F e d S t a r Credit Union Summer Issue Building Member Relationships for Life July 2015 Holiday Closures: Monday, September 7 Labor Day Monday, October 12 Columbus Day Wednesday, November 11 Veterans Day Thursday, November 26 Thanksgiving Day Friday, November 27 Staff Appreciation Friday, December 25 Christmas Day Loyalty: We have been providing a safe and sound financial cooperative where you can deposit funds, access your funds securely and benefit from higher rates on your deposits. We appreciate the opportunity to serve you with respect and provide you with a higher level of personal service. We are loyal to our members and we hope that your will be loyal to us, too. Please make use of the credit union when you borrow funds to purchase a vehicle, buy a house, or need to make home improvements. We value each and every one of our members and are committed to serving you! GOT CREDIT? 701 Harvey Rd College Station, Texas Phone: 979.846.7456 Fax: 979.846.6866 FedStar does offer a VISA® credit card. We have fixed low rates as low as 6.49%* APR Summer Skip-A-Pay If you have a loan with FedStar Credit Union you may be able to skip a payment over the summer months. The Skip-A-Pay program allows our members in good standing and that have made at least 3 months of payments to keep some extra cash in their pocket. Fill out the form and pay a small $30.00 fee. Start planning now on a fun way to use the extra cash, worry free! Call or stop by the credit union for more information or, access the Skip-A-Pay form on our website: (wwww.fedstarcu.com) depending on credit worthiness. The card also offers NO transaction fee on cash advances and the same interest rate as a regular card purchase. This card is full of great benefits for our members. If you have a card and would like to see if you are able to have your line of credit increased, you can simply apply for a line of credit increase online or come into the credit union to fill out the form. www.fedstarcu.com Want to save a little extra money for a summer vacation? FedStar Credit Union values your membership. Since 1961 our credit union has been serving members by providing quick and easy loans—when you need help most. Please visit our website to view all the great rates on credit card, loans, and CD’s. www.fedstarcu.com *Interest Rate not available to all borrowers your rate may very. There are a few basic practices you should follow to increase your debit/credit card safety.      Security: Monitor your credit card and account statements online on a weekly basis. Reconcile your accounts for accuracy. Report lost or stolen cards immediately and cancel all inactive accounts. When using your card at checkout, do not volunteer any personal information. Do not offer any personal information to people you do not know. If you’ve applied for a new card and don’t receive it in a timely manner, or if a replacement card is not received prior to your card’s expiration date, contact your financial institution immediately. Make sure you activate your card according to instructions received with your replacement card. Shred sensitive documents before disposing of them, install anti-virus and anti-spyware software on all computers, and change your passwords regularly. Commitment: Beware of Flood Damaged Cars FedStar Credit Union has made a firm commitment to give back to the community in which we serve. We would like your input to determine where our credit union donations might have the best impact in our community. We are focused on the community in which our members live and work. Help us help others by suggesting your favorite cause. Simply send an email to us at fedstar@fedstarcu.com . Once you send us your thoughts, we will compile a list to choose from. Thoughts Matter! Whether it’s the Food Bank, Habitat for Humanity or children and education let us know by July 31st. We want to make our donations meaningful and create and enhance a higher quality of life in our communities. Welcome to Paradise! Begin your new car adventure at Fedstar Credit Union. With rates on new or used vehicles as low as 1.49% APR, (we can run a CarFax report just for you) The FTC recently released a Scam Alert warning consumers against unknowingly buying vehicles that have been damaged by floods in the Midwest and Southeast and are now being distributed around the country. Buyers are urged to check the vehicle’s history, have a mechanic check any vehicle before purchase, and do some investigating of their own. FedStar Credit Union can help you find the best car to fit your needs. Call us to run a CarFax report at a discounted rate that will help you determine the best options. When in doubt, use your commonsense! Sniff out mildew and use of excessive deodorizers; see if there is condensation in the headlights and taillights and check to see if there are water stains. For more information, call us at 979-846- you can afford to step up to the luxury of a new car or truck! Refinances are welcome at the same great rates* Offer ends July 31,2015. Shopping for a Car? Get the application in FAST! *Existing Fedstar loans do not qualify for refinance. AskAuto™ Apply today or call the credit union for more information! Download the APP to your Smartphone! Trust: Higher rates? You’ve earned it! Compare your savings rates: Financial Institution FedStar Credit Union’s Board of Directors have declared dividend FedStar Credit Union Shares rates that are 50% higher than our FedStar Credit Union Drafts dividends paid last quarter! Thank you for being a member of the Credit Wells Fargo Platinum Savings Union! We value our members! Look for all our new rates updated on our website under the savings tab. Dividend rates are paid to members after all expenses are paid. Dividend rates are subject to change. Rates 0.15%  Scan a car's VIN to get information on your dream vehicle, including the average retail cost and EPA mileage estimates.  Compare, rank and take notes about vehicles as you make your buying decision.  Learn about loan options through custom messages from the Credit Union -while your on the dealer's lot!  Apply for a loan from anywhere using their Smartphone  The AskAuto app prefills the loan application with saved vehicle data 0.15% 0.01% Bank of America Gold Savings 0.03% Bank of America Banking with rewards 0.08% Chase Plus Savings 0.03% Chase Premier Checking 0.01% Aggieland Credit Union 0.05% First Convenience Bank 0.05% *Rate survey based on information obtained from individual Financial Institution websites as of 6/19/15. FedStar Credit Union makes no claims or guarantee of internet rates paid or earned on accounts by other financial institutions. GET THE APP TODAY! (on Android and Apple Smartphones)