www.visionaryfcu.org 0676-Newsletter-0616

FALL 2018

Avoid the shopping rush and using a high rate credit card to get the job done. With the Jingle Bucks Loan Special you can enjoy a low rate loan and make the holidays bright for the ones you love.

APPLY TODAY!Apply online at www.visionaryfcu.org or call 412-221-6660 for more details!

Jingle Bucks, Jingle Bucks, Jingle…All the Way to the Holiday!

APPLICANT’S NAME GROSS MONTHLY INCOME*: *Income from alimony, child support, or separate maintenance need not be revealed

$ unless you wish such income to support a request for credit.

ADDRESS HOME PHONE NO. EMAIL ADDRESS (OPTIONAL)

( )

ADDRESS SOCIAL SECURITY NO. MORTGAGE/RENT PAYMENT:

$

EMPLOYER JOB TITLE OR OCCUPATION HOW LONG? BIRTH DATE HOME/CELL PHONE NO.

( )

BUSINESS ADDRESS (STREET & NO.) CITY, STATE, ZIP WORK PHONE NO.

PREVIOUS HOME ADDRESS (IF LESS THAN TWO YEARS AT CURRENT ADDRESS) CITY, STATE, ZIP HOW LONG?

CO-APPLICANT NAME (LAST, FIRST, MIDDLE) SOCIAL SECURITY NO. BIRTH DATE MORTGAGE/RENT PAYMENT:

$

HOME ADDRESS (STREET AND NO.) CITY, STATE, ZIP HOME/CELL PHONE NO. GROSS MONTHLY INCOME*:

$

EMPLOYER BUSINESS ADDRESS (STREET & NO.) CITY, STATE, ZIP HOW LONG? WORK PHONE NO.

( )

APPLICANT’S SIGNATURE o WE INTEND TO APPLY FOR JOINT CREDIT. DATE CO-APPLICANT’S SIGNATURE o WE INTEND TO APPLY FOR JOINT CREDIT. DATE

X ______________________________________________________________ X ________________________________________________________ _I/We certify everything I/we have stated in this application and on any attachments is correct. You may keep this application whether or not it is approved, and I/we authorize you to share this application with any of your affiliates for the purpose of determining whether I/we might qualify for other products you or those affiliates offer. I/We authorize you to check my/our credit and employment history and to answer questions others may ask you about my/our record with you. I/We understand that I/we must update credit information at your request if my/our financial condition changes.

* Supply two recent paystubs at time of application.

Quick Loan Application More information may be required.*

o OWN o RENT o LIVE WITH RELATIVE o OTHER

Amount Requested: $____________________

*APR=Annual Percentage Rate. Loan rates listed are: “as low as” rates and your final rate may be higher depending on credit worthiness and debt to income ratio. Other rates and terms available. Any or all promotional rates and offers may change and/or end without notice. Approval is based on normal underwriting requirements and income verification. $5,000 maximum.

4.95%APR*

up to 18 months

Holiday Cash with Skip-a-PayJust when you need it most, our Skip-A-Pay program can give you extra cash this

holiday season. Use the money to buy gifts, head out for a long holiday weekend, or pay off some bills. For just $35* per eligible loan, you can choose to skip your qualifying Visionary FCU Loan payment in December. To make your request, stop by the Credit Union, or complete the form below and mail it or fax it to us by November 30, 2018. Please note that ALL BORROWERS on the loan(s) must sign the form.

The $35 processing fee is a NON-REFUNDABLE FEE and will automatically be withdrawn from your Share Savings or Share Draft (Checking) Account at the time you sign up for the skip-a-payment program. If you make your loan payments with Payroll Deduction or Direct Deposit, your payment will be deposited into your Share Savings Account. Reminder: Throughout the month of the skipped payment in December 2018, interest will continue to accrue on your loan.

*You may choose to skip December 2018 payments only. No skip-a-payment request will be processed without payment of the fee. Home equity loans and VISA credit card loans are not eligible. Must be a member in good standing. All loans must be current as of November 30th to be eligible to skip December payments. Qualification for this special promotion is subject to approval. Processing fee is per qualifying loan.

