NEWS

Bank where you work. Work where you bank.www.VanderbiltCU.org

A Quarterly Publication For Members of Vanderbilt University Credit Union

Christmas Club accounts!Fall is in full swing and the Holidays are just around the corner! Christmas Club funds will be available for withdrawal beginning Wednesday, November 2, 2016. As our way of saying thank you for saving in our Christmas Club, we will have donuts and giveaways at our Oxford House location starting at 7:30am on November 2nd. Stop by, withdraw your funds, and grab some breakfast before you start your Holiday shopping!

Keep in Mind:• No Christmas Club checks will be printed• We will continue to automatically transfer Christmas Club to checking accounts . If you don’t have a checking account, we will transfer to your regular savings account.

Benefits:• Money available sooner to you – on Wednesday, November 2nd• You have the convenience of accessing your money through ATMs or your debit card• You can still make withdrawal in cash or by check at teller window• You won’t have to wait in line to pick up check• You will automatically be enrolled in Christmas Club 2017 • It’s a great time to increase your payroll deduction and save even more next year

Don’t have a Christmas Club Account? Prepare for next year’s holiday wish list by opening a 2017 Christmas Club Account now!

Cut your auto rate in half.Vanderbilt University Credit Union is offering rates as low as 2.0% APR to cut your rate in half when you refinance your auto loan from another lender! Stop by today to learn more or apply online!

All loans are subject to credit approval and collateral value.

FOURTH QUARTER 2016

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Federally insured by NCUA

NCUA

CONTACT US

BOARD OF DIRECTORS

HOLIDAYS

Vanderbilt University Credit Union107 Oxford HouseNashville, TN 37232 P.O. Box 128426Nashville, TN 37212

615.936.0300615.936.0464 faxwww.VanderbiltCU.org

President Bill Rochford, MPH Vice PresidentLen Thicklin Treasurer Karen Rolling, BAccy, MAccy, CPA, SPHR Secretary Susan Mezger, CCP, SPHR Director Edward Cheng, J.D., M.A., M. Sc.,B.S.E. Director Becky Keck Director Andrea Cain

ThanksgivingThursday, November 24th andFriday, November 25th

ChristmasFriday, December 23th andMonday, December 26th

New Year’s DayMonday, January 2, 2017

Vanderbilt Credit Union is ready to help with all of your mortgage needs whether you’re moving or just wanting to save on your existing loan. We have low fixed rates and terms up to 30 years. Use our mortgages to buy your home or refinance your existing home loan to save on your monthly payment! Borrow money from people that you trust and know care about you, and feel good about your loan.For more information, call Michael Bittle (NMLS ID 1102351) at 615.936.0300 or email michael.bittle@vanderbilt.edu.

More than 3.5 million members have already saved over $1 Billion (yes, billion)- just for being members- with Love My Credit Union Rewards discounts! Vanderbilt Credit Union is excited to offer our members the opportunity to earn cash back and discounts on purchases at over 1,500 online retailers through Love to Shop! Find out more and sign up at www.LoveMyCreditUnion.org

Prepaid Cards and Gift CardsPrepaid cards are the perfect gift for everyone on your list! Stop by and purchase a guaranteed favorite holiday gift- letting them pick it themselves!

- Reloadable prepaid VISA Debit cards: Load with $10-5,000. Good anywhere in the world VISA is accepted- Gift Cards- whether they love food, fashion, or experiences, these are the perfect give every time.- Travel Money- Use Travel Money at any of the 25 million merchants that accept VISA Debit cards. Obtain local currency around the world at a VISA ATM and avoid the lines of exchanging foreign currency.

Would you love to win tickets to the Vandy/Florida or Vandy/Tennessee football game?! It’s time for Financial Fridays in the Fall!Every Friday from now through November 25, 2016, when you Like, Comment, or Share our financial tip posted on Facebook, you will be entered to win a pair of tickets from us! The more you play, the better chance you have to win!For September, all entries will be entered into the monthly drawing to win tickets to the Vanderbilt/Florida game on October 1, 2016. For October and November, all entries will be entered to win tickets to the Vanderbilt/Tennessee game on November 26, 2016.Find us on Facebook at www.facebook.com/VanderbiltUniversityCU and get entered to win today!

Need some quick cash to wrap up your Holiday shopping? Vanderbilt Credit Union’s Quick Cash Loan is the answer! How does it work? It is Quick & Easy!

- Get $450 cash on the same day you apply- Pay it back through payroll deduction over 5 months ($100/month), for a total of $500- Payback options are $25 per week, $50 biweekly, or $100 per month. Pick which works best for you!

Borrow money the quick, smart way. Apply online or stop by and apply in person!*Must be a member in good standing with $25 in base savings account (cannot come from the loan proceeds). 12 month continuous employment and proof of income required. Not eligible if under an existing bankruptcy, have outstanding judgments or unpaid liens. No rollovers permitted. Payroll deduction payment can be $100, $50 or $25.

In celebration of International Credit Union Day on October 20, we want to say thank you for choosing us as your financial institution of choice. This is a day dedicated to the unique qualities that make credit unions so great: service to our members, equal ownership, and social responsibility.

Find your Employee ID number hidden in this issue of our newsletter and win $25. Your Employee ID number is on your paycheck stub.

We’re giving away MONEY

Home Mortgages

Financial Fridays in the Fall

Love My Credit Union All Bundle Program

Quick Cash Loans for Holiday Shopping

International Credit Union Day

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