Embed Size (px)
Citation preview
Greater Mankato’s Community Credit Union Since 1934
Join us Tuesday, April 24th for the 83rd MVFCU Annual Meeting held at the
Courtyard by Marriott, next to the River Hills Mall Mankato.
The annual meeting is a great opportunity to hear about the state of the credit
union from the Board of Directors. We’ll be going over the credit union’s strong
financial position, current economic and business issues, and future goals. We
will have special treats for all attendees, prizes and a delicious buffet dinner. It’s
also a chance for you to mingle with fellow members, connect with old friends and
meet the new board members. When members actively participate and share
ideas, the entire credit union benefits. Call 387-3055 or visit our website to RSVP.
Have a question or concern you’d like the Board of Directors to address? Visit our
website www.mnvalleyfcu.coop or email [email protected] to submit your
request.
This year’s guest speaker topic will be:
Greater Mankato: Yesterday, Today,
and Tomorrow.
Annual Meeting
Agenda
5:30pm Doors Open
5:45pm Meal
6:30pm Meeting Starts
7:00pm Guest Speaker
Administrator:
John Harrenstein
Greater Mankato:
Yesterday, Today & Tomorrow.
7:45pm Prizes & Meeting
Wrap Up
8:00pm Meeting Ends
LOW Rate Loan Options
New & Used Automobile
Home Equity Loan
Home Equity Line of Credit
Recreational Equipment
Boat & RV
Share Secured
Unsecured
First Mortgage
Small Business
MasterCard Credit Card
Rewards Credit Card
Line of Credit
Call for our GREAT Rates!
A shred truck will be at both branch locations, Adams Street and Memorial View Ct., Saturday, May 5th from
9am-11am. Bring old tax documents, statements, and other confidential papers to shred. This is a free service
allowing people to shred up to 75 pounds of paper. Tell your friends and family! This service is open to the public.
Get a head start on your spring cleaning and get rid of all those old documents.
Community Shred Day May 5th!
April 2018
Stay Informed, Involved and Engaged.
John Harrenstein
North Mankato
City Administrator
Auto loan refinancing could bring lasting benefits if:
• Interest rates have gone down a couple of percentage points since you took out
your loan.
• Your credit has improved, which might qualify you for better rates.
• You’re on a tight budget and could use
additional cash.
• There’s enough time left and money owed on
your loan that a refinancing could bring signifi-
cant savings.
• Your current loan has no prepayment penalty
Are You a Good Candidate for Refinancing?
What are Your Home Plans this Spring?
Spring is always a busy time of year in the real estate market. You may be a potential buyer or current homeowner
considering:
• Purchasing your first home; purchasing a bigger home to
accommodate a growing family, or buying a smaller home if you are
an empty nester.
• Refinancing to lower your payment change the terms of the loan; im-
prove cash flow;or borrow against the equity.
• An Equity loan to pay for expenses– such as debt consolidation,
major purchase or home improvements
Whatever your home plans may be, start with Minnesota Valley Federal Credit Union. We have a variety of
affordable Mortgage and Equity Loans and our Mortgage Loan Officers will help you with financing that fits your
personal situation.
To apply and learn more about our current offers, call us, 507-387-3055 or stop buy one of our branch
locations in Mankato. You can also visit www.mnvalleyfcu.coop
Use for ANY of your
spring plans
- Home Improvements
- Paint & Supplies
- New Appliances
- Landscaping Supplies
MVFCU’s Text Banking Can Make Your Life Easier
*In most cases, MVFCU will pay closing costs up to $450 if standard conditions are met. Certain restrictions may apply. Early termination occurs when loan is satisfied. If early termina-
tion occurs, any closing costs paid by MVFCU must be repaid by borrower. Rate, terms and conditions are subject to change without notice. Loans are subject to creditworthiness.
This offer is subject to normal credit qualifications. Some additional restrictions may apply. Speak with a loan officer for complete details.
Text Banking is an easy way to get small bits of your account information
quickly. Simply text one of our short codes to 454545 and you will receive the
information via text message.
