Monthly Spotlight

Volume 5 • Issue 8 December • 2009

www.gmcu.com 800.808.2830
Branch Closings
Christmas Eve: Thursday, December 24
“Discover the Difference” Christmas Day:
(Closing at Noon)
Friday, December 25
New Year’s Day: Friday, January 1

Looking for a little extra Rate Watch

Holiday Cash? Loans
Auto, New - 2007
......................(as low as) 5.54% APR*
GMCU would like to help you put a little more
cash in your pocket this Holiday Season! Boat & RV, New - 2007
......................(as low as) 5.54 APR*

Apply for your Auto, Boat & RV, 2006-2002

......................(as low as) 7.14% APR*

$500-$1,500 Unsecured
......................(as low as) 10.99% APR*
Christmas Cash Loan Visa
at a low 5.90% APR* ......................(as low as) 8.49% APR*

Mortgages
until Dec. 24th! First Mortgage
A loan amount of $750 would have a monthly payment of ......................(as low as) 6.29% APR*
only $77.04! Call 800.808.2830 for more information. Home Equity
*APR is Annual Percentage Rate. All loans subject to member credit qualification. Loan
......................(as low as) 6.29% APR*
term is 10 months. Fixed-rate mortgages are available through the
secondary market. For current rates and information,
contact Carey at 320.679.3863 or 800.808.2830. Lowest

2009 Santa Days are Here!

rate subject to credit score and checking/auto pay
relationship. Rates are subject to change at any time.

Certificates
$500 minimum deposit.
A tte ntion CirCUs 12 month...........1.61% APY**
C l u b Members! 18 month...........1.76% APY**
There is still time to Visit Santa! 24 month...........2.02% APY**
36 month...........2.27% APY**
Milaca Wed. Dec. 09, 4-6:00 pm 48 month...........2.27% APY**
Pine City Fri. Dec. 11, 4-6:00 pm 60 month...........2.37% APY**
*Annual Percentage Rate.
Isle Tue. Dec. 15, 4-6:00 pm **Annual Percentage Yield.
Penalty for early withdrawal. Rates are
Elk River Fri. Dec. 18, 4-6:00 pm subject to change at any time. Rates are
current as of 11/24/09. For current rates,
Get your FREE T h a n k yo u t o e ve r yo n e w h o j o in e d u s in Og i l v ie a n d Mo ra ! please go to www.gmcu.com. For more
picture taken information, contact our Call Center at
800.808.2830.
with Santa!
Don’t forget to bring your Christmas Wish List!
 Holiday Budgeting Tips
The holidays are just around the corner and it won’t
be long before families are exchanging presents. Holi-
days and gifts can take a big bite out of your budget
so planning ahead will help keep your budget under
control.
It is important not to get caught up in the last min-
ute emotion of the season and spend more than you
planned. Holiday over-spending ruins many festive
occasions and can result in long repayment schedules.
Here are some suggestions to help relieve holiday
stress:
◊ Shop early for gifts using a list. This allows you to
take advantage of sales, specials and bargains. Just
don’t over buy or forget you have already shopped for
someone.
◊ Make your own gifts. Use skills you have to sew,
bake, paint or make crafts.
◊ Utilize layaway plans if possible. Most allow you to
pay at a rate you can afford either weekly or monthly.
◊ Shop your local craft fairs and shows for specialty
items - you’ll find some great ideas. Sometimes you
can bargain with the vendor.
◊ If you plan to fill stockings or bags for the children,
try putting a few pieces of fruit (apples & oranges) in
the bottom first. Also, coloring books and scratch pads
make great inexpensive fillers.
◊ Consider starting a Christmas Club account at
GMCU to help you save throughout the year.
Don’t forget to plan ahead for expenses such as
holiday decorations, special candies, baking supplies
(especially if baking for gifts), increased utility bills,
food consumption, and wrapping paper. These ex-
penses are rarely considered and can really add up
fast.
Shopping Safety
Keep your eye out for theft and fraud at this time of
year. Follow these simple rules:
◊ Keep a list of all credit card account numbers, with
company phone numbers, in a safe place, not with
you.
◊ After a purchase, destroy all credit card carbons
(or incorrect receipts you have corrected).
◊ Never sign a blank receipt.
◊ Keep your credit card in view at all times when
using it for a purchase.
◊ Always notify the creditor immediately if there is an
error on your billing statement.
As a member of GMCU, you can take advantage of the
Accel program, a free financial education and counsel-
ing program.
To use this new service, simply call 1-877-33ACCEL
(332-2235) or visit them on the
web at www.accelservices.org

Holiday Charity Drives at GMCU

GMCU is proud to partner with local agencies to bring hope and toys to children in our local
communities. If you have a toy donation you would like to make, please bring the items to
the following GMCU locations: Mora, Milaca, Isle, Elk River and Pine City.

Our Ogilvie branch has partnered with the Ogilvie Schools to collect food for
their “Lion P.R.I.D.E. Backpack” program. This program was designed to help
students in need receive adequate nutrition during their three day weekends.
They hope to help 60+ families every two weeks! Please drop off any non-perishable items or
cash donations you would like to contribute at our Ogilvie branch!
For more information, please contact GMCU. Thank you for giving this holiday season!

Branch Telephone # Mora, Milaca, Isle, Pine City and Ogilvie Branch Hours
Mora 320.679.3863 Monday - Thursday Friday Saturday
Milaca 320.983.2511 Lobby: 8:30 am - 4:30 pm Lobby: 8:30 am - 6:00 pm Drive-thru: 8:00 am -12:00 pm
Isle 320.676.3607 Drive-thru: 8:00 am - 5:00 pm Drive-thru: 8:00 am - 6:00 pm
Elk River 763.441.3842 Elk River Branch Hours
Pine City 320.629.1178 Monday - Thursday Friday Saturday
Ogilvie 320.272.9918 Lobby: 8:30 am - 4:30 pm Lobby: 8:30 am - 6:00 pm Lobby: 8:30 am -12:00 pm
Toll Free 800.808.2830 Drive-thru: 7:30 am - 5:00 pm Drive-thru: 7:30 am - 6:00 pm Drive-thru: 8:00 am -12:00 pm
Call Center Hours
Monday - Thursday Friday Saturday
7:30 am - 5:00 pm 7:30 am - 6:00 pm 8:00 am -12:00 pm