Embed Size (px)
Citation preview
SPRING 2018 StyleA PU BL IC AT ION FOR MEMBER S OF T HE SOU T HER N CR EDI T U NION LOCATIONS AND BRANCH HOURS
FAYETTEVILLE 430 East Lanier Ave. • Fayetteville, GA 30214
LOBBY HOURS
Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
GRIFFIN
1610 Highway 16 West • Griffin, GA 30223
LOBBY HOURS • Monday – Thursday 9 a.m. - 4 p.m.
• Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
JONESBORO
2236 Mount Zion Road • Jonesboro, GA 30236
LOBBY HOURS
• Monday – Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Friday 9 a.m. - 5 p.m.
• Saturday 9:00 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
LAGRANGE
117 Bull Street • LaGrange, GA 30240
LOBBY HOURS
• Monday – Friday 8:30 a.m. - 4:30 p.m.
ATM + NIGHT DROP ON LOCATION
MCDONOUGH
2097 Highway 20 West • McDonough, GA 30253
LOBBY HOURS
• Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
ATM + NIGHT DROP ON LOCATION
NEWNAN
232 Bullsboro Drive • Newnan, GA 30263
LOBBY HOURS
• Monday – Thursday 9 a.m. – 4 p.m.
• Friday 9 a.m. – 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. – 5 p.m.
• Friday 8:30 a.m. – 6 p.m.
• Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
PEACHTREE CITY
1400 Commerce Drive • Peachtree City, GA 30269
LOBBY HOURS
• Monday – Thursday 9 a.m. - 4 p.m.
• Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
CALL US TODAY!770.719.1111 • 800.338.5882
NMLS#411595
STATISTICALLY SPEAKINGAS OF FEBRUARY 28, 2018
Assets
Shares
Loans
Members
DIVIDEND NEWSAS OF FEBRUARY 28, 2018
Balance
$0.00-$99.99
$100.00-$2,499.99
$2,500.00-$9,999.99
$10,000.00-$24,999.99
$25,000.00-and greater
Share Draft
IRA Shares
$386,658,090
$344,656,918
$166,511,257
32,567
0.100%
0.100%
0.100%
0.100%
0.100%
0.100%
0.050%
0.250%
There are many ways to save on your new car
payment this summer - get fewer features, buy a
lesser make, or get an older model...
But here is a way to save without the sacrifice - get
a lower rate on your auto loan. At The Southern,
we always have low rates, no matter what type of
vehicle you choose. A lower rate with us means a
lower payment for you! And right now, our car loan
rates are as low as 1.99 APR*.
Financing is easy.
Save money and enjoy personal service from
someone you trust.
• Easy application
• Local decision-making
• No prepayment penalties
• Preapprovals for bargaining power
• Convenient online payments
Looking to refinance your current vehicle?
If you have an auto loan somewhere else, that’s okay too.
You still receive our great rates when you bring your auto
loan over to The Southern. Call us and lower your current
rate and payment!
Visit www.southernonline.org today to get pre-approved
or call 770.719.1111 for more information.
WELCOME TO THE
SOUTHERN:
ACCESSORY AERO GROUP, INC.
Griffin, GA
ADVICS MANUFACTURING GEORGIA, INC.
LaGrange, GA
HOLIDAY CLOSINGS:
MEMORIAL DAYSaturday, May 26th, 2018
Monday, May 28th, 2018
INDEPENDENCE DAYWednesday, July 4th, 2018
It’s car-buying season. How are you going to save on your vehicle?
EASILY MOVE MONEY BETWEEN YOUR ACCOUNTS WITH USAND OTHER FINANCIALINSTITUTIONS.
With The Southern’s Online
Funds Transfer Service, you
can send funds electronically
from your account at any
financial institution in
the United States to your
checking or savings account
as long as you are the
primary or joint owner of
both accounts.
Features:
• Save time with no need
to visit branches or write
checks.
