Vol. 36, No. 2 April 2013

50420-NEWS-0313

Spring Clean Your Finances

From flashing warnings of road construction to reminders about getting in shape for the beach, signs of spring are everywhere. It's time for spring cleaning (not just the cobwebs

and dust bunnies) but your finances as well. You've already done a lot of the work when you gathered up the documents you needed to file your income taxes. Don't just stuff the paperwork back in a file. Take another look at it, but this time to figure out if you can do a better job of money management. For example, how much mortgage interest did you pay? Could you pay less by refinancing your loan? Are you getting a refund on your taxes? It may seem like a bonus, but in fact, you are guilty of over withholding. You are essentially giving your Uncle Sam a loan every paycheck. Give yourself a raise instead by adjusting the number of deductions on your W-4 form, available from your employer. Once you've combed through your tax-related documents, it's time to examine your bills. Are you paying excessive interest on your department store or other credit cards? Check with the credit union about a consolidation loan or a low-interest rate card. What about those utility bills? Is it time for some energy-efficient improvements? Ask about the low interest rates on home improvement loans at the credit union. What about the amount you're paying for fill-ups? Vehicles are increasingly fuel efficient and the credit union's vehicle loan rates are at historic lows. Have you compared the cost of insurance recently? You don't have to wait until your premium is due to make a switch. Many companies offer a free quote online. This spring, put down the mop or the rake for awhile, pick up a sharpened pencil and call on the credit union for more information on spring cleaning your finances.

Anchors Away With A Boat Loan

Whether you're in the market for a canoe

or cruiser, kayak or ketch, set sail for the credit union for a pre-approved boat loan. Just as when you purchase a vehicle with a pre-approved loan, you'll be in a better negotiating position when it's time to close the deal on your dream boat. Start by doing your homework whether you're buying new or used. Websites like boats.com and boattrader.com are good places to start. Talk to other boat owners. If you're buying a pre-owned boat, be sure to engage a marine surveyor. The surveyor's trained eye will find any deficiencies you may have overlooked that need attention before you can safely launch. Rates are great. And, there's never been a better time to enjoy time on the water with a boat loan from the credit union.

Fixed rate home equity

as low as

2.99% APR*

Home equityline of credit

as low as

3.89% APR*

For a limited time: NO CLOSING COST Some restrictions may apply.

* Annual Percentage Rate

Scan QR code for quick access to our website: www.murraystatecreditunion.com

Friend us on Facebook

Fast cash anytime at the ATM machine located at Walgreens

1205 Main Street, Murray, Ky.

with NO FEE

• 10%off*select personal Sprint plans• 15%off*select business Sprint plans• Waived activation fee on new activations

• Waived upgrade fee• Available to new and existing Sprint customers

Consider the Sprint Credit Union Member Discount — one of the many perks for being a member!

3 Ways to Get Your Discount:

– Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save

– Click LoveMyCreditUnion.org/Sprint– Visit your nearest Sprint store

Stop paying too much for your wireless services, andstart saving with the Sprint Credit Union Member Discount today.*Application of discount requires two-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans.

All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

MSU Federal Credit Union Members Save Big with the Sprint Credit Union Member Discount

T ired of paying too much for your cell bill? We don’t blame you. So we’re helping you save with the Sprint Credit Union Member Discount from Invest

in America. As an MSU Federal Credit Union member, you can save on your monthly wireless bills — plus have your activation and upgrade fees waived.

Members can save:

Keep Us Up-To-Date

Have you moved, changed your mailing address, e-mail address or your telephone number in

the past year? Do you have a name change? If so, please let us know. It is important that the credit union has your current information on file. We want to make sure all communication and important notices from the credit union reach you on time. If you have a name change, you will need to come by the credit union to update your signature card. And, for your security, change of address requests must be made in writing and on the proper forms. Please contact your credit union for more information. And don't forget, if you move out of state, you can continue being a member of the credit union: Once a member, always a member.

Get Yours Today

Did you know that you can request a free credit

report once a year from the three major credit reporting agencies: Equifax, Experian and TransUnion? The credit reports are available online at www.annualcreditreport.com or by calling 1-877-322-8228. You may want to request your reports one at a time (every four months) from each of the agencies. Remember, if you order all three credit reports at the same time, you will not be eligible to request them again until twelve months, or one year, has passed since your first request from each credit reporting agency. By staggering your reports, you can monitor your credit throughout the year without having to pay for a report. Note: Your credit score is not included with your credit report. You can purchase your credit score when you request your free annual report for a fee.

New car rateas low as

1.80% APR

Used car rateas low as

1.99% APR

saVe BiG with our low auto Loan rates!

In the market for a new or used vehicle, or do you just want to get a better loan on the vehicle you

have? These low rates apply to new purchases or you can move an existing loan from another financial

institution. Call or stop by the credit union for details.

* Annual Percentage Rate

809-6666The mission of the MSU Federal Credit Union is to provide services to improve the economic and social well-being of its members by providing financial services, while maintaining a degree of equity that assures its safety and continuous operation as a financial institution.

staffJanet Manning – CEO/Loan Officer

Martha Green – Assistant Manager

Ann Brooks – Loan Officer/New Accounts Clerk

Lydia Starks – Insurance Clerk/Teller

Barret Looper – Student Assistant

Your savings federally insured to at least $250,000 and backed by the full faith and

credit of the United States Government

We do business in accordance

with the Federal Fair Housing Law and Equal Credit Opportunity Act

NCUANational Credit Union Administration,

a U.S. Government Agency

hOURs 9:30 a.m. to 4 p.m. Monday –Thursday9:30 a.m. to 5 p.m. Friday

NIGHT DEPOSIT is available for your convenience

to Murray State UniversityThank you for supporting the credit union and allowing us to serve the faculty and staff of Murray State University, Calloway County School System, Murray Independent School System and the employees of Murray-Calloway County Hospital.

We’reCelebrating35YEARSof Serving Our Members!

T he credit union was founded in February 1978 and has

been “Making a difference one member at a time” ever since. You are valued as a member and we would appreciate your sharing with fellow members and prospective new members your credit union experience. We would like to use some of your comments on our Facebook page and the credit union website. Share your comments and be entered into a drawing for a free gift. This month’s drawing will be for a credit union T-shirt.

Please share how the credit union has made a difference for you.

___________________________________________________________

___________________________________________________________

___________________________________________________________

Name _____________________________________________________

Signature__________________________________Date ____________

MSU Federal CU

Board of DirectorsScott BarnesBetty BlodgettDavid BrasfieldCarmen GarlandLarry GuinDannie HarrisonDavid KraemerPaul NabereznyCadelia Turpin

supervisory committeeMary SmithGayle VinsonDebbie Wagoner

news editorLinda Pierce