www.visionaryfcu.org 0676-Newsletter-0919

FALL 2019

Avoid the shopping rush and using a high rate credit card to get the job done. With the Jingle Bucks Loan Special you can enjoy a low rate loan and make the holidays bright for the ones you love.

APPLY TODAY!Apply online at www.visionaryfcu.org or call 412-221-6660 for more details!

Jingle Bucks, Jingle Bucks, Jingle…All the Way to the Holiday!

APPLICANT’S NAME GROSS MONTHLY INCOME*: *Income from alimony, child support, or separate maintenance need not be revealed

$ unless you wish such income to support a request for credit.

ADDRESS HOME PHONE NO. EMAIL ADDRESS (OPTIONAL)

( )

ADDRESS SOCIAL SECURITY NO. MORTGAGE/RENT PAYMENT:

$

EMPLOYER JOB TITLE OR OCCUPATION HOW LONG? BIRTH DATE HOME/CELL PHONE NO.

( )

BUSINESS ADDRESS (STREET & NO.) CITY, STATE, ZIP WORK PHONE NO.

PREVIOUS HOME ADDRESS (IF LESS THAN TWO YEARS AT CURRENT ADDRESS) CITY, STATE, ZIP HOW LONG?

CO-APPLICANT NAME (LAST, FIRST, MIDDLE) SOCIAL SECURITY NO. BIRTH DATE MORTGAGE/RENT PAYMENT:

$

HOME ADDRESS (STREET AND NO.) CITY, STATE, ZIP HOME/CELL PHONE NO. GROSS MONTHLY INCOME*:

$

EMPLOYER BUSINESS ADDRESS (STREET & NO.) CITY, STATE, ZIP HOW LONG? WORK PHONE NO.

( )

APPLICANT’S SIGNATURE o WE INTEND TO APPLY FOR JOINT CREDIT. DATE CO-APPLICANT’S SIGNATURE o WE INTEND TO APPLY FOR JOINT CREDIT. DATE

X ______________________________________________________________ X ________________________________________________________ _I/We certify everything I/we have stated in this application and on any attachments is correct. You may keep this application whether or not it is approved, and I/we authorize you to share this application with any of your affiliates for the purpose of determining whether I/we might qualify for other products you or those affiliates offer. I/We authorize you to check my/our credit and employment history and to answer questions others may ask you about my/our record with you. I/We understand that I/we must update credit information at your request if my/our financial condition changes.

* Supply two recent paystubs at time of application.

Quick Loan Application More information may be required.*

o OWN o RENT o LIVE WITH RELATIVE o OTHER

Amount Requested: $____________________

*APR=Annual Percentage Rate. Loan rates listed are: “as low as” rates and your final rate may be higher depending on credit worthiness and debt to income ratio. Other rates and terms available. Any or all promotional rates and offers may change and/or end without notice. Approval is based on normal underwriting requirements and income verification. $5,000 maximum.

4.95%APR*

up to 18 months

Holiday Cash with Skip-a-PayJust when you need it most, our Skip-A-Pay program can give you extra cash this

holiday season. Use the money to buy gifts, head out for a long holiday weekend, or pay off some bills. For just $35* per eligible loan, you can choose to skip your qualifying Visionary FCU Loan payment in December. To make your request, stop by the Credit Union, or complete the form below and mail it or fax it to us by November 30, 2019. Please note that ALL BORROWERS on the loan(s) must sign the form.

The $35 processing fee is a NON-REFUNDABLE FEE and will automatically be withdrawn from your Share Savings or Share Draft (Checking) Account at the time you sign up for the skip-a-payment program. If you make your loan payments with Payroll Deduction or Direct Deposit, your payment will be deposited into your Share Savings Account. Reminder: Throughout the month of the skipped payment in December 2019, interest will continue to accrue on your loan.

*You may choose to skip December 2019 payments only. No skip-a-payment request will be processed without payment of the fee. Home equity loans and VISA credit card loans are not eligible. Must be a member in good standing. All loans must be current as of November 30th to be eligible to skip December payments. Qualification for this special promotion is subject to approval. Processing fee is per qualifying loan.

Skip-A-Payment Request FormName __________________________________________________ Account Number ______________________

Daytime Phone ____________________________________________ Email Address __________________________

Please complete the form below and fax to 412-221-3414 or mail to:Visionary FCU, 201 Beram Ave, Bridgeville, PA 15017

*not all loan types are eligible and requests are subject to approval and a credit report review

Loan # ___________________ Loan #____________________ Loan #__________________

Please take the $35 per loan fee: From my share/savings account ______

From my checking account ______

***No Skip-A-Payment forms will be processed without payment arrangements for the fee to be paid at the time the form is processed. I understand that interest will continue to accrue on the unpaid balance and the term of my loan will be extended beyond my initial contract date. I also understand that my payments are to resume in January 2020.

