LOW- LOW- LOAN RATES NOW AVAILABLE...........

               Valley Council Credit Union...

       ....is celebrating 50 plus years of genuine service.

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When you thought it could go no lower, VCCU is offering an unsecured loan rate as low as 4.00% apr*. This offer is for a limited time only, is for NEW MONEY only, and terms up to 48 months (current VCCU Loans not eligible). Refer to the Winter Newsletter for more information. Act on this today, it could be gone by ???

Let us help YOU save big by taking advantage of our super low, low loan rates:

    Vehicle loans (new or used) with rates 

                   as low as  3.99% apr*

Thinking of a newer car or truck?  NOW IS THE TIME TO FINANCE WITH VCCU !!!   Are you paying a higher interest rate on your car or truck elsewhere?  REFINANCE NOW WITH VCCU !!!*

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               Second Mortgage (Home Equity) loans 

with rates as low as 3.25% apr**

Thinking of home improvement? Lock in a FIXED rate to finance that spring project with VCCU !!!

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                      "SIGNATURE" LOAN with rates

               as low as  8.50% apr*

Credit card debt overbearing? Consolidate those high interest rate cards with VCCU to a low FIXED rate to fit your budget.

Call today 513.948.1234 to get more information or apply online (2nd mortgage loans must call)

Don't wait - these rates are for a limited time only.

*Annual Percentage Rate is determined by credit score, term and amount. Offer good on new purchases and/or refinances from other financial institutions only.

**Annual Percentage Rate is determined by term and credit score. Closing costs vary. No annual fee. Call for full disclosure. Contact your tax advisor for tax deductibility.

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CELEBRATING ===50 plus===YEARS!!!

That's right--Valley Council Credit Union is celebrating over 50 years of service to fourteen school districts and one private school. And we want YOU to help us celebrate. There will be alot of exciting things always happening throughout the year and you don't want to miss any of it. First of all, read the Newsletter you received with your quarterly statement OR you can read it online by looking to the left of this article and 'click' on newsletter. 

A few events/celebrations are: 

• Scholarships - Applications are available in January each year. The Credit Union will award two $500 scholarships in  2010. These same applications are forwarded to the Cincinnati Chapter of the Ohio Credit Union League for their scholarship program. Watch for the 'Winter' edition of our newsletter for more information. You may pick up an application at the Credit Union office. Deadline is February 11, 2010.
• You could be a winner of $50, if you find your account number in the Newsletter. The deadline for the "Winter" edition is February 16th. An account number is listed in each of our newsletters which are due out by the 10th of the first month of each quarter. Maybe it will be yours!!!! Click on the link to the newsletter on the left and look for your account number. 

There will be more events through the year, so don't miss one edition of the quarterly newsletter and keep watching the Credit Union's website.

Are you finding it absolutely impossible to think of a unique gift for that ‘hard-to-buy-for’ brother/sister  or the child or grandchild with the overflowing toy box ?

Why not buy them a ’MEMBERSHIP’ in the credit union!!!! Since you are  a member of Valley Council Credit Union, you're eligible to share the benefits of ‘belonging to a Credit Union’ with your immediate family. So instead of a tie/sweater that will gather dust in the back of the closet or a toy that's forgotten in a few days, your gift can provide lifelong access to higher rates on savings , lower rates on loans, and friendly service. It truly is the gift that keeps on giving because as a financial cooperative, the credit union returns its profits to its members. Call or stop by the credit union to find out how easy it is to help your family members experience the credit union difference.

What ever the occasion whether it be Christmas, Birthday, Anniversary, Graduation or a 'NEW' Birth, now is the time to open that account with a minimum of $5.00. Those who receive this ‘unique’ gift will be thanking you for the rest of their lives.

Also, keep your High School or College family member in mind, they will be eligible to apply for  post secondary Scholarship funds. They must be a member of VCCU to apply. Watch for full details in our Winter Newsletter and on our website.

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Welcome

Valley Council Credit Union, Inc. chartered in 1958 to serve the members of the Valley Council Teachers Association. Since that time, the membership opened to  serve the following  fourteen school districts and one private school in Southwest Ohio:

• Deer Park Community Schools
• Indian Hill Exempted Village Schools
• Lockland Schools
• Madeira City Schools
• Mariemont City Schools
• Milford Exempted Village Schools
• Mt. Healthy City Schools
• North College Hill City Schools
• Norwood City Schools
• Reading Community City Schools
• St. Bernard-Elmwood Place City School District
• Sts. Peter & Paul Academy
• Sycamore Community School District
• Winton Woods City Schools
• Wyoming Public Schools

If you work for or are retired from any one of the above named school districts, YOU are eligible for membership in Valley Council Credit Union. If you are a family member of a current member, YOU are eligible to join through that member.

Valley Council Credit Union is organized to serve people who work in fourteen school districts.

As a school sponsored financial institution owned and operated by our members, our purpose is to provide financial products with competitively priced and complete line of financial services, while at the same time maintaining an adequate capital base.

VCCU will continually play a leadership role in the communities it serves by providing high quality, personal services in a friendly environment.

Hours and Location

Monday 9:30AM – 5:30 PM
Tuesday 9:30AM – 5:30 PM
Wednesday (By Appointment)
Thursday 9:30AM – 5:30 PM
Friday 9:30AM – 5:30 PM

Credit Union Office Located
In "Historic Downtown" Reading:
9231 Reading Road
Cincinnati, OH 45215-3415
Phone: 513-948-1234
Fax: 513-948-1503
Click Here for Map

Click on the "LINK" ----

   "Presidential Coins"

to get the facts on the

U.S. MINT--

--50 State Quarters Program

--Presidential $1 Coins

--Teachers' Guide; Teachers' Network; Lesson Plans, etc.

--Children's games

-- and lots, lots more ......

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