November 2019 Newsletter
Western Rockies FCU Monthly Newsletter November 2019
Get More Involved at Western Rockies FCU
Board of Directors - Annually, credit union members elect volunteers from amongst the membership to represent them on the Board of Directors. The terms of two Members of the Board will expire at the 84th Annual Meeting in April 2020. Board positions are volunteer, terms are three years and are staggered amongst the seven Board positions. Responsibilities include attending a monthly Board meeting, and Board member training, and other functions throughout the year. Candidates must be 18 years of age and be a Member in good standing.
Supervisory Committee - Members are appointed by the Board of Directors to perform audits that help ensure that internal controls are in place and being followed. Positions are volunteer and terms are for one year. The time commitment is during business hours.
For more information please call Gail Webb at 970.243.2434 by Friday, November 30th, 2019.
Holiday Skip Pay Nov 2019 - Jan 2020
Between November 1, 2019 and January 31st, 2020, you may skip one (1) payment per WRFCU loan (excluding Real Estate, Credit Card, Overdraft Line of Credit and Open-End Signature Loans).
How Do I Qualify?
Each loan must be current and you must be in good standing. Vehicle Loans must have current insurance. There is a $30 processing fee for each loan skip payment. You must complete the short skip payment application, available online and at all WRFCU branches. You must request a skip payment at least 10 days prior to payment due date. More information at www.westernrockiesfcu.org
Western Rockies FCU members have more to love this fall from Sprint.
Credit union members can rake in $200 cash on up to 2 lines when you switch to Sprint. Plus, you'll get lines 3, 4 and 5 FREE! With Sprint's 100% satisfaction guarantee for the first 30 days, and first-year savings of more than $800 over Verizon, you've got nothing to lose. Claiming your cash rewards is easy as apple pie.
- Open a new Sprint account and mention that you're a credit union member.
- Register your new lines at LoveMyCreditUnion.org/Fall19
- Cash rewards will be deposited directly into your credit union account within six to eight weeks.
Don't miss out on hundreds in savings.
Switch to Sprint and claim your rewards today! Visit LoveMyCreditUnion.org/Fall19 to learn more.
Cash Reward: Via deposit. $100 per line, max 2 lines. Req. qualifying plan and registration within 30 days of activation. Loyalty Reward: Via deposit per account. Basic: After 9/30/20 pay $60 a month for line 1, $40 a month for line 2 and $20 a month per line for lines 3 thru 5, with AutoPay. Offer/coverage not available everywhere. Requires new lines of service. Subject to credit & $30 activation fee. Excludes taxes, fees, and roaming. Speed maximums, use rules and restrictions apply. Unlimited Basic compared to Verizon Start Unlimited for 5 lines, features differ.
Checking Accounts With Your Choice Of Rewards!
Take Back Banking with our Kasasa Checking accounts. Earn rewards you'll use every day just for using your Western Rockies Federal Credit Union account!. Earn cool rewards like cash back on the things you buy, the apps you purchase, ATM fee refunds and more! Do you even Kasasa bro?
The Purchasing Power of Zero!
Pay Down High Interest Debt
Enjoy a special low 0% Introductory APR* for 18 billing cycles on purchases and balance transfers.
Thereafter, a variable APR, currently 13.99% - 22.99%*, when you apply for one of the following Visa® credit cards by May 31st, 2020:
- Visa® Platinum Card
- Visa® Business Card
No Annual Fee* | Enjoy Great Benefits
*The 0% introductory APR applies to Purchases and Balance Transfers and is valid for the first 18 billing cycles. The 0% introductory APR applies to Balance Transfers made within 558 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/16/19, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%-22.99% (based on your creditworthiness). Business Card: The variable Penalty APR is 29.49%. The introductory APR will end early and increase to the Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. Platinum Card and Business Card: The variable APR for Cash Advances is 25.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Platinum Card: We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Business Card: We apply your payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Platinum Card and Business Card: We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. This offer is valid only for new Visa Platinum and Visa Business Card accounts with this Financial Institution and the application must be submitted by May 31, 2020, through a branch office or call center. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©2019 Elan Financial Services. All rights reserved.