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

Rate
APY
0.15%
0.15%
Savings/Club
All Balances
75
Always
Available
475 54
FLUSHING
75
23
Checking
0-2999
0.10%
0.10%
3000 & UP
0.20%
0.20%
Sample of Investment Rates
Terms
Rate
APY
0.20%
0.20%
0.30%
0.30%
$50,000 - $99,999
0.40%
0.40%
$100,000 - $199,999
0.50%
0.50%
$200,000 and up
0.60%
0.60%
12 months
$1000.00
0.50%
0.50%
24 months
$1000.00
0.70%
0.70%
36 months
$1000.00
0.90%
0.90%
48 months
$1000.00
1.10%
1.10%
Rates as of October 22, 2014. Subject to change at any time without notice. Please call
for current rates. APY = Annual Percentage Yield.
D
RD.
AV I S O N
LAPEER
DeMILLE RD.
DAVISON
24
15
HILL RD.
GRAND BLANC
23
54
H O L LY R D .
$1000 - $9,999
$10,000 - $49,999
69
FLINT
FENTON RD.
Savings Plus
Minimum
Balance
69
24
15
In Person
2845 Davison Road
East of Dort Hwy.
5091 W. Pierson Road
West of Linden Road
1091 W. Hill Road
West of Fenton Road
1441 S. State Road
South of I-69
9050 Holly Road
East of I-75
14265 Fenton Road
North of S. Long Lake Road
1724 DeMille Road
West of Main Street Lapeer
Loan Scoreboard
APRs as Low as
Terms Up To
New Vehicles
1.99%
72 months
Used Vehicles
1.99%
72 months
Recreational Vehicles & Boats
1.99%
180 months**
Jet Ski, Snowmobile, 4-Wheelers
1.99%
60 months
Home Equity (fixed)
3.00%
120 months
HELOC (equity line of credit
with variable rate)
Mortgages
Internet
810.767.8390
800.521.3796
810.235.3211 TDD
www.DortOnline.org
feedback@dortfcu.org
Dort By Phone
810.600.4093
866.388.7336
Mail
P.O. Box 1635
Flint, MI 48501-1635
Lost/Stolen VISA
800.543.5073
Call for current rates
CAL (Cash Action Line with
variable rate)
VISA Credit Card Rates
4.00% APR
Telephone
12.00%
9.50%-18.00 %
Finance rate commitment is based on individual credit history. The rate shown is offered
to members with excellent credit. The rate may increase when there have been issues
with credit history.
*Terms may vary according to age and value of collateral as well as loan amount.
Hours
All locations Monday-Friday, Drive-Up Tellers and
Call Center ONLY: 8am to 6pm
Full Service: 9am to 6pm
All Locations Saturday Hours
Full Service: 9am to 12:30pm
**Loan with terms exceeding 144 months must meet IRS requirements for Home
Mortgage Interest Deduction.
APR = Annual Percentage Rate
***180 month terms available for loans of $25,000
Dort Federal has a variety of lending programs available. Let our friendly, knowledgeable staff help
you select what best fits your situation. Rates subject to change without notice. Please call for current
rates and terms.
We do business in accordance with the
Federal Fair Housing Law and the Equal Credit
Opportunity Act.
www.dortonline.org
Shared Interest
Anticipated Dividends Paid Quarterly
Minimum on Deposit
November 2014
Dort Federal Credit Union
1,000
$
Student
Scholarship
Program
W
e are awarding three scholarships
in the amount of $1,000 each to
graduating high school seniors or older
students seeking to further education after
high school.
