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Buying a Used Car Harbor Credit Union Partnership Bike to the Beat: Track 2
By the Numbers Facts andIf you figures about Fox’stime Biketo to the Beat: Track take your carry out an 2inspection plus research a vehicle’s history, buying a used car can be rewarding and cost-effective. Here are some quick tips to follow.
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Membe25rs! Inspect the exterior
Don’t rush the purchase
provides allLook members with 22 convenient locations, along with more for rust, offset doors and fenders, TakeATMs! your time inspecting the vehicle cracks and differences%in paint color. and getting the necessary information. it out and biked 50 mile rideUnion Mike DeGrand, former President oftoughed Harbor Credit Union said,the “Harbor Credit hasa always You don’t want to regret quick decision. kept the interest ourinterior members in the forefront of our minds. With that as the guiding principle, Checkofthe % wanted chicken so they 36 milesCredit Union. the interior foraccomplish wear and tear we decidedInspect that the best way to this was towings unite with Foxbiked Communities Don’t accept issues damage and%check Fox focusesand on water providing the same type ofthe personalized service while concentrating on the If you see problems, mention them and enjoyedbut the ride to Kaukauna for 20 miles odometer-if it shows Their low mileage member’s financial well-being. values matched those of Harbor, so this conclusion became request that the seller fix them-if the the inside of the car is disheveled, the obvious.” car may not be what%it appears to be. seller fix them and you’re still were in it for the short & fun 10 won’t mile ride interested in buying the car, negotiate Greg Hilbert, President Fox wheels Communities Credit Union stated, “Both credit unions share a discount. Check the tiresofand
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a deep understanding of our members and the communities we serve. This Look for even tire commitment wear-uneventowear Don’t buy unseen could mean that the wheels or $ partnership shows how credit unions continue towas work together, and expand product given back to improve the community! % suspension Always physically see the car before %are out of alignment. and service offerings, now serve over 99,000 ille for all members. With the help of Harbor, we purchasing-pictures can be misleading. Clintonv $17,500 myTEAM TRIUMPH men women members. Staff and Board Members are honored and excited to have Harbor members as part Look at the engine Don’t listen to music $5,000 Refuge Foundation for the Arts Make sure the coolant is clear and the of the Fox family.” participated in When test driving the car, make sure oil, transmission fluid and brake fluid this fun-filled ride. $2,500 Winnebagoland BMX Club Inc. k Cree k Blac you don’t are all theCredit correct colors. Fox Communities Union is 80 years strong with over 400mbu employees. rg have the stereo on-music can Luxe mask suspicious noises and rattles in We are a financial cooperative, owned by our members, and are committed the car. Vehicle history Bay en Gre to making Request significant contributions to the communities we serve. Our staff a Vehicle History Report, Don’t ignore your instincts don Lon New repair invoices and receipts, and and Board Members are dedicated to upholding the “People Helping People” If it feels wrong, don’t be afraid to walk registration be aware credit union mantra forinformation the next 80 and years! of all new parts. Rivers yourself, as there will always Two away-trust cyclists participated be another car out there for you.
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We welcome all members visit 22 Fox manyto as our first any year!)of our to help make locations this Oshkosh
Need replace and or upgrade auto? Talk to our auto expert including our four newtolocations provided by theyour Harbor partnership! event successful
Tom, before you begin your search for your next new or used vehicle.
• Have Tom shop you - Tom shops for a vehicle for many of our members, 220for 0 Velp Avenue, therefore, he may receive a volume buying discount from dealerships. 800 Weise Street, Green Bay year old (oldest) to a baby How ard (youngest) musicians this is a bike ride for all ages! participated performed live to purchase GAP • Exclusive discounts - Fox members have the opportunity
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throughout the and Warranty for $300 to $500 less than aN.dealership offers. Luxemburg Main Street, 106 United, we have four more locations!
Cover Story: 6 stops e Bellevu urt,deal! A Co great - Due to Tom’s extensive knowledge and dealership network, 21 Steffe•ns Fox is proud to be “Your 25 Community Partner!” Discover how Fox is Making he will help you get a great deal on a vehicle that fits your needs. • 800 Weise Green Bay • 2521 Steffenscommunity Court, Bellevue Life Happen through theStreet, sponsorships of many fun-filled events within the•Fox Cities, Green Bay and Lakeshore areas. (page 2 & 3). Contact Tom at 920.993.3705 or tkostac@foxcu.org 2200 Velp Avenue, Howard • 106 N. Main Street, Luxemburg
Fox in the Community
Homeland Experience • Green Bay September 15th • 5:00pm - 10:00pm 16th • 11:00am - 5:00pm This brand new two-day festival combines over 15 musicians with equally captivating visual artists. It will be held at businesses throughout Green Bay’s Downtown & On Broadway districts and will be open to all ages when applicable.
