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| Coastline FCU Newsletter |
Version 1.9
December 2011
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SAVE THE DATE! Annual Meeting
Thursday, February 16, 2012 at 5:30 p.m. - 4651 Emerson Street
Join us as we recap the 2011 year and share what Coastline has planned for 2012. Light refreshments will be served. Please RSVP to marketing@coastlinefcu.org.
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Make it Home for the Holidays
 Dream Loans for Dream Homes® in Jacksonville and all across Northeast Florida, Coastline Home Mortgage offers you a wide selection of competitively priced home finance products and experienced personal service.
If you plan to buy, build, refinance or renovate a home in Northeast Florida just call Coastline for your home financing needs.
Tom Morcom, President TMorcom@CoastlineHomeMortgage.com
904-448-2595
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Tip Your Helpers for the Holiday
The giving season is upon us. For many people that means deciding whom to tip and how much. Plan to include both the service people you tip regularly throughout the year, such as your barber or hairstylist, as well as those you don't, such as a cleaning person.
How much you tip will depend on how long the person has been doing work for you, how close you are, and the typical amount for someone in that position.
Remember that these are just suggestions and be sure to give only what you can afford.
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Smart Holiday Shopping Takes Planning
You say it every year after the holidays: "Next year I'm going to spend less money." It's easy to get carried away. It can be just as easy to stay financially fit, even during the busiest shopping season of the year.
Read our blog to see what Coastline suggests as holiday spending tips.
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Holidays Happier for Shoppers Avoiding Unpleasant Surprises
If crowded stores and packed parking lots aren't your idea of a winter wonderland, consider alternatives that allow you to shop without ever rubbing elbows with a mall Santa. Internet shopping offers many benefits for gift givers who prefer to steer clear of the traditional holiday shopping experience. To make your online shopping as safe as possible: - Shop with merchants you know and trust.
- Always use a credit card online.
- Make sure the transaction is secure. (Look for the padlock icon in your browser window frame and the "https" in the URL when you go to the checkout page.)
- Confirm the bottom line price, shipping schedule, and return policy.
No matter how hard you try to give the perfect gift, someone is going to want to return something. Before you make a purchase, ask if the item is returnable, how many days you have to return it, how your money will be refunded (cash back, a credit card refund, or store credit only), and if there is a restocking fee.
While there are advantages to shopping online and by catalog, shipping charges on returns and exchanges can drive up the price of your purchase. Keep your receipts and don't remove packaging or tags from an item until you know you're going to keep it.
Follow the experts' advice and you'll give, and get, the gift of a hassle-free holiday. If you could have used some extra money this holiday season and don't want to end up in the same boat next year, consider opening a Coastline Christmas Club for next year.
Copyright 2008 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved. |
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Give a Gift Card!
If you don't want to deal with the stores or don't feel comfortable shopping online this holiday season, give a Coastline Visa Gift Card! You choose the amount, the recipient chooses what to buy. What could be easier? Coastline Visa Gift Cards are accepted anywhere Visa debit cards are welcome. Coastline Visa Gift Cards are always a good deal. Stop by a branch today and wrap up all your holiday shopping. |
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Rates are Low
Refinance Your Home Loan
Financing Home Purchases
Financing Home Improvements
Financing Lot Purchases
Home Construction Financing
www.coastlinehomemortgage.com
(904) 448-2595
We also offer:
Home Equity Mortgages
Up to 15 Year Terms
15 Year Home Equity
Line of Credit (HELOC)
5 Year Home
Improvement Loans
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Della Faulkner
Phone: (904) 493-4765
dfaulkner@swbcinvestments.com |
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Holiday Hours
Saturday, December 24
Christmas Eve
All branches will be closed.
Sunday, December 25
Christmas Day
All branches will be closed.
Monday, December 26
Christmas Observed
All branches will be closed.
Saturday, December 31
New Year's Eve
All branches will be closed.
Sunday, January 1
New Year's Day
All branches will be closed.
Monday, January 2
New Year's Observed
All branches will be closed.
Wednesday Morning
All branches open for business at 10:00 a.m. on Wednesday mornings and the Call Center opens at 9:00 a.m.
Our Member Service Center Representatives are available to assist you on Monday, Tuesday, Thursday and Friday
starting at 8:00 a.m. at
(904) 346-1700
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Coastline in the Community
Join us all year long as we "Take it to the Community" and become involved in events around Jacksonville as well as visit local businesses as we focus on financial education and share the good news about credit unions and Coastline!
November Events Included:
· CSX
· Teamsters Local 947
· Quality Health
· Southside Business Men's Club
If you would like Coastline to visit your business and share with your employees the benefits of a Coastline membership, please contact Robin Tuck at (904) 346-1700, Ext 254 or send an e-mail.
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DRIVE FREE*
With NO Payments for 90 Days!*
PLUS get up to 1.50%* off your auto loan.
* See website for full promotional details.
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Open A Christmas Club NOW and Avoid a Holiday Hangover Next SeasonIt is never too early to start saving for next year. If credit card bills from the holidays leave you overwhelmed, we can help. A Christmas Club account preserves the joy of the holidays by eliminating the financial stress of the season. Instead of charging everything at the last minute, save in advance for holiday spending. Determine what you spent last year and add a portion of that to your account each month. Or, have an amount deducted directly from your paycheck.
Avoid a credit card hangover next holiday season, contact a Member Service Representative today to open a 2012 Christmas Club account!
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P.O. Box 47410
Jacksonville, FL 32247-7410
(904) 346-1700 · (800) 444-1811
infolink@coastlinefcu.org · www.coastlinefcu.org
Branch Hours and Locations
   
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