 The scholarship is open to Dort Federal
members in good standing who have
been a member for at least one year
 You must be a 2015 or earlier High
School Graduate with
a minimum
GPA of 2.5
 The deadline for
applications is
March 1, 2015
Begins November 10th
H
ave a grand holiday on us, with the Grand
Holiday Loan! It’s simple, just come in to any
of our offices and say you want to have a Grand
Holiday and we’ll loan you $1,000! It’s that’s easy…
all you need is $1,500 monthly direct
deposit with us, three months of
verifiable employment and you’re on
your way to a Grand Holiday! It’s a
no worry, hassle-free loan so you
can kick-back and relax
this holiday season…
No Credit
Credit Check
Check
* No
Guaranteed Approval*
Approval*
* Guaranteed
Quick,
12
Month
Term
* Quick, 12 Month Term
Greater Flint | Davison
Grand Blanc | Fenton | Lapeer
810.767.8390 | dortonline.org
GRAND HOLIDAY LOAN Details
Amount
Financed
(the amount
of credit
provided
to you)
Itemization
of Amount
Financed
(amount
given to
you)
Finance Charge
(the dollar
amount the
credit will
cost you)
*Annual
Percentage
Rate 17.9%
(the cost of
your credit as a
yearly rate)
Total
Insurance
(Credit
Life &
Disability)
$1,000
$1,000
$99.04
17.9%
$24.62
Total Payback: $1,123.66
ayment Schedule: 11 @ $95.00, 1 final @ $78.66 Total of Payments:
P
$1,123.66 (the amount you will have paid when you have made all scheduled
payments). Credit life and disability insurance is included for those eligible. Total
finance charge may vary depending on total number of payments.
*Loan subject to having direct deposit equaling $1,500 per month your Dort
Federal Credit Union account with three-months verifiable employment in the
form of pay stubs. $1,000 will be available when 1st $1,500 direct deposit is
received. Loan is based on 17.9% annual percentage rate and a 12-month term.
One loan per member. Approval based on no anticipated changes to financial
status for next 12 months. Other restrictions may apply. See a Dort Federal
Member Service Representative for details. Rates, terms and conditions may vary
and are subject to change at any time without notice. Offer good through January
31, 2015. Credit life and disability insurance included for
those eligible.
Put a Smile on a Snowman!
Y
ou can put a smile on a snowman and help local families in need during Dort Federal’s Annual
Snowman Sales through December 12! This year when you buy a snowman for $1.00, $5.00,
$10.00, $25.00 or $50.00, the proceeds will go to the Mission of Hope and the Old Newsboys.
For more information or to
apply, go to dortonline.org.
For more information on this year's charities, go to www.dortonline.org/snowmen . Look for the
smiling snowmen at each Dort Federal office and draw a special smile on your snowman today!
Keep the Rewards
Coming! Earn TRIPLE POINTS
LA S T C H AN C E T O S C ORE !
Keep your eye out for theft and fraud
at this time of year.
D
during Black Friday Weekend,
ort Federal’s Visa
November 26–30
Platinum ScoreCard
on ALL PURCHASES!
Point/Flex Rewards
cardholders will be
getting a little boost this fall by earning DOUBLE*
ScoreCard Point/Flex Rewards on ALL purchases
through December 31, 2014. Simply use your Dort
Federal Visa Platinum ScoreCard Point/Flex Rewards
card and start earning double points now! ScoreCard
Point/Flex Rewards can be redeemed for a variety of
gifts and travel, such as airline tickets, hotels, and much
more! Don’t have a card? You can apply online or at any
of our seven conveniently located offices, today!
*Double ScoreCard Point/Flex Rewards are earned on ALL purchases October 1, 2014
through December 31, 2014. Purchases made before and after the promotional dates
will receive one ScoreCard Reward point per dollar spent. Earned ScoreCard Rewards
points appear on monthly billing statements. For ScoreCard Point/Flex Rewards
information, including redemption info and catalog, go to www.scorecardrewards.com.
Give the Gift of
a Visa Gift Card
L
ooking for a gift, but
don’t know what to
get? Dort Federal Visa
Gift Cards are the perfect
gift because they work
just a like any other
gift card, except the
recipient chooses where they spend it! Gift cards can
be purchased in amounts of $25 or more and can be
used anywhere Visa Debit Cards are accepted. Pick up
your gift cards today at any Dort Federal location* or
purchase online at www.dortonline.org.
