INSIDE SAVE-THE-DATE ............. 2 Car Buyers’ Worst Mistakes ................. 3 NSCU Loan Products........ 3 New Benefits Programs: • Star REWARDS .............. 4 • Benefits Plus+ ................. 4 Dealer of the Month .......... 4 NSCU Kindness Crew ....... 6 NSCU Branches ................ 6

Page 2 Employee Spotlight:

Luz Castello Vice President of Operations

NorthStar Credit Union

Focused on your future...

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Page 5

Luz Castello Vice President of Operations

Meet Lucy, our VP of Operations. Lucy has dedicated her career to the financial services industry, and she has been with NorthStar since 1998. She ensures all of the day-to-day operations of the credit union run smoothly. Lucy also makes certain we are on top of all compliance and regulatory requirements as well as our HR responsibilities. In her spare time, Lucy enjoys spending time with family and being creative.

TruStage™  Auto  Insurance  Program  is  made  available  through  TruStage  Insurance  Agency,  LLC  and  issued  by  leading  insurance  companies. To  the extent permitted by  law, applicants are  individually underwritten; not all applicants may qualify. Discounts are not  available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained  on  all  drivers  listed  on  your  policy  where  state  laws  and  regulations  allow.  Please  consult  your  policy  for  specific  coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit  union.  *Discounts are available where state laws and regulations allow, and may vary by state. **Figure reflects average national savings for customers who switched to Liberty Mutual’s group auto and home program. Based on data collected between 1/1/2012 and 6/30/2012. Individual premiums and savings will vary. 

“I want to thank NorthStar for helping me with a loan through these hard times!”

~ Ricky J ~

“Above and beyond wonderful! I truly felt supported in what

could have been an un-nerving process.” ~ Julia S ~

OUR LOAN PRODUCTS

Vehicle Loans New/Used Autos, Boats,

RVs and Motorcycles 100% Financing is available

on all auto loans.

Home Equity Lines of Credit

Fixed Rate Home

Equity Loans

Lifestyle Lines of Credit

Personal Unsecured Loans

Please contact any one of our Financial Service Reps for assistance with your loan: 630.393.7201 ext. 213

VISA Credit Cards

VISA Gold, Platinum, Business and Student cards available. Travel and Reward benefits: call 800.558.3424 for rates.

Small Business Loans

Programs tailored to the needs of your business.

Contact Bernie Niewoehner at 630.393.7201 ext. 151

for more information.

How much money do you think educated car buyers can save over uneducated buyers when buying the same car? Would $5,000 get your attention? While you may not save as much as $5,000, you'll save a bunch if you avoid these classic car-buying errors.  

* Showing enthusiasm.  If you act excited, the sellers know they have a unique product you want. The price goes up instantly. Keep that enthusiasm in check until you've driven home. Sneer a little if you like the car.  

* Buying in a hurry. If you buy on your first visit to a dealership, you don't have time to compare. Take your time. Be willing to walk away. The price at most dealerships falls quickly if you move slowly.  

* Giving deposits before the dealer approves your offer on a vehicle.  Feel free to give a deposit, if you really want a vehicle - but don't give it until the boss has said "yes" on your offer.  

* Being switched to leasing without doing your homework.  Because dealerships make a much larger profit if they lease rather than sell, even the best dealership may try to "switch" you. They'll try to convince you leasing is cheaper than buying. In most instances, it isn't. If you want to lease, fine. Just don't do it on the spur of the moment.  

* Trading in your old car without knowing its value in advance.  A dealership has the right to give you the least you will take for your old car. But you have a right to get the most your car is worth. To know that value, simply clean it up, and try to sell it to several used car departments. The highest amount you're offered for it is your car's real value right now. Don't accept less than that in trade.  

* Financing automatically at the dealership.  The dealership may be the cheapest place to finance, but not always. To find out, simply bring a copy of the completed dealer contract to NorthStar and compare contracts. If the dealership won't give you a copy, perhaps they are telling you they're not really the cheapest.  

