Lock In Your Best Rate
Share Secured Loans Offer Valuable Savings
Melrose Credit Union has an affordable alternative to high interest rate loans at other financial institutions.
Our Share Secured Loans are simply Personal Loans that are secured against your Share Savings or Certificate Account. When you apply for a Share Secured Loan, you’ll get an even better rate, since your loan is backed by a savings account as collateral. Plus, you’ll receive faster approval!
At Melrose, our goal is always to save you money. When you need extra cash, a Share Secured Loan can be your best option. Ask us for all the details.
Your Loan Can Be Used For:
Higher Education Costs
Visit www.melrosecu.org to apply online, or stop by the credit union at your convenience. You can also call (718) 658-9800 to learn more.
See How Much You Can Save
Look To Melrose Credit Union For An EZMortgage
Good news, house hunters – the buyers’ market is still going strong! With housing prices low and Mortgage rates on the lowest end of the scale, there has never been a better time to upgrade to a bigger home, downsize to a smaller residence or to refinance your current Mortgage. You could save thousands on your home loan!
Look To Melrose Credit Union For An EZMortgage
At Melrose Credit Union, you’ll love our competitive mortgage rates, low closing costs and flexible mortgage options. We also offer:
Fixed-Rate Mortgage Programs
A Variety Of Adjustable-Rate Mortgage Options
Affordable Loan Terms
And Expert Guidance From Our Professional Real Estate Lending Team
It’s easy! You can apply for a Melrose Credit Union mortgage today by calling our Real Estate Department at (718) 658-9800, option 3 and asking for an application. Or, apply online at www.melrosecu.org and click on the mortgage link to reach our EZMortgage Center. We’re happy to answer all of your
Already A Homeowner?
Make home renovations and changes with our low interest rate Home Equity Line of Credit!
Here are just a few home remodeling ideas you may want to get started on with help from Melrose:
Adding A Bathroom
Upgrading The Kitchen
Repainting The Interior
Updating The Exterior Siding, Brick Or Other Material
Finishing The Basement
Purchasing New Appliances
Don’t Forget: Refinancing Also Available
You can use your Home Equity Line of Credit to refinance a higher interest rate loan from another financial institution. Choosing Melrose for your loan is the “E-Z” way to save!
Making Melrose CU A Better Place
We invite all members to send us your service experiences at Melrose Credit Union.
Just a brief note to, once again, commend your Member Service Representative Ms. Debbie Flamos for her consistent efficiency, attentiveness and professionalism.
It’s rare that I need to avail myself of the Member Services team, but when I have had to do so, Ms. Flamos has invariably imparted to me a sense that Melrose members and their business is indeed a priority to her.
I certainly hope Melrose recognizes what a skilled, and indeed valuable, asset that it has in the form of Ms. Flamos. If only we could figure out a way to clone her! Joking aside, please do extend my sincerest appreciation to Ms. Flamos for the unparalleled and excellent service she consistently provides.
Thank you for your time.
Please note that letters may be edited or summarized.
Holiday Closings & Important Dates
Saturday, October 6, 2012
Monday, October 8, 2012
Monday, November 12, 2012
Thursday, November 22, 2012
Saturday, December 22, 2012
Monday, December 24, 2012 - Close at 2 p.m.
Tuesday, December 25, 2012
New Year’s Day
Saturday, December 29, 2012
Tuesday, January 1, 2013
Martin Luther King Jr. Day
Monday, January 21, 2013
Join The Melrose/MBS Team And Help Create A World With No Breast Cancer And
Once again, Melrose Credit Union has committed to a Flagship Sponsorship of the American Cancer Society’s Making Strides Against Breast Cancer. As anyone who has participated in the past can tell you, this is a powerful and inspiring event that honors those who have battled breast cancer, spreads the word about what we can do to prevent breast cancer, and raises money to find cures and support programs and services for those facing the disease.
Making Strides Against Breast Cancer will take place on Sunday, October 21, 2012 at Flushing Meadows Corona Park. Why should you walk? Well, for one thing, there are 2.5 million breast cancer survivors who celebrated another birthday last year because people like you signed up to walk or donate to
We’ll be selling Melrose/MBS tote bags, Making Strides bracelets, building a Wall of Hope in the Credit Union’s lobby with the names of all our supporters and raising money with our very first Melrose/MBS Bake Sale. Any other ideas of how we can save lives and create more birthdays are welcome!
To join our team or to make a donation, please click here. Through the Making Strides website you will be able to send emails to friends and family asking them to join you on October 21, or to support you by making a donation. It’s easy to do. Just ask if you need help.
Storms Are The New Norm Be Sure Your Assests Are Protected!
According to CNN, the National Oceanic and Atmospheric Administration (NOAA) has revised its predictions for this year’s Atlantic hurricane season.
The agency now predicts between 12 and 17 named storms from the period that started on June 1 and will end on November 30. NOAA’s original May prediction was between nine and 15 named storms. -CNN
As the lead hurricane season forecaster at the NOAA’s Climate Prediction Center has noted, the likelihood of an above-normal hurricane season has risen 35%. There is now a 50/50 chance of a “near-normal” season, according to this forecaster, whose name is Gerry Bell.
The NOAA estimates that anywhere from five to eight of these named storms will in fact turn into hurricanes, with two or three of those that do become hurricanes advancing into “major” storms. A major storm is one that reaches a Category 3 storm or greater. Category 3 storms are those with winds of at least 111 mph.
"People should be ready now," Furgione admitted.
“We are increasing the likelihood of an above-normal season because storm-conducive wind patterns and warmerthan- normal sea surface temperatures are now in place in the Atlantic,” said Bell. “These conditions are linked to the ongoing high activity era for Atlantic hurricanes that began in 1995. Also, strong early-season activity is generally indicative of a more active season.”
