tacu newsletter nov. 2011
DESCRIPTION
Newsletter for Tomah Area Credit Union. November 2011 issueTRANSCRIPT
940 North Superior Avenue PO Box 940 Tomah, WI 54660
Phone: 608.372.4736 Fax: 608.372.4394
www.tacuonline.com
T A C U C r e d i t U n i o n l N o v e m b e r 2 0 1 1 I s s u e
NOVEMBER EMPLOYEE ANNIVERSARY
John Laufenberg
President & CEO
38 years
EXPRESS B e c a u s e t i m e i s m o n e y
SHOPPING TIP
When getting ready for Christmas, shop from a list
to avoid impulse purchases that could leave you in debt
at the end of the season.
TACU Holiday Schedule
TACU will be closed on the following dates.
Monday, December 26 (in observance of Christmas)
Closed all day
Monday, January 2 (in observance of New Year’s Day)
Closed all day
TACU WILL be open on Christmas Eve (Saturday, Dec. 24) until 12:30 pm.
KEEP COLLECTING!
TACU is collecting hats, mittens, and scarves
through Dec 15.
Donations will benefit needy children in the area.
It’s the “gift” that keeps on giving!
The familiar paper U.S. Savings Bond will soon be a thing of the past. The
bonds will become paperless after December 31, 2011, available only online
through the U.S. Department of the Treasury secure website at
www.treasurydirect.gov.
Existing paper bonds are still valid, and will earn interest for 30 years from the
issue date, or until redeemed. You can continue to cash your savings bonds
here at TACU.
Reminder about Paper Savings Bonds!
Federally Insured by NCUA up to $250,000
Equal Housing Lender
www.tacuonline.com
T A C U C r e d i t U n i o n l N o v e m b e r 2 0 1 1 I s s u e
Christmas Club Accounts Spread Cheer to Santa’s Savers
Do the holidays leave you wincing from the credit card bill long after the
holiday euphoria has worn off? If so, we're here to help.
A Christmas Club account lets you save for holiday spending in advance
rather than relying on credit cards at the last minute. You even can arrange
to have the money deducted directly from your paycheck, making saving as
painless as possible. Plus, you get a free glass ornament for opening your
account each year.
Knowing that you'll have the money to pay for the holidays will put the cheer
back into this year's gift giving.
Open your Christmas Club account today!
Smart Holiday Shopping Takes Planning and Control
You say it every year after the holidays: "Next year I'm going to spend less money." It's easy
to get carried away. It can be just as easy to stay financially fit, even during the busiest
shopping season of the year.
The Credit Union National Association, the trade association for credit unions, and the
Consumer Federation of America, Washington, D.C., suggest these holiday spending tips:
1. Budget your spending and set goals: Start with a realistic idea of how much you can spend
on holiday gifts, food, travel, and so on. Add it up and really give some thought to what you
can afford. Think about where you might cut back and stick to your budget.
2. Make a list: Shop from a list to avoid impulse purchases that could leave you snowed
under in debt at the end of the season.
3. Comparison shop: Take the time to find the best deal. Fight the urge to get your shopping
over with as quickly as possible, and, for the procrastinator: Don't wait until the last minute!
4. Trim your interest payments: If you must pay with a credit card instead of using cash, use a card with a
low-interest rate. Now is a good time to look for a lower-rate card--like TACU’s MasterCard (9% APR interest)!
5. Open a Christmas Club account: Put some money in the account
each each month based on how much you spent this year; arrange to have that
amount automatically deducted from your paycheck. This way, next year
you'll have all the money you need. Plus, you'll earn interest rather than
making big interest payments to finance next year's Christmas shopping.
Need some dough for t
he
Holidays? Kwik Cash Loans allow you to make holiday purchases even if you don’t have the cash on hand. These loans give you needed funds up front in
the form of cash, check, or direct deposit.
The interest rate is as low as 9% APR and the process is easy. Apply today!