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The New-Granite-Top-Kitchen-Counter Line of Credit
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With our lowest interest rates ever, a Line of Credit with FSCU 
means you can not only borrow for all the things you NEED to do, 
but also for all of the things you WANT to do; home renovations, 
car repairs or a much-needed vacation.  Take advantage of 
immediate access to a loan with reduced interest costs and more 
flexibility. Borrow only what you need exactly when you need it 
(while only paying interest on the outstanding amount as you pay
it back.)*
[http://firecreditunion.ca/personal-banking#lines-of-credit] 
*some restrictions apply

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Protecting Your Monday With Chip Cards
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Although debit card fraud is rare (occurring in less than one 
percent of transactions), it is still a reality that you need to 
be protected against. Among the most secure forms of electronic 
payments, debit cards are being made even safer with the 
introduction of chip technology. The chip works like a computer on
your card increasing your protection against fraud. In an effort 
to ensure maximum protection for our members, Fire Services Credit
Union has begun issuing chip cards to all members, as all magnetic
strip cards will expire on December 31, 2012. Visit your FSCU 
branch, email us at  [memberservices@firecreditunion.ca] or call 
416.440.1294 to get more information and begin using your new chip 
card today.

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The Convenience of Mobility
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We know having your finances in order is a priority. Making time 
for banking on your busy schedule can make that difficult. That's
why we've made banking on the go more convenient. In July we 
introduced Mobile Banking, giving you access to your account from
any smartphone. Email and Mobile Alerts mean staying on top of 
your account activity no matter where you are. E-transfers  allow 
you to get your money where it needs to be quickly and securely. 
E-statements ensure that you get your account information on time 
without relying on the post office. We know you have a lot to do, 
and that's why we're making banking a whole lot simpler.
[http://firecreditunion.ca/personal-banking/#online-banking-]

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Loan Fraud, Borrowers Beware
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Companies that promise loans to those with bad credit or no 
credit can seem very attractive, but beware. The RCMP is warning 
Canadians about advance fee fraud. This is when a company 
guarantees you a loan regardless of your credit history, but 
requires you to pay an up-front fee. Every year criminals 
generate millions of dollars by collecting these fees and then 
disappearing, leaving their victims without a loan and without 
their advance fee, which is often hundreds of dollars.

Classified ads and appealing offers do not confirm the legitimacy
of a company. Before giving a company your personal information 
or any up-front payment you should contact the Better Business 
Bureau for more information.

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We've Reached a New Low (and we're talking interest rates)
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Securing your mortgage at our now even lower low interest rates, 
as low as 2.99%**, means less interest paid, and more money saved
(or spent on the things you really love). Whether it's a new 
mortgage, or time to renew, Fire Services Credit Union can offer 
you competitive rates without all the hidden fees.
 [http://www.firecreditunion.ca/home/rates#lending-rates]
**restrictions apply and rates subject to change

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Banking to Go
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Download Skype and connect with a Fire Services Credit Union
Coach that can help you with bills, investments, budgets, ATMs
and much more. Check out our  Banking To Go Pilot
[http://firecreditunion.ca/personal-banking#banking-to-go].

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Earn $50 for every referral
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Many of you already refer friends, colleagues and family members
to Fire Services Credit Union.  Now you can get rewarded for
doing so: Up to $50 for everyone you refer who becomes a member.
It's easy, there are very few rules that you can read online,
and it's simply our way to say thanks for being members and
friends too.
[http://firecreditunion.ca/community-news#membership-perks]

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The Bucket Coach
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Everything you need to know about getting your household finances
in shape is in The Bucket Coach, a book of financial advice
created specifically for Fire Fighters and their families. If
you don't have your  FREE copy of The Bucket Coach, contact your 
branch today and we'll get it to you.
[http://firecreditunion.ca/coaching/#the-bucket-coach-outline]

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Contact us today - and we'll start working on your financial 
well-being together ASAP.

Call: 416-440-1294 or 1-866-833-3285
http://firecreditunion.ca
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Fire Services Credit Union | 1997 Avenue Road | Toronto, Ontario
M5M 4A3, Canada

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