1. Earn an extra 2% APR discount on your lowest qualifying rate
when you close on a Consolidation Loan before March 31ST
.
you have
DEBT.
we have
answers.
Liberty Horizons
A Quarterly Publication for Members of Liberty Savings Federal Credit Union // Winter 2015
Put debt collectors on hold permanently. Stop by a Liberty Savings Service Center near you,
or call (201) 659-3900 and select option 5 to apply for a debt consolidation loan today.
For more information, visit us online at www.LSFCU.org
Juggling several high-interest debts can put a lot of stress on your mind and your money.
We offer a simple solution that may slash your interest expense and dramatically simplifying bill-paying.
*Extra 2% APR discount based upon lowest rate you qualify for when you close on a Consolidation Loan between January 1, 2015 and March 31, 2015.
Loan eligibility and rates are determined by LSFCU and are based on the borrower’s credit worthiness. Rates are subject to change without notice.
A SIMPLE SOLUTION THAT SAVES TIME AND MONEY
It’s far easier to manage your debts and make real progress in paying them
off when you have just one single payment that doesn’t change. That’s the
beauty of the Liberty Savings Debt Consolidation Loan. We pay off your
lenders and you make one payment to us. Better yet, with our competitive,
member-only rates, you may find yourself paying less interest each month.
And since Liberty Savings is committed to helping you solve the debt
puzzle, we’re offering an extra 2% off your lowest rate when you close on
a Debt Consolidation Loan between January 1st and March 31st, 2015.
GET HELP FROM A PRO
As a Liberty Savings member, you have access to trained Member
Services Representatives who can provide professional, confidential credit
counseling services.
This is not consumer credit counseling—which means it will help your future
without harming your credit score. Our counselors can help you figure out
how to pay off the debts you already have, while creating a spending plan
that avoids building up new ones. There’s no charge for this service and as
a member-owned institution, it’s our mission to help members make better
decisions and build financial security.
SEE THE BIG PICTURE
Wondering what’s on your personal credit report and what it means to your
score? Stop by any Service Center before March 31st, 2015 and request
a free copy of your credit report from a Member Services Representative.
In addition to checking it for errors and indicators of identity theft, we can
also help you understand how each item affects your score. Learn how to
improve a negative credit score or make a good one even better.
2. connect with us online to stay up to date with local events, happenings and financial tips.
Dear Fellow Members,
I always look forward to this periodic opportunity
to share some insights into the latest and greatest
chapter in the story of our credit union...and with
each passing season of the year, Liberty Savings
continues to grow stronger and even more
competitive.
For example, with this newsletter, we’re pleased to
announce the introduction of the Liberty Savings
Platinum Rewards VISA®
Card. For members who’ve
already been carrying a Liberty Savings VISA®
Card,
this new card brings a whole new world of features
and benefits. And for those of you who have their
credit card elsewhere, this should be just the nudge
you need to move your credit card business to the
institution you own.
While our new card shows our dedication to
providing exceptional value to our members, we’re
just as focused on being a benefit to our Hudson
County community. With that goal in mind, we’ve
launched Liberty Savings Local Rewards.
Local Rewards will benefit both credit union members
and our community by helping members save money
and encouraging members to do business locally.
How? By offering member-only discounts at a wide
variety of local businesses. If you have a business
and are interested in participating, please get in touch
with Karen Velasquez at (201) 659-3900, ext 7038 or
by email at kvelasquez@lsfcu.org.
Liberty Savings Federal Credit Union’s dedication to
the community goes well beyond dollars and cents.
For example, we hope you’ll join us in donating food
for Hudson County’s needy in partnership with Let’s
Celebrate. By dropping off canned and dry food at
our service centers, you’ll help make the season a
happier one for your less-fortunate neighbors.
We also invite you in joining us in the fight against
breast cancer by stepping alongside us in the
Making Strides Against Breast Cancer walk on
October 19th at Lincoln Park. Even if you can’t walk
with us, you can still make a donation to the team.
Finally, with the holidays growing closer every day,
I’d like to stress the importance of setting a budget
ahead of time and sticking to it. To help stretch your
budget at rates well below what you’ll find at payday
lenders, get in touch with us to take advantage of
our popular holiday loans. They have an interest
rate that’s a full percentage point below your
lowest qualifying rate and offer a member-friendly
12-month repayment schedule.
