wanigas.com October 2014 “It’s time for you to shine” Holiday Skip-A-Pay PAGE 4 International Credit Union Day PAGE 2 • $1,000 or $1,500 Holiday Loan • 12-month term • No Credit Check • No Debt Ratio $1,000 = Less than $95 a month payment set up on auto transfer. $1,500 = Less than $141 a month payment set up on auto transfer. *Must have a minimum $1,000 monthly direct deposit into a Wanigas account, 6 months verifiable income, be current on all Wanigas loans. $1,500 offer only available to members that were issued and paid off a 2013 Holiday Loan. Offer expires December 31, 2014. SHORT ON CASH FOR THE HOLIDAYS? GUARANTEED $1,000 or $1,500 Holiday Loan* PAGE 3 Check Out Our NEW LOOK! Our Website Is Now Easier to View on your Tablet, Smartphone or Laptop
Transcript
wanigas.com
4
October 2014
wanigas.com
989 • 759 • 5780 800 • 675 • 2285 “It’s time for you to shine”
Holiday Skip-A-Pay page 4
International Credit Union Day page 2
•$1,000or$1,500 HolidayLoan•12-monthterm•NoCreditCheck•NoDebtRatio$1,000 = Less than $95 a month payment set up on auto transfer.
$1,500 = Less than $141 a month payment set up on auto transfer.
*Must have a minimum $1,000 monthly direct deposit into a Wanigas account, 6 months verifiable income, be current on all Wanigas loans. $1,500 offer only available to members that were issued and paid off a 2013 Holiday Loan. Offer expires December 31, 2014.
SHORT ON CASH FOR THE HOLIDAYS?
GUARANTEED
$1,000 or
$1,500Holiday Loan*
page 3
Check Out Our
NEW LOOK!
Our Website Is Now Easier to View on your Tablet, Smartphone or Laptop
To take advantage of this offer, simply fill out the form below and return it to Wanigas. The payment(s) you skip will be added to the end of your loan term, and normal interest charges will continue to accrue. Other restrictions may apply. Please contact Wanigas for details. *First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after June 1, 2014 are not eligible for this offer.
Holiday Skip-A-Pay!*
SKIP
-A-P
AY
FORM
I would like to postpone my Wanigas Credit Union loan payment.* o Please deduct the $25 processing fee from my:
Account Number ___________________________ o Savings o CheckingoI have enclosed a check totaling $25 for each postponed loan.
Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after June 1, 2014 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year. Account Number Loan Suffix Payment Amt. Month To Skip_________________________ ______________ __________________ o December_______________________ _____________ ________________ o December_______________________ _____________ ________________ o December* I authorize Wanigas Credit Union to postpone my December payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.
______________________________________________________ __________________ _________________________________________________________Primary Member Signature Date Daytime Phone
______________________________________________________ __________________ _________________________________________________________ ____________Co-Signer Signature (Required if loan has a Co-Signer) Date Processed by Date
Holiday ClosingsCOLUMBUS DAY
Monday, October 13th
VETERANS DAYTuesday, November 11th
THANKSGIVINGThursday, November 27th
CHRISTMAS EVEWednesday, December 24th
branches close at 1:00 pm
CHRISTMAS DAYThursday, December 25th
NEW YEAR’S EVEWednesday, December 31st
branches close at 1:00 pm
NEW YEAR’S DAYThursday, January 1, 2015
IMPORTANT NOTICE TO DEBIT CARD HOLDERS: Notice of Change to MasterCard Rules found in
the Electronic Funds Transfer Disclosure
The new MasterCard liability rules make the following revisions effective October 17, 2014:
l The zero liability rule will now apply to all transac-tions conducted with a MasterCard branded card, including PIN-based transactions at Point of Sale and ATM. Previously, zero liability only applied to Point-of- sale Transactions.
l A cardholder will not be liable for any unauthorized
transaction, as long as:1. The cardholder has exercised reasonable care in
safeguarding the card from risk of loss or theft.2. Upon becoming aware, promptly reporting the
loss or theft to the issuer. Previously, if the above conditions were not met your liability was the lesser of $50 or the amount of property, labor or services obtained by the unauthorized use prior to your notification to us. This maximum of $50 has been removed.
