cashRewards Credit Card

Rates
Purchase & Balance Transfer Variable
APR Between
9.90% - 18.0%
Rates are based on creditworthiness and will vary with the market based on the Prime Rate.
Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%.
Repayment terms are 2% of outstanding balance or $20, whichever is greater.
Rewards
When you open a cashRewards account,* you'll earn 1.5% Cash Back on Purchases1

Details:

  • Rewards Expiration: Never
  • Rewards Limit: None
  • Start Redeeming: Anytime 
    once earned



Rates
Purchase & Balance Transfer Variable
APR Between
9.90% - 18.0%
Rates are based on creditworthiness and will vary with the market based on the Prime Rate.
Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%.
Repayment terms are 2% of outstanding balance or $20, whichever is greater.
Rewards
When you open a cashRewards account,* you'll earn 1.5% Cash Back on Purchases1

Details:

  • Rewards Expiration: Never
  • Rewards Limit: None
  • Start Redeeming: Anytime 
    once earned





Digital Wallets

With digital wallets, you can securely store your Navy Federal Credit Union debit or credit card
 details to make purchases at a store with your mobile device or online with your computer or
other device. Learn more about digital wallet technology.

Mobile

Make quick and secure in-store purchases with your credit or debit card on your smartphone,
tablet or smartwatch when you enroll your card in your device's wallet.
Apple Pay™
Apple Pay is the easy, secure and private way to make purchases with your iPhone®. You can also use it on
your phone or iPad® to make purchases in shopping apps such as those for Target® or Uber®.
LEARN MORE


Android Pay™
With Android Pay, Android™ users can pay with their phones at more than a million stores across
the U.S. Android Pay offers simplicity, security and choice when it comes to the purchases you make
every day.
LEARN MORE



Samsung Pay™
Samsung Pay is the mobile payment service that works almost anywhere you can swipe or tap your
card. From local grocery stores to corner coffee shops to taco trucks, it's highly secure and simple to
use with the latest Samsung Galaxy Devices.

Online

Store your credit or debit card details with an online digital wallet for additional security and to
avoid the hassle of entering your payment and shipping details each time you make a purchase
on your smartphone, tablet or computer.
MasterPass™
MasterPass, MasterCard's® digital wallet service, makes online shopping safe and easy
by storing your shipping and payment details in one place. Look for the MasterPass logo at checkout.
Visa® Checkout
Visa Checkout lets you store your payment and shipping details securely. As you shop online, you can
breeze through the checkout process anywhere you see the Visa Checkout logo.

Graduate Student Loan Variable Rate (1):  The ANNUAL PERCENTAGE RATE (APR) is the highest Prime Rate as stated in the Wall Street Journal (index) plus a margin of 5.00% to the value of the index. The rate on new and existing balances will change on the 1st day of each year to reflect any change in the index. 

We will use the index value available to us as of 10 days before the date of any APR adjustment. The maximum ANNUAL PERCENTAGE RATE will never be greater than the maximum rate allowed by state law in North Carolina which is currently 18.00%.  There is a minimum ANNUAL PERCENTAGE RATE of 5.00% (floor).  Any increase in APR will result in higher payments until what you owe has been repaid.  




The maximum credit limit will be based on school certification and actual cost of attendance and your documented ability to repay, less any other financial assistance and aid received up to a maximum limit of $170,000.00.  The minimum loan amount will be $5,000.00. The Credit Union reserves the right to adjust your Limit at any time based on its discretion. 
Draw period is the period during which you may request advances (subject to the limitations specified in advances) This period begins after the first advance is disbursed to the school and continues until:
(1) you graduate;
(2) you fail to maintain satisfactory progress according to the school’s standards ;

(3) you fail to ma
intain enrollment as at least a half-time student;

(4) you withdraw from the school, or

(5) you fail to sign a reaffirmation upon the credit union request. The Draw period may also be terminated if you fail to provide verification of information.  Termination of the Draw period places you into the Grace Period.


Advances: You may only use advances for educational expenses as outlined in the applicable program’s tuition fee schedule and all funds will be disbursed directly to your school.  During the Draw period the school must certify funds and provide proof of satisfactory progress and proof of enrollment as at least a half-time student status at intervals requested by the credit union. 


After the initial advance, finance charges (interest) will begin to accrue immediately, calculated by taking the unpaid balance for each day since your last payment (or advance if you have not yet made a payment) and multiplying that by the applicable daily periodic rate.  


