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Buying your First Home?
Here’s some information no one else will tell you!
Buying your first home can be stressful, but we’ve got some tips to make
buying easier. And best of all, you’ve got NW Plus CU behind you when
you decide to make that big purchase!
• Get pre-qualified for your mortgage through NW Plus CU, then only
spend 75% of what you’re qualified for. NW Plus CU can pre-approve
you for a home loan at any stage of the house-hunting process, enabling
you to have better success when you’re shopping for your new home!
• Don’t go into debt to furnish your home. Kids don’t care if you spent
$20 or $500 on that end-table when they are coloring on it.
• Make as low of an offer as you can stomach. You can never
negotiate downward.
• Buy less house than you can afford. You won’t miss the little extra
square footage the first time around, but you’ll appreciate being able to
save more money toward your next home.
We Have Money
to Lend!
After years of risky lending, many banks
are now tightening their credit standards
making it difficult for many consumers
to obtain loans. Not us, though. At NW Plus CU, we have plenty of money
to lend! We don’t have to change the way we do business because
we’ve always offered smart, secure financing options. While many banks
ventured into the subprime market, NW Plus CU stayed away, building on
our sound financial foundation. By always using safe lending practices, we
ensure that you can obtain loans you’ll have no problem paying off.
No matter what type of loan you are looking for (car, home, personal and
more), NW Plus CU has options to suit your needs. Stop by or call today to
speak to a loan representative.
• Budget for the post-move expenses. You’ll be amazed how much can
crop up that you need right after you move, and no matter how carefully
you think you’ve outlined the purchase agreement, you’re going to need
to make some extra purchases. Having the money set aside will help you
deal with the unexpected. And on the off-chance you don’t spend the
money, you’ve got a good start on an emergency fund.
• Put down as much as possible. Twenty percent is ideal, but the more
you can afford to put down, the more you’ll save yourself in the long run.
• Pay for a high-quality inspector. He or she will be worth the extra
money in the long run for what you’ll save in extra expenses.
NW Plus CU can get you a perfect home loan for your first home,
or your third or fourth!
For more information on the programs offered by NW Plus CU, call us at
425.297.1000 or 800.456.6481.
An NW Plus CU VISA Card
Means Choices
®
A VISA® credit card from NW Plus CU gives you purchasing power with
low rates and terms to meet your unique lifestyle! Whether you choose
our VISA® Platinum or VISA® Platinum with Rewards, you’ll always receive
great rates and lots of extra benefits. Use your VISA® at thousands of retail
locations and online merchants worldwide. The possibilities are endless!
All NW Plus CU VISA® cards feature:
• Transaction alerts
• No annual fee
• Low rates
Managing your VISA® account is simple! You’ll have anytime access online
at www.nwpluscu.com. To apply for your NW Plus CU VISA® Platinum or
Platinum Rewards card, call us, stop by one of our offices or apply online!
Spend Smart this Holiday Season
It’s easy to go overboard when shopping for holiday gifts, but the fallout
from seasonal overspending can last all year. The American Savings
Education Council and Choose to Save offer some helpful advice for
getting a grip on holiday spending, BEFORE it gets out of control!
• Open an NW Plus CU Christmas Club account. Christmas Club
accounts are a great way to save money for the holidays! You choose how
much you want to save each pay period and the money is automatically
diverted to your holiday club account. If you save as little as $25 each
pay period, you’ll have over $600 by the time December rolls around.
To establish your Christmas Club account, call or visit us today!
• Create a budget and stick to it. Make a list of all the people you intend
to buy gifts for and how much you’d like to spend on each person. Tuck
your list into your purse or wallet so you’ll have it with you if you come
across that perfect gift.
• Draw names. If you’re part of a large family or circle of friends, suggest
drawing names. This will cut down on the number of gifts you have to
purchase, and if the group agrees on a limit for each gift, you’ll know
exactly how the purchase will fit into your holiday budget.
• Shop online. Everyone knows that shopping online is convenient, but it
can also save you money! The Internet makes it easy to compare prices
and many online retailers offer free or discounted shipping during the
holiday season. Shopping online also makes it easier to resist the impulse
purchases that distract so many holiday shoppers at malls and traditional
retail stores.
• Use credit wisely. If you plan to use your credit card for holiday
purchases, only charge as much as you can pay off when the bill arrives.
By paying your credit card balance in full each month, you won’t have to
regret holiday overspending all year long! NW Plus CU offers a number
of low-rate credit cards to meet your needs. Call today to learn more or
to apply!
Don’t spend the holidays stressed about overspending! Plan ahead, spend
smart and you’ll be able to relax and enjoy this special time of year.
Preventing Debit Card Fraud
Consumer use of debit cards is surging in popularity, and unfortunately,
so is debit card fraud. To avoid becoming a victim of debit card fraud, the
American Bankers Association offers these tips:
•Check your bank statements immediately. Make sure all payments
are yours.
• Periodically check your account balance and transactions by utilizing
online banking, by telephone or by printing interim statements
at the ATM.
• Contact your bank immediately if your card is lost, stolen or subject to
fraudulent use.
