Your Road to Financial Solutions
eNews                                       December 2017
 IN THIS ISSUE
1% CASH BACK
DRIVE AWAY WITH 1% CASH BACK ON ALL VEHICLE LOANS AT PROGRESSIONS CREDIT UNION
 
Whether you are ready to purchase a new vehicle or want Progressions Credit Union to refinance your vehicle loan currently held with another lender, we have the loan for you.

At Progressions Credit Union, you can get 1% Cash Back up to $500.00* with the option of No Payments For 90 Days** on ALL vehicle loans including auto, truck, RV, boat, and/or motorcycle.

Our rates are competitive and we offer terms up to 96 months (on approved credit) for larger dollar autos. If you would rather beat your current lenders rate vs. receiving cash back, let us know and we may be able to beat their rate by up to 1%.***

Don't delay. Take advantage of these great offers today. Simply apply or contact us.


*/**/*** Disclosures here
HOLIDAY LOANS
FAST CASH FOR THE HOLIDAYS!
 
Sometimes you just need a little help and the Progressions Credit Union Holiday Loan can be the perfect solution. This special rate is much lower than the standard personal loan rate when the purpose is to help with the holidays.
  • Fixed rates as low as 6.99% APR*
  • Terms up to 24 months
Contact us or apply online today!

*Disclosures and rates here.
SNOWMOBILE LOANS
HAVE FUN IN THE SNOW WITH A PROGRESSIONS CREDIT UNION SNOWMOBILE LOAN

We have the snowmobile loan to get you out enjoying the snow this winter. We offer rates as low as 4.49% APR* and offer you flexible terms.

Contact us for more details or apply online today!


*Disclosure and rates here
SKIP-A-PAY
We would like to help you free up some cash with our annual Holiday Skip-A-Pay Program. For a nominal fee, you may elect to skip your December payment(s) on all eligible loans*.

The processing fee for each eligible loan payment skipped is:
  • Loans with payments of $50.00 or less - $15.00
  • Loans with payments of $50.01-$99.99 - $25.00
  • Loans with payments of $100.00 or more - $35.00
Visa Credit Card payments may be skipped with a $10.00 minimum voluntary donation to Children's Miracle Network (CMN). There is no processing fee for skipped Visa payments. The Visa Skip-A-Pay donations collected, along with $5.00 from every processing fee paid, will be donated to the Children's Miracle Network. CMN Hospitals treat children with afflictions such as: cancer, heart and muscular diseases, birth defects, cerebral palsy, AIDS, and accident injuries.

Skip-A-Pay forms and full Terms and Conditions are located HERE.


*To be eligible, your loan may not be secured by real estate or a mobile home, have a term over 84 months, or be opened for less than 90 days. If you participated in the Summer Skip-A-Pay in 2017, you will be limited to one (1) Holiday Skip-A-Pay. Other restrictions apply, so please see the Terms and Conditions on our website for more information.
INVESTMENT SERVICES
A MESSAGE FROM LAURA ZAHN, AAMS® REGISTERED REPRESENTATIVE CUSO FINANCIAL SERVICES L.P.*
Holidays are a good time for a family talk - not about politics!

If your family, or part of it, is gathering at the holidays, hopefully everyone is cheery. Which makes a great time to have a potentially difficult discussion!

Older parents need to communicate with children about their financial situation. The "kids" may brush it off - but believe me, they are wondering. Consider saying, "Now is the time to inform you about my situation when there is no crisis. I need 30 minutes."
Give each a copy of your living health care directive and power of attorney documents. "These are my wishes in case I'm disabled."

If you have long-term care insurance, make sure they have a copy of the policy - and know what the premiums are. If you don't, inform them of your assets: "I want you to know, here is a list of my accounts, balances, and who the financial institution/advisor is. If I need long-term care, I will 'spend down' to be Medicaid-eligible."

The reaction of your children may surprise you! The best planning is before a crisis happens, so open the lines of communication now.

