TruStone MemberLink Winter Newsletter

Start Earning

W I N T E R

7-MONTH CERTIFICATE SPECIAL

5.25 %

APY 8

Don’t let your savings stand idle. Now’s the time to explore high-interest account options. It’s true.

A TRUSTONE FINANCIAL CREDIT UNION NEWSLETTER

$2,500 MINIMUM

OPEN TODAY, TOMORROW WILL THANK YOU. TRUSTONE.ORG/CERTIFICATES Time to renew? Check out our rates online or call us at 763-542-4200.

8) Annual Percentage Yield (APY) effective 2/11/2024 and subject to change. Minimum deposit of $2,500 and at least 50% must be new money not on deposit with TruStone. Additional steps required for Individual Retirement Account (IRA) Certificate. A penalty may be imposed for early withdrawal. Fees may reduce earnings. At Maturity, the 7 month certificate will be renewed as a 6 month certificate. Terms and conditions apply.

Start Preparing

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 Products9 by being a TruStone member.

To learn more, visit TruStone.org/Tax 9) Terms and Conditions apply. TruStone is not affiliated with Turbo Tax. Turbo Tax is a registered trademark and/or service mark of Intuit, Inc.

SCHOLARSHIPS & MORE

Check out our promotions, blogs and get the latest credit union updates on Spring Scholarship Programs by scanning the QR code or visiting Trustone.org/newsletter.

TRUSTONE.ORG JOIN OUR TEAM!

FIND US ON SOCIAL MEDIA:

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

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 opt out of receiving it. Material in this newsletter should not be considered legal, financial or other professional advice. Neither the publisher 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. ©2023 TruStone Financial Credit Union.

Federally insured by NCUA.

Start

Fresh CHECK OUT YOUR

Year-End Tax Information

(800) 862-1998 (763) 544-1517 23 locations in Minnesota & Wisconsin

24

> TruStone Exclusives

Start Believing

CRE D IT C A RD

Start Strong

Buy Now, Refinance Later.

Holiday spending can give your wallet, and budget, a workout. Start the new year off on the right foot by opening a TruStone Visa Signature® Credit Card and enjoy 0%APR intro rate for 6 months when transferring other, higher-rate credit card balances. After 6 months, rates range from 14.65%-17.90%APR2. With no balance transfer fee, and no annual fee, it’s a no-brainer!

It’s true. Don’t let rates keep you from getting the home you love. At TruStone Home Mortgage we’ve got you covered. Buy with us now, and if rates fall, you can refinance to a lower rate.1

Buy Now

with TruStone Home Mortgage

If Rates Drop

Unlimited

No

within 3 years of your closing date1

REWARDS 3

ANNUAL FEE 3

with TruStone Home Mortgage

Refinance

and Receive a Lender Credit of up to

$1,200 OFF

TR A NSF E R & SAV E TO DAY.

1

TruStone.org/Credit-cards

O F YOU R RE F IN A N CE

Questions? We’re here to help.

2) 0.00% Introductory Annual Percentage Rate (APR) for 6 months from account opening on purchases, cash advances and balance transfers. After that, APR will be 14.65% to 17.90% based on creditworthiness. APR will vary with the market based on the Prime Rate.

Rates effective 12/1/2023. Offer available to new accounts opened in 2024. See card terms and conditions for details.

3) Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire 5 years from the day in which they are earned. See Reward Rules and Rewards Terms and Conditions.

Better Checking & $150

Simple Application Process

Make the switch to a TruStone Checking account and enjoy access to over 65,000 surcharge-free ATMs nationwide, digital banking, unlimited debit card rewards4 and so much more.

Check your loan status, scan and upload documents, chat instantly with your loan officer and much more

We know that buying a home can be one of the most exciting – and stressful – moments of your life. At TruStone Home Mortgage, we’ve got you covered. From helping you buy your first home to building and beyond, you can count on us to guide you every step of the way and make the path to homeownership surprisingly simple.

TRANSFER FEE 3

STA RT N OW W ITH

(800) 862-1998 | TRUSTONE.ORG/BUY-NOW-REFI-LATER

WHY TRUSTONE HOME MORTGAGE?

No

with the TruStone Home Mortgage loan app and online solution.

G E T PA I D U P T O

2 Days Early

Local Experts Mortgage experts from your community to help you

EARN UP TO

navigate the entire home loan process.

To learn more how the process works and how to get started in your home buying journey check out our ‘Guide to Homeownership’ at TruStone.org/HomeownerGuide

1) Promotion is valid on TruStone Home Mortgage first lien, purchase loans closed between 10/1/2023 and 9/30/2024. Promotional credit is redeemable one time within 3 years of your closing date. After 6 full payments, the borrower is eligible to refinance the purchase loan with TruStone Home Mortgage and receive a lender credit up to $1,200 toward applicable lender fees (underwriting, document preparation and processing fees). All other fees apply. Credit amount cannot exceed the amount of lender fees. Refinance loan is subject to underwriting and collateral approval. This promotion may not be combined with any other offers, discounts or promotions. This is not a commitment to lend. To claim the credit, borrower must present their Buy Now Refinance Later Eligibility Certificate at the time of application to refinance.

5

$150

6

TruStone.org/Checking

Plus

7

when you open and use TRUSTONE CHECKING ACCOUNT

start the year off safe - identity theft monitoring with IDPROTECT.®

4) Rewards points are earned for qualifying net purchases. Balance transfers and cash advances do not earn points. Points will expire 5 years from the day in which they are earned. See Reward Rules and Rewards Terms and Conditions.

45 days of account opening: 1) $100 cash back for direct deposit of at least $1,000 2) $50 cash back for enrolling in e-statements. Must be 13 years of age or older. Those under 18 years old must have a parent or guardian on the account to be eligible for cash back.

5) Direct Deposit Required.

Why Wait? Get started today.

with a direct deposit into a TRUSTONE CHECKING ACCOUNT

6) Offer valid 1/1/24-12/31/24. Only one account per membership is eligible and member must not have a current or prior checking account with TruStone.

Allow up to 60 days from account opening for cash back deposit. Recipient is responsible for applicable taxes. Earn cash back for the following actions within

7) Some benefits require registration and activation. For complete details of this checking account service, speak with a TruStone Financial banker. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.