Limited-Time Offer: Low $149 Closing Costs for Refinanced 10- or 15-Year Fixed Rate First Mortgage

For a limited time only, ETFCU is offering a mortgage loan program with closing costs of only $149 when you transfer a first mortgage to the credit union for a 10- or 15-year term.

Current rates:

• 10-year rate: 3.500% 3.531% APR
• 15-year rate: 3.750% 3.772% APR

For more information or to apply, contact our Real Estate Lending Department at (812) 469-9928 or 1-800-800-9271. You can also apply online at Online Mortgage Center.

*Actual interest rate may vary based on loan amount, purpose, down payment, and credit history. Rates, terms, and conditions are effective as of 2/3/2012 and are subject to change daily. Based on a $100,000 loan on a 180 month term, monthly payments at 3.750% with a $149 fee would be $727.37 per month and a 3.775% APR. The rate cannot be locked until application approval. Property insurance required. Exclusively available on first mortgage refinance transactions with 80% maximum loan to value. Equal Housing Lender.




Updated ETFCU Website Coming Soon

ETFCU will be unveiling a new website soon! The updated site will combine a new look with familiar navigation—plus several key updates, such as a search engine and easier access to online banking.




Receive 10% Off TurboTax® When You Order Through ETFCU Website

Get your biggest tax refund possible—guaranteed—with TurboTax®. And as a member of ETFCU, you can now save 10 percent! This offer is valid on all versions, including State editions, when you order through the credit union’s website.  Learn more or get started today by clicking here.





Auto Loan Rates As Low As 2.95% APR Make Now the Perfect Time to Buy or Refinance A Vehicle

Now is the time to buy a new vehicle—with financing from Evansville Teachers Federal Credit Union. Rates for new vehicles model year 2009 and newer are now as low as 2.95% APR! You can also take advantage of our great rates by refinancing your auto loan from another financial institution.

You can find complete rate information or apply online or by calling our call center at (812) 469-9920 or 1-800-800-9271.




Consolidate Your High-Interest Holiday Debt and Save!

Did holiday shopping with your department store credit card leave you with high-interest debt? Consolidate and save with a personal loan from ETFCU. For a limited time, we’re offering a special rate as low as 7.75% APR.

Apply today online or by calling our call center at (812) 469-9920 or 1-800-800-9271.

Monthly payments at 7.75% APR are $36.78 per $1000 borrowed for 30 months. A minimum of $1000 in new money is required to obtain this rate. Certain restrictions apply.




Transfer Your Loan to ETFCU and Receive a $100 Cash-Back Bonus

Evansville Teachers Federal Credit Union is now offering our popular $100 Cash-Back Bonus* when you transfer your auto, motorcycle, boat, or RV loan of $5,000 or more to ETFCU!

You’ll also enjoy the following benefits of a consumer loan at ETFCU:

• Low loan rates that can save you hundreds of dollars in finance charges.
• No application fees.
• Our online payment center offers several easy ways to make your loan payment online—whether from your ETFCU account or an account at another financial institution.

ETFCU’s $100 Cash-Back Bonus is available through March 31, 2012. Apply online today. For more details, contact our call center at (812) 469-9930 or 1-800-800-9271.

*This offer is available to qualified borrowers only and is not applicable to loans already established at ETFCU. $100 will be deposited into your regular share account established under the same member number as your loan 30 days after loan closing. Loans that are paid off within 30 days of opening will not qualify.




Gold Value Books Now Available

ETFCU is now selling the popular Gold Value Books at all offices except our Vincennes and Owensboro locations. The 2012 edition of the book sells for $12.




President Obama Announces Plan to Help Federal Student Loan Borrowers; Plan Would Not Impact Private Student Loans

President Obama recently announced a plan to help student loan borrowers. The plan announced by the President will affect those borrowers who have federal student loans. This plan does not impact the private student loans offered by Evansville Teachers Federal Credit Union.

The President’s plan includes two key provisions aimed at lowering monthly student loan payments for federal student loan borrowers:

1. Students with both Federal Family Education Loans (FFEL) and Direct Loans will be offered an incentive to consolidate their Federal loans into the Direct Loan program. Students would be able to receive up to a 0.5 percent reduction to the interest rate on some of their loans. Students would be able to do this beginning January 1, 2012 and through June 30, 2012. The Administration has referred to this initiative as a "special" consolidation where students will be able to keep the terms and conditions of their initial loans.
   
   
2. More generous income-based repayment (IBR) terms will be fast-tracked to become effective in 2012 instead of 2014. In 2010, Congress passed changes to the IBR program to limit monthly payments to 10% of discretionary income (down from the current 15%) and forgiving remaining debt after 20 years (down from the current 25 years). The Obama administration hopes to implement these changes, deemed  the "Pay As You Earn" plan, two years ahead of schedule, beginning in 2012. The Pay As You Earn plan would not override the current IBR program, but would instead operate separately, though very similarly.

For additional information, please view this White House Fact Sheet.

At Evansville Teachers Federal Credit Union, we are adamant that students should always exhaust federal student loans before borrowing via a private student loan. Federal student loans have low interest rates and the most consumer-friendly repayment options, such as income-based repayment. The plan announced by the President is meant to make college more affordable and to make it even easier for students to repay their federal student loans, a positive step during these challenging economic times.

Should you need further assistance in paying for college beyond what is offered federally, ETFCU can help. Click here to learn more about ETFCU's student loan program.





New Certificate Terms Available for a Limited Time

For a limited time only, you have the opportunity to earn a higher rate on an ETFCU share or IRA certificate when you invest a minimum $1,000 in a six-year or seven-year term certificate. These certificates are nonrenewable, federally insured, and feature fixed rates with monthly compounding. Certain restrictions may apply. Click here for current rates.

For more information and current rates, contact the Investments Department at (812) 477-9271 or 1-800-800-9271, Ext. 1284.




Protect Yourself with IdentitySecure^SM

What is your plan if someone steals your identity? Enjoy the security and peace of mind of IdentitySecure's comprehensive identity protection. Start your protection today and receive the first month for $1. Thereafter, the monthly fee is only $9.95.

IdentitySecure provides the advanced protection of fraud alerts and more, so you can lock down your identity and maintain control of your life. Click the graphic below to learn more.

Sprint Offers Discount to Credit Union Members Looking for a better deal on cell phone service? ETFCU has partnered with Sprint to bring our members major
savings through the Sprint Credit Union Member Discount Plan. Click here for full details.

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Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.