September 2019A Newsletter from Cleveland Heights Teachers Credit Union, Inc.• A5-starratedcreditunionbyBauerFinancial,Inc.in2016,2017and2018•EnteredIntoBusinessHallofFamebyClevelandAwardProgramin2017• VotedBestofClevelandintheClevelandCreditUnioncategorybyClevelandAwardProgramin2016,2017,2018and2019

Welcome Eric Kercher to the CHTCU office! Eric joins CHTCU with lots of member service experience. He looks forward to meeting and helping you. Eric replaces Sue Wojciechowski, who recently moved out of state.

Welcome Home!Personalized Mortgage Service For You!You can unlock the secrets of home ownership when you contact our partner, the Ohio Educational Credit Union, an organization that offers mortgages to CHTCU members. Our members work with Michael Mulhall, who will gladly review mortgage options, determine your eligibility, and find the right mortgage for you. Whether you’re purchasing your first home or your fifth, you’ll be pleased with the results. If you’re interested in refinancing a mortgage, he can help, too. He may be reached at his office (216-621-6296, ext. 3030), on his cell phone (216-262-5164), or via email at mmulhall@ohecu.com. Remember to tell him that you’re a member of CHTCU.

*Annual Percentage Rate. A sample monthly payment for a loan of $1,000 at 9 months for 9.99% APR would be $115.77. All loans are subject to credit approval. All rates and promotions are subject to change without notice. This promotion is scheduled to end October 15, 2019.

$1,000 • 9 months

9.99 % APR*

Back to School Loan

Holiday Hours: September 30, 2019 ....................Closed ........ Rosh HashanahOctober 9, 2019 ..........................Closed ........ Yom KippurNovember 27-29, 2019 .................Closed ........ Thanksgiving BreakDecember 23, 27, 30, 2019 ...........Open ........... 9:30 a.m. - 2:30 p.m.December 24, 25, 26, 31, 2019 ......Closed ........ Winter BreakJanuary 1, 2020 .........................Closed ........ Winter BreakJanuary 2-3, 2020 ......................Open ........... 9:30 a.m. - 2:30 p.m.

Office Hours:9:30 a.m. – 4:00 p.m. (During the school year)9:30 a.m. – 2:30 p.m. (Summer and vacation hours)Appointment hours available

www.chtcu.org

Cleveland Heights Teachers Credit Union, Inc.14780 Superior RoadCleveland Heights, Ohio 44118-2121Phone: (216) 371-2550 E-mail: chtcu@chuh.org

Membership is open to all employees of the Cleveland Heights-University Heights Board of Education and their families and all employees of organizations affiliated with the Cleveland Heights-University Heights Board of Education.

Open your account before October 31, 2019 with payroll deduction, and we will waive* the $25 membership fee. *Payroll deduction must remain in place for at least six months. Some restrictions may apply.

All rates and promotions are subject to change without notice.

Cleveland Heights Teachers Credit Union Receives Best of Cleveland Award for 4th Consecutive Year!Who’s the Best Credit Union in Cleveland? We are! According to the Cleveland Award Program, we’re the BEST Credit Union! The Cleveland Award Program recognizes companies that make our city a great place to live, work, and play. We were honored to be recognized again this year. Let your family and friends know that CHTCU is the BEST, and tell them to stop in and join. Membership is open to employees and their families of the Cleveland Heights-University Heights Board of Education, as well as to employees of organizations affiliated with the Cleveland Heights-University Heights Board of Education.

An Added Layer of Credit/Debit Card Protection IN your Wallet! Visit the credit union for your complimentary RFID sleeve.You’d think the safest place for your credit and debit cards is in your wallet. But it might not be. A new technology called RFID allows some payment terminals to scan card information electronically. These same scanners can also be purchased by criminals and can steal your card information THROUGH a wallet that’s in your pocket or your purse. It’s easy to prevent this from happening. Simply slip your cards into an RFID sleeve before you place them in your wallet. These sleeves are now available in our office. Stop in today to pick up your FREE RFID sleeve.

Best of Cleveland

AGAIN!

Desk Calendars are Here!

Desk calendars for the 2019 – 2020 school year are now available! Stop by the credit union to get yours.

But please, one per member!

NowAvailable

NowAvailable

Still haven't joined CHTCU?Qualified members will receive letters in

the mail in November

HolidaySkip-a-Pay