1. finance
2. personal finance
3. lending
4. credit cards

November 2014
Wishing you a
Happy Thanksgiving!
teamonecu.org
Follow us on Facebook and Twitter for special
offers, upcoming events and prize give-aways!
A Team One Mistledough Loan is a great way to
get dough for the holidays. Mistledough is a short
term, fixed rate loan with an interest rate as low as
6.99% APR*. Finish your shopping list, plan a vacation
or use it for whatever you need extra funds for.
∫∫Rates as low as 6.99% APR*
∫∫Easy on your budget-just 11 monthly payments
∫∫Once approved, the funds can be directly deposited
into your account ready for use
Call, stop by or apply online today!
*6.99% APR represents our best rate and is subject to credit approval. Rates are
subject to change. To determine your rate, please contact Team One.
Mistledough is Here!
* Guaranteed Holiday Cash subject to three months verifiable
employment or receipt of benefits and having direct deposit
equaling $1,500 net per month into your Team One account.
Member account(s) must be in good standing. Single credit life
and single credit disability included for those eligible. Offer good
through December 31, 2014. Other loan amounts and terms
available. See Team One for details.
Looking for a quick, easy way to get some extra cash
this holiday season? With our Skip-A-Payment*
program, you can skip your TOCU Auto Loan,
Signature Loan or Debt Consolidation Loan
payment(s). Use the money for holiday expenses,
a vacation or just enjoy the extra cash from not
having to make your monthly payment(s).
Now, for a limited time, when you finance an Auto Loan with us
for $2,500 or more, you’ll get 10,000 ScoreCard Reward Points
redeemable for great merchandise, gifts and travel!
Take advantage of the great Fall car & truck deals and great Team
One Auto Loan rates as low as 2.49% APR* up to 60 months!
It’s easy to apply. Visit teamonecu.org, call or stop in today! Use our
convenient e-sign option and you can electronically sign account
and loan documents right from your internet accessible device or
smart phone- saving you a trip to the credit union!
If you already have an auto loan from another financial institution,
consider refinancing to Team One and save!
There is a $25 processing fee for each skipped
loan. Call, stop in or visit teamonecu.org for a
skip-a-payment form.
*Finance charges continue to accrue during the skipped payment period.
Qualifying loans to be skipped must be current. Please note that First
Mortgages, Second Mortgages, Home Equity Loans, Mistledough, Credit
Cards, Line of Credit, Commercial or Business Loans and any loans
disbursed within the last 31 days are not eligible for this offer. A $25
processing fee will be assessed for each postponed loan. Each loan may
only be postponed twice per year. (Members can have one skip-a-pay
plan in any six month period, but no more than two in a twelve month
period.) If you have automatic payment set up through another
financial institution for the payment you wish to skip, you must
notify that financial institution so that the payment will not be
automatically sent by them. The credit union reserves the right
to withdraw this offer on an individual basis subject to payment
history and criteria.
Don’t delay, apply today! ScoreCard Rewards points offer ends
December 31, 2014.
*Rate based on credit history. Other rates and terms available. Rates are subject to change. To
determine your rate, please contact Team One. To receive the 10,000 ScoreCard Reward Points offer,
you must currently have or qualify for and open a Team One Visa Credit Card with ScoreCard Rewards.
ScoreCard rewards can be redeemed for great gifts and travel. To check your point balance, redeem
reward points, or get more information about ScoreCard Rewards, visit www.scorecardrewards.com.
Commercial Loans and More
for Your Business
Give yourself the gift
of a low rate Visa
this holiday season
Matt Peterson
John Hunter, Jr.
At Team One, you’ll get the competitive rates and personal
service you need to get your commercial real estate project
financed. Our variety of Commercial Loans offer low rates
and flexible terms to help you achieve your business goals.
Plus we have a full line of Commercial Services for
businesses including Interest Bearing Checking Accounts,
Commercial Visa Credit Cards, High Yield Savings Products,
Direct Deposit/Payroll Services, Merchant Card Services,
and more.
Visa Super Bowl XLIX Sweepstakes+
The Visa Super Bowl XLIX
Sweepstakes gives fans a chance
to win a trip to Super Bowl XLIX in
Arizona. Use your Visa card now
through November 30, 2014 to be
automatically entered for a chance
to win the Super Bowl experience
of a lifetime, courtesy of Visa.
