B o u l e v a r d F C U B u l l e t i n

September 2020

2787 Niagara Falls Blvd., Amherst, NY 14228 ● Phone: 716-691-6727 ● Fax: 716-691-6860 ● visit us at: blvdfcu.com

Holiday Closings

Labor Day…………….. 9/07/20

Columbus Day…………….. 10/12/20

Boat, Trailer, RV, Watercraft & ATV

Social Distancing is more fun in...

Rates as low as

* APR is annual percentage rate. 4.50% APR represents New (Untitled) Recreational Vehicle with loan terms up to 36 months and is based on the qualifications of the applicant. Other rates and terms available based on whether recreational vehicle is New (Untitled) or used, term and qualifications of the applicant. All rates for our recreational vehicles is discounted by .50% for this special offer. This Special Rate applies to New Loans Only. Refinancing of existing Blvd FCU Loans is not permitted. Cannot be combined with any other offer. Other rates and terms available. Special Rate available thru 9/30/20.

Coronavirus update

The Boulevard Federal Credit Union has re-opened the main lobby. We greatly appreciate your patience in this trying time as we com-pleted the setup of the new lobby layout. The health and safety of our member and staff has always been our top priority.

For everyone’s protection we have made a few changes in the lobby in order to provide proper social distancing and cleanliness. We are limiting the number of members in the lobby to eight groups in order to allow for proper social distancing. The Boulevard Feder-al Credit Union’s staff is still taking a proactive approach to keep our office as clean and disinfected as possible. Business will con-tinue as usual with our added efforts to protect your safety.

We are asking that when entering the lobby, to temporarily lower your mask for camera identification.

Even with the lobby being open, for everyone’s safety, we are still strongly encouraging our members to take advantage of the many options you have when completing your financial transactions, including online banking, using our drive-thru service, our 24-hour ATM and Secure Night Deposit Box.

If you have not yet activated home banking, we are more than happy to assist you in the activation process.

Please feel free to contact us in you need any information or assis-tance.

We encourage you to stay well informed with the latest information from the Centers for Disease Control and Prevention at cdc.gov.

We appreciate your understanding and apologize for any inconven-ience. As your credit union, we care about your physical and finan-cial health and hope to keep you safe through our efforts. ♥

* APR is annual percentage rate. 4.25% APR represents loan terms up to 12 months and is based on the qualifications of the appli-cant. ** This Special Rate applies to New Loans Only. Refinancing of existing Blvd FCU Loans is not permitted. Cannot be combined with any other offer. Other rates and terms available. Special Rate available thru 9/30/20.

Borrow up to $ 10,000

College Tuition, Schooling Supplies, Dorm Furniture,

Debt Consolidation, Vacation, Home Repair, Landscaping, Sheds,

Hot Tubs, Swimming Pools, Decks, Patio’s & More!

Rates as low as 4.25%*APR

4.50%

* APR

We have Debit Cards & Reloadable Prepaid Debit Cards for your college-bound young adult!

To make money easily available for your young adult, bring them in to add a checking account to their account for debit card access! We also offer our free MobiMoney App that you can monitor and set limits on transactions on our MasterMoney debit card!

We also offer reloadable prepaid debit cards which are also an easy way for you to allow them convenient access to cash!

What is International Credit Union (ICU) Day?

ICU Day has been celebrated on the third Thursday of October since 1948 and is designed to create aware-ness and celebrate the ways credit unions improve the lives of their members around the world.

It is the one day a year the entire movement takes the time to tell their members and communities about credit unions and when people learn what a credit un-ion is and how it works—not-for-profit, lets them keep more of their money—they tend to like it.

2020 celebrates 72 years of ICU Day. This year’s theme is: “Inspiring Hope for a Global Com-munity.” It speaks to how credit unions around the globe have continued to provide a high level of service to their members. We are truly inspiring hope for a global credit union community. Due to that type of commitment to members and communities across the world, we have a global credit union movement that is now more than 274 million members strong. They are served by more than 85,000 credit unions in 118 coun-tries.

