The Newsletter for Qside FCU
Annual Membership Meeting
June 19, 2013
Date: Wednesday, June 19, 2013
Time: 5:30 PM
Place: Sheraton LaGuardia East Hotel - 135-20 39th Avenue, Flushing, NY 11354
Each year, Qside Federal Credit Union holds an Annual Membership Meeting to allow our account holders to excercise their role as owners and get involved in how the credit union is run. Qside FCU provides an update on the current state of the credit union, as well as things to expect in the near future.
Please join us for this important event. The credit union branch will close promptly at 2:00 PM on the day of the Annual Membership Meeting.
NEW - LOWER RATES!
We've Lowered Our Auto Loan Rates!
New, Used or Refinanced Cars
As Low As 2.0% APR
Got your eye on a new or used car? Need to lower the monthly payments on your current auto loan obtained elsewhere? We've got your auto loan!
For starters, gear down to a better loan for as low as 2.0% APR* with up to 48 months to repay. Or, pay as low as 2.25% for up to 72 months. Even better, take our 84 month auto loan for a test drive, at a great rate as low as 2.75% APR.
*APR = Annual Percentage Rate
NEW - LOWER RATES!
Borrow Smart. Buy Smart.
"Grand Slam" Auto Sales Event:
May 1 - 31, 2013
Qside and Enterprise Car Sales are teaming up again to offer you a great deal.
Buy a car from Enterprise Car Sales and finance it with Qside FCU to get rates as low as 1.50% APR*, and get Kelley Blue Book value on trade-in vehicles.
Don't risk getting scammed or buying a lemon from a no-name used car dealer. Enterprise Car Sales offers a free CARFAX history report, 7-day return agreement, 12-month or 12,000 mile powertrain warranty, no-haggle pricing, vehicle service contracts, roadside assistance and more.
Offer available May 1-31, 2013. To take advantage of this deal, browse Enterprise's car inventory at www.enterprisecarsales.com and pick out your car. Then, apply for the auto loan at Qside here and indicate "enterprise car sales promotion" where asked. Enterprise Car Sales has locations conveniently positioned throughout the tri-state area, locations available at the website above. For complete information, rules and terms, visit the Enterprise Car Sales website. Not to be combined with any other offer.
*APR = Annual Percentage Rate.
Skip A Loan Payment
Free Up Your Cash for the Summer
Now Through July 5, 2013
Skip a loan payment on your qualifying loans* and free-up some summer cash.
There's a low $45 processing fee per loan to take advantage of this offer, which we'll deduct from your Share Savings or Checking account (if you make your loan payments automatically with Payroll Deduction or Direct Deposit, your payment will be deposited back into your Share Savings account). Please note that interest will continue to accumulate on your loan during the month you skip your payment.
Look out for your Skip-A-Payment request form in the mail, or get it here. You can skip your payment for the month of July (request form must be received by June 7th) or August (request form must be received by July 5th).
*Excludes real estate, credit card and CE (CE - New Member) loans.
Borrow up to $5,000
May 20, 2013 - August 30, 2013
Summer expenses? Make them happen with a Vacation Loan from Qside FCU.
Take advantage of this great loan from May 20, 2013 through August 30, 2013. With an up-front loan like this, you know exactly how much of a vacation you can afford and can start making your reservations right away. Or take care of other expenses this time year.
*Borrow up to $5,000
*Terms up to 18 months
*Rates as low as 9.0% APR*
Apply here online from May 20 - August 30, 2013. Or, click here for more information.
*APR = Annual Percentage Rate
We've made the switch a little easier.
Everything you need to move your accounts to Qside FCU is right here.
Our Switch Kit provides you with all the forms you need to move your accounts to Qside FCU, in just 4 easy steps. Click here to get started or for more information.
You get $20. They get $20.
Member Referral Program
Earn Extra Cash
Earn extra cash just for inviting people you know to join Qside Federal Credit Union - when they join, we'll deposit $20 into both of your accounts. The more referrals you make, the more money you get.
Refer members in one easy step with our online Referral Form. Click to get started!
We are pleased to announce that we have expanded our mortgage loan program to now include FHA (Federal Housing Administration) mortgage loans and refinances.
With FHA mortgage loans, the minimum amount for a down payment on a home is only 3.5%.
Compare that to the 10% down payment required for traditional mortgage loans and you'll agree that a FHA mortgage could be the key to finally owning your own home. For example, if you find a home for $200,000, the down payment could be as little as $7,000 with a FHA home loan.
What are FHA loans?
The FHA loan program is designed to promote homeownership. FHA loans are mortgages that are insured by the Federal Housing Administration, an agency of the federal government. The FHA is not a lender – rather, it insures loans against default, protecting approved lenders like Qside so we can offer a better deal with greater flexibility than conventional home loans.
What are the advantages of an FHA loan?
Advantages include: much lower down payments than conventional mortgages, allowing homebuyers to purchase a home sooner; down payments can be funded from gifted money (other loan programs don't allow this); FHA loan rates are typically lower than conventional mortgages; it's easier to qualify for an FHA loan than a conventional mortgage.
Visit the Qside FCU Mortgage Loan Center for custom rates, easy pre-qualification and expert advice to guide you through the home loan process. Choosing your credit union is the first step toward an affordable home loan.
Qside Federal Credit Union Selected in "Queens 200"
Qside Federal Credit Union is proud to have been selected as one of the "Queens 200", which honors the 200 most influential and iconic businesses, organizations and institutions in the borough of Queens. Click the image below to take a look.
Celebrate with us by "Liking" the news on Facebook today.
Opt-In For Overdraft Privileges
Due to last year's new overdraft protection regulations, you must now “opt-in” to receive overdraft protection (also knows as Qside's “Courtesy Pay”), which covers your ATM and everyday debit card transactions when you don't have enough money in your account. Click here for information on Qside's Courtesy Pay / overdraft protection service.
If you do not opt-in, your ATM and debit card transactions will be declined if you attempt to make a transaction or withdrawal without sufficient funds. If you do opt-in, you will receive our overdraft services if you make a transaction or withdrawal without sufficient funds. You may opt-out at anytime at no cost.
For Existing Accounts: For accounts opened on or before June 30, 2010, if you do not opt-in, your ATM and debit card transactions will no longer be protected under Qside Federal Credit Union’s overdraft protection. If you do opt-in, you will continue to receive your overdraft services with no changes.
For New Accounts: If you opened a new account on or after July 1, 2010, your ATM and debit card transactions will not be protected under Qside Federal Credit Union’s overdraft protection unless you opt-in.
To opt-in and keep your overdraft protection, simply complete this form and return to us via mail, fax or in person.
*Please note that this opt-in rule applies only to ATM and debit card transactions and does not pertain to overdraft protection services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.
Why Throw Away Your Money?
Save With Sprint.
Join the over 1.2 Million credit union members nationwide that are already saving over $124 million on their wireless plans! Qside Federal Credit Union is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.
Ways you can save:
· 10% off most regularly priced Sprint individual service plans
· 15% off most regularly priced Sprint business service plans
· Waived activation fee on new activations
· Waived upgrade fee
· Available to new and existing Sprint customers
Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.
3 Ways to Get Your Discount:
- Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save
- Click www.SprintSave4CU.com
- Visit your nearest Sprint store
What are you waiting for? Start saving today!
||Monday, May 27, 2013