Your Share Summer 2012

7/31/2019 Your Share Summer 2012

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O K L A H O M A E M P L O Y E E S C R E D I T U N I O N N E W S L E T T E R

SUMMER 2012

P . O . B o x 2 4 0 2 7 O k l a h o m a C i t y , O k l a h o m a 7 3 1 2 4

P r e s o r t e d S t a n d a r d U . S . P o s t a g e

P A I D O k l a h o m a C i t y , O K

P e r m i t N o . 1 5 4 1

On average you can save $446 per year when you bring your auto loan to OECU.We want to know what you would do withan extra $446.


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Have you ever thought aboutwhat sets OECU apart fromfor-pro t commercial banks?There are several differences,

lower loan rates, higher rateson deposits and you are anowner to name a few.

The idea of member economic participation

may be one of the mostimportant. It means thatthe more you participate inyour credit union, the moreyou should bene t from its

nancial success. As OECUgrows and more people bringtheir loans and deposits here,we are able to offer better products and more servicesto everyone.

With low rates on autoloans and home loans there

has never been a better time to take advantageof what OECU has to offer.Remember these productsand services are available tomany of your friends, family

and colleagues. You couldearn a litle extra money bysimply spreading the wordwith our referral program.There is more information onour referral program in thisnewsletter or you can visitwww.oecu.org.

If you have any nancialquestions, we are here for

you. Call us anytime at405.606.6328 or visit us onlineat www.oecu.org.

You may know that home loan rates are at ahistoric low. But maybe you arent sure howmuch money you could save by re nancingyour home loan. Perhaps you would like toknow how much closing costs would be.

Wed be glad to discuss your options with youand can handle all your home loan needs.We service all loans from application to nalpayment. Youll never hassle with nding help.Our real estate experts are always just a phonecall away.

We also make it easy for you to get started withyour home loan application. It can be donein person at any branch, over the phone bycalling 405.606.6328 or 877.677.6328 or online at

www.oecu.org.Our home loans are available throughoutOklahoma. You dont have to live in the OKCMetro to take advantage of the low rates, lowclosing costs and all around great service.

Still have questions? Weve got people. Callany of us today.

MARKMYWORD

DEPARTMENTSPOTLIGHT

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Got real estate questions? Weve got people. Meet the OECU real estate department.

Mark W. KellyOECU President

Real Estate DepartmentBonnie McGuire, Brenda Donahue, Constance

Ladd, David Williams, John Greer, Keitha McFee,Kerri McCloud, Kevin Williams, Mark Morger, Me-

lissa Hoffman, Nikki Sorrells, Rashetta Gray


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What Coverage isRight for You?

You might haveheard them calledextended warran-ties or a mechanicalbreakdown policyon your vehicle. Theyare a safeguardagainst expensive,unforeseen repairsfor an agreed-uponperiod of time.

An Extended Service Contract may bepurchased at the time you buy your vehicle;its also possible to purchase one muchfurther along in your ownership experience,including on vehicles with up to 125,000 milesor more.

In deciding whether an extended servicecontract is right for you, and in selecting thebest plan for your needs, ask the followingquestions:

How long do you plan on owning thevehicle?

How many miles do you drive per year? Whats the reliability of the vehicle? How do you plan to pay for unexpected

repairs? How much is the deductible? Is out of pocket cash required for repairs? Where can repairs be performed? Whats covered - exactly?

Of course, the credit union does havequality extended service contracts availableat reasonable prices. You are invited tocall us to discuss your options.

nnual Percentage Rate. Max term 36 months for 1.90% APR; estimated payment $28.60 per $1,000 borrowed. Max term 60 months for 2.49% APR;imated payment $17.74 per $1,000 borrowed. 680+ credit score. Min amount $10,000. Existing OECU loan min advance $2,500. Requires automaticyments and eStatements. Limited time offer. Normal lending policies apply.

UNDERSTANDINGSERVICECONTRACTSWhat is a service contract and how do you choose the one thats right for you?

TAKETHESTINGOUTOFYOURAUTOPAYMENT

Just how much could you save?With auto rates as low as 1.90% APR^ your monthly payment could be...

