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November 2021

Mortgage Loans

Loan Application

Skip-A-Payment

Sign-up for the Annual Holiday Skip-A-Payment Program before the close of business on November 19, and you'll have the opportunity to skip December's payment on a QOCU loan to help pay for holiday expenses.

The following loans are NOT eligible:

Home equity and credit card loans.
Loans financed after June 1, 2021.
Loans delinquent within the last 6 months.
Loans with a monthly payment of $100 or less.
Loans with collateral protection insurance.
Loans subject to an extension in 2021.
Loans with a balance of $500 or less.
Loans that participated in any other Skip-A-Pay.

Complete and submit the Holiday Skip-A-Payment Form before the close of business on 11/19/21.

Skip-A-Pay Application Form

Holiday Transaction Tips

Here are a few tips that will help you as you travel or make purchases this holiday season:

Be sure to notify the credit union of your holiday travel plans so that your out-of-state transactions are not declined.
If you have any trouble with your QOCU debit card during holiday travel or shopping season, please call 1-866-508-2693.
You may receive a call from Shazam regarding purchases if they don't match your normal spending habits. Shazam will NEVER ask you for sensitive information but rather verify recent transactions.

If you have any questions or concerns regarding these holiday transaction tips, please contact the credit union. Have a happy and safe holiday season!

Questions

Christmas Club Accounts

Christmas Club Funds were distributed today, Monday, November 1st!

If you don't have a Christmas Club Account, now is a perfect time to open one! If you save $50 for the next 12 months, you will have $600 saved for your 2022 holiday expenses. Please contact the credit union to open a Christmas Club Savings Account today!

No minimum balance to open
Money automatically transfers to regular savings 11/1 each year
$10 early withdrawal fee
Accounts automatically re-open each year with your 1st pay period in Nov.

Learn More

Fall Home Buying

Fall and even winter can be an ideal time for buyers to purchase a home.

Motivated Sellers: Once summer ends, sellers get more motivated. They usually lower their prices, and this provides an opportunity for you to get a better deal. In addition, many sellers want to avoid moving during the holiday season, which gives you more room to negotiate.

Fewer Buyers: There are fewer buyers during the fall and winter. People with children generally shop for a home during spring and summer because they want to be settled into a home before school starts.

MORTGAGE RATES ARE STILL LOW. If you need assistance buying or refinancing a home, please don’t hesitate to reach out to Dawn.

Learn More

Helping Those In Need

Join us this holiday season to help Families Helping Families collect their MOST NEEDED ITEMS - Socks and Underwear.

Families Helping Families is a nonprofit organization that offers several programs to help support foster families and children throughout Iowa and the Linn County area.

Members and non-members may donate NEW socks and underwear from size 2 toddler to teen adult sizes by bringing them to the credit union between now and the end of December. If you have any questions, please contact the credit union.

Thank you for your support!

Questions

Correct Contact Information

Keeping your information up to date at the credit union is very important. Correct information helps to ensure you receive important notifications, prevents unnecessary fees, and helps to prevent fraud.

Here are a few reasons you’ll want to keep your information up to date:

Reduce fraud: Correct contact information means fraud alerts will reach you, and other important documents won’t be mailed to an old address.
Avoid Unnecessary Fees: Correct contact information means you will receive important notices promptly.
Beneficiary Designation: It’s important to review and update your beneficiary information annually.
Forgotten Accounts: If you have money in an account that you completely forget about, there could be fees, or the funds could eventually be turned over to the state if you can’t be reached.