European Stars and Stripes (Newspaper) - October 12, 1994, Darmstadt, Hesse                                Wednesday october 12,1994 the stars and stripes. Page 9 paid advertisement paid advertisement paid advertisement paid advertisement Sucu financial news new atm location service Federal credit Union will install another atm in the Kaiserslautern Community sometime fourth Quarter of 1994. By. The atm will be located at the Kapaun Branch office located in Kapaun air station i building 2786. You can get your free at card by visiting your local office. Atm cards allow you to Access your funds through several net works to include Afan. Cir rus. The Exchange. Honor. To. Inf let an american express. Sembach closure our Sembach Branch office i scheduled to close november 18. 1994. You May still Access you accounts by utilizing our Vogel Weh office located on Kapaun air station. For More details Call 0631-51215 or489-6336. Hours of operation Are of 9 00 5 00sat. 10 00 -1 00 business  to be consumer f Friendly mortgage paperwork can be complicated and time consume. Ing project to say the  s face it. When you Are ask ing to borrow hundreds of thou Sands of dollars you will have to prove stability reliability an credit worthiness this is not an easy process 3.000 Miles away from your Home town. How can you get a jump on this paperwork and Case the Home buying process once you get stateside do it by phone. Your credit Union now offers a mortgage program that allows you to process All the Neces sary documentation simply by phone. Information applications and details Are expressed to you eliminating your phone expense the program offers several mortgage options to include 3-30 year fixed 6moru/i-3 year adjust tables balloon mortgages fixed adjustable options refinance options a mortgages pre Purchase approvals convertible mortgages and More. One of the Best options to Speed up your Purchase process is the pre Purchase  can obtain a pre Purchase approval by going through the Normal mortgage paperwork now without a specific House in mind. Once stateside you simply decide on the House and Contact the mortgage  will fall into place and closing on your new House will not be delayed by the Mort Gage process. If you Are interested. Just con tact service Federal credit Union 489-6301/0631-56074 to get More details. You need Only Complete a Short form Anda mortgage loan Counselor will Contact you at your convenience. A y.-". Credit unions still on top phone loan simplify application you can now obtain a loan ust by picking up your phone and calling the overseas loan department at service Federal credit Union. Loan approvals Are accomplished in 30 minutes or less. You then have the option to schedule an appointment at your local Branch office to pickup your Check or to accomplish it through express mail. By phone people Are still turning to their local credit Union for the Best financial service. Recent Survey conducted by Cuna affiliates indicate that 85% of credit Union members Are very Satis fled with the credit unions their Pri Mary Finan Cial institution versus Only 59% of ban customers. This does not Surprise the credit Union advocates. Money tips service. After All. The credit Union philosophy almost Guaran tees better service state Sone service Federal credit Union executive. This Sam executive continued to emphasize the1m por Tance of retaining member stating that without Mem Bers we have no  each employee strives to retain member ship through exemplary we have n of each employee strives \ to through  so what is it exactly that brings members to the credit Union 1 Friendly service 2 competitive rates 3 Low fees 4 full menu of services accounts those arc just a few of the More important factors that bring in new members and keep old members. We like to get to know our members by name slated one service Federal credit Union employ source Cuna a Aff Ifim 1994national member Survey cd. With that Type of interest in servicing members you can understand Why credit unions stay on top Mil 489-6301civ 0631-56074 members win $5,000 on september 15. 1994. The service Federal credit Union awarded $500 to each of the following members. 1 joearmstead2 David a. Carden ,. 3j wornian a. Hershficld4 Mac  5 Angelique j. Hunter6 Brian Kenny 7 Deborah e. Luke8 Shirley Pittmann 9 Zabeth Michele schulz10 Bruce  above members participated the on going trivia sweepstakes that ran april to August 1994. They had to answer nine out of ten questions correctly to qualify for the $500 prize. Nine games in Tola ran. The articles contained Inthis editorial Are provided by service Federal credit Union personnel or -w174, not based on a $1.000 annual invest Man with a 6% average return starting at the age of 20 Carsy credit a is credit cards Are not All equal our information Centre society makes it very difficult to be an uninformed  matter How much you earn every Dollar you keep in you pocket adds up. Credit Wise Consumers knowhow to get the most for their Money. Consider the following tips to keep your credit under your control 1 maintain Only one or two unsecured credit  a a whether for clothing eating out. Vacations or whatever the fewer creditors you owe the fewer problems you will experience. Problems can Range fro just remembering to mall your payments to not being Able to afford the payments. One or two credit card bal ances can easily be recalled during shopping sprees vacations and emergencies. You won t need a calculator just to determine How much credit you have available. And no embarrassment when you pull out the wrong one for a Purchase 2 obtain the highest credit limit available. This will allow plenty of Roo for emergencies As. Well As monthly purchases. You May not need a $5.000 limit today. However if you must unexpectedly Fly your family Home or he cd Cash for any number of other valid reasons an Avail Able limit can make the differ ence.  a y. 3 avoid retailer credit cards at higher interest rates. / " sure they make Purchase easier with their own credit card but is it really More Worktop use your own major credit card retailers Are taught tomake it sound easier. Take the time and use one of the two major credit cards you choose to maintain. If you have used a retailer credit card obtain a Cash Advance on your major credit card and payoff the retailer As soon As possible to avoid expensive finance charges. 4 look for no annual fee Why pay the financial institutions to obtain their credit card after All you already pay them interest they want your business and Consumers Nee to remember this More and More financial institutions redoing away with the annual renewal fee. Of course. Credit unions Are leading the Way. 5 Grace period a must Don t Settle for anything Les than a 25 Day Grace period. This gives you plenty of time tomake Dally purchases and pay them off without finance charges accruing. 6 be cautious keep a list of credit car account numbers creditor addresses and phone  the list in a sate place and a copy with a relative you completely Trust. If you should have your card stolen while on vacation this will prepare you to report the cards As efficiently As possible and avoid charges to you account. Again notifying two creditors is much easier than notifying ten creditors. A Check out to try consumer assistance12606 Greenville Avenue to Box 749029dallas. To 75374-0000 Equi fax information service a customer correspondence . Box 740241atlanta, a 30374 Tran Union . Box 8070north Olmsted of 44070-8070 service Federal credit Union quiz Era Darun Especial Riconoci Minlo in esteem see Herncia hispania a Todos los his Parios de Nuestra Connin Idad. P Nuitai of Saber Corno pod mos sat Facer de Una Nijor Manrra Todas sus . U Sec seams to  i Clos sus . Tfx tis ,/jrrf/un/As . Scr foams con sus Pregun Las a Costa direction. Service Federal credit Union unit 8195 Apoate 09094