Making the switch to new Personal Online Banking.

Same easy access, great new services.

Beginning November 16, iQ Credit Union’s online banking system will go from the existing service we’ve offered for years to a dramatically new — and better — way of online banking. Along with a variety of easy-to-use enhanced features, you will also be able to transfer money between an iQ account and a non-iQ account, as well as deposit checks from home using an ordinary scanner. How’s that for convenient!

The switch will officially take place on Monday, November 16.

The first time you access your account on or after that date, you will visit the iQ Credit Union web site as usual. From the home page, click Personal Online Banking and a login screen will open.

First, it will ask you for your Username. Your Username is the same as it’s always been — the name that you selected.

Next, it will ask you for a password. The password required to activate your account is the last four digits of the Primary's Social Security number, followed by the last four digits of your phone number.

That’s all there is to it. Once inside the new-and-improved system, you will need to create a new password all your own to be used from this point forward. On-screen prompts will help you, as needed. Your account information is exactly the same — only the online format has changed, and changed for the better.

If you have any questions on logging into the new system, please refer to the letter you received from iQ Credit Union. You can also call the Member Service Center at (360) 695-3441 during normal business hours.

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READ WITH ME

At iQ Credit Union, we believe in helping our community – one child at a time. For the thirteenth year, iQ Credit Union is offering a reading program that gives books away to school children – free! This program is called Read With Me.

Teachers and administrators it’s time to apply! In a partnership with businesses in the community, book grants are distributed using an application process through schools. Thirty-eight schools received books from the Read With Me program for the 2008-2009 school year, representing over 3,743 children.

Below are applications for the 2009-2010 Read With Me program. Applications are also available at any branch location of iQ Credit Union. The deadline to return applications is Thursday, November 19, 2009. Book grants will be distributed starting in February 2010.

2009-2010 Application

For more information, please contact:

Jennifer Vera
Education Partnership Coordinator
jenv@iqcu.com
360) 759-3060

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Where to find your Intelligent Checking status.

Did you qualify for this month’s Intelligent Checking benefits? The answer is now online.

If you have our free Intelligent Checking account, you already know about the benefits — market-rate interest and a monthly refund on ATM fees, plus free online banking and electronic Bill Payer.

You also know that in order to qualify, you must sign up for eDelivery. Then each month, make at least 12 debit card transactions, have at least one ACH or payroll deposit of $100 or more and access online banking at least once.

In the past, we’ve sent you a monthly email, letting you know whether or not you met the monthly requirements that allow you to take advantage of our highest interest rate and maximum ATM fee rebate.

But instead of sending a generic email, we’ve come up with a smarter way to provide you with the information you need. From now on, to find out the status of your Intelligent Checking account, simply log on to your Online Banking account. Using the links on the left-hand side of the page, select “Other Options.” From that list, click “Intelligent Checking Info” at the bottom of the links.

An Intelligent Checking Info screen will give you complete details on your account, including the amount of any refundable ATM fees and whether or not you have met the monthly requirements. You can check the information 24/7, whenever you want. It’s that easy.

Don’t have Intelligent Checking yet? Sign up today — it’s free!

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Move a loan. Save a lot

Move an auto loan — rates as low as 3.25% APR*.

Refinance your auto loan with us and enjoy rates as low as 3.25% Annual Percentage Rate. Need a little extra driving money each month? Move an auto loan and save. Rate is determined by credit criteria and length of term enrollment in other Credit Union services.

Move your credit cards — with no balance transfer fee.

Transfer your credit card balances to an iQ VISA Platinum and enjoy maximum flexibility with minimum interest — plus cash back on every purchase. Need a little extra spending power each month? Move a credit card and save.

More a home equity loan — rates as low as 3.75% APR*.

Turn your high-interest home equity loan into an iQ Smart Equity account and enjoy rates as low as 3.75% APR.* Looking for a budget-friendly monthly payment? Move a home equity loan and save.

Make the move today. Call the Member Service Center at (360) 695-3441, stop by any branch to get started.

