B o u l eva rd F C U B u l l e t i n

March 2019

2787 Niagara Falls Blvd., Amherst, NY 14228 ● Phone: 716-691-6727 ● Fax: 716-691-6860 ● visit us at: blvdfcu.com

Penn Central Branch: 8612 Buffalo Ave., Niagara Falls, NY 14304 ● Phone: 716-283-6268 ● Fax: 716-283-3007

Time is running out!

Our annual meeting is democracy in action. It's an occasion for management and elected officials to re-port to you, our owners. And, it's an opportunity for you to raise concerns and ask questions.

Here, you'll learn more about the credit union's finan-cial position, products and services, current business issues, and future goals. You'll be able to meet face-to-face the people—professionals and volunteers—who run your credit union.

How is the credit union different from other financial institutions? Is the credit union launching new products or services? Is the organization facing special challeng-es? Find out at the annual meeting. There's no better time to evaluate the financial condition of your credit union and learn more about how you and fellow mem-bers save and borrow together.

When members actively participate and share ideas, the entire credit union benefits. Without member in-put, credit union leaders could only guess what owners like you want from their financial institution.

And when you attend our annual meeting, chances are you'll leave with a better understanding of its pur-pose and goals, and be better prepared to face today's many financial challenges.

When: Saturday, March 16, 2019

Where: Ellicott Creek Fire Hall, 45 S Ellicott Creek Rd, Amherst Time: 5:30 pm

Our Annual Meeting... A Meeting With a Difference

ATTENTION: To all members who are going to request that their tax return be deposited electronically:

To avoid fees and delays, please be sure to use the following routing num-ber:

222382551

If you use the wrong number, you could delay your tax return or it could even be sent back to the IRS or State.

Be sure to correctly designate if you want your deposit to go to your sav-ings or your checking.

Please call us to verify your correct account number format for this depos-it. It may have more digits than you realize for electronic transactions.

With our LOW Interest

Signature Loan 4.25% APR*

As low

as

Borrow up to $ 7,500.00

* APR is annual percentage rate. 4.25% APR represents loan terms up to 12 months and is based on the qualifications of the applicant. Other rates and terms available.

It’s not too late to bring your

Vehicle Loan HERE!

Looking Back...

I Should Have Borrowed from the Credit Union

Stop by or contact our Loan Call Center at

(716) 564-1173 for details!

* All loans subject to approval based on credit qualifications of the applicant. Not all loans will qualify. Offer valid only on loan rate matches at 1.99% APR** and higher from another financial institution.

Bring us your auto loan from another financial institution and we will match your rate

for the remainder of the term!*

When you're financing, please don't forget us! We are here to serve ALL of your financial needs! Next time you are out looking for an auto, please remember that loans and auto financing is the bread-and butter for credit unions to serve you better. We turn that interest you pay on a loan right back to you in the form of dividends, low cost, low fee ser-vices and conveniences! We offer excellent rates and a fast turn-around time!

When: Saturday, March 16, 2019

Where: Ellicott Creek Fire Hall

Time: 6:00 pm

Tickets are required to attend the Annual Dinner Dance.

Purchase your Tickets at our office for Adults & Children until the final attendance count on 3/05/19. Although Children under 2 are free, you must still request tickets for them at our office.

Buffet Dinner catered by The Grapevine Restaurant ~ Cash Bar ~

Come join us for an evening filled with Delicious

Food, Music, Dancing, Prizes & Fun!

Adults $20.00

Children under 3 to 18 - $5.00

Under 2 yrs old - Free

Ticket Pricing:

Coming Soon! Single Sign-on for Bill Pay Users who also use our

Home Banking!

Last day to purchase your Annual Dinner Dance tickets is

March 5th.