$572 $439 $355$429 $329 $267$286 $220 $178

36 months at 1.90% APR^ 48 months at 2.49% APR^ 60 months at 2.49% APR^


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his years OECU Scholarship recipients showed academic success, altruistic drive, involvement inociety and leadership among their peers. The OECU Scholarship program has awarded $2,100 incholarships for the 2012 - 2013 school year, which will assist the commendable students with their ducation expenses.

Congratulations to the $1,000 scholarship recipient:

Dane Bedford of Anadarko - Dane graduated from Anadarko High Schoolthis year. She is planning to attend the University of Central Oklahoma thisfall. Danes eld of study will either be medical or engineering.

Congratulations to the $500 scholarship recipient:

Kaden Kirtley of Washington - Kaden graduatedfrom Washington High School in May and willattend the University of Oklahoma in the fall. Hewill be focusing his studies on political science and

opes to practice law in the future.

ongratulations to the $200 scholarship recipients: John Hiller of Ringling,lex Kimmel of Yukon and Justin Howell of Purcell.

hank you to all our applicants who shared their essays with us. We look orward to next year.

ANDTHEWINNERIS

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ust think of all the things you could do with that extraoney. Now that youve thought about it...tell us what

oud do. The most unique and creative answer willin $446!

o submit your entry visit www.oecu.org.

ubmit your idea by 8/10/12. The ve most uniquend creative entries, as determined by the selectionommittee, will be put to a vote on oecu.org 8/13/12 -/17/12.

Whether you know someone who needs to saveoney on their auto loan or wants a chance to win

n extra $446, share it and let OECU put money whereour mouth is.

WINANEXTRA$446n average you can save $446 per year when youring your auto loan to OECU.

Dane Bedford

Kaden Kirtley


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Save time and make your ePay payments even faster!

When you use ePay you can: Save money - no more checks, stamps, late fees or

overdraft fees. Save time - schedule payments in minutes. Make one

time or reoccurring payments on time, every time. Stay in control - pay your bills on the day you want, not

when the company decides.

Ready to discover the convenience of paying bills onlinewith ePay? To sign up for ePay log onto eBranch as usualy and click on the Bill Payments link at the top of the page. Simply ll out the registration form and click submit. Once you recieveyour approval email you will be able to log back in and set up your payees by clicking Add aPayee.

Want to test drive ePay? There is a fully interactive demo at oecu.org under eServices.

Pay is fast, easy and secure. Most of all its free! t

ePAY ISEASY

tePay is free for all checking accounts, as long as you pay one bill a month. If not, there will be a $4.95 charge for no activity.

Dont get stuck with credit card fees **.Open your OECU Mastercard todayand take advantage of...

No Annual Fee No Balance Transfer Fee No Cash Advance Fee

00% foreign transaction fee.


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Gone are the days when a new box of cray-ons, some No. 2 pencils and notebook paper would suf ce as school supplies. Now, manysupply lists include expensive graphing calcu-lators, ash drives and other electronic de-vices.

Here are some strategies as you prepare for

this school year:Many schools have uniform closets, whereformer students have donated gently usedclothing that can be purchased at a reducedprice. If your school doesnt require a uniform,consider shopping at a thrift store or a resaleshop. Kids grow quickly and fashions changeeven more rapidly. And dont worry; no onewill know where you got your clothes. Youdbe amazed at the resale shops these daysand their adherence to current fashion trends.

Check the ads in your local paper or onlinefor inexpensive school supplies. But be savvy.Many stores will deeply discount some itemsbut mark up others. Compare prices. If youdetermine you need to shop more than onestore, plan your route so you dont have tomake more than one trip out, saving yousome fuel. Check with friends who haveolder students to see if they have leftover

electronics or supplies.

If your child doesnt ride the bus, plan now tocarpool with other parents.

Look for free or low-cost afterschool activitieseither at your childs school or at neighbor-ing organizations such as the YMCA or theBoys and Girls Club. For more ideas check theOklahoma Afterschool Network, http://www.okafterschool.org/.

If your child plays an instrument, many musicshops offer rental programs. You can also of-ten nd used sports equipment. Always talk to

your childs coaches if purchasing uniforms or shoes is a problem. Many coaches have con-tacts with companies that are willing to help.

