Page 2 - WVFCU: Community Connection: Summer 2021

Home Equity Line of Credit
flexibility allows you access
www.wvfcu.org to funds when you need them.
FAST approvals and
professional service.
Call 304-744-MYCU (6928)
or stop by any of our 4
locations today to apply.
GET • NO Annual Fee . . . EVER!!! O AN
GET
•
DEBT
WITH
WITH
Competitive Rates
•
CREA
TIONAL L
A RE
A RECREATIONAL LOAN
Low Payments
TOD
TODAY!
•
Local Decisions & Servicing
OUTSIDE! • No Closing Costs A Y!
OUTSIDE!
•
PROTECTION
Potential Tax Advantages*
All lines are subject to credit and income approval. Maximum loan-to-value (LTV) is based on credit history, credit score and appraised value up to an 89% combined loan balance of all liens. Home Equity Lines
of Credit are secured by your residence that is held as collateral. Interest rate is variable based on predetermined margins added to the prime lending rate which is published in the Wall Street Journal and may
Does you family
vary quarterly. Actual margin is based on the home’s loan to value ratio, lien position, owner occupied status, applicant’s credit history and the amount of the credit line. Your home must be a single-family owner
occupied residence. Manufactured homes do not qualify. Hazard insurance is required. Flood insurance where applicable, is required. Borrower responsible for costs to resolve title issues and structural inspection,
if necessary. Additional terms and conditions may apply. Please contact the credit union for additional details about credit costs and terms. *Consult a Tax Professional regarding the tax deductibility of interest.
have a safety net Y CLE
BO
A
BOAT, RV, AND MOTORCYCLE
T
, AND MOTORC
V
if the unexpected hits? 9/9/16 8:56 AM
9/9/16 8:56 AM
, R C177946-26048 HOMEEQPROOF.indd 2C177946-26048 HOMEEQPROOF.indd 2
1.99% APR.
LOANS AS LOW AS 1.99% APR.
LO Call TODAY at 304-744-MYCU(6928)Call TODAY at 304-744-MYCU(6928)
ANS AS LOW AS
APR* 2.07%
with and APR* 2.07%
with and
Involunta y
IN THE EVENT OF... Death Disability Unemployment
WHAT HAPPENS... • Protected borrower • A covered disability occurs • A covered job loss occurs.
passes away. due to injury or illness.
IT CANCELS THIS... • Your payments or • Your loan payments. • Your loan payments.
up to the cont act maximums loan balance.
YOU MAY BE ELIGIBLE IF YOU... • Have an eligible loan. • Are a permanent employee • Are a permanent employee
The 4.5% APR* (Annual Percentage Rate) is based on a New RV loan of $20,000 with a credit score of 720, 48 month term, rate 4.49% with a payment of $456.64 and includes
who is actively working.*
who is actively working.*
a $25.00 processing fee. New RV, boat and UTV interest rates range from 4.24 - 17.25% with terms that range from 48 - 120 months. Used RV, boats and UTV interest rates
range from 4.49% - 17.25% with terms that range from 26 - 72 months. LSI - Lenders Single Interest is required, but not required to be purchased through WVFCU. If
purchased through WVFCU the fee is $21.00. Collateral Insurance is required. All loans are subject to underwriting guidelines. Additional Terms and Conditions may apply.
Rates are subject to change without notice. Other rates apply to motorcycles, ATV’s and personal watercraft.
Ask you loan offce to p otect what matte s most to you.
Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement re uired to obtain a loan. Certain eligibility
re uirements, conditions and exclusions may apply. *Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt
Protection. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Community Events
Communit y E v ents As of May 31, 2021
MARKETING#: DP-2041086.1-0218-0320 $TATISTICS
Loans – $ 68,322,808.00
Saturday
Saturday September 11, 2021 August 16-21, Deposits – $113,953,223.00
June 26, 2021 Mount Arts & 2021 Assets – $135,028,683.00
Chamber of Commerce Crafts Festival Summerfest Capital Ratio – 14.83%
5K Wellness South South Charleston Members – 8,023
at the Mound
Run/Walk
South Charleston Charleston Our Holidays
Our Holidays

Mon., June 22 &
Wed., June 23, 2021 Independence Day
State Girls Softball
Monday, July 5, 2021
Tournaments at Little Creek ST. ALBANS (observance of July 4th)
Park (time TBA)
Labor Day
Saturday
June 19, 2021 Monday, September 6, 2021
North/South Football game ST. ALBANS
1pm
at South Charleston High
School
PAGE 2 VOL. 7 | SUMMER 2021 | ISSUE 3