The 2012 Hurricane Season Is In Full Swing!
So far, the 2012 hurricane season has thirteen named storms: Alberto, Beryl, Chris, Debbie, Ernesto, Florence, Gordon, Helene, Isaac, Joyce, Kirk, Leslie and Michael. Of these 13 storms, Chris, Ernesto, Issac and Michael became hurricanes.
For the first time since 1908, three named storms formed before the start of hurricane season on June 1. While according to Bell, additional weather factors indicate that this will not be an above-average storm season, Laura Furgione, acting director of NOAA’s National Weather Service, has said that it is best to be prepared for the worst.
Hurricane season is here – do you have the insurance you need to protect your home and your family? The MBS Financial Planning Seminar Series can help you answer all your insurance questions and help you be sure your home is protected to the fullest in the event of an emergency.
The MBS Financial Planning Seminar Series can also provide you with a better understanding of the Do’s and Don’ts of estate planning; what makes sense and what doesn’t. Learn from experts in financial planning, insurance and estate law what your best course of action is in order to make sure your financial interests are best protected.
Free Seminar, Free Gifts And Free Refreshments
Find out how to protect your hard-earned assets. Attending these seminars is one of the most important steps you can take to safeguard your life savings and your valuable investments.
Seating Is Limited, Call Today!
Call Member Brokerage Service LLC, the Melrose Credit Union service organization, to make your reservations. Simply dial (718) 523-1300 and press 0 for the receptionist. But don’t delay – seating is limited!
Missing Some Money?
How To Claim Your Property
If your name appears on the list below, you have unclaimed property at Melrose Credit Union. Please contact us as soon as possible.
Owners of unclaimed property are required to activate their accounts by sending us a written acknowledgement or by making a deposit or withdrawal. If you have questions or need additional information, please contact Melrose Credit Union at (718) 658-9800.
Money or property is typically listed as “abandoned” when the rightful owner moves and forgets to close an account or leaves no forwarding address. If there is no activity on the account for three years or longer, the money is considered unclaimed and is turned over to the state.
Castillo Jose Noe
De Basantes Alexandra
Dorvilus Jean Jackson
Erickson Jollyn Dee
Gazaferi Abip Bejet
Illfelder Herbert Max
John N. Joseph
Le Pino Mark
Leslie D Freirich Family Trust
Morris Trastman Living Trust
Muriel N Strauss Living Trust
Park Ki Hyun
Rasoul Abdul Walid
Revenue Cab Corp
Sheldon Strauss Living Trust
Singh Sardar Harinder
St Felix Yves
St Felix Michel
The Friedman Living Trust
Valley Stream Stores LLC
Wazeri Abdul Habib
Yauri Marcos Jose
Zhou En Bo
Life Can Be Hectic –
Managing Your Money Shouldn't Be!
Give Our Convenience Services A Try
As a member of Melrose Credit Union, you can access your money from anywhere in the world! EZMoneyOnline is our secure virtual branch, open 24/7 and available to you anywhere – on vacation, at home, in the office or anywhere at all. Log on to EZMoneyOnline at www.melrosecu.org from your computer or smartphone and check balances, transfer funds and more.
Even greater convenience starts with our E-Z Checking Account. Why should you choose Melrose Checking? There are many reasons!
No High Checking Fees Or Service Charges
Easy Access Online Or Via InfoLine Service
Earn Dividends On Average Daily Balances Of $500 Or More
Convenient ATM Or Debit Card Access
Learn More At www.melrosecu.org
Additional Convenience Services
Once you have E-Z Checking, you can enjoy the following: InfoLine – Perform transactions from the comfort of your home, car or office. All transactions are verified and confirmed instantly, so your balances will always be current. Once you activate your free InfoLine account, service begins immediately.
(718) 526-3888 in New York & (888) 635-2733 outside New York
ATM Card – Withdraw money, verify balances and make account transfers.
VISA® Debit Card – You’ll enjoy the cash-back convenience of an ATM Card, with the purchasing power and worldwide access of a VISA card.
E-Z Bill Pay – Set up a convenient payment schedule, then relax knowing your bills are paid on time, every time.
Direct Deposit – This is the easiest, fastest and safest way to deposit your pay, Social Security or pension check into your Share Draft/ Checking Account or Share Savings Account.
Start Saving Time Today!
Call (718) 658-9800, visit www.melrosecu.org or stop by and visit the Melrose Financial Center to get started.
Away From Home?
Try Shared Branching!
You can access your Melrose Credit Union accounts even when you aren’t near a Melrose branch by visiting one of the free Shared Branches.
At any Shared Branch, you can perform all of the following activities at no charge:
Make Loan Payments
Plus, there are over 5,500 Shared Branch ATMs at 7-Elevens nationwide! Please note: all services may not be available at all ATMs in the network, but Shared Branch locations will be able to perform all the services listed above.
Give It A Try
To find a Shared Branch in your area, use the ATM/Shared Branch locator on our home page: www.melrosecu.org.
The Smart Solution For Your Student
A recent article in the New York Post found that in a class at the Borough of Manhattan Community College, a whopping 70% of those with credit cards had been late in paying a credit card bill and had incurred a late-fee charge.
Help your student manage money better by opening a Melrose Credit Union E-Z Checking Account for him or her. Melrose E-Z Checking offers:
SURCHARGE-FREE Access To Over 5,500 ATMs Through The Co-Op Network
FREE Access To Their Accounts Through The CU Service Center Network
FREE Online Money Management With EZMoneyOnline
FREE Account Transfers From Parents To Students (Ask For Details)
To open an account, stop by the credit union or visit www.melrosecu.org to