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Newsletters » Spring 2008
Cut Your Drive Time
With Tellie Online!
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Tellie Gets A
Makeover
Tellie, your Credit Union telephone
teller, will be getting a makeover this
summer! To use Tellie, you will call the
same number - either (513) 559-0901 or (888) 292-0901 - but when your
call is answered, you'll notice a big
difference. The upgraded system will be
very user-friendly and offer enhanced
convenience for members. Watch for
an update on our improved telephone
teller service! |
There's no need to drive to the Credit Union to manage your finances when you sign up for Tellie Online Internet Banking. Do your "banking" from home or wherever you happen to be,
anytime it suits you. Our FREE online service lets you check balances, make transfers, make
loan payments, download your account information into financial software and more. Let
Tellie help you save time and money!
Pay your bills electronically with our Online Bill Pay - save time, money and stamps! You
can set up either one-time or monthly automatic payments. It's easy, time-saving and
completely secure!
With fuel prices going up-and-away, using Tellie Online is a great way to save money on
gas - not to mention avoiding highway congestion and traffic delays. It's easy to sign up by
visiting us online or by calling us at (513) 559-0901 or (888) 292-0901. Use
it to save time - and money - for the rest of your life!
Summer Travel
Made Easy
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Check In Before
You Travel
If you have a Greater Cincinnati VISA Credit
Card or STAR® Debit Card, please contact us
before you travel internationally this summer.
The cards will be blocked in certain regions
of the world so avoid payment problems by
checking in with us before you say "charge it"!
If you need a VISA Credit Card increase, apply
online before you leave.
Our card has a low, fixed rate so you'll pay
less for your purchases and other expenses.
Relax and enjoy your vacation! |
Whatever your summer vacation plans - a cross-country road trip or day trips closer
to home - our VISA® Travel Money Cards can make your travel easy and affordable.
These prepaid, reloadable cards offer travelers the security of travelers checks and the
convenience of a VISA Card.
They are accepted wherever you see the VISA logo - use them for shopping and dining
worldwide, no matter where you travel. You can also get cash (in local currency) at over
one million VISA ATMs.
The cards can be reloaded by phone or online. Use money from your Credit Union
account to "recharge" your Travel Card.* You'll never have to worry if your card is lost
or stolen because it will be replaced without any liability to you.* This protection lets you
relax and enjoy your vacation!
*Certain restrictions apply regarding reloading, loss and theft. See Credit Union for complete program details.
Skip-A-Loan
Payment This
Summer!
 You'll enjoy the warm-weather months a lot more with
some extra cash in your pocket. Skip-A-Loan payment in July or August (or both) and use the money you save
for a summer vacation, a weekend getaway, a home improvement
project or any other reason.
Check out our offer online, stop by
one of our branches or call us at (513) 559-1234 to
sign up. Rest easy and enjoy this relaxing time of year!
Don't Wait - This Offer
Ends June 30, 2008!
All requests to skip a payment must be received by June 30, 2008. To be eligible
for this special offer, all Credit Union accounts must be in good standing. Loans
over $100,000 are not eligible. You will be contacted only if we cannot approve
your request. By deferring the summer payment(s), interest will continue to
accumulate on the outstanding balance, increasing the total cost of borrowing
and extending the term of the loan.
Hey Kids, Are You
In The Club?
 Have you joined the Dollar Dog Kids ClubSM yet? If so, you're on your way to learning
financial responsibility. If you haven't, stop by the Credit Union and sign up. It's an
excellent way to learn how to save, earn and invest your money. Best of all, it's fun!
Memo To Parents & Grandparents:
Since you're a Credit Union member, your children and grandchildren are eligible
to join the Dollar Dog Kids Club. All you have to do is open an account for each of
them with an initial deposit of $5 and help them get into the savings habit. Start
them moving down the path to financial success!
Cool Stuff!
Check out all the great Dollar Dog stuff you can have fun with and learn from!
Click on the Dollar Dog link to get started. There are FREE
games, riddles, coloring sheets and other fun things to do! Visit us online,
stop by or call us at (513) 559-1234 for more information.
Health Savings
Accounts Now
Available
 A Health Savings Account (HSA) is a tax-favored account, similar to an IRA, owned by an
individual in which contributions to the account are used to pay for current and future medical
expenses. These funds can be withdrawn to pay for your qualified medical expenses or those of
your spouse or dependent without tax penalty.
