Fall 2019 Newsletter

Page 1

GREEN

SUNCOAST

UPDATES

Cyber Security and Fraud Awareness Tips Fall is home to National Cyber Security Awareness Month (October) and International Fraud Awareness Week (November 17 – 23). But it’s important to stay safe online and look out for fraud all year long.

Continuing with our goal of being environmentally-conscious, Suncoast installed two solar arrays over the retention ponds in front of our new administration building. Together, these arrays will be able to produce around 126,000 kwh per year. We’re excited to be one step closer to our goal of a net zero building!

• Create strong passwords and don’t reuse them for multiple accounts. Turn on two-step verification login, if available, when logging into social media, online stores, and other websites

Stay Informed with the Suncoast

• D o not give out your Social Security number, bank account numbers or PIN numbers Suncoast can help you stay safe. You can turn on transaction alerts to stay aware of all account activity. We also offer affordable identity theft protection options. And if you have been a target or are concerned you may have been a victim of one of a scam, you can email abuse@suncoastcreditunion.com for help. For more safety and security tips, suncoastcreditunion.com/blog.

In this issue: • Save for Your Fantastic Future • Limited Time Offer for Home Equity Loans • Car Buying Resources for Every Shopping Style • Get Double Rewards on Gas, Groceries and Tolls with Your Suncoast Credit Card • Prepare for the Future with a 403(b)

Protect yourself from scammers! Use these quick tips to keep your personal information safe: • N ever click on links or open attachments from unknown email addresses

FALL 2019

• October is Financial Planning Month • Cyber Security and Fraud Awareness Tips • Green Suncoast Updates •S uncoast Blog

Save for Your Fantastic Future When it comes to saving, we make it easy for our members with higher dividends, flexible terms and the products and services you need. From certificates to money market accounts, all of our options help you save more with competitive rates. Whether you want to open an account with $5 or $250,000, we’re here to help you get the most from every deposit to help fund your fantastic future. See our savings account options at suncoastcreditunion.com.

Limited Time Offer for Home Equity Loans Looking to start that home improvement project you’ve been dreaming of? Or do you need a solution to help you pay off credit card balances or consolidate debt? A home equity loan lets homeowners leverage the equity in their homes to borrow money. Simplify your life with a home equity loan that offers a single payment and a lower interest rate. And for a limited time, get up to $1,000 off of closing costs* when you get a home equity loan with Suncoast.

Want to stay informed and get the latest financial tips? Check out our latest blog posts at suncoastcreditunion.com/blog.

*Suncoast will contribute up to $1,000 (Closing Costs Benefit) toward your closing costs when you select our fixed or variable rate home equity product loan on your primary residence. If the loan is paid in full or the line of credit closed within 24 months of the first payment due date, Suncoast will collect the closing costs paid on your behalf in the payoff. The 24 month term begins with the first payment due date of the loan. Not to be combined with any other offers.


Car Buying Resources for Every Shopping Style We understand that everyone has a different shopping style when it comes to buying a car. Whether you prefer an online or a local car-buying experience, we can help you save time and money - your way. You can also get pre-approved with Suncoast for a seamless car-buying experience.

October is Financial Planning Month

• Purchase a vehicle online with Carvana: Delivery or pickup is available as soon as the next day. Get a 7-day money back guarantee and 100-day warranty. • G et a pre-owned vehicle at the best possible price from CU Auto Branch: Enjoy a no-haggle car-buying experience and exceptional customer service. Free vehicle delivery available to any Suncoast Service Center. •S ave time and money at the dealership when you use TrueCar: Browse the online inventory of new or pre-owned vehicles, view photos and read reviews. No-hassle pricing is guaranteed. Learn more about all of our car buying resources at suncoastcreditunion.com.

Get Double Rewards on GAS, GROCERIES and TOLLS with Your Suncoast Credit Card With the Suncoast Rewards Visa credit card, you can choose between earning bonus points or cash back on purchases. But did you know that your rewards are doubled whenever you use your card to buy gas, groceries or tolls? It’s true! You earn two points or 2% cash back for every $1 you spend on gas, groceries and tolls. Those rewards really stack up! If you don’t have a Suncoast Rewards Visa yet, you can apply at suncoastcreditunion.com.

Prepare for the Future with a 403(b) Suncoast Trust & Investment Services (STIS) makes it easy for employees of public schools or colleges to save for retirement with a 403(b) tax-sheltered account. Start your contributions with as little as $25 per pay period and benefit from pre-tax savings and tax-deferred growth. Other benefits include retirement account consolidation, catch-up contributions and penalty-free early withdrawal options. STIS also offers a Roth 403(b) option. Our dedicated team will help you determine your retirement goals, create a retirement plan and choose the right retirement investment strategy. Invest in your future today. Contact STIS online at suncoastcreditunion.com for a complimentary consultation, or call 1.866.300.9382. Suncoast Trust & Investment Services is a marketing name used by Suncoast Credit Union. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc., member FINRA/ SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. Trust services offered through MEMBERS Trust Company, Office of the Comptroller of the Currency. CBSI and MTC are under contract with financial institution to make their services available. Not NCUA Insured, No Financial Institution Guarantee, May Lose Value. Not a Deposit of Any Financial Institution. FR-2700698.1-0819-0921

With the holidays approaching, now is a perfect time to be mindful of your finances. And since October is Financial Planning Month, we want to help you take a look at your spending habits. Here are a few quick tips to get you started: • Create a budget that fits your needs • Save every month, even if it’s a small amount • Start planning for your financial future Remember, we’re here to help you reach your financial goals!


