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IN THIS ISSUE
HOLIDAY CLOSINGS

Memorial Day
Saturday, May 26th


Independence Day
Wednesday, July 4th
ViaHELOC
 
Imagine what you could do with a HELOC
If you have gained equity in your home over the years, you can use that equity for home improvements, new car, tuition, big vacation, medical bills, or even debt consolidation. 
  • One-Time Application1 - your money is available as you need it, without going through the application process each time.
  • Save on Fees and Taxes2 – there are no annual or application fees and no closing costs!  Plus, the interest you pay may be tax-deductible.
  • Variable Interest Rate3 - as low as 4.895%.
  • Maximize the Equity4 – borrow up to 95% of the value of your home. ViaConnect or transfer by phone or at any teller line.
  • Convenient Access- through ViaConnect, ViaMobile, by phone or at any branch.
  • Low Monthly Payments - minimum payment is 1% of outstanding balance, but not less than $20.
 

To apply, call 765.674.6631 or stop by any branch.
 
1Loan approval is subject to underwriting guidelines. 
2Consult your tax advisor regarding the deductibility. 
3Rates are based on credit score and loan value ratio. From 4/1/18 - 6/30/18, is the variable APR ranges from 4.895% - 6.895%. The variable interest rate, subject to change quarterly, is based on the six-month Treasury Bill. The APR will not increase by more than 2% APR per year and a maximum of 6% APR over the life of the loan.  Property Insurance is required. Some restriction may apply. Programs, rates, terms and conditions are subject to change without notice. 
4Borrow up to 95% loan to value with minimum credit score of 690 and a first ViaMortgage. 
5Cash advance amounts are based on pre-approved limit. Monthly payments are based on the balance after the most recent advance and does not change until you receive the next advance. Minimum monthly payment is 1.0% of new balance, but not less than $20.
 
April is Youth Month
 
Every child dreams about their future. Some of those dreams may require money to come true. How do you help your children achieve their dreams?

One way is to help them learn how to save their money. ViaCU has created programs and services designed specifically to teach children to save at a young age, such as: 
In addition, members under 18 who makes a deposit at a branch during April can enter to win a sphero mini robotic ball as well as be part of the National Youth Saving Challengefor a chance to win $100!

The theme this year is "The Science of Saving," showcasing fun, sci-fi-inspired characters. Science has proven that if you start with small goals, saving your money can become a regular habit. This year's Youth Month inspires children to begin saving the money they earn so they can attain their dreams of a happy future.  

To learn more, visit us online here

1National Youth Savings Challenge's Official Rules
 
ViaCU donated nearly $4,000 worth of items to School Nurses
 
Each year staff and members make donations to the Nurse’s Aid program through Jeans Days and by purchasing the ViaCU Recipe Books. This year, Via Credit Union was able to provide area school nurses with nearly $4,000 worth of items such as lice shampoo, clothing and personal hygiene items!  Via CU member, Jessie Shields, also donated several homemade hats and gloves. 
Pictured: Warsaw Branch teller, Becky Stevens delivering items to Edgewood Middle School nurse, Tracey Akers and Hartford City Branch Manager, Bob Sine, delivering items to Blackford Middle School nurse, Carrie Monroe. 
 
Watch your earnings stack up!
 
ViaCU’s certificate rates are the perfect choice for saving when liquidity is not an issue. Think of ViaCertificates as your personal monthly money-making machines!
  • Dividends compounded and paid monthly
  • Open with as little as $500
  • Flexible terms - up to 71 months
  • Competitive saving rates
Find a branch near you to open a ViaCertificate.

*APY=Annual Percentage Yield. Rates effective as of April 4, 2018 and are subject to change. Dividends are compounded and credited monthly. Early withdrawal penalties apply. Certificates with a term of 3-17 months are subject to a penalty for early withdrawal of 60 days dividends on principal withdrawn, whether earned or not. Certificates with a term of 18-71 months are subject to a penalty for early withdrawal of 180 days dividends on principal withdrawn, whether earned or not. Minimum $500 balance.
 
Need S'more Spending Money?
 
Are financial worries threatening to drain the fun out of your spring?  Take advantage of ViaSkip Payment and you’ll be free to skip your loan payment on a closed-end ViaCU loan once every 12 months. Use the extra cash for a vacation, shopping spree or whatever you wish!
 
If you are interested in skipping next month's loan payment, please complete the ViaSkip Payment form.
 
Questions for ViaInsurance Agent: Beth Combs
 
Is my summer toy covered?
Spring is here! As we tune up the ATVs, boats, RVs and golf carts, remember there is very little or no coverage for these toys under the home and auto policy. Make sure you have coverage in place before the fun begins! Insurance is peace of mind in our fun-filled days. 


If you have questions or would like a no obligation quote, contact Beth Combs at 765.662.3700 or submit the online form.
 
Docu-Shield Community Shred Day
 
Community Shred Day is Saturday, May 5, from 11:30 am to 2:30 pm.  This service is available for individuals, not businesses.  Docu-Shield is part of the Carey Services’ sheltered workshop located at 2724 South Carey Street in Marion (across from Lowe’s on the Bypass).   No magazines or newspapers, please.
 
Local Business Financing 
 
Via Credit Union has recently partnered with over 30 local businesses to provide fast and convenient financing for anything from golf carts to automotive repairs to flooring. 

Here's how it works:  
  1. Visit a participating business.
  2. Let the business know you'd like to finance your purchase with ViaCU. 
  3. The business will take your credit application and forward it to a ViaCU loan officer. 
  4. Once the application is processed, you'll complete the loan documents then be out the door. 
Local business owners - if you're interested in partnering with ViaCU to provide financing to your customers at no charge to you, please contact Sarah Case at scase@viacu.org.
 
eChallenge Winners
 
The following members took the eChallenge during 1st Quarter 2018 and earned $100!  Congratulations to all winners!
January Winners
ViaBill Pay Rebekah Snedigar
eStatements Jeffrey Miller
Mobile Deposit
Dylan Prater
February Winners
ViaBill Pay
Kim Porter
 
eStatements
Steven Moore
 
Mobile Deposit
Jennifer Goff
March Winners
ViaBill Pay
Betty Murphy
eStatements
Donald Howell
Mobile Deposit
Chandler Ballinger
Members that made a payment in ViaBill Pay, enrolled in eStatements or made a deposit using ViaMobile from January 1, 2018 to March 31, 2018 were entered into a monthly drawing to win up to $100.  Winners were notified by the 15th of the following month.  Staff of ViaCU and their immediate family were not eligible to win.
 
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