Midwest Carpenter & Millwrights Federal Credit Union


MIDWEST CARPENTERS & MILLWRIGHTS F.C.U. Annual Meeting 2010 We’re delighted to invite you once again to our annual meeting. This year’s meeting will be held at Teibel’s Restaurant in Schererville, In on Friday, August 6, 2010. Dinner will be served at 6:00pm. Reservations can be made by phone, fax, mail or email. Please make your reservations early as seating is limited. Annual Dinner Application	Invite Your Family Members To JOIN OUR FAMILY You already know what great service Midwest Carpenters & Millwrights F.C.U. provides. But does your family? Do they know that they qualify for membership simply because you are a member? Tell them to stop by our office, visit our website, or call our office and we will provide everything they need to open an account. Remember, even after 50 years we are still exclusively carpenters, millwrights and their families!!! Membership / Draft Application

Important news regarding your VISA Because of the Credit Card Act of 2009, in order to avoid late fees, your payment must be received by the due date on your statement.

Back to the beginning… Just as every person grows older, so does every business. And like people, it’s natural for every business to reflect on where they have been. How did it begin? What have we learned? Where do we go from here? Fifty years ago, our credit union was originally chartered as the “Local #599 Federal Credit Union.” We started with only 27 members. As word spread, more locals joined in and in 1971 we changed our name to “Indiana Carpenters Federal Credit Union.” Then, in 2006, we once again changed our name. We are now the “Midwest Carpenters & Millwrights FCU” and today we serve over 14,000 members. While our name may have changed, our commitment to our members has not! We believe in the spirit of brotherhood! That is why we have never expanded our field of membership. We believe that our name says it all. We serve only our brothers and sisters of the Indiana Kentucky Regional Council of Carpenters, all pensioners and annuitants of the IKRCC, plus employees of the IKRCC and our families. We want to thank our members for their continued loyalty and support. Our wish is to become our member’s Primary Financial Institution. Our goal is to continue providing the best service and products to our members.

24-Hour Lending We're On Call 24 Hours A Day, 7 Days A Week To Meet Your Borrowing Needs! 1-888-313-7836 VISA Application Form Loan Application Visit Our Currents Rates Page
APPLY FOR YOUR UNION VISA CARD Has your credit card company raised your interest rate? Charged you a fee for paying your balance off each month? Charged you a fee for not using the card? We Don’t!!! There are NO annual fees, NO monthly fees and for purchases made and paid in full every month, there is NO (0% APY) monthly interest charge. Accounts that carry monthly balances will have an 11.9%APR and members who are eligible and qualify for our VISA GOLD program will have a 10.9%APR and will receive and accumulate Bonus Points good for cash back credit. Show people and local businesses, who you are, apply for and carry your UNION Visa Credit Card. Simply go to our Web Application Section, complete the application and forward to the credit union, once approved you can transfer an existing balance from and close another credit card. VISA Application Form Credit CARD Act of 2009 WE OFFER MORTGAGES AND HOME EQUITY LOANS Are you in the market for a new home? Looking to refinance your current mortgage? Or maybe you just need to do some home improvement? Look no further! We offer 15 and 20 year Mortgages and Home Equity loans at incredible rates. Our 15 year loan allows you to finance up to 75% of the appraised value and the 20 year loan allows you to finance up to 80% of the appraised value. Our Home Equity loan allows our members to apply for up to 90% of the appraised valuation less the First Mortgage balance. Our minimum line of credit is $5000 and our maximum is $75,000. The interest rate on this loan is variable at Wall Street Journal Prime interest rate +1%. The rate is subject to a monthly revision on the first day of each month. Call us today to begin the application process for either of the above loans. Action Alert Please review your credit card statements for any unauthorized purchases or transactions. If there are any discovered please report them to Visa immediately at 1-800-289-5939. The telephone call will need to be followed up by a dispute in written format. Also, please notify Visa anytime you will be travelling. If you wish to learn more about our sponsor, please click on their website www.ikrcc.com The STAR Network Is Available To All Our ATM and Check Card Members Now As some of you may have read already, you will be seeing a new logo on ATMs across the country. MAC, STAR, and CASH STATION networks have merged to become simply the STAR network. As the country's largest PIN secured debit network, the combined companies will provide customers with access to more than 180,000 ATMs and 720,000 retail locations across the USA.
	We Offer GAP - For the Unexpected Guaranteed Asset Protection (GAP) is a voluntary program that we offer for your new or used vehicle loan. This financial protection covers the difference in the balance on a car and its declared value, as determined by your primary insurance carrier, in the event that it is damaged beyond repair or stolen and never recovered. GAP is a supplemental coverage and does not replace your standard Comprehensive, Collision and Liability coverage's, only enhances them. No matter how terrific a car is, the minute you drive it out of the show room it is worth less. Depending on where you live, the established market value could be less than the actual balance you owe on your car. With GAP, if your car is a loss, the deficiency will be covered. That includes the difference between your primary carrier's insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranties, and other insurance related charges. Included in the GAP payment is your primary insurance deductible, which is covered up to $1,000 if a deficiency exists. In addition, you are eligible for an additional $1,000 towards the purchase of a replacement vehicle financed through the credit union. Consider; you buy a car. The loan balance after one year is $15,000. The market value is $11,000. Your insurance deductible is $1,000. You total the car, and your insurance company pays $10,000. That leaves a difference of $5,000. $5,000 you would have to pay for a car that you no longer have! With GAP, that $5,000 is paid. Think about it! When you are applying for your next auto loan, ask about GAP. If you have any questions, please call (800) 543-5785. We'll be happy to explain! Home Financial Service & Bill Payer Now Available Home Financial Service (HFS) is immediately available and provides you with convenient secured access to your account(s) 24 hours a day – seven days a week. With this secured program you may check balances, transfer funds, check employer deposits, ATM & POS transactions, checking account deposits or check clearings and dividends earned through the Detailed History section of the program! To sign up, click on the Credit Union @ Home link and complete the application. Within 24 business hours we’ll set up your account for access and provide you with the temporary “PIN” number. The HFS program has a $5.00 monthly charge which includes Bill Payer. Bill Payer requires a checking account. To sign up now or after you’ve signed up for HFS, you need to click on the HFS icon, click the Bill Pay icon, click on Enroll, complete the required information in the Enrollment Form and hit submit. Once received, we will Email our response regarding your application within 24 business hours. Voice Response Routing & Transit # A routing number is a unique number, which identifies our financial institution from all others. You may be asked to supply ours when setting up your account for Direct Deposit of your Social Security or retirement check, or having a bill paid directly from you checking account. Our Routing Number is: 271991155 Switch and Save - No Contract Required For More Information Call 877.818.3656 or visit www.cuwireless.com