Fox and 4th Hooah are excited to be partners in this first-time event! 4th Hooah helps support men and women who have sacrificed so much for civil liberties and freedoms. They plan to use their funds to help provide guitars for veterans.
Lakeshore Balloon Glow • Manitowoc Kites Over Lake Michigan • Two Rivers The Lakeshore area was booming with excitement these past few weeks. We had the Balloon Glow on August 18th and Kites Over Lake Michigan on September 2nd & 3rd! Each year thousands of spectators flock to the Lakeshore area to check out these events, perfect for all ages. They really do make for a nice outing for the family or just a fun outing with friends. If you didn’t get the chance to attend this year, they will be back again next year!
www.foxcu.org
At Fox, we aren’t just a financial, we’re also in your neighborhood. We’re friends ... and we’re family.
igNight Market • Green Bay September 16th • 5:00pm - 10:00pm Hubbard & N. Pearl Without hesitation, Fox embraced the idea of helping to bring a first-ever night market series to the Green Bay area. Markets were held the third Saturday of July and August. The September 16th’s market is still to come, on the corner of Hubbard and N. Pearl. These markets are FREE to attend. They provide an open-air concept with a variety of experiences for people of all backgrounds and ages. Some of the exciting features are an art mash-up, craft and food vendors, live art creations, local music and a beer garden. September 16th will feature live music from LOLO...trust us when we say, she’s got some major talent in singing and performing! We hope to see you there!
Congratulations to our 2017 Summer Reading Challenge Winner! (Pictured: Wyatt with his $150 Toys ’R Us gift card prize for having read, or being read to, ten books or 500 pages.) Thank you to all kids who participated! We were happy to see all the entries and hope you participate again next year!
Visit foxcu.org/calendar for more exciting community events and details. Summer/Fall 2017 •
Fox Facts | 2
Harbor
Buying a Used Car Harbor Credit Union Partnership Bike to the Beat: Track 2
By the Numbers Facts Ifandyou figures about Fox’s Biketotocarry the Beat: take your time outTrack an 2inspection plus research a vehicle’s history, buying a used car can be rewarding and cost-effective. Here are some quick tips to follow.
Credit Union
United with Fox!
Registered trademark of Currency Marketing.
(Weise Street staff pictured above: Jean Lensmire, Deb VanDenBerg, Kurt Carpenter, Shannon Bentz, Mike DeGrand - former president/CEO of Harbor Credit Union, Christy Iniguez, Joy Mueller, and Nikki Baker) foxbiketothebeat.com
embers 2! Welcome staff & mTRACK
On July 1, 2017, Harbor Credit Union joined Fox Communities Credit Union. This partnership
Inspect the exterior
Don’t rush the purchase
provides all members with 22 convenient locations, along with more Look for rust, offset doors TakeATMs! your time inspecting the vehicle % and fenders, toughed it out and biked the mile the ridenecessary information. cracks and differences in paint color. and50 getting Mike DeGrand, former President of Harbor Credit Union said, You “Harbor Credit Union has always don’t want to regret a quick % kept the interest ourinterior members in the wanted forefrontchicken of our minds. With that as the wings so they biked 36guiding miles principle, decision. Checkofthe we decided that the way to this was to unite with Fox Communities Credit Union. Inspect thebest interior foraccomplish wear % and tear Don’tfor accept issueson the the ride service to Kaukauna 20 miles damage and check Fox focusesand on water providing the same typeenjoyed ofthe personalized while concentrating If you see problems, mention them and odometer-if it shows low but member’s financial well-being. Their values matched those of Harbor, so this conclusion became % mileage request that ride the seller fix them-if the the inside of the car is disheveled, the were in it for the short & fun 10 mile obvious.” seller won’t fix them and you’re still car may not be what it appears to be. interested in buying the car, negotiate Greg Hilbert, President of Fox Communities Credit Union stated, “Both credit unions share a discount. Check the tires and wheels a deep understanding of our to members and the communities we serve. This $ tire commitment wear-uneven wear was given back to the community! %Look for even % Don’t buy unseen could mean that the wheels or partnership shows how credit unions continue to work together, to improve and expand product Always physically see the car before areall outmembers. of alignment. TRIUMPH men suspension women and service offerings, for With $17,500 the help ofmyTEAM Harbor, we now serve over 99,000 purchasing-pictures can be misleading. $5,000 