This would be a great day to bring in a friend to learn about the Credit Union Difference!

We will have a little something for everyone!

Thursday Oct. 15

* All loans subject to approval based on credit qualifications of the applicant. Not all loans will qualify. Offer valid only on loan rate matches at 1.99% APR** and higher from another financial institution.

and we will

Lower your rate up to .25% for the remainder of the term!*

Surcharge-Free

ATM Network

Near or Far…

As a matter of fact, with all of todays technologies you can actually

conduct all of your financial business no matter where you are!

We are

right around the corner with...

It’s easy to find an ATM!

Vis it a l lpo intnetwork.com or download

the Al lpoint app today!

Blvd FCU Preferred Line of Credit

Once your Preferred Line of Credit is approved and setup, you can give us a call and we will post a quick advance on your loan and transfer the funds right into your checking account.

How is that for convenience!

Contact us for more details.

Blvd FCU Mastercard

You can get cash on your MasterCard at any Finan-cial Institution or ATM that honors MasterCard. Contact us for more details. To obtain a PIN for cash advances, please contact us at 716-691-6727.

As a convenience, payments may be made at this office in person or a phoned transfer from your ac-count with us or from within your Blvd FCU Home Banking. Blvd FCU Mastercard payments may also be paid online at:

GoToMyCard.com Registering is quick, easy & free.

Keep Fast “Cash” resources on hand!

Apply online or by phone today!

Check out our Financial Education & Resources at blvdfcu.com

Financial Resource Center CUNA Anytime Adviser® Guides to Money

Some of the articles/podcasts/videos you will find:

Shape Up Your Credit Score How to Establish a Credit History Rejected for a Loan? Stage a Comeback

Show, Don't Tell: Teaching Teens Money Skills Life Change To-Do Lists Payday Loans Can Be Eternal

Prepare Financially If Facing Job Loss

There’s no denying these are stressful times. In addition to worrying about contracting COVID-19, many people are losing sleep worrying about the eco-nomic uncertainty we are going through. Millions have lost their jobs, and many aren’t sure if their job is safe. If you are worried you may lose yours, take a deep breath. Don't obsess about all the things that you cannot change or influence—focus instead on the things you can change.

If you have a job, prepare for what might happen. When you're prepared, you'll feel a lot better and in control of some things in your life. Preparation is the backbone of money management. The potential for a layoff is a wakeup call for anyone who has not been paying attention to the basics.

Break It Down If you haven't already, turn your energy to these tasks:

If you have unsecured debt—credit card bills—pay it off so you can stop paying high interest fees.

Stop using credit cards unless you must, or unless you already pay the balance in full every month.

Pay all bills a little early so you don't end up paying penalties, pay late fees, and have your interest rate increased.

If you usually receive a tax refund, go to your payroll department and resubmit a withholding form so that you get more money in each paycheck. Put the extra cash into paying off bills and building your emergency fund.

Speaking of your emergency fund, build it up so you have enough to cov-er at least three months' expenses. Ideally, try to save enough to cover six months of expenses to give yourself a solid safety net.

Use direct deposit for your paycheck and then set up automatic transfers so money is automatically moved from your checking into your savings ac-count. This makes saving so much easier.

Automate anything you can by using online or mobile bill pay and remind-ers. This will help you make consistent progress on financial goals, and help you avoid late fees.

Refinance your mortgage or car loans to take advantage of lower rates, if you qualify. Talk to a credit union loan processor about options to reduce your debt load or retire debts faster.

The more of these habits you develop, the more you'll ease your anxiety about a potential job loss. Even if you keep your job, you'll never be sorry you traded your bad old habits for productive new ones.

Your checking account.. Add additional overdraft protection with a...

Did you know that we offer 3 different types of OVERDRAFT PROTECTION?

For more details or to apply for our overdraft

line of credit, please contact us! * APR is Annual Percentage Rate