Monthly Spotlight

Volume 5 • Issue 6
September • 2009
www.gmcu.com 800.808.2830
GMCU Closed Columbus Day
“Discover the Difference”
Monday, October 12th

GREATER MINNESOTA CREDIT UNION’S LOYALTY PROGRAM

GREATER MINNESOTA CREDIT UNION HAS MONEY TO LEND!
CARS BOATS RVs MOTORCYCLES
Just ask John and Deanna Szczech. They refinanced their vehicle loan
from a higher rate at another financial institution! Boy are they happy
with their new payment! You could be, too!

72 Month Term as low as 4.74% APR1

60 Month Term as low as 4.24% APR
48 Month Term as low as 3.74% APR
It Gets Even Better...AND Cooler!
Bruce and Aoulene Hauschulz recently received a Home Equity loan from
GMCU. For the first time in 38 years they now have Central Air in their
home... just in time for the hot, humid summers in Minnesota.

84 Month Term as low as 4.74% APR2

NOW... here’s the BEST!

We have expanded the program with a special rate to include 2005 and 2006 AUTOs, BOATS, RVs and
MOTORCYCLES! 42 Month Term as low as 5.24% APR3
To apply, call us toll free at 800.808.2830, see us online at http://www.gmcu.com/ASP/loan.asp or visit
any branch.

1 APR is Annual Percentage Rate. As low as rate includes discount for having a GMCU checking account with auto pay or direct deposit. New money only.
These rates also apply if you want to refinance your current car, boat, RV or motorcycle loan from another financial institution that meet the promotional
terms. Car Boat RV Motorcycle Terms; Car, Boat, RV, Motorcycle 2007 or newer, 15% down, 85% Loan To Value. On approved credit. Rates and Terms subject
to change. Promotion may end at any time. Cost per $1,000 is apprx. $15.98 @ 72 months.
2 APR is Annual Percentage Rate. Home Equity Loan Terms: New Money Only. Minimum amount $5,000, 80% Loan To Value. Closing Fees apply. Cost
per $1,000 is apprx. $14.01 @ 84 months. On approved credit. Rates and Terms subject to change. As low as rate includes discount for having a checking
account with auto pay or direct deposit. Promotion may end at any time. Equal Opportunity Lender.
3 APR is Annual Percentage Rate. As low as rate includes discount for having a GMCU checking account with auto pay or direct deposit. New
money only. These rates also apply if you want to refinance your current car, boat, RV or motorcycle loan from another financial institution that
meet the promotional terms. Car Boat RV Motorcycle Terms; Car, Boat, RV, Motorcycle 2005 or 2006, 15% down, 85% Loan To Value, Odometer
must read less then 75,000 miles at time of purchase. On approved credit. Rates and Terms subject to change. Promotion may end at any time.
Cost per $1,000 is apprx. $26.11@ 42 months. 42 month max term.
 Rate Watch
Loans
Auto, New - 2007
......................(as low as) 3.74% APR*
Boat & RV, New - 2007
......................(as low as) 3.74 APR*
Auto, Boat & RV, 2006-2002
......................(as low as) 6.89% APR*
Unsecured
......................(as low as) 10.99% APR*
Visa
......................(as low as) 8.49% APR*
Mortgages
First Mortgage
......................(as low as) 6.04% APR*
Home Equity
......................(as low as) 4.74% APR*
Fixed-rate mortgages are available through the
secondary market. For current rates and information,
contact Carey at 320.679.3863 or 800.808.2830. Lowest
rate subject to credit score and checking/auto pay
relationship. Rates are subject to change at any time.
Certificates
$500 minimum deposit.
12 month...........2.00% APY**
18 month...........2.00% APY**
24 month...........2.25% APY**
36 month...........2.40% APY**
48 month...........2.55% APY**
60 month...........2.60% APY**
*Annual Percentage Rate.
**Annual Percentage Yield.
Penalty for early withdrawal. Rates are subject
to change at any time. Rates are current as of
8/27/09. For current rates, please go to www.
gmcu.com. For more information, contact our
Call Center at 800.808.2830.
CirCUs Club Pizza Parties
You’re invited to an
evening filled with
great food, fun and prizes!
Join us from 5:00 p.m. - 6:30 p.m. at
the following locations:
Ogilvie, Sept. 22nd • On the Way Pizza & Cafe… 208 N Hill Ave
Mora, Sept. 23rd • Emma’s Pizza (Club Fuel)… 113 Lake St. S
Elk River, Sept. 24th • Elk River Branch… 17035 Yale Ct. NW
Pine City, Sept. 24th • Pizza Pub… 500 3rd Ave SE
Isle, Sept. 28th • Isle Bowl & Pizza… 365 Third St.
Milaca, Sept. 29th • Trinity Lutheran Church… 735 2nd St. SE
Coats for Kids
GMCU is gearing up for its annual Coats for
Kids drive.
Coats may be dropped off at any of our 6
branches and will be distributed, to those in
need, in that community.
Gently used or new coats, snow pants, hats
and mittens are greatly appreciated!
Last year, nearly 450 coats were donated from our generous
members! We hope that you will once again be generous as even
more families find themselves in need of help.
If you would like to donate any adult or coats for
teenagers, these are most welcome!
The organizations we use to distribute the coats
will definitely use them.
For more information, please visit our Web site
www.gmcu.com.

Branch Telephone # Mora, Milaca, Isle, Pine City and Ogilvie Branch Hours
Mora 320.679.3863 Monday - Thursday Friday Saturday
Milaca 320.983.2511 Lobby: 8:30 am - 4:30 pm Lobby: 8:30 am - 6:00 pm Drive-thru: 8:00 am -12:00 pm
Isle 320.676.3607 Drive-thru: 8:00 am - 5:00 pm Drive-thru: 8:00 am - 6:00 pm
Elk River 763.441.3842 Elk River Branch Hours
Pine City 320.629.1178 Monday - Thursday Friday Saturday
Ogilvie 320.272.9918 Lobby: 8:30 am - 4:30 pm Lobby: 8:30 am - 6:00 pm Lobby: 8:30 am -12:00 pm
Drive-thru: 7:30 am - 5:00 pm Drive-thru: 7:30 am - 6:00 pm Drive-thru: 8:00 am -12:00 pm
Call Center Hours
Monday - Thursday Friday Saturday
7:30 am - 5:00 pm 7:30 am - 6:00 pm 8:00 am -12:00 pm