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Message from the Board Chair

Everywhere you look we have choices. In fact, a recent study found that the average adult makes 35,000 “remotely” conscious decisions a day (over 200 about food alone!). These decisions run the gamut from trivial ones like whether to put butter or jelly on your toast to more important ones like whether you will accept a new job position.

When it comes to banking, we know choices abound. There are hundreds of financial institutions (FIs) out there vying for your time, attention and money. In Maryland alone, there are close to 150 different FIs. At Tower, we want to make your financial decisions easier! That is why we consistently strive to make your Tower membership a value-added experience, and have purposefully built Tower as a “one-stop shop.” We want to make coming to Tower for all of your financial needs a no-brainer—no matter what your age or stage.

Looking for free checking? Come to Tower. In the market for a new car? Come to Tower. Looking to buy or sell your home? Come to Tower. Need investment advice — trying to build a nest egg? Come to Tower. Want a loan to remodel your kitchen or pay for college? Come to Tower.

The bottom line is Tower is here for you! We are a full-service credit union designed to meet your financial needs through a variety of low-cost products and services that will save you money and even often give you cash back. In fact, did you know that Tower members on average save $2,177 off MSRP* with the Tower Car Buying Service powered by TrueCar®?

Speaking of savings, last year, Tower members saved almost $3 million in cash-back rewards with a Tower Gold Mastercard®. Plus, we are offering a sweet deal Mastercard balance transfer offer now through the end of the month.** Save hundreds—maybe even thousands—with no interest on your transferred balances for all of 2018. Our Debit Rewards program is another easy way to save. Last year, Tower members earned over $70,000 in cash rewards simply by shopping as they usually do with their Tower debit card.

If you’re in the market for a new home, Tower’s convenient—and free—HomeAdvantage® Program can help you through every step of the process, from search to settlement. Plus, approved agents in our network give you 20% off of their commission! Another great deal for Tower members. If you’re having trouble coming up with a down payment for a new home, don’t fret. Tower’s $0 down payment Unbelievable Mortgage bundle can help turn your dreams of buying a home a reality.

While we want to make sure you benefit from all of the rewards of Tower membership, we also like to provide easy and convenient ways for our members to give back to the communities we live and work in. So, stop in to a Tower branch this month and participate in our annual Have a Heart campaign to benefit the TowerCares Foundation. For $1 or more, we’ll display a colorful heart with your name or the name of a loved one. Donations ultimately will help support children receiving treatment at the Johns Hopkins Children’s Center in Baltimore, Md. and their families.

On behalf of Tower’s Board, I thank you for your membership and the confidence you have placed in Tower to provide for your financial needs. Come to us for all of it! If you know family members or co-workers that are not yet Tower members, I invite you to share the value of Tower with them, and encourage them to join so they too can reap the savings and benefits of lifetime Tower membership.

* Between 1/1/21 and 12/31/21, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as 10/31/18, was $2,177.

** Balance transfer offer effective through February 28, 2018. Transfers from a Tower Mastercard are not accepted. 3% fee per balance transfer applies. 0% APR special balance transfer rate good through December 31, 2018.

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Resources: Money Talks News, Thinking Business Blog, Leading Edge

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