Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. To use Audio Response you will need to know your member number. For some options you will also need to know your accounts’ Share IDs. If you don’t know your member number or Share IDs, call us at (800) 962-4452 for assistance. Webster First Wins Best Credit Union of Central Mass for the 4th Year in a Row. Webster First Federal Credit Union has been awarded 2022’s Best Credit Union of Central Mass. This is the… Read More(800)962-4452 | websterfirst.com Schedule of Fees and Service Charges Effective April 2023. Please visit websterfirst.com or call (800) 962-4452 for additional information as well as details regarding your current member benefits that may help you avoid fees. *Additional fees may be charged by the receiving institution $25.00 per transfer Webster First Federal Credit Union values the health and safety of our members and employees. We are monitoring developments regarding Coronavirus (COVID-19), and will continue to do so as more information is made available. We ask any member who is showing symptoms, has been ordered to quarantine, or thinks they may have been exposed to NOT ...Webster First’s routing number is 211386597. Learn how to find your account number and get help signing up for direct deposit. Calculators.At Webster First, we understand how important financial decisions with your home can be. That’s why whether you’re buying, refinancing, building, or renovating, our commitment is to you and understanding your unique needs. Mortgages. We offer a variety of mortgage programs, including fixed rate, adjustable rate, and first time home buyers.Land loan program details. Rates as low as 6.250% APR*. Terms available from 1 – 10 years. Finance up to 75% of the purchase price. No pre-payment penalties: shrink your term by making extra payments to your principal balance. Finance construction of your new home once your land loan is complete with our construction loans.As a federal credit union, Webster First observes all federal holidays. Additionally, we typically have reduced hours on Thanksgiving Eve, Christmas Eve, and New Year’s Eve. Upcoming 2023 Holidays – Observed. Martin Luther King Jr. Day – Monday, January 16 Closed. Presidents’ Day – Monday, February 20 Closed. Memorial Day – Monday ... ‎Check your balances, deposit checks, pay bills, transfer funds and more with Webster First Federal Credit Union's mobile banking app. It’s safe, convenient, fast and free. Features – available 24/7 •Deposit Checks * •Check Balances •View account transfer history •Transfer funds •Make Loan payment…Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.To use Audio Response you will need to know your member number. For some options you will also need to know your accounts’ Share IDs. If you don’t know your member number or Share IDs, call us at (800) 962-4452 for assistance.Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their local businesses and community. To use Audio Response you will need to know your member number. For some options you will also need to know your accounts’ Share IDs. If you don’t know your member number or Share IDs, call us at (800) 962-4452 for assistance. 4 hours ago · East Webster rolls to a 49-0 win over Baldwyn. BALDWYN — Last November, the East Webster Wolverines saw their season come to an end on the road against the Baldwyn Bearcats, losing in the first ... Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.1.51%. $500. 1:APY = Annual Percentage Yield. Compounds daily. Penalty may be imposed for early withdrawal. 2:Minimum balance to obtain these rates is $1,000 and cannot be transferred from an existing Webster First Federal Credit Union account. Limited time offer. All rates subject to change without prior notice.Banking done better. Hello! We’re Webster First. We’ve been around Massachusetts for over 90 years helping people like you with their everyday banking needs. Our members love banking with us, and we think you will too. For a financial institution that puts you first, turn to Webster First Federal Credit Union. ‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. ‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. ‎Check your balances, deposit checks, pay bills, transfer funds and more with Webster First Federal Credit Union's mobile banking app. It’s safe, convenient, fast and free. Features – available 24/7 •Deposit Checks * •Check Balances •View account transfer history •Transfer funds •Make Loan payment…At Webster First, we understand how important financial decisions with your home can be. That’s why whether you’re buying, refinancing, building, or renovating, our commitment is to you and understanding your unique needs. Mortgages. We offer a variety of mortgage programs, including fixed rate, adjustable rate, and first time home buyers.Our Elite Business checking account was created especially for the growing needs of corporations, LLCs, and partnerships. First Advantage Checking for Business. Our flagship First Advantage Checking account, designed for DBAs and Sole Proprietors. Webster First business debit Mastercard®. Make purchases or withdraw funds from your business ... On May 4, 2021, the Small Business Administration informed trade associations that Paycheck Protection Program (PPP) funding has been exhausted and that the PPP application portal has stopped accepting applications for loans from lenders such as Webster First Federal Credit Union. As such, Webster First Federal Credit Union is no longer ...Banking on the go – anytime, anywhere. Managing your money on the go is easier than ever with Webster First Federal Credit Union’s mobile banking app. Deposit checks. Activate cash back‡ offers. See budgets and spending with Money Management. Set alerts. Check account balances and history. Transfer funds. Pay bills.Webster first has partnered with CardConnect, Clover a Fiserv Company, a leading provider of technology-enabled payment processing, to provide a fast, easy, and secure payment processing experience for you and your customers. CardConnect, Clover a Fiserv Company helps ease the entire payment process, so you can get back to doing what you do ...map of greenland
‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. Webster First Federal Credit Union values the health and safety of our members and employees. We are monitoring developments regarding Coronavirus (COVID-19), and will continue to do so as more information is made available. We ask any member who is showing symptoms, has been ordered to quarantine, or thinks they may have been exposed to NOT ...Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. [Óg @µÿÐF"Ìzñ ï €º{ ŽÔ…? þýÇÀ`Ü=aZ6»Ãér{¼>¿Gß´ú¾~‰ ‚”7"‹§ ëUíÔùf =Çå=z ÅCb‡" ’² ¼ÿ«¯öUí ¼“ù $ ’ eÉÈʲ ...Join Webster First Federal Credit Union. Webster First serves a specific geographical community, providing financial services to residents and businesses within the area. The TOM Code for the credit union is 00 (Community). Membership is also open to immediate family of current members. Joining Webster First is quick and simple. (800)962-4452 | websterfirst.com Schedule of Fees and Service Charges Effective April 2023. Please visit websterfirst.com or call (800) 962-4452 for additional information as well as details regarding your current member benefits that may help you avoid fees. *Additional fees may be charged by the receiving institution $25.00 per transfer2022 YEAR-END RECAP. We helped 611 people with mortgages and home equities. Over $119.6 million. We helped 5035 people finance their dream car. And 292 refinance their car loans to lower payments. Over $156.7 million. We helped 178 local business with loans. Over $107 million. We added a chatbot to websterfirst.com.Jul 31, 2022 · Webster First’s marketing team completely redesigned the credit union’s website in 2021 with the help of a local agency partner, Yelling Mule.Throughout 2020, the Webster First marketing team assessed the friction points of the previous website design, conducted research on the websites of industry leading credit unions and banks, and aligned branding to best match our core values of ... Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Webster First FCU Branch Location at 15 Woodside Ave, Winthrop, MA 02152 - Hours of Operation, Phone Number, Services, Routing Numbers, Address, Directions and Reviews. Find Branches Branch spot Banks & CUs ATMs1 password login
Retirement savings made simple. Start saving for retirement today with a Webster First Federal Credit Union IRA. We offer a variety of IRAs designed to accommodate your retirement plans, whether you’re bound for sunny Florida, Napa Valley, or right here at home in New England. To open an IRA, please visit one of our branches. A career at Webster First comes with a variety of perks and benefits. Some highlights include: Paid time off, including federal holidays, vacation and personal hours, plus your birthday off every year! 3% of employee salary automatically contributed to 401K as part of our “safe harbor” program, additional employee contribution matching up ... Join Webster First Federal Credit Union. Webster First serves a specific geographical community, providing financial services to residents and businesses within the area. The TOM Code for the credit union is 00 (Community). Membership is also open to immediate family of current members. Joining Webster First is quick and simple. Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. 1.51%. $500. 1:APY = Annual Percentage Yield. Compounds daily. Penalty may be imposed for early withdrawal. 2:Minimum balance to obtain these rates is $1,000 and cannot be transferred from an existing Webster First Federal Credit Union account. Limited time offer. All rates subject to change without prior notice. Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Webster First Federal Credit Union values the health and safety of our members and employees. We are monitoring developments regarding Coronavirus (COVID-19), and will continue to do so as more information is made available. We ask any member who is showing symptoms, has been ordered to quarantine, or thinks they may have been exposed to NOT ...Commercial Term Loans. Financing for longer-term financing requirements and for a specific business purpose and amount. Used to support fixed asset purchases including machinery, equipment, or vehicles for business operations. May also be used to refinance existing business debt. Terms with a set repayment schedule and specific maturity date. world according to garp
Local, neighborly know-how. Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their neighbors and community.[Óg @µÿÐF"Ìzñ ï €º{ ŽÔ…? þýÇÀ`Ü=aZ6»Ãér{¼>¿Gß´ú¾~‰ ‚”7"‹§ ëUíÔùf =Çå=z ÅCb‡" ’² ¼ÿ«¯öUí ¼“ù $ ’ eÉÈʲ ... Build your credit and earn rewards. 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more. 2% unlimited cash back on choice of one everyday category like gas stations & ground transportation, restaurants & food delivery and grocery ...Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.About Webster First Federal Credit Union. Webster First Federal Credit Union was chartered on Oct. 19, 1995. Headquartered in Worcester, MA, it has assets in the amount of $642,150,759. Its 64,050 members are served from 15 locations. Deposits in Webster First Federal Credit Union are insured by NCUA.Sep 11, 2023 · When the 1-year matures, you invest it into a new 5-year share certificate, and when the 2-year matures, you do the same thing. Continue every year that a share certificate matures. This way you have one maturing at the end of each year. Eventually, they will all become 5-year certificates with one still maturing at the end of each 1-year period. In honor of Webster First celebrating its 95th birthday this year, the community voted between the names of three men who were important to the credit union’s history: Our very first member, Jacob S. Ciborowski. Voting ended Monday, March 20, 2023 at 12:00pm, with “Jacob” winning. You can visit Jacob at our branch located at 41 East Main ...Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Local, neighborly know-how. Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their neighbors and community.At Webster First, we understand how important financial decisions with your home can be. That’s why whether you’re buying, refinancing, building, or renovating, our commitment is to you and understanding your unique needs. Mortgages. We offer a variety of mortgage programs, including fixed rate, adjustable rate, and first time home buyers.Setting up direct deposits. You will need to provide both Webster First’s routing number and your account number to set up a direct deposit. Your account number may differ from your member number, and can be found either on your checks, in online banking, or by calling us at (800) 962-4452.[Óg @µÿÐF"Ìzñ ï €º{ ŽÔ…? þýÇÀ`Ü=aZ6»Ãér{¼>¿Gß´ú¾~‰ ‚”7"‹§ ëUíÔùf =Çå=z ÅCb‡" ’² ¼ÿ«¯öUí ¼“ù $ ’ eÉÈʲ ... Webster First Federal Credit Union, Worcester. 8,594 likes · 196 talking about this · 82 were here. Webster First Federal Credit Union's official...greendot balance
Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. 2. Debt avalanche strategy. With this strategy, you pay off your debts with the highest interest rate first, while making the minimum payments on the rest. Once you pay off the highest rate credit card or loan, you move to the next highest rate account, and so on. A high balance coupled with a high interest rate will have you gaining more debt ...‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. At Webster First, we understand how important financial decisions with your home can be. That’s why whether you’re buying, refinancing, building, or renovating, our commitment is to you and understanding your unique needs. Mortgages. We offer a variety of mortgage programs, including fixed rate, adjustable rate, and first time home buyers.A Money Market account keeps your cash accessible, so it’s there for you when you need it. Make unlimited withdrawals in person at your local branch. Up to 6 withdrawals may be made monthly at an ATM, online, or by phone. Get access to your accounts at nearly 30,000 ATMs through our CO-OP Network partners. Find an ATM.Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their local businesses and community. Feb 18, 2022 · Webster First. We think earning rewards should be easy. That’s why we’ve completely revamped our rewards offerings, and are excited to introduce our new Cash Back Rewards ‡ program – now available in online banking and our mobile app. This new rewards program puts all your rewards into one place, with no need to collect or redeem points ... Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.A Money Market account keeps your cash accessible, so it’s there for you when you need it. Make unlimited withdrawals in person at your local branch. Up to 6 withdrawals may be made monthly at an ATM, online, or by phone. Get access to your accounts at nearly 30,000 ATMs through our CO-OP Network partners. Find an ATM.Webster First’s routing number is 211386597. Learn how to find your account number and get help signing up for direct deposit. Calculators.Our Jump Start Checking account is specifically designed for young adults ages 15 – 22. The account will automatically upgrade to First Advantage Checking once you reach 23 years of age, guaranteeing a great account for years to come. To open a Jump Start Checking account, please visit one of our branches. Find a Branch.Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. Michael Lussier. Websterfirst.com is a Banking company and has headquarters in Worcester,ma. Websterfirst.com has 142 employees. It was founded in 1928. Websterfirst.com specialises in banking. Websterfirst.com is a nonprofit. View Number. Overview Company Overview Top Contacts. cleveland city schools‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program.Banking done better. Hello! We’re Webster First. We’ve been around Massachusetts for over 90 years helping people like you with their everyday banking needs. Our members love banking with us, and we think you will too. For a financial institution that puts you first, turn to Webster First Federal Credit Union. We’re Webster First. We’ve been around Massachusetts for over 90 years helping people like you with their everyday banking needs. Our members love banking with us, and we think you will too. For a financial institution that puts you first, turn to Webster First Federal Credit Union.At Webster First, we’ve focused on making the right financial decisions for over 90 years, and our commitment is to help you do the same. Our Credit Builder loans offer you an opportunity to establish or improve your credit while building savings, laying the groundwork for a good financial bill of health.Online Banking. Secure access to your accounts twenty-four hours a day, seven days a week. Check balances, pay bills, create budgets, and more. Mobile Banking. Convenient access to your money, on the go. See balances with a swipe, deposit checks, and enable push notifications so you’re always on top of your money. Telephone Banking.Financing what moves you. When the road, lake, or campground is calling, we can help you answer. When you choose Webster First