15-year Fixed Rate Mortgage Special
Rates as low as 3.00% (3.29% APR)*

May 18, 2012 – May 21, 2012

APPLY NOW to lock in your Mortgage rate 

A fixed rate mortgage has a secure rate and payment for the life of your loan.    
 - Fixed interest rates   
 - 15-year term   
 - Funds escrowed to pay taxes and insurance   
 - Fast approval   
 - FREE pre-approval letters   
 - Easy application process   
 - No prepayment penalties

Call or Visit Ohio Catholic
216-663-6800
Garfield Hts.  -  Macedonia  -  Akron  -  Cleveland West
North Royalton  -  Cathedral Square

*APR is Annual Percentage Rate. The APR will be affected by the loan amount and certain closing costs.  The 3.00% (3.29% APR), 15-year mortgage rate is the advertised rate and can vary based on your creditworthiness.  Financing up to 80% of the home value is available. $25,000 minimum loan amount required and $417,000 maximum loan amount available.  Maximum loan term is 180 months.  No prepayment penalty. This offer is available on owner occupied homes.  Property insurance required.  Flood insurance may be required in some areas.  Ohio Catholic may discontinue or change program without notice. No other discounts or special offers can be combined with this offer. Loan must close within 30 days of approval.  Standard loan terms and conditions apply. If you respond to this offer but do not meet the criteria for the loan at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you.  Promotional rate includes escrowing of real estate taxes and homeowners insurance.  Rate will increase by .50% if escrow is waived.  If there is any cash out on the loan, the rate will increase by .50%.     Payment example: $200,000 with a rate of 3.00% (3.29% APR with an estimated $4,000 in closing costs) for 15 years would have a monthly principle and interest only payment $1408.79.

7-Year Fixed Mortgage
rates as low as 3.50% (3.53% APR)* 

APPLY NOW 

* APR is Annual Percentage Rate.  The 3.50%, 7-year mortgage rate is the advertised rate and can vary based on your creditworthiness.  Your rate can be higher depending on credit performance and Ohio Catholic’s lending policies. $25,000 minimum loan amount required and $150,000 maximum loan amount available.  Maximum loan term is 84 months.  Maximum loan to value is 80%.  No prepayment penalty. This offer is available on owner occupied homes.  Ohio Catholic FCU must be in the first lien position. Mortgages currently financed through Ohio Catholic cannot be refinanced with this offer.  Property insurance required.  Flood insurance may be required in some areas.  Ohio Catholic may discontinue or change program without notice. No other discounts or special offers can be combined with this offer. Loan must close within 30 days of approval.  Standard loan terms and conditions apply. If you respond to this offer but do not meet the criteria for the loan at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you.    Payment example: $75,000 for 7 years at a rate of 3.50% (3.53% APR with $75 loan documentation fee) would result in a monthly Principle and Interest payment of $1009.00.

Motorcycle Loan Special
Rates as low as
      3.99% (4.30% APR) for 48 months     

APPLY NOW

                 Offer available April 27, 2012 – May 31, 2012               

Other great benefits include:

• Low, Fixed Interest Rates
• Flexible Financing Terms - for New and Used Vehicles
• No Prepayment Penalties
• Easy Application Process – online, in-person or by phone
• Fast Approvals
• Notaries on Staff for Title Transfers

* APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, and is available to applicants who meet all loan promotion requirements: term of loan must 48 months or less, age of vehicle must be calendar year 2011 or newer, $2,500 minimum loan amount required, loan to value ratio must be 80% or less of NADA retail book value or MSRP. Payments must be auto-pay from an Ohio Catholic Federal Credit Union account, and loan must close by June 2, 2012.  Vehicle insurance is required.  Your rate can be higher depending on credit performance and Ohio Catholic FCU’s lending policies.  Promotional rate is available April 27, 2012 to May 31, 2012.  Monthly payments will be fixed and spread equally across the life of the loan. No prepayment penalty.  Motorcycle loans currently financed through Ohio Catholic FCU cannot be refinanced with this offer.  All other vehicle loan discounts are not available with this special offer.  If you respond to this offer but do not meet the criteria for a loan at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you. Ohio Catholic Federal Credit Union may discontinue or change program without notice.  Payment example: loan amount of $12,000 at 3.99% (4.30% APR with $75 loan documentation fee) for 48 months would have a monthly principle and interest payment of $272.59.

Use your Ohio Catholic VISA for all your purchases made March 8, 2012 through May 30, 2012 and enjoy the special 1.99% rate on those purchases until November 30, 2012!

What are the benefits of an Ohio Catholic VISA credit card?
- NO annual fee
- Reward points for every dollar you spend,
    which may be redeemed for merchandise or travel services
- Reduces the need to carry cash
- Offers more fraud protection than a debit card
- Can use cash advance service for additional funds
- No balance transfer fee

APPLY NOW 
or start using your existing card to save money today!

