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Stay Informed with e-Updates
As a free service for members who submit their e-mail addresses, Team One will e-update you via e-mail of current security/fraud alerts, important notices, and special promotions.
Please note: e-Updates does not replace e-Notices, our account notification system.
Submit your e-mail address today and you will automatically be entered to win 1 of 3 iPod nanos® to be given away! Offer ends May 15th.
 Click here to signup.
Don't Break the Bank!
Let us help you develop a savings plan that won't break the
bank. All it takes is a few dollars a week to get started.
It's as easy as 1-2-3!
1. Have your paycheck,
social security or pension automatically deposited into your
account to avoid mail delays and long lines.
2. Designate a dollar amount to be deducted from your
pay each pay period and deposited into your new savings plan.
(By depositing just $5 a week you can save over $260 per year!)
3. Once you see how quickly your savings can grow and
how little you miss the funds, increase your payroll deduction a
mount to save even more!
To learn more about how we can help you reach your savings goals, email us as talk2us@teamonecu.org,
call or visit to talk to one of our specialists about ways
to save more money. Remember that saving for your future starts
today!
Team One Remains a Safe, Secure Place for Your Money
The news is full of reports about banks and mortgage companies
that are finding themselves in trouble because of their investments
in subprime real estate loans and auto loans. Rest assured
that Team One does not invest in subprime* loans and for over
70 years, Team One has remained a strong and sound fixture
in the communities that we serve. We strive to offer the most
competitive rates and quality service so that our members
can feel secure in bringing their financial needs to us. Team
One is all about Banking…Only Better!
*Sub-prime lending is the practice of making loans to borrowers who do not qualify for the best market interest rates because of their deficient credit history. Sub-prime lending is risky for both lenders and borrowers due to the combination of high interest rates, poor credit history, and adverse financial situations usually associated with sub-prime applicants.
Earn Merchandise & Travel POINTS!
Use a Team One Visa Check Card or Visa Credit Card w/ ScoreCard
Points for every day purchases and earn ScoreCard Bonus Points,
redeemable for travel, hotel and merchandise rewards! Automatically
earn 1 point for every $3 spent, when you use our Visa Check
Card processed as "credit", and automatically earn 1 point
for every $1 spent, when you use our Visa Credit Card w/ScoreCard
Bonus Points. Plus, you can combine Visa Credit Card Scorecard
Points with Visa Check Card ScoreCard Points to accumulate
points even faster.
To view the exciting ScoreCard merchandise, recreation and
travel awards, follow the link below and click on "Browse".
If you currently have a Visa Check Card or Visa Credit Card
w/ScoreCard Points and would like to see how many points you've
accumulated, click the link below and follow the instructions.
For more information email us at talk2us@teamonecu.org,
call or visit our nearest banking center.
Mortgages- Purchase, Refinance or Build, We Can Finance It
All!
Team One has the Mortgage you need, whether you are purchasing
a new home; refinancing your existing mortgage to save money;
are building a new home or are interested in financing a vacation
home. With competitive rates, flexible terms and an easy application
process, a Team One Mortgage is better than the rest.
Team One's Mortgages Offer:
Terms from 5 to 40 Years
Fixed Rate, Adjustable Rate, Balloon & Construction
Options
Rate Quotes Available Online
Easy Online Application Process
Out-of-State Financing Available
Click
here or contact one of our knowledgable
specialists to determine the Mortgage option that is right
for you.
Business Spotlight/Members Only Discounts!
Team One supports many locally owned businesses in the areas we proudly serve.
Check out the terrific discounts and services being offered to Team One Members this month!
Another Great Benefit of Credit Union Membership
Because of your credit union membership, you can now obtain individually-owned health insurance policies. Aflac plans are a perfect complement to your major medical coverage since claim checks may be used to help cover escalating deductibles and copayments, out-of-pocket costs, everyday living expenses - even lost income.
Best of all, with Aflac, you gain full control over the policies' cash benefits - receive the money directly or assign it to others. Unlike other health insurance plans, there are no pre-certification concerns, no network limitations and no coordination of benefits. (All policies pay in full regardless of any other insurance you may have and often within 4 business days.) Click here to learn more about what Aflac can offer you.
Password: lhcu1
Sprint & Nextel Services
Receive great discounts on Sprint & Nextel Services. Click
the link below for details.
