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  • 2017 Holiday Smart Shopping Guide 2017-11-28T10:11:09+00:00

    2017 Holiday Smart Shopping GuideThe Best Way to Spend, Save, and Manage Your Money Throughout the Holidays

    2017 Holiday Smart Shopping GuideThe Best Way to Spend, Save, and Manage Your Money Throughout the Holidays

    The holiday season starts with Black Friday. If you’re going to shop all those sales, you need a smart plan. That’s what we’re here for. Below is everything you need to prepare for and manage your way through the holidays.

    The holiday season is here. If you have any holiday shopping left, you need a smart plan. That’s what we’re here for. Below is everything you need to prepare for and manage your way through the rest of the holidays.

    The holiday season is nearly over. If you have last-minute shopping to do, you need a smart plan. That’s what we’re here for. Below is everything you need to prepare for and manage your way through the rest of the holidays.

    The holiday season is now over. It’s time to take care of your holiday hangover of debt. That’s what we’re here for. Below is everything you need to bounce back and be better prepared for

    Smart Spending

    Personal Loan

    Why: Using a Personal Loan Instead of a Credit Card
    Could Save You More Than $3,0001

    Let’s say you spend $5,000 and put it all on your credit card. When you compare making the minimum monthly payment on your card against making the monthly payment on a Personal Loan of the same amount, here’s how much you save on interest over time:

    Connexus Personal Loan1
    $783.12Interest
    Average Credit Card1
    $3,824.90Interest
    Savings With a Personal Loan1$3,041.78

    Holiday Special: Enter Promo Code HOLIDAY to Get a Personal Loan With a Rate as Low as 5.88% APR1

    Mobile Wallet

    Why: A Mobile Wallet is a Faster, More Secure Way to Check Out

    Millions of stores, online retailers, and apps accept Mobile Wallet payments. And all Connexus debit and credit cards are compatible with Apple Pay®, Samsung Pay®, and Android Pay™. Choose your preferred service to learn more about setup and use.

    Two women looking at a mobile device

    Checking Accounts

    Why: Because We Have Some of the Best Ones Around*

    Connexus Checking Accounts were recognized in NerdWallet’s list of Best Checking Accounts of 2017. All three of our Checking Account options come with access to 54,000 surcharge-free ATMs and 24/7 access to Digital Banking. It’s an easy way to shop.

    Personal Line of Credit

    Why: You Only Pay Interest on the Money You Actually Borrow

    If you do your shopping with a Personal Line of Credit, you only have to worry about paying the interest on the money you actually use. Our two Line of Credit options range from $3,000-$15,0003 and $5,000-$25,0004. Plus, there’s no collateral required and no annual fees.

    Smart Money Management

    Balance Peek

    Why: It Makes Checking Your Account Balance Easier Than Ever

    Balance Peek can be set up through the Connexus App on your smartphone or smartwatch. When you’re in the checkout line, you can take a quick peek at the balances in your accounts without even logging in to the App.

    Account Notifications

    Why: Keeps You up to Date on Everything Happening With Your Account

    Alerts can be sent to your device by email, text, and/or push notification. And there are 10+ notification options to choose from, including balance alerts, purchase alerts, and budget alerts.

    Instant Transfers

    Why: Money Can Be Moved Between Connexus Accounts in Seconds

    If you’re in the checkout line and realize you don’t have enough money in your account to cover your bill, you only need a few seconds to grab your phone, open the Connexus App, and transfer money.

    Download on the App Store

    Get It on Google Play

    Not signed up for Digital Banking? Register here.

    Smart Saving

    Savings Goals

    Why: It’s an Easy Way to Plan Ahead for Holiday Spending

    Within Digital Banking, you can set up a savings goal for holiday shopping. You choose the amount, start date, and target date, and we’ll tell you how much you need to save each month to reach your goal.

    Download on the App Store

    Get It on Google Play

    Not signed up for Digital Banking? Register here.

    Holiday Club Savings Account

    Why: It’s Never too Early to Prepare for Next Year

    A Savings Account specifically for holiday spending is an easy way to set money aside throughout the year. Just set up a direct deposit and on Oct. 1, your money is available to you via transfer5. $50 per payday over 26 paydays will give you $1,300 to spend.

