H-F Flyer
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18130 Pulaski Rd
Country Club Hills, IL 60478
(708) 957-1991
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Dear Rich Township School Employees CU Members:

Welcome to H-F Credit Union!

H-F Credit Union's New
Home Equity Program
 
  • Rates as Low as 6%
  • Low Variable Rates
  • Line of Credit
  • Illinois & Indiana Residents
  • Maximum Amounts up to $350,000 for Qualifying Members

Now is the Time to Refinance your Mortgage at Low, Low Credit Union Rates.

Call the Loan Department for details TODAY at (708) 957-1991

VISA Platinum has Arrived

First, we brought you VISA Classic with a great rate of 13.9%, and it was good.  Then we offered you VISA Gold, with a great rate of 10.9% (for those who qualify), and it was even better.  Now, we bring you VISA PLATINUM, with a rate of 9.9% (for those who qualify), and if just keeps getting better and better!

As if the rate wasn't incentive enough, with VISA Platinum you'll get something back each and every time you use this card.  Visa even gives you a choice.  VISA Platinum lets you choose between "CashBack" or "ScoreCard".  CashBack allows a percentage of each purchase charged to your card to return to you in the form of cash.  The more you use your VISA Platinum to make purchases, the more cash you will receive.  The credit limits for both programs are significantly higher, as well, to fit into their active lifestyles of many members.

CashBack
 - A percentage of each purchase comes back to the card holder

 

Versus
________________

 ScoreCard Bonus Points
 - Gift Awards from Visa's Catalog
 - Travel Awards:    - Airlines
                                 - Hotels
                                 - Car Rental
                                 - Travel Pkgs

ScoreCard, on the other hand, is a program of Bonus Points that one earns by using their Visa Platinum.  The more you use your Visa Platinum to make purchases, the more Bonus Points you will receive.  The Bonus Points can be redeemed in the form of Gift Awards, which can be chosen from VISA's ScoreCard catalog.  The Bonus Points can also be used for Travel Awards, in the form of Airline Ticket purchases, Hotels, Car Rental, and Travel Packages.

And, for a limited time, H-F Credit Union is offering the low, low rate of 8.74% when you transfer the balance of your existing Visa card to the Platinum card.  That's right!  You'll get a fantastic rate of 8.74% guaranteed for the life of the balance transferred.  PLUS get CashBack or ScoreCard Bonus points every time you use your card.  Can it get any sweeter than this?

Call us or come into the credit union for an application, or more information at 800-957-1991

"Verified By Visa" for that added Degree of Safety

Now, make your online purchases even safer when you register with "Verified by Visa".  "Verified By Visa" protects your Visa Card online with a personal password.  When you shop at participating online sites and enter your 16-digit Visa card number, a little window will appear asking you for your password.  Once your identity has been confirmed, your purchase will be completed.  This give you the reassurance that only you can use your Visa card online.  For those sites not yet participating in the system, your Visa card purchases will continue as usual.  Get that added degree of safety today by registering at www.visa.com/verified

 

New Car Rates as Low as 4.90%*
Used Car Rates as Low as 4.90%*

The more services you use, the more you can save!  When you finance a new or use auto with H-F Credit Union, you may qualify for these special rate discounts:

.
.25% discount for Automatic Loan Payment

*This includes maximum discounts available

Attention All Members:
Check Out Our IRA Options

Are you tired of your retirement funds losing value?  Do you cringe when you open your statements?  Are you paying someone else to manage your investments?  Are you faced with monthly, quarterly, or annual costs?

Fortunately, H-F Credit Union IRA owners don't have to worry about any of those problems.  Our IRA accounts are set up so that you will NEVER lose principal, no matter what the markets do.  Each quarter, our IRA accounts are showing steady increases in value.  H-F CU members have two options for investing in their IRA account.

1.  Regular Share IRA:  This account has no minimum balance, and is best used with payroll deductions.  Nothing beats regular, systematic deposits for your future!  Dividends are a variable rate and are calculated on the average daily balance in the account.  Dividends are paid quarterly.

  

   

See the Credit Union for smoother sailing in your retirement years

2. Certificate IRA:  This account has a minimum balance of $1000 and unlike our other certificates, allows additions to the certificate at the end of each quarter.  The certificate rate is set monthly, but will remain fixed once the certificate is purchased until maturity.

H-F CU has Traditional IRAs, Roth IRAs, and Coverdell (formerly Education) ESAs.  Traditional IRAs are more attractive that ever because expanded income limits mean more people will be able to make tax-deductible contributions.  In addition, penalty-free withdrawals are allowed for qualified higher education expenses and for a first-time home purchase.

Contributions to the Roth IRA or Coverdell ESA are not tax-deductible, but the accounts offer the opportunity for tax-free earnings.  Your tax advisor can offer more guidance on which type of IRA my be best for your needs.  Please stop by or call us today for more information on the benefits of an H-F Credit Union IRA.

 

 Privacy Statement

 H-F Credit Union is committed to safeguarding our members’ confidential information.   Our Credit Union is committed to making available financial products and services that will enable members to meet their individual financial needs and reach individual financial goals.  Protecting personal information and using it in a manner consistent with the members’ expectations are a high priority to all staff and board.  (A complete Privacy Policy is available to any member upon request).

 Privacy Disclosure

Categories of information that we may collect:
We collect nonpublic personal information about you from the following sources:

·        Information we received from you on application or other forms;

·        Information about your transactions with us, our affiliates, or others; and

·        Information we receive from a consumer-reporting agency.

 

Categories of Information that we may disclose:
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law.

Disclosure as Permitted by Law:
We may disclose all the information we collect, as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

Confidentiality and Security:
We restrict access to nonpublic personal information about you to those employees and officials who need to know the information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

If you decide to terminate your membership or become an inactive member we will adhere to the privacy policies and practices as described in this notice.

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