HCCU VISA Gift Cards

The right size…

The right color…

Goes with everything…

VISA® Gift Cards…

http://ow.ly/TbhIl 

The perfect fit every time! 

They are perfect for everyone on your list this holiday season! It’s the gift of choice that can be used almost everywhere including online merchants.

You choose the dollar amount, from $10 - $500, and they choose where to spend it. Since you choose the amount, there’s no overspending and there’s no fighting for parking spaces or standing in long checkout lines at the mall!

Post by: Cari J.

Holiday Shopping Tips!

Holiday shopping is just around the corner, and HCCU has a few tips for you this holiday season:

http://ow.ly/TbdyC 

Tip #1—Use the Right Card.

Before you start shopping check your credit cards and see which card has the best rewards program so that you get the most back.
If you spend more than you saved, check which card has the lowest interest rate before you start charging.
HCCU offers VISA® Credit Cards with lots of great benefits! If you don’t have one yet. get the details or apply today: visit our website at www.horizonccu.com or call (920) 433-0122.

Tip #2—Check out the EXTRA perks your HCCU VISA® Credit Card get you.

Yes, there are all the regular benefits our card offers; low rates, no annual fee, no balance transfer fee, and Scorecard Rewards Points, where you earn 1 Scorecard Point for every $1 you spend with your HCCU VISA Credit Card on purchases.
In addition, VISA® is giving away a Grand Prize trip to Super Bowl 50 and a 1st Place Prize of $5,000 to throw a Super Bowl bash to be remembered. All you have to do is use your VISA® card between now and 11/30/2015.
If that isn’t enough, HCCU is also giving you a gift this season! Use your HCCU Credit Card between 11/1/15 and 12/31/15 and earn DOUBLE REWARD POINTS! That means 2 Scorecard Reward Points for every $1 you spend! When you’re done with your shopping you can redeem your points and get yourself a little something at www.scorecardrewards.com.

Tip #3—Use It’sMe247!

Our online banking is a fast and easy way to get current account balances, transfer money between accounts, reconcile your checkbook, and more, plus it’s available 24/7. Did we mention it’s FREE? Try it today—contact us to activate your online account.

Tip #4—Ditch Checks.

We have a MUCH better solution for you than writing out paper checks at the store—a VISA® Debit Card from HCCU. You can use it at merchants and if you select credit the money still comes right out of your checking account. By selecting credit and signing instead of entering your PIN, it VISA offers you more fraud protection. If you have direct deposit, are a student, or you’ve celebrated your 50th birthday already, your 1st debit card is FREE. Apply today!

Post by: Cari J.

Pay off your holiday debt AND save money doing it!

Cleaning up your debt from the holidays quickly will put you in a much better financial position for the rest of the year, and having a low interest rate will give you the opportunity to pay it off much faster.  There are lots of credit card offers out there, and it can all seem very confusing.  So how should you tackle it?

First, check with the credit cards you use to see if they are offering any specials.  Many places run balance transfer special periodically.  A couple important things to find out are, what is the special rate, how long is that rate in effect, will the rate go up if I make a payment late one month, what will my rate be if I still have a balance remaining after the special rate has expired, is there a maximum amount I can transfer, and is there a fee to do a balance transfer (if so, find out how much).  Next, compare your offers to see which one is best for you.

  

Now that you have found the right offer, gather all your credit card statements, and see which cards you are paying the highest interest on.  If you’re not sure which ones to move, call one of our friendly loan officers and make an appointment to go through your statements and find the best plan to get your credit card debt paid up.  You will be amazed at how much money you will save!

 

While you are comparing offers, make sure you check with us for more details on our special!  We are offering 0% APY*until 12/31/2015, but you have to do the balance transfer between 1/1/2015 and 2/28/2015 in order to take advantage of this great offer.  One biggie is that there is NO TRANSFER FEE!  That can be hard to find!  Don’t worry if you don’t have our VISA credit card yet, it’s easy to apply online at www.horizonccu.com and we can have an answer for you in a jiffy.

Whether you go with our offer or another, the important thing is to get your debt paid down and pay as little in interest as possible.  At HCCU we want to help you do that, so if you need some help or guidance, come talk to us!  Remember, success is on YOUR horizon…

*Offer valid on transfer done by a HCCU employee between 1/1/15 and 2/28/15.  APR is Annual Percentage Rate.  Balance transfer at special rate of 0%APR applies to HCCU VISA Classic, Platinum, and Home Equity Cards.  Special Rate does NOT apply to cash advances or convenience checks.  Rate is subject to change on 12/31/2015.  See a member service representative for credit card account details and disclosures.

Post by: Cari J

Happy Holidays from HCCU!