Full Deferment: If you maintain the conditions set forth in the Draw period, you shall have the option of fully deferring principal and interest on the line of credit until graduation or the termination of the Draw period.  If you default on either condition or graduates, the Draw period ends and you will immediately enter the six month Grace period.Grace period:

No payment of principal or interest shall be due during the six

(6) month period immediately following the Draw period.  If you leave school and return prior to entering repayment, you will receive the

full six (6) month grace period when you leave school again as long as you have maintained the conditions set forth in the Draw period.  


Repayment of principal and interest will be deferred until after the Grace period.  Any unpaid accrued interest shall be capitalized at the end of the Grace Period.  The credit union will determine the payment amount that would be sufficient to repay the outstanding loan balance (including capitalized interest) and disclose this to you before the Repayment period begins. 

The minimum monthly payment amount will be $100.00.  You will be eligible for a rate reduction of 0.125% off your subsequent month’s payment if automated payments with a share account set up at Coastal Federal Credit Union are set up by the 25th of the previous month once repayment begins. 
Graduated Repayment: Students have the option of electing graduated repayment after the Grace period.

This option temporarily lowers monthly payments by amortizing the first two repayment years over a 40 year period and then over either 18 or 23 years for the remaining balance.  This request must come in writing and no later than one month after the Grace period ends.

Late Charge: If you are more than fifteen (15) days late in making any payment, a late charge of $10.00 will be deducted from your payment for each late payment.
Collection Costs: You agree to pay all costs of collecting the amount you owe under this agreement, including reasonable attorneys’ fees and court costs.

PLAY VIDEO


A classic car as special as yours deserves a special kind of insurance policy.
That's where Adrian Flux could help. With over 40 years experience in arranging insurance for every car imaginable – and some you probably couldn't imagine – we can tailor a classic car policy as unique as your vehicle.
We know that owners of classic cars are not like other motorists and the classic car insurance cover we arrange can take this into account.
  • We were the pioneers of limited mileage policies, giving classic car owners comprehensive insurance at a fraction of the previous cost

  • We also introduced Cherished policies that can lower premiums on cars as young as 5 years old

  • We offered kit car insurance when no-one else would

  • We can offer agreed value classic cover

  • We could offer laid up cover for your projects

  • Members of most classic car owners clubs and forums could also benefit from discounts of up to 15%. If you're not a member of a club yet, check out our list of classic car manufacturers and owners clubs, as the membership of a club often pays for itself
We can offer flexible and competitive classic car insurance quotes for most circumstances, sourcing the best available scheme from amongst the many offered by our panel of over 40 insurers. Why waste your time ringing round dozens of companies when we can do it for you? If you do ring round, come to us last – we will do our very best to beat the cheapest quote you get.*

What constitutes a classic car can sometimes be a matter for dispute, but you will find that we have a broader definition than most of our competitors, which includes cars as young as 5 years old. We could arrange great cover whether your car is a Vauxhall VX220, Austin Seven or even a trusty Ford Cortina.
Whether you bought your car as a 'project', a hobby or simply to have fun driving in, we understand the particular needs that classic car owners have from a classic insurance policy. That's why we could offer:
  • Agreed value cover – many insurers will only pay out the 'market value' of your classic car if you suffer a total loss. We could assess your car and agree cover for its true value, so you won't get a nasty surprise if you need to make a claim.

  • Laid up policies – so your classic projects are fully protected from theft or mishap.

  • Limited Mileage discounts – the fewer miles you drive, the more you can save, from as little as 1,500 miles. Because classic cars tend not to be driven every day, most schemes incorporate a limited mileage element. Unlike many of our competitors, however, we could also offer insurance for people who use their classic car more frequently.


  • Wedding Hire cover – could be arranged on application.

  • Track Day / Rally cover – could be arranged on application, depending on the policy taken.

  • Owner's Club Discounts – If you belong to a recognised classic car owners club or enthusiasts' forum, you may receive a discount of up to 15%, depending on the policy taken.

  • Modified Classic Insurance – Almost all modifications could be covered on a like for like basis
    Where else would you go to insure your kit car or replica than the United Kingdom's largest and longest established kit car insurance intermediary?
    Adrian Flux is the UK's number one kit car insurance specialist, and we have been insuring kit cars of all types for over 40 years now. Because we have a wide range of specialist kit car insurance schemes, from a number of leading insurance providers, we are able to offer cover for many situations, including young drivers, powerful cars, classic kit cars and even offer track day cover on some policies.
    From a Caterham Seven to an Ariel Atom, from a VW Baja Bug to a Land Ranger 4x4 kit car, from a replica Ferrari 355 to a four-poster bed on wheels. If you can build it, in most cases we can cover it!
    With over 40 years experience in arranging insurance for every kit and self-build car imaginable, we will tailor a kit car insurance policy as individual as your vehicle.
    Our many years in the field have enabled us to gain a vast knowledge of the kit car market, we know the needs of the kit car owner and deliver tailor made and well tested insurance policies providing cover from build to road.
    Whether you are collecting, building or driving your kit car, in most cases Adrian Flux has a policy for you. What's more, we have members of staff who have built and run their own kit cars, so we know exactly what you want from your policy.
    We have special schemes covering Caterham, Westfield, Robin Hood, Lotus Seven Replicas. Cobra replicas, Beauford, Lomax & Quantum models to name just a few of the 300 plus makes we currently insure.

