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 The math could not be easier...

MWRD Visa Platinum card

A LOWER rate means you pay LESS!

For a limited time, existing MWRD Visa® Platinum card holders pay just 1.90% APR* on balances transferred from other institutions’ credit cards! There is NO FEE for moving balances from your high-interest bank and store creditors to our low-interest Visa Platinum1!

No MWRD Visa Platinum? Apply online, or call us & we will send you an application.

Start your year off with interest savings! Download the Balance Transfer form now!

*APR=Annual Percentage Rate, subject to change. Not a promise to lend; standard credit qualifications and some restrictions apply. 1 Offer does not apply to balances at MWRD Employees’ Credit Union. 1.90% APR* is a limited time offer, valid only on balances transferred January 19, 2018 through March 31, 2018, subject to change without notice. Special 1.90% interest rate is good through 3/31/19 on balance transfers which qualify; on 4/1/19, the interest rates will return to regular rates for all outstanding balances. Balance transfers made up to credit card holder’s approved credit limit. Balances on other credit accounts may not be paid in full if credit card holder does not have a sufficient credit limit. Credit Union is not responsible for balance transfer payments that are lost or delayed in the mail. Card holder is responsible for all credit accounts until they are confirmed paid in full by original lender. Rates after special 1.90% APR* period based on applicant’s credit score and range from 9.90% APR to 19.90% APR. Credit and cash advance limits vary accordingly. Missed or late payments will result in revocation of the special rate; credit card holder will then pay the Penalty rate. Penalty rate is 24.9% APR. Complete Visa Platinum terms and conditions available at www.mwrdecu.org.


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 Three Terrific Reasons to save now for next season

holiday cash

Resolve to keep the holidays from sneaking up on you this year! Start setting aside funds TODAY in our Holiday Club account, where they can earn dividends until you need them. You already know instinctively this will help, but here’s why you should open your account right away:

> No pain, plenty of gain! Saving a little each month is practically painless - especially when you use payroll deduction or automatic transfers.

> The early bird gets the specials - Your Holiday Club funds are available November 1, so you can take advantage of all the pre-holiday sales and free shipping offers.

> No holiday hangover - Best of all, your credit cards will thank you next January. No high interestpayments, no frustration of trying to pay them off - and no extra costs to your gifts.

Save $50 each pay period starting now, and you could have over $900 by November! Stop in today to get started.


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 ANNUAL MEETING APRIL 11

Annual Meeting April 11, 2018

Mark your calendar! Please join the Board and Staff for our “Annual Meeting of The Greatest Members on Earth!” As always, we’ll review the events of 2017 and discuss exciting plans for 2018, followed by a social hour with light refreshments, gifts and prizes!

We are here to help you juggle your finances, tame high-interest creditors and balance all your financial priorities. Remember, you are a Member/Owner, and you have a voice in your credit union. Hope to see you there!

If you would like to be considered as a candidate for the Board of Directors by the Nominating Committee for the next election, please submit a request and a brief statement of qualifications to the Credit Union office or to any member of the Credit Union’s Board of Directors.


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 Anytime Anywhere Convenience

Digital banking simplifies your money management by ensuring access to your MWRD ECU accounts wherever life takes you. If you would like to be enrolled in any of the following services, talk to any of our friendly representatives for a demo and help with set up.

digital cash transfer

- Online & Mobile Banking
- Online & Mobile Bill Pay
- Person-to-Person Transfers
- Account-to-Account Transfers
- Direct Deposit / Payroll Deduction
- eStatements
- National surcharge-free debit/ ATM network
- 24-Hour Telephone Teller

We are committed to providing the latest financial technology, secured by the latest data encryption and protection. Questions? Stop in or call us today.


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 Mortgage rates are headed higher...

home mortgage calculator

Make the smart move now. Federal Reserve officials have projected up to three rate hikes this year. When the Federal Fund rate goes up, consumer interest rates traditionally follow.

Don’t wait for higher rates! Begin your application for a home purchase or refinance now to lock in lower rates. As a member of MWRD ECU, you can request a FREE consultation with Colin Ungstad (NMLS #450055) from AnyHour Mortgage, our trusted mortgage partner, to learn more about all your options. Call Colin today at 630-383-0121.

Plus, AnyHour Mortgage offers a full suite of online tools to help you get started right now. Just choose AnyHour Mortgage under our “Helpful Links” menu at the left.

Not a promise to lend; standard credit requirements and some restrictions apply. Contact a credit union representative for complete details.


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 Answers to your Credit Review Questions

You may have heard that your membership with MWRD ECU entitles you to a personal Credit Review with expert GreenPath counselors at Accel Services. But what does a Credit Review entail? Here are a few questions and answers about this exclusive members-only benefit.

How much does a credit report review cost? There is no charge for a credit report review.

Will GreenPath provide me with a copy of my credit report? You can obtain your own report at www.annualcreditreport.com free of charge, although there is a small fee for the credit score. Or GreenPath can provide you with an educational credit report with score for about $15.

Can GreenPath repair my credit? No legitimate company will provide credit repair. The Federal Trade Commission (FTC) warns consumers of any company that charges money for credit repair or offers to remove late payments, bankruptcies or similar information from a credit report.

How do lenders use credit scores? Credit scores help lenders assess your likelihood to repay debt responsibly based on your past credit history and current credit status.

Accel Members Financial Counseling

How are credit scores determined? There are several different types of credit scores. Each score is determined using a unique formula. Most use some variation of on-time payment history, percentage of credit line used, debt balances, age and type of accounts, number of recent credit inquiries and amount of available credit.

As a MWRD ECU member, you have access to FREE financial education and counseling. Accel counselors are available Mon-Thurs 8 am-12 am, Fri 8 am-7 pm and Sat 9 am-1 pm (EST). Simply call 1-877-33ACCEL (332-2235) or choose Accel Services under our “Helpful Links” in the menu to the left.