CAROLINECAROLINECAROLINEThe

Spring 2017

TIME FOR THAT SPRING FLING…WITH RATES AS LOW AS 1.74% LET US HELP YOU GET THAT VEHICLE YOU’VE BEEN DREAMING ABOUT!

Before you buy a vehicle anywhere, get your financing with Carolina Federal Credit Union first! Let us put you in the driver’s seat with a pre-approved loan and avoid the financing at the dealership. With our easy to complete applications and quick-in house approval, we’ll have you driving your dream car that same day! • Rates as low as 1.74% APR* on new vehicles • Used vehicle loan rates as low as 2.24% APR* • 100% financing with no down payment • Financing up to 84 months** • Optional credit life and disability insurance • Optional GAP and warranty coverage • No set-up fee or pre-payment penaltiesVisit our website at www.carolinafcu.org and complete a quick, on-line application to get pre-approved! You can also apply over the telephone (800) 378-1955 or stop in to see us. Just ask for a loan officer who can show you how easy it is to get the vehicle you’ve been dreaming about! Join the number of members who have found their vehicle and financed through Carolina Federal Credit Union, where we treat you like family…because you are!*APR = Annual Percentage Rate. Rates & terms are based on evaluation of credit history. Proceeds of $3,000 or more are required to receive promotional rate on existing loans. Promotion begins April 1, 2017.

DOES YOUR VEHICLE HAVE GUARANTEED ASSET

PROTECTION?

Did you know if your vehicle is stolen, accidentally damaged beyond repair or otherwise declared as a total loss, you are still liable to pay the difference or the “GAP” between your insurer’s settlement and your loan balance? Avoid having that “GAP” come out of your pocket! Talk to a Loan Officer to learn how your credit union can offer you “GAP” at a lower cost than a dealership. Plus our coverage will provide you with $1,000.00 toward the down payment of your next vehicle if you finance at Carolina Federal Credit Union!

FUN AT GASTONIA GRIZZLIESBASEBALL GAME ON FRIDAY, JUNE

9TH

Be sure to put Friday, June 9th on your calendar so you can join Carolina Federal Credit Union staff and other members at Sims Park when the Gastonia Grizzlies play ball! We’ll greet you there and have some great door prizes, so be sure you look for us and visit the booth we’ll have set up by the stands! Free tickets will be available while they last at the Credit Union Annual Meeting on May 17th and in the branch following the meeting date. Watch for more information on our Facebook and website or go to the Grizzlies website at www.gastoniagrizzlies.com See you at the ball game!

9TH ANNUAL CAROLINA FREIGHT REUNION IS SEPTEMBER 30TH

Have a great time seeing old friends and making new ones at the Carolina Freight Reunion to be held on Saturday, September 30th! Watch for more details at the C. Grier Beam Truck Museum website www.beamtruckmuseum.com or contact them direct at 704-435-3072.

Car SalesHassle-Free Buying, Worry-Free Ownership

equal housingLENDER

We treat you like family...because you are.1200 East Church Street • Cherryville, NC 28021

(800) 378-1955 • (704) 435-0186www.carolinafcu.org

memberservice@carolinafcu.org

Holiday Closings:Memorial Day

Monday, May 29

Independence DayTuesday, July 4

Labor DayMonday, September 4

MArK YOUr CALenDArS FOr TheCArOLinA FeDerAL CreDiT UniOn

AnnUAL MeeTing!

Find out what’s happening at Carolina Federal Credit Union! Meet all the staff and there’s a chance to win a door prize too! We’ll review the credit union’s annual report and introduce your 2017 Board of Directors. The following candidates have been nominated for the Carolina Federal Credit Union’s Board of Directors:

Patsy Irvin Jason Raines Brad Rivers Dixie WallWednesday, May 17 at 5:30 p.m. at 1200 E. Church Street, Cherryville, NC

Remember, everyone who attends will receive a FREE ticket to the Gastonia Grizzlies Baseball Game Friday night, on June 9th at Sims Park in Gastonia.

heLp OUr YOUTh “giVe A hOOT ”ABOUT SAVingS!

April is National Credit Union Youth Month and Carolina Federal Credit Union is helping our younger community members become financially fit! Our President Donna Beringer states “We want to continue our focus of passing along basic money skills to the next generation so that these kids might have a brighter future! The theme of this year’s month long event is Help Our Youth Give a Hoot about saving! At Carolina Federal Credit Union, children can start a Kirby Kangaroo Club savings account with a $5.00 deposit. We’ve got games and tips for savings on our website too! Also, teens can open a checking account at age 16, with their parent or guardian as joint owner on the account. For kids going off to college or starting a new job, we’ve have tools to help them save, build their credit and more! Just contact a Member Service Representative today and get started saving for your future!

BeAT The DeADLine & SAVe Up TO $15 On TurboTax®AnD SAVe MOre WiTh LOVe MY CreDiT UniOn reWArDS!

The tax deadline is April 18th! This year, file your taxes the smarter way and save. Carolina Federal Credit Union members can save up to $15 on TurboTax® federal products. With TurboTax® you don’t need tax knowledge – or an appointment – to get your taxes done right. • Get your maximum refund. TurboTax searches over 350 deductions and credits to make sure you get your biggest possible refund, guaranteed. • Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you through any final changes, and gives you the green light to file. • You’re not alone. Connect with an expert live, on-screen to get answers when you need them with TurboTax SmartLook™.More Savings with Love My Credit Union Rewards!The TurboTax credit union member discount is just one of many member discounts available with the Love My Credit Union Rewards program. Members have saved nearly $2 billion with exclusive offers Sprint, ADT, TruStage, and cash back shopping with Love to Shop. The more offers you take advantage of, the more you save. Visit www.carolinafcu.org for more details.State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners. Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information.

SAVe TO Win! SAVingS WiTh BeneFiTSAnD There’S nOThing TO LOSe AnD eVerYThing TO Win!!

It’s a new way to save at Carolina Federal Credit Union! Open a “Save To Win” certificate savings account with a minimum deposit of $25.00 and you are entered into a national program that gives you chances to win prizes on a monthly and quarterly basis. For every $25.00 you deposit, you get an entry! You have a chance to win $25.00 each month for each deposit of $25.00 and every quarterly you also have a chance to win prizes from $500.00 to $5,000.00. Each time you make a $25.00 deposit, you have another chance to win...up to 10 chances every month! Plus, all the money you deposit into the “Save To Win” account is still yours, with dividends! In addition, the credit union will be holding our own drawing for our members only for 2 (two) - $25.00 monthly winners and 1 (one) $50.00 quarterly winner. We’ll have our own member drawing for a chance to win $500.00 for all entries in 2017! To participate you must be at least 18 years or older, a legal resident of a prize-linked saving state and a member at a participating credit union. Not everyone will win a prize but if you make regular deposits into your Save To WIN account all year, you are guaranteed to end up with more money saved than you started with! Visit www.carolinafcu.org or www.savetowin.org to complete a membership application and find more details regarding the “Save To Win” program, or call a Carolina Federal Credit Union Member Service Representative at (800) 378-1955.Note: Official account information and prize entry rules and a complete list of prizes is available at www.savetowin.org. Void where prohibited by law. Federally insured by NCUA. Program administered by CU Solutions Group 2015. All rights reserved.