    Disclosures

    1 APR = Annual Percentage Rate. Comparison is based using the average national credit card rate of 16.14% APR as of 10/5/17 from www.creditcards.com, a $5,000 balance assuming minimum monthly payments of 3% of total balance, and no additional advances or charges. A $5,000 credit card balance at 16.14% APR with minimum monthly payments of 3% of the balance takes 182 months and $8,824.90 to pay off. Personal Loan is based on a $5,000 loan, 60 month term, 5.88% APR and monthly payments of $96.39 with $5,783.12 to pay off. The difference between $8,824.90 and $5,783.12 is $3,041.78. Enter promotion code HOLIDAY50 in the application process for the lowest available rate of 5.88% APR. Borrow $5,000 at 5.88% APR for 60 monthly payments of $96.39 or $19.28 per $1,000 borrowed. Minimum loan amount $5,000, maximum loan amount $20,000. Rate includes a 1% discount for active checking2, and a 2% discount for automatic payments. Other loan rates and terms available. Standard non-promotional rates begin at 8.99% APR. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change. Offer valid 10/18/17 to 11/27/17.

    2 Active checking is defined as having at least one (1) Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month; having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. ATM transactions not included.

    Flex Line of Credit
    3 APR = Annual Percentage Rate. 10.24% APR is our lowest available rate as of 9/5/2017. Rate adjusts quarterly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $3,000; maximum loan amount $15,000. Payments calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union.

    FlexPlus Line of Credit
    4 APR = Annual Percentage Rate. 8.74% APR is our lowest available rate as of 9/5/2017. Rate adjusts monthly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $5,000; maximum loan amount $25,000. Payments are calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union.

    5 Preauthorized automatic transfers, telephone transfers or withdrawals, electronic banking withdrawals and transfers prohibited. Funds will be automatically transferred annually to the savings account on October 1.

    Android is a trademark of Google Inc. Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. App Store® is a service mark of Apple® Inc. Android™ and Google Play™ are trademarks of Google™ Inc. Message and data rates may apply for all Digital Banking features.

    Disclosures1 APR = Annual Percentage Rate. Comparison is based using the average national credit card rate of 16.14% APR as of 10/5/17 from www.creditcards.com, a $5,000 balance assuming minimum monthly payments of 3% of total balance, and no additional advances or charges. A $5,000 credit card balance at 16.14% APR with minimum monthly payments of 3% of the balance takes 182 months and $8,824.90 to pay off. Personal Loan is based on a $5,000 loan, 60 month term, 5.88% APR and monthly payments of $96.39 with $5,783.12 to pay off. The difference between $8,824.90 and $5,783.12 is $3,041.78. Enter promotion code HOLIDAY in the application process for the lowest available rate of 5.88% APR. Borrow $5,000 at 5.88% APR for 60 monthly payments of $96.39 or $19.28 per $1,000 borrowed. Minimum loan amount $5,000, maximum loan amount $20,000. Rate includes a 1% discount for active checking2, and a 2% discount for automatic payments. Other loan rates and terms available. Standard non-promotional rates begin at 8.99% APR. Loan subject to approval and qualifications. Rate may vary on individual credit terms and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union. Rates subject to change. Offer valid 11/28/17 to 12/25/17.

    2 Active checking is defined as having at least one (1) Direct Deposit of net pay, including salary, wages, government benefits, or pension made to the account each month; having ten (10) checks, ACH withdrawals, and/or debit card transactions clear the account by the last business day of each month; and electing to receive eStatements. ATM transactions not included.

    Flex Line of Credit
    3 APR = Annual Percentage Rate. 10.24% APR is our lowest available rate as of 11/28/2017. Rate adjusts quarterly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $3,000; maximum loan amount $15,000. Payments calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union.

    FlexPlus Line of Credit
    4 APR = Annual Percentage Rate. 8.74% APR is our lowest available rate as of 11/28/2017. Rate adjusts monthly based on prime plus a margin and applies to the entire outstanding balance. Maximum rate is 18.00% APR. Rate is variable. Finance charge begins to accrue on the day an advance is made on the line. Overdraft/NSF Transfer Fee $8.95, Modification Charge $29.00, Late Charge $15.00, and Returned Payment Fee $29.95. No annual fee. Minimum loan amount $5,000; maximum loan amount $25,000. Payments are calculated on 2% of the outstanding balance. Other Personal Line of Credit rates and terms available. Your Personal Line of Credit is subject to approval and the rate may vary based on your individual credit, term, and relationship level. Certain restrictions may apply. Not valid on tuition expenses and interest is not tax deductible. Does not apply to loans currently financed with Connexus Credit Union.

    5 Preauthorized automatic transfers, telephone transfers or withdrawals, electronic banking withdrawals and transfers prohibited. Funds will be automatically transferred annually to the savings account on October 1.

    Android is a trademark of Google Inc. Apple Pay® is a trademark of Apple Inc., registered in the U.S. and other countries. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd. App Store® is a service mark of Apple® Inc. Android™ and Google Play™ are trademarks of Google™ Inc. Message and data rates may apply for all Digital Banking features.