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and we love helping you save!
Your finances are important to us at NorthStar CU, and helping
you save money is what we love to do. Our Financial Service
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Representatives would love
to talk to you about how we can assist you with
your debt.
Start saving today! Call us
at 630-393-7201, ext. 213 or
click here to
apply for a vehicle and/or a
consolidation loan .
You're going to love saving money with us!
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Enter Your Email With Us For A
Chance To Win A GPS System!
It's easy to enter! Visit It's Me 247 Online
Banking. Click "My Personal Information" under
the "Preferences" tab - or submit your email
address to an NSCU staff member for entry.
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| One (1) Prize Winner will be selected on or about March 5, 2012 by a random drawing from all qualified entries
received by a participating credit union between January 1, 2012 and February 29, 2012. Eligible members can
enter the contest by entering their email address in It's Me 247 online banking. No purchase necessary. See your
credit union for complete details. Void where prohibited by law. Terms and Conditions may apply. Visit or call
your credit union for details. |
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What our members are
saying about NSCU...
Your team always comes through
for me whenever I need help! NorthStar
is the best group I know when it comes to
servicing the client.
Daniel I., Naperville, IL
Thank you for working with us to lower our credit card debt. NorthStar CU will be our
only financial institution going forward.
Patrick M., Naperville, IL |
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Holiday Closing:
President's Day,
Monday, February 20, 2012 |
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| > Immediate Steps to Take if You Are
A Victim of Identity Theft |
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- Contact the three major credit reporting
agencies--Experian
(1-888-EXPERIAN
(397-3742), Equifax (1-800-525-6285),
and TransUnion
(1-800-680-7289) -- and
request they place a fraud alert and a
victim's statement in your file. Also ask
that they remove inquiries and fraudulent
accounts opened after the theft. At the
same time, request a free copy of your
credit report. The Fair and Accurate Credit Transactions Act (FACT Act) of
2003 requires each major credit bureau to
provide one free credit report annually, phased in by region, to consumers who request a copy.
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- Contact your financial institution and have it flag your account so you
are notified if there is any unusual activity.
- File a criminal report with your local police.
- Report the theft to the Social Security Administration's Fraud Hotline.
- Alert the passport office to watch for someone ordering a passport in
your name.
- File a complaint with the Internet Fraud Complaint Center.
- Report the theft to the Federal Trade Commission. Your report helps
law enforcement officials across the country in their investigations.
Online: ftc.gov/idtheft
By phone: 1-877-ID-THEFT (438-4338)
By mail: Identity Theft Clearinghouse,
Federal Trade Commission, Washington, DC 20580
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| Bring Us Your Relatives
that aren't CU Members! |
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Everybody has one … and we'd like yours to
become a credit union member.
If you have family members without credit union accounts, let them
know they're eligible to join. They'll receive all the member benefits and
savings you already enjoy! PLUS you can get a $25 BP Gas Card!*
Refer as many people as you wish – there's no limit to the number of
referrals for which an existing member may qualify.
* To receive the gas card, the new member referred is required to open a
checking account with direct deposit or a loan account of $5,000 or more.
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Don't Miss the IRA
Contribution Deadline!
Don't miss the IRA contribution deadline! Make
sure you make your 2011 IRA contribution by
April 17, 2012.
If you've been contributing $50 or $100 to an
IRA each month, there's room to contribute a
lot more. Putting $600 or $1,200 in your IRA
annually is nice, but you can direct up to $5,000
into your IRA for the 2011 tax year (and as much
as $6,000 if you turned 50 in 2011).1
This $5,000 (or $6,000) annual IRA contribution
can be split across multiple IRAs, both traditional
and Roth. Your maximum contribution may be
reduced if your modified adjusted gross income,
or MAGI, is really high.1
As for your 2012 IRA contribution … you have
until April 15, 2013 to make it, but why wait?
You can also make it this year and cross it off
your to-do list. There's really no point in waiting
until April 2013 – if you wait that long, you'll
potentially lose 16+ months of interest and
compounding on that money.
Don't delay – e-mail me today so I can help
you fully fund your IRA. You may call me at
630.821.7265 or wmetcalf@swbc.com today!
Securities offered through SWBC Investment Services, LLC, and a
registered broker/dealer. Member FINRA & SIPC. Advisory services
offered through SWBC Investment Company, a Registered Investment
Advisor. SWBC Investment Services, LLC & SWBC Investment
Company is not affiliated with this institution. FUNDS SHOULD
NOT BE CONSIDERED A DEPOSIT OF OR GUARANTEED BY
THIS INSTITUTION, MAY LOSE VALUE, AND ARE NOT NCUSIF
INSURED. | Neither SWBC Investment Services, LLC nor NorthStar
Credit Union nor William Metcalf provide tax advice. Please consult
your tax professional for tax advice. A consultation is free, but a cost may
apply to investment. These are the views of Peter Montoya, Inc., not the
named Representative or Broker/Dealer, and should not be construed as
investment advice. Neither the named Representative or Broker/Dealer
give tax or legal advice. All information is believed to be from reliable
sources; however, we make no representation as to its completeness or
accuracy. Please consult your Financial Advisor for further information.
1 www.irs.gov/retirement/participant/
article/0,,id=188232,00.html
[10/21/11] |
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| Low Rates You're Going to Love!Call us today 630-393-7201, ext. 213 for current rates. |
Vehicle Loans
New/Used Autos, Boats,
RVs, Motorcycles
100% Financing is available on all auto loans.
Variable Rate
Home Equity Lines of Credit
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Fixed Rate
Home Equity Loans
Personal Unsecured Loans
and VISA Credit Card
VISA Gold, Platinum, Business, and
Student
cards available. Travel and
Reward benefits;
call 800.558.3424 for rates. |
Small Business Loans
Programs tailored to the needs of
your business.
CONTACT BERNIE NIEWOEHNER AT
630.393.7201 EXT. 151.
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