We know the end of the year is a busy time for many of you.  Traveling, decorating, shopping for gifts, returning gifts, celebrating...  All that fun can get expensive, and we would never want you to be without access to your cash!  In order to help you plan ahead, our holiday hours will be:

Wednesday, December 24th    8:30 am -  12:00 pm
Thursday, December 25th       CLOSED
Friday, December 26th            8:30 am - 5:00 pm
Saturday, December 27th        9:00 am - 12:00 pm   Voyager Dr. location only
Monday, December 29th         8:30 am - 5:00 pm
Tuesday, December 30th         8:30 am - 5:00 pm
Wednesday, December 31st    8:30 am - 3:00 pm
Thursday, January 1st             CLOSED
Friday, January 2nd                 8:30 am - 5:00 pm
Saturday, January 3rd              9:00 am - 12:00 pm   Voyager Dr. location only

To access your account information, It'sMe247 Online Banking and CU*Talk Phone Banking are available anytime of the day or night - even on holidays!  For cash, our ATM at Voyager Dr. is available 24/7 every day, but if that's not convenient for you, you can also use any ATM Alliance Network terminal without incurring a surcharge!  For a map of fee-free ATMs near you, visit the  ATM Alliance Network page on our website.

HAPPY HOLIDAYS FROM HCCU!  

Debit or Credit-Which should you choose at the checkout?

So many people carry a debit card (aka check card) these days. They’re so convenient, they’re safer than cash, and the card allows the vendor to take the money right from your checking account. But at the checkout you are often asked Debit or Credit. Which should you choose & what’s the difference?

You might think that since it’s a debit card you have to say debit, but that’s not true. The best option for you is to choose Credit! (Yes, choose credit even though you are using your debit card) The result might seem the same either way, since the money will still be deducted from your checking account, however there is a BIG difference.

Choose Credit and you will be asked to sign for your purchase. Signature transactions are routed through the VISA network, which comes with the additional security offered by credit card companies, fraudulent use protection, and VISA’s Zero Liability Policy.

Just so you know, because we want you to have all the facts before deciding what to do. The credit union does get paid a small amount for each transaction that is routed through as credit, but remember we are a credit union! We don’t give the money we earn to a couple people on our board. Any money we earn is returned to ALL our members by bringing you new products and services, keeping our fees low, our loan & credit card rates low and our deposit rates high.

Choose Debit however, and you will be asked for a 4-digit PIN number. These purchases are processed through an EFT system like STAR or NYCE which don’t provide the additional liability protection offered by VISA.

While it’s great for us to get that little bit of extra income, the real bonus is the added protection choosing Credit offers you. So unless you are going to use the cash back option on your transaction to avoid an ATM fee, choose Credit, and be assured that if sticky fingers get a hold of your card or card number, you will be protected!

Post by: Cari J.

Tis the Season - the Bells are Ringing!!

I heard (and saw) my first Red Kettle ringer yesterday at Festival.  Tis the season for the red kettle’s to come out and start raising money for the less fortunate families in our area.

In 1891, Salvation Army Captain Joseph McFee started the first kettle in San Francisco.  He was able to raise enough money to feed many needy families in that area.  Today in the U.S., The Salvation Army assists more than four and a half million people during the Thanksgiving and Christmas time periods. 

The Red Kettle Kickoff is just the beginning of an exciting Christmas season for The Salvation Army. In addition to the more than 25,000 Red Kettles located in storefronts and on street corners nationwide, there will be other ways for the public to get involved. 

For you mobile people out there, text the word “KETTLE” to 80888 and reply “YES” to donate $10.00.

You can also go to the website www.ringbells.org to sign up to ring bells at area businesses.  The Salvation Army has a list of businesses in the Green Bay, DePere, Howard-Suamico areas to choose from, starting with 2 hour periods of bell ringing.

I know everyone is busy during the holiday season, but it’s something the whole family can do together.  Plus, think about how good it would make you feel to know that you have helped out with this great cause!

Posted by: Karen S.

Stock the Shelves - There's still time to donate today!

How many of us have ever really gone hungry for any length of time? Yet it is one of the biggest challenges a lot of families have: how to pay for quality, nutritious food. It’s sad, and the worst part is that most of those affected are children.  Sometimes the only real meal they get is at school. When school is not in session many don’t even get that. 

So many people are turning to food pantries to help fill their kid’s needs, the demand is huge.  We at Horizon Community Credit Union have joined many others in the Stock the Shelves Campaign. Please join us in helping those in need, especially during this holiday season, and give the gift of a full belly.

You can stop in at either one of our branches, located on Eastman Ave. or at the Voyager Branch and drop off your non-perishable donations.  Or you may choose to donate a monetary gift which will be given to the Stock the Shelves campaign. Donations must be received by the end of the day today for this year's campaign.  We thank you ahead of time for any and all donations, you don’t have to be a member to drop off donations, so stop by and help us fill our shopping carts.

Post by: Lori S.