($50,000+)
0.70%
0.70%
(1-Year, $5,000)
0.85%
0.85%
APRs as low as
2.99%
3.29%
3.51%
SAVE MONEY ON YOUR HOLIDAY BILLS WITH AN AFFORDABLE CONSOLIDATION LOAN OR A FREE VISA BALANCE TRANSFER
Don't pay more than you have to when you pay off your holiday bills. FocalPoint is offering rates as low at 8.90% APR*. Borrow between $500 and $10,000 or take advantage of a free balance transfer instead of paying a high-interest rate on your credit card balance. FocalPoint has great Visa card rates. Contact us for more details or to speak with a loan officer. *All applications subject to credit approval. The Annual Percentage Rate (APR) will be determined by the applicants credit worthiness. Income verification is required for all consumer loans. The loan amount will be for the exact amount necessary to pay the debts (maximum of $10,000). Funds will be distributed directly to the creditors for payment in full and the accounts will be closed. The promotion runs January 3, 2012 to February 17, 2012. Subject to change without notice. FEE'D UP WITH YOUR BANK? MAKE THE SWITCH TO FOCALPOINT
Every day, banks seem to find new ways to charge fees. They've even tried charging fees for using your ATM/Debit Card or talking to a teller. At FocalPoint, you'll find all the services and conveniences of a bank and far fewer fees. We'd be happy to help you make the switch to FocalPoint and we're confident that you'll be happy that you made the change. Contact us to learn more.
GET REWARDED WITH OUR MEMBER REFERRAL PROGRAM
Member always tell us FocalPoint is a great place to bank. So tell your eligible family members, coworkers and friends about us. When they join, we'll reward both of you. $25 or more for you. You'll get $25 when your referral opens a qualifying checking account -- and you can earn even more by adding services like Direct Deposit or getting a FocalPoint Visa Credit Card. Up to $50 for them. New members will receive $40 for opening an ePoint Checking account with the convenience of E-Statements, Direct Deposit and Online Bill Pay. They'll get another $10 for a FocalPoint Visa Credit Card. Of course, they can choose other checking accounts and services and still earn cash rewards. Certain restrictions apply -- ask for details at your branch. WITH YOUR COMPUTER AND YOUR PHONE, YOUR BRANCH IS WHEREVER YOU ARE
We know with your busy schedule, it's not always easy to get to the branch to take care of your banking needs. Well, now you can handle your banking wherever you are: Online Bill Pay. No stamps to buy, no last minute runs to the post office. Just a few clicks of your mouse and you're done. E-Statements. Save time, save trees. Get email alerts when your statements are available and view them online. Fasttrak Teller. 24/7 account access is just a phone call away! Check balances, transfer funds and so much more. Direct Deposit. No more standing in line on payday -- your paycheck is automatically deposited in the FocalPoint accounts you choose.
Never bounce a check again! Because of recent government regulations, if you want to avoid bouncing checks on your checking account, you need to opt in at your FocalPoint branch. Even if you signed up for Courtesy Pay before, you'll need to opt in again. This optional service can help you avoid the hassles, embarrassment and possible fees caused by returned checks. For more information, visit your FocalPoint branch or Click here to download the opt-in form.
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