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It’s the “gift” that keeps on giving!            

Reminder about Paper Savings Bonds! The familiar paper U.S. Savings Bond will soon be a thing of the past. The bonds will become paperless after December 31, 2011, available only online through the U.S. Department of the Treasury secure website at www.treasurydirect.gov. Existing paper bonds are still valid, and will earn interest for 30 years from the issue date, or until redeemed. You can continue to cash your savings bonds here at TACU.

TACU Holiday Schedule TACU will be closed on the following dates. Monday, December 26 (in observance of Christmas) Closed all day Monday, January 2 (in observance of New Year’s Day) Closed all day TACU WILL be open on Christmas Eve (Saturday, Dec. 24) until 12:30 pm.

NOVEMBER EMPLOYEE ANNIVERSARY John Laufenberg President & CEO 38 years

SHOPPING TIP

When getting ready for Christmas, shop from a list to avoid impulse purchases that could leave you in debt at the end of the season.

940 North Superior Avenue  PO Box 940 Tomah, WI 54660 Phone: 608.372.4736 Fax: 608.372.4394 www.tacuonline.com

KEEP COLLECTING! TACU is collecting hats, mittens, and scarves through Dec 15. Donations will benefit needy children in the area.


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Smart Holiday Shopping Takes Planning and Control You say it every year after the holidays: "Next year I'm going to spend less money." It's easy to get carried away. It can be just as easy to stay financially fit, even during the busiest shopping season of the year. The Credit Union National Association, the trade association for credit unions, and the Consumer Federation of America, Washington, D.C., suggest these holiday spending tips: 1. Budget your spending and set goals: Start with a realistic idea of how much you can spend on holiday gifts, food, travel, and so on. Add it up and really give some thought to what you can afford. Think about where you might cut back and stick to your budget. 2. Make a list: Shop from a list to avoid impulse purchases that could leave you snowed under in debt at the end of the season. 3. Comparison shop: Take the time to find the best deal. Fight the urge to get your shopping over with as quickly as possible, and, for the procrastinator: Don't wait until the last minute! 4. Trim your interest payments: If you must pay with a credit card instead of using cash, use a card with a low-interest rate. Now is a good time to look for a lower-rate card--like TACU’s MasterCard (9% APR interest)! 5. Open a Christmas Club account: Put some money in the account each

each month based on how much you spent this year; arrange to have that amount automatically deducted from your paycheck. This way, next year you'll have all the money you need. Plus, you'll earn interest rather than making big interest payments to finance next year's Christmas shopping.

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Kwik Cash Loans allow you to make holiday purchases even if you don’t have the cash on hand. These loans give you needed funds up front in the form of cash, check, or direct deposit. The interest rate is as low as 9% APR and the process is easy. Apply today!

Christmas Club Accounts Spread Cheer to Santa’s Savers Do the holidays leave you wincing from the credit card bill long after the holiday euphoria has worn off? If so, we're here to help. A Christmas Club account lets you save for holiday spending in advance rather than relying on credit cards at the last minute. You even can arrange to have the money deducted directly from your paycheck, making saving as painless as possible. Plus, you get a free glass ornament for opening your account each year. Knowing that you'll have the money to pay for the holidays will put the cheer back into this year's gift giving. Open your Christmas Club account today!

Federally Insured by NCUA up to $250,000 Equal Housing Lender www.tacuonline.com

TACU Newsletter Nov. 2011  

Newsletter for Tomah Area Credit Union. November 2011 issue

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