Bay Gulf Credit Union e-News Update

October 28, 2010

REFI or BUY

Any new or used vehicle

We're lending money! Refi or buy any new or used vehicle at our super low rates. Apply today at the dealership or any Bay Gulf branch.

Plus, get a $200 Walmart Gift Card with your loan!*

Apply now online >

*Offer valid as of October 20, 2010. Rates are subject to change. This is a limited time offer. This offer is not valid for the refinance of existing MIDFLORIDA or Bay Gulf Credit Union vehicle loans. To qualify for refinance, the loan must be at least 90 days old. Offer cannot be combined with any other MIDFLORIDA promotion. Credit approval required. Eligible vehicles should be 2008 or newer to qualify for this offer. Other terms and rates available. Loans of $15,000 or more qualify for the $200 incentive. Loans less than $15,000 will qualify for $100 incentive. Incentives will be mailed to the primary account holder using the address listed on record for the account. A 71-month car loan for $20,000 at rate of 2.99% (3.162% Annual Percentage Rate) would have payments of $307.69 per month.

Bye Bye $.50 Debit Card Fee

And Hello to New Lower Fees

Debit Card Payment Our new fee schedule is effective as of October 15, 2010, and includes the elimination of the $.50 debit card PIN transaction fee!

The new schedule also includes several other fee reductions. Take a look!

View the new schedule >

Westshore Branch Closing Dec. 1
ATM Will Remain Open

Due to low traffic and the increased need to deploy existing staff to other locations, the Westshore Branch of Bay Gulf Credit Union will close its doors on December 1, 2010. Existing Westshore staff members will join other Bay Gulf branches to enhance the level of service at those locations. The on-site ATM will remain operational for withdrawals indefinitely.

For those with safe deposit boxes at this location, you have the option of having the box (with the contents) relocated under armored security to the Waters Branch located at 3202 W. Waters Ave. in Tampa after November 30. Or, you may elect to relocate your safe deposit box contents personally to either the Waters Ave. or Land O' Lakes (2255 Collier Parkway) location prior to November 30. If you elect to remove your contents and discontinue the lease entirely, your fee will be prorated, if applicable.

We apologize for any inconvenience this may cause you, but feel this change is necessary to provide an improved level of member service. As we move forward, we will be looking for new locations to benefit the membership. Watch for future announcements on these locations.

Bay Gulf - officially a Division of MIDFLORIDA Credit Union!

The countdown is on until you have access to MIDFLORIDA's products, services, branch network, competitive rates, free popcorn on Fridays and more! Your accounts will be converted to MIDFLORIDA on January 31, 2011.

Watch for details to come!

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