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Welcome to the Formica-Evendale Federal Credit Union
Your rock in a hard place!
NOW THROUGH AUGUST 31ST
Choose from the months of June, July or August
to *skip your loan payment(s).
Stop by or call the Credit Union to sign up now!
*A processing fee of $30.00 per loan will apply.
*Auto rates as low as 4.25% for up to 60 months! HURRY, SALE ENDS 6/30/2009!!
DECIDING BETWEEN 0% OR CASH REBATE? (SEE BELOW)
100% Financing
*Contact the Credit Union for more information. Some restrictions apply. Year of vehicle determines rate, 1% higher for vehicles 2000-2006. Final rate dependent on Beacon Score.
 Take advantage of the possible deduction on your federal tax obligation for sales tax paid on the purchase of a new vehicle this 2009 year.
The deduction is limited to the state and local sales and excise taxes paid on up to $49,500 of the purchase price of a qualified new foreign or domestic cars, SUV's, light trucks, motor homes or motorcycles that weigh no more than 8,500 pounds. You can still buy a qualifying vehicle for more than $49,500 (e.g a $80,000 BMW per a commenter's question below), but you will only get a tax deduction up to the specified limit.
The deduction is only available to families making less than $260,000 (or $135,000 for single filers). It is phased out for taxpayers whose modified adjusted gross income is between $125,000 and $135,000 for individual filers and between $250,000 and $260,000 for joint filers.
The new vehicle must be purchased on or after Feb. 17, 2009, and before Jan. 1, 2010, to qualify for the deduction. Purchases before Feb. 17, 2009, are not eligible for this special deduction.
The deduction is available regardless of whether a taxpayer itemizes deductions on their return (Schedule A). The deduction cannot be taken on 2008 tax returns (even if they are amended or filed late). Also, unlike other tax credits in the economic stimulus package this tax break is not an offset to your federal taxes (i.e. a tax credit), it is a deduction against your taxable income.
Is Zero Percent right for you?
You may be able to save money by taking the cash rebate versus the zero percent interest rate. The reason? Because of low interest rates, many times the finance charge is less than the cash rebate, therefore, you would better benefit from the cash rebate. The results? A lower monthly payment. Click here to see which method would be the best for you (click on Auto then "take the rebate or special financing"). Go ahead and see for yourself! By comparing the two payments for the same amount of months, you'll be able to make an informed decision.
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Are financial burdens weighing you down? |
Signature Loan Rates still as low as *5.75%
*Payback term and credit score determine final rate
Having trouble signing in to the Internet Teller? In order to access the Internet Teller you will need a User name and password. Please contact us to set up your account today.
Please note: Telephone numbers are not stored in the Internet Teller. The Internet Teller is manually updated once per day.
Internet Teller Users: A problem with the email under "contact us" in the Internet Teller menu has been corrected. We should now be able to receive your email .
Click above for account insurance calculator
We are financially sound and ready to serve YOUR financial needs!
At Formica Credit Union, your family is our family.
All immediate family members are welcome to join.
Call or stop by the credit union for more information
LoveMyCreditUnion.org
MEMBERS BEWARE...
Beware of new phishing scam aimed at Credit Union members: Emails are being received by the thousands stating that online account access has been suspended and it directs you to call a phone number to re-instate it. Do not call and never give out your personal and/or account information to anyone. Exceptions would be if you initiate a call to your financial institution directly.
Pharming, unlike phishing, automatically directs computer users from a legitimate Website to a fraudulent copy of that site with no warning signs. Once transferred to the fake site, it collects passwords, credit card numbers and other private information for the purpose of committing identity theft. Phishing requires a response from the victim, pharming does not.
Protect your private information by downloading the free toolbar from TraceSecurity. Please visit the following link to download the TraceAssure free toolbar:
http://www.tracesecurity.com/solutions/traceassure_toolbar.php
*See disclaimer at bottom of page regarding the following links.
Click below to check today's gas prices
CLICK BELOW TO FIND A NO SURCHARGE ATM CLOSE TO YOU
 BUYING A USED CAR? CHECK IT OUT FIRST!
 What's it worth? Click here to find out!
CLICK HERE FOR YOUR FREE ANNUAL CREDIT REPORT
CLICK HERE TO FIND OUT HOW YOU CAN AVOID ID THEFT!
*Links Disclaimer
Formica-Evendale FCU has provided links to Internet sites maintained by third parties. Formica-Evendale F.C.U. does not operate or control in any respect any information, products or services on these third-party sites.The hypertext links to websites outside of Formica-Evendale FCU are displayed on this website are for the convenience of our members and go to information created and maintained by other public and private organizations. The inclusion of links or pointers to particular items in hypertext are not intended to reflect their importance, nor is it intended to endorse any views expressed, or products or services offered on these outside sites, or the organizations sponsoring the sites.
Member ALERT: Formica-Evendale FCU will never send communications requesting ANY information such as account numbers, passwords or personally identifiable information. If you receive any correspondence that requests this information and refers to the Formica-Evendale FCU, please contact us immediately at 513-786-3103.
Privacy Statement and USA Patriot Act | 
