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Celebrate the Savings!
Auto Refinances
High gas prices have you a little squeezed? Refinance your auto from another institution with your credit union and we will give you a $25 Gas Card. Our rates are as low as 5.25% Annual Percentage Rate* at a variety of terms available.
*Rate quote includes deduction for active checking account and direct deposit of loan payment.
Unsecured Loan Special
Borrow up to $15,000 at a variety of terms. 10.75% Annual Percentage Rate, Apply today!
Home Equity/ Mortgages
We have lowered our rates!
Refinancing can mean BIG savings! The ceilings the limit. Let us help you figure out how much you can SAVE. You can borrow 90% loan to value on selected terms. Cash for home improvements, or an addition.
If your mortgage will be paid off in less than 20 years and you owe $200,000 or less, we'd like to help you take advantage of today's lower rates.
A variety of rates and terms. Offer available in CT, NY, NH, NJ, MA, RI, NC, SC, GA, TN.
5 year 5.75% APR $19.22 per thousand borrowed
7 year 5.75% APR $14.49 per thousand borrowed
10 year 6.00% APR $11.11 per thousand borrowed
12 year 6.00% APR $ 9.76 per thousand borrowed
15 year 6.25% APR $ 8.58 per thousand borrowed
20 year 6.25% APR $ 7.32 per thousand borrowed
10 Savings Strategies
By AllBusiness.com
Savings is an ongoing challenge. It is worthwhile to develop some money-saving strategies.
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Track savings and evaluate the results.
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Pay yourself first.
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Take advantage of company saving plans such as 401K's.
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Limit your credit card spending and pay off cards monthly.
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Comparison shop to get the best value for your money.
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Look to save on your home with lower rates and refinancing. Try rounding up your monthly mortgage payments.
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Save on utilities by reviewing offers fromcompeting phone an electric companies.
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Be car smart. Keep your car tuned and tires properly inflated to save on gas.
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Get everyone on board. Discuss ways of saving money and establishing good spending habits with the whole family.
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Read the fine print. Review your bills carefully. In this new age of warranties included with every major purchase, read carefully and buy only what will be valuable for those products likely to need servicing.
American Express Travelers Cheques
Travelers checques are safer than cash. Wether you're taking a quick weekend getaway or a cross country journey, don't take any chances. Travelers cheques give you peace of mind. If they are lost or stolen they can be replaced, usually within 24 hours. We offer convenient denominations of $20, $50 and $100. Call or stop by the credit union before your next vacation.
Here are some useful sites for Money Management and Financial Planning.
VISA www.visa.com
Standard & Poor's Personal Financial Site
www.personalwealth.com
Quicken www.qfn.com
Money Magazine www.money.com
When setting financial goals, be realistic; state your goals in specific measurable terms within a timeframe.
Create a budget
Monitor Spending Habits
Make needed revisions in your budget. This is an ongoing process.
Finally, when creating and implementing a spending plan, remember that an effective budget should be well planned, realistic, flexible and clearly communicated to all household members.
VoiceLine and Home Banking are now available in Spanish!
If you would like to view Home Banking in Spanish, follow these easy instructions. Log into Home Banking and click the User Profile icon. Select Spanish and submit your request.
If you wish to use VoiceLine in Spanish, follow the appropriate prompts to convert to Spanish .
FICO Score Info
Credit scores measure your risk to a lender. Here are a few items that are incorporated in your score.
1. Payment History
This is the most important category. The worst thing a consumer can do is make a late payment or not make a payment at all.
2. Capacity
Capacity is simply the amount owed. The less owed the better the score will be. It is a member's best interest to keep balances low on all revolving accounts.
3. Length of Credit History
Lenders look for applicants with long credit histories.
4. Type of Credit
Your score is determined by a mix such as credit cards, mortgages and consumer finance accounts.
5. New Accounts
This factor reviews the number of new credit accounts opened, how long open, the number of recent requests for credit and length of time since your credit was pulled.
Enjoy another ATM Benefit from SoundView FCU!
To find an ATM in the CO-Op network log into
www.co-opnetwork.org
As a member of SoundView FCU, you can now use your ATM card at over 19,000 ATMS worldwide. Access your money surcharge free at any ATM displaying the CO_OP Network logo.
The CO-OP network provides access to a regional and worldwide network of ATM's with a solid reputation for service and reliability. In addition CO-OP ATM's are now located in all 7 Eleven Stores.
Free Credit Reports
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. You can order your free annual credit report online by clicking the icon on the left side of our home page or by calling 1-877-322-8228.
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