• Schedule automatic,
recurring transfers for a
simple savings plan.
• Control your money
from one dashboard —
fast and easy.
It’s easy to do.
Simply login to
www.southernonline.org
and go to Move money
• External transfers
• Transfer between my
accounts
Disclaimer: *1.99% Annual Percentage Rate (APR) is limited to new automobiles, which include 2016, 2017 and 2018 model year vehicles. Qualifying vehicles must have been purchased within 90 days from the date of loan origination. Those vehicles titled more than 90 days from origination will be considered used automobiles, in which regular rates would apply. 1.99% APR is limited up to and including a maximum of 72 months of repayment. APR: Annual Percentage Rate based upon approved credit. Offer subject to change without prior notice.
RAT
ES AS LOW AS
APR*1.99%
The Southern offers so much more!
Maybe you became a member of The Southern because you needed a savings account. Whatever the reason for becoming a Credit Union member, we’re glad you did!
As a member of The Southern, you have access to a wide range of products and services - all intended to help make your financial life a successful one. If you still hold accounts with a traditional bank, you should know that YOUR credit union has many of the same services PLUS offers higher interest rates on money market and savings accounts and lower rates on loans!
A Checking account that’s right for you
If you’re fed up with all the fees you’re charged for your checking account at a traditional bank, then The Southern’s checking account is for you. The Southern offers FREE checking accounts because we value our members. We don’t charge you to be our customer - you’re an owner and we value your membership!
It’s easy to get started! Give us a call at 770.719.1111 today to open your new checking account.
Our free checking accounts come with all these benefits:
• No monthly service charge• No minimum balance • No-fee ATM transactions at TSCU
machines (Fees may be assessed when using another financial institution’s ATM)
• Overdraft protection available• Monthly statements provided• Direct Deposit• Mobile Banking• Remote Deposit Capture
No hassle loans
As a full-service lender, The Southern offers many loan options for you - no matter what your credit score may be.
We understand what our members need and how your needs may be different than others.
We’ll sit down with you, check your credit score, and then help you decide the right program for your specific needs. Whether it’s a revolving line of credit or a short- term loan, our experienced staff will help you find a loan that fits your needs.
After determining the loan that works best for you, we’ll take the hassle, paperwork and stress out applying for a loan. Just give us a call at 770.719.1111. An easy, hassle-free loan process – It’s our commitment to you!
Don’t Just Cash Your Check!
A share secured loan will help you build your credit because it will be reported to the credit bureau(s). The total amount of money available as a loan to you is based on the amount that you keep in your share account, and the funds in that account are held until the balance of the loan is paid in full. This type of loan is the perfect tool for building or rebuilding credit.
4/26/91
Continued from side flip page
7/6/80
HOW IT WORKS: There are four dates hidden in this issue. If
you find your birth date, exactly as it appears on your account, call the
Telephone Service Center at 770-719-1111
or 1-800-338-5882
AND WIN $50!(Expires 6/30/18)
NEWGAME!
SAVE THE DATE!
2018 Annual Membership Meeting.
Board of Directors Nominees seeking re-election are:
Mr. Morris D. KellyMr. Kelly is retired from the Clayton County Water Authority after 43 years. He attended Clayton Junior College and has been a credit union member since 1971. He served on the Tara Credit Union Credit Committee for over 20 years and was a member of the Tara Board of Directors prior to the merger with The Southern. All total, he has 36 years of service as a volunteer in the credit union industry.
Mr. Wilton A. MarchmanMr. Marchman retired as Assistant Superintendent of Clayton County Board of Education in 1997. He is a graduate of both the University of Tennessee and Georgia State University. He has been a Credit Union member since 1967 and was a member of the Tara Board of Directors for a number of years prior to the merger with The Southern.
With summer not too far away, The Southern would like to help you make it the best yet. Our low loan rates offer you lower payments and shorter terms on that new summer toy you have always wanted. Get outside and enjoy!
