So many members are refinancing their homes to lower their current payment AND finally have the money to get those necessary home projects finished. So can you! Closing fees are minimal. Qualifying loans are mini, fixed and variable rate home equities. Walk out with a FREE HOME DEPOT GIFT CARD up to $ 250 to motivate you to D.I.Y.! Details on our website.

S P E CI A LP O I NT S O FI N TE RE S T:

• New Location!!• VEHICLE LOAN SALE

EXTENDED THRUOCT. 31, 2016

• NEW!PERSONAL LOAN SALE 2.265% APR. –36 months

• FREE HOME DEPOTGift Card (up to $250)(restrictions apply)

• Drive thru service

• 24/7 ATM-Serviceavailable Oct 5th

• Your ANNUAL PENis waiting for you!

Fall intosome

Money

FOLLOW US /KTFCU

Some things we only share on Facebook. Like us today!

Now that the moving truck is unloaded, all the boxes are unpacked, furniture in place, and of course, mint bowls filled… we are waiting for you! We had an exciting Opening Week with many members stopping by to celebrate, taking a look, entering to win a prize and leaving with a small token of our appreciation. If you weren’t able to join us, please watch for our Grand Opening Day announcement coming soon!

We would like to thank our entire membership and volunteers who supported us over the many years. You had the vision and perseverance to get us where we are today! Now it’s time to enjoy YOUR credit union.

“It is beautiful!!! Wow! We have come a long way from a janitor’s closet! Very well deserved!” - Carol (KTFCU member since 1986)

Cheryl’s Two Cents

Personal LoanSALE

2.265%apr.

36 months maximum termThru Dec. 31st, 2016

VEHICLE LOAN SALE More than just cars...

Refinance-remaining balance and termAbove rates up to 36 months.

See our website for all sale rates.Restrictions apply to all Credit Union loans.

2.265% apr.

3.265% apr.NEW

USED

Celebrating 2265 Sheridan Drive with 2 LOAN SALES!

F O L L O W U S O N F A C E B O O K / KT FC U

KENTEACHFCU.COM 2265 Sheridan DriveBuffalo, NY 14223

September 2016

Fee Change Notice 1 -2-3Effective Nov. 1, 2016, the fee for returned deposit items will be as follows:

$20 per item with an automatic resubmission

$00 per item on 2nd return

$20 per item on 3rd item when resubmitted at the member’s request

NEED MORE TIME TO FIND A CAR? GET PREAPPROVED & HAVE 30 EXTRA DAYS!

Add notices@kenteachfcu.com to your contact listso you Keep Up-To-Date on all our Important

Announcements.

Be a Know It All! View our homepage slideshow!

We’re so Green! Your Turn!Our building lights and

thermostats are“smart”-they sense

when to turn on & off.Our solar panels will beinstalled later this year.

We hope all our members who aren’t

GREEN yet sign up for e-statements ASAP.

It makes KTFCU’s bottom line more GREEN.

Staying warm this winter is a “SNAP”! Sign up for Remote Deposit Capture now!Then just “SNAP” a picture of your check &you’re done. No winter driving involved.Already using Kent, our online banking? Just go to our forms tab & submit the remote depositform. While there, be sure to check out our list of FAQs.

Website: KENTEACHFCU.COM

Phone: 877-1630 Fax 877-6456

Toll Free # 877-583-2848 (KTFCU4U)General Inquires:

memberservice@kenteachfcu.comRegarding loans:

ktfcuapplications@kenteachfcu.com

Monday – Thursday 10 a.m. – 4:30 p.m.

Friday - 9:30 a.m. – 4:30 p.m.

Monday, Oct. 10th - Columbus Day

Friday, Nov. 11th - Veterans’ Day

Thursday & Friday Nov. 24th & 25th-

Thanksgiving Holiday

Monday, Dec. 26th Christmas Holiday

Friday, Dec. 30th - Closing @ noon

Monday, Jan. 2nd - New Year’s Holiday

Keep

in To

uch

Office Hours

Some things we only share on Facebook.

Holiday Closings

CONGRATULATIONS to this year’s NYCU Scholarship Winners! From left to right– Board President, Dick Duquin, Allyson Fischer and Colin Maczka.

ARER U NYOU IN ? You will be once you refer an

eligible member to join. Be entered towin an Amazon Fire Tablet along

with the person you referred.

Referrals unlimited. So run with it.Now thru Nov. 18th