February 2023 eNews
* Annual Percentage Rate. With approved credit. Some restrictions may apply. Rates subject to change without notice. New money only. Contact the credit union for full details. Offer valid for a limited time only. Max loan amount is $20,000. Federally insured by the NCUA. Equal Housing Opportunity.
*Annual Percentage Yield (APY). New or existing money. $1,000 minimum investment. Penalty for early withdrawal. Limited time offer. Federally insured by the NCUA. Equal Housing Lender.  
Be sure to add the 74th Annual Meeting
of your credit union to your calendar.

This year's meeting will be a HYBRID meeting
which means you can join in person or virtually.

  •  In-Person | Congressional Conference Room–Bloomington, MN 
  •  Online | Registration will open in March at Torofcu.org 

Invite Your Family to Join

Your immediate family members are eligible to join & enjoy all the things you love about YOUR credit union!

  • Low-interest rates for loans
  • High-interest rates for savings
  • Time-saving electronic services
  • Outstanding member service
  • Member ownership and control

Immediate family members include spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, or sisters.
Personal Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you’ll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Business Credit Cards

Choose from our popular business credit card options, such as low rate, cash back, or flexible rewards, to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Holiday Savings Club Account

If you have never opened a Holiday Savings Club Account, now is a perfect time to open a NEW account!

Holiday Savings Example:
If you save $25 for the next 10 months, you will have $250.
If you save $50 for the next 10 months, you will have $500.
If you save $100 for the next 10 months, you will have $1,000.

Please contact the credit union to open a NEW Holiday Savings Club Account today!
Home Equity Loan: Borrow a lump sum amount with fixed rates and terms.

Home Equity Line of Credit: Allows you to draw funds as you need them and repay the money at a variable interest rate. Because of this, HELOCs are generally best for people who need funds for ongoing home improvement projects or who need more time to pay down existing debt.
Get Pre-Approved

Thanks to our auto shopping website, you can find your dream car and get pre-approved before going to the dealership.

Click the button below to get pre-approved or shop for your dream car.
Protect Your Family

Credit Life Insurance will pay off or reduce your remaining loan balance if you pass away during the period of a loan. 

Credit Disability Insurance helps make your loan payments in the event you become disabled or can’t work for medical reasons for at least 14 consecutive days. This insurance will continue to make your loan payments until you return to work.

Please contact the credit union for more information on Credit Life or Disability Insurance.
Get Your Finances Organized

Here are a few tips for getting your finances organized in 2023!

  • Whitelisting  - Whitelisting the credit union's email address helps you from missing any important information by classifying the email address as an approved sender, keeping emails from being forwarded to spam or junk. MemberServices@ToroFCU.org

  • Online Bill Pay - Save time each month paying bills and never have another late payment with Online Bill Pay.

  • TruStage Discount Insurance - We've partnered with TruStage to provide you with discounted insurance. Get a FREE, No-Obligation quote to see if you can save money on your insurance.
Mark Your Calendar

Tuesday, April 18th - Hybrid Annual Meeting

Monday, May 29th - Closed for Memorial Day
CONNECT WITH US!

Lobby Hours: Monday - Friday 8:30 am - 4 pm CST

Call Center Telephone Hours: Monday - Friday 7 am - 8:30 am CST & 4 pm - 7 pm CST
Saturday: 7 am - 4 pm CST
 
Website: www.ToroFCU.org
Lending Email: lending@torofcu.org

Federally insured by the NCUA.   Equal Housing Opportunity.