E A S Y L OA N A P P L I C A T I O N S !
2 3
N O M I N A T I O N S for Board of Directors and Credit Committee
Please take notice that, pursuant to the Wanigas Credit Union Bylaws, the Board of Directors has appointed the Election/ Nominating Committee to nominate candidates for each vacancy on the Board of Directors and Credit Committee. Any member in good standing of the Credit Union who has attained the age of 18 years is eligible to serve on the Board of Directors and Credit Committee. The Election/Nominating Committee will accept applications for vacant Board of Directors and Credit Committee positions from Monday, October 13, 2014 through Friday, November 14, 2014. Application forms are available at each credit union branch and should be submitted to:
ELECTION/NOMINATING COMMITTEE WANIGAS CREDIT UNION 1837 BAGLEY STREET, SAGINAW, MI 48601
The Election/Nominating Committee will submit its report with respect to the nominees for each vacancy on the Board of Directors and Credit Committee (“Report”) to the Board of Directors in December 2014 and the Report will be published in the January 2015 Credit Union newsletter. Eligible members of the Credit Union may also petition as nominees for vacant Board of Directors and Credit Committee positions by filing a petition supported by the signatures of 255 (1%) members of the Credit Union. Petition forms are available at each Credit Union branch and must be submitted not later than February 6, 2015.
Nominations from the floor are not permitted under the Wanigas Credit Union Bylaws. Where there is only one (1) nominee for a vacant position on the Board of Directors or Credit Committee, the election will not be conducted by ballot.
REMINDER:Your Wanigas credit card
points total is listed on your VISA statement.
Points expire annually on December 31st. Points earned in calendar year
one expire on the last day of calendar year four.
Thursday, October 16, 2014Why do 208 million people worldwide choose credit unions? As cooperative and democratic financial institutions, credit union’ success depends on the success of their members and their community. Your best interest is in our best interest. We strive to offer affordable rates and high quality service that simplifies your life and empowers you to meet your financial goals.
LET’S CELEBRATE! � .25% off all Closed End Consumer Loans*
for the day. � Share us with your family and friends!
All new accounts will receive their first initial $5 deposit from Wanigas on this day.
� Enter throughout the day to Win a $50 Wanigas VISA Gift Card. Drawing at each of our branches at 4:00 p.m.
*Excludes lines of credit and mortgage loans. New money only.
INTERNATIONAL CREDIT UNION DAY®
Remodel | RepairUpgrade | Fix
*Borrow up to 95% LTV. $250 Processing Fee waived for promotional period. Up to .75% Interest Rate discount for member accounts that have the following relationships: .25% discount for Checking/ Debit Card, .25% discount for direct deposit and .25% discount for having any other loan with the Credit Union. Offer valid through December 31, 2014.
Wanigas mortgage rates are still low!
Apply Today!
*Loans currently financed with Wanigas Credit Union are not eligible for this offer. Offer cannot be combined with any other offer. Excludes Home Equity and Non-Conventional Mortgages. Offer expires December 31, 2014. $250 VISA Gift Card given at closing for mortgage loan amounts less than $50,000. $500 VISA Gift Card given at closing for mortgage loan amounts $50,000 and greater.
PLEASE NOTE:We may report information about your account to credit
bureaus. Late payments, missed payments or other defaults on your account may be reflected
in your credit report.
Bagley BranchThursday, October 16th
11:30 a.m. – 1:30 p.m.
Bay City BranchFriday, October 17th
11:30 a.m. – 1:30 p.m.Shred your confidential
documents for free at Wanigas.
Planning for Retirement?Attend the FREE Route Your Retirement Fair sponsored by Area Credit Unions! You will calculate your personal “lifestyle number” to help you determine your retirement projected spending amount and be given resources for additional information.
