logo#4 
 
 
September 2010 Newsletter
 
              Visit our website!   www.swlacu.com
 
 
Your Credit Union will be participating in the
American Cancer Society's
BREAST CANCER WALK
OCTOBER 2, 2010
BREAST CANCER WALK 
Help Support Your Credit Union TEAM!
  It's a Bake Sale at your Credit Union beginning Sept 1st through September 30th! Stop by, any three locations, and purchase some sweet treats.  All funds will be donated to the American Cancer Society Breast Cancer Walk!  THANK YOU FOR YOUR SUPPORT!

"SEG Spotlight"

DeQuincy Home Health

dequincy mem 2 
Members since January 2010
  

For over 15 years DeQunicy Home Health has provided specialized care to the patient in the comfort of their home among family and friends. Our home health provides a wide range of services such as, medical, social and therapeutic treatments, as well as activities associated with the patients daily activities under the direction of their physician. With branches in DeQunicy, Lake Charles and DeRidder we service Calcasieu, Beauregard, Allen, Jefferson Davis and Cameron Parishes.

Please contact our main office in DeQuincy, LA if you have any other questions about our services. 337-786-1638

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 DeQuincy Home Health 
 
All information was provided by
 DeQuincy Home Health.
Upcoming Events:  
 
  • September 17th - Chamber Golf Tournament.  Bring your appetite!  
  •  September 24th - Member Appreciation Day!
  • October 2nd - Breast Cancer Walk 
  • October 21st - International Credit Union Day! Local. Trusted. Serving You.
  • and Much More!  
     

MOBILE BANKING

mobile banking

COMING SOON! 

WATCH OUT FOR MORE DETAILS!

SKIP-A-PAY is on its way!

Beginning in October you can choose to SKIP your loan   payment(s) in November OR December.                          For any reason!

CALL FOR DETAILS!

HAVE A HEART
  FILL THE CART! 
 JOIN US DURING THE MONTH OF OCTOBER IN AN EFFORT TO LEND A HAND TO OUR COMMUNITY!  
 
HEART CART 2 
WE WILL BE COLLECTING
 NON-PARISHABLE FOOD ITEMS DURING THE MONTH OF OCTOBER TO DONATE
TO THE FOOD PANTRY IN
 LAKE CHARLES!
YOU CAN MAKE DONATIONS AT ANY OF OUR 3 LOCATIONS!

Committed to our Community...

Family Festival 2010

Thank you to Laurie, Phyllis and Jill! They had a "great time" Saturday, August 21st at the Family Festival located in the Lake Charles Civic Center.

 
MORTGAGE RATES ARE
 AT AN ALL TIME LOW!
 TAKE ADVANTAGE TODAY!   
WE CAN HELP YOU WITH
PURCHASES, REFINANCING,
LAND ONLY & NEW CONSTRUCTIONS!

HOME ARROW

   
CONTACT OUR REAL ESTATE  SPECIALIST
 RENEE HILL FOR DETAIL
 Call 337-477-9190
 
"Meet the Staff"
Karen says "Keep an eye
on your Credit Report".

Karen Hagen (14 years of service), Loan Department Manager
Karen Hagen

  
What is a credit report?
A Credit Report is a snapshot of your experience with credit-related accounts. Aside from some basic personal information, like your name and address to help identify your report, there are three main types of information on your Credit Report.
  • Public Records
  • Credit Inquiries
  • Accounts
What is a credit score?
A credit score is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan or service. Most credit scores estimate the risk a company incurs by lending a person money or providing them with a service. Generally the higher the score, the less risk the person represents.
 
There are three National Credit Bureaus. They are as follows:
 
EQUIFAX
PO Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
www.equifax.com
 
TRANSUNION
PO Box 1000
Chester, PA 19022-1000
www.transunion.com
 
EXPERIAN
701 Experian Parkway
Allen, TX 75013
1-888-397-3742
www.experian.com/reportaccess
 
Why doesn't the information on the Three Bureau Reports match from bureau to bureau?
The three national credit bureaus do not share information with each other, so if your creditor only reports information to one or two of the bureaus or only pulls inquiry from one bureau, then the information won't appear on all three reports.
 
Watch out for identity theft! What about a "fraud alert"?
You have the right to ask that nationwide consumer credit reporting companies to place "fraud alerts" in your file to let potential creditors and others know that you may be a victim of identity theft. A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you.
 Still don't
 utilize Direct Deposit?
 
  What are you waiting for?  
  • Convenience
  • Reliability
  • Security
  • Flexibility
 Hurricane Season is here!
 Don't get caught in the storm
 without any money!  
 
 Bank "anywhere" in the US.  Click on CU Service Centers link at the bottom of our website. www.swlacu.com 

Important Notice Regarding Courtesy Pay!

Overdraft Protection:  All members with checking accounts recently received a notice regarding a new change from the Federal Reserve.  ALL financial institutions are required to obtain consent to continue offering the overdraft protection on ATM and Debit Card transactions.  In order to continue to receive overdraft services that you currently have, without interruptions or any avoidable incoveniences, YOU MUST COMPLETE an OPT-In Form before July 1st, 2010.   Return your form or CALL today!. 
SUPPORTING THE CHILDREN OF OUR COMMUNITY!
 Together with donations from friends, YOUR Credit Union and O'Charley's Restaurant we raised $1009.00 and lots of School Supplies for CARE HELP of Sulphur
 
Paul Bruce with O'Charleys, Sue Ledet with Care Help of Sulphur, Jim Giffin CEO of Southwest Louisiana Credit Union
CareHelp and Ocharleys
  
Thank you for helping us make a better future for the children of our community!  
MONTHLY MEMBER APPRECATION DAY WILL BE SEPTEMBER 24TH and WE ARE CELEBRATING YOUR MEMBERSHIP ALL MONTH LONG!
 

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 Come by between September 
 1st thru the 24th

 to register to win  "MSU Season Tickets" or a "MSU Stadium Chair" given away to three lucky winners!

The drawing will be held on SEPTEMBER 24th!
 
COME CELEBRATE
 WITH US TODAY!

Wondering how you will pay for Christmas...Let us help!
KEEP YOUR CAR...TRADE IN YOUR LOAN PAYMENT!!!

REFINANCE TODAY!! 

Take advantage of our
LOW LOW LOW
 auto rates....
Rates as low at 3.95% apr
"PUT THE SAVINGS IN YOUR CHRISTMAS CLUB"
 
BACK TO SCHOOL SPECIAL IS STILL ON!!!
         UP TO $3000.00 @ 18 MONTHS
         In conjunction with all other signature loans! 
 
Need a break on gas prices?  Try our Motorcycle Special -  New or Used same great rate.  Finance up to 100% plus tax, title and license coupled with gap protection.  

Computer Loan Special - will finance 100% plus taxes! 

  Regular Lending Guidelines.  Some Restricitions Apply.
 Membership Has It's Rewards!

Hope you enjoy our "New Monthly" Newsletter!
  Tell your friends to
"Try the Credit Union Difference"