That’s right, get a $1,000 loan for the holidays guaranteed*!
Here’s how it works: Tell us you want Guaranteed Holiday
cash*—all you need is three months of verifiable
employment or receipt of benefits and
$1,500 net direct deposit monthly with
us—and we’ll do the rest! Guaranteed
Holiday cash* is a 12 month loan
featuring affordable payments
of just $96 per month. Get your
Guaranteed $1,000 Holiday Loan*,
call or visit us today!
Skip-A-Payment* for Extra
Cash This Holiday Season!
Get a Low Rate Auto Loan and
10,000 ScoreCard Reward Points*!
A Team One Visa Platinum has rates
as low as 9.9% APR*, no annual fee
and the option to earn ScoreCard
Reward Points**! You can even
personalize your card with a favorite
photo for free. Apply today to get
your card in time for the holidays!
Guaranteed Holiday Cash*!
John Hyatt
Andrew Tracey
Contact Team One’s Commercial Services today
to discuss how Team One can help you and your
business.
Auto Dealer Spotlight on Tubbs Brothers in Sandusky
*Rate based on credit history. Other rates and terms
available. Rates are subject to change. To determine
your rate, please contact Team One.
**ScoreCard Reward Points are earned on purchases
made with your Team One Visa with ScoreCard and can
be redeemed for great gifts and travel. To check your
point balance, redeem reward points, or get
more information about ScoreCard Rewards, visit
www.scorecardrewards.com.
+For more information and official rules of the
sweepstakes, visit visa.com/nflpromotion.
502941_Nov14News.indd 1
10/28/14 3:25 PM
Locations
Saginaw – Main Office
520 Hayden Street, PO Box 1260
Saginaw, MI 48606
989.754.6575
Bad Axe
499 Brick Street, PO Box 146
Bad Axe, MI 48413
989.269.9557
Team One Investment Services
Can Help You Invest in Your Future
Do you have CD’s that are about to mature? Do you have questions about your 403b plan? Do you
want to start a financial plan? Steven Masker, Team One’s Investment Center Financial Advisor, can
provide a no obligation review of your finances and a professional opinion about your investment
options. Registered Representatives offer securities through Sigma Financial Corporation; Member
FINRA/SIPC. Make an appointment with Steven today!
Online Tool Available:
Visit teamoneone.cuadvisors.com for valuable
financial information including articles and videos
as well as financial calculators and newsletters.
Not NCUA or FDIC insured, not a deposit product,
not a condition of any credit union service, no
credit union/affiliate guarantee, may lose value.
Bay City
401 E. Midland Street
Bay City, MI 48706
989.671.0077
Caro
1130 Cleaver Road, PO Box 64
Caro, MI 48723
989.673.2042
Saginaw Township
4075 McCarty Road
Saginaw, MI 48603
989.799.9326
Sandusky
625 S. Sandusky Road, PO Box 328
Sandusky, MI 48471
810.648.3900
Thomas Township
8450 Gratiot Road
Saginaw, MI 48609
989.781.5044
24 Hr. Telephone Teller
800.968.7739
989.754.9699
Toll Free
888.288.3261
Lost or Stolen Credit Card
800.325.3678
Lost or Stolen Visa Check Card
800.500.1044
teamonecu.org
Team One’s routing transit
number is 272484470.
We do business in accordance with
the Federal Fair Housing Law and
the Equal Credit Opportunity Act.
Important Notice for Business Merchant Service
Members-Beware of Phishing Scam
Debit Card Users:
If you are planning any large dollar
purchases in a single day this holiday
season (such as the day after
Thanksgiving), please be sure to contact
us at 989.754.6575 so that we can
review the spend limit on your Debit Card
and make adjustments in advance if
necessary. This could help avoid having
transactions denied at the register.
We have been made aware of a current phishing scam
regarding merchant services for credit card processing. If
you receive a phone call from a company stating that there
was a security breach and you need to update your credit card
processing machine, please be aware. We recommend that
you call the credit union before providing any information or
filling out any forms. Please remember-Your Credit Union and
your credit card processing company will never contact you
and ask for information that we already have. If you have any
questions, please contact Team One at 989.754.6575.