Refuge Foundation for the Arts members. Staff and Board Members are honored and excited to have Harbor members as part Look participated in at the engine Don’t listen to music sure the coolant is clear and the of thefun-filled Fox Make family.” this ride. $2,500 Winnebagoland BMX Club Inc. When test driving the car, make sure oil, transmission fluid and brake fluid don’t have the stereo on-music can are all the correct colors. Fox Communities Credit Union is 80 years strong with over 400you employees. mask suspicious noises and rattles in We are a financial cooperative, owned by our members, and are committed the car. Vehicle history to making Request significant contributions to the communities we serve. Our staff a Vehicle History Report, Don’t ignore your instincts and Boardrepair Members are dedicated to upholding the “People Helping People” invoices and receipts, and If it feels wrong, don’t be afraid to walk registration be awareparticipated cyclists credit union mantra forinformation the next 80and years! away-trust yourself, as there will always of all new parts. in the second year be volunteers another carwere out there for you. of this exciting event (that’s over twice as hustling & bustling many as our first year!) to help make thisPURCHASE! LET FOX HELP YOU SAVE MONEY ON YOUR NEXT AUTO event successful We welcome all members to visit any of our 22 Fox locations
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47
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25,000
3,200+
200+
including our four newtolocations provided by the Harbor Need replace and or upgrade your auto?partnership! Talk to our auto expert
Tom, before you begin your search for your next new or used vehicle.
old (oldest) to a baby (youngest) 87 year 10 musicians • Have- this Tomisshop you -all Tom shops for a vehicle for many of our members, 220for participated a bike for ages! 0ride Vel p Ave nue
, performed live 800 Weise Street, Green Bay therefore, he How may ard receive a volume buying discount from dealerships.
throughout the • Exclusive discounts - Fox members have opportunity to purchase GAP 6 the stops and Warranty for $300 to $500 less than dealership offers. Luxemburg Main Street, 106 aN. e vu lle Be t, ur 2521 Steffe •ns A Co great deal! - Due to Tom’s extensive knowledge and dealership network, he will help you get a great deal on a vehicle that fits your needs.
www.foxcu.org
Contact Tom at 920.993.3705 or tkostac@foxcu.org Summer/Fall 2017 • Fox Facts | 3
Fox’s New Mobile Banking App.
Download it now!
A Smarter, Simpler, Mobile Banking App You’ve spoken, we’ve listened. Now available in the App Store and Google Play, our all-new Mobile Banking App boasts a completely redesigned look and feel with the same great features, such as: •Mobile Check Deposit • Bill Pay • And more! Because of our new app, we will no longer be updating our old app. Please delete the old app.
$5 Fox Membership Requirement
Did You Know? is now a FREE* service to Fox members. Visit foxcu.org/popmoney to learn more and start using it today! * Standard 3 day transfer is free, 1 day transfer is $1.00 and requesting money is $0.75.
Same-Day Electronic Payments Change
At Fox Communities Credit Union you are more than a customer, you are a member-owner! When you initially joined Fox you became a member by depositing your $5 ownership share into your account. Formerly, the $5 could be maintained in any one of your deposit accounts within your base account number. Over the years, Fox has found that ensuring the $5 deposit is maintained has become more difficult due to the electronic access channels we offer our members. For this reason, we will now be requiring the $5 membership share be kept in the Regular Savings Account (Suffix 000) where a hold will be placed, on the funds, to ensure they are maintained and your membership remains intact. If you have more than $5 in your Regular Savings Account (Suffix 000), no action is required from you. If you currently do not have $5 or more in your Regular Savings Account (Suffix 000), we ask you to transfer $5 from another sub-account or make a deposit to the Regular Savings Account by November 15, 2017.
New capabilities of same-day electronic payments now allow for financial institutions and businesses to acclimate to a faster processing environment. In the past, this type of payment may have taken a day or two before it was withdrawn from your account. This new change means the payment, that you scheduled for today, has a strong possibility of being withdrawn from your account later that same day. Quick tips: • Always have sufficient funds, in your account, to cover anything you authorize at the time you authorize or initiate it. • Review your account activity frequently to avoid overdrafts.
