a publication of towpath credit union spring 2015 make ......all aprs assume that your total...

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*Home Equity Loan Terms & Conditions: To get the Towpath Credit Union Home Equity Loan, you must apply between February 27, 2015 and May 31, 2015. The fixed-rate Home Equity Loan is opened with a minimum disbursement of $10,000 in new money at closing, with a Loan to Value (LTV) of 80% or less, and with a FICO score of 680 and greater. All APRs will vary based on credit score and Loan to Value (LTV) and range from 3.99% APR to 13.75% APR. All APRs assume that your total mortgage loans, including your Towpath Credit Union Home Equity Loan, do not exceed 80% of the value of your 1 – 4 family owner-occupied primary residential property in Ohio. Borrower agrees to pay closing costs of approx. $199. Property insurance is required and flood insurance may be required. An appraisal fee will be assessed on credit requests of $50,000 or more. Rates and terms are subject to change and may be withdrawn without notice. This offer is subject to credit approval. A monthly payment for a $10,000.00 loan with a rate of 3.99% APR for 10 years would be approx. $101.37 per month. GREEN WITH ENVY! 3 .99% AS LOW AS APR FOR 10 YEARS* $ 199 .00 CLOSING COSTS! MAKE THE NEIGHBORS HOME EQUITY LOANS APPLY TODAY! Online: THE LOAN CENTER at towpathcu.com By Phone: 330.664.4700 866.634.4700 In Person: AKRON 645 N. Main Street FAIRLAWN 2969 Smith Road PORTAGE LAKES 2500 N. Turkeyfoot Road A publication of Towpath Credit Union Spring 2015

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Page 1: A publication of Towpath Credit Union Spring 2015 MAKE ......All APRs assume that your total mortgage loans, including your Towpath Credit Union Home Equity Loan, do not exceed 80%

*Home Equity Loan Terms & Conditions: To get the Towpath Credit Union Home Equity Loan, you must apply between February 27, 2015 and May 31, 2015. The fixed-rate Home Equity Loan is opened with a minimum disbursement of $10,000 in new money at closing, with a Loan to Value (LTV) of 80% or less, and with a FICO score of 680 and greater. All APRs will vary based on credit score and Loan to Value (LTV) and range from 3.99% APR to 13.75% APR. All APRs assume that your total mortgage loans, including your Towpath Credit Union Home Equity Loan, do not exceed 80% of the value of your 1 – 4 family owner-occupied primary residential property in Ohio. Borrower agrees to pay closing costs of approx. $199. Property insurance is required and flood insurance may be required. An appraisal fee will be assessed on credit requests of $50,000 or more. Rates and terms are subject to change and may be withdrawn without notice. This offer is subject to credit approval. A monthly payment for a $10,000.00 loan with a rate of 3.99% APR for 10 years would be approx. $101.37 per month.

GREENWITH ENVY!

3.99%AS LOW AS

APR FOR 10 YEARS*

$199.00 CLOSING COSTS!

MAKE THE NEIGHBORS

HOME EQUITYLOANS

APPLY TODAY!Online:

THE LOAN CENTER at towpathcu.com

By Phone:330.664.4700 866.634.4700

In Person:AKRON 645 N. Main Street

FAIRLAWN 2969 Smith RoadPORTAGE LAKES 2500 N. Turkeyfoot Road

A publication of Towpath Credit UnionSpring 2015

Page 2: A publication of Towpath Credit Union Spring 2015 MAKE ......All APRs assume that your total mortgage loans, including your Towpath Credit Union Home Equity Loan, do not exceed 80%

AN IMPORTANT REMINDERTowpath Credit Union will never ask you for your account information through an email or text message. If you have any questions please do not hesitate to contact the credit union.

Website:towpathcu.com Email:[email protected]

Phone:330.664.4700 • 866.634.4700

*Application of discount requires 2-year contract extension on existing

plans. Verification of membership is required at time of activation/upgrade.

All rights reserved. Sprint, the logo, and other trademarks are the

trademarks of Sprint Nextel. Discount does not apply to secondary lines.

For a complete update on the rules of the Sprint Credit Union Member

Discount program, please visit www.lovemycreditunion.org/Sprint.

Call 877.SAVE.4.CU and tell them you’re a credit unionmember and ask to be attached to either Corporate ID tostart saving today!

2013 Sprint Item #800-21 ©2013 CU Solutions Group 041013 1526

Use your QR code reader to scanhere and get the free Invest inAmerica app to validate yourcredit union membership.

For business accounts, visit a Sprintstore. To find a location near you,go to www.sprintstorelocator.com.

on select regularly pricedpersonal service plans*

Use Corporate ID: NACUC_ZZM

on select regularly pricedbusiness accounts*

Use Corporate ID: NACUC_ZDS_ZZM

or

save

10%save

15%

Plus • Waived activation fee on new lines (Up to $36 in savings)

• Waived upgrade fee (Up to $36 in savings)

talk aboutsavings.say hello to the Sprint Credit Union Member Discount.

LOOKING FOR A MORTGAGE?CALL BRYAN!

All of us at Towpath would like to welcome our new mortgage loan originator, Bryan Turk. Bryan comes to us with a business degree from Ohio State University and has worked with several area mortgage compa-nies. He is well versed in conventional, VA and FHA loans. Bryan will be able to assist our members in

new mortgage purchase as well as re-financing. “The real satisfaction of this position,”Bryan says, “is helping to put people in a better financial situation.”If you are considering any real estate transactions in the future, give Bryan a call at 330-664-4700.

SECURE YOUR TAX REFUNDSecure your tax refund: Choose direct deposit to your Towpath Credit Union accounts to avoid lost or stolen checks. Your refund will arrive as quickly as possible, too.

EQUAL HOUSINGOPPORTUNITY

CAR INSURANCE AS CLOSEAS YOUR CREDIT UNION

As a credit union member, you have access to the TruStageTM Auto & Home Insurance Program. That means an opportunity to save money on a policy issued by Liberty Mutual -a leading auto insurer- and available only to members like you. Your car is a big investment, so make sure it’s protected - at a good price. The TruStage program works closely with Liberty Mutual to provide the quality pro-tection you need-at prices you can afford.

Bruce Robishaw, a Liberty Mutual representative, will be available at the branches during the month of April to an-swer your questions on the following dates:

Akron - April 10, 10:30 am to 1:30pm Fairlawn - April 17, 10:30 am to 1:30pm

Portage Lakes - April 24, 10:30 am to 1:30pm

Providing Commercial Loan Financing in Partnership with Area Credit Unions SM

• Aggressive Financing up to $10,000,000!• Commercial Real Estate Financing

(Owner Occupied or Investment)• PurchaseorRefinancemachinery,

equipment or other capital assets• SBA 7(a) and SBA 504 loans (10% down)

Jonathan Mokri

[email protected]

www.cbscuso.com

Do you know your lender?Cooperative Business Services and Towpath Credit Union

offer you local financing you can trust.