APR = Annual Percentage Rate. Offer valid on new or used vehicle purchases and auto loans from another financial institution. Rates as low as 3.25% APR, are subject to credit approval and must close before October 31, 2009. The following conditions apply - NEW & USED AUTOS 2005 & NEWER: The interest rates will be discounted if you have certain additional services with the credit union.Your rate will be .25% APR lower for each of the following services provided you meet the required conditions of that service. All conditions must be met prior to loan funding. 1) Automatic Loan Payment from iQ Credit Union Checking Account: The loan payment for the vehicle loan must be enrolled for an automated loan payment from your iQ Credit Union Checking Account. 2) eDelivery: You must be enrolled in eDelivery to receive periodic statements and notices regarding your Account. 3) Direct Deposit: Your wages must be directly deposited from your employer or retirement pay to your iQ Credit Union Account. Automated Clearing House (ACH) transfers from other financial institutions do not qualify. 4) Open or Maintain an Active iQ Credit Union Checking Account: To qualify three of the following must be true: a) Checking Account must have a balance. b) A minimum of 6 VISA Check Card transactions or checks have cleared your account in the last 30 days. c) Direct Deposit has been received by iQ Credit Union to your checking account within the last 30 days or verification has occurred with your employer that it will be received in the next 30 days. d) Checks for your account have been purchased at your sole expense. e) Enrollment and usage of Bill Payer: You must be an active user of Bill Payer. A minimum of 2 bills have been paid through Bill Payer in the last 30 days, or a minimum of 2 bills are scheduled to be paid through Bill Payer in the next 30 days. f) Enrollment in ID SafeChoice Plus, $8.95/month individual or $11.95/month family. 5) Active iQ Credit Union VISA Credit Account: In order to qualify, you must have had purchase or balance transfer transactions on your account in the last 30 days. No refinances of existing iQ Credit Union loans allowed. Available on 2005 – 2010 Model Years. Discounts are calculated at time of loan funding. Services added at a later date will not result in additional discounts. The maximum possible interest rate discount is 1.25% APR.

APR = Annual Percentage Rate. For all iQ Credit Union Smart Equity Loans: Offer subject to equity in home. If an appraisal is required, the cost will be paid for by the applicant(s). For loans up to $100,000, no other fees will be charged up front to obtain the loan provided an existing 1st mortgage is in force on the property. For loans in excess of $100,000 or if the requested loan places the Credit Union in first lien on the property, the applicant(s) agrees to pay fees for the cost of title insurance. Typical fees range from $0 to $900. Minimum APR is 3.75%. The Maximum APR is 15.00%. Pre-Payment penalty of $300 if loan is paid off and closed prior to 3 years of origination. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current index rate is 5.00%. We add a margin to the index to determine the actual interest rate.

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Get Away Today online brochure

In an effort to be more environmentally friendly, Get Away Today has discontinued their printed brochures that accompanied your statements. They have updated their website to showcase the best deals for your vacations. There are great deals to be had on Disneyland and Disneyworld vacations, right now! Be sure to visit them for your vacation dreams. Remember, with each trip you book through them a donation is made to the Children's Miracle network. Click here for details.

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Put your Debt in Focus

The average American owes more than $9,000 in credit card debt — on top of auto loans, student loans, personal loans and home mortgages. We’re a buy now, pay later society. And with credit levels at all-time highs, it’s easy to find yourself in over your head. The hard part is getting a handle on your debt ... and doing something about it.

That’s the idea behind Debt In Focus, a new free and anonymous service from iQ Credit Union. The entire process takes just a few minutes and is done entirely online. After answering a few questions about your income and current debts, a simple financial analysis will provide you with a wealth of information:

* debt to income ratios
* debt payment schedules
* customized strategies for moving your finances forward

The service is completely anonymous, designed solely to help put you in control of your finances. You will not be asked for your name, Social Security number, email address or any other identifiable information. And if you need to stop before completion, a randomly generated ID number lets you pick up where you left off or update any information.

To get your Debt In Focus, click here. What have you got to lose — except the black cloud of debt hanging over your head.

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