MemberLink // Winter 2022

MemberLink

New Year.

Fresh Start.

Save more with TruStone money essentials.

A T R U S TO N E F I N A N C I A L C R E D I T U N I O N N E W S L E T T E R

WINTER 2022

Pay Off Debt Faster with Visa Signature®.

Holiday spending can take a toll on your wallet and budget. If you have a credit card or store card with an unpaid balance, you’re probably paying interest on it. Sometimes, those rates can be 20%... or higher! For a cost-effective way to pay down your debt, open a TruStone Visa Signature Credit Card to transfer those high-rate balances and enjoy:

0% Intro APR for 6 months on balance transfers1

After the intro period, ongoing variable rate of 9.90 - 15.65% APR1

Plus, unlike most credit cards, TruStone’s cards come with: ban No Annual Fee ban No Balance Transfer Fees ban No Foreign Transaction Fee

TRANSFER & SAVE TODAY. VISIT TRUSTONE.ORG/VISASIG. 1) 0.00% Introductory Annual Percentage Rate (APR) for 6 months from account opening. After that, variable APR will be 9.90% to 15.65% based on creditworthiness. Rates effective 12/1/21. Offer available to new Visa Signature accounts opened 1/1/22-12/31/22.

Better Rate. Lower Payment.

More Savings.

Don’t spend your hard earned money on a high interest rate. By refinancing your auto loan with TruStone, you could lower your loan rate, reduce your monthly payment and increase your overall savings.

Auto Loan rates as low as

1.99

2

No payments for up to 90 days 3

Refinancing your auto loan may seem unnecessary if your payment will only go down a few dollars per month. However – those dollars can add up.

See how much you could save by refinancing.

Visit TruStone.org/AutoRefiCalc or call us today.

2) APR = Annual Percentage Rate includes discounts for TruStone Visa credit card and automatic loan payments from a TruStone account. Actual rate may differ. Current TruStone auto loans eligible for refinance with a minimum of $5,000 in additional disbursements. 3) Payments can be deferred up to 90 days. Interest will continue to accrue.

Scholarship Programs - Coming Soon!

The TruStone Financial Foundation will be awarding scholarships again this year. New in 2022! We are increasing award amounts to members who are graduating high school seniors. Plus, we’re sponsoring a new program for an adult education award established in memory of Fritz Wurzer, father of Minnesota Public Radio (MPR) host, Cathy Wurzer.

We will begin accepting applications in March. Watch for updates at TruStone.org/Scholarships!

Borrow Smart. Do More.

Do you have a large project or expense on the horizon? Whatever it is – a kitchen renovation, finished basement, a dream vacation or a college fund – make it happen with a TruStone Home Equity Loan.

Home Equity Loan rates as low as

2.99

4

Enjoy fast approvals, quick closing and money-saving loan opportunities.

APPLY TODAY AT TRUSTONE.ORG/EQUITY22.

4) Annual Percentage Rate may be fixed or variable depending on the product selected and includes discounts for TruStone Visa® Credit Card and automatic loan payments from a TruStone account. Variable rates are subject to increase. Actual rate may differ and is based on credit history, loan-to-value ratio and loan term and type.

Home Loans Made Simple.

A mortgage is one of the biggest financial decisions you’ll make – it’s kind of a big deal, financially and emotionally. With TruStone Home Mortgage you get a team of local experts who are committed to putting your needs first, helping you choose the solution that’s right for you.

Plus, earn up to

CASH BACK 5

When you...  Finance your home with TruStone  Open a Checking Account within 45 days of loan closing with a recurring direct deposit of $500+  Set up automatic payments from your new checking account to your mortgage

Whether you are looking for your first house or completing your third refinance, TruStone Home Mortgage is here to help. Local servicing, competitive rates and a fast, transparent experience to get you what you need, when you need it.

TO GET STARTED, VISIT TRUSTONE.ORG/CHECKING250.

5) Close a mortgage loan with TruStone Home Mortgage and complete the following actions to earn cash back: $100 for opening a new TruStone Financial checking account within 45 days of loan funding and establishing recurring direct deposits of at least $500. $150 for setting up automatic payments from the new TruStone Financial checking account to the new TruStone Home Mortgage loan. Allow up to 60 days for cash back to be deposited. Other conditions apply.

Get Ready for Tax Season.

Year-End Tax Information - By January 31, all statements and year-end notices will be in the mail to you or available within Digital Banking. To view your documents, log in to your account. Select an account, click “statements” and from there, you can view your statements or go to the menu and select tax statements to view.

Turbo Tax® Discount - If you are looking to file your taxes yourself, you can save up to $15 on TurboTax Federal Products6 by being a TruStone member.

TO LEARN MORE, VISIT TRUSTONE.ORG/TAX.

6) Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. As the leader in tax preparation, more federal returns are prepared with TurboTax than any other tax preparation provider. Limited time offer for TurboTax 2021. Savings are on TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners.

Save Time. Go Mobile.

TruStone’s app gives you more time to spend on the things that matter.

Hi, Kendall Accounts

PRIMARY SHARE x12S0001

CHECKING x12S0002

NEW AUTO x12L0144

MONEY MARKET x12S0007

$5.00 Available

 Manage your accounts  Pay bills

 Make a mobile deposit  Find surcharge-free ATMs

 Transfer money ... and more!

$1,235.83 Available

$4,372.49 Balance

Apple logo and App Store are registered trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

$12,385.91 Available

LEARN MORE

Check out our promotions, blogs and get the latest credit union updates by scanning the QR code or visiting TruStone.org/Newsletter.

Transactions CORNER GROCERY

$7.50

Sep 29, CHECKING

EL GRAN RESTAURANTE

$37.25

Sep 28, CHECKING

YOUR TOWN UTILITIES

$76.46

Sep 28, CHECKING

ACH DEPOSIT

JOIN OUR TEAM!

Get the scoop on open positions at TruStone.org/Careers.

FIND US ON SOCIAL MEDIA:

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Sep 27, MONEY MARKET MemberLink is published for members of TruStone Financial. Address all correspondence to Editor, MemberLink, c/o TruStone Financial, 14601 27th Ave. N., #104, Plymouth, MN 55447. The MemberLink newsletter may contain important notifications to the membership, therefore members are not able to outCAFE of receiving it. Material in this$2.61 newsletter should not be considered legal, financial or other professional advice. Neither the publisher LEopt PETITE nor TruStone Financial assumes liability for loss or damage as a result of reliance on this material. Websites not belonging to TruStone Financial are for information only. No endorsement is implied. ©2022 TruStone Financial Credit Union.

TruStone.org // (800) 862-1998 // (763) 544-1517 // 23 Branches in MN & WI // Federally insured by NCUA.