Skip-A-Payment Request FormName __________________________________________________ Account Number ______________________

Daytime Phone ____________________________________________ Email Address __________________________

Please complete the form below and fax to 412-221-3414 or mail to:Visionary FCU, 201 Beram Ave, Bridgeville, PA 15017

*not all loan types are eligible and requests are subject to approval and a credit report review

Loan # ___________________ Loan #____________________ Loan #__________________

Please take the $35 per loan fee: From my share/savings account ______

From my checking account ______

***No Skip-A-Payment forms will be processed without payment arrangements for the fee to be paid at the time the form is processed. I understand that interest will continue to accrue on the unpaid balance and the term of my loan will be extended beyond my initial contract date. I also understand that my payments are to resume in January 2019.

Signature: ______________________________________________ Date: ______________

Joint Signature (if necessary) _______________________________ Date: ______________

By signing above, you authorize Visionary FCU to extend your final loan payoff date for each loan requested on this form. The $35 processing fee per loan will automatically be deducted from your share savings or checking account as indicated above. Interest will continue to accrue on your loan during the month of December 2018. In order to skip your loan payment(s), all loans must be current and in good standing at the time we receive your request. Loans with collateral (i.e. autos, motorcycles, etc.) must have current insurance protection on file at the time of your request. You will not be permitted to participate in the offer if any of your Visionary FCU accounts have negative balances. Skip-a-Pay requests are not permitted on Home Equity Loans or VISA® credit card loans. Eligible loans may be permitted to a maximum of three (3) skip-a-payment requests per the life of the loan(s). Visionary FCU reserves the right to deny this offer for any reason. The loan must be open for 3 months in order to be eligible to skip a payment. Offer subject to change.

www.visionaryfcu.org 0676-Newsletter-0616

CurrentNon Sufficient Funds Fee (NSF) $ 30.00 Overdraft Advance Fee $ 30.00 Overdraft Transfer Fee $ 5.00 Check Photocopy $ 6.00 Stop Payment Ach/Checks $ 25.00 0-60 daysACH/Check Return $ 30.00 Non Member Check Cash $ 5.00 Non Credit Union Check Returned $ 30.00 Clearing Exception $ 5.00

Statement Copy $ 6.00 Paper Statement Fee - For Users enrolled in Net Branch $ 2.00 per monthAccount (S1 or Checking) Closed within 90 Days $ 10.00 Account Research (15 minute increments) $ 15.00 Per HourAccount History Print Out $ 2.00 Per PageAccount History Faxed $ 2.00 Per Page

Lost Card Replacement $ 10.00 First Time $ 20.00 Additional Times

Rush Debit or Credit Card Replacement $ 50.00 Return Check Fee - VISA Credit Card $ 25.00 VISA Credit Card Late Fee $ 20.00

Cashier's Checks/Official Checks $ 5.00 Certified Letter Fee $ 10.00 Per LetterDormant Fee $ 10.00 Per MonthEscheat Fee $ 100.00 Garnishments/Levy/Subpoena Processing Fee $ 25.00 Loan Late Fee $ 20.00 After 14 daysOfficial Checks $ 5.00 Return Statement or Mail Fee $ 7.50 Travel Cards (Minimum $100.00 Reload) $ 4.00 Purchase FeeVehicle Lien Recording Fee $ 78.00 VISA Gift Cards $ 3.00 Western Union $ 25.00 Wire Transfers $ 25.00 Domestic

$ 75.00 International

Checking Account

Shares and Statement

VISA Debit & Credit Cards

Other Service Charges

Schedule of Fees and ChargesEffective 1/1/19

CurrentNon Sufficient Funds Fee (NSF) $ 30.00 Overdraft Advance Fee $ 30.00 Overdraft Transfer Fee $ 5.00 Check Photocopy $ 6.00 Stop Payment Ach/Checks $ 25.00 0-60 daysACH/Check Return $ 30.00 Non Member Check Cash $ 5.00 Non Credit Union Check Returned $ 30.00 Clearing Exception $ 5.00