We look forward to continuing to serve you,
James J. Miller, Sr.
President/CEO
MESSAGE from THE President
HOLIDAY closing REMINDERS
All Liberty Savings Federal Credit Union offices will be closed:
n Martin Luther King, Jr. Day: Monday, January 19th
n President’s Day: Monday, February 16th
Decisions about your health insurance coverage are some of the most important
ones you can make. Who will provide your care? How much will it cost? What will
the Affordable Care Act (ACA) mean to you and your family? What are the options?
What’s the best choice? With your Liberty Savings membership, the TruStage Health
Insurance Program makes it simple to find the right plan for you.
TruStage Health Insurance is designed specifically for credit union members.
Their dedicated experts are ready to explain your options, answer questions and
help you choose the plan that’s right for you. In addition, they have access to tools
to compare plans and identify financial assistance options that may be available.
Whether online or over the phone, TruStage Health Insurance Program with GoHealth,
gives you access to licensed agents who can help you make an informed decision.
Find the health insurance plan that’s right for you and your family.
Visit TruStageHealth.com or call toll-free 1-888-416-2166 today.
Finally—affordable health insurance you can trust made easy.
The enrollment period for the Affordable Care Act (ACA) is open and runs through February 15.th
If you need health insurance, or have questions, our partner TruStage is ready to help.
The TruStage™ Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide
and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. TruStage Insurance Agency, 2014 All Rights Reserved.
n 24/7 Fraud Protection: We monitor your account
for any abnormal or suspicious spending activity.
n Zero Fraud Liability: You won’t be held responsible
for any fraudulent credit card transactions.
n 24/7 Account Access: Track your balances, current credit,
transactions and make payments at www.lsfcu.org.
n Insurance Coverage: Enjoy no-cost auto rental collision
damage waiver protection with a Liberty Savings Visa®
Card.
n Worldwide Acceptance: Your Liberty Savings Visa®
is
welcome at millions of establishments around the globe.
n Cash Advances: If you’re in a crunch, you can take a cash
advance on your entire line of credit at thousands of ATMs.
To learn more about making a low-interest balance transfer and everything our VISA®
Rewards Credit Card has offer,
visit your local Service Center, or call 201-659-3900 and select option 5. For more information visit www.LSFCU.org
If you haven’t already applied
and received your new
Platinum Rewards VISA,®
there’s never been a better
time to sign up and join.
Everyone is always looking for new ways
to save more money. That’s just what
Love My Credit Union Rewards is all about.
We’re very excited to offer you, our member-only exclusive discounts and benefits
on products and services you use every day. Credit union members have already
saved over $1 billion with Love My Credit Union Rewards discounts. So along with
lower loan rates and fewer fees, here’s another way you can save even more.
n Exclusive discounted pricing on most new Chevy, Buick, or GMC vehicles
with the Credit Union Member Discount from GM
n Save 10% on select regularly priced Sprint monthly service; businesses save
15% on select regularly priced Sprint monthly service. Plus, waived activation
and upgrade fees (up to $36 savings for each)
n Savings of up to 50% off other popular plans from Credit Union Auto Club
n Save up to $15 on TurboTax Federal tax products
n Save on services for your home from ADT, DIRECTV, Allied, and more
n Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take
advantage of, the more you save.
Start saving today at
LoveMyCreditUnion.org.
*No purchase necessary. Purchase does not increase your chances of winning. Open only to legal residents of
New Jersey who are located in the United States at the time of entry. Void elsewhere and where prohibited by law.
Eligibility limited to adults 18 years or older. View ww.LSFCU.org for full terms and conditions of contest.
For more information or to apply, call 201.659.3900
or stop by your local liberty Savings Service Center.
Valentine’s Day is just around the corner, and a Sweetheart
Loan from Liberty Savings can give you the purchasing
power you need to make this Valentine’s Day one to
remember! If you close on a Liberty Savings Sweetheart
Loan before February 28, 2015, we’ll give you a 1% APR
discount on your lowest qualifying loan rate.
How you use the money is up to you. A special gift, a big
night on the town, a getaway vacation, an engagement
ring—the only limit is your imagination, and you’ll have up
to 12 months to pay it back.
Let Liberty Savings love you back with
a limited time only Sweetheart Loan!
Apply for a Sweetheart Loan before February 28th
and you’ll be entered for a chance to win dinner and a movie!*