Big mistakes, big bucks out the window. We like to help you preserve your money — that's what credit unions are all about. Avoid these mistakes, and put that money to work rather than throwing it away. Call us today at (630) 393-7201 option 3 and we wil l walk you through all of your choices!

Car Buyers’ Worst Mistakes  

Truth in Travel! We’re your travel advocates.  Unlike other  travel  services, we don't make money on what  you  spend.  Instead, we use all of the resources available,  including the  Internet and “inside" travel industry connections, to deliver more value for your travel and vacation dollar. Our goal  is your complete  satisfaction. We provide the lowest guaranteed pricing* with the highest concierge service quality available anywhere. Rely on us to cut trip costs without cutting corners. Whether you're  living  it up on a Caribbean cruise, finding dollar‐friendly destinations nearby or relaxing at the beach, Benefits Plus® will make your travel dreams cherished memories.    

See our Good as Gold Double the Difference Low Price Guarantee! 

Not a Premier Member yet? Try Benefits Plus FREE for 90 days! 

“Thank you very much, you helped us when our bank would not and we have been with them

since 1984!” ~ Michael N ~

(only $5.95 per month for all other members) 

We are offering a new service to our members and it’s FREE to Premier Members!  

*Certain restrictions may apply on specific travel services. Subject to availability. Please be advised third-party Internet travel searches are subject to the specific terms and conditions of the provider; additional taxes and fees may not be displayed. Our professional agents are skilled in finding you the lowest guaranteed rates and can make suggestions that can result in tremendous savings. We cannot guarantee the lowest rates until you speak with a Service Specialist at (866) 329-7587! See our Good as Gold Double the Difference Low Price Guarantee for details.

Bridgeport Branch 555 W. 31ST STREET CHICAGO, IL 60616 (312)225‐1258 

(312)225‐4850 FAX  

Lobby Hours: TUE, WED, THR, FRI  

8:30 AM‐4 PM  

SATURDAY 8:30 AM‐1 PM 

 

  

VISIT OUR WEBSITE: WWW.NSCU.ORG 

 ‘LIKE’ US ON FACEBOOK TODAY:  

WWW.FACEBOOK.COM/NSCU.ORG 

BP Naperville Complex Employee Branch 

150 WARRENVILLE ROAD NAPERVILLE, IL 60563 

(630) 420‐5505 (630) 420‐4847 FAX 

  

Lobby Hours: MON–FRI  

10 AM‐2 PM  

  

Audio Response Teller:  (630) 393‐7201 ext. 222 

 

Outside Chicagoland:  (800) 983‐6828 Audio 

 

Response Teller:  (888) 983‐2424 

Main Branch 3 S. 555 WINFIELD ROAD WARRENVILLE, IL 60555 

(630) 393‐7201 (630) 393‐7353 FAX 

 Lobby Hours: 

MON, TUE, WED, THR 8:30 AM‐5 PM 

 

FRIDAY • 8:30 AM‐5:30 PM  

SATURDAY • 8:30 AM‐12:30 PM 

 Drive‐up Hours: 

MON, TUE, WED, THR  8 AM‐5:30 PM 

 

FRIDAY • 8 AM‐6 PM  

SATURDAY • 8:30 AM‐1 PM 

Firework Streak

Tuesday, May 28, 2013 , a dark and stormy night, The NSCU Kindness Crew put on their gloves and hairnets and  set out  to make  a difference. This  time,  they weren't  giving out  gift  cards, cash  or  free  lunch.  Instead,  they  gave  their  time  to  help  feed  children  in  need.  The  NSCU  Kindness  Crew  volunteered  at  Feed  My  Starving  Children  in  Aurora,  IL.  While  the  lights  flickered  and  the  thunder  outside  clamored,  together  with  the  other  volunteers,  they  packaged  68  boxes  containing  14,  040 meals  ­  enough  to  feed  38  children  for  a  year! They  also  provided  a  monetary  donation  providing  an  additional  10  boxes,  or  3,600  meals.  For more information on Feed My Starving Children visit www.fmsc.org.