We can help you to hit the water with your new boat; maybe you are looking to buy that new motorcycle! Are you the nature type, wanting to explore the great outdoors in a new RV? We can make it happen! The Southern lends on new and used recreational vehicles. Our fast turn around time means you can be driving your new toy or floating off into the sunset the very next day!
Our application process is quick and easy!Our loan officers work on each loan to get it finished fast so you can enjoy your new toy.
You’ll also enjoy:• Extraordinary service• Competitive rates and terms• Easy, automatic direct pay• Quick loan decisions• Available Guaranteed Asset Protection Plus (GAPP),
Warranty and Debt Protection• No pre-payment penalties
Shopping for a new house is exciting. Shopping for a loan to finance your new home can be confusing. It doesn’t have to be. We’d love the opportunity to make your home financing experience quick and enjoyable. Let The Southern home loan specialist walk you through the process. We’ll explain the various options to help you find the loan program that’s right for you.
As a homebuyer, you are in charge. You get to choose your realtor and home inspector, why not choose your mortgage provider? One you can trust and will be there to answer the questions you have, about your loan. Having a partner in the home buying process is the best way to insure you get what you paid for.
The Southern offers members access to 55,000+ surcharge-free* ATMs nationwide as part of a partnership with Allpoint Network, the largest surcharge-free network in the United States. So what is an ATM surcharge? An ATM surcharge is the extra fee you normally pay for not having an account with the bank that owns the ATM you’re using. That fee can be as much as $3.50 or more with some banks, but with Allpoint, it’s free. With more than 55,000 ATMs coast to coast, Allpoint is your single largest source for surcharge-free ATM access.
Allpoint Network ATMs – conveniently placed in premier retailer locations – are within The Southern’s branch footprint as well as nationwide and beyond. These ATMS are conveniently located in destination retail outlets including
major discount retailers, convenience, grocery, and pharmacy stores nationwide. Allpoint Network ATMs make cash access quick, easy and surcharge-free for Advantage Financial members.
To find a convenient Allpoint Network ATM, members can visit www.allpointnetwork.com or download the Allpoint mobile app for your smartphone. When a member enters his or her location, the ATM locator brings up all the nearby Allpoint Network ATMs, providing exact addresses of the ATM sites in closest proximity to the location entered.
We do Home Equity Loans too! Equity in your home is an excellent source of funds for your financial needs. A home equity loan can enable you to make home improvements, consolidate bills or even take a vacation.
Schedule a FREE Consultation. Call 770.719.1111 today to speak with The Southern home loan specialist who will help guide you through the home equity, home purchase or refinance process. Ready to apply? Start today at southernonline.org.
Choose The Southern To Make It Happen!
Our Annual Meeting will be held on Monday, April 23rd, 2018, at 6 PM at the Peachtree City Financial Center Branch located at 1400 Commerce Drive, Peachtree City, Georgia. Credit Union President, Ray Hull and the other Board members will present the 2017 financials and discuss other highlights of the year. All members are invited so please plan to join us.
Mark your calendars for April 23rd and join us for food and door prizes! We hope to see you there.
Disclaimer: *Annual percentage rate. This offer includes a.25% discount for transfer payment, .50% for 10% equity. Offer and rate are based on applicant’s credit history. Credit conditions and qualifications apply. Rates offered may require down payment of 10% and arrangement for automatic repayment. Rates and terms subject to credit approval and subject to change without notice. Other restrictions may apply. Offer excludes all loans financed at the Credit Union. A $10,000.00 loan at an APR of 3.00% for 60 payments would yield a monthly payment of $179.70.Offer coupon may not be used in conjunction with any other promotion or applied to existing vehicle loans with The Southern Credit Union. Offer expires June 30th, 2018.
FILL YOUR SUMMER WITH FUN! From cars and motorcycles to boats and RVs, The Southern has a low-rate loan to help you have a summer full of adventure.
