3.9% Visa Credit Card Special
All purchases, balance transfers and cash advances made on your TVTFCU Visa Classic or Platinum credit card during July & August 2010 will be a 3.9% for one year. After the one year period, the rate will revert back to the prevailing rate.

Defer 1st Loan Payment to this Fall
New loans taken on or after June 15th can defer the 1st payment to September 30, 2010. (Interest accrues during this period. Heloc’s & 1st mortgage loans excluded from this offer).

Visa Credit Card Skip-a-Pay
Eligible cardholders have the option to skip July & August payments. Check your Visa statement in June for eligibility. (Interest accrues during this time).

NEW!!! Check out FoolProof!
This free service is web-driven and uses highly interactive online modules and dynamic websites. FoolProof for Parents and Grandparents offers a financial education program for high school & college students as well as parents & grandparents. Information Edge is a website for adults which provide straight answers and unbiased information on dozens of consumer issues. CUHQ is a turnkey website for just young people featuring young people. It contains videos, music, real-life stories and more!

Let Us Help You Go Green
Go Green …sign up for e-statements

• Quick – available days sooner than paper statements
• Secure access from our website
• It qualifies as a “membership benefit” when getting a loan or a share certificate of deposit
• Helps our environment

Visa Classic Credit Card  3.9%*

• Transactions made during July & August will be a 3.9% for one year and then that balance will revert back to the prevailing rate.
• Annual fee: none
• Cash advance fee: none
• Balance transfer fee: none
• Earn scorecard reward points

• Transactions made during July & August will be a 3.9% for one year and then that balance will revert back to the prevailing rate.
• Annual fee: none
• Cash advance fee: none
• Balance transfer fee: none

*Annual Percentage Rate for purchases, cash advances, and balance transfers.

We Would Never Do That...
Are you aware that many other financial institutions are raising interest rates on credit cards? As you may have seen on the news; one credit card issuer raised a cardholder’s interest rate to 30% and this cardholder was never late on a payment! Tobacco Valley Teachers FCU would never do that. As a matter of fact, the interest rate on our Visa credit cards has been the same low rate since 1998. If this issue is a concern for you, please give us a call to see how we can help you.

Your Money is Safe With Us
Credit Unions are a place where members can feel confident knowing that their money will be there when they need it. The National Credit Union Administration (commonly referred to as NCUA), is the federal government agency that charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA), $250,000 as of October 3, 2008. The Emergency Economic Stabilization Act of 2008 increased the insurance coverage on all accounts up to $250,000 until December 31, 2013.

Are your finances moving in the right direction?
Let Tobacco Valley Teachers FCU help you manage your finances, especially in these challenging economic times, through a new debt management tool called Debt in Focus. This tool is designed to help you look at your debt to income ratio, debt payment schedules, and obtain customized action strategies and budget guidelines based on your personal history. Debt in Focus is completely anonymous – you are never asked for any identifiable information.

Free Credit Reports
Did you know that Federal Law requires each of the three nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months? Click here to find out how to request your copies!