ABO Tent Events Saginaw
Phone: 989.754.8368
ABO Tent Events specializes in renting tents, tables, chairs, dance floors, supplies and more to help make your outdoor event a success!
Special Offer: Receive 10% discount on your rental order of $250 or more. To redeem your discount, mention that you are a Team One member when placing your order.
Home For Sale!
Below is a list of repossessed home for sale. Click the links
below to view photo(s) and additional information. If you
are interested in any of the houses listed, please contact
the realtor to set up a viewing.
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4821 Huron Line Road, Cass City, MI 48726
Listed Price $69,900
Agency: REMAX
Agent: Mark Kowalski
Phone: 989.269.7362
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1707 Allegan Street, Saginaw, MI 48602
Listed Price $54,900
Agency: REMAX
Agent: Bob LeFevre
Phone: 989.790.0890
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6309 Church Street, Cass City
Listed Price $189,900
Agency: REMAX
Agent: Mark Kowalski
Phone: 989.269.7362
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1407 S. Harrison, Saginaw
Listed Price $29,900
Agency: REMAX
Realtor: Bob LeFevre
Phone: 989.790.0890
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1970 Detroiter Mobile Home (Reese, MI)
Listed Price $1,500
Location: Pebble Creek Mobile Home Park, Reese, MI
Park Manager: Bonnie O'Dette
Phone: 989.868.4596
If you have any additional questions, please contact Rick
at 989.754.6575.
AlertMe-Available for ID Theft Prevention
AlertMe is a credit monitoring tool designed to provide members with an early warning
of potentially unauthorized credit activity. AlertMe monitors subscriber's credit bureau
files daily and notifies them of such activities as new accounts opened, address changes or
reported delinquencies.
AlertMe offers subscribers:
Daily monitoring of their credit report
E-mail notification of posted credit activity
Convenient, automated monthly billing direct from their account
Online access to credit reports
Annual reminder to order a free annual credit report
Identity Theft Insurance (where available)
Members can subscribe to the service for a monthly fee of $4.95 which will be debited from
their designated account. For more information, please
click here.
Credit vs. Debit- Which should you choose?
Did you know that when asked at the register "Credit or Debit", that you
are really being asked how you would want your purchase processed and not
what type of card you are using. Here is the difference between the two
options...
Debit:
The transaction will be processed through our ATM Network.
You will need to enter your Personal Identification Number
(PIN).
Credit:
The transaction is processed through MasterCard. It is called
a "credit" transaction only because the credit card
company processes it. No credit is involved.
Instead of a PIN number, you will be asked to sign your
name.
View account balance online through CU@Home with e-Statements
So remember when asked, "Credit or Debit" always say "Credit"
because when your purchase is processed as a credit transaction,
it saves the credit union money which we pass along to you in the
form of lower loan rates and higher rates on savings.
Health Savings Account (HSA)
A Health Savings Account at Team One enables you to take advantage
of tax benefits while you save for medical expenses, if you
are currently covered by a High-Deductible Health Insurance
Policy.
This account allows you to:
Make tax-free withdrawals for payment of qualified medical expenses
Conveniently make deposits to your account in person, by
mail, by electronic
transfer or through payroll deduction
Earn interest on your account
Make withdrawals by check
View account balance online through CU@Home with e-Statements
Receive a detailed statement including deposits and withdrawals
Roll over your balance from year to year to accumulate your tax-free savings
Click here for more information or to open a HSA, call or
stop in today!
Statehood Quarter Program Sale
2008 Statehood Quarters - $3.95 each
Oklahoma- February
New Mexico- April
Arizona- July
Alaska- September
Hawaii- December
Each Quarter Collection Contains:
Two un-circulated quarters: one Denver (D) and one Philadelphia
(P) mint mark.
Denver & Philadelphia are the only U.S. Mints that produce
coins for circulation.
The coins are attached to a full-color, three-paneled 5"
X 5" folder (Opens to 5" X 15").
The folder contains a brief history of the state and facts
regarding the coin.
Currently they are only available at the Main Office; however,
they can be sent to your nearest Team One Banking Center upon
request.
A portion of the proceeds will be contributed to the MCULLAF
(Michigan Credit Union League Legislative Action Fund)
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