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Important Overdraft Service Information

 

Members of Tri-State FCU have enjoyed our Overdraft Privilege Plan for over 5 years.  This valuable program has saved members the embarrassment of having checks and recurring ACH items returned NSF, and a second Overdraft Fee charged by the receiver of the item.

 

A separate mailing will be sent to all members with a checking account, as required by new government regulations.  This letter will inform members that they must consent to Opt-in to our Overdraft Privilege Plan before August 15, 2010, in order to keep this service on their account.

 

YOU MUST COMPLETE THE OPT-IN AGREEMENT TO KEEP THE SERVICES THE SAME ON YOUR ACCOUNT.  Just call or stop in at the office nearest you.  Someone will be glad to assist you in maintaining the Overdraft service you have enjoyed in the past.

 

 

 

 Car Loan Stimulus Extended!!!

 

Don't put off buying that new car another year!  The 4th Quarter Car Loan Stimulus was such a huge success that Tri-State Federal Credit is extending these great rates into the 2nd Quarter of 2010.  For a limited time, all car loan rates will be reduced with rates as low as 4.99% APR on a 48-Month New Car Loan.  And don't forget - those members qualifying for our Member Rewards Program can reduce their rate by another .25% to a low 4.74% APR.

 

 

  

Start out the New Year in new wheels and save thousands of dollars with the current manufacturer sales incentives and our super low car loan rates.  For more information on this Car Loan Stimulus, contact our nearest branch office. 

 

 

 

 75th Annual Meeting Election Results

 

The 75th Annual Meeting of Tri-State FCU took place Saturday, May 1, 2010 at the Mountaineer Casino and Convention Center.  Incumbents William A. Bittner, Aldo R. Mase, and John M. Burda were elected to serve three-year terms on the Board of Directors.

 

Chairman, Daniel D. Wolfe, conducted the Business Meeting.  He commented on the difficult economy and reported that the Credit Union ended the year with $38.9 million in assets, $12.2 million in loans, and a very strong capital ratio of 10.0%.

 

A total of 156 members dined on Kentucky Derby Day, and enjoyed a gift raffle at the meeting's close.  The Board, Committees, and Credit Union Staff wish to thank everyone for their support.  See you at next year's meeting!

Enterprise Sizzling Summer Used Auto Sales Event

 

From June 1st thru July 31st, 2010, Enterprise Car Sales is offering some great deals!  Get Blue Book® trade-in value on your vehicle, PLUS $500!  Call the Credit Union to get pre-approved for your loan, then stop by your local Enterprise Car Sales to see a great selection of quality used vehicles!  No haggle pricing, vehicle certification, 7-day repurchase agreement, 12/12 limited powertrain warrenty, 12-month roadside assistance, fee CARFAX® reports, and your trade-in is welcome!

 

 

 
Military Saves & America Saves
As a member of America Saves or Military Saves, you can receive tips and tools to help you set goals, develop strategies to reach those goals, and to start saving.  Click either of the web sites above for information and to enroll so that you can be an American Saver.

 

 

 

Protecting your Debit Card

To protect your debit card against fraudulant use, Tri-State Federal Credit Union has implemented Real-Time Falcon Decisioning on March 5, 2007.  A member's transaction could be declined at the point-of-sale if Falcon considers the transaction to be suspicious based on previous activity.  Please CLICK HERE for a statement on our security and how to contact your credit union.

It's Time to make your IRA Contribution!

 

Tri-State Federal Credit Union has IRA investment products that help you maximize your tax advantages and save money for the future.  We make it easy to save for retirement, and best of all, the money you invest now will save you a bundle at tax time!  Here's a brief summary:

 

  • Traditional IRA's let you contribute up to $5,000 in 2010
  • Roth IRA's let you contribute up to $5,000 in 2010
  • Catch-Up Provisions let workers ages 50+ save an additional $1,000 per year in 2010

 

So make your future more secure, collect more interest, and have the peace of mind that comes from knowing that your credit union IRA is federally insured and your savings are protected.

 

Risk Based Lending is Here!

 

 

Members win because we now:

  • Serve a larger segment of our membership
  • Offer low-risk members better rates
  • Provide faster service for average-risk members
  • Approve more loans for many higher-risk members