*A $5 service fee applies to cards purchased at Dort Federal and a $5.95 serving
fee, including shipping & handling, applies to cards purchased online.
Shopping Safety
Follow these simple rules:
 Keep a list of all credit
and charge card
account numbers,
with company phone
numbers, in a safe place,
not with you.
YOU CAN Score
Lions
T ickets
JUST by using your
Dort Federal VISA CREDIT Card!
N
ow through November 30th,
every time you use your Dort
Federal Visa Platinum Credit Card,
or when you open a new Dort
Federal Visa Platinum Credit Card,
you’re automatically entered to win.
Congr
ats
Octob to
er ’s
Winne
rs!
Chris
B. &
David
R.
Contest runs August 1, 2014 through November 30, 2014 and is open to all Dort Federal Credit Union members,
age 18 and older. Members receive one entry for opening a new Dort Federal Visa Platinum Credit Card. All Dort
Federal Visa Platinum Cardholders earn one additional entry for every qualified swipe/purchase made with their
card. Members may also complete an entry slip at any Dort Federal Credit Union location. Two (2) winners will be
randomly selected each month during the contest period (September 2014, October 2014, and November 2014),
to receive two (2) tickets to a Detroit Lions home game during the 2014-2015 season. Dort Federal employees,
volunteers, and their immediate family are ineligible to win. Tickets may not be exchanged for another game
date. Other rules and restrictions may apply. See Dort Federal Credit Union for more information.
 After a purchase,
destroy all credit
card slips carbons (or
incorrect receipts you
have corrected).
 Never sign a blank receipt.
 Keep your charge/credit card in view at all times
when using it for a purchase.
 Always notify the creditor immediately if there
is an error on your billing statement.
 Know the mail order company before ordering
and giving your credit card number over the
telephone.
Need Help with a
Holiday Budget?
A
s a member of Dort Federal Credit Union, you
can take advantage of the GreenPath Financial
Wellness program, a free financial education and
counseling program. GreenPath counselors are
available Monday through Thursday 8 a.m. to 10
p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday
from 9 a.m. to 6 p.m. To use this new service,
simply call 1-877-337-3399 or visit them on the
web at www.greenpathref.com.
People on
the Move!
W
e recently welcomed a new Branch
Manager to our Fenton Road office and
some of our long standing team members made
the move to new offices. All are ready to help you
with your financial needs. Stop in and see them
at their new office!
Mark Your Calendar
2 0 1 4
H o l i d a y
Dort Federal is Proud
to Recognize Veterans Day!
December
Wednesday, Dec. 24thChristmas Eve
All offices: drive-up service
open 8:00 AM to 12:30 PM
All offices: full-service open
9:00 AM to 12:30 PM
D
ort Federal Credit Union is proud to acknowledge
America’s servicemen and women, for their service
to our country! Dort Federal offices will be closed on
Tuesday, November 11th in observance of Veterans Day.
Thursday, Dec. 25th Christmas Day
All offices are closed
Friday, Dec. 26th
All offices are open for
normal business hours
Happy Thanksgiving!
Shawn Dunham
Branch Manager,
State Road
D
ort Federal wishes you and your family a safe and
Happy Thanksgiving! In observance of the holiday,
Dort Federal offices will be closed on Thursday, November
27th. All offices will be open on Friday, November 28th and
Saturday, November 29th for regular business hours.
Wednesday, Dec. 31st New Year’s Eve
All offices: drive-up service
open 8:00 AM to 12:30 PM
All offices: full-service open
9:00 AM to 12:30 PM
November
Tuesday, Nov. 11th
H o u r s
eterans Day
V
All offices are closed
January
Mo Aboneaaj
Branch Manager,
DeMille Road
Thursday, Nov. 27th Thanksgiving Day
All offices are closed
Friday, Nov. 28th and All offices are open
Saturday, Nov. 29th for normal business hours
November
SU
Catherine Haefner
Branch Manager,
Fenton Road
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