RAT
ES AS LOW AS
APR*3.0%
The Southern is a proud partner of the Allpoint Network
Disclaimer: *Non-surcharge related fees for using a non-TSCU ATM may apply. Please refer to the TSCU rate and fee schedule.
SHARE SECURED LOANS HELP BUILD YOUR CREDIT
Did you know you can borrow against your savings? Share secured loans are the easiest and most economical way to help build your credit history.
Let your savings work for you while you borrow against your account to consolidate debt, finance repairs and more. Simply choose your loan amount and it will be pledged from your savings.
It’s a good way to build good credit history safely and responsibly. There are several reasons to choose a Share Secured Loan.
1. It allows you to repay the loan at a low competitive rate.
2. There is no early payoff penalty.
3. You have a fixed monthly payment.
5/21/64
11/1/72
Continued on back page
James RichardsVP of Mortgages
Jason MontroisRegional Market Manager
• First Mortgage• Jumbo Loans• Investment• HELOCProperty Loans• Land Loans
We offer:
• Pre-qualification & credit analysis• Choice of terms and affordable rates & fees• Variety of home loan programs
• Second Home• VA Loans• Loans• FHA Loans
SPRING 2018 StyleA PU BL IC AT ION FOR MEMBER S OF T HE SOU T HER N CR EDI T U NION LOCATIONS AND BRANCH HOURS
FAYETTEVILLE 430 East Lanier Ave. • Fayetteville, GA 30214
LOBBY HOURS
Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
GRIFFIN
1610 Highway 16 West • Griffin, GA 30223
LOBBY HOURS • Monday – Thursday 9 a.m. - 4 p.m.
• Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
JONESBORO
2236 Mount Zion Road • Jonesboro, GA 30236
LOBBY HOURS
• Monday – Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Friday 9 a.m. - 5 p.m.
• Saturday 9:00 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
LAGRANGE
117 Bull Street • LaGrange, GA 30240
LOBBY HOURS
• Monday – Friday 8:30 a.m. - 4:30 p.m.
ATM + NIGHT DROP ON LOCATION
MCDONOUGH
2097 Highway 20 West • McDonough, GA 30253
LOBBY HOURS
• Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
ATM + NIGHT DROP ON LOCATION
NEWNAN
232 Bullsboro Drive • Newnan, GA 30263
LOBBY HOURS
• Monday – Thursday 9 a.m. – 4 p.m.
• Friday 9 a.m. – 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. – 5 p.m.
• Friday 8:30 a.m. – 6 p.m.
• Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
PEACHTREE CITY
1400 Commerce Drive • Peachtree City, GA 30269
LOBBY HOURS
• Monday – Thursday 9 a.m. - 4 p.m.
• Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
• Monday – Thursday 8:30 a.m. - 5 p.m.
• Friday 8:30 a.m. - 6 p.m.
• Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
CALL US TODAY!770.719.1111 • 800.338.5882
NMLS#411595
STATISTICALLY SPEAKINGAS OF FEBRUARY 28, 2018
Assets
Shares
Loans
Members
DIVIDEND NEWSAS OF FEBRUARY 28, 2018
Balance
$0.00-$99.99
$100.00-$2,499.99
$2,500.00-$9,999.99
$10,000.00-$24,999.99
$25,000.00-and greater
Share Draft
IRA Shares
$386,658,090
$344,656,918
$166,511,257
32,567
0.100%
0.100%
0.100%
0.100%
0.100%
0.100%
0.050%
0.250%
There are many ways to save on your new car
payment this summer - get fewer features, buy a
lesser make, or get an older model...
But here is a way to save without the sacrifice - get
a lower rate on your auto loan. At The Southern,
we always have low rates, no matter what type of
vehicle you choose. A lower rate with us means a
lower payment for you! And right now, our car loan
rates are as low as 1.99 APR*.
Financing is easy.
Save money and enjoy personal service from
someone you trust.