Make use of your local library for books andcomputer use.

Most of all, make sure your childs brain isready for the new school year and enjoy theselast days of summer.

Janet BarresiOklahoma State Superintendent

of Public Instruction

BACKTOSCHOOL

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With the return of school just around the corner, it can be an expensive time as parentswork to restock school clothes and supplies.

State Superintendent Janet Barresi looks ata digital book report created by students atWashington Elementary School in Clinton, OK.


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dentity theft is a fast growing

rime in which a thief gains ac-ess to and uses an individualsersonal identifying information

without his or her knowledge inrder to commit fraud or theft.ou can protect your privacynd minimize your risk of be-oming a victim of identityheft by taking the followingeps:

redit and Debit Cards

Limit the number of creditand debit cards that youcarry.

Retain all receipts from cardtransactions.

Sign new cards as soon asyou receive them.

Report lost or stolen cardsimmediately.

redit ReportsOrder a free copy of your credit report annually.

Check your credit report for any discrepancies.

ccount and Credit Cardtatements

Contact your nancialinstitution immediately ifan account or credit cardstatement does not arriveon time.

Review your account andcredit card statementspromptly and immediately

report any discrepancy or

unauthorized transaction.Telephone and InternetSolicitations Be suspicious of any offer

made by telephone, on aWeb site or in an email thatseems too good to be true.

Before responding to atelephone or online offer,determine if the person or business making the offer is

legitimate.

Remember: OECU will never request your credit card or ac-count information if we have tocontact you. The only time wewill ask for your information iswhen you contact us, and weonly request information thatwill identify you or assist us inanswering your question.

Home Security Store extra checks, credit

cards, documents that listyour Social Security number,in a safe place.

Shred all receipts, solicita-tions, statements, canceledchecks, utility bills and other

nancial documents beforeyou throw them away.

PINs and Passwords Memorize your PINs and

passwords and keep themcon dential.

Change your passwordsperiodically.

Avoid selecting PINs andpasswords that will be easyfor an identity thief to gureout.

Do not carry PINs andpasswords in your wallet or purse.

Call us immediately 405-606-6328 or 877-677-6328 if youbelieve your online securityor identity has been compro-mised.

For more information on pro-tecting your identity visit ouronline Security Center at www.oecu.org/security

OECU SECURITYCENTER

SPREADTHEWORD CARDSWe are offering $50 cashback * when you refer us toyour friends and family whowant to save money on their auto loan. The more peopleyou share with, the moremoney you can earn!

In addition to giving them

$50 for every loan they book over $5,000, we promise toalso take real good care ofthem. So let us put moneywhere your mouth is!

Visit www.oecu.irecom-mendafriend.com to spreadthe word.

We will put money where your mouth is.

You must be at least 18 years of age and a member in good standing. New account/loan must be established within 30 days of membership. Moneyll be deposited into your OECU account upon incentive conditions being met. Normal lending policies apply.


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For account information access eBranch at www.oecu.org or call our 24-hour phone teller at405.606.6338 (800.526.6663)

CORE Summer EventThursday, August, 211 am to 1 pmMcMurrain Center 10730 N May Ave

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DATESTOREMEMBER

Labor DayMonday, September 3All branches closed.

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Columbus DayMonday, October 8Stiles drive-thru and Phone Center open 9am - 1pm.All other branches closed.

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Limited time offer Up to 12 years Low closing costs

3.375% apr* MORTGAGE LOAN SPECIAL

OECU is now a Credit Union Service Center. Youcan complete transactions like deposits, withdraw-als, loan payments, transfers and more from ac-counts at other credit unions.

Stiles 3020 N StilesSouth OKC 530 SW 119thNW Expwy 7230 NW ExpresswayQuail Springs 15100 N MayTulsa 717 S Houston

*Annual Percentage Rate. Must be primary residence rst mortgage. Max 12years up to $150,000 and 75% loan-to-value as determined by appraisal or AVM. Min credit score 680. Excludes manufactured homes and homes outsideOklahoma. Limited time offer. Normal lending policies apply.

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Your Share Summer 2012