• Keep a record of card numbers, PINs, expiration dates and 1-800
numbers for banks so you can contact the issuing bank easily in cases
of theft.
• Memorize your PIN. Do not use your birth date, address, phone number
or Social Security number. Never store your PIN with your card, and do
not make it available to others.
• Keep your receipts. You’ll need them to check your statement. If they
have your account number on them, tear up or shred receipts before
throwing them away.
• Mark through any blank spaces on debit slips, including the tip line at
restaurants, so the total amount cannot be changed.
• Know your limits. Many issuers limit daily purchases and withdrawals for
your protection.
• Do not use an ATM if it looks suspicious; it could be a skimming device.
• Be wary of those trying to help you, especially when an ATM “eats” your
card; they may be trying to steal your card number and PIN.
• Do not give your PIN to anyone over the phone. Often thieves steal the
cards and then call the victim for their PIN, sometimes claiming to be law
enforcement or the issuing bank.
For more tips and information, visit the Federal Trade Commission’s Web
site at www.ftc.gov.
MeMbresía abierta y voluntaria • Metas sociales • NoN-discrimiNatioN • services destiNés aux membres
• educación continua • Social ReSponSibility • coopeRation among coopeRativeS
ServiceS deStinéS aux membreS
MeMbers
Matter
ost
Contrôle démoCratique • ServiCio a loS SoCioS • Contrôle démoCratique • On-gOing EducatiOn
services destiNés aux membres • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
coNtrol democrático • Metas
sociales •CREDIT
siN discrimiNacióN
INTERNATIONAL
UNION DAY • MeMbresía abierta y voluntaria
®
membreSía abierta y voluntaria ServiceS deStinéS aux membreS Social ReSponSibility • coopeRation among coopeRativeS
•
•
reSponSabilidad SoCial • eStruCtura demoCrátiCa • eduCation Continue • dEmOcratic cOntrOl
distribucióN a los socios • servicio a los socios • distributioN to members • buildiNg FiNaNcial stability
services destiNés aux membres • coNtrol democrático • NoN-discrimiNatioN • adhésioN voloNtaire et ouverte
membreSía abierta y voluntaria
•
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ServiceS deStinéS aux membreS
•
reSponSabilité Sociale • coopeRation among coopeRativeS
objeCtifS SoCiaux • eStruCtura demoCrátiCa • On-gOing EducatiOn • dEmOcratic cOntrOl
coNtrôle démocratique • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
PromovieNdo la estabilidad FiNaNciera • Metas sociales • NoN-discrimiNatioN • MeMbresía abierta y voluntaria
membreSía abierta y voluntaria • educación continua • Social ReSponSibility • coopeRation among coopeRativeS
diStribuCión a loS SoCioS • ServiCio a loS SoCioS • On-gOing EducatiOn • dEmOcratic cOntrOl
™FiNaNcial stability
distribucióN a los socios • MeMbresía abierta y voluntaria • distributioN to members • buildiNg
cooPératioN eNtre les cooPératives • Metas sociales • NoN-discrimiNatioN • oPeN & voluNtary membershiP
Sin diScriminación • ServiceS deStinéS aux membreS • Social ReSponSibility • coopeRation among coopeRativeS
reSponSabilité SoCiale • eStruCtura demoCrátiCa • On-gOing EducatiOn • dEmOcratic cOntrOl
distribucióN a los socios • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
cooPeracióN eNtre cooPerativas • servicio a los socios • NoN-discrimiNatioN • oPeN & voluNtary membershiP
Structure démocratique • ServiceS deStinéS aux membreS • Social ReSponSibility • coopeRation among coopeRativeS
nOn-discriminatiOn • eStruCtura demoCrátiCa • Contrôle démoCratique • On-gOing EducatiOn
PromovieNdo la estabilidad FiNaNciera • Metas sociales • distribucióN a los socios • buildiNg FiNaNcial stability
distribucióN a los socios • MeMbresía abierta y voluntaria • siN discrimiNacióN • oPeN & voluNtary membershiP
coopération entre leS coopérativeS • educación continua • reSponSabilidad Social • cooperación entre cooperativaS
nOn-discriminatiOn • ServiCio a loS SoCioS • Contrôle démoCratique • On-gOing EducatiOn
MeMbresía abierta y voluntaria • distributioN to members • PromovieNdo la estabilidad FiNaNciera
buildiNg FiNaNcial stability • Metas sociales • siN discrimiNacióN • oPeN & voluNtary membershiP
Celebrate International
CU Week with Us
bUilDing Financial Stability • educación continua • Social ReSponSibility • coopération entre leS coopérativeS
On-gOing EducatiOn • ServiCio a loS SoCioS • On-gOing EducatiOn • dEmOcratic cOntrOl
oPeN & voluNtary membershiP • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
MeMbresía abierta y voluntaria • Metas sociales • NoN-discrimiNatioN • services destiNés aux membres
ServiceS deStinéS aux membreS • educación continua • Social ReSponSibility • coopeRation among coopeRativeS
Celebrate International CU Week with NW Plus CU
from October 15-20 at all our branches. This year’s
theme is “Members Matter Most,” and we hope you
agree that NW Plus CU always puts members first.
