April 2025

Special Mortgage Rates!

30 Year Fixed: 5.50% / 5.609% APR*

15 Year Fixed: 4.99% / 5.173% APR*

We offer a 30 year fixed rate at 5.50% / 5.609% APR* and a 15 year fixed rate mortgage at 4.99% / 5.173% APR*. Mortgage rates have gone up, but you can take advantage of lower interest rates with our special mortgage products. Contact us today to learn more!

Why get a mortgage with us?

• Take advantage of our competitive fixed rate mortgages and save!
• Purchase and Refinance Options
• Competitive Rates and Closing Costs
• Full Team of Mortgage Experts
• Streamlined Mortgage Application

*Available on all purchase and refinance applications, in the State of Indiana only, for a primary residence using a conforming conventional loan portfolio product with REGIONAL Federal Credit Union. Not eligible on multi-unit properties, condos, townhomes, or manufactured houses. The Conventional Rate/APR examples assume 20% cash down payment required by the borrower with 80% financing on a purchase with a loan amount of $180,000. 30-year conventional Rate/APR based on 360 monthly principal & interest payments of $1,022.02. 15-year Conventional Rate/APR based on 240 monthly principal & interest payments of $1,422.49. Monthly payments reflect principal & interest only, they do not include taxes, insurance, or Private Mortgage Insurance (PMI). Loan example numbers are accurate as of 3/13/2025.This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC is a partner of REGIONAL Federal Credit Union. Jeremy Britt, NMLS #1037337, is authorized to act as agent of REGIONAL Federal Credit Union (7144 Kennedy Ave., Hammond, IN 46323 | (219) 548.6800 | NMLS ID: 414873) and is authorized to represent Member First Mortgage, LLC, is a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538.1818 | NMLS ID: 149532). For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Refer-a-Friend, Get $50

Don't Keep a Good Thing to Yourself!

Do you love the great features and benefits of your REGIONAL account? Do you want everyone to experience the REGIONAL difference, and find out why REGIONAL is your first choice of financial institution?

Would you like to earn $50* for every new member you refer?

There are two ways to spread the word. Stop by any REGIONAL location and ask for a Refer-a-Friend card, or refer friend online at the link below.

Refer anyone you think might benefit from REGIONAL's commitment to our members, our great rates, and our five-star service. Thanks!

*Promotion subject to change without notice. Money will be credited to current member account on April 30, 2025. Current member must have an account in good standing and must have not previously caused a loss to REGIONAL. New deposit accounts and loans are subject to approval. “Refer-a-Friend” bonus will be credited to referring member’s savings account after new member’s savings and checking account has been opened or after member’s savings account and VISA credit card has been opened.

2025 Annual Meeting

REGIONAL federal credit union's 64th Annual Meeting is coming soon. Be sure to save the date!

Date: Wednesday, April 23, 2025

Location: REGIONAL, 10909 Randolph St., Winfield, IN 46307

Time:

Doors open at 4:30 p.m.

Drawings start at 5:00 p.m.

Annual Meeting starts at 5:25 p.m.

Directors up for election this year are Joan McInerney and Carol Rusich.

Monthly Financial Tips

What Do Taxes Do?

There are many different types of taxes that help fund various services and programs in our communities. Here are the most common ones, and some information on who collects them and what they are used for:

Income Taxes: Taxes you pay on the money you earn from a job, business or investments. Collected by the federal and most state governments.

Payroll Taxes: Taken out from your paycheck by the federal government to fund Social Security and Medicare, which provides retirement and healthcare benefits for older Americans.

Sales Tax: A percentage of the purchase price when you buy a good or services. Collected by state and local governments and used for infrastructure, education and transportation.

Property Taxes: Taxes on any home or property you own. Based on the value of the property. Collected by local governments to fund local services like schools and public safety.

Estate & Inheritance Taxes: Taxes collected on the assets from someone who passes away and leaves behind money or property. Collected by Federal or State governments.

Excise Tax: Taxes on specific goods like gasoline, tobacco, and alcohol, included in the price of the product.

Toll Taxes: When you use certain roads, bridges, or tunnels, you pay a Toll Tax. Collected by State & local governments to help pay for maintenance and construction of transportation infrastructure.