’s important to be prepared for this and to budget accordingly. With the rising cost of living, some may find this hard to fit back into their budget. Fox is here to help you with your budget and provide student loan repayment resources.

Rick Dennis Financial Wellness

920-993-3940

rdennis@foxcu.org

people. Your support will only strengthen the Foundation’s efforts of fighting hunger, ending homelessness, and providing access to the arts. From the bottom of our hearts, Thank You!”

- Bruce Kotarek, Foundation Board President

*Fox Cares Foundation, Inc. is a Wisconsin nonprofit corporation with 501(c)(3) status effective June 21, 2016. Fox Cares can make no representation with regard to deductibility of any contribution. Please speak with your tax advisor regarding the tax implications of any charitable contribution to Fox Cares Foundation, Inc. While Fox Communities Credit Union actively supports Fox Cares Foundation, Inc. the entities are neither legal affiliates nor subsidiaries of each other.

Celebrating Yet Another Triumphant Bike To The Beat Event

Raised $94,000 for the Fox Cares Foundation* and its mission of ending homelessness, fighting hunger, and providing access to the arts

We Can Help You With Your 401(k) Options

Changing jobs? What should you do with the 401(k) money you’ve accumulated? You may have up to four options (and may engage in a combination of these options): leave the money where it is at, roll it over to your employer’s new plan, roll it into an individual retirement account (IRA), or cash out.

We can help you explore these choices and guide you through the necessary steps.

Connect

Important Disclosures

This material is for general information only and is not intended to provide specific advice or recommendations for any individual. There is no assurance that the views or strategies discussed are suitable for all investors or will yield positive outcomes, Investing involves risk including possible loss of principal. Fox Communities Credit Union (Fox) provides referrals to financial professionals of LPL Financial LLC (LPL) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more information.

Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Fox Communities Credit Union and Fox Communities Investment Services are not registered as broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Fox Communities Investment Services and may also be employees of Fox Communities Credit Union. These products and services are being offered through LPL or its affiliates, of which are separate entities from, and not affiliates of Fox Communities Credit Union or Fox Communities Investment Services. Securities and Insurance offered through LPL or its affiliates are:

Psychology of Spending

“We can’t thank all the local businesses, riders, and volunteers enough for all the support. This year’s event was one of the most successful of all time!”

Chris Allen CEO/President

Donated loads of leftovers to the Golden House of Green Bay and Harbor House of Appleton

Welcomed 2,918 riders from 19 states biketothebeat.com

This FREE webinar* will help you idenfity “money personalities” and teach you strategies and tactics to decode personality types to gain financial control.

September 12 12:30 - 1:30pm

September 21 7:30 - 8:30pm

foxcu.org/psychology-of-spending-webinar

While not a webinar, we also offer a radio show on this same topic. Tune in to 1150 WHBY on September 11, 11:00 - Noon.

*Webinars are offered exclusively by BALANCE, a California based non-profit organization. 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). 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.

*Fox Cares Foundation, Inc. is a Wisconsin nonprofit corporation with 501(c)(3) status effective June 21, 2016. Fox Cares can make no representation with regard to deductibility of any contribution. Please speak with your tax advisor regarding the tax implications of any charitable contribution to Fox Cares Foundation, Inc. While Fox Communities Credit Union actively supports Fox Cares Foundation, Inc. the entities are neither legal affiliates nor subsidiaries of each other.