There's no charge to come in for investment review. Give me a call today at 509.323.1323 or email me at laura.zahn@cusonet.com for a time to sit down! There's no time like the present - it's a gift!
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.  Investment Representatives are registered through CFS.  The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.
ONLINE SHOPPING SAFETY TIPS
With the holiday season comes the online shopping season. It's worth taking a few moments to ensure you're not giving the gift of your personal or financial information to online criminals! Identity theft, scams, frauds, and malware infections are serious problems that target shoppers during the holiday season and can arise from using your devices to find the perfect gift. Below, we will explore some key tips on how to follow safe online shopping practices in order to make your holiday shopping more secure.
  • Create and maintain your online shopping accounts safely.
    • Establish a strong password for each online shopping account. Always use more than ten characters consisting of upper case, lower case letters, numbers, and special characters.
    • Use different passwords for each of your online accounts. If one retailer experiences a breach in which your credentials are leaked, using the same password between accounts makes it quick and easy for criminals to exploit you and your information.
    • Check out as a guest to avoid saving payment information online. The inconvenience of having to enter your credit card information each time keeps you safer because a data breach at a retailer will not expose your financial information.
    • Use one credit card online or pay through a secure online mechanism. By using only one credit card online you're limiting the damage that can happen if malicious actors gain that information.
  • Shop with trusted online retailers while browsing safely
    • Use well-known online retailers that have an established reputation for cyber-security. Verify they have good contact information listed on their site, and check with the Better Business Bureau or the FTC if you have questions or concerns.
    • Look for the lock symbol at the top of your browser or "https" in your URL bar. These mean that your communications with the website are encrypted and safe from prying eyes.
    • Never shop or login to personal accounts when on public Wi-Fi or a public device. Public Wi-Fi can make all the personal information that you transmit visible to criminals. Public, shared devices, such as kiosks or library computers, can be infected with malware that will steal your information.
    • Do not leave your browser open on a shopping site for long periods of time. Websites that use advertising feeds have occasionally had them hijacked by cyber criminals, who are then able to put malware on your device.
    • Keep your devices up to date. Always apply updates to your devices and software when they are available. Keeping devices up-to-date means you have applied all the available fixes for known problems and vulnerabilities.
  • Be smart when it comes to email confirmations and tracking information.
    • Be careful which links you click in your emails. At this time of year a favorite trick among cyber criminals is to send emails purportedly from the major shipping companies with a link to track your package. These may be a scam to download malware.
    • Do not use your work email address for retail accounts. By using one of the free webmail accounts, such as Gmail or Hotmail, it will be much easier to identify a potentially malicious email coming to your work email, since online retailers should not know that email address. This can also help you prevent criminals from knowing where you work, which is information they can potentially use to hack into your work account.
COMMUNITY EVENT
Progressions  Credit Union had a booth at the recent Costco Fall Frenzy Event in the Spokane Valley. We saw several of our members at this event, as well as many others interested in learning more about us! We always love being out in our community meeting people.  Progressions Credit Union is locally owned by its members and has been since 1928.

If you are ready for a new vehicle, need help for the holiday’s, or want advice on building your savings and long term investments, we are here with financial solutions for you. Contact us or apply for a new account or loan today.


Congratulations, Kara, for winning a chocolaty warm and cozy prize package that included a thermo-blanket, box of chocolates, tin of hot cocoa and two Progressions Credit Union mugs.
 HOLIDAY CLOSURES
Monday, December 25
Christmas Day

Monday, January 1, 2018
New Years Day


Monday, January 15, 2018
Martin Luther King Jr. Day
Monday, February 19, 2018
President's Day

Monday, May 28, 2018
Memorial Day


Wednesday, July 4, 2018
Independence Day
CONTACT US
PHONE
509.535.0191
800.828.8691

SMARTLINE
509.535.8864
800.27.SMART 
 
MAIN BRANCH
2919 EAST MISSION AVE SPOKANE, WA 99202


NORTH BRANCH
1212 WEST FRANCIS AVE SPOKANE, WA 99205


Progressions Credit Union NMLS #784627

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the
United States Government
Our Privacy Policy is available online at Progressionscu.org and has not changed. You may also request a paper copy be mailed to you by calling us at 509.535.0191 or 800.828.8691.
 
Some of the links contained in this newsletter are to websites not operated by Progressions Credit Union. Progressions Credit Union is not responsible for the content of those websites and the privacy and security policies of those websites may differ from those of Progressions Credit Union.
 
Like Us                          progressionscu.org
©2017 Progressions Credit Union. All Rights Reserved. This email was sent to you as a Progressions member by Progressions Credit Union located at 2919 E Mission Ave, Spokane, WA 99202.
 
If you no longer wish to receive emails from us please go here.
 
powered by documatix