Car Buying Resources for Every Shopping Style We understand that everyone has a different shopping style when it comes to buying a car. Whether you prefer an online or a local car-buying experience, we can help you save time and money - your way. You can also get pre-approved with Suncoast for a seamless car-buying experience.

October is Financial Planning Month

• Purchase a vehicle online with Carvana: Delivery or pickup is available as soon as the next day. Get a 7-day money back guarantee and 100-day warranty. • G et a pre-owned vehicle at the best possible price from CU Auto Branch: Enjoy a no-haggle car-buying experience and exceptional customer service. Free vehicle delivery available to any Suncoast Service Center. •S ave time and money at the dealership when you use TrueCar: Browse the online inventory of new or pre-owned vehicles, view photos and read reviews. No-hassle pricing is guaranteed. Learn more about all of our car buying resources at suncoastcreditunion.com.

Get Double Rewards on GAS, GROCERIES and TOLLS with Your Suncoast Credit Card With the Suncoast Rewards Visa credit card, you can choose between earning bonus points or cash back on purchases. But did you know that your rewards are doubled whenever you use your card to buy gas, groceries or tolls? It’s true! You earn two points or 2% cash back for every $1 you spend on gas, groceries and tolls. Those rewards really stack up! If you don’t have a Suncoast Rewards Visa yet, you can apply at suncoastcreditunion.com.

Prepare for the Future with a 403(b) Suncoast Trust & Investment Services (STIS) makes it easy for employees of public schools or colleges to save for retirement with a 403(b) tax-sheltered account. Start your contributions with as little as $25 per pay period and benefit from pre-tax savings and tax-deferred growth. Other benefits include retirement account consolidation, catch-up contributions and penalty-free early withdrawal options. STIS also offers a Roth 403(b) option. Our dedicated team will help you determine your retirement goals, create a retirement plan and choose the right retirement investment strategy. Invest in your future today. Contact STIS online at suncoastcreditunion.com for a complimentary consultation, or call 1.866.300.9382. Suncoast Trust & Investment Services is a marketing name used by Suncoast Credit Union. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc., member FINRA/ SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. Trust services offered through MEMBERS Trust Company, Office of the Comptroller of the Currency. CBSI and MTC are under contract with financial institution to make their services available. Not NCUA Insured, No Financial Institution Guarantee, May Lose Value. Not a Deposit of Any Financial Institution. FR-2700698.1-0819-0921

With the holidays approaching, now is a perfect time to be mindful of your finances. And since October is Financial Planning Month, we want to help you take a look at your spending habits. Here are a few quick tips to get you started: • Create a budget that fits your needs • Save every month, even if it’s a small amount • Start planning for your financial future Remember, we’re here to help you reach your financial goals!


GREEN

SUNCOAST

UPDATES

Cyber Security and Fraud Awareness Tips Fall is home to National Cyber Security Awareness Month (October) and International Fraud Awareness Week (November 17 – 23). But it’s important to stay safe online and look out for fraud all year long.

Continuing with our goal of being environmentally-conscious, Suncoast installed two solar arrays over the retention ponds in front of our new administration building. Together, these arrays will be able to produce around 126,000 kwh per year. We’re excited to be one step closer to our goal of a net zero building!

• Create strong passwords and don’t reuse them for multiple accounts. Turn on two-step verification login, if available, when logging into social media, online stores, and other websites

Stay Informed with the Suncoast

• D o not give out your Social Security number, bank account numbers or PIN numbers Suncoast can help you stay safe. You can turn on transaction alerts to stay aware of all account activity. We also offer affordable identity theft protection options. And if you have been a target or are concerned you may have been a victim of one of a scam, you can email abuse@suncoastcreditunion.com for help. For more safety and security tips, suncoastcreditunion.com/blog.

In this issue: • Save for Your Fantastic Future • Limited Time Offer for Home Equity Loans • Car Buying Resources for Every Shopping Style • Get Double Rewards on Gas, Groceries and Tolls with Your Suncoast Credit Card • Prepare for the Future with a 403(b)

Protect yourself from scammers! Use these quick tips to keep your personal information safe: • N ever click on links or open attachments from unknown email addresses

FALL 2019

• October is Financial Planning Month • Cyber Security and Fraud Awareness Tips • Green Suncoast Updates •S uncoast Blog

Save for Your Fantastic Future When it comes to saving, we make it easy for our members with higher dividends, flexible terms and the products and services you need. From certificates to money market accounts, all of our options help you save more with competitive rates. Whether you want to open an account with $5 or $250,000, we’re here to help you get the most from every deposit to help fund your fantastic future. See our savings account options at suncoastcreditunion.com.

Limited Time Offer for Home Equity Loans Looking to start that home improvement project you’ve been dreaming of? Or do you need a solution to help you pay off credit card balances or consolidate debt? A home equity loan lets homeowners leverage the equity in their homes to borrow money. Simplify your life with a home equity loan that offers a single payment and a lower interest rate. And for a limited time, get up to $1,000 off of closing costs* when you get a home equity loan with Suncoast.

Want to stay informed and get the latest financial tips? Check out our latest blog posts at suncoastcreditunion.com/blog.

*Suncoast will contribute up to $1,000 (Closing Costs Benefit) toward your closing costs when you select our fixed or variable rate home equity product loan on your primary residence. If the loan is paid in full or the line of credit closed within 24 months of the first payment due date, Suncoast will collect the closing costs paid on your behalf in the payoff. The 24 month term begins with the first payment due date of the loan. Not to be combined with any other offers.


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