I was proud to refer my son to the HCECU because I knew first-hand they could help him reach his financial goals. Lisa & Allen Members since 2000/2011 Quarterly Interest Help Our Credit Union Family Did you know that you're part of our family? And, as credit union kinfolk, you can help our family grow. By referring a friend or loved one to the credit union, you are granting them lifelong access to affordable financial products, better rates on loans, higher yields on savings, and lower fees on transactions as well as superior mem- GROW! ber service and educational resources. At the same time, you are strengthening the entire credit union membership as well as the global credit union movement. A credit union is more than just a place to put your money, but rather a trusted partner who wants to help you reach your goals. Credit unions are organized to serve, are democratically con- Read more about other credit union member experiences on Facebook too! trolled, and provide their members with a safe place to save and borrow at reasonable rates. Those of us in the credit union family have experienced this first-hand, so why not share it with others? Pass along the benefits of membership to your inner circle by making them a part of the Credit Union Family. Help them join today - visit, call, or stop by our branch! Get Behind the Wheel on a: GREAT DEAL! Looking for a great deal on a newer used vehicle? We are once again partnering with Enterprise Car Sales to get you the perfect used car package. Purchase a vehicle in the month of October and get a low promotional rate from HCECU! Need totrade your current car? No problem! Hampton City Employees Credit Union 22 Lincoln Street, 3rd Floor Hampton VA 23669 (757)-727-6224 Fax (757)-727-6898 1« October 2014 Issue Enterprise will give you Kelley Blue Book Trade-in value on your vehicle plus up to $500! Contact us to get preapproved today! This deal won’t last long! Email us: hcecu@hampton.gov Visit our website: www.hcecu.org Stay connected with us: www.facebook.com/hcecu Check reorders: 1-800-355-8123 Hours of Operation: Mon-Thurs 9AM—3PM Friday 9AM—4PM A Quarterly Publication for the Members of Our Credit Union 5 1. Have a “rainy day” fund. Most financial advisors will tell you to have an emergency (rainy day) fund of between three to six months of salary. 2. Have a true-to-life budget. Keep a record of every amount you spend over a period of several weeks. Doing this will let you know where your money actually goes. This will help you decide what expenses can be cut and how much can be saved by cutting them. 3. Set long-term goals. Do you know where you want to be financially, a year from n o w , five years from now, or twenty years from now? Write priorities down, periodically review them, and decide what you have to do to meet them. 4. Shop for the best interest rates. Interest adds up quickly whether you are investing in share certificates or taking out a new car loan. 5. Pay yourself first. Don't pay everyone else first. If possible, save at least ten percent of everything you earn. When doing a budget, figure the “pay yourself first” into your budget. 2« October 2014 Issue Thanking our VETERANS November 11th is VEtErANS DAy and we, at the credit union, would like to take this opportunity to thank our veterans: the men and women who have served their country, allowing us to have the freedoms we enjoy today. Whether they served on active duty or reserve, during peacetime or a time of conflict, they served their county with honor. We also want to thank the family members and thousands of volunteers who have stood by and supported our veterans. Thanks all — military members and their families, present and past. Less WORRY and MoreMERRY with a Holiday Loan The holidays are upon us...in addition to bright lights, family gatherings, and yuletide cheer, comes the financial stress of the season. While we should be focusing on making holiday memories, many of us get caught up in the financial frenzy of the season. Are you trying to check off that never-ending gift list, or budget for travel expenses, holiday entertaining, and end-o f - y e a r bills? Would some extra cash at holiday time help ease the worry and bring on the merry? If you answered “yes” to these questions then a HCECU Holiday Loan may be your solution! A convenient, money-saving holiday loan is an affordable way to obtain funds for those extra holiday expenses. Low rates, flexible terms and payment options will help you regain control of your holiday spending. Apply today to ensure a stressfree holiday season! Visit our Website, call, or stop by our branch location. S TRETCH Your Dollar with a Low-Rate Credit Card Credit unions do all they can to help members stick to their budgets and stretch their earnings and that includes offering an affordable credit card. In our current economy, the cost of living has increased significantly, even surpassing the average monthly income. Not only does this make saving difficult but also makes the use of credit cards among most consumers something of a necessity. In fact, one would be hard pressed to find an American without at least a single credit card in his or her wallet. For credit union members, it would be financially wise to make a CU credit card their primary choice. A Quarterly Publication for the Members of Our Credit Union