The holidays were wonderful. The bills? Not so much. Make a money-saving resolution that will shorten how long those bills stick around: Pay off high-interest bank and store credit cards with our affordable Simplifi Debt Loan. Six affordable payments and those bills are gone.
We want 2019 to be the year you get fiscally fit and this is an
easy and effective way to start.
APR=Annual Percentage Rate and is based on the member’s creditworthiness. Payment per $1,000 borrowed at 7.99% APR=$170.57. This loan is eligible for Loyalty Discounts. Offer good through 2/28/19.
Make fiscal fitness your first New Year’s resolution
A resolution to get your finances in shape can be easier than you think. Just ask Corliss Beamer, our new Certified Credit Union Financial Counselor, for a free, no-obligation budget review. She’ll go over your current situation and put you on the path to where you want to be. Call 586/ 228-8484 ext. 2611 or email her to schedule an appointment.
Check your credit report
The new year is also a great time to check your credit report. Federal law allows you to request a free copy of your report from each of the three major credit reporting bureaus every 12 months. Go to the official government-authorized site annualcreditreport.com, or directly to Equifax, Experian and TransUnion, Avoid look-alike sites that give you a free copy but require you to sign up for a costly monthly monitoring service.
Be alert for skimming at gas pumps
Paying at the pump with a card? Give the card reader a close look to be sure it hasn’t been compromised by an identity thief. In skimming, thieves create a fake keypad, or insert a small device into the reader to intercept your card’s information.
How to protect yourself
Check the keypad
Thieves typically create fake keypads that fit over the real ones. If the keypad is larger than usual, or feels loose, use another pump.
Does it feel right?
If it doesn’t feel right when you insert your card, look in the slot to see if a thief has inserted a small reading device there.
Use pumps the clerk can easily see
Skimmers typically target pumps that are out of the clerk’s line of sight. Use pumps closer to the station office.
Check out your app store for apps that may help you detect skimmers using your smartphone.
Increased awareness is your best protection against gas pump skimmers.
Think you can’t purchase a home this winter? Think again
Winter means fewer buyers you have to compete with, motivated sellers, and lower home prices. No matter what season it is, our partner, Mortgage Center, is here to help you get into your dream home.
Mortgage Center offers a variety of products, including traditional and government loans, as well as unique mortgage solutions that other lenders cannot. These solutions include:
Zero down payments
Help with less than perfect credit
With an experienced team of experts, Mortgage Center is ready to help you get into the cozy home of your dreams this winter. Speak with an expert today to begin your free pre-approval or find out which mortgage solution is right for you by calling 800.353.4449 or visit MortgageCenter.com.
Mortgage Center NMLS# 282701. Equal Housing Lender.
Remembering Gerald T. Celeskey
Long-term MCCCU Director Gerald T. Celeskey, better known as Jerry, passed away recently at the age of 87. He was born September 9, 1931 in Detroit, Michigan to Leonard and Josephine (nee Borowski) Celeskey. Gerald was a United States Navy Veteran. He graduated and earned his Law Degree from the University of Detroit Law School and retired from the Wayne County Prosecutor’s Office.
He began his service with Motor City’s Supervisory Committee in April 1987, then as a Director and Chairman of the Board. He also served on the Board of Motor City Consumer Cooperative, Inc. and volunteered with many other organizations including American Polish Century Club, Kiwanis Club of Warren, Knights of Columbus, and A.M.V.E.T.S.
“Mr. Celeskey was the Chairman when I joined the executive team. I appreciated his experience and wisdom as I expanded my role within the organization. He truly will be missed,” commented Steven Andrews, President/CEO of Motor City.
I can’t begin to tell you how proud I am of our wonderful staff. Your credit union’s Helping Hands were very busy this year as we fulfilled our mission of giving back to the communities that support us. Through this unique program, which demonstrates the “People Helping People” credit union philosophy, our staff members have volunteered nearly 800 hours to great causes including:
I encourage you to follow our community activities on Facebook and Instagram where you may find some volunteer opportunities you’d be interested in. And if your organization could use a Helping Hand through volunteers or donations, please email Lori Hickey, our Helping Hands Coordinator, and let her know the details.