2012
In fact, come in anytime during this week for free
shredding, coffee, cookies and a 2013 planner, and
tell us why you belong to a credit union and how NW Plus CU has helped
improve your life!
Contrôle démoCratique • ServiCio a loS SoCioS • Contrôle démoCratique • On-gOing EducatiOn
• Start shopping early. If you create your holiday budget and shopping
list early in the year, it’s easy to take advantage of sales and discounted
pricing before the holiday rush!
services destiNés aux membres • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
coNtrol democrático • Metas sociales • siN discrimiNacióN • MeMbresía abierta y voluntaria
membreSía abierta y voluntaria ServiceS deStinéS aux membreS Social ReSponSibility • coopeRation among coopeRativeS
•
•
reSponSabilidad SoCial • eStruCtura demoCrátiCa • eduCation Continue • dEmOcratic cOntrOl
distribucióN a los socios • servicio a los socios • distributioN to members • buildiNg FiNaNcial stability
services destiNés aux membres • coNtrol democrático • NoN-discrimiNatioN • adhésioN voloNtaire et ouverte
membreSía abierta y voluntaria
•
ServiceS deStinéS aux membreS
•
reSponSabilité Sociale • coopeRation among coopeRativeS
objeCtifS SoCiaux • eStruCtura demoCrátiCa • On-gOing EducatiOn • dEmOcratic cOntrOl
coNtrôle démocratique • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
PromovieNdo la estabilidad FiNaNciera • Metas sociales • NoN-discrimiNatioN • MeMbresía abierta y voluntaria
membreSía abierta y voluntaria • educación continua • Social ReSponSibility • coopeRation among coopeRativeS
diStribuCión a loS SoCioS • ServiCio a loS SoCioS • On-gOing EducatiOn • dEmOcratic cOntrOl
distribucióN a los socios • MeMbresía abierta y voluntaria • distributioN to members • buildiNg FiNaNcial stability
cooPératioN eNtre les cooPératives • Metas sociales • NoN-discrimiNatioN • oPeN & voluNtary membershiP
Sin diScriminación • ServiceS deStinéS aux membreS • Social ReSponSibility • coopeRation among coopeRativeS
reSponSabilité SoCiale • eStruCtura demoCrátiCa • On-gOing EducatiOn • dEmOcratic cOntrOl
distribucióN a los socios • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
cooPeracióN eNtre cooPerativas • servicio a los socios • NoN-discrimiNatioN • oPeN & voluNtary membershiP
Structure démocratique • ServiceS deStinéS aux membreS • Social ReSponSibility • coopeRation among coopeRativeS
nOn-discriminatiOn • eStruCtura demoCrátiCa • Contrôle démoCratique • On-gOing EducatiOn
PromovieNdo la estabilidad FiNaNciera • Metas sociales • distribucióN a los socios • buildiNg FiNaNcial stability
distribucióN a los socios • MeMbresía abierta y voluntaria • siN discrimiNacióN • oPeN & voluNtary membershiP
coopération entre leS coopérativeS • educación continua • reSponSabilidad Social • cooperación entre cooperativaS
nOn-discriminatiOn • ServiCio a loS SoCioS • Contrôle démoCratique • On-gOing EducatiOn
MeMbresía abierta y voluntaria • distributioN to members • PromovieNdo la estabilidad FiNaNciera
buildiNg FiNaNcial stability • Metas sociales • siN discrimiNacióN • oPeN & voluNtary membershiP
OCTOBER 18
188 million members and counting
bUilDing Financial Stability • educación continua • Social ReSponSibility
• coopération entre leS coopérativeS
On-gOing EducatiOn • ServiCio a loS SoCioS • On-gOing EducatiOn • dEmOcratic cOntrOl
oPeN & voluNtary membershiP • coNtrol democrático • distributioN to members • buildiNg FiNaNcial stability
Holiday Closings
Thanksgiving Day - November 22 & 23
Christmas Day - December 25
Contact Us
425.297.1000
800.456.6481
www.NWPlusCU.com
Branch
Locations
• Get creative! It’s the thought that counts, so why break the bank with
expensive gifts? Thoughtful, homemade gifts mean more and are
less expensive too. Turn to your talents and interests when searching
for creative gift ideas. You could crochet a blanket or knit a sweater;
bake cookies; create a photo album full of special memories; or design
coupons offering your time for tasks like housecleaning or babysitting.
Everett
2821 Hewitt Ave.
Everett, WA 98201
Smokey Point
17021 Smokey Point Blvd.
Arlington, WA 98223
Lynnwood
19725 40th Ave. W, Ste. A
Lynnwood, WA 98036
Stanwood
9225 271st St. NW
Stanwood, WA 98292
Burlington
115 Cedar St.
Burlington, WA 98233
Marysville
221 State Ave. Ste. 103
Marysville, WA 98270
Lake Stevens
623 State Route 9 NE
Lake Stevens, WA 98258