Fieldstone Times
Many Paths ... One Destination
May, 2015
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Can You Use an Extra $100?
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Fieldstone Credit Union members who refer someone to us for a vehicle (car, truck, van, motorcycle) loan of $5,000 or more can earn $100 for the referral! The loan disbursement must be between 5/11/2015 - 6/15/2015, and the person being referred must bring in an entry form at the time of loan application. The entry form is on the back of postcards that were mailed to most of our Illinois members, and is also on the back of stuffers that were sent with the April statements. If you misplaced these, ask us for another one. Or, just use the coupon at the bottom of this page.
There is no limit regarding how many $100 incentives you can earn. Eligible vehicle loans include loans to purchase a vehicle, loans to re-finance loans with other lenders, and loans using vehicles already owned outright as collateral on the new loan. Additional restrictions apply; for a copy of the official rules, call us or stop in.
Start earning extra cash. Refer your friends, family, and co-workers to us for a vehicle loan.
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Upcoming Holiday Closings
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Everything You Wanted to Know About Our ATM's But Were Afraid To Ask
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Q: How much can I withdraw per transaction?
A: At the ATM located in Fieldstone's drive-thru, the limit is $300 per transaction, subject to your balance and the card issuer's limit. At the ATM inside CSL Behring, there is no fixed transaction limit other than your balance and the card issuer's limit and balance.
Q: How much can I withdraw per day?
A: Up to $500 for Fieldstone debit and ATM cards. For other institution cards, it depends on your institution's card limits.
Q: Do the Fieldstone ATM's accept deposits?
A: They only process withdrawals and transfers. The expense for an ATM that accepts deposits is excessive since the deposits have to be picked up on a daily basis. We only utilize cash dispensing ATM's so that we maintain lower costs for you, our members..
Q: Are both ATM's no-surcharge machines?
A: The ATM at the Fieldstone drive-thru is a no-surcharge machine for everyone, regardless of what institution issued the card being used. The ATM at CSL Behring is a no-surcharge machine when a Fieldstone debit or ATM card is being used, but there is a $2 surcharge when a card is being used from a different institution.
Q: If the ATM at the credit union is a no-surcharge machine, why do I get a $1 fee when I use it?
A: A machine surcharge and a usage fee are two different things. A surcharge is the fee you pay for using a specific machine, imposed directly at the machine. The ATM at Fieldstone does not charge a fee directly at the machine, making it a no-surcharge ATM. Usage fees, such as our $1 ATM withdrawal fee, maintain the card program. When we say the ATM at Fieldstone is a no-surcharge ATM, it means a fee will not be imposed at the machine, at the time of the transaction. There is simply a $1 per withdrawal fee charged at the end of the month.
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60% Discount on Out-of-State Moves
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Benefits
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Out-of-State** |
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| Minimum 60% discount on out-of-state moves |
YES |
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| Allied's On-Time Pledge |
YES |
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| Complimentary pairs and sets coverage |
YES |
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| Double valuation protection of your household goods |
YES |
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| Enhanced transit times |
YES |
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| Expedited claims settlement |
YES |
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| No peak season capacity restrictions |
YES |
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| Free written estimates including Allied's total price guarantee |
YES |
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| Discounts for full-service moves and storage |
YES |
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| Expert crating services |
YES |
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| Expert packing and unpacking |
YES |
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| Full Replacement Valuation available |
YES |
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| Safe, secure storage |
YES |
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| Uniform certified personnel |
YES |
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How Allied Van Lines Credit Union Member Discount Works
- Go to http://www.lovemycreditunion.org/allied-van-lines-sign-up to receive your Allied Credit Union Member Discount or call Joan, an Allied Representative at 800-443-5154.
- You will first be directed to another screen to select your state, credit union and enter your last name to validate your credit union membership. Validating your credit union membership on this screen does not obligate you to book with Allied.
- Once your credit union membership is validated, you will be directed to the Allied's website to request a quote.
- An Allied representative will call you within 24 hours on business days or the next business day if you provide your information to them over the weekend. Receiving a quote does not obligate you to book with Allied.
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Fieldstone Credit Union - Out and About in the Community
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As the weather improves, we will soon become involved in community events. Here are the next three activities in which we will be out and about.
May 23 - Join us at the first pet adoption fair of the year, in support of
Kankakee County Animal Control & Adoption Center, from 11 a.m. - 2 p.m., at the Bradley
PetSmart. Come out and meet some dogs and cats; take home a new best friend!
June 13 - The Fieldstone Fighters will be participating in the
Relay for Life of Kankakee County at Bishop McNamara Catholic High School in Kankakee. Help us raise funds for the
American Cancer Society.
June 30 - The
2015 Fieldstone Summer Concert Series begins. Come out to Perry Farm in Bourbonnais to listen to a variety of music each Tuesday from June 30 - July 28, starting at 6 p.m.
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Basic Terms To Be Included in a Contract
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This is taken from an Illinois Attorney General brochure entitled, "Home Repair: Know Your Consumer Rights". To view the full brochure, go to http://www.illinoisattorneygeneral.gov/consumers/homerep0609bw.pdf or click the link.
1. Contractor's full name, address, and telephone number. Illinois requires that persons selling home repair and improvement service provide their customers with notice of any change to their business name or address that comes about prior to agreed dates for beginning or completing the work.
2. A description of the work to be performed.
3. Starting and estimated completion dates.
4. Total cost of work to be performed.
5. Schedule and method of payment, including down payment, subsequent payments, and final payment.
6. A provision stating the grounds for termination of the contract by either party. However, the homeowner must pay the contractor for work completed. If the contractor fails to commence or complete work within the contracted time period, the homeowner may cancel and be entitled to a refund of any down payment or other payments made towards the work upon written demand by certified mail.
Keep a copy of the signed contract in a safe place for reference as needed.
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Departmental Phone Extensions & Tips
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If you do not need to speak to a specific person, you will often have better luck dialing a departmental extension (since multiple phones will ring) rather than trying to reach multiple people one extension at a time. At the voice mail greeting, dial...
1 - real estate loans
2 - consumer loans and credit cards
5 - member service staff
If you need to talk to a specific person but do not know their extension, dial 6 for a list of individual extensions, or dial "#" and follow the prompts to enter the person's last name.
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Fieldstone Credit Union deposits are federally insured up to at least $250,000 by the NCUA,
a U.S. government agency.
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Earn $100 for Referring People for Vehicle Loans
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To earn $100, fill in your information below, and then pass this on to a friend, co-worker, neighbor, etc. When they fill in their information and turn it in at the time they apply for a vehicle loan, if the loan closes on or before June 15, you will get $100. Restrictions apply, call or stop in the credit union for official promotion rules.
Referring Member Name:
Referring Member Address:
Name of Loan Applicant:
Address of Loan Applicant:
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Offer expires:
06/15/2015 |
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