• Easy application
• Local decision-making
• No prepayment penalties
• Preapprovals for bargaining power
• Convenient online payments
Looking to refinance your current vehicle?
If you have an auto loan somewhere else, that’s okay too.
You still receive our great rates when you bring your auto
loan over to The Southern. Call us and lower your current
rate and payment!
Visit www.southernonline.org today to get pre-approved
or call 770.719.1111 for more information.
WELCOME TO THE
SOUTHERN:
ACCESSORY AERO GROUP, INC.
Griffin, GA
ADVICS MANUFACTURING GEORGIA, INC.
LaGrange, GA
HOLIDAY CLOSINGS:
MEMORIAL DAYSaturday, May 26th, 2018
Monday, May 28th, 2018
INDEPENDENCE DAYWednesday, July 4th, 2018
It’s car-buying season. How are you going to save on your vehicle?
EASILY MOVE MONEY BETWEEN YOUR ACCOUNTS WITH USAND OTHER FINANCIALINSTITUTIONS.
With The Southern’s Online
Funds Transfer Service, you
can send funds electronically
from your account at any
financial institution in
the United States to your
checking or savings account
as long as you are the
primary or joint owner of
both accounts.
Features:
• Save time with no need
to visit branches or write
checks.
• Schedule automatic,
recurring transfers for a
simple savings plan.
• Control your money
from one dashboard —
fast and easy.
It’s easy to do.
Simply login to
www.southernonline.org
and go to Move money
• External transfers
• Transfer between my
accounts
Disclaimer: *1.99% Annual Percentage Rate (APR) is limited to new automobiles, which include 2016, 2017 and 2018 model year vehicles. Qualifying vehicles must have been purchased within 90 days from the date of loan origination. Those vehicles titled more than 90 days from origination will be considered used automobiles, in which regular rates would apply. 1.99% APR is limited up to and including a maximum of 72 months of repayment. APR: Annual Percentage Rate based upon approved credit. Offer subject to change without prior notice.
RAT
ES AS LOW AS
APR*1.99%
The Southern offers so much more!
Maybe you became a member of The Southern because you needed a savings account. Whatever the reason for becoming a Credit Union member, we’re glad you did!
As a member of The Southern, you have access to a wide range of products and services - all intended to help make your financial life a successful one. If you still hold accounts with a traditional bank, you should know that YOUR credit union has many of the same services PLUS offers higher interest rates on money market and savings accounts and lower rates on loans!
A Checking account that’s right for you
If you’re fed up with all the fees you’re charged for your checking account at a traditional bank, then The Southern’s checking account is for you. The Southern offers FREE checking accounts because we value our members. We don’t charge you to be our customer - you’re an owner and we value your membership!
It’s easy to get started! Give us a call at 770.719.1111 today to open your new checking account.
Our free checking accounts come with all these benefits:
• No monthly service charge• No minimum balance • No-fee ATM transactions at TSCU
machines (Fees may be assessed when using another financial institution’s ATM)
• Overdraft protection available• Monthly statements provided• Direct Deposit• Mobile Banking• Remote Deposit Capture
No hassle loans
As a full-service lender, The Southern offers many loan options for you - no matter what your credit score may be.
We understand what our members need and how your needs may be different than others.
We’ll sit down with you, check your credit score, and then help you decide the right program for your specific needs. Whether it’s a revolving line of credit or a short- term loan, our experienced staff will help you find a loan that fits your needs.
After determining the loan that works best for you, we’ll take the hassle, paperwork and stress out applying for a loan. Just give us a call at 770.719.1111. An easy, hassle-free loan process – It’s our commitment to you!
Don’t Just Cash Your Check!
A share secured loan will help you build your credit because it will be reported to the credit bureau(s). The total amount of money available as a loan to you is based on the amount that you keep in your share account, and the funds in that account are held until the balance of the loan is paid in full. This type of loan is the perfect tool for building or rebuilding credit.
4/26/91
Continued from side flip page
7/6/80
