E-Update Newsletter
Winter 2014
Volume 4: Number 1
Boomers!
Retiring mortgage-free is within your grasp.
Are you 5 to 10 years from retirement, and…
- Paying at least 1% more than the current mortgage rates?
- Have at least 30% equity in your home?
- Have a good credit score?
- Plan to stay in your home after retirement?
- Have an adjustable rate mortgage with another lender?
- Want to eliminate mortgage payments once you retire?
Fixed-Rate Mortgage solutions designed just for our baby boomer members!
You may even have the opportunity with this offer to coordinate your mortgage pay-off date with your retirement date!
2.75% APR
5 to 7 year term
3.00% APR
7 to 10 year term
No Points
- Existing refinances only
- Owner occupied only
- 70% Loan to Value ratio
- $999.00 application fee
Talk with the mortgage specialists at Tri-Co!
Limited Time Offer*
*Offer available to new Tri-Co mortgage applicants and those refinancing a mortgage from another lender. Seven year maximum term applies for the 2.75% Annual Percentage Rate; 10 year maximum term applies for the 3.00% Annual Percentage Rate. These are fixed –rate loans and the APRs are not subject to change during the terms of the loans. Loans are subject to normal credit approval. If a member were to borrow $100,000 for 7 years or 84 months at an APR of 2.75%, their monthly payment would amount to approximately $1,310.00. A member borrowing $100,000 for 10 years or 120 months at an APR of 3.00% would expect a monthly payment of approximately $966.00. This offer is valid from February 1, 2013 through April 30, 2013.
Get out from under crushing credit card debt for only 7.99% APR.
Unsecured loan up to $2,500
18-Month Term
Low, 7.99% APR* financing
Tired of dealing with debt every day? A smart solution is to get on top of your finance worries quickly. What annual percentage rate of interest are you now paying on your credit cards? 11.99%? 14.99%? Higher?
Use the Tri-Co Smart Solution Loan to:
- Help reduce high rate credit card debt.
- Help reduce store credit card debt from the Holidays.
- Take care of small home repairs or improvements without using expensive credit cards.
Your possibilities are endless at a very low rate!
*APR=Annual Percentage Rate. To qualify, members must have a credit score of at least 660. A member borrowing $2,500 at an annual percentage rate of 7.99% for a term of 18 months would expect to pay $26.61 per $100 borrowed. This offer is subject to end or change without notice.
Auto loan rates as low as 2.99% APR
With Tri-Co's same-day approvals
Why wait?
With the new model year in full swing, and the prices of pre-owned vehicles finally coming down, it is definitely a buyer’s market.
We’ll sweeten the deal with affordable rates and generous terms to fit your car-buying needs. Take Tri-Co’s 36 month new- or used-auto loan rate of 2.99%* Annual Percentage Rate. Need a longer term? We have 48, 60 and 72-month term auto loans, same rate for new or used (new to you) models. Perfect for refinancing!
Whatever term you want or rate you qualify, lower your APR by ½% with “Auto Deduct,” having your loan paid automatically from your checking account, on time, every month.
*New Money Only. No refinancing of existing Tri-Co loans. This is a limited time offer. Normal underwriting procedures apply for this limited time only loan offering. A member being approved for an auto loan of $15,000 at a term of three years with an APR of 2.99% could expect a monthly payment of approximately $436.15. This 2.99% APR rate was 3.49% before the rate reduction due to Auto Deduct. Refinancing of another lender’s loan only. These rates are subject to change without notice.
Everyone knows a thing or two about fitness, but do you really know how you should approach becoming physically fit? It’s a lifelong commitment that requires lifestyle changes.
However, don’t let this scare you, as you actually need to start small and take it easy. You can then build yourself up over time, as you motivate yourself with the right plan. Keep reading to find out how to achieve your personal fitness goals.
How to achieve your personal fitness goals...
First of all, think about what you’re putting into your body. You don’t want to load up on sugar and salt. You want to eat healthy from all the different food groups. Pick plenty of fruits and vegetables, refrain from eating out too often and always think before you eat.
You want plenty of protein for your workouts, especially right before a workout. It is best to eat more meals each day but smaller portions, and you cannot skip breakfast. Make sure you’re watching what you eat and trying to make the right decisions.
Get creative with your workouts, and try to always keep things motivating and upbeat. Do things that you enjoy. What type of sports do you like participating in? Do you like to swim? Perhaps you like to play some basketball from time to time. Get to learn new activities, and try new things!
While you might even enjoy working out by yourself from time to time, it’s also important that you get social and feel the support around you to keep you going. You want to be supportive of those around you as well. It can feel really invigorating having someone to talk to and share experiences with. Remember, they are going through many of the same things you are.
What parts of your routine during your day can you make more fitness-oriented. Do you sit at a desk all day long working? If so, there are many things you can do to shake up your routine and get yourself moving. Also, where do you park at the store? Don’t try to get the closest parking space to the handicap space.
Instead, park further away, and walk more steps each day. Get yourself a pedometer so that you can enjoy calculating the amount of steps. There are so many ways you can switch up your routine to help maximize fitness.
How to achieve your personal fitness goals…
Joining classes can help motivate you and keep you accountable as well. Classes move on with you or without you. That way, you don’t have to rely on your own strength all the time to get your workout in for the day. There are a variety of different classes usually offered in all areas, so make sure you check into them.
It is time to take a good look at your daily life to determine if there is more you could be doing for your personal physical fitness. Surely there is, as it’s always a work in progress. Keep the tips in mind that you’ve read so that you can take a better approach.