Please refer to your September account statement for more detailed information.
www.foxcu.org
Summer/Fall 2017 • Fox Facts | 4
Credit Union
Buying a Used Car Harbor Credit Union Partnership
Harbor
If you take your time to carry out an inspection plus research a vehicle’s history, buying a used car can be rewarding and cost-effective. Here are some quick tips to follow.
United with Fox!
Registered trademark of Currency Marketing.
bers! Welcome staff & mem
(Weise Street staff pictured above: Jean Lensmire, Deb VanDenBerg, Kurt Carpenter, Shannon Bentz, Mike DeGrand - former president/CEO of Harbor Credit Union, Christy Iniguez, Joy Mueller, and Nikki Baker)
On July 1, 2017, Harbor Credit Union joined Fox Communities Credit Union. This partnership
the exterior Don’tATMs! rush the purchase providesInspect all members with 22 convenient locations, along with more Look for rust, offset doors and fenders, Take your time inspecting the vehicle andformer differences in paint color.Credit Union said,and getting the Union necessary information. Mike cracks DeGrand, President of Harbor “Harbor Credit has always Youthat don’t want to regret a quick kept the interest of our members in the forefront of our minds. With as the guiding principle, decision. Check we decided thatthe the interior best way to accomplish this was to unite with Fox Communities Credit Union. Inspect the interior wear and tear Fox focuses on providing thefor same type of personalized service while concentrating on the Don’t so accept issues and water damage andTheir check the matched those of Harbor, member’s financial well-being. values this conclusion became If you see problems, mention them and odometer-if it shows low mileage but obvious.” request that the seller fix them-if the the inside of the car is disheveled, the seller won’t fix them and you’re still car mayPresident not be what it Communities appears to be.Credit Union stated, Greg Hilbert, of Fox “Both credit unionsthe share interested in buying car, negotiate a deep understanding of our commitment to members and the communities we serve. This a discount. Check the tires and wheels partnership shows how tire credit unions continue Look for even wear-uneven wearto work together, to improve and expand product Don’t buy unseen could mean that the wheels or and service offerings, for all members. With the help of Harbor, we now serve over 99,000 Always physically see the car before suspension are out of alignment. members. Staff and Board Members are honored and excited to have Harbor memberscan as part purchasing-pictures be misleading. of the Fox family.” Look at the engine
Don’t listen to music Make sure the coolant is clear and the Fox Communities Credit Union is 80 years strong with over 400 employees. When test driving the car, make sure oil, transmission fluid and brake fluid don’t have the stereo on-music can We are aare financial owned by our members, and are you committed all the cooperative, correct colors. mask suspicious noises and rattles in to making significant contributions to the communities we serve. Our staff the car. Vehicle history and Board Members are dedicated to upholding the “People Helping People” Request a Vehicle History Report, credit union mantra for the 80 years! Don’t ignore your instincts repair invoices andnext receipts, and If it feels wrong, don’t be afraid to walk registration information and be aware away-trust yourself, as there will always of all new parts. be another car out there for you.
We welcome all members to visit any of our 22 Fox locations LETincluding FOX HELP YOU SAVE MONEY ON YOUR NEXT AUTO PURCHASE! our four new locations provided by the Harbor partnership! Need to replace and or upgrade your auto? Talk to our auto expert Tom, before you begin your search 2200 Velp Ave nue, for your next new or used vehicle.
800 Weise Street, Green Bay
Howard
• Have Tom shop for you - Tom shops for a vehicle for many of our members, therefore, he may receive a volume buying discount from dealerships. 106 N. Main Street, Luxemburg
llevue - Fox members have the opportunity to purchase GAP • Exclusive discounts 2521 Steffens Court, Be and Warranty for $300 to $500 less than a dealership offers.
• A great deal! - Due to Tom’s extensive knowledge and dealership network, he will help you get a great deal on a vehicle that fits your needs. www.foxcu.org
Contact Tom at 920.993.3705 or tkostac@foxcu.org Summer/Fall 2017 • Fox Facts | 5
SAVVY $ AVING - Be an Expert Saver Fox takes pride in helping members save money. Learn how you can become an expert saver, make your money go further and MAKE SAVINGS HAPPEN!
up!
Save
Do you always toss your extra change into a jar or piggy bank? How would you like to virtually toss coins into a jar when you use your debit card for purchases? Fox debit cardholders can sign up for our optional SaveUp! savings program that rounds up transactions to the next dollar and puts that money into a separate account for you. SaveUp! for your next vacation, a treat you have always wanted... the possibilities are endless! Ask to set up your SaveUp! account today!
