| Check 21, Check Clearing Act for the 21st Century |
| This new Act, passed by Congress, goes into effect on October 28, 2004. Check 21 provides for the creation of a new negotiable instrument known as a "Substitute Check." A substitute check is the legal equivalent of its original check for all purposes. The check clearing act will cut the time it takes a check from days to hours. |
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| HOLIDAY SPECIAL |
We will make your holiday wishes come true. Now through December 17th, apply for a Holiday loan for $1000 for 12 months, fixed 8.00% APR. Deduct 0.25% APR if payments are made through payroll deduction. Estimated monthly payment is $87.01 at 8.00% APR.
Contact us at 339-6755 or apply online.
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| NEW AUTO LOANS AT 4.50% APR!! |
Do you have a new or used vehicle in mind?
| Loan Amount |
Model Year |
Term |
APR |
| $25,000+ |
2005 or 2004 |
72 months |
4.50%* |
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1998 and Newer - Loan amount under $25,000.00 |
60 months |
4.50%* |
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*Subject to credit approval. Estimated monthly payment per $1,000 borrowed is $18.64 based on 60 months and $15.87 for 72 months.
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| Open a Christmas Club Account Now for 2005 |
By setting aside your holiday cash each month, you can shop those holiday sales with cash. You'll not only have funds available for gifts, but extra cash for holiday travel and entertainment. Call now to see how easy it is to get started. |
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| "Phishing" Scamsters Hook Unsuspecting Consumers |
Criminals are using phony emails and Web sites to steal financial and personal information. Avoid scams by being aware of the following:
- Treat email requests for financial information or personal data as suspicious.
- Contact the actual business that sent the email to verify if it is genuine.
- Look for the locked padlock in the browser to make sure the site is secure.
- Check your monthly statements to verify all transactions.
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| Your Credit Union: It's a Family Affair |
At your Credit Union, when you joined Baker's FCU, your family members also become eligible to join. It's one of the many ways the people you know and care about can benefit from the great financial services you're receiving from your credit union.
If you enjoy the low loan rates and fees, convenient, friendly services, and higher savings rates you get from your credit union, share us with your family.
Your spouse, parents, siblings, children and grandchildren all can join because you are currently a member. Encourage them to become members of your credit union family as well. |
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| NEED A STUDENT LOAN? |
Whether your are looking for your first student loan or would just like to consolidate your existing loans, come to your credit union first.
Financing your future can be expensive - books, tuition, living expenses. We understand how confusing the process can be and will take the time to get you a great deal on exactly the loan you need.
For more information on student loans, contact a Loan Officer today at 402-339-6755. |
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| Refinance Special |
Transfer your auto loan to Baker's Federal Credit Union to refinance with us and we will DISCOUNT your current auto loan rate up to 2%!
Call Carla or Sharon at 339-6755 today with the payoff balance and auto information or apply online by clicking below on the Apply Online logo. Finance at your locally member-owned Credit Union and you will be glad you changed.
Convenience, Trust and Friendly Service.
Subject to credit approval and qualification. Floor 4.5%. Available through December 31, 2004. |
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| Upcoming Holiday Closures |
- Thursday, November 11th - Veterans Day
- Thursday, November 25th - Thanksgiving Day
- Friday, November 26th - Close at 1 p.m.
- Friday, December 24th - Christmas Eve, Closed at noon
- Friday, December 31st - New Year's Eve, Closed all day for year-end processing.
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| This Credit Union is federally insured to $100,000 by the National Credit Union Administration. |
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Baker's Federal Credit Union :: Omaha, Nebraska
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