Wednesday, October 24, 2014 6:30-8:30 p.m.Freeland SportsZone
5690 Midland Road | Freeland, MI 48623
If you plan to attend, please RSVP to (989) 759-1686, ext. 234 by October 24th.
E A S Y L OA N A P P L I C A T I O N S !
2 3
N O M I N A T I O N S for Board of Directors and Credit Committee
Please take notice that, pursuant to the Wanigas Credit Union Bylaws, the Board of Directors has appointed the Election/ Nominating Committee to nominate candidates for each vacancy on the Board of Directors and Credit Committee. Any member in good standing of the Credit Union who has attained the age of 18 years is eligible to serve on the Board of Directors and Credit Committee. The Election/Nominating Committee will accept applications for vacant Board of Directors and Credit Committee positions from Monday, October 13, 2014 through Friday, November 14, 2014. Application forms are available at each credit union branch and should be submitted to:
ELECTION/NOMINATING COMMITTEE WANIGAS CREDIT UNION 1837 BAGLEY STREET, SAGINAW, MI 48601
The Election/Nominating Committee will submit its report with respect to the nominees for each vacancy on the Board of Directors and Credit Committee (“Report”) to the Board of Directors in December 2014 and the Report will be published in the January 2015 Credit Union newsletter. Eligible members of the Credit Union may also petition as nominees for vacant Board of Directors and Credit Committee positions by filing a petition supported by the signatures of 255 (1%) members of the Credit Union. Petition forms are available at each Credit Union branch and must be submitted not later than February 6, 2015.
Nominations from the floor are not permitted under the Wanigas Credit Union Bylaws. Where there is only one (1) nominee for a vacant position on the Board of Directors or Credit Committee, the election will not be conducted by ballot.
REMINDER:Your Wanigas credit card
points total is listed on your VISA statement.
Points expire annually on December 31st. Points earned in calendar year
one expire on the last day of calendar year four.
Thursday, October 16, 2014Why do 208 million people worldwide choose credit unions? As cooperative and democratic financial institutions, credit union’ success depends on the success of their members and their community. Your best interest is in our best interest. We strive to offer affordable rates and high quality service that simplifies your life and empowers you to meet your financial goals.
LET’S CELEBRATE! � .25% off all Closed End Consumer Loans*
for the day. � Share us with your family and friends!
All new accounts will receive their first initial $5 deposit from Wanigas on this day.
� Enter throughout the day to Win a $50 Wanigas VISA Gift Card. Drawing at each of our branches at 4:00 p.m.
*Excludes lines of credit and mortgage loans. New money only.
INTERNATIONAL CREDIT UNION DAY®
Remodel | RepairUpgrade | Fix
*Borrow up to 95% LTV. $250 Processing Fee waived for promotional period. Up to .75% Interest Rate discount for member accounts that have the following relationships: .25% discount for Checking/ Debit Card, .25% discount for direct deposit and .25% discount for having any other loan with the Credit Union. Offer valid through December 31, 2014.
Wanigas mortgage rates are still low!
Apply Today!
*Loans currently financed with Wanigas Credit Union are not eligible for this offer. Offer cannot be combined with any other offer. Excludes Home Equity and Non-Conventional Mortgages. Offer expires December 31, 2014. $250 VISA Gift Card given at closing for mortgage loan amounts less than $50,000. $500 VISA Gift Card given at closing for mortgage loan amounts $50,000 and greater.
PLEASE NOTE:We may report information about your account to credit
bureaus. Late payments, missed payments or other defaults on your account may be reflected
in your credit report.
Bagley BranchThursday, October 16th
11:30 a.m. – 1:30 p.m.
Bay City BranchFriday, October 17th
11:30 a.m. – 1:30 p.m.Shred your confidential
documents for free at Wanigas.
Planning for Retirement?Attend the FREE Route Your Retirement Fair sponsored by Area Credit Unions! You will calculate your personal “lifestyle number” to help you determine your retirement projected spending amount and be given resources for additional information.
