You Are Here:
Home › About › Member Communications
Member Communications
Get up to date on the most recent events and notices to members.
January 2012 Interest Newsletter
Snapshot Photo Now Available on Your MIDFLORIDA Credit Card
Now you can pay with credit and take credit for a great photo at the same time! Just upload your favorite photo at midflorida.com, and we’ll have a new VISA credit card produced with your photo on it. Best of all, for a limited time, you can take advantage of this personalization option for free. The Snapshot Photo option is available on newly approved credit card accounts as well as existing cardholders.
(Note for existing cardholders, your blue MIDFLORIDA Platinum credit card will continue to function. Plus, your card number will not change, so you will not have to change any automatic payments you may have established with your MIDFLORIDA credit card.)
No Annual Fee
You’d think with such a low rate there would be a big annual fee attached to our card, but there isn’t! Zippity zero!
Low, On-going Rate
Rates as low as 9.99% APR
Enjoy a rate that’s well below the national average and most likely well below the rates of the other cards in your wallet. Compare the interest rates and see how much you can save by using our card.
0% APR Balance Transfers for the First 12 Months
(for new credit card accounts)
Transfer your holiday shopping and travel debts from higher credit cards to our lower rate card and save money instantly!
Offer valid as of January 2, 2012. Credit approval is required. Annual Percentage Rates (APR) on balance transfers are a limited time offer and may be cancelled at any time. A 1% balance transfer fee will apply. The APR for purchases will range from 9.99% to 18.00%, depending on your credit rating and other factors, and will vary with the market based on the Prime Rate. If the cardholder is 60 days late on a payment, the rate on the card may increase.
Branching Out to Davenport and Brandon in 2012
The Davenport branch located at 300 Ambersweet Way will serve the Four Corners area with a full-service facility with four drive-thru lanes, five teller windows, safe deposit boxes, a night drop and a drive-up ATM. This branch is expected to be open in early 2012.
The Brandon branch located at 825 W. Brandon Blvd. will offer a stand-alone facility to serve the Valrico/Brandon market. Renovations are just beginning, but the branch is planned to be open mid-2012.
Don’t let your Tax Return Money Play Hide & Seek with You!
Direct deposit of your tax refund can allow you access to your money more quickly than ever before. However, without the right account numbers, your money may sit in hiding, waiting to find the right account. Don’t let that happen to you – and your money.
Use the check image below to ensure you are providing the correct routing number and account number.
Need more help, just call the Help Desk!
(863) 688-3733
Toll Free (866) 913-3733
59th Annual Meeting of the Membership
Join us as we recap the results for the credit union for 2011 and elect board members.
Tuesday, April 10 at 6:00 p.m.
MIDFLORIDA Tower, 5th Floor Community Room
129 S. Kentucky Ave., Lakeland, FL
View Candidates”
Blissfully Low New Car Rate
Rates as low as 2.99% APR. Apply online, at a branch or at the dealership.
The Benefit of Having a Beneficiary
A beneficiary on your account or a product ensures that should something happen to you, the proceeds of the account can be transferred over to the named benefactor. However, the benefit of having this available on your account can be outweighed by not keeping your beneficiary up to date. Often life changes – births, deaths, marriage or divorce – can impact your beneficiary status. If you have undergone any of these life changes or haven’t reviewed your beneficiary status recently, now’s a good time to check. Just ask when you visit any branch or call the eBranch. To have a beneficiary changed requires paperwork, but finding out who is named on your account is simple – and worthwhile.
Don’t Let Tax Window Shut on 2011 Retirement Contributions
A message from Heacock Financial
A successful retirement depends on a disciplined financial strategy. One key factor is regularly setting aside money into your retirement savings plans up to the maximum you can contribute every year.
Just a friendly reminder of the April 17, 2012 deadline to contribute up to $5,000 ($6,000 for anyone 50 or older) to your traditional or Roth IRA. These same limits apply to spousal IRAs. Remember, too, that you can also contribute to an employer-sponsored qualified pension plan or participate in a 401(k) or 403(b) if you qualify, even if you contribute to an IRA.
If you’ve already contributed the maximum for 2011, you may want to consider an early contribution for 2012, which you can do after January 1. Contributing early may give you greater earning power due to the compounding effect of any reinvested income throughout the year.
Converting a traditional IRA into a Roth IRA has tax implications. Investors should consult a tax advisor before deciding to do a conversion. Investors should always discuss any tax matters with an appropriate tax professional.
If you have questions about retirement planning, please contact the advisors at Heacock Financial toll free at (888) 520-7526 or email info@heacockfinancial.com.
Heacock Financial is an independent registered investment advisory firm with securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Offices located at 1109 US Hwy. 27 N. in Sebring and 129 S. Kentucky Ave. in Lakeland. Securities are: not deposits; not insured by NCUA or any other governmental agency; not guaranteed by the Financial Institution; subject to risk and may lose value.
Heacock’s Quote Generator for Homeowners Insurance
A message from Heacock Insurance
You may have been tempted to try a quote generator from some well-advertised insurance companies with the promise of saving money or time. But did you know that you have your own Quote Generator on standby at Heacock Insurance? Heacock’s Quote Generator comes in the form of a personal interview about your needs, an assessment of your current coverage, a projection of any future increases in coverage, plus a quote from a series of well-established insurers. And, to top that, Heacock offers the possibility of saving you money or providing more coverage without increasing your premium. To get a quote from your own personal professionally-trained Quote Generator, call Heacock Insurance today!
Lakeland (863) 683-2228
Sebring (863) 385-5171
Toll free (800) 677-5172
Mom’s Rules Rule Online, Too!
Don’t be offended when you aren’t recognized.
Many times it’s difficult to keep up with user IDs and passwords so to ease our overload, we may ask a site to remember our information. That can be dangerous – especially if you access your account from a shared computer. It’s best to pass on the offer of the site remembering your information so if a fraudster sits down at the same computer, they don’t get automatic access to your account. It may be nice to be recognized when you log in, but it’s better to be protected.
When you leave, make sure you shut the door.
You hop on to online banking to pay a quick bill, and then maybe you get distracted and leave your computer and the door to your account access wide open. Leaving your online banking open may allow others to tamper with your account. To really shut the door on your online access, you should click on the log-out button. While MIDFLORIDA’s site does log you out after a period of inactivity, it’s best to close the access once you have completed your transaction.
Home
