support Healthcare. They provide low rates on loan products such as student loan

all at no cost to the hospital, employee or member. If you are interested in partnering

employees or just want to learn more, please contact us via email at busdev@hacu.org

or call us at 630-276-5771. To learn more you can also visit us at www.hacu.org.

BD_MKT_2006A HACU White Paper 05312017

PULSEAPRIL, MAY, JUNE 2018

Page 1: Healthy Yogi Challenge #2

Page 2: President's Message, Yogi Enlightenment, Confessions and tips from our resident shopaholic

Page 3: BuyersChoice Auto Loan, Totally Free Checking with even more rewards

Page 4: New below prime and prime rates on a HELOC, Youth Month with $25 and a piggy bank for the kids

Reach For the Next Plateau

The Yogi Challenges will lead you to wellness for your mind, body, soul and finances! Studies show that our financial health contributes more and more to our overall health. Join HACU this year for our Yogi Challenge to help attain knowledge, offers, prizes, overall health and have some fun along the way. SIGN UP TODAY at hacu.orgHelp support others in the challenge by posting about your financial goals, overall goals, accomplishments or even your yoga poses or by posting on social

media with #hacuyogi tag us @bankhealthy

Your goal: Save Money

A Yogi is someone who practices the art of Yoga and we are encouraging all of our members to practice the art of Financial Fitness by becoming HACU Yogis!

Reach for the Next Plateau Challenge #2

HACU Yogi

YOUR GOAL: Save money

OUR OFFER: Increased rates on CDs, IRAs & ESAs that will put

you on the path to higher returns

*APY=Annual Percentage Yield reflects the effective rate earned due to compounding of interest. Quoted APY examples are for a 5 year term. Compounded monthly; paid monthly. $500 minimum to open an account. Rates will apply to new accounts, matured roll overs and bump CDs. Penalties apply for early withdrawal. Penalty may reduce earnings. Rates subject to change without notice. Terms and conditions may apply. Please contact a Member Service Representative for details. Offer ends April 30, 2018.

For Official Contest Rules see a Member Service Representative or visit the HACU Yogi Challenge page at hacu.org

SIGN UP at hacu.org& ENTER Yogi Challenge for a chance to win a prize valued at up to $500! Here’s How: Sign up at hacu.org (just once regardless of how many challenges you participate in), once you’ve made your challenge goal, complete the Yogi Challenge online form (I Made My Goal) to be entered into the Contest Challenge #2 Prize Pool by April 30, 2018.

Increase your chances of winning by posting on social media with

#hacuyogi tag us @bankhealthy

Save More with a Rate as High as

2.15%APY* 2.25%

APY*

On deposits from $500-$24,999*

On deposits of $25,000 and higher*

HACU Yogi

Tree Pose

Reach for the Next Plateau

Challenge #2March 1st - April 30, 2018

1.) APY = Annual Percentage Yield. The dividend rate and APY may change at any time. No minimum balance required to earn the 3.00% APY. Only Personal Memberships eligible, monthly requirements to earn 3.00% APY: direct deposit equal or greater than $500, a minimum of 12 Debit/Check Card POS transactions per month (Pending transactions and ATM transactions not included), enroll in MY247, login once monthly, and consent to receive e-Statements. Balances up to $10,000 will earn the stated rate and the portion of the balance over $10,000 will not earn dividends. Fees could reduce earnings. Terms and conditions may vary. 2.) Cash Awards and Gift cards are distributed through Rewards Points powered by Extra Awards.

Funds are insured up to $500,000. Funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA). An additional $250,000 is insured by Excess Share Insurance (ESI), a subsidiary of American Share Insurance, the nation’s largest private deposit insurer for credit unions.

*APY=Annual Percentage Yield reflects the effective rate earned due to compounding of interest. Quoted APY examples are for a 5 year term. Compounded monthly; paid monthly. $500 minimum to open an account. Rates will apply to new accounts, matured roll overs and bump CDs. Penalties apply for early withdrawal. Penalty may reduce earnings. Rates subject to change without notice. Terms and conditions may apply. Please contact a Member Service Representative for details. Offer ends April 30, 2018.

For Official Contest Rules see a Member Service Representative or visit the HACU Yogi Challenge page at hacu.org

President's Message With the cold starting to subside, the first signs of warmer weather and the arrival of Spring, we know that you are probably starting the shift from heavy coats to lighter jackets. We hope you’ve seen our recent Yogi Campaigns and are starting to use them to limber up not only your body, but also your finances. We strive to provide you with relevant products and services that not just meet, but exceed your expectations and needs. We continue to improve our existing products and introduce new ones that may provide you with much benefit.

As many of you may know, our new Digital Banking Platform, My247 launched successfully early this year thanks to our team here and members like you. As we come to Spring, we’ll be introducing an enhancement to our existing Totally Free Checking product which will now come with an interest bearing component that can be earned with behaviors you are probably either doing already, or can achieve with a few easy steps such

as swiping your card for purchases, receiving eStatements, having a direct deposit and logging into My247. You’ll still have the great benefits of our existing Free Checking account with no minimum balance, check card rewards and no monthly maintenance fees, but this added feature will help you earn while you do your everyday banking functions.

