Issue 7 Inside this issue Newsletter July 2014 Lagniappe News Used Wheels Might Be Best Deals Buying a used car is a financially smart thing to do, experts say--even for people who have the cash to buy whatever kind of car they want. One of the biggest advantages of buying a used car is that you won’t suffer the depreciation that wallops new car buyers. Even one-year-old used cars are 20% to 30% cheaper than new cars. Other good reasons to buy a used car include: • Used cars are more reliable and safer today than ever before; • You may be able to buy more “car” if you buy used. For example, you may not be able to afford a new SUV, but a used one could be more in your price range; • Many auto manufacturers are offering extended warranties on new cars, which means a used car still could be under warranty; • More manufacturers are selling certified used cars that include warranties; • You easily can trace the history of a used car using the Vehicle Identification Number; • Depending on the age of the vehicle, we offer used-car loans at 100% of blue book value; • Financing used cars has never been easier--be sure to contact Bonnie at Fleur De Lis Federal Credit Union today. At your convenience; 504-838-5456 ext. 209 or toll free at 1-800-2569072 ext. 209, bmichel@fdlfcu.com FEE NOTICE: The credit union will be placing into effect an excessive withdrawal fee for all regular share accounts. Share accounts will be allowed 3 free withdrawals per month. After 3 withdrawals, there will be a $3 fee per withdrawal. These withdrawals include but are not limited to ACH withdrawals, ATM Withdrawals, Cash Withdrawals, and Shared Branching Withdrawals. Overdraft protection transfers will be exempt from the monthly withdrawal count. This new fee will be implemented on July 1st, 2014. Please feel free to contact us if you have any questions or concerns. PRESIDENT’S MESSAGE FEATURED PRODUCT Signature loan special VISA SPECIAL tuition loans auto loans UPCOMING HOLIDAYS CONTACT INFORMATION 1 1 2 2 2 2 2 2 Featured Product Coming Soon Relationship Checking We Value Your Relationship Want a FREE checking account? It’s Easy, Just Perform... 15 Or More Monthly Debit Card Purchases OR Maintain a $1000.00 minimum checking account balance for the entire month PLUS: Free Overdraft Transfers From Savings Unlimited Check Writing Free E-Statements Free Online Banking Starts August 2014 * Transaction count dates are based on the 2nd to last business day of previous month. Contact us for details. Big Plans? UPCOMING HOLIDAYS We Can Help INDEPENDENCE DAY Closed Friday, July 4, 2014 Personal loans are, well, personal. Are you thinking of a ... LABOR DAY Closed Monday, September 1st • Remodeling Project? • Wedding? • Debt Consolidation? • Tax Obligation? • Large Household Purchase? • Dream Vacation? Whatever your needs, we can help with our new Signature Loan Special. Borrow $3000.00 and up to qualify for a special loan rate as low as 6.5%*. Visa Special New Low Introductory Rate CONTACT INFO Rates As Low As 4.9%1 www.fdlfcu.com No Annual Fee 504-838-5456 No Fee On Balance Transfers 1-800-256-9072 Special Rate of 3.9% for Share and CD Secured Visa Cards Metairie 433 Metairie Road Suite 114 Metairie, LA 70005 Fax: 504-838-5463 Downtown 1450 Poydras Street Suite 628 New Orleans, LA 70112 Fax: 504-309-4934 Special rates through one year after signing. After that date, interest will accrue on all remaining balances at 12.9%. Applies to new VISA applications only. Special rates increase immediately to 12.9% if account is delinquent, or over the limit during the special rate cycle. 1 Fill The Gap With a Tuition Loan Private schools and College tuition aren’t cheap. The price tag keeps going up--while financial aid allotments and grant funds keep going down. We can fill the gap. We can help you explore private tuition loan options when federal loans or savings don’t cover these steep costs. It’s Time to Get Back in the Game Auto Loan Rates as low as 1.99%* Your Savings Federally insured to $250,000 2 Life keeps moving, even when you’re waiting on the sidelines. Don’t miss the good times happening right in front of you. See us about our low auto loan rates today. *Rates based on credit approval.