Diana Fisher

Understanding Credit Score Ratings & Ranges

April 5, 2021 by Diana Fisher

Your credit score is a vital part of your financial history. Lenders and other organizations use it to understand how much of a risk you are regarding financial matters and repaying your debts. Understanding how your credit score is made up and the typical ranges and ratings can help you gain insight into your creditworthiness and allow you to make improvements.

Your credit score comes from several distinct but related areas that make up your credit history. These areas are combined to calculate your overall score.

MEMBERS Financial Services March Virtual Seminars

March 8, 2021 by Diana Fisher

Income for Life: Guaranteeing retirement income to last a lifetime – March 30th at 6:00pm CST

Reserve your virtual seat (Link to WebEx registration)

You have retirement goals and plans for your future. Without a regular paycheck to count on, achieving a steady stream of retirement income will be an important part of the road ahead. Will Social Security be enough? What about your 401(k)?

Here’s an opportunity to attend a valuable virtual seminar on this important topic, at no cost and no obligation.

Join us for a virtual session that can help you set your financial direction and answer more of your questions:

What sources of retirement income will you rely on?
What retirement risks do you face now that you’re drawing on their savings?
Which income strategies should you consider?
How can you use annuities to guarantee income for life?

Space is limited so please make your reservations today. If you have questions, contact Donald Harper at 713.244.1260 with any questions about the seminar, or by email at donald.harper@cunamutual.com.

This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are based on the claims-paying ability of the issuer. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers. Asset allocation and diversification do not guarantee a profit or prevent a loss. See your prospectus for details about your investment options and refer to the fund prospectus for information on specific investment objectives. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

0% Visa Balance Transfer Offer

February 4, 2021 by Diana Fisher

0% apr* Balance Transfer Offer

Save Money with a MSCU Visa

Do you have balances on high rate credit cards or other loans? Now is the time to move them over to a MemberSource Visa®. MemberSource CU is offering new and existing cardholders a great opportunity to save money with a balance transfer offer at 0% apr*. Then, keep that 0% rate all the way through your December 2021 statement. Complete the Balance Transfer Request Form to be eligible for this special rate. If you don’t currently have a MSCU Visa apply online now.

*APR is Annual Percentage Rate and certain credit criteria applies. Standard rates: Platinum – 8.99%, Gold – 12.90% and Classic – 13.90%. Minimum payment is 2% of balance or $25, whichever is more. Balance transfers cannot be made to pay off MSCU accounts. **A 2% balance transfer fee will be assessed at time transfer is made. Must complete a Balance Transfer Request Form. Online transfers will no qualify for this special rate and offer. See form or credit union representative for details.

AMENDMENT TO CREDIT CARD AGREEMENT

This is a special offer of 0% APR on balance transfers that post to your account from February 1, 2021 to May 31, 2021. Your rate on these transactions will remain the same through your December 2021 statement end date, then it will revert back to the non-variable rate in your Credit Agreement. However, if your account becomes two (2) consecutive payments past due, this special APR will end on the last day of the billing period that included the due date of the late payment. Thereafter, the rate in your Credit Agreement will apply to the unpaid balance. PURCHASES, ONLINE TRANSFERS OR CASH ADVANCES DO NOT QUALIFY FOR THIS SPECIAL OFFER. Transfers must be made on Balance Transfer Request Form. We will allocate your payments to pay off the higher APR balances first.

Don’t Be A Victim of Fraud

January 19, 2021 by Diana Fisher

Don’t allow yourself to become a victim of fraud. Here are some guidelines to be aware of.

No one at MemberSource Credit Union will ever ask you for your PIN or password. Never give this secure information to a business.
Be extremely wary of unsolicited calls. If you did not make a call to a business, never allow them access to your computer or log in information – including apps on your phone. And, never give them your personal information such as your SSN.
Reputable companies or agencies will not ask you to make payment in the form of gift cards. The IRS does not accept this form of payment and will never contact you for payment by phone.
Never make a deposit into your account from a person or company with which you do not have legitimate business. You are not “hired” by a company simply because they give you a check and ask you to deposit it, keep a portion and send the rest to them. When that deposit is returned because it is fraudulent, you will be responsible for the funds.

Use extreme caution when receiving any phone call with a business that contacts you directly. When you grant an individual or business remote access to your log in credentials or other secure information, they can get into your financial accounts and you may be helpless to stop them.

Enterprise December Trade In Offer

December 1, 2020 by Diana Fisher

Goodbye, 2020. Hello, upgrade

December 1, 2020 – January 3, 2021 offer – Find out more!

Take advantage of this great Trade-in offer1, upon used vehicle purchase from Enterprise Car Sales

Apply for pre-approval with MemberSource CU anytime.

1: We provide a fair and competitive offer for your vehicle. Trade-in Value is based on vehicle condition and mileage. Valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Cal Sales at 20% of the vehicle’s base value. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. See an Enterprise Car Sales Manager for details. Offer valid from 12/1/20 – 1/3/21. This offer cannot be combined with any other offer.

Used vehicles were previously part of the Enterprise rental fleet &/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.

Photo for illustration only. The “e” logo, Enterprise & “Enterprise makes it easy.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. Copyright 2020 Enterprise Car Sales

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