As we continue down the path as the financial institution of choice for those who serve and support the healthcare industry nationwide, we want to ensure you have the right tools to achieve a sense of financial wellness and have the best products and services for your needs.

In closing, I’d like to thank all of our members and you for your continuing trust in HealthCare Associates Credit Union. We take the responsibility of being your financial steward very seriously and appreciate the opportunity to serve you.

In Good Health, Joseph J. Kregul | President/CEO

Our goal is to ensure you have the right tools to achieve a sense of financial wellness and Bank Healthy®

Here's how it works: 1. Sign up at hacu.org

Just once regardless of how many challenges you participate in. Each challenge has an offer to help you and a prize pool valued at up to $500.

2. Challenge 2 'Reach For The Next Plateau' Your goal is to save money by April 30th. If you think that the offer of a rate as high as 2.25% APY on a CD, IRA or ESA could help you wtih the goal, apply for the offer. If you want to make your goal without the offer, that's OK too, you can still join the challenge.

3. Let us know when you've achieved your goal! Visit the HACU Yogi Challenge page at hacu.org and let us know every time you've reached one of the challenge goals. Click on the “I Made My Goal” button and complete the process by the end date to be entered into the current Challenge's prize pool valued at up to $500.

4. Help support others by sharing your financial goals, overall goals, accomplishments, challenges or even your yoga poses by posting on social media with #hacuyogi tag us @bankhealthy. Just remember NOT to share any sensitive information.

How do I set my goal for each Challenge?• Make your goal realistic

• Keep motivated by celebrating milestones– Use #hacuyogi and tag us @bankhealthy to share your daily progress while earning extra entries, even little successes add up! Keep an eye on our social media to get your daily dose of inspiration and see the latest winner!

• Finally reach for the next plateau!

Confessions and tips from our resident shopaholic:Okay, DON’T PANIC. Everything’s going to be fine. Of course it is. Of course it is.

“If you could just give me your credit union statement.” My husband has a mild yet firm undertone as he reaches for my pile of credit union statements. “I just need to see how much we are spending so I can figure out how to best trim our debt.” “Absolutely!” I say without moving out of his way.

This conversation happened 2 months ago; I’m standing in my kitchen, tense with anxiety. Alex (my husband) and I will be looking at our finances…TOGETHER! So far we’ve kept our finances separate, mostly because, as a shopaholic, I prefer it that way but it’s time to combine. Luckily, I am a master of deflection and sent my husband on a detour while I went to hacu.org. And there it was – JOIN THE YOGI CHALLENGE – in bright, beautiful colors basically calling out to me! This is perfect! A perfect way for us to work on our finances together, in a fun and productive way.

We laid everything out on the table; house bills, student loan bills, childcare bills and regular monthly expenses. As stressful as it is to review your finances, the ‘Become a Financial Warrior” Challenge did just that – by the end we felt like warriors. Warriors that had just won the financial battle!

Now it’s time to start on Yogi Challenge #2 – Reach For The Next Plateau and Save Money! Perfect timing with tax season just around the corner. I just love being part of a Credit Union and hearing about other member’s goals and accomplishments through social media! How much will you save during Challenge #2? #hacuyogi @bankhealthy

Oh and congratulations to Jessica the Yogi Challenge 1 Winner!

Fingers crossed that I’m the next winner!

Signed your Resident Shopaholic.

How to earn the most with your Totally Free Checking every month:

For High Interest Return: ✔ Enroll & use My247 Digital Banking ✔ Enroll & receive eStatements ✔ Have at least 12 Debit/Check Card purchases post & settle ✔ Electronically deposit at least $500 to your account

For Rewards Points: ✔ Use your Debit/Check Card for all your signature based purchases!

Start using your Totally Free Checking account today.

WHAT IS FINANCIAL WELLNESS?

+

x +÷ -

x +÷ -

x +÷ -

That’s it! It’s so easy, you probably won’t even notice until you see the extra interest and Rewards Points add up!

FREE

3APY 1

We’ve added a high interest return to our checking account

Rewards Points2

• New and pre-owned vehicles up to five years old qualify• Low monthly payments• No down payment required• No up-front fees• Vehicle ownership (titled in your name)• No higher insurance premium• Option to Sell, Trade, Refinance or Payoff at any time• No early termination fees• Return Vehicle at Loan Maturity and simply “Walk-away”• Yearly mileage available options: 12,000, 15,000, 18,000

4550 Post Oak Place Drive, Suite 139 | Houston, TX 77027877 - 354 - 4234 | info@auto�nancialgroup.com

www.auto�nancialgroup.com

‘B UYERS CHOICE ’ A UTO LOAN

Pay for what you use, it just makes sense …

You Save $404.33 Per Month!

