October 2023 Newsletter

Lifestyle Loans

Personal loans without hoops or hassles!

Borrow up to $30,000
Rates as low as 7.99% APR¹
Repayment terms up to 84 months
No closing costs
Fast funding
Apply at homebasecu.org/quick-app

Starting November 13, available year-round!²

Fast 500

How to Qualify:

Must be a member for at least one (1) year
Account(s) must be in good standing (account balance(s) not negative, no delinquent loans)
Must show proof of income for immediate past six (6) consecutive months³
Completed loan application and $30 non-refundable application fee must be submitted at the time of application
Application fee will be waived for active duty military and dependents
Members with existing Homebase Credit Union personal loans are NOT eligible
Primary account holders only may apply; joint account holders must open their own account
Limit one Fast $500 per member
Existing Fast $500 Loan or Loyalty $1,000 Loans must be paid in full prior to qualifying for this promotion
Members with late payments on previous Fast $500 Loan(s) or Loyalty $1,000 Loan(s) are NOT eligible

Terms:

Term of six (6) months at 18% APR³
Total of six (6) monthly payments: five (5) consecutive monthly payments of $100 and one (1) final month payment of $32
First payment due 30 days after funding

How to Apply:

Apply online starting November 13, 2023. Loans will be funded within 7 calendar days.

APPLY

Loyalty $1,000

Details:

All Fast $500 qualifications apply
Limit one Loyalty $1,000 per member
Must have had 3 previous Fast $500 loans with no late payments

Terms:

Term of twelve (12) months at 18% APR³
Eleven (11) consecutive monthly payments of $100 and one (1) final month payment of $32
First payment due 30 days after funding

How to Apply:

Apply online starting November 13, 2023. Loans will be funded within 7 calendar days

APPLY

Message from the CEO: Chester Branch Update

We’re getting closer! Construction is taking a little longer than planned due to inclement weather and additional storm drainage installation requirements by VDOT. We truly believe the result will be worth the wait! We’re excited to bring you a fantastic new Homebase experience from the team you know and trust. The new opening will be announced as soon as construction is completed. Stay tuned, and thank you for hanging in there with us.

Clint Summers, President & CEO

Party in the Park: Food, Fun & Face Painting

We loved visiting with our members and the community at Point of Rocks Park on August 11. More than 400 people came out to enjoy giveaways, games, food trucks, face painting, and more.

We’d like to extend special thanks to the food trucks who came out to serve us: Lil Sis Sweets & Treats, BBQ Bliss, Cocina Calle, and First Stop Donuts.

Service Dog Paired with Army Veteran

Two years ago, we chose Service Dogs of Virginia as a beneficiary of our charitable donations. Funds raised from our Annual Meeting and golf tournament have been donated to support service dog training.

Our first sponsored service dog, Cash, has now graduated his training program and been paired with his new handler. We are honored to be part of Cash’s story, and thrilled that he will be supporting an army veteran. We wish Cash the best in his new assignment!

Holiday Solutions

Skip-A-Payment⁴

Need to take a break from your loan payments to allow for those extra holiday expenses? For just $25, you may be able to skip your December payment. Contact a loan officer for details, qualifications and restrictions.

Homebase CU Platinum Rewards Visa^® Card⁵

A Homebase CU Platinum Rewards Visa Card features the same low rate for purchases, balance transfers and cash advances. Plus, for every purchase, you earn rewards points⁶ redeemable for gift cards, travel, electronics, and other gifts.

Learn More

Christmas Club Payouts

Christmas Club members have been saving all year, and now’s the time to reap the benefits! Club payouts will be deposited into your share account in early November. If you haven’t tried a Christmas Club Account, now is a great time to join! With convenient payroll deduction, it’s easy and automatic!

Learn More

Holiday Closings

Columbus Day: Monday, October 9
Veterans Day: Saturday, November 11
Thanksgiving: Thursday, November 23. Fort Gregg-Adams branch also closed November 24.
Christmas Day: Monday, December 25
New Years Day: Monday, January 1

1) 7.99% APR is applicable on a Lifestyle Loan for terms from 6-84 months. Terms up to 84 months available depending on amount borrowed. Advertised rate is current as of October 1, 2023, assumes excellent credit, and is subject to change. Credit qualifications apply. A loan example: $25,000 financed at 7.99% APR for 84 months gives a monthly payment of $391. This equates to $32,763 over the life of the loan. Membership required with a $25 minimum deposit and $1.00 membership fee.

2) No Credit Check Loan offer starts 11/13/23. Contact a Homebase CU Loan Officer for full details.

3) Proof of income may include most recent pay stub showing year-to-date income; social security award letter; legal agreements for alimony and/or child support (if the applicant wants such income considered); or for self-employment, most recent federal tax return. For questions on proof of income, please contact the Homebase CU Loan Department.

4) Interest will continue to accrue per terms of loan contract. Mortgages, credit cards, Fast $500 loans and Loyalty $1,000 loans not eligible.

5) Certain qualifications and credit criteria apply. Ask an associate for details. Membership eligibility required.

6) Earn rewards points for every dollar spent on purchases. Cash advances and transfers from other credit cards do not qualify for rewards points. Must register your account at uchooserewards.com to redeem points.