    PLAY VIDEO

How to get a business loan

When applying for a business loan, it's essential to prepare a detailed business plan and fully inform the lender about your proposed venture. This information helps the lender to provide you with the right type of finance and advice.

Decisions to make

Deciding that your business needs a loan is only the first step. There are a number of things to consider before you approach a lender; how much do you need to borrow; what type of loan will you need; how long will you need it for; can the business afford to repay the loan, interest and any one-off or ongoing fees that come with the loan; what security can you offer the lender and how this affects the interest rate offered.



Find and compare loan options for your business with the Infochoice Small business loan toolExternal link (opens in same window). 
Online repayment calculators are a good tool in researching options but make sure you take the following into account:

Access to funds you borrow

If you need to access the funds on a semi regular basis (i.e. to help with cash flow to keep the business operating while waiting for your customers to pay for goods etc.), 'at call' loans such as an overdraft or line of credit are designed for this purpose.  However, if you need the funds to buy a new business or equipment etc. to expand your existing business you will need the funds 'upfront'.  This is also known as a ‘fully drawn advance’ and provides you with the entire loan amount all at once.

Loan terms

Loans provided upfront will need a portion of the loan plus interest paid back at regular intervals. The repayment amount will depend on the term or length of the loan. To determine the loan term suitable for your business you will need to calculate how much you can afford to service the loan. Be aware that the longer the loan term the more total interest you will pay. Loans that are at call have no fixed terms.

Ongoing funding

This is the average amount of an overdraft or line of credit that is used at any one time. E.g. You may wish to have an overdraft limit of $20,000 to provide money for the occasional big expense, but usually you won't use more than $5000 of that credit limit on average. So in this case $5,000 is the level of ongoing funding you need.
When applying for an overdraft limit, things to watch out for are:
  • higher the overdraft amount higher the fees
  • clauses where the lender can demand repayment of the whole loan at any time.



Fixed or variable interest rate

The choice of rate will affect the stability of repayments, overall cost of the loan and the loan features available. With a fixed rate loan the lender bears the risk of interest rate moves, while with a variable rate you will bear this risk. Ultimately, the choice of variable or fixed rates will depend upon how much free cash flow your business generates after you have paid all your expenses, including loan repayments. If your business has a low profit level, a variable rate loan repayment may rise beyond your ability to pay.

Loan security

Loans can be secured or unsecured by various types of assets, including residential, commercial, rural property or business assets. Alternatively, some loans are unsecured by any asset. Generally the less you provide for security the higher the interest rate will be. Be aware the lender has the legal right to seize any property or asset you offer as security if you can't repay a loan on time.

Fees

There can be fees which can make a loan less attractive than it first seems. These include one-off fees such as establishment/application fees, exit/discharge fees and early termination fees or regular fees such as service fees or line/credit advance fees. The Business Loan Finder tool includes the cost of set-up and ongoing fees in the average monthly repayment to give you a better idea of the true cost of the loan.

Seek advice

The information provided here will provide you with a range of possible finance options. It is important to seek advice from your accountant or business advisers before approaching a lender for a loan.
Tip: Use our below Cashflow forecasting template to plan your cash flow and work out how much you need to lend.

Plan the business, plan the finance

Lenders will ask for a lot of in-depth information about the financial history of the business. It's also important for you to create a convincing and detailed business plan which should include a profit and loss budget and cash flow forecast. The information you use to build your business plan may also be needed by the lender to assess your project. This includes both the past and future plans for your business, the people working in it and the market itself.
The outcome of your application is strongly influenced by how well your proposal is researched and how well it is presented.

Risk assessment

Banks and other lenders will look at your businesses risk profile when considering your loan application. Understanding what lenders look for and what they consider risky will help you present your business in a favourable manner.
As a general rule, lenders look for:
  • the level and nature of your security (what you're offering to give them if you can't repay the loan)
  • your ability to make regular loan repayments (cash flow risk)
  • your ability to ultimately repay the debt (business risk), including any other debts you might already have.
You need to be able to assess the level of cash flow or business risk in your specific circumstances. A projection of the cash requirements of the business is most important to a lender, as it is the actual cash left after expenses that will repay the loan, not income. It also shows you are an effective manager.