Savings is just a click away, with our FREE Mobile Coupon App! Within the Hot Diggity Dough App, search for special offers and discounts from over 1,600 of the most popular national retailers, restaurants and local merchants. Redeem your savings by showing the coupon on your mobile device and don’t forget to use your Fox debit or credit card when making your purchase. Access Hot Diggity Dough easily: • Within Fox’s free Mobile Banking App under COUPONS • Download the Hot Diggity Dough App • Or text “Foxcu” to 920.214.0124
Bike and save! Fox has partnered with Bicycle Benefits! How would you like to save a little money just by biking? Stop by any Fox Communities location to purchase your $5 helmet sticker. It’ll provide you with discounts or rewards at participating Bicycle Benefits restaurants, shops, cafes, grocery stores, and other businesses, throughout Green Bay, Fox Cities and surrounding areas. Bike on over to a Fox location near you to pick up your Bicycle Benefits savings sticker and redeem your special Fox reward! Check out a list of participating businesses at bicyclebenefits.org
www.foxcu.org
Summer/Fall 2017 •
Fox Facts | 6
Registered trademark of Currency Marketing.
Inspect the exterior
Look for rust, offset doors and fenders, cracks and differences in paint color.
Check the interior
Inspect the interior for wear and tear and water damage and check the odometer-if it shows low mileage but the inside of the car is disheveled, the car may not be what it appears to be.
Check the tires and wheels
Look for even tire wear-uneven wear could mean that the wheels or suspension are out of alignment.
Look at the engine
Make sure the coolant is clear and the oil, transmission fluid and brake fluid are all the correct colors.
Vehicle history
Request a Vehicle History Report, repair invoices and receipts, and registration information and be aware of all new parts.
Don’t rush the purchase
Take your time inspecting the vehicle and getting the necessary information. You don’t want to regret a quick decision.
Don’t accept issues
If you see problems, mention them and request that the seller fix them-if the seller won’t fix them and you’re still interested in buying the car, negotiate a discount.
Don’t buy unseen
Always physically see the car before purchasing-pictures can be misleading.
Don’t listen to music
When test driving the car, make sure you don’t have the stereo on-music can mask suspicious noises and rattles in the car.
Don’t ignore your instincts
If it feels wrong, don’t be afraid to walk away-trust yourself, as there will always be another car out there for you.
LET FOX HELP YOU SAVE MONEY ON YOUR NEXT AUTO PURCHASE! Need to replace and or upgrade your auto? Talk to our auto expert Tom, before you begin your search for your next new or used vehicle. • Have Tom shop for you - Tom shops for a vehicle for many of our members, therefore, he may receive a volume buying discount from dealerships. • Exclusive discounts - Fox members have the opportunity to purchase GAP and Warranty for $300 to $500 less than a dealership offers. • A great deal! - Due to Tom’s extensive knowledge and dealership network, he will help you get a great deal on a vehicle that fits your needs. Contact Tom at 920.993.3705 or tkostac@foxcu.org www.foxcu.org
Summer/Fall 2017 • Fox Facts | 7
Buying a Used Car
If you take your time to carry out an inspection plus research a vehicle’s history, buying a used car can be rewarding and cost-effective. Here are some quick tips to follow.
3401 E. Calumet Street Appleton, WI 54915
Our Mission
Focus On Making Life Happen
balance transfers & cash advances with your Fox Rewards Credit Card!
LIMITED TIME OFFER STARTS OCTOBER 1st
Don’t Have a Fox Rewards Credit Card? Apply today at foxcu.org/visa-credit-card
NEW HOME HAPPY DANCE Home loans with as little as 3% down payments!
We at Fox Communities Credit Union have a commitment to enrich the quality of life for our members through personalized financial services. The Credit Union is dedicated to the protection of our members’ financial well-being and to operate in an economically sound manner. The Credit Union will provide an atmosphere of professionalism, friendliness, and mutual trust. We shall remain strong in the communities through our support and involvement.
Find Us: facebook.com/foxcu Watch Us: vimeo.com/foxcu Call Us: Appleton Area
920.993.9000
Black Creek Clintonville Green Bay Area Luxemburg
920.984.4200 715.823.2191 920.490.2900 920.431.6688
Manitowoc New London
920.682.6946 920.982.9420
Oshkosh Two Rivers
920.233.2890 920.793.1700
Apply online 24/7
www.foxcu.org Federally insured by NCUA. Equal Housing Opportunity.