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LeafLeaf
Fall is Fabulous at the
Ark Valley Credit Union
4 Great Reasons to be a Credit Union Member
LeafLeaf
LeafHome Equity Loans
For a limited time- Lock in a FIXED RATE of 6.50%
LeafAuto Loan Refinancing
Now through Oct. 31, members that refinance vehicle loans from  FREE another institution will receive a $100 GAS CARD
LeafNo Charge Checking Accounts
With min. bal of $100. Plus earn .25% on min bal of $1000.00!
  LeafRefer a Friend
Members can refer a friend for membership at the Winfield Office and both will be entered in a drawing for $250 on Dec. 15th

EQUAL HOUSING LENDERArk Valley Credit Union News
A Community Credit Union serving Cowley, Sumner, Elk, Butler, & Chautauqua Counties
1501 N. Summit Arkansas City, KS  -  118 W. 9th, Winfield, KS
620-442-8210 - 800-856-1934 - 620-229-8338 - October 2008

“Credit Unions: Together We’re Better”
Celebrate CREDIT UNION DAY with us on Thursday, Oct.16, 2008. We will have refreshments and door prizes both Credit Union offices. This day is set aside each year to reflect on the positive role credit unions play in bringing people together so that they can achieve financial security for themselves and their communities. As we celebrate, it’s a chance to say thank you to our valued member/owners for your participation in the credit union, because………….. “Together We’re Better.”
Christmas Club Checks Will Not Be Mailed
Christmas Club Account balances will be deposited to your savings account this year at on November 1st, instead of being mailed to you, as has been done in the past. Please check your account on this date. This is less expense for the Credit Union, prevents the check from getting lost in the mail, and can be accessed with your debit card. You also have the ability to transfer the funds to your checking account at the Credit Union (if you don’t have one, now is the time to open one) Happy shopping!

HammerNew Building Update
We are awaiting final construction bids, and final permits from the State and City. This has taken longer than anticipated, since our present location and the adjacent lots are located in the flood plain.
Are You a Total Wreck? We Can Help!
We now have insurance available that will pay off your vehicle loan, if you total it in a wreck, and will give you $1000.00 towards a down payment on another vehicle, and the cost is only $168.00 for the term of the loan.

Kindness is like snow - - it beautifies everything it covers.
Laughing does help.  It’s like jogging on the inside.

HalloweenFall Festival
Join us Sat. Oct. 18th in the parking lot at the Winfield office for our Fall Festival of Fun. There will girl”, be free hotdogs and pop, games, prizes, and the famous ”Moonwalk”. Bring a friend to join the Credit Union and win a prize. The fun will begin at 1:00 PM until 3:00 PM

BACK TO SCHOOL WINNERS
Club Oz members, Danielle Meyer and Colton Perkins were winners in the drawing for a backpack filled with school supplies and $25 cash. They used their Wizard Dollars to enter the drawing.

SAVINGS RATES
Regular Shares*, Christmas Club,
& Club OZ......................1.26% APY
IRA Accounts................ 4.06% APY
*(A min bal of $250 is required to earn a dividend.
Dividend paid on average daily balance.)
**(Available to children under age 13)

LOAN RATES
New Auto 5.25 % 60 mo
Used Auto   7.00%   48 mo
Used Auto   8.50%   36 mo

STAFF NEWS
If you’ve missed Jessicah Dunn when you’ve been in the Ark City office lately, it’s because she just had a “baby Taylen Renee, on Sept. 12th. Jessicah will not be coming back to work, but Angie Czaplinski has returned to work full time in her place. Another smiling face will be missed at the Winfield office-- Anne Collins will be moving out of state, and has been replaced by Kathy Spoon. We welcome Kathy to our staff.

CERTIFICATE RATES
3.02% APY 6 Mo Term $ 500 Min
3.15% APY   12 Mo Term   $1,000 Min
3.20% APY   24 Mo Term   $10,000 Min
3.25% APY   36 Mo Term   $10,000 Min

Repossessed Vehicles For Sale
2005 Chevrolet Impala
1998 Jeep Cherokee
1998 Dodge Pickup

Special Rate “HOLIDAY LOANS” Available Nov. 1st

With the holidays right around the corner, we realize that many of our members may be “caught short" of funds. If you have big plans for this holiday season, but don’t think you can pull it off financially, we’re here to help you with a special 8% APR Holiday Loan. The maximum loan is $3,000.00, no collateral is required, and since it is for a 12 month term, the loan will be paid off in time for your holiday shopping again next year.

Your Credit Union: It’s a Family Affair

You love your Credit Union, right? Why not “pass it on?” As a member of the credit union, one of your membership benefits is the ability to share your credit union with your family members. That’s right: Your spouse, parents, grandparents, siblings, children and grandchildren are also eligible to join the credit union. Spread the word about your credit union’s low loan rates and higher savings rates, not to mention fewer fees and award-winning personal service. Help improve your family’s financial lives today— encourage them to become members of your credit union. (Don’t forget that drawing for $250 cash at the Winfield office) Remember, at your credit union, we treat our members like they own the place, because they do.


DAYLIGHT SAVINGS TIME
Ends Sunday November 2, 2008 Set clocks back one hour!
WE WILL BE CLOSED
Columbus Day – October 13, 2008 Veteran’s Day – November 11, 2008
DON’T FORGET TO VOTE!
November 4, 2008 A NEW PRESIDENT!
Copyright 2006 Ark Valley Credit Union | info@arkvalleycu.org