TOWER FAMILY CREDIT UNION 3302 Mindi Lane
NEWSLETTER Kalamazoo MI 49001
January2017 (269) 344-8525 Fax (269) 344-8549
Call for Volunteers
A credit union is owned by its’ members, that is every person who has an account here has a vote in the credit union and elects the Board of Directors to run the credit union. The Annual Meeting will be held on Wednesday, April 19, 2017, at 4:30 pm. We are in need of people to volunteer for the Board of Directors. If you are interested in volunteering please contact the manager.
Spread the word! Your co-workers in the medical field are eligible to join as well as the members of you immediate family! We are looking for new members to grow our credit union.
You can support your credit union by reviewing your current borrowing situation. For example, have you purchased a vehicle that you financed at the dealership out of convenience? If so please check out your current interest rate. We find that our members who finance elsewhere often pay a higher rate of interest than if they had financed at Tower Family Credit Union. If you are willing to help support your credit union, please give us a call and see if we can match or beat your current interest rate.
Credit Union Hours
Monday 9-5:00
Tuesday 9-4
Wednesday 9-4
Thursday 9-5:00
Friday 9-4
Daylight Savings,
Sunday, March 12th
We will be closed
SYSTEM UPGRADE
TUESDAY, JANUARY 10th
Martin Luther King Jr, Day,
Monday, January 16th
Presidents’ Day
Monday, February 20th
Home Banking and e-statements
Did you know that we offer e-statements? You can sign up for e-statements through home banking. It’s easy, just click on the e-statement tab and you can begin receiving your e-statement on the first day of the month. No more statements in the mail or more paper to shred. E-statements will remain on the system for 18 months. You can save them to your personal files if you wish. If you need copies you can simply print them off. We charge $5 per statement that we have to re-print at the credit union.
Using your Tower Family CU Debit Card?
PLEASE update your address and phone number with the credit union. It is very important that we have current information especially if you have a debit or credit card with us.
Your debit card has a daily spending limit assigned. Please know your limit before you purchase.
If you plan to travel with your debit card please let us know so that we may put a travel advisory on your card. This will help to prevent your card from being shut down while you are out of town. Our system evaluates transactions and flags suspicious transactions that are out of your normal spending habits and locations.
Share rates as of December31, 2016
Type APY
Shares .10%
IRA .50%
Vari-shares
100-9,999.10%
10,000-24,999.10% to .16%
25,000-49,999.16% to .23%
50,000+ .23% to .32%
Vacation Club.50%
Interest Rates*
Auto Loans
2012-2017
24 to 60 months 2.49%APR
72 months (Min $18K)2.99%APR
84 months (Min $25K)3.49% APR
2011-Older
Up to 60 months 3.49%APR
72 m (Min $18K)
Boat & RV
2012-2017
48 months 3.49%APR
60 months3.49%APR
72 months (Min $18K)3.99%APR
84 months (Min $25K)4.49%APR
Over $25,000
2011 and older
Up to 60 months4.49% APR
Home Improvement Loans
12 months 7.99%APR
24 months 8.49%APR
36 months 8.99%APR
48 months 9.99%APR
60 months10.99%APR
Unsecured14.99%APR
OverDraft Loans16.50%APR
APR=Annual Percentage Rate
APY=Annual Percentage Yield
*The APR listed is the credit union’s standard rate for credit. The rate may vary depending on each individual’s credit history and underwriting factors. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Credit information is provided by TransUnion.
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1-877-332-2235