13623 Rockside RoadGarfield Heights, Ohio 44125

PRSRT STDU.S. Postage

PAID Cleveland, OH

Permit No. 3490

First Quarter 2020

Ohio Catholic NewsFour Tips To Help You Achieve Your Financial Goals in 2020Just like starting a new diet and swearing off carbs, making a household budget can be a New Year’s resolution that may seem hard to accomplish.

According to the Ohio Credit Union League, only two in five adults said they had a budget and kept close track of their spending throughout the year.

If it’s so important to track personal finances, then why do we have such a hard time doing it? The Journal of Consumer Psychology, talks about how humans can only restrict ourselves so long before they indulge. Just like starting a new diet, we tend to see budgeting as restrictive and therefore struggle with the motivation to stick with it.

As you ramp up your resolutions for 2020, here are some tips to help you exercise some good budgeting habits and overcome the craving to spend.

Start Small. It takes weeks to form a new habit and the same thing applies to tracking your income and expenses. In the beginning, keep it simple. If your spending plan is too complicated or restrictive, you will not stick to it. Mo-bile apps such as the Ohio Catholic FCU Online Banking App can cut a lot of the work out and help you track your spending habits.

Pay Yourself First. Put away a specific dollar amount each paycheck into a high-yield savings account. Make sure this is done before you pay bills. Using direct deposit or our Remote Deposit Capture can help streamline the pro-cess.

Consolidate Debt. Take a look at the interest rates on your credit cards and transfer balances to lower interest rate cards. This can help you save money and lower your monthly payment. Our standard rates start as low as 8.99% APR with an average rate of 10.99% APR, which is 38% below the industry average.

Increase Cash Surplus. Shop around for the lowest possible rates on utilities, insurance, TV, internet, and mobile plans. Check to see if these providers are offering any long term discounts.

Other small steps or changes can go a long way. Keep your daily expenses in check by packing lunches instead of eating out. Invest in a good coffee maker to help reduce the craving from splurging on fancy coffee. Take advantage free or low-cost entertainment options. A few examples are parks, beaches, hiking trails, and free library programs.

Learn more about how Ohio Catholic can you help you save more by calling (888) 696-4462 or stopping in to one of our regional branches!

2.00% APY6-MONTHS

IRA OFFER

Mark your calendars for Ohio Catholic FCU’s 66th Annual Meeting. Join us on March 26, 2020, at the Jesuit Retreat Center in Parma, Ohio. Mass will begin at 5 p.m. followed by dinner, fun, and fellowship at 6 p.m.

Seating is limited, please RSVP by calling (888) 696-4462 by Friday, March 13.

Giving Back to Our Communities During the Holiday Season

LocationsAkron

2720 S. Arlington Rd., Akron, OH 44312

Garfield Heights13623 Rockside Rd., Garfield Heights, OH 44125

Macedonia8600 Alexandria Dr., Macedonia, OH 44056

North Royalton5600 Wallings Rd., North Royalton, OH 44133

Member Service Center & Loan Zone(888) 696-4462

Lobby Hours for All Branches:Monday - Thursday: 9 a.m. - 5 p.m.

Friday: 9 a.m. - 6 p.m.Saturday: 9 a.m. - 1 p.m.

ATM LocationsAkron, Garfield Heights, and Macedonia

We Look Forward to Hearing From You!

For questions on any of our products, services, or promotions, feel free to call,

click, or stop in!

(888) 696-4462OhioCatholicFCU.com

Upcoming HolidaysMartin Luther King Jr. Day

Monday, Jan. 20, 2020Presidents Day

Monday, Feb. 17, 2020Good Friday

Friday, Apr. 10, 2020

We are thankful for our members’ giving hearts this Holiday Season.

Thanks to your generous support, our Baby Bottle Drive from October raised $1,175 for Womankind. For over 40 years, they have provided free care and support services to pregnant woman in need. Ohio Catholic FCU has part-nered with Womankind since 2013.

During November, Ohio Catholic FCU branches helped lead our annual Food Drive. Together, employees and members collected over 500 non-perishable items. Items were donated to three organizations in Bedford Heights, North Royalton, and Akron.

“Ohio Catholic’s members always come through for us,” aid Sister Regina from Light of Hearts Villa.

Ohio Catholic once again partnered with St. Monica Parish to provide a community meal on Thanksgiving. The meal brought many people from the community together and was a great way to celebrate the holiday. Thank you to everyone who volun-teered their time for this wonderful meal. This Christmas, each Branch Manager chose a parish to donate to for the benefit of their St. Vincent DePaul Society. The four parishes that were the recipients of these donations were Queen of Heaven Parish in Green, St. Barnabas Church in North-field, St. Monica Parish in Garfield Heights, and St. Joseph Church in Strongsville. Thank you for helping us give back to the communities we live, work and pray in.

Let Ohio Catholic Help You Save On Your Next Big PurchaseJanuary marks the start of a new year and the start of the trade show season. It is an exciting time to start thinking about different purchases you can make in 2020. Whether you are headed to the RV Show, the Boat Show, or the Motorcycle Show, stop by Ohio Catholic before or after to learn about our great financing options for the vehicle of your dreams. We want the best for our members and that means helping you accomplish goals and save money. Our members can get 1% off their approved rate plus make no payments for 90 days on any new or refinanced boat, motorcycle, RV, or other special vehicle loan.

Visting the Home and Garden Expo or the Cleveland Auto Show? Ohio Catholic has great financing options for home improvement projects or new cars. Stop by an Ohio Catholic FCU branch, call (888) 696- 4462, or visit OhioCatholicFCU.com to learn more about the many options you have.

Vehicle insurance is required. Loans and lines of credit currently financed through Ohio Catholic FCU cannot be refinanced with this offer. Subject to credit-worthiness and member eligibility. Offer valid January 1 – February 29, 2020. To receive promotional offer, automatic monthly payments (AFT) from an Ohio Catholic FCU checking account must be set up. Interest and credit insurance premiums accrue during the 90-day no pay period. First payment can be made within the first 90 days if borrower chooses. No other loan discounts may be used in conjunction with this offer. Ohio Catholic FCU is federally insured by NCUA.

*APY = Annual Percentage Yield. The rate is fixed for the term of the certificate. Dividends are paid quarterly. Dividends can be withdrawn or posted to anoth-er account on a quarterly basis without penalty. Penalties may be imposed for early withdrawal, regardless of the members’ age. Fees may reduce earnings. New money that is not currently on deposit at Ohio Catholic only. Ohio Catholic may discontinue or change this program at any time. Subject to membership eligibility. Other terms and conditions may apply. Offer available January 1 - 31, 2020.

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Save The Date Ohio Catholic FCU’s 66th Annual Meeting