Chicago Sun-Times Employees Credit Union
CHICAGO SUN-TIMES EMPLOYEES CREDIT UNION
350 N. ORLEANS, 9 NORTH
CHICAGO, IL. 60654
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THE CHICAGO SUN-TIMES EMPLOYEES CREDIT UNION IS A STATE CHARTERED CREDIT UNION REGULATED BY THE ILLINOIS DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION. THE CREDIT UNION IS OWNED AND DIRECTED BY ITS MEMBERS. OUR CREDIT UNION WAS ORGANIZED AND CHARTERED ON JANUARY 4, 1945.
OUR MISSION IS TO PROMOTE THRIFT AMONG OUR MEMBERS AND CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST. A CREDIT UNION IS A NOT-FOR -PROFIT INSTITUTION.
ACCOUNTS AT THE CHICAGO SUN-TIMES EMPLOYEES CREDIT UNION ARE INSURED UP TO $100,000.00 THROUGH THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA), AN AGENCY OF THE FEDERAL GOVERNMENT.
OUR CREDIT UNION IS OPEN FOR MEMBERSHIP TO:
FULL TIME EMPLOYEES OF THE CHICAGO SUN-TIMES COMPANY, HOLLINGER, INC. AND MEMBERS OF THEIR IMMEDIATE FAMILIES OVER THE AGE OF 18.
IT'S EASY TO BECOME A MEMBER OF OUR CREDIT UNION. JUST COMPLETE OUR MEMBERSHIP CARD AND DEPOSIT $25.00 INTO YOUR SHARE ACCOUNT.
WHEN YOU JOIN YOU BECOME AN OWNER FOR LIFE. THAT MEANS YOU'LL ALWAYS ENJOY THE BENEFITS OF MEMBERSHIP. EVEN IF YOU MOVE, CHANGE JOBS OR RETIRE.
| DIVIDEND RATES |
ANNUAL PERCENTAGE YIELD |
DEPOSIT BALANCES REQUIRED TO EARN RATE |
| 0.40% | 0.40% | $25.00 TO $ 5,000.00 |
| 0.50% | 0.50% | $5,000.01 TO $10,000.00 |
| 1.00% | 1.00% | $10,000.01 TO $25,000.00 |
DIVIDEND RATES AND A.P.Y. ARE SUBJECT TO CHANGE DURING ANY QUARTER AT THE DISCRETION OF THE BOARD OF DIRECTORS.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your drivers license or other identifying documents.
CURRENT LOAN RATES - 6/1/06
NEW OR USED CAR PURCHASE - 2006 & 2005 CAR MODELS ONLY
5.25% APR - 3 YEARS
5.75% APR - 4 YEARS
6.25% APR - 5 YEARS
7.25% APR - 6 YEARS (OVER $20,000.00)
2004, 2003, 2002 MODELS
6.65% APR - 3 YEARS
7.25% APR - 4 YEARS
7.50% APR - 5 YEARS
2001, 2000, 1999, 1998 (WHILE IN NADA BOOK)
8.75% APR - 3 YEARS
9.0% APR - 4 YEARS
AUTO LOANS COMBINED WITH SIGNATURE VALUE WILL INCREASE RATE BY 1.00%
NEW MOTORCYCLE - 8.75% APR (UP TO 4 YEARS)
SHARE SECURED LOANS - 4.50% APR (UP TO 3 YEARS)
ALL OTHER SECURED LOANS - 8.75% (UP TO 3 YEARS); 12.50% (UP TO 4 YEARS)
SIGNATURE LOANS - 10.50% APR (UP TO 3 YEARS); 14.00% APR (UP TO 4 YEARS)
FOR QUALIFYING MEMBERS. RATES AND TERMS SUBJECT TO CHANGE.
Fee schedule
This fee schedule for all accounts sets forth certain fees and changes applicable to regular share accounts as of April 1, 2005. This schedule is in part of your agreement with your Credit Union. You will be notified of changes to these.
Returned check - $25.00
Stop payment fee - $25.00
Photocopy of check - $3.00
Copy Statement - $3.00
Dormant Account fee, 1 year with no activity - $10.00 per quarter
Loan Late charge after 10 days late - $15.00
Excessive withdrawal fee after 3 free share withdrawals - $5.00
Notary Fee Non-members only - $1.00
CHICAGO SUN-TIMES EMPLOYEES CREDIT UNION
STOP IN AND SEE US AT OUR NEW LOCATION:
350 N. ORLEANS, 9 NORTH
CHICAGO, IL 60654 OR CALL US
AT 312-321-2680 FOR ALL OF OUR
GREAT LOAN RATES!