Signature: ______________________________________________ Date: ______________

Joint Signature (if necessary) _______________________________ Date: ______________

By signing above, you authorize Visionary FCU to extend your final loan payoff date for each loan requested on this form. The $35 processing fee per loan will automatically be deducted from your share savings or checking account as indicated above. Interest will continue to accrue on your loan during the month of December 2019. In order to skip your loan payment(s), all loans must be current and in good standing at the time we receive your request. Loans with collateral (i.e. autos, motorcycles, etc.) must have current insurance protection on file at the time of your request. You will not be permitted to participate in the offer if any of your Visionary FCU accounts have negative balances. Skip-a-Pay requests are not permitted on Home Equity Loans or VISA® credit card loans. Eligible loans may be permitted to a maximum of three (3) skip-a-payment requests per the life of the loan(s). Visionary FCU reserves the right to deny this offer for any reason. The loan must be open for 3 months in order to be eligible to skip a payment. Offer subject to change.

www.visionaryfcu.org 0676-Newsletter-0919

www.visionaryfcu.org

Credit union members have more to love: Get $100 for every new line activated with Sprint®

Visit LoveMyCreditUnion.org/Paul

Happy Birthday International

Credit Union Day!International Credit Union (ICU)

Day® celebrates the spirit of the global credit union movement. The day is

recognized to reflect upon the credit union movement’s history, promote

its achievements, recognize the hard work and share member experiences. International Credit Union (ICU) Day®

has been celebrated on the third Thursday of October since 1948.

The ultimate goal is to raise awareness about the tremendous work that credit unions and other financial

cooperatives are doing around the world and give members the

opportunity to get more engaged. The day of festivities for credit unions and financial cooperatives globally include

fundraisers, open houses, contests, picnics, volunteering and parades.

On October 17, 2019, join your global credit union family as we celebrate the 71st anniversary

of ICU Day®!

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Loans For Every Reason And SeasonRoof sprung a leak? We have a loan for that. Unexpected

medical bill? We have a loan for that. Back-to-school bills bigger than you thought? We have a loan for that, too. Credit unions were created to make loans to members for provident and productive purposes. That means we are here to help. We’ll

work with you to sort out what type of loan is the best for you. For example, if you have a balance on a credit card with a high

interest rate, chances are, a Consolidation Loan would be a good option to lower your payment and the total amount you’ll

have to pay. A Home Equity Loan is an excellent choice for making repairs and improvements to your home. Need a break

this coming winter? A Vacation Loan can help you get away. And of course, we have great rates and terms for new wheels. So

whatever the reason, or the season, when you need a loan, think of your credit union first.

Set up email notification alerts to help monitor your account activity. It’s easy and free to use!

Effective October 1, 2019, Visionary FCU will no longer mail paper notices for non-sufficient funds

(NSF) or Overdraft Advance (ODP). Electronic account alerts are available to you. Simply login to Net Branch to set up e-notifications on your account.

HOLIDAY CLOSINGS

Columbus Day Monday, October 14

Veterans Day Monday, November 11

Thankgiving Day Thursday, November 28

Christmas Holiday Tuesday, December 24

Close at 1:00pm Wednesday, December 25

New Years Day Tuesday, December 31

Close at 1:00pm

Wednesday, January 1, 2020

www.visionaryfcu.org

PHONE 412.221.6660WEBSITE www.visionaryfcu.orgEMAIL info@visionaryfcu.orgFAX 412.221.3414BRANCH/MAILING ADDRESS 201 Beram Ave Bridgeville, PA 15017BRANCH HOURS Mon-Tues-Thurs-Fri: 8:30am – 5:00pm Wednesday: 8:30am –1:00pm

VISA DEBIT AFTER HOURS 1.800.472.3272VISA CREDIT CUSTOMER SERVICE 1.844.348.7518VISA CREDIT CUSTOMER SERVICE INTERNATIONAL 1.301.945.35725,300+ NATIONWIDE BRANCHES www.sharedbranching.org 888.748.3266

Thank You For Your Service

A great big thank you from the Board and Staff of Visionary FCU to the brave men and women - our veterans - who have devoted themselves to preserving America’s freedom.

Every year on November 11th, we honor these military service men and women for the sacrifices they have made. Veterans Day, which officially became a legal holiday on June 1, 1954 to honor American veterans of all wars, is observed by showing gratitude and appreciation for our veterans and the commitment they have made to protect our country, and our way of life. Observed in cities and towns throughout the U.S., one of the traditional Veterans Day tributes is a wreath-laying ceremony at the Arlington National Cemetery. In addition, the week of November 11-17 is now known as National Veterans Awareness Week and is observed accordingly. As you go about your daily life, keep in mind that “freedom is not free.” Take a moment to thank and appreciate the selfless warriors who have given so much for our country and its people.

Protecting Your IDIdentity theft continues to be one of the fastest growing crimes in

the United States. ID theft is a crime where a thief steals your personal information, such as your full name or Social Security number, to commit fraud. The identity thief can use your information to fraudulently apply for credit, file taxes, or get medical services. Here are some ways to help prevent this from happening to you.

• Place outgoing “snail mail” in a secure mailbox. If you don’t have a locked mailbox, pick up incoming mail as soon as possible.

• Pay close attention to billing cycles. If a bill doesn’t arrive on time, it’s possible an identity thief has stolen it.

• Protect your Social Security number by leaving your card at home in a secure location. Do not carry it with you on a daily basis. Be very careful about giving the number out.

• Place passwords on bank, credit card, and phone accounts. Choose a password that mixes random numbers with letters. Do not use your birthday, your dog’s name, or anything else a thief could guess.

• Keep your information safe online. If you shop online frequently, consider having a separate account for your online purchases. Make sure you have virus protection - update it regularly.

• Do not give out any personal information over the Internet, on the phone, or through the mail unless you were the one to initiate contact or you are sure about the identity of the person or the company.

• Shred documents that you no longer need, including credit card applications, insurance forms, health forms, and billing statements.

• Store private documents in a secured location.

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