flood relief programs   free checking   atm cards available
estatements   more parking   new heloc
protect your id   online banking   free credit report
cosmetic surgery loan   retiring this year?   need extra cash? deals on auto loans   cut your car loan   recreational loans
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Credit Union offers Flood Relief Programs

The Vanderbilt University Employees Credit Union has created three new loan products to help employees deal with financial fallout from the flood. Each of these new programs will be available May 10 through August 31. To participate in these loans, an employee must be a member of the credit union, which can be joined by depositing $25 and paying a one-time fee of 25 cents. You must also show proof of loss due to the flood.

Program #1
“People Helping People” Flood Relief Loan
$1,000 for 10 months at 0% APR
The loan will be repaid via payroll deduction of $100 per month for 10 months. You must be employed at Vanderbilt for at least 12 months to qualify for this loan. The maximum number of “People Helping People” loans offered will be 250, and they will be offered on a first-come-first-served basis.

Program #2
Loan Payment Extension
We will defer 1 month payment on existing loans. The loan payment will be added to the end of the existing loan and interest will continue to accrue. To qualify for the extension, the loan must not be delinquent or delinquent in past 6 months and a loan extension must not have been granted in past 12 months.

Program #3
“Appliances Loan”
Up to $5,000 for 24 months at 9.9% APR
This loan can only be used for the purchase of appliances. The loan will be secured by a UCC-1 form and the member will be responsible to pay the UCC-1 filing fees. This loan cannot be combined with other loans and must meet all existing credit union loan policies and guidelines. The loan check will be made payable to merchant or credit card company and the loan amount cannot exceed the amount of appliances purchase price

The Credit Union also continues to offer services such as a 3 percent Home Owner Equity Line of Credit (HELOC), a Personal Line of Credit and a Signature Advance Personal Loan.

Credit Union staff is available to counsel on the best product(s) to meet your individual needs. To set up an appointment or for more details on the program, how to apply, and its restrictions, please call 615-936-0300 x-70269

The Best Just Got Better…FREE Checking Is Here

A Simplified “One Decision” Strategy for Managing Your Money

We couldn’t be more excited! With the launch of Share Draft (Checking), Vanderbilt University Employees Credit Union wants to become your Primary Financial Institution.

 

Click image to enlarge

ATM Cards Now Available for your Savings Account

Apply today. Your Vanderbilt University Employees Credit Union ATM Card and Visa Debit Check Card can be used surcharge free at credit union owned ATM’s located at:

• Vanderbilt Children’s Hospital
  2nd Floor Outside Food Court
• The Vanderbilt Clinic
  2nd Floor Outside Courtyard Café
• Medical Center North
  Round Wing Lobby
• School of Nursing
  Frist Hall
• Vanderbilt Health One Hundred Oaks
  2nd Floor Outside Food Court

Your Credit Union ATM card can also be used at all PRESTO! ATM’s located at Publix Stores surcharge free!

Introduction to credit union ATM card

Bank Green

Support the environment. Use our FREE Online Banking and choose E-statements to save time, energy, and paper. According to a recent report, about half of all U.S. households use online banking. If everyone did so, the results would be remarkable:

• More than 16 million trees would be spared
• Fuel consumption would drop by 26 million BTU’s – Enough to provide residential power to
     San Francisco for a full year
• About 1.6 Billion pounds of solid waste would be eliminated – equal to 56,000 fully loaded garbage trucks

Once enrolled, you will receive your credit union statement the first business day of each quarter from our secure Online Banking website. You will be able to view and print your statement along with all inserts.

To enroll, YOU MUST ALREADY BE ENROLLED IN ONLINE BANKING. From the credit union’s website, Click Online Banking, then Click ESTATEMENT from the left navigation bar and follow the instructions.

For more information and instructions on enrolling, please click to see the instructions.

More Parking – New Traffic Pattern

There have been a few changes if you are driving to the credit union office. Please enter through the DIXIE PLACE entrance. TAKE A TICKET and bring it with you. TURN RIGHT, drive past the credit union office.

