March 2025 eNewsletter
HELOC Promotion
Lean into your home's equity with a Home Equity Line of Credit! Whether it's for home renovations, debt consolidation, or planning a dream vacation, HELOCs are a great way to pay for life's projects.
For a limited me, we're offering a 4.99% APR* 12-month introductory rate when you open a HELOC at BlueOx Credit Union! Don't miss out on this amazing opportunity to tap into the potential of your home's equity. Click the link below to learn more!
Balance Transfer Promotion
For a limited time, members can enjoy a 12-month introductory rate of 0% APR** on all funds balance transferred to their BlueOx Credit Union VISA® Credit Card! By combining multiple debts into one payment, you can simplify your monthly budgeting, reduce the stress of juggling various due dates, and save money on interest.
Don't miss the opportunity to transfer your high-interest credit card balances and take control of your financial future! Click the link below to learn more.
McWarm Volunteering Event
BlueOx had an amazing experience volunteering for the Macomb County Warming and Rescue Mission through the Metro East Chapter of Credit Unions! McWarm is an incredible organization that provides food, showers, laundry, and shelter to those in need from November unl the end of March.
We're so grateful for the opportunity to make a difference in our community alongside our friends at OUR Credit Union and Christian Financial Credit Union.
4-Month CD Special
Earn 4.00% APY† on a 4-month Certificate of Deposit at BlueOx Credit Union! Whether you're saving for something special or simply looking to grow your money a bit faster, this is a great opportunity to get started.
5 Easy Ways to Spring-Clean Your Finances
Prepare your dust pans and sponges—spring cleaning season is officially here! For most people, that means tidying up their houses or getting started on yard work. However, this time of year is also the perfect opportunity to freshen up your finances.
Read our blog for 5 easy ways to spring-clean your finances this season!
*APR = Annual Percentage Rate. The promotional period begins March 1, 2025. The introductory rate applies to new Home Equity Lines of Credit (HELOC) only. The rate offered will depend on the applicant's creditworthiness. All rates are subject to applicable loan term limits, and certain restrictions may apply. The rates are subject to change without prior notice. The initial rate for the HELOC low introductory rate promotion is a fixed rate, not based on the index and margin used for subsequent rate adjustments. The Introductory Annual Percentage Rate (APR) of 4.99% APR fixed is for home equity line of credit accounts only and applies to balances on the first twelve monthly statement cycles after the loan open date, and which changes to a variable APR as low as 4.99% at the end of the introductory period. To receive this rate, the application must be submitted between March 1, 2025, and December 31, 2025, and the loan must close within 30 days of the application date. After the introductory period, the APR can vary and is based on the Prime Rate plus a margin of +0.50% to +2.50% based on credit range. The APR is subject to change on the 10th of each month, based on changes to Prime Rate, the highest Prime Rate published in the Wall Street Journal "Money Rates" table on the 20th of the prior month. Minimum APR 3.50%, maximum APR 18.00%. The maximum loan term available is a 5-year draw with a 10-year principal and interest repayment period. Max combined loan-to-value for HELOC is up to 80% for applicants with credit scores of 590+. HELOC qualifies for an introductory rate with a minimum credit line of $20,000 and a loan amount of $5,000 taken at closing. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay amortized principal and interest payments on the outstanding balance monthly. After the draw period, you may not withdraw any more funds from the line; you will continue to pay the amortized principal and interest monthly. Offer not applicable to the refinance of any division of Ignite Credit Union HELOCs. There are no loan processing or early closure fees and no prepayment penalty. The borrower is responsible for the cost of the appraisal, if required. Allegan Credit Union/Rivertown Credit Union/BlueOx Credit Union do not offer escrow services. The minimum payment required is interest only or $100, whichever is greater. Rates, terms, and conditions are subject to change without notice. For full promotional details, visit our website at BlueOXcu.org or call us at (800) 648- 8035.
**APR = Annual Percentage Rate. Promotional 0% APR balance transfer offer valid between 1/6/25 and 3/31/25. The 0% APR applies to balance transfers only and is valid for 12 months from the date of the first balance transfer. After the 12-month introductory period, the APR will revert to the standard variable APR for balance transfers, which ranges from 12.99% APR to as high as 17.50%, based on creditworthiness. No balance transfer fees apply. Rates are variable and based on the Prime Rate. Subject to credit approval. Terms and conditions apply. Visit BlueOXcu.org or contact us at (800) 648-8035 for full details.
†APY = Annual Percentage Yield. APY is accurate as of February 1, 2025. Fees may reduce earnings. To receive the promotional rate of 4.00% APY, the 4-month CD must be opened with a minimum of $500. Rates are subject to change without prior notification. Penalties will apply for withdrawal before the maturity date of the CD. Dividends are posted monthly. Limited time offer. Federally insured by the NCUA.
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