HSAs are designed to encourage account holders to budget their funds more wisely for their
medical care. They were created by Congress to combat rising medical costs by providing an
incentive for more consumers to pay "first-dollar" medical expenses.
HSAs can only be used in conjunction with a High Deductible Health Plan (HDHP). An HDHP
is insurance that does not cover first-dollar medical expenses (except for preventive care). It
can be an HMO, PPO or indemnity plan, as long as it meets certain requirements.
An HDHP will have a minimum deductible of:
- $1,100 for self-only coverage
- $2,200 for family coverage
Annual out-of-pocket expenses (including deductibles and co-pays) cannot exceed:
- $5,600 for self-only coverage
- $11,200 for family coverage
These amounts are for 2008 only and are indexed annually for inflation.
Any individual is eligible for an HSA as long as that person:
- Is covered by an HDHP
- Is not covered by other health insurance
- Is not enrolled in Medicare
- Cannot be claimed as a dependent on someone else's tax return
The Credit Union is offering two types of HSA accounts: certificates of deposit and a no-fee,
interest-earning account with a Debit Card.
Please contact the Credit Union for more details!
 Take The
Headaches
Out Of
Overdrafts!
At Greater Cincinnati Credit Union, we
discourage overdrafts. We always encourage
you to manage your finances responsibly.
However, we want to save you from additional
merchant fees and the possible negative impact
on your credit history that can result from a
check being returned. That's why we provide
"Member Privilege," an overdraft service
for our Credit Union members. There is no
additional cost associated with this privilege
unless you need to use it.
For more information about this service, call us
at (513) 559-0901 or (888) 292-0901. We
want to help you prevent "returned-check" fees
and preserve your good credit.
Do It With A Low-Cost
Personal Loan
 Would you like to pay off those high-interest bills or plan a family vacation this summer? Well,
we have the perfect answer - our low-cost Personal Loans.
This loan is very flexible and one of our most popular because it can be used to fund almost
any need. All it takes is your signature and good credit. Borrow up to $20,000 for as long as
72 months, depending on your particular needs. Whether it's debt consolidation, college tuition,
a new computer, a vacation or an emergency - this loan can do it all!
Stop by one of our branches or call us at (513) 559-1234 to apply for a Personal Loan. Let's get personal!
Update From
Horace Mann
In keeping with Horace Mann's ongoing commitment to providing educators the added value
of our products, they're including free Identity Fraud Advocacy Services with every educator's
Horace Mann homeowner's policy.
While Horace Mann is providing identity theft resolution service at no additional charge to its
educator market, non-educators can also receive the service by adding the endorsement to
their Horace Mann property protection policy for an annual fee of $20.
For further information, call agent Tim Houghton at (513) 728-0084 or agent Marshall Evans
at (937) 371-6477.
Holiday Closings
The Credit Union will be closed to
observe the following events and holidays:
Memorial Day
Saturday, May 24, 2008
Monday, May 26, 2008
Independence Day
Friday, July 4, 2008
Saturday, July 5, 2008
Labor Day
Saturday, August 30, 2008
Monday, September 1, 2008
Columbus Day
Saturday, October 11, 2008
Monday, October 13, 2008
Great Rates On
Vehicle Loans!
Looking for a new or used vehicle?
Whether it's a car, truck, motorcycle,
boat, RV or travel trailer, we have great
loan rates for you! We offer terms up to
84 months, pre-approval, as much as 110
percent financing and payments to fit
your budget.
Stop by or call us at (513) 559-1234 to apply. We want to make your driving
affordable and fun!
FREE Financial Planning Seminars
Because the FREE financial planning seminars were so well
received by our members, the Greater Cincinnati Credit Union
will be offering a variety of new seminars in the future -
completely FREE to our members. Please visit our website regularly to view upcoming dates and topics that will be posted as soon as they are scheduled.
Guard Your Identity!
 Each year 9 million Americans are victims of identity theft. You may not even know
it until you review your credit report or credit card statement - or until you're
contacted by a debt collector!
ID thieves take information such as your name, Social Security number, credit card
numbers or other financial information - information that's like gold - and use it to
open accounts, obtain government documents, get a job or rent a house in your
name. They may even use your identity if arrested, causing a warrant to be issued in
your name!
If your identity is stolen, you should file a police report, check your credit report,
notify creditors and dispute any unauthorized transactions - and do it right away.
Monitor financial records for at least a year and arm yourself with knowledge about
this increasingly sophisticated crime. For information on prevention, visit www.ftc.gov.
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