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Home Buying 101
If you are paying rent, you should consider buying a house while the housing market and mortgage rates are low. See a Product Manager today and ask about the $500 closing costs savings.
Buying your first home can be stressful and intimidating, especially if you're unfamiliar with the process. That's why we've put together a 1-hour informational session especially for first-time buyers. By attending Home Buying 101, you'll learn:
- New construction vs. existing homes
- Tax advantages of owning a home
- Hidden costs of home ownership
- Negotiating techniques that really work
- Coming up with the down payment
- All about closing costs
- Mortgage financing options
Home Buying 101 will be held at our main branch beginning at 10:30 AM on Saturday, June 18th. Come join us for coffee, donuts, and lots of helpful tips to assist you in realizing your dream of home ownership.
To RSVP for this informative and fun event, please fill out this simple registration form or call Mary Beth Johnston, education coordinator, at 555-555-1212. Seating is limited, so don't wait. Register today!
Become a 5-Star Member and get discounts
You are eligible to reduce your loan rate up to .50% on any new auto, boat, motorcycle or camper loan.
Take .25 % off for each: 1) Currently use five or more of our products. 2) Get a pre-approval for a new loan. 3) Add a new service like Direct Deposit, VISA, Debit Card, CD or Money Market. This is a limited time offer so join the program NOW!!
About Us
St. Pius X FCU is a full-service financial institution
St. Pius X FCU is dedicated to providing you with the best financial service in the business. We offer a complete array of financial services to ensure that you can find everything you need at St. Pius X FCU.
We also understand how important it is for our member-owners to know the ins and outs of their finances. That’s why we offer the On Your Way program. You’ll find a wide variety of articles and movies on the On Your Way website to help you get a better understanding about financial matters.
As the US economy faces a recession, keep in mind that credit unions have always been strong and stable financial institutions. That’s why St. Pius X FCU is a great place for you to conduct your financial business.
As always, St. Pius X FCU is here to help, so if you have any questions or concerns, please feel free to call us or stop by the credit union. We’ll be happy to help!
Our Mission Statement
The St. Pius X Church Federal Credit Union is committed to:
Developing long term financial relationships
Providing professional personalized service
Incorporating Christian values
Field of Membership
You are eligible to join if you are a registered church member, student at St. Pius X School or an employee of the following:
• St. Pius X Church & School,Chili
• Aquinas Institute- students, employees, & alumni
• Priests and Pastoral Administrators of the Diocese of Rochester
• Sisters of St. Joseph
• Sisters of Mercy
• Parkminster Presbyterian Church,Chili
• St. Christopher’s Church, N. Chili
• New Hope Community, N. Chili
• United Methodist Church, N. Chili
• St. Vincent DePaul Church, Churchville
• Church of the Assumption, Fairport
• Holy Ghost Church, Gates
• Hope Hall, Gates
• St. Helen’s Church, Gates
• St. Jude the Apostle, Gates
• St. Theodore’s Church, Gates
• St. Charles Borromeo Church, Greece
• Parma Christian Fellowship Church, Hilton
• Emmanuel Church of the Deaf, Rochester
• Light of Christ, Rochester
(St. Andrew’s Church, Rochester
(Annunciation Church), Rochester
• St. Anthony’s Church, Rochester
(Holy Family Parish), Rochester
(Holy Apostles Church), Rochester
• St. Mary’s Church, Rochester
• St. Monica’s Church, Rochester
• St. John’s Church, Spencerport
• St. Mary’s of the Assumption, Scottsville
• St. Patrick’s Church, Victor
Immediate family members of current members are also welcome.
Just stop in to complete an application card. An initial minimum balance deposit of $5.00 is required. We will contribute $5.00 to every new baby account.
(earn
2500
On Your Way reward points)
Loan Rates
Check out auto loans, mortgages, VISA, and personal loans and apply today.
Rates are subject to change and are dependent upon credit rating
Rates effective September 23, 2010
VISA
No Annual Fee, No Transfer Fee
Earn Reward Points and cash in on www.scorecardrewards.com | Choose from: | Qualified by: | APR* | | VISA Gold | Great credit score, Minimum limit $2,500 | 8.90% | | VISA Classic | Student or internet card, Lower limits | 12.90% |
NEW or USED SECURED LOANS
Auto, Boat, Motorcycles, Campers, etc.| Description | Term | APR* | | Loan | up to 48 | 5.24% | | Loan | 49-63 | 5.74% | | Loan | 64-66 | 5.99% | | Loan | 67-72 | 6.24% | | Loans over $30K,very good credit | 73+ | 7.24% |
UNSECURED LOANS| Description | APR* | | Personal / Signature | 10.50% | | Line of Credit | 10.50% | | Consolidation | 10.50% |
MISCELLANEOUS LOANS| Desription | APR* | | 1 Year T-Bill Index(reference only) | .26% | | 3 Year T-Bill Index(reference only) | .83% | | 5 Year T-Bill Index (reference only) | 1.51% | | Shares Secured | 4.00% | | Stock Secured | 4.50% | | Money Market Secured | 5.00% |
HOME LOANS
Mortgages| Description | APR* | | 1 Year ARM | 5.25% | | 3 Year ARM | 5.25% | | 5 Year ARM | 5.25% |
HOME LOANS
Equity| Description | Required Equity | Maximum Term | | Tax Advantage | 0% | 12 Years | | Home Advantage | 10% | 15 Years | | Home Equity LOC | 20% | 15 Years | | Home Improvement | 10% | 12 Years | | Please call us for your best rate. | | |
* Rates based on past credit history and ability to pay
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