Quarterly InterestTELCOE FEDERAL CREDIT UNION

make more. get more. save more. | Spring 2020

New Auto LoansAS LOW AS 1.99% APR

Home LoansAS LOW AS 3.00% APR 15 YR

Personal LoansAS LOW AS 7.25% APR

60-Month Certificate2.40% APY

Rates quoted as of 03/24/20 and are subject to change anytime.

www.telcoe.com/rates

April Is Youth Month!

Available April 1 – April 30 • Must be eligible for youth account and 0 – 18 years

of age • $500 minimum deposit – $5,000 maximum per

youth membership • E-statement election is required for premium rate quoted

And there’s more! • Youth accounts – random prize drawings all month • Coloring contest – $25 savings deposit prize• Scholarship – Open to high school seniors who plan to attend a university,

college or technical college/school. Visit www.telcoe.com/scholarship to apply. The deadline to submit your application is Thursday, April 30.

*APY=Annual Percentage Yield. Rates quoted as of 03/24/20. Rates subject to change anytime.

In this issue of QUARTERLY INTEREST, there is one hidden code somewhere in the text. The hidden code to look for is “telcoenotepad”. The first member to find the hidden code and contact the Telcoe Marketing Department will win $25.

3-YEAR YOUTH SHARE CERTIFICATE OF DEPOSIT 3.00% APY*

We’re Here for YouDuring these uncertain times, taking care of our members and staff is our top priority. While our branch lobbies remain closed for your safety, we are open for business over the phone, online and at the drive thru. Visit www.telcoe.com for more information on how we’re helping our members through this challenging time.

Smart People Refi nance Their Car at Telcoe FCU.Telcoe offers:• Rates as low as 1.99% APR*• Up to 90 days before your first payment• Wide range of terms• Same-day funding options• GAP, warranties and payment protection available

Apply online!

* APR=Annual Percentage Rate. Membership eligibility required. Final rate is set by your credit score, terms, LTV, and payment method. Rates can change at any time. Approval is required. Offer could end at any time.

Make the smart move – refinance with Telcoe! Apply online, over the phone or in one of our branches.

4P BR 8.5x11 (8.5x3.7) LTR-FD Outside

We always put members fi rst.

WWW.TELCOE.COM | 501.375.5321 | 800.482.9009

LITTLE ROCK - MAIN & MIDTOWN | SHERWOOD | RUSSELLVILLE

BRANCH LOCATIONS:

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Free Member Webinar Events

How to Raise Money-Wise Children

Becoming a Job Applicant Who Is Sought After

Social Security and How to Retire at 62

Visit www.telcoe.com/seminarsfor more details! telcoenotepad

Introducing the New Telcoe.com! We have unveiled a new, redesigned website to provide an improved member experience. Some of the highlights and most popular features on the new website include:

• Search• Financial Calculators• Secure Applications• Branch Locator• Product Comparison Tools• ADA Compliant

Memorial DaySaturday, May 23 and

Monday, May 25

Independence DayFriday, July 3 and Saturday, July 4

Reminder: With our Branch Night Deposit and Mobile App Deposit,

we are open 24/7/365.

Holidays & Closings

Does It Pay to Refinance My Home?With interest rates at historic lows, you may be wondering if this is the time to refinance your home loan. Here are some things to consider when deciding whether to refinance:

• How low is the rate? When you factor in closing costs and fees, a fractional rate reduction may not save you any money. Your mortgage lender can crunch the numbers and help you determine if refinancing makes sense.

• How long do you have left on your current loan? If you only have a few years left on your mortgage, you may not want to refinance to another 15-year loan.

• Are you planning to sell? If your plans include selling your home in a year or less, refinancing probably doesn’t make much sense.

• What will it cost to refinance? Appraisal fees, title fees, underwriting fees, application fees, pre-paid escrow costs and other costs need to be paid by you at closing. Refinancing might not make sense if these fees would further stress your finances.

Contact Telcoe FCU today at www.telcoe.com and fill out our SHOULD I REFINANCE form.

Do More with Your Debit CardYou could win incredible prizes just by using your Telcoe Mastercard® Debit Card – from a $75 statement credit to as much as $750 or more. The more purchases you make, the bigger your prize could be.NO PURCHASE NECESSARY. Void where prohibited. U.S. res. 18+. PIN-based debit,Int’l & corp. transactions ineligible. Ends 05/31/20. https://jhasurprisespromo.com/

4P BR 8.5x11 (8.5x3.7) LTR-FD Inside