Less is More –
Especially when it comes to our loan rates!
Our loan rates are a lot LESS
than those big banks, which gives
you MORE when it comes to
saving money.
If you want to refinance your home
or vehicle or just consolidate your
debt to a loanrate that is less than
what you're paying now, stop by or
call NorthStar Credit Union. Let us
see if we can help lower your existing
loan rate from another financial
institution.
Check out our Sizzlin' Summer Loan Rates
* 1, 2, 3 This offer is not a pre-approval. Offer is valid to
NorthStar CU members only. Actual rates are based on
individual creditworthiness. Not all members will qualify.
All applicants must be 18 years or older. Rates, terms and
conditions are subject to change. Other restrictions may
apply. APR is annual percentage rate. 1Vehicles must
be model 2003 or newer. Auto loans currently financed
through NorthStar are not available to be refinanced
with this offer. Owner is responsible for title fees. Floor
is set at 3.99%APR up to 48 months or 4.99%APR up to
72 months on auto loans, or 26.99%APR up to a five year
maximum on unsecured loans. 3Finance up to 85% of the
appraised value minus any current mortgage balance.
Home Equity Loans are available on one to two unit
owner occupied dwellings. 5.00%APR floor rate. Loan
must remain open for 36 months or member will be
responsible for reimbursement of processing fee. |
 |
|
The Safe, Easy and Convenient
Way to Carry Cash |
|
Carrying an ATM/Debit card is a safe and easy way to carry
money, especially if you are going off to college or traveling.
Your NorthStar ATM/Debit card gives you access to your NSCU checking account at
home and across the nation any time, at your convenience. Withdraw money from
your checking account at thousands of surcharge-free ATMs, or use your card to make
purchases wherever the MasterCard® logo is displayed without writing a check. Also,
you can easily cancel your debit card if it is lost or stolen, keeping your money safe.
If you don't have a NorthStar MasterCard ATM/Debit card visit our website or
branch and sign-up for one today. |
 |
|
|
|
Home Ownership
The prospect of owning your first
home stirs lots of excitement... and
lots of questions. Here are a few that
may be on your mind:
Is buying a house a smart
move for me?
Don't let the mortgage misery
of recent years scare you away.
Buying a home is still a good investment, if you buy and borrow smart. That means
not getting in over your head. NorthStar can help you determine what you can
handle financially.
When should I talk to a lender?
Too often, first-time buyers start by shopping for a house. Know what you can afford
before you start house-shopping so you won't waste your time.
What are my mortgage options?
Two key mortgage categories include:
- Fixed-rate - The interest rate stays the same throughout the life of the loan,
typically 15, 20, or 30 years. Your monthly payment will remain the same
during that time.
- Adjustable-rate – The interest rate starts a bit lower and then may go up or
down at specified intervals.
The fixed-rate loan gives you the security of knowing your payments won't
rise. But if you're certain you'll be selling in a few years, an adjustable-rate
mortgage, locked in for at least as long as you plan to own the house, might
be right for you.
These are options you can talk over with our credit union-owned mortgage
division, CU/America. Call them at 800.351.0449 and get on the right path to
home ownership. |
|
Protect Yourself from
Identity Theft
Identity theft occurs when someone uses
your personal identifying information,
such as your name, Social Security
number (SSN), or credit card number,
without your permission, to commit
fraud or other crimes or to get credit
in your name.
No one can totally eliminate the risk
of identity theft. Protecting your
SSN, financial account numbers, and
passwords will reduce your chances
of becoming a victim:
- Don't carry your Social Security
card in your wallet unless you
need it that day.
- Avoid using public computers to
access financial accounts, and use
intricate passwords.
- Limit personal information online.
- Shred any paperwork that
contains nonpublic information.
- If you access financial accounts or
shop online, make sure the Web site
is secure. Secure sites have an "s" after the http–https://.
- Check your credit report at
annualcreditreport.com and
monitor your transactions.
Reconcile your accounts regularly.
- Keep an inventory of everything in
your wallet and your PDA.
For more identity theft prevention
tips, call or stop in
a NorthStar branch
today. If you ever
become a victim
of identity theft,
remember that we
are here to help.
Copyright 2010 Credit Union
National Association Inc. |
|
August 14th is NorthStar's
Community Appreciation Day!
Don't miss this FREE Community Day Event from 8:30am – 3:00pm on Saturday,
August 14, 2010 in our main branch parking lot, 3 S. 555 Winfield Road, Warrenville. This
event is open to all the communities NorthStar Credit Union serves. There will be food,
fun, and giveaways, long with special events going on throughout the day:
- Shred truck - 11:00am – 2:00pm
- Mortgage Seminar - 1:00pm – 2:00pm
(Please register for this event on our website,
seating is limited.)
- Warrenville Firemen & truck - 1:00pm – 3:00pm
- New and used cars onsite - available to purchase
from our preferred dealers.
- AND much more
Come out and join us – we hope to see you there! |
 |
|
|
Congratulations to Victoria A. from Sugar Grove, Illinois !
Her name was
randomly chosen as
our E-Statement user
winner and she received a $25 Gas Card.
You can win too!* If you are signed up for
NSCU's E-Statements, you are automatically
entered in our monthly drawing. If you're
not, click here
to sign up today and you too will be
automatically entered.
*We will draw one name at the end of each month from our
E-Statement database. NSCU Employees are not eligible to win. The
last monthly drawing will take place 12/31/10. |
|
In observance of
Labor Day, all NSCU
branches will be closed on
Monday, September 6, 2010.
NorthStar is a proud sponsor of
Warrenville's Summer Daze,
August 6 - 7th.
Go to www.warrenvillechamber.com for details on the event. |
|
|
|
|
