PDF JULY 2019 ADVANTAGE

JULY 2019

ADVANTAGE

Credit Union

MORTGAGE RATES REMAIN NEAR HISTORIC LOWS, But Are You Getting the Best Rate?

Whether you're in the market to purchase a new home or are looking to refinance your current loan, your first call should be to AAEC and our mortgage specialist, Brad Boden.

We offer a wide variety of loan options big banks can't because we put you, our member, first. From lower rates and fees, to faster, more personalized service ? see how AAEC has been putting our members first.

Call or visit our website for answers to all your mortgage questions.

SAVE ON INSURANCE

Save money on your homeowners, auto, life, and/or accidental death and disability insurance through our TruStage program. When you receive information regarding the program in the mail, take a minute and compare costs, or call (855) 787-8243. Let us help you save money! If you wish to be removed from the mailing list, call (855) 261-2189.

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VISA BALANCE TRANSFER SPECIAL

Use our Visa Balance

Transfer Special to pay down existing debt on your higher interest credit cards.

4.99% APR FOR 18 MONTHS

Pay a low interest rate

of only 4.99%APR for 18 months! This special rate

is available on all credit card balance transfers

through August 30, 2019. If you don't already have

an AAEC Visa credit card, pick up an application in our office or visit .

CHANGE YOUR PIN

You now have the option to change the PIN for your ATM or debit card. You must use the ATM at our new location in order to use this feature.

AAEC DISCOUNT DAYS AT GREAT AMERICA!

Save nearly 50% off the price of Great America tickets by attending during AAEC Discount Days:

June 28, 29, July 5, 6, 12, or 13, 2019

Your special ticket price is only $39.99 plus tax.

1.Go to greatamerica

DBEEASLT!

2.Enter promo code: aaecdays

3.Purchase & print tickets ? Or order tickets on your mobile device

For season passes or discounts on other days... Log on to partnerlogin User name: aaeccu Password: SixFlags6 (case sensitive) Print tickets at home and bring to the front gate for admission to the park.

Kids' Club ? For children up to 13 years of age. Savings account earns 5.0%APR on all balances up to $500.

Teen Account ? For teenagers between 13 and 18. Savings account earns 2.5%APR on balances up to $1000, and free checking accounts with ATM or debit cards are available.

Any deposits over those specified will earn our regular account deposit rates. $25 minimum balance is required to open an account. A parent or guardian must be a joint owner. Standard overdraft fees may apply. Members turning 13 or 19 will be transitioned out of these respective programs after the quarter following their 13th or 19th birthdays. Dividend rates subject to change without notice but not to be lower than the dividend rate paid on regular AAEC share accounts.

2751-Advantage 07.19 Serving School Districts 21, 23, 25, 26, 57, 59, 214, NSSEO, & Harper College & all people who live or work in the surrounding northwest suburban community.

S. BELMONT AVE S. PINE AVE

ARLINGTON HTS RD EVERGREEN S, DUNTON

Business Hours: Monday ? Friday, 9am ? 5pm

1104 S. Arlington Heights Rd Arlington Heights, IL 60005 Phone: (847) 392-1922

Teller Express: (855) 605-9178 Fax: (847) 392-1926 Jill Lindsay, President

District

Chairman

Tom Adam

214

Vice Chairman John Meyers, Jr. 214

Treasurer

Kelley Zerfahs 59

Secretary

Jan Phillips

Harper

Directors Sharon Eliopoulos Nancy Milne Tom Pulford Eric Swanson Chris Zima

District 57 NSSEO 25 59 21

Credit Union Closings

July 4

? Independence Day

September 2 ? Labor Day

October 14

? Columbus Day

November 11 ? Veterans' Day

November 28, 29 ? Thanksgiving

After hours lost or stolen cards: Visa Credit Card: (800) 322-8472

cuCheck Card (Visa Debit): (800) 523-4175

cuCash Card (ATM): (800) 523-4175

For Bill Pay questions: call (888) 221-0107

For surcharge?free ATMs:

AAEC, 1104 S Arlington Hts, Arlington Hts or log on to

or

co? or

any Village Bank & Trust location

CENTRAL RD

W. CYPRESS ST

Cypress Park

E. MAGNOLIA ST

CONGRATULATIONS TO OUR

2019 SCHOLARSHIP RECIPIENTS!

AAEC awarded twelve Career

Advancement Scholarships for 2019!

Half the recipients are pictured here,

and the other half were presented

in last quarter's newsletter. 2020

applications will be available in October.

Recipients must be AAEC members

Laura

Luke

but need not live in the immediate

area. The scholarships may be used for

undergraduate or graduate degrees, or

any class that will help you in your career.

Elizabeth

COIN DEPOSIT

Take advantage of our coin machine to deposit your stash of change. Of course there's no fee!

SALLIE MAE STUDENT LOANS

We've partnered with Sallie Mae to offer members an additional private education loan program. To find out more about your options or to apply, click on the Sallie Mae link of the AAEC website.

Michael

Michelle

Nicole

TAKE THE SUMMER OFF FROM LOAN PAYMENTS

Take an auto, bill consolidation, or personal loan in June, July, or August and make no monthly payments until school begins in the fall. If you already have a loan with us and you want to take the summer off, you may be able to if you add at least $1000 to your loan balance.

To participate, payments must be made via payroll deduction, an existing direct deposit, or an electronic deduction from another financial institution.

CONSUMER LOAN RATES CALL AAEC AT (847) 392-1922 OR VISIT WWW. TO APPLY!

New/Used Vehicle

2.99% 3.99% 4.99%

All 2017 ? 2019 Models

3 yrs

5.99% 8-9 yrs

(Loan must exceed $25,000)

4-5 yrs

6.99% *10-12 yrs

(Loan must exceed $50,000)

6-7 yrs

7.99% *13-15 yrs

(Loan must exceed $50,000)

3.99% 4.99% 5.99%

2016 & Older Models

3 yrs

6.99% 8-9 yrs

(Loan must exceed $25,000)

4-5 yrs

7.99% *10-12 yrs

(Loan must exceed $50,000)

6-7 yrs

8.99% *13-15 yrs

(Loan must exceed $50,000)

Effective 1/1/19. *Car loans cannot exceed 10 year terms.

Give us a chance to beat your dealer's

rate!

If your dealer offers an interest rate lower than ours, please call us. We realize that they're trying to sell you a car and may offer a low rate to get you to buy from them, but we want you to borrow from us! We'll do everything in our power to keep your business.

FOR MORTGAGE AND REVERSE MORTGAGE OPTIONS VISIT OUR WEBSITE, WWW.,

OR CALL (773) 305-7009

Signature Loans

Bill Consolidation

Share Secured Loans Tuition Loans

UP TO:

9.5% 10.5% 11.5% 12.5% 13.5%

1 yr 2 yrs 3 yrs 4 yrs 5 yrs

9.0% 10.0% 11.0% 12.0% 13.0%

1 yr 2 yrs 3 yrs 4 yrs 5 yrs

2.99% 3.99% 4.99% 8.5%

3 yrs 4-5 yrs 6-7 yrs

5 yrs

HOME EQUITY LINE OF CREDIT 5.25%

Maximum limit of $150,000.

3 NO APPLICATION FEES 3 NO CLOSING COSTS 3 NO APPRAISAL FEES 3 NO ANNUAL FEES

*Rate valid thru 8/31/19

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