Holiday Helper Care Package

Need a bit of help with this year’s wish list? At BlueOx, we understand that each member’s situation is unique, so we have put together a Holiday Helper Care Package with many options for you to choose from to help ease the financial impact of the past year and the upcoming holiday season. Our team members are standing by and BlueOx is here to help. Check out our gifts to you below which are designed to give you more joy with less stress – you deserve it!

Go Mobile, Save Time and Get Entered to Win $1,000!1

Simply be a first-time user to enroll in eStatements, download and login to the BlueOx Mobile App, enroll and use Bill Pay and/or enroll and use Mobile Deposit. Receive one entry for each new convenient self-service option you utilize. 1

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Holiday Helper Loan2

The holidays just got a little sweeter! This personalized 6 to 24 month short-term loan with rates as low as 7.99% APR2 with limits up to $3,000, puts a little extra jingle in your pocket to give you some breathing room and add some seasonal cheer. The first payment isn’t due until 60 days from the application date. When applying online select the "Unsecured Loan" option.

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Meet or Beat Auto Loan Rate Offer3

We will meet or beat your Auto Loan rate or pay you $100 cash!3 Plus, no payments for 90 days. Lower your rate and save some money.

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Skip-a-Payment - Not the Memories!4

Skip-a-Payment on your BlueOx loan and focus on the magic of this holiday season! 4

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Early Direct Deposit – Get Paid Sooner!5

Start getting your paycheck before payday with Early Direct Deposit. When you see your electronic transaction pending within Online Banking or our Mobile App, simply click post now to request your paycheck early and receive your funds into your BlueOx account immediately.5You may also make this request with any BlueOx Advisor at (800) 648-8035.

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GreenPath Financial Wellness

BlueOx Credit Union cares about your financial health. Thats why we have partnered with GreenPath Financial Wellness to provide you with access to debt management services and free one-on-one financial counseling and financial education tools.

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1Offer valid for existing members only as of 12/1/2020 that have never enrolled in eStatements, never logged into the BlueOx Credit Union Mobile App, never enrolled in or used Bill Pay and never enrolled in or used Mobile Deposit. One entry received per member for each new convenient self-service option utilized as a first-time user between 12/1/2020 – 2/28/2021. One grand prize drawing of $1,000 held by 3/31/21. Winner will be randomly selected from among all eligible members in the contest. Actual odds of winning are based on the number of eligible entries received. Winner is solely responsible for all applicable federal, state and local taxes and any expenses associated with the prize. Offer subject to change without notice. Limited time offer. Employees, agents, representatives or affiliates of BlueOx Credit Union or any Sponsor and any immediate family members and household members of such individuals are not eligible to enter. The term “immediate family members” includes spouses, parents, siblings, grandparents, children, grandchildren and cohabiting significant others.

2APR=Annual Percentage Rate. Rate effective 12/1/20 and is subject to change without notice. Rates as low as 7.99% APR with terms from 6 to 24 months. Monthly payment on $2,000 loan at 7.99% APR for a 24-month term is $90.45. Interest will accrue during a 60-day deferment period. First payment must be made in the third month on the due date disclosed in the loan agreement. Subject to credit approval. Limited time offer.

3APR=Annual Percentage Rate. Current rate must be greater than 1.99% APR. Proof of current rate is required. Must open a BlueOx Credit Union Checking Account. BlueOx Credit Union will beat your current rate by at least .25% APR (down to our floor rate of 1.99% APR) or we will deposit $100 into your BlueOx Savings Account. Subject to credit approval. Other rates and terms available. Offer not valid on loans currently financed with BlueOx Credit Union.

4Must be a member in good standing with all loans current to participate in BlueOx Credit Union's Skip-A-Payment Program. This program is not available during the first six months of the loan term. Loans are limited to two (2) Skip-A-Payment's per calendar year up to six (6) per loan term. There is a $40 service fee per payment skipped. The following loan types are eligible for this program: Vehicle, Recreational and Personal. The following loan types are not eligible for this Program: Credit Card, Home Equity, Mortgage. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in the loan agreement, both during and after the deferral period. Deferral of scheduled payments and/or the application of fee to the outstanding loan balance will result in increased finance charges and possibly a greater number of payments. Additional payment(s) may be due beyond original pay off date. In all other respects, the provisions of original agreement remain in full force and effect. Scheduled payments will resume with the payment following the deferral and continue thereafter. Next monthly payment will include finance charges accrued from the skipped month. Monthly premium for Payment Protection will be added to the loan for the skipped month.

5$10 fee per ACH transaction. Not applicable for Social Security ACH deposits. No Checking Account required. Direct Deposit and earlier availability of funds are subject to the timing of payer’s funding. Requests per each Direct Deposit may be made within Online Banking or by contacting the Credit Union.

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