VyStar & Enterprise Holiday Wrap Up – USED AUTO SALE

Go to VyStar for a Loan! Go to Enterprise Car Sales for a Vehicle!
November 30th - December 31st
at 11034 Atlantic Blvd. Jacksonville
Call (904) 265-3725 or go to www.cuautodeals.com

• Get a Great Loan! Apply for VyStar financing ahead of time; low rates and flexible terms.
• Bring your VyStar VIP Check and buy a car during December to get your first two car payments free (up to $700*).
• Get a Great Buy! Shop Enterprise current and late model used vehicles at the Atlantic Blvd. Enterprise Car Sales location.

• Up to 100% financing on new and used cars, SUVs, trucks, mini-vans and more, including license and sales tax.
• Low fixed rates and low monthly payments – see our rates and terms at www.vystarcu.org.
• An extra .25% rate discount when you set up automatic payments from a VyStar account.
• Fast and easy application and quick response.
• No prepayment penalty.
• VIP Check to take with you to the sale – when you’re ready to buy, write your own deal on the spot.

What began as a contest between four VyStar families who were willing to share their personal stories and financial lessons learned has become an important lesson for us all. VyStar Money Makeover was created to help members learn ways to better manage their money, to reduce debt and to save more for the future. And what better way to learn than by real life examples.

Since April 2009, we have been watching our families in regular TV appearances as they bravely faced everyday financial challenges and difficult decisions in tough economic times. We want to thank our families – the Andrews, Darbys, Dunns and Moores for baring their souls about personal money matters, and for giving us all insight into real life situations, struggles and successes that can only help us with some of our own.

As we prepare to announce the $10,000 Winner of VyStar’s Money Makeover in two television broadcasts on December 19th (see above article for details), we want our members to know our Money Makeover program is still very much alive.

At VyStar we are “people helping people” every day. As a credit union, we are a financial cooperative, owned and operated by our members. We help members improve their financial well being and provide financial advice for all aspects of your financial life. When we say “we never forget that it’s your money” we mean just that and hope you will come in to see us or call if you have any questions about your finances. We want to show you better ways to manage your money and be better prepared for the future by utilizing all our products and services. Your VyStar Representatives will do everything they can to help you achieve your financial goals and get the things you need and want.

Our philosophy of helping people also extends to our communities where our members live and work. So many people are in need today and VyStar is doing its part in conducting campaigns to raise money for organizations like United Way, March of Dimes and Light the Night for Leukemia and Lymphoma. VyStar employees – the very Representatives that serve you – continue to break fundraising records for these vital causes that benefit countless individuals in the communities we serve. During this holiday season, we invite you to join us in some of our food collection and clothing drives conducted at all our branches. We know people are struggling – some maybe for the first time, and we want to help.

We want to be a good example for our communities. We also want to let everyone know that VyStar is fiscally strong and our strength is long-term. We are a stable and conservative presence that people can turn to for all their financial needs.

This year there’s been a lot of discussion about what a credit union really means to consumers and small businesses. The news has been full of stories about people trying desperately to keep their homes – some have been caught up in sub-prime lending practices or their mortgage has ballooned to a payment they can no longer afford; others are experiencing excessive fee and rate hikes on their credit cards from other providers at a time when money’s tight. Times have changed for businesses as well. Under the strain of tougher laws and a tough economy it has caused them to re-evaluate where they feel comfortable.

These types of circumstances often bring consumers home to their community credit union that will consistently work on their behalf and not for profit. Members own VyStar and their Board of Directors serve in their best interest and without compensation. Unlike other institutions, there are no shareholders. As a credit union, our focus is giving back the earnings we make in the form of lower cost loans, competitive deposit rates, no or lower fee services and a wide array of distribution systems to ensure members can access their funds when and where they want, at their convenience. Because of this, you will enjoy considerable cost savings, support, and security in belonging.

VyStar members receive practical advice when coming to us for a loan – we are against predatory lending – and only lend responsibly. We also know members could eventually have problems making their payments because of unforeseen circumstances and hope they will come to us right away for free services, advice and solutions to help them get through difficult periods.