Statement Copy $ 6.00 Paper Statement Fee - For Users enrolled in Net Branch $ 2.00 per monthAccount (S1 or Checking) Closed within 90 Days $ 10.00 Account Research (15 minute increments) $ 15.00 Per HourAccount History Print Out $ 2.00 Per PageAccount History Faxed $ 2.00 Per Page

Lost Card Replacement $ 10.00 First Time $ 20.00 Additional Times

Rush Debit or Credit Card Replacement $ 50.00 Return Check Fee - VISA Credit Card $ 25.00 VISA Credit Card Late Fee $ 20.00

Cashier's Checks/Official Checks $ 5.00 Certified Letter Fee $ 10.00 Per LetterDormant Fee $ 10.00 Per MonthEscheat Fee $ 100.00 Garnishments/Levy/Subpoena Processing Fee $ 25.00 Loan Late Fee $ 20.00 After 14 daysOfficial Checks $ 5.00 Return Statement or Mail Fee $ 7.50 Travel Cards (Minimum $100.00 Reload) $ 4.00 Purchase FeeVehicle Lien Recording Fee $ 78.00 VISA Gift Cards $ 3.00 Western Union $ 25.00 Wire Transfers $ 25.00 Domestic

$ 75.00 International

Checking Account

Shares and Statement

VISA Debit & Credit Cards

Other Service Charges

Schedule of Fees and ChargesEffective 1/1/19

0676-Newsletter-0616www.visionaryfcu.org

0676-Newsletter-0616

HOLIDAY CLOSINGS

Columbus Day Monday, October 8

Veterans Day Monday, November 12

Thankgiving Day Thursday, November 22

Christmas Holiday Monday, December 24

Close at 1:00pm Tuesday, December 25

New Years Day Monday, December 24

Close at 1:00pm

Tuesday, January 1

www.visionaryfcu.org

PHONE 412.221.6660WEBSITE www.visionaryfcu.orgEMAIL info@visionaryfcu.orgFAX 412.221.3414BRANCH/MAILING ADDRESS 201 Beram Ave Bridgeville, PA 15017BRANCH HOURS Mon-Tues-Thurs-Fri: 8:30am – 5:00pm Wednesday: 8:30am –1:00pm

VISA DEBIT AFTER HOURS 1.800.472.3272VISA CREDIT CUSTOMER SERVICE 1.844.348.7518VISA CREDIT CUSTOMER SERVICE INTERNATIONAL 1.301.945.35725,300+ NATIONWIDE BRANCHES www.sharedbranching.org 888.748.3266

$100 CASH REWARD WITH EACH NEW LINE* Another BENefit of membership!

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards. *Restrictions apply.

141224_Sprint_BEN_Newspaper_8.5x2.5_F1.indd 1 5/23/18 10:36 AM

Let e-Services Simplify Your LifeYour credit union is at your fingertips when you sign up

for electronic services. Once you enjoy the convenience, you will wonder how you ever lived without them. When you

receive your account statements electronically, you won’t have to worry about forwarding your mail if you’re away or a thief raiding your mailbox. We’ll send you an email alerting

you when your statement is ready, and you can then check it out at your convenience. E-statements save trees, too!

You also can save a trip to the credit union when you use our online branch: You can transfer funds, make a loan

payment, check your balance, pay your bills - all on your schedule, not the credit union’s schedule. Just scroll on over to our website to log on and complete your safe and secure transactions. Do the same at our mobile branch - use your

mobile device for fast, convenient financial services. Let the credit union’s e-Services simplify your life.

For more information, contact the credit union.

Branch Hours Changing Effective - October 1st

Visionary FCU is always evaluating our products and services, hours of operation, and technology to ensure that we are serving the needs of our members and doing what is best for the membership and the credit union. In recent years with the increase of electronic technology we have seen a decrease of personal members visits to our lobby and drive thru. In order to schedule staff more efficiently and keep our member cost of services down, we will be closing our Drive Thru at 5:00 p.m. on Thursdays effective October 1st. We invite you to visit a nearby shared branch location, online banking, and mobile banking to access your accounts during non-branch hours.