Monthly Spotlight

Volume 7 • Issue 3
May • 2010
www.gmcu.com 800.808.2830
“Discover the Difference”

YOU NEED TO KNOW. THE CHOICE IS YOURS. Rate Watch

Loans
Due to a regulatory change that will become
Auto, New - 2008
effective August 15, 2010*, we will no longer
......................(as low as) 5.54% APR*
provide the automatic Member’s Privilege
Boat & RV, New - 2008
(overdraft privilege) service covering your ATM
......................(as low as) 5.54 APR*
transactions and everyday debit card
Auto, Boat & RV, 2007-2003
purchases.
......................(as low as) 7.14% APR*
Unsecured
You must specifically ask for this coverage to
......................(as low as) 10.99% APR*
be continued on your account. OPT-IN FORMS
Visa
WILL BE AVAILABLE JUNE 1, 2010.
......................(as low as) 9.49% APR*

If you do nothing, this service will be discontinued for your everyday debit card Mortgages
purchases and ATM transactions. That means if you do not have enough money in
First Mortgage
your account, or if the funds have not yet cleared, your card will be denied.
......................(as low as) 6.29% APR*
Make the choice that is right for you and your family. Visit your local branch, call us Home Equity
at 800.808.2830 or email us at info@gmcu.com. ......................(as low as) 6.29% APR*
Fixed-rate mortgages are available through the
* The effective date of the change is August 15, 2010 for accounts opened be- secondary market. For current rates and information,
fore July 1, 2010. For accounts opened after July 1, 2010 the effective date of contact Carey at 320.679.3863 or 800.808.2830. Lowest
rate subject to credit score and checking/auto pay
the change is July 1, 2010. On August 15, 2010, we will not authorize and pay relationship. Rates are subject to change at any time.
overdrafts on ATM and everyday debit card transactions without account holder
consent. Overdrafts may be created by check, ACH, online banking transactions, Certificates
phone transactions or other electronic means. An overdraft (OD) fee or insufficient $500 minimum deposit.
funds (NSF) fee of $25.00 will be charged for covering overdrafts that result in a 12 month...........1.26% APY**
negative balance at the end of the day. Recurring debit card transactions (pay- 18 month...........1.26% APY**
ments that are set up to bill and pay automatically), such as an automatic draft 24 month...........1.51% APY**
from your health club or insurance company, may continue to be covered by your 36 month...........1.86% APY**
overdraft service. Once an overdraft has occurred you are required to bring your 48 month...........2.02% APY**
account to a positive balance within 30 days. We reserve the right not to pay if 60 month...........2.32% APY**
your account is not in good standing. Contact us if you have questions.
*Annual Percentage Rate.
**Annual Percentage Yield.
Penalty for early withdrawal. Rates are subject
HOLIDAY BRANCH CLOSING to change at any time. Rates are current as of
4/22/10. For current rates, please go to www.
We will be closed Monday, May 31, 2010 gmcu.com. For more information, contact our
in observance of Memorial Day. Call Center at 800.808.2830.
 Go Green to Win Green!
~ Sign up for eStatements
~ Get entered into a $100 gas card drawing
Switch to eStatements between March 15 and May 31, 2010 and get entered into a monthly drawing to
win a $100 gas gift card. One lucky winner for March, April and May.
CONGRATULATIONS John Swanson our March Winner of a $100 gas gift card.
Already signed up for eStatements? Thank You! Your name is already entered into a drawing for a $50
gas gift card drawing for March, April and May!
CONGRATULATIONS Jody Stuck our March Winner of a $50 gas gift card.
To enter, go to our Web site at www.gmcu.com and click on the “Go Green to Win Green” tile.
No purchase necessary to enter. Need not be a member to participate. Need not be a member to win. Odds of winning
are determined by number of entrants. Only 1 winner per month per category. Sweepstakes period is March 15 through
May 31, 2010. Please see Web site for list of contest rules.

Mortgage Loans For All Your Needs!

Purchase - Refinance -
Home Improvement and More
Call 800 808 2830 today.
GMCU Raises Money for area Food Shelfs
Greater Minnesota Credit Union staff raised nearly $2,000 in cash and roughly 350 pounds of food for area food shelfs in late March.
Individual departments and branches formed teams to raise money by hosting bake sales, making meals like breakfast or lunch and
selling to other employees and donating on their own. Each
dollar donated can purchase the equivalent of five (5) pounds
of food through the Second Harvest Food Bank. The winning
team of employees was called the No Names and consisted
of Marilyn Bachman, Megan Kastenbauer, Chris Randt, Cindy
Cheney, Melanie Bergstadt, Brad Nikodym and Captain Carey
Venhuizen. They raised $409 in donations!

Jane Doran, Pine City Branch Mgr. (l) Steve Ahlness, President/CEO
and Brenda Nelson, (r) present a $200 of Greater Minnesota Credit Union
check to Julie Werner, Pine City Food presents a check to Mora Food
Shelf Director. Pantry Volunteers for $1,288.75.
This is the total raised by all teams
at the Mora Branch.
Pauline Mollet, Milaca Branch Mgr. (l)
presents a $245 check to Carol Mueller,
Milaca Food Shelf Director (c) and
Linda Ramson, Food Shelf Volunteer.

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