Community Impact
Team Update
The Team One Community Impact team has volunteered
over 2,000 hours in our communities so far this year.
Helping keep our highways clean through the AdoptA-Highway program, volunteering at the Thumb Bread
Basket in Bad Axe, Vassar CROP Walk to fight hunger, and
supporting area Alzheimer’s walks are just a few of the
programs that the community involvement team have
helped out at recently.
Congratulations to Russ Dickens, an Accounting Specialist
at the Main office, who biked 175 miles and raised $523 for
MS during Bike MS in Frankenmuth.
Way to go—Community Impact Team members participated
in the Making Strides for Breast Cancer walk in Saginaw
recently raising funds for the American Cancer Society.
See you at the PRIDE in Saginaw Annual Christmas Parade
on November 22 beginning at 11 am.
AARP Smart Driver
Course Offered
Board of
Directors and Credit
Committee Nominations
Team One is currently accepting nominations for
candidacy on our volunteer Board of Directors and
Credit Committee. 3 positions are open for the Board of
Directors, 1 position is open for the Credit Committee,
and 2 positions are open for Credit Committee
alternates. The Nominating Committee seeks at least
one member in good standing to each of the available
positions.
If you are interested in volunteering your time and
expertise to serve your credit union, please
contact the nominating committee at
nominatingcommittee@teamonecu.org.
The Committee will review applicant’s qualifications,
their ability to serve, and the strengths and diversity that
the nominee would bring to the Board of Directors or
Credit Committee. Mail submissions to:
Team One Credit Union, Attention: Nominating
Committee, PO Box 1260, Saginaw, MI 48606.
All submissions must be received no later than
December 5, 2014.
Please Note: We will no longer be selling U.S.
postage stamps beginning January 1, 2015.
502941_Nov14News.indd 2
Team One is hosting a two day AARP Smart Driver
Course on January 13 and 14 from 10 am-2 pm. at
our Saginaw Township branch for members. Offered by
AARP Driver Safety, this course is designed especially
for drivers age 50 and older. By taking a driver safety
course you’ll learn the current rules of the road,
defensive driving techniques and how to operate your
vehicle more safely in today’s increasingly challenging
driving environment. You may also be eligible to receive
an insurance discount upon completing the two day
course and receiving your certificate of completion,
consult your insurance agent for details. AARP
membership is not required and there are no tests
to pass. Seating is limited. Please call the Team One
Marketing department at 989.754.6575 to register.
Holiday Hours
THANKSGIVING
Thursday, November 27th-Closed.
Happy Thanksgiving!
CHRISTMAS
Wednesday, December 24-Drive Thru hours 8:30 am-12:30 pm.
Lobby Hours 9:00 am-12:30 pm.
Thursday, December 25-Closed.
Merry Christmas!
NEW YEAR
Wednesday, December 31-Drive Thru hours 8:30 am-12:30 pm.
Lobby Hours 9:00 am-12:30 pm.
Thursday, January 1, 2015-Closed.
Scholarship Applications
for High School Seniors
Now Available
As part of our ongoing commitment to
education, Team One is proud to provide several
college scholarships to local high school seniors.
If you are a high school senior planning to
attend college, we encourage you to apply for
a Team One Scholarship. To be eligible to apply,
applicants need to be or need to become a
member of the credit union. If your student isn’t
a Team One member yet—tell them that when
they join, they will be eligible to apply for Team
One scholarships and our other great products
and services including the Sallie Mae® Smart
Option Student Loan. Scholarship applications
are now available online at saginawfoundation.org.
The deadline to return completed applications to
the Saginaw Community Foundation is February
1, 2015. For more information, please call
989.755.0545.
Is a New Snowmobile
on Your Wish List?
Winter is coming, and we’ve got great rates
on snowmobile loans! If you are looking
to purchase a snowmobile this winter, we
have a great low rate snowmobile loan for
you as low as 3.25% APR*! Apply today and
you could be riding the trails as
soon as the snow flies!
*Rate based on credit history.
Other rates and terms available.
Rates are subject to change.
To determine your rate,
please contact
Team One.
Happy New Year!
10/28/14 3:25 PM