Tampa Bay Federal January Newsletter

January 2012

Greetings!

Happy New Year and Welcome to 2012!

We are thrilled to be serving your changing financial needs for the new year ahead. We have some exciting new programs for you, including a new First Time Homebuyers Program, new car buying resources, new credit card statements, and much more. Make sure to review this newsletter each month for announcements.

Speaking of the new year, it's time to start thinking about taxes! If you are signed up for e-Statements, we will send you an email notifying you when your e-Tax forms are ready for you in Online Banking. If you're not registered, sign up today. e-Tax forms are a convenient way to save up to five years' worth of your TBF tax forms. And don't forget to make your IRA contributions, too!

Have you Liked us on Facebook yet?

Now's a great time! From January 16-30, we're donating $.50 per new Like to charity!

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Is your budget stuffed from the holidays?

If the bills are rolling in from holiday spending, now is a great time to consolidate and manage your payment. We have debt management solutions that will fit your budget.

Home Improvements. Education Expense. Debt Consolidation.
Your Choice.

Want to keep an eye on rates?
Sign up for rate watch alerts
on our website.

Home Buying &

Equity Programs

Use 100% of your home's equity
Low closing costs
Affordable payments by going to a 20-year term
Fixed interest rates
No prepayment penalties--pay off any time
Potential tax write-off (consult your tax accountant)

First Time Homebuyer? Or haven't had a mortgage in three years or more? We have a new program for you! Visit our website for all the details.

Conveniently apply online or contact Jay Kim at 813-541-4002 or Mike Birch at 813-545-6697 for assistance.

Tampa Bay Federal Home Loans.

Local Lenders. Local Servicing. Personal Service.

CATCH THE REFI WAVE: "Credit union car loan rates are about one and a half percentage points less than bank car loan rates."

Mortgages are getting most of the refinancing attention these days with rates being so low. Make sure you don't overlook your car loan, too. You could save hundreds by refinancing both. Your credit union lender can walk you through the options and calculate the benefits of refinancing any of your existing loans.

This month's Financial Fitness Challenge suggests talking with a loan officer to see what might work for you to help free up cash and make better progress on your financial goals. Check out this month's Financial Fitness Challenge, register, and you could win $50!

All about this month's Challenge >>

Register for the Challenge >>

Financial Fitness Challenge Rules >>

CAR, TRUCK, OR SUV...

We can help you buy, refi,

or maintain!

Looking for a quality used vehicle?: Our partner CU AutoBranch works closely with Tampa Bay Federal and our members for a no-haggle buying experience. Browse their current inventory online, visit them at 6311 E. Hillsborough Avenue in Tampa, or call them at 813-249-2886. Tell them we sent you!

Learn more >

New special member pricing: Experience our new exclusive buying service where local dealerships compete for your business, offering a wide selection of new and pre-owned vehicles priced just for credit union members.

Search now >

.25% Rate Discount for Buying GREEN: We love green cars! So much so that we're offering a .25% discount on your rate when you finance your qualifying vehicle with us.

Get the details >

Want to keep your car but get more out of it?: If you've financed elsewhere, we might be able to save you some money! Contact us to compare rates and monthly payments. Need some new tires or want to tint your windows? We provide loans on the equity you have in your vehicle so you can use the cash for maintenance or upgrades.

Apply here >

Rates as low as 2.49%*

New rates apply to model years 2008 to 2012.

Get pre-approved before you shop:

log in to Online Banking and click on Applications;

call 813-247-4414 ext. 7617; or visit any branch.

*Annual Percentage Rate based on term, creditworthiness,

and automatic payment. Rate subject to change.

View all rates >

More resources >

Get pre-approved >

Announcement: Effective February 1, 2012, the Free Premium Checking bonus rate will be 2.00% APY* on balances up to $5,000.

Thank you for subscribing to Tampa Bay Federal's monthly newsletter, through which you receive valuable information regarding your changing financial needs. We look forward to serving you...with pleasure.

Sincerely,

Nancy Smith, Retail Sales & Service

Tampa Bay Federal Credit Union

*Annual Percentage Yield. Rate subject to change.