The Navigator - Fall 2008 Newsletter

In This Issue

Branch Closings

VIP Checking

Ask Latoya

Phishing Alert

Keep Informed!

Quick Links

Branch Closings

Remember, Northern Star Credit Union is closed on these upcoming national holidays:

Veterans Day
November 11, 2008

Thanksgiving Day
November 27, 2008

Christmas Eve
December 24, 2008
Closed Early

Christmas Day
December 25, 2008

New Year's Eve
December 31, 2008
Closed Early

New Year's Day
January 1, 2009

Fall 2008

Greetings!

Welcome to Northern Star Credit Union's new quarterly e-newsletter!

Quarterly, we will bring you a helpful personal finance article and a detailed answer to a popular question/concern, along with other pertinent information regarding either Northern Star or your own personal finances.

But more importantly , we want to hear from you so we can make this newsletter as member-friendly as possible! If you have any questions you would like answered or ideas you would like to see appear in "The Navigator", feel free to email us at updates@nstarcu.org.

Click below to learn about Northern Star's newest product!

APY is Annual Percentage Rate. ATM refunds are limited to $30 per cycle. Visit vipchecking.com for complete details.

Ask Latoya

Q: I was just turned down a store credit card request because my credit score is low, is there any way I can improve my credit score?

A: Almost everyone knows late payments can hurt your credit score. But how much damage can one late payment do? A single late payment will have a monumental effect on your credit for up to 24 months. However, if you have fallen short, start paying your bills on time today, more weight is given to newer payment history. To find out more about how you can improve your credit score, stop by today and ask a representative about Score Enhancement.

Have a question many other members probably wonder about, but are too afraid to ask? Feel free to have your question presented in "The Navigator" where other members can benefit from the answer as well as yourself. You can email updates@nstarcu.org with your questions.

Phishing Alert

Our Credit Union's policy is to never send out an e-mail requesting personal information such as account numbers, phone numbers, e-mail addresses, or credit card numbers.

You can see more information about phishing by clicking here.

If you recieve an email asking for personal information, please forward it to abuse@nstarcu.org.

To contact us regarding any further questions or concerns that do not relate to "The Navigator", please use the link on the left-hand column of this newsletter to view our contact information.

Northern Star Credit Union

FREE Get- Away for 2!	When you refinance an automobile through Northern Star Credit Union* Free get-away package includes three days and two nights of standard hotel accommodations at one of twenty-eight U.S. destinations. Package valued up to $560.00! *Minimum $15,000.00. Subject to credit approval. Membership required.
Offer Expires: November 15, 2008

*Images and digital artwork, excluding any Northern Star Credit Union or NCUA logos, are downloaded from Freepixels.com.