BAL = Current Primary Account Balance
LAST = Last 5 Transactions
BAL ALL = All Current Account Balances
A Guide to Buying Your First Car.
Buying your first car is exciting! But with all the makes and models available today, picking out the perfect car can be a little daunting. Here are a few tips to help you prepare to purchase your first car.
• Set up a realistic budget. How much can you afford to spend on a car? An easy way to learn what you can
afford is to get preapproved at your local Credit Union of Bank. Once you know what you can afford, stick to that amount. Also prepare for additional expenses like gas, insurance, registration, title fees, taxes, mainte-nance and repair costs.
• Do your research. Sure, that sports car looks fun, but how much money will it take to keep it running? Make a
list of things you need in a car and research reliability, safety features and gas economy for different makes and models of vehicles.
• Only buy what you can afford. If you’re financing a car, make sure you can put down at least 20 percent of
the car’s price or you’ll probably end up owing more than it’s worth. If you can’t afford to put down the 20 per-cent or pay off the car in 48 months, don’t buy the car. Instead, purchase a less expensive vehicle or wait until you’ve saved more money.
• Read the fine print. If you finance a car, know what you’re committing to.
Dealerships love to convince people they can afford a monthly payment, but sometimes the cost is higher than you think.
• Take someone with you to the dealership. Do you know anyone who has a
knack for making a deal? Or who knows cars inside and out? Get them to go with you for the test drive and take them out to lunch as a thank you. Having someone with some insight on your side at the dealership can help you make a wiser decision and possibly negotiate a great deal.
Buying your first car is a step toward financial independence. By following these tips, you’ll be sure to make the
right choice at the right time.
But, what about your car loan?
You take care of your car.
“Refresh your auto loan rate from another
financial and save!”
Talk to a loan officer today!
507-387-3055 or email
How much do you spend on groceries each month, or eating out?
What about shopping, or entertainment? Money Management
makes it easy for you to quickly identify your biggest expenses,
as well as dive into the smallest details.
Money Management can help monitor all of your financial
information in one place. You can link checking and savings
accounts, investments, credit cards, loans, or other lines of
credit from almost any financial institution. These accounts
will automatically update every time you visit the feature in
Online Banking.
Business Name
Mankato-Uptown Office
1640 Adams Street
P.O. Box 4399
Mankato, MN 56002
Mankato-Downtown Office
100 Memorial View Court
P.O. Box 4399
Mankato, MN 56002
Lobby Hours
Monday - Friday
9:00AM-5:00PM
Saturday (Uptown Only)
8:00AM-12:00PM
Drive-up Hours
Monday - Thursday
7:30AM - 5:30PM
Friday
7:30AM - 6:00PM
Saturday
8:00AM-Noon
Phone Numbers
Office: (507) 387-3055
Toll Free: (800) 247-0522
Fax: (507) 387-5235
A.R.T: (507) 387-3088
A.R.T. Toll Free: (877) 886-9100
Lost/Stolen Card: (800) 234-5354
PIN Change: (888) 891-2435
www.mnvalleyfcu.coop
Federally insured by NCUA
YES YOU CAN
Mission Statement
To exceed the expectations of our “member - owners” and become their most valued
and trusted financial institution, always in keeping with the cooperative principles.
Serving Counties of: Blue Earth, Nicollet, and Le Sueur
Download the Mobile MVFCU app in the Apple or Google Play Store and securely
access and manage your accounts from your smartphone or mobile device.
The Ultimate on the Go
Solution for Banking!
Every child dreams about their future. Some of those dreams may require money to
come true. How do you help your children achieve their dreams? One way is to help
them learn how to save their money. This month, Minnesota Valley Federal Credit
Union is celebrating Youth Month, which is a program that helps teach and
encourage kids to develop good
financial habits.
The theme this year is “The Science of
Saving,” showcasing fun, sci-fi-inspired
characters. Science has proven that if you
start with small goals, saving your money can
become a regular habit. This year’s Youth Month inspires children to begin
saving the money they earn so they can attain their dreams of a happy future.
April is Credit Union Youth Month.
“Science has proven that
if you start with small goals,
saving your money can
become a regular habit.”