EXAMPLE: Vehicle with a loan amount of $30,000, a loan term of 36 months and a

Guaranteed Future Value of $16,500.

BUYERSCHOICE OFFERS PAYMENTS UP TO 40% LOWER THAN CONVENTIONAL FINANCING

*Payments 1 - 35 are $464.80 with a 36th payment of $16,500 (GFV)

Financing Option Conventional Loan BuyersChoice

Loan Amount $30,000 $30,000

Monthly Payments $869.13 $464.80*

Introducing 'BuyersChoice' Auto Loan Programthat gives our members a loan that combines the best features of a conventional loan with the benefits of a lease. The low monthly payments that the BuyersChoice program allow, gives you more vehicle for your money.*

*End of loan term options for BuyersChoice are; you may payoff loan balance, refinance, sell, trade in or return vehicle at maturity. Fees at maturity will include $195 Disposition Fee and possible Excess Mileage Fee of $.10 per mile. HACU Loan approvals are subject to credit qualifications and collateral value. Rates may change without notice.

BuyersChoice Offers Payments Up To 40% Lower Than Conventional Financing

Save More with a Rate as High as

2.25%APY*

On deposits from $500-$24,999*

On deposits of $25,000 and higher*2.15%

APY*

Who will the

next WINNER be? Maybe

YOU!

Chall

enge 1 W

inner

Jessica!

• Now with NEW LOWER RATES!

• NO CLOSING COSTS or application fees on lines of $25,000+

• NO ANNUAL FEE

677680

Online banking hacu.orgPay bills, check balances & more

Telephone Teller 630.276.5726 or 800.213.6445 (toll-free)

Contact Center 630.276.5555 or 800.942.0158 (toll-free)

Naperville Branch1151 East Warrenville Rd. Naperville, IL 60563

Des Plaines Branch 249 South River Rd. Des Plaines, IL 60016

Oak Lawn Branch9640 South Pulaski Rd. Oak Lawn, IL 60453

Winfield Branch27W460A Chicago Ave. Winfield, IL 60190

Palos Community Hospital12251 S. 80th Ave., Palos Heights, IL 60463 (restricted access)

This newsletter is a quarterly publication of HealthCare Associates Credit Union. The credit union reserves the right to add, change or delete services in accordance with applicable regulation; and all rates and terms are subject to change without notice. HACU is not responsible for omissions, errors or other information inconsistent with policy.

*APR = Annual Percentage Rate, Rate is Variable, and may change Quarterly. Variable rate is Wall Street Prime rate. Rate for lines $5,000-$49,999 is Prime rate, rate for Lines from $50,000-$500,000 Prime rate minus 0.25%. Floor rate is 4.00%. Interest only payments. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral. No closing costs with the initial advance of $25,000 or more of new money. Property insurance is required. Home Equity Lines of Credit, must be secured by owner occupied real estate, in IL, IN, and MO. If you refi-nance an existing line of credit fees will apply. Refer to hacu.org or call our loan department for additional information. Additional disclosures will be sent after application is received.PRIME RATE AS OF: March 22, 2018 is 4.75%

You can now take advantage of rates at or below prime when you open a Home Equity Line of Credit (HELOC) to build on your dreams with HACU.

While some of these improvements are made immediately, the majority are likely to happen over the course of your homeowner lifespan and that's where a HELOC can help. You can borrow up to 85% of your home's value and have the resources you need, when you need them with rates we've never offered before…

Give your kids or grandkids a boost with the Science of Savings this April!1

We’re celebrating Youth Month and hope that we can help your kids or grandkids get off to a great start this April! It won't cost them or you anything, in fact we will make their first deposit into their account with $25 and give them a piggy bank too. Encourage your child to make regular small deposits each week. Explain that their money will earn in-terest while it’s in their account and if they keep this routine going, they’ll quickly see their savings grows.

We encourage you to bring your kids or grandkids under 18 into any of our branches to learn the Science of Saving, meet our friendly Member Service Representatives and take advantage of this promotion.

They’ll get

$252 & a piggy bank3

when you open their Savings Account

1. This promotion is for kids under 18. 2. HACU will deposit a total of $25 into their account; $5 to open their membership, plus $20 — which is on hold for 6 months. Early account closing fee will apply if closed within 90 days. Account must be opened at a HACU branch. 3. While supplies last. WARNING: CHOKING HAZARD – Not suitable for children under 3 years. Promotion ends April 30, 2018.

You can apply now at hacu.org or call us at 630.276.5555 during business hours.

All dreams start out with a solid foundationYour equity of 15% or more is your foundation for great rates for things like:

• New roof: $13,000

• New windows: $7,000

• Paying off high-interest debt: $28,000

• College expenses: $9,000

• Future expenses

MKT_PulseQ2_03162018 ©HACU

On lines of $50,000-$500,000*4.50%

APY*

On lines of $5,000-$49,999*4.75%

APY*

Build Your Dreams with a Home Equity Line of Credit