Wednesday, October 24, 2014 6:30-8:30 p.m.Freeland SportsZone
5690 Midland Road | Freeland, MI 48623
If you plan to attend, please RSVP to (989) 759-1686, ext. 234 by October 24th.
wanigas.com
4
October 2014
wanigas.com
989 • 759 • 5780 800 • 675 • 2285 “It’s time for you to shine”
Holiday Skip-A-Pay page 4
International Credit Union Day page 2
•$1,000or$1,500 HolidayLoan•12-monthterm•NoCreditCheck•NoDebtRatio$1,000 = Less than $95 a month payment set up on auto transfer.
$1,500 = Less than $141 a month payment set up on auto transfer.
*Must have a minimum $1,000 monthly direct deposit into a Wanigas account, 6 months verifiable income, be current on all Wanigas loans. $1,500 offer only available to members that were issued and paid off a 2013 Holiday Loan. Offer expires December 31, 2014.
SHORT ON CASH FOR THE HOLIDAYS?
GUARANTEED
$1,000 or
$1,500Holiday Loan*
page 3
Check Out Our
NEW LOOK!
Our Website Is Now Easier to View on your Tablet, Smartphone or Laptop
To take advantage of this offer, simply fill out the form below and return it to Wanigas. The payment(s) you skip will be added to the end of your loan term, and normal interest charges will continue to accrue. Other restrictions may apply. Please contact Wanigas for details. *First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after June 1, 2014 are not eligible for this offer.
Holiday Skip-A-Pay!*SK
IP-A
-PA
Y FO
RM
I would like to postpone my Wanigas Credit Union loan payment.* o Please deduct the $25 processing fee from my:
Account Number ___________________________ o Savings o CheckingoI have enclosed a check totaling $25 for each postponed loan.
Please list the two digit loan suffix and payment amount of the loan(s) you wish to postpone.First Mortgages, Second Mortgages, Home Equity Loans, Credit Cards, Revolving Lines of Credit and Loan Disbursements after June 1, 2014 are not eligible for this offer. Loans must be current. Loans may only qualify once per calendar year. Account Number Loan Suffix Payment Amt. Month To Skip_________________________ ______________ __________________ o December_______________________ _____________ ________________ o December_______________________ _____________ ________________ o December* I authorize Wanigas Credit Union to postpone my December payment on the specified loans. I understand that finance charges will continue to accrue on my loan(s) during the postponed payment period and will extend the original term.
______________________________________________________ __________________ _________________________________________________________Primary Member Signature Date Daytime Phone
______________________________________________________ __________________ _________________________________________________________ ____________Co-Signer Signature (Required if loan has a Co-Signer) Date Processed by Date
Holiday ClosingsCOLUMBUS DAY
Monday, October 13th
VETERANS DAYTuesday, November 11th
THANKSGIVINGThursday, November 27th
CHRISTMAS EVEWednesday, December 24th
branches close at 1:00 pm
CHRISTMAS DAYThursday, December 25th
NEW YEAR’S EVEWednesday, December 31st
branches close at 1:00 pm
NEW YEAR’S DAYThursday, January 1, 2015
IMPORTANT NOTICE TO DEBIT CARD HOLDERS: Notice of Change to MasterCard Rules found in
the Electronic Funds Transfer Disclosure
The new MasterCard liability rules make the following revisions effective October 17, 2014:
l The zero liability rule will now apply to all transac-tions conducted with a MasterCard branded card, including PIN-based transactions at Point of Sale and ATM. Previously, zero liability only applied to Point-of- sale Transactions.
l A cardholder will not be liable for any unauthorized
transaction, as long as:1. The cardholder has exercised reasonable care in
safeguarding the card from risk of loss or theft.2. Upon becoming aware, promptly reporting the
loss or theft to the issuer. Previously, if the above conditions were not met your liability was the lesser of $50 or the amount of property, labor or services obtained by the unauthorized use prior to your notification to us. This maximum of $50 has been removed.