APR= Annual Percentage Rate.  The 1.99% rate on purchases is a promotional rate.  It is good only on new purchases made through 5/31/12 by new or existing cardholders and the promotional rate of 1.99% is applied through 11/30/12 on those purchases.  After 11/30/12 the rate will then be changed to the approved VISA card rate.  The interest rate on purchases will remain 1.99% unless the account becomes delinquent and/or over the limit until 11/30/12.  At that time the rate will be changed to the approved VISA card rate.  OCFCU maintains the right not to open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if the member does not meet Ohio Catholic FCU’s standards for creditworthiness; b) member’s name and/or mailing address have been altered. This offer is a limited time offer and can be changed or discontinued without notice.

 Cleveland Historical Church Tour

 When:  June 27, 2012

Cost:  $70/person

Please join Ohio Catholic on a tour to explore some of the beautiful and historic Churches and Houses of Worship in the greater Cleveland area.  We will be met at each sacred place by a Church staff member or volunteer who will make a presentation on its history, how it has served its congregation over the years and its current standing today.  Join us as we learn the fascinating and unique stories behind these remarkable holy places of worship and gain a glimpse into the lives of the people they have served.  Bring your camera to photograph the handsome architecture, old-world craftsmanship and priceless statues & windows created long ago.  Here is your chance to be part of this unique adventure as we visit St. Patrick’s on Bridge in Ohio City, Holy Rosary Church, Little Italy, Our Lady of Lourdes, St. Stanislaus of Slavic Village, and the Museum of Divine Statues.   Plus, we have included a wonderful luncheon at Nido’s Italia Restaurant.

Itinerary:

• 8:30 am    Board and Depart at Ohio Catholic Federal Credit Union parking lot                  
• 9:00 am    Arrive St. Patrick’s on Bridge in Ohio City
• 10:15 am  Museum of Divine Statues
• 12:00 pm Nido’s Italia Restaurant
• 1:30 pm    Holy Rosary Church, Little Italy
• 2:50 pm    Our Lady of Lourdes, Broadway at E. 53^rd St.
• 4:00 pm    St. Stanislaus of Slavic Village
• 5:20 pm    Approx. time of arrival at Ohio Catholic FCU

Space is limited…reserve your spot today!

Stop by any Ohio Catholic branch location or
call (216) 663-6800 to register.

ID THEFT AND FRAUD

• In 2008, identity fraud victims increased 22% to 9.9 million people.
• Ohio is considered to have a higher than average incidence rate for identity fraud.

 What information was obtained by fraudsters?

• 43% – name and address
• 38% – social security number
• 16% – driver’s license number
• 16% – checking account number
• 15% – ATM PIN on debit card
• 13% – PIN on credit card

 How was the information obtained?

• 43% was acquired from a lost or stolen wallet, checkbook, credit card or other physical document
• Main means of fraud for women is accessed while making a purchase or transaction… not an online purchase……that is only 1%

 How does Ohio Catholic protect its members?

1. We identify attacks on the credit union or member
2. We protect our network and member information
3. We respond immediately if a breach occurs or if the member becomes a victim
4. We educate our staff and members

 152,000 rogue anti-malware programs are found on the internet – fake security software that actually infects computers to animate assorted crimes.  Do NOT search for anti-malware programs via Google, Yahoo, or any other search engine!

10 Tips to Protect Yourself from Identity Theft

Protect SSN and PIN: Keep SSN off checks, out of wallet. Don’t write down or give out PIN number
Review Statements: Watch for and report unauthorized charges – check accounts online for extra security. It’s the 21^st century with 21^st century fraud.
Order credit reports for you and your children: Get three per year at www.annualcreditreport.com
Opt Out: (1) optoutprescreen.com (2) catalogchoice.org (3) dmachoice.org (4) donotcall.gov
Shred it: Don’t toss any documents with identifying information….including mailers.
Freeze it: No new accounts in your name unless you say yes. Make sure you understand the costs and inconvenience. Visit financialprivacynow.org
Lock it up: Keep a safe at home for important documents
Mail bills safely: Use USPS mailboxes or the post office
Safeguard your computer: Use firewall. Install virus protection and spyware detection software, and seek software with auto-updates. Use strong passwords. Don’t click on unknown links.
Go paperless: Use online bill-pay, electronic deposit, online statements, account alerts

Over the past two days, Ohio Catholic Federal Credit Union has received multiple calls from members and non-members stating they received a text message from Ohio Catholic saying their cards have been deactivated.  All calls have had the same area code (216) and the first three digits of the numbers are 287.

This is a SCAM as Ohio Catholic would never ask a member for any type of information using text messaging — do not provide any credit card information if ever asked.

If you have given out your credit card account information or suspect that your card has been compromised in any way, please call Ohio Catholic FCU as soon as possible.  Ohio Catholic will close your current credit card to prevent any fraudulent activity and issue you a new credit card.  When calling Ohio Catholic, please have your account number and the last four digits of your credit card available.

216-663-6800
888-MyOhioCatholic
888-696-4462