Regular Savings Sub-share Accounts Money Market Christmas Club Vacation Club Share Certificates IRA Certificates IRA Share Account

) ~ No minimum balance No monthly fees Monthly Statement Overdraft Protection/Line of Credit Available Courtesy Pay

Loan Pre-Approval New and Used Auto Loans Recreational Vehicle Loan Boat Loan First Mortgage Home Equity Line of Credit MasterCard Credit Card w/MasterCard REWARDS Program Share Secured MasterCard Share Loan Preferred Line of Credit Loan Payment Protection Available (member pay) Gap Protection Available (member pay)

Drive-Thru Blvd FCU Teller * Drive-Thru 24/7 ATM Machine * Drive-Thru 24/7 Night Depository Box * - Safe

& Secure for deposits, loan payments and Im-portant Paperwork

Allpoint Surcharge-Free ATM Network 24 Hour Voice Response Unit (Automated Ac-

count Info & Transfers) Debit/ATM Card w/Free App available from

Vantiv® MobiMoney for Extra Security. Payroll Deduction Direct (Automated Deposit) ACH Pre-Authorized Automated Payments Online Bill Pay Service E-Banking & Mobile App E-Statements

* indicates available at Amherst Branch only.

CUMONEY Prepaid Debit Card VISA Gift Card Regal Cinema Discount Tickets Discount Tickets for Delta Sonic Car Wash,

Darien Lake & Fantasy Island Group Accidental Death & Dismemberment

Ins. Group Life Insurance Group Homeowner’s Insurance Group Auto Insurance Notary Public Fax Service Coin Machine Consumer Information Catalog

We are a FULL SERVICE , Not-for-Profit Financial Institution.

By pooling all of our savings together, we create a source of funds for loans to our members at reasonable to low rates of interest. The interest from these loans allows us to operate and offer all of these wonderful no-to-low fee services & conveniences!

Use your Blvd FCU Mastercard for all of your everyday purchases, from fuel to groceries to utility bills, your everyday purchases will really pay off!

We offer:

NO Annual Fee

25 Day Grace Period on Purchases

NO Fee for Cash Advance

NO Balance Transfer Fee

Many Payment Options! Payments Accepted at Our Office. You may also call our office to transfer your credit card payment from your Blvd FCU account. You even have an option to pay online

GoToMyCard.com

• Get your current account summary • Review card activity • View billing statements • Make a payment

Mastercard REWARDS

* APR is annual percentage rate. 10.00% APR is based on the qualifications of the applicant. Other rates and terms available.

Rate as low as:

% 10.00

Boulevard FCU Mastercard

Why WOULDN’T

you want a

It’s EZ to apply! Apply online, by phone or in person. Contact our Main Branch in-house Loan Call Center at (716) 564-1173 or our Penn Central Branch at (716) 283-6268 for additional info.

To access rewards & perks, register today at

www.manage-my-rewards.com.

Ahh, credit cards. You were probably pretty excited when you got your first one, and if you weren’t cautious with it, that excitement probably faded pretty quickly. But there’s no denying that a credit card can be a valuable tool. So how

many should you have? Here are some pros and cons to having multiple credit cards…

PRO – It can be great for your credit score: When credit bureaus determine your credit score they look at your debt utilization ratio (percentage of your available credit that’s in use). If you’ve got one credit card with a $5,000 limit, and you’ve spent $4,000 on it, then your debt utilization ratio is 80%. If you get a second credit card with a $5,000 limit and keep a zero balance, your debt utilization ratio is now 40%. Your credit score will thank you.

CON – It can be damaging to your credit score: While a larger debt utilization ratio might be good for your credit score, the act of opening the account can be damaging. Anytime you open a new line of credit your credit score can take a small hit. Just make sure not to open two new accounts in a short period of time.

PRO – Don’t keep all your eggs in one basket: It stinks, but occasionally you might have trouble with a card, and it’s always great to have a back-up. Let’s say you’re traveling and your card is lost or stolen. Having a second card stowed away somewhere will really come in handy.

CON – Large amounts of debt: If you’re not very good at keeping your spending in check, having multiple credit cards can potentially be a huge disaster. This isn’t rocket science: If you’re lacking self-control when it comes to credit cards, the less you have, the better.

You already know & TRUST Us!