Page 2 - WVFCU: Community Connection:Summer 2022

Home Equity Line of Credit
flexibility allows you access
to funds when you need them.
www.wvfcu.org
FAST approvals and
professional service.
Call 304-744-MYCU (6928)
or stop by any of our 4
locations today to apply.
• NO Annual Fee . . . EVER!!!
•
Call Us Today about an Auto Loan
Competitive Rates
is
DEBT • Low Payments
at 304-744-MYCU (6928)
•
Local Decisions & Servicing
•
No Closing Costs
“AUTO” • Potential Tax Advantages*
PROTECTION
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 your 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,
have a safety net
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.
if the unexpected hits?
be easy!
C177946-26048 HOMEEQPROOF.indd 2 9/9/16 8:56 AM
Unemployment
IN THE EVENT OF... Death Disability Involuntary
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 contract maximums loan balance.
YOU MAY BE ELIGIBLE IF YOU... • Have an eligible loan. • Are a permanent employee • Are a permanent employee
who is actively working.* who is actively working.*
All loans are subject to underwriting guidelines and credit approval. Actual rates range from 2.99% to 9.99% for new autos 2019-2022. Rates range
from 3.74% to 9.99% on 2018 and older used autos. Maximum terms range from 36 to 60 months from 2018 and older used autos and 38 to 84 for 2019
Ask your loan officer to protect what matters most to you.
and newer and are based on your credit history, credit score, model, year and loan-to-value. Repayment Example: 3.54% APR* (Annual Percentage
Rate) is based on a credit score of 740+ and a loan amount of $20,000 with a term of 62 months at 353.50 a month, with an interest rate of 3.49% which
Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility
includes a $25.00 processing fee. LSI (Lenders Single Interest) required but not required to be purchased thru WVFCU. LSI thru WVFCU is $48. Rates are
requirements, 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.
accurate as of March 31, 2022 and are subject to change without notice. Additional terms and conditions may apply.
MARKETING#: DP-2041086.1-0218-0320
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Community Events
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As of February 28, 2022
Loans –
$ 63,364,138
South Charleston
St. Albans
St. Albans
First Responder Disability will be held on Saturday, e Historical So- Arts and Cra Mound Deposits – $118,926,694
First Responder Disability
St. Albans
e Historical So
ciety Museum open
Festival – September
Awareness Event
Assets –
$138,707,124
RAILS Train Day Festival
the 1st Saturday of
St. Albans Fire Dept. September 24th at the ciety Museum open 10th – 9:00 am to 5:00 Capital Ratio – 13.91%
pm at Mound/D Street
Friday, August 5th at 6pm
Friday, August 5th at 6pm Train Depot on Fourth each month Members – 7,740
10:00-2:00
Members –
Members –
Ave. – 10:00-4:00
Ave. – 10:00-4:00
St. Albans
e Hansford Center
St. Albans St. Albans
South Charleston South Charleston
e Dementia Friendly e Hansford Center
Summerfest – August Summerfest Entertainment
Support Group meets has BINGO each – Wednesday/ A Tribute
17th at 5:30 pm – Au-
the 2nd Tuesday of the Tuesday at 11:00 to Alabama, ursday/
month at 3:00 Esquires, Friday/ e Jersey
gust 20th at 10:00 Our Holidays
Hansford Center
Hansford Center Tenors & Saturday/ e
Independence Day
Monday, July 4, 2022
Ultimate Eagles Experience
Ultimate Eagles Experience
Ultimate Eagles Experience
St. Albans South Charleston Labor Day
e American Legion Summerfest
St. Albans
St. Albans Pancake Breakfast is Car Show e SA Farmers Mar- Monday, September 5, 2022
e Alban Arts
Academy fall classes the 1st Saturday of the 8:00 am – 3:00 pm ket will be held on Sat-
Academy fall classes
Registration–7:00
start August 29, 2022 month – 8:00-11:00/ urdays for the Summer
start August 29, 2022
American Legion
Post 73 from 9:30-12:00
PAGE 2 VOL. 8 | SUMMER 2022 | ISSUE 3