A lender's perception of risk

The following factors can influence your lender's perception of risk. If a number of these areas apply to you and your business you may need to consider another source of finance.
Risk factors:
  • start up businesses incorporate financial, business and management risk
  • lack of security 
  • lack of business history
  • industry sector, factors will include levels of competition, barriers to entry, profitability profile and current economic conditions
  • highly seasonal businesses e.g. suimsuits, agriculture. You'll need to demonstrate how you'll deal with cash flow pressures in the off season
  • lack of planning, market knowledge and finance skills
  • poor credit history.
Watch out! Before entering into a payment arrangement with the Tax Office, businesses should discuss this with their current or future lenders. Many businesses are unaware that entering into a payment arrangement with the Tax Office or other government agencies may adversely affect their current and future financing arrangements. For instance, a lender may not lend to a business if it is currently in a payment arrangement.

For more details visit the Guide to managing your tax debt External link (opens in same window)on the ATO website.


     PLAY VIDEO


KEEP COMMUNITY SUPPORT IN YOUR COMMUNITY
Donate your unwanted car to SARAH.
By helping us, you help others!

Your donation of a car, truck, or RV helps SARAH's mission of assisting individuals with intellectual disabilities. Proceeds from the sale of donated items fund various programs and services that SARAH provides to the over 650 adults and children that we serve and the families that rely upon us. 

For more information or to donate, contact the SARAH Foundation office at 203-453-6531 or email Beth atbeth@sarahfoundation.org


Thank you, your donation will make a difference! 

Frequently Asked Question for Car Donations
1. What can I donate?
We accept most vehicle donations.

2. My car/truck is not in working condition, can I still donate it?
Yes, we accept cars in all working conditions. Depending on the age, mechanical status and/or physical appearance, a determination is then made to where the donation will be processed. All cars must have an engine and should be tow-able. Cars that are in excessively poor condition may be declined as the cost of the towing may exceed the value of the donation. 

3. What does the SARAH Foundation do with the vehicles?
Depending on the above mentioned factors, the vehicles are either sold at retail, auction or salvage outlets. The proceeds go to support the various programs and services that the SARAH Family of Agencies provides to those with intellectual disabilities.

4. What paperwork is needed to donate?
For cars, only a valid title, signed to the SARAH Foundation is needed for donation. 

5. What if I do not have my title?
You will need to get a duplicate title from the DMV. For information and a copy of the application; go to www.CT.gov


6. Are there any expenses that are passed onto the donor for towing, etc?
The SARAH Foundation appreciates all donations that are received, and we incur all charges.

7. What is the process and timing for donating a vehicle?
Donations are processed with a phone call to the SARAH Foundation where a staff member will contact you verifying all of the information. From there a determination is made on how the donation will be processed. Depending on the overall condition, mileage, etc. a licensed dealer will be identified to process the donation. The vehicle information is immediately faxed to them and they will call you directly to arrange a pick-up. 

8. How quickly will it be to pick up the car and do I need to be there?
Depending on the number of donations received, the donations are usually picked up within a few days. If there is a need to pick-up quickly (ex: moving, etc) please inform us and we will try to accommodate your needs. We make the donation process as easy on you as possible so you do not need to be there. It is important that you remove the license plate and all personal items and leave the keys and title with the vehicle. Discuss with the dealer where to leave the items. If they arrive and the title and/or keys are not there, they will be unable to take the donation. 

9. Is my donation still eligible for a tax deduction under the new law?
Yes, the SARAH Foundation is a 501(c)(3) non-profit organization and your donation is tax deductible. However, individual tax situations vary so please check with a tax professional. 

10. How much will I receive as a tax deduction for my donation?
Beginning January 1, 2005, the IRS now allows you to claim a tax deduction of:
(a) The fair market value of your vehicle up to $500, or
(b) The amount that we sell it for (If more than $500 and/or we do not put a lot of work in the vehicle before selling it).
For additional information, the IRS provides a Donor's Guide to Car Donations. The link to IRS Publication 4303 and the new law revision will answer additional questions.

11. Do I get a receipt of my donation?
Yes, we will follow up with a receipt within 30 days of the sale of the item with all of the necessary information needed for filing your taxes.

12. So you have a donation, now what?
Start right away! You can call the office directly at 203.453.6531 or email Beth at beth@sarahfoundation.org. We thank you!

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