Working together, we can help everyone make 2019 happier for all.
STEVEN P. ANDREWS
Skip-A-Pay for a breather
Take a post-holiday break from bills by pausing the next payment on your qualifying MCCCU loan. Give yourself some breathing room and have funds available for other purposes. Just complete and submit a Skip-A-Pay form.
eSign saves you time
Put away the pen. Use eSign instead to sign MCCCU documents without visiting a branch. Imagine the convenience of signing loan documents any time, from anywhere, using your phone, laptop or computer. You can use eSign to authorize account changes, loans or add new products and services.
Build better holidays with our Christmas Club Account
Fun fact: Our Christmas Club Account holders have an extra perk in December.
They save a little every month for the holidays with a Christmas Club Account. There’s no minimum opening balance, automatic transfers make it easy and they can make additional deposits any time. Then on October 31, their funds are magically transferred to their checking or savings account.
Now you see why they have a little extra perk. Why not be one of them and open your Christmas Club Account right now?
Put your tax refund to work in a CD
Expecting a tax refund? Put some or all of it to work in a Certificate of Deposit, which you can open with as little as $500. Earn competitive yields on terms from 90 days to five years and enjoy peace of mind knowing it’s federally insured. Call 586-228-8484, Option 5, or visit any office to open yours today.
Annual scholarship program available now for High School Seniors
Since starting our Bathanti-D’Agostino scholarship program in 2002, more than 95 exceptional high school seniors have earned awards totaling more than $155,000.
This year there are scholarships available totaling a maximum of $5,000 for any high school senior who is a resident of the State of Michigan, demonstrates academic and social achievements as well as a commitment to community service. All applicants must plan to enter a trade school, college or university in the following academic year. Applications are due by April 1, 2019.
A thank you from a recent recipient
“Thank you so much for this scholarship. It is so important to me and such an exciting new chapter in my life to attend college. I can’t say thank you enough.” -Nicole T.
Members save on TurboTax and get a chance to win $25,000
This year, get your biggest possible tax refund and a chance to win $25,000. TurboTax is up-to-date on the latest tax laws and guarantees 100% accurate calculations, so you can be confident your taxes are done right. Plus, you’ll be automatically entered to win $25,000 when you try TurboTax Online for FREE by February 14th. And as a credit union member you can save up to $15 on TurboTax.
Click here to enter the sweepstakes and access the member discount. Start today and save!
More Savings with Love My Credit Union Rewards! In addition to the TurboTax discount, members have saved nearly $2 billion with exclusive offers from Sprint, ADT, TruStage, and cash back shopping with Love to Shop. The more offers you take advantage of the more you save. Click here to start saving today!
Visit TurboTax product guarantees and other important information. Limited time offer for TurboTax 2018. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.
TurboTax $25,000 Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the 50 United States or the District of Columbia, 18 years of age or older at time of entry, who are customers of participating Financial Institutions or employees of participating businesses. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/14/19. Subject to complete Official Rules and all applicable federal, state and local laws. For Official rules including participating Financial Institutions and business, odds of winning, alternate method of entry, and prize descriptions, visit the Official Rules. PRIZES: 1 Grand Prize: A check for $25,000. Retail value, $25,000. 12 First Prizes: A check for $1,000. Retail value, $1,000 each. Maximum retail value of all prizes is $37,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-22E, San Diego, CA, 92129.
71st Annual Meeting
Our 71st Annual Meeting is Tuesday, March 19, 2019 at 5 pm in our main office at 37321 Garfield Road in Clinton Township. The Nominating Committee, consisting of Mark Tuttle and Frances Mellen, has selected Robert Hojnacki, Samuel Belzer and Kimberley Regener to run for three-year terms on the Board of Directors, and selected Amy Piconke and Kenneth Zukowski for positions on the Credit Committee.