Veterans, your new home is possible! The U.S. Department of Veterans Affairs provides a guarantee on behalf of an eligible veteran that will cover all or part of a down payment for a purchase, or will guarantee a portion of the loan amount for a refinance. Depending on the amount of the actual individual benefit, the entitlement provides veterans with the ability to obtain mortgages for up to 100% of the value for a primary residence. We offer 10-, 15-, 20- and 30-year fixed terms. In addition, Private Mortgage Insurance (PMI) is not required on VA mortgages. Now is the time to apply. Call our mortgage experts at 586-466-7800 opt. 2. NMLS #411386 Property tax exemption For veterans We’ve got some of the lowest rates around. We save members money everyday by refinancing their non-CMCCU loans. If you’re paying more than 5.0% on a vehicle loan, give us a chance to save YOUmoney by comparing rates and terms. If we can’t get you a lower rate, we’ll pay you $25.* If we can, you win. You’ll save even more. For veterans who qualify for the disabled veteran’s property tax exemption, don’t forget to take your disability letter and your completed exemption form to your tax assessor to be reviewed in the December Board of Review. Senate bill 352 says: Sec. 7b. (1) Real property used and owned as a homestead by a disabled veteran who was discharged from the armed forces of the United States under honorable conditions or by an individual described in subsection (2) is exempt from the collection of taxes under this act. To see if you qualify, visit our website at: http://tinyurl.com/VALoansTaxExempt Our Senior Real Estate Lending Manager, Phil Modzelewski, can answer your questions also at 586-466-7800 ext. 228. NMLS# 1136126 *Rates below 5% do not quality. Must complete application to qualify for $25. NEW MONEY ONLY. Check out CMCCU Staff in the community at www.cmccu.com/about-cmccu/our-community. Take us with you! Our mobile app is just what you need to check your balance or manage your account while you’re traveling. Our mobile app will allow you to: • Check your balance • Transfer funds between accounts • Pay bills (must first establish payees on virtual branch) • See transaction history STEP 1: Enroll in Virtual Branch (enrollment information is found on our website at http://www.cmccu.com/member-resources/online-services/mobile-banking) STEP 2: Download the mobile app: • Go to the app store (for iPhones) or Google Play (for Droids) • Search for touchbanking (all one word) • Type in the app code: cmccumobile • Then enter your user name and password (same as Virtual Branch)) Holiday Closures November 11, Veterans Day Branch offices will be closed. Please use our Clinton Twp. Drive Thru from 9 a.m.-6 p.m. or Call Center from 9 a.m. – 5 p.m. November 27, Thanksgiving Closed Immediate Openings There is an opening on our Board of Directors. This is a great opportunity for you to make a difference for the members of CMCCU. The Board of Directors views its role in guiding the credit union as: • Providing safe and sound financial stewardship of the assets of the credit union. • Providing the membership with the high quality financial services at competitive prices. • Providing opportunities for the membership to improve their economic and social condition. • Hiring the CEO and reviewing his/her performance. • Setting policy, strategic direction and articulation the mission of the Credit Union. This is accomplished through planning, adopting appropriate policies, and oversight of the credit union's management. Business and/or financial experience is preferred. Interested parties should send resume to: Central Macomb Community Credit Union For questions, please contact Attention: Jennifer Morrison Drema Isaac at 586-466-7800, ext 121 Mail: P.O. Box 2800 Mount Clemens, MI 48046 or Email: jmorrison@cmccu.com Our Supervisory Committee is also seeking volunteers who can contribute 4-5 hours a month to give back to your credit union. Our Supervisory Committee is a group of volunteers that visit our branches each month to audit them. Training will be provided. No experience necessary, just a willingness to lend a hand. Contact Drema Isaac for more information at 586-466-7800 ext 121. SAVE TO WIN! Congratulations to the recent winners of $50! Alice C. Derek M. George D. Kevin K. Neil F. Pamela B. Damon C. Frances B. Jason K. Marylin S. Thomas N. Operation “Sponsor a Box” During November and December, we will ll be accepting monetary donations and small mall items to include in care packages for overseas rseas troops. Donation drop boxes will be set up in our branches for items such as beef jerky, y, baby wipes, batteries, gum, hard candy, dentall floss or lip balm. A complete list of items needed ded can be viewed at: www.cmccu.com/military-services. services. In addition, with your help, we want to honor n by and thank all our service men and women ackages. sending thank you cards with the care packages. Please ask for a blank note card from ourr staff the mpleted. next time you visit and return when completed. For more information on the Operation Sponsor a Box program go to www.ocpmi.com. Home Equity Line of Credit Let your home give back to you with a HELOC for as low as 3.25% APR*. A full appraisal is not ott required and you can borrow up to 95% of the value alue lue of your home. What a great way to kick-start your holiday shopping by paying off credit cards with double-digit rates or other bills. For more details, contact 586-466-7800 opt. 2. *APR= annual percentage rate. A fully protected loan of $50,000 at 3.25% APR for 180 months would have a monthly payment of $351.33. Promotional rate is subject to change at any time without notice. Equal opportunity lender. NMLS #411386 IRA Change Notice Currently, a taxpayer is permitted to rollover one IRA distribution per 12-month period for each IRA they own. This will remain in effect through December 31, 2014. When the IRS applies its new interpretation (currently targeted for January 1, 2015), an IRA owner may complete only one IRA rollover in any 12-month period, regardless of how many IRAs the individual owns without regard for the type of IRA: Traditional, Roth, and SIMPLE. IRA owners need to be prepared and plan should they consider an IRA to IRA rollover in 2015. This interpretation will not affect a rollover from a qualified retirement plan to an IRA or direct transfers from one financial institution IRA to another financial institution IRA. PO Box 2800 Mt. Clemens, MI 48046 www.cmccu.com 586-466-7800 It’s all about you! CHESTERFIELD 47011 Sugarbush (East of I-94) Lobby/Drive Thru: Mon.-Th. 9 AM to 5 PM Fri. 9 AM to 6 PM Sat. 9 AM to 1 PM CLINTON TOWNSHIP 37570 Gratiot (North of 16 Mile) Lobby: Mon.-Th. 9 AM to 5 PM Fri. 9 AM to 6 PM Drive Thru open until 7 PM Lobby/Drive Thru: Sat. 9 AM to 1 PM SELFRIDGE ANGB Building 715 (base access req’d.) Lobby/Drive Thru: Mon. Closed Tues.-Fri. 9 AM to 5 PM (closed from 12:30 PM - 1:30 PM daily) Sat. Closed STERLING HEIGHTS 34642 Van Dyke (South of 15 Mile) Lobby/Drive Thru: Mon.-Th. 9 AM to 5 PM Fri. 9 AM to 6 PM Sat. 9 AM to 1 PM