STCU
has Two Red Hot Loans
to Spice Up Your Summer!
#1: AUTO LOAN*
St. Thomas Credit Union and Enterprise Auto Sales are teaming up to
offer our members a fantastic deal on an Enterprise “Perfect Used Car
Package.” (How perfect can it be?)
STCU welcomes Enterprise August 10th!
Representatives from Enterprise Car Sales (and a credit union loan
officer) will be in the Hospital Conference Room A, on August 10th from
11a.m. - 3 p.m. for a “Red Hot Promotion!” Stop by for information
and enjoy chips and salsa on us! (Take home a spicy gift!)
Special 7.75%APR* Auto Loans (Aug. 10th & 11th) for pre-approved
members!
For two days only, STCU will be offering Used Auto Loans at just 7.75%
APR*.
(You
must be pre-approved for this low rate, so fill out your loan
application right away!)
Special Note:
If you recently financed a new vehicle elsewhere at a higher rate,
you’re in amazing luck! On August 10th and 11th, we invite you to
refinance that loan at STCU at just 7.75% APR*.
#2: VACATION LOAN*
Now through September 15, 2000, we invite you to apply for a
low-interest STCU Vacation Loan. Borrow up to $2,500 for up to 12 months
with rates starting at just 10% APR*.
*Must have approved credit.
VISA
Eliminates Cardholder Liability Rule
 Effective
April 4, 2000, VISA changed the $50 consumer liability rule to $0 and
eliminated the 48-hour time frame to report lost or stolen cards.
The new liability policy applies to all consumer card use, including
transactions performed on the Internet.
This new rule applies to all STCU VISA card products, including credit,
debit, and transactions that take place on the Visa system.
Now — your STCU-issued VISA card is even more appealing! Be watching
for ad campaigns designed to boost consumer awareness of the added
protection VISA cards now offer.
Virtual Credit Union
It’s lunchtime. You were headed to the credit union; now it’s raining cats
and dogs! Why not visit STCU without even leaving your seat?
No...this is not the Twilight Zone. It’s the New Millennium, and the Y2K way is quick and easy! Visit us round-the-clock on our
website www.stthomascu.com (or .org) ...or call 242-STAT.
- Our site can answer most of your questions about services,
loans, and
rates.
- You can order checks online, even pick a new design if you wish! (For
safety’s sake, address changes must be made at the credit union.)
- You can access Membership and
Loan applications! (Just fill yours out...then fax or mail it to the STCU office!)
- You can browse...and shop! Our links to Gold Key and Enterprise will reveal some excellent auto values! Click our link to
cushopper.com, for name
brand products (for members only!) — and special vacation packages!
- The STCU website is now available from the St. Thomas Hospital’s Carenet
(intranet) site!
242-STAT
Stat-Line Update:
Remember
—
Stat-line is your 24-hour touch-tone teller. Access info. in your accounts, transfer funds, and
more! Just call 242-STAT, have you account number and password ready, and
follow the simple menu!
New
—
Now, when you call STAT-line, can get
information on your last 15 checks to clear the credit union.
To check your debit card transactions --
Use transaction code #62, then select Option #4.
Still Down to
Earth
On those occasions when you really do need to make the trip to the credit
union, you’ll find Manager Mary Coleman and the staff right here in the
Imperial House, manning the ship*! Their smiles will be a friendly reminder that the caring, friendly spirit of “people helping people” remains
alive and well — even in the new millennium!
*Office hours are Mon. - Fri. 7:30 a.m. - 4 p.m.; Wed. 8:30 a.m. - 4 p.m.)
Now
Available to STCU Credit Card Holders - www.myccinfo.com
Just go to this site, type in your identifying information, and get online
information and help! This site lets you access:
- Current account information such as your account balance, available credit, credit limit and cash advance limit.
- Payment information such as the amount and date your minimum payment is
due...or when your last payment was received.
- A list of up to 10 of your most recent transactions that have posted
since your last statement.
- Information such as: payment address, dispute instructions and customer
care information!
New Millennium efficiency strikes again!
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To
Our VISA Card and
DEBIT Card Users: Who’s holding onto your balance?
It has become frequent practice for hotels and rental car companies to
put a temporary "hold" on a "worst case scenario" portion of your credit or
debit card funds. For your own information, why not ask them how much they'll
be "holding" until you return the car (or check out of your room) and pay
your actual bill.
Example #1: You're renting a car for $39 a day for vacation. You give the
rental car company your card number. Immediately, they place a hold on $400 of your available funds.
Example #2:
You give your card number to make your hotel reservations for
a week. Most likely, the hotel will immediately place a hold on your balance
for the full price of a week's stay. (Even if you are planning to pay your
bill with traveler's checks at the end of your stay, that amount being "held"
on your credit or debit card account will not be available to you until
check-out time comes and you pay your actual bill.
Forewarned is forearmed! Be mindful not to overspend on the account on
which these funds are "being held."
The Enterprise Perfect Used Car Package
One-Price System.
A fair, competitive price is clearly displayed on every
Enterprise vehicle.
Vehicle Certification.
The special seal of approval displayed on every Enterprise vehicle is your
assurance that the car, truck or van you're considering has been rigorously inspected
and Enterprise-Certified for "haggle-free buying and worry-free
ownership."
Trade-ins.
Your trade in is gladly accepted.
7-Day Repurchase Policy. Enterprise gives you up to seven days or 1,000 miles
to change your mind about your purchase. In the unlikely event you do,
Enterprise will repurchase your vehicle for the exact amount you paid (minus
a documentation and cleaning fee.)
Limited Warranty.
Enterprise proudly backs every vehicle with a FREE 12-month/12,000 mile
limited warranty.
If you wish, you also may
purchase an extended service agreement (up to 72 months/100,000 miles) for
most
vehicles.
One Year Free
Roadside Assistance.
Even if the unexpected happens, you're covered by Enterprise roadside
Assistance for one full year, FREE!
Member in the
News
This issue of Money Doctor is proud to salute credit union member
Mary Crow! Mary is an excellent photographer. Last year, she traveled to Italy, taking
full advantage of the country's "photo opportunities." Now...(lucky us), a
collection of her works entitled "Giro di Italia" (Tour of Italy) is on
display through July 31st at Chromatics, 625 Fogg Street., Monday - Friday,
7:30 am - 6 pm.
In the past, we've been pleased to display samples of Mary's photography in
the STCU office. (Some may remember her "beach" scenes of sand and surf.)
Now, we're pleased to have acquired some new ones for our lobby. Next time
you're in our office, you can enjoy our smaller, but just as delightful "Giro
di Italia."
Way to go Mary! Keep up the excellent work!
Don't
Forget
Dr. Cash!
Remember, your
Dr. Cash ATM machine is located on the first floor of the hospital, across from the Family Waiting Area! Visit him soon! He's ready
when you are!
TCU Founder Dies
Mr. Robert Kelly, former purchasing director of Saint Thomas Hospital and one
of the first credit union members, died on June 5, 2000, at the age of 87.
Mr. Kelly was responsible for having the credit union chartered with the State of Tennessee in September of 1959. He served on the credit union board
of directors as treasurer until his retirement
MONEY
DOCTOR
(Copyright July, 2000, LNDSHRK
Comm.)
is a free quarterly
newsletter to members of:
St. Thomas Hospital
Employees Credit Union
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