30 MINUTE parking spaces are available facing 21st Avenue or facing the Vandy Deli side of the building. ALL PARKING IS FREE. We will validate your ticket if you are visiting for more than 30 minutes.

Click to view the traffic and parking map

Credit Union Now Offers Home Equity Line of Credit Loan --

• Variable Interest Rate
• Rates As Low As Prime - 1.50%
• Floor Rate of 3.00%
• Financing Up To 90% Equity
• No Closing Costs
• Interest May Be Tax Deductible
• 5 Year Draw/15 Year Repay
• Simple Interest
• Payroll Deducted Payment
• Rates as low as 3.00% APR

For more information, call (615) 936-0300. For additional consumer information from the Federal Reserve - click here.

All loans are subject to credit approval and appraised value of the house. Payment includes principal and interest. Closing costs are waived with initial advance of $10,000 or more. Check with your tax advisor about tax deductibility of interest. Credit Union is an Equal Housing Lender.

Online Banking Now Available...
Anytime—Anywhere Account Access

We have added online account access to increase your convenience. We know that not everyone’s work shift allows them access to the credit union during business hours. Now you can access your credit union account balances 24 hours a day/7 days a week.

To enroll in Virtual Branch Click “online banking” tab on our home page then click “getting started” tab. If for any reason you get an error message, please contact the credit union office at 615-936-0300.

Enroll in Electronic Statements
Once enrolled, you will receive your credit union statement the first business day of each quarter from our secure Online Banking website. You will be able to view and print your statement along with all inserts.

To enroll, YOU MUST ALREADY BE ENROLLED IN ONLINE BANKING. From the credit union’s website, Click Online Banking, then Click ESTATEMENT from the left navigation bar and follow the instructions.

For more information and instructions on enrolling, please click to see the instructions.

Get Your Free Credit Report
Prevent Identity Theft

Your are entitled to one FREE credit report yearly from the three national credit bureaus – Equifax, Experian, TransUnion. Here's how to order your reports:

Call 1-877-322-8228 or visit their website at   www.annualcreditreport.com.  Fill out the online request form or print the online request form and
mail it to:
Annual Credit Report
Request Service
PO Box 1105281
Atlanta GA 30345-5281

New Cosmetic Surgery Loan Now Available

• Borrow Up To $10,000
• Fixed Rate 9.9% Apr
• Monthly Payment $250.00
• Easy Payroll Deduction
• Completely Confidential

Loans are available only on procedures done through The Vanderbilt Department of Plastic Surgery. Certain restrictions apply and loans are subject to credit approval. More information is available in The Plastic Surgery Department or call the Credit Union Office at 615-936-0300.

Need Extra Cash? — Use Your PLC

Whether you need "quick cash" for a well deserved vacation or to fix up the house, our Personal Line of Credit (PLC) is the solution. Apply one time, then use it as you need it. Apply for up to 2X your monthly pay and get a low fixed rate of 12% and fixed monthly payroll deducted payments.

Retiring This Year?

When you retire from Vanderbilt, you can keep your Credit Union Membership and all its benefits. With ACH, we can still make a monthly deposit into your credit union account from your checking account.  Please let us know the date of your retirement so that we can make sure your quarterly statements are sent to your home. Give us a call at 936-0300 or stop by.

Deals on Auto Loans!

Refinance Another Lender's Auto Loan
With Your Credit Union

Email Laydesh Harris for a payment quote today!

Recreational Equipment at Car Loan Rates

The credit union offers the same LOW INTEREST RATES on recreational equipment as it does on car loans. Right now, you can finance NEW equipment at 4.99% for up to 72 months and USED equipment (2003-2010) at 4.99% for up to 60 months.

To have a loan application faxed or emailed to you, just email Laydesh Harris  or call 936-0300. Remember, we have SAME DAY LOAN DECISIONS.

We do business in accordance with
the Federal Fair Housing Law and the
Equal Credit Opportunity Act.

Your savings federally insured to at least $250,000 and backed by the full faith and credit
of the United States Government. National Credit
Union Administration, a U.S. Government Agency.