TBF Newsletter May 2010

Greetings!

Thank you for subscribing to Tampa Bay Federal's monthly newsletter, through which you will receive valuable information regarding your changing financial needs. 

We are also excited to announce that a brand new web site is in the works and will be launching in the next couple of months. Watch this newsletter and the current site for details.
VISA Rewards Bonus!
 
Family GiftsVISA Rewards provides an added bonus! Apply for yours today! 
 
Not only is the rate lower than many cards in your wallet, but every purchase also offers you the opportunity to earn one point for each net dollar spent. Points earned can be redeemed for gifts and travel packages.
 
                                                         more about VISA Rewards >>
Contents
VISA Rewards Bonus
You CAN Sell Your Home
FAME Foundation Helps Members
Overdraft Protection Changes
75th Anniversary Winners
Quick Links
 
 
 
 
You Can Sell Your Home--Even in a Down Market
 
The Home & Family Finance Resource Center states that by following the three P's--pricing, preparation, and publicity--your home may sell faster than you think. According to Dick Gaylord, a broker/associate with RE/MAX Real Estate Specialists of Long Beach, California, "those that are priced right and are being marketed properly are selling."    
Home & Family Finance Logo 
PRICE your home right depending on your local market.
PREPARE your home by uncluttering, rearranging, cleaning, and landscaping.
PUBLICIZE through your real estate agent or on your own, especially online.
 
The bottom line? With the right price, preparation, and publicity, you can sell your home in any market.
 
 
Equal Housing Lender LogoTampa Bay Federal FHA Loans
  • Low fixed rates
  • Gift funds to 100%
  • Streamlined refinance options                                                                   Home Loan Express >>
  • 3.5% down payments                                                                            login to apply online >>
  • Seller contribution up to 6% of sales price                 review all real estate solutions >>
  • High and flexible qualifying ratios                                             
  • Non-occupancy borrowers allowed                                              or call Jay Kim, (813) 541-4002
  • Loans are assumable                                                                        or Mike Birch, (813) 545-6697
  • Plus many more benefits
Assist Your Fellow Members

The FAME Foundation--Family Assistance for Member Emergencies--provides FAME Foundation Logoemergency assistance in the form of financial aid to Tampa Bay Federal members and their families who have experienced  hardship because of catastrophic illness or event.

In the credit union philosophy of people helping people, you can help fund FAME for needy members for as little as $1 a month.

It's easy to sign up and help. Just call our Member Solutions Center at (813)247-4414 and tell them you want to contribute to FAME. With your authorization, your TBF Representative will set up an automatic monthly deduction from your share or checking account. For tax purposes, a record of your deductions will appear each month on your statement.
 
It's a good thing when you help others. That's what credit unions are all about!
                          
Important Information About Overdraft Protection
 
New federal regulations will change how we offer you Courtesy Pay overdraft protection services, and action on your part may be necessary.  After August 14, 2010, the new regulations require you to agree to receive the Courtesy Pay overdraft protection benefits for everyday debit and ATM transactions, benefits you may already be enjoying as a valued member today.  Please visit our web site or contact us for complete infromation.
                                                         read the details >>
Our 75th Anniversary -- You Celebrate
  TBF luvs me  
Between February 15 and May 14, any member who opened a checking account with eStatements or Bill Pay OR a new auto loan OR a new real estate loan could register to win cash. Thanks to all 300+ members who registered online!
 
Special contratulations to our members who claimed their $75 cash!
Jennifer Acton, Rayza Camman, Michael Pickard, Ronald Logan, Dan Serrano, Lynn Heddaeus, Eugene Williams, Lisa Fernandez, Leonard Spinella, Paula Acosta, J Quick, and Bernice Link. 
 
AND 20 Eligible members who claimed their $150 cashRaul Noubleau, Nathan Perez, Rebecca Enos, Kori Szaraz, Francisco Santos, Lisa Conklin-Robles, Edgar Ramirez, Sandy Floris, Renee Watson, Tiffany Purcell, Tasha Lusher, Alan Groh, Andra' Hubbard, Norman Bacon, Beverly White, Enid Ortiz, Shari Johannes, Andrea Anderson, Carol Freeman, and Karen Uhlig
 
Red, White & Blue All Tampa Bay Federal locations will be closed on Saturday, May 29 and Monday, May 31 in observance of Memorial Day.
 
Thank you for reviewing the contents of this newsletter, our new resource providing you with valuable and relevant information about your changing financial needs. We look forward to serving you throughout 2010 and into the future...with pleasure.
 
Sincerely,
 
75 Years Thank You 
Nancy Smith, AVP Relationship Development
Tampa Bay Federal Credit Union
 
 
Premium Checking
3.01% APY*
on balances up to $20,000

NCUA Logo

Member Solution Center...813-247-4414            Calendar of Events
Loan Information..........................7605               5/29...Memorial Day, CLOSED
Loan Application..........................7617               5/31...MEMORIAL DAY, CLOSED
Member Services........................7606               6/18...Membership Appreciation Day 
Real Estate Team........................7601               7/3...Independence Day, CLOSED
Touch Tone Teller Account Information                  7/4...INDEPENDENCE DAY
     24/7 Tampa...............813-247-1819               7/5...Independence Day, CLOSED  
     24/7 Nationwide..........800-380-8880              7/16...Membership Appreciation Day

Serving Ybor Heights, North Tampa, West Chase, New Tampa, Downtown Tampa, Riverview, and Brandon 

*Bonus rates 3.01% Annual Percentage Yield paid on balances between one penny and $20,000 and 0.25% APY paid on all amounts above $20,000 each cycle when the minimum qualifications are met. Click here for bonus rate qualifications.