We don’t think it’s a good idea to charge people more money, especially now. Recently we made a positive decision in our members’ best interest to leave all of our current credit cards at a fixed rate. This is in response to new laws and may be different from many credit card companies who are changing their programs, sometimes to the detriment of consumers. We are against excessive fees, penalties and unreasonable rate hikes and ask that you compare your other cards with VyStar’s. Call us or stop by a branch if you would like to switch – we’ll make it easy to apply and it won’t cost you a thing to move your balances over.

While we offer our members access to loans at a lower rate and with fewer fees than other institutions, we also encourage members to build savings and invest for their future. Our members receive competitive dividends on the money kept in their accounts with VyStar. The dividend rates you receive on products such as Certificates of Deposit (CDs), Health Savings Accounts (HSAs), Individual Retirement Accounts (IRAs), Money Market Accounts, Regular Savings, and Checking are dependent upon the rates that we receive for loans and the income we receive from investments, as well as our ability to effectively manage the cost of our operations.

We always focus on taking good care of our members’ money. That is just one of the reasons VyStar has continued to operate soundly during this challenging economic environment. We are conservative and operate in a sensible manner at all times. As the economic outlook improves and financial markets return to more normal functioning, we expect to see our rates improve for members.

Because of our members’ loyalty to their credit union, VyStar continues to grow and strengthen. It is important that you learn as much as you can about your credit union, what we do for our members and ultimately what we can do for you. We encourage members to take full advantage of all our products and services. This is your credit union, you own it. The more you use your credit union, the stronger it becomes for all members. We also encourage you to share the benefits of membership with your family, friends, neighbors and co-workers. Together we are making VyStar the success it is – building services that matter and for every financial need you may have now and in the future.

VyStar was founded in 1952 by twelve people with $60 and a vision to provide a place for people and their families to save and borrow. Today that vision remains alive and growing by bringing the value of credit union services to over 356,000 members with assets approaching $4 billion. During all these years, our vision and mission have remained the same. We want to provide a safe place for our members, their families and friends to save money, borrow money and obtain the other financial services they need and want.

Compare our credit cards to others and we think you’ll agree, VyStar’s Platinum Rewards Visa®, Visa® Gold and Visa® Classic cards are a better value. With VyStar’s consistently low interest rates that will remain the same on the purchases you make now, you’ll save hundreds, even thousands of dollars in interest compared to other cards. Our fees are kept to a minimum. For example, we do not charge annual fees or transaction fees for cash advances and other types of transactions as many card providers charge. Many of our members don’t pay any fees on their cards at all. If you use a credit card provided by another card issuer, perhaps this is a good time to switch to a card provided by your credit union.

9.90% APR – VyStar Platinum Rewards Visa® with CURewards

• Powerful Credit Lines starting at $1,250
• Earn CURewards® points on qualified purchases
• Redeem your points for free merchandise and exciting travel opportunities
• ATM Credit Card Cash Advance around the world
• $500,000 Travel Accident Insurance

• Credit lines starting at $375
• $500,000 Travel Accident Insurance
• Get a cash advance at ATMs around the world

• Credit lines starting at $375
• $250,000 Travel Accident Insurance
• Get a cash advance at ATMs around the world

• No annual fee and no inactivity fee
• No minimum finance charge
• No transaction fee for purchases or cash advances
• No penalty rates that increase with a late or missed payment Low minimum payments Interest-free grace period
• Free electronic payment services
• Free travel accident insurance
• Free electronic security protection and monitoring services

• Place your order on VyStar’s website and select a card design you like.
  
  
• Customize it with recipient’s name and your personal message.
  
  
• Choose a dollar amount from $20 up to $500.
  
  
• Easy activation and easy to replace if lost or stolen (unspent amount).

• Free VyStar Custom Checks or a $10 credit toward other styles ordered from VyStar
• Free Traveler's Checks
• Free Photocopies
• Free Direct Collection of Bond Coupons and Foreign Checks and Drafts
• Free Wire Transfers

• Internet/Mobile Banking (account information, funds transfers, free Bill Payer, e-Statements)
• Text Message Banking from your cell phone
• Magic*Touch voice response phone service (funds transfers, monitor account/pending transactions and balance information)
• ATM Service with your ATM or Check Card
• Direct Deposit of pay and retirement checks
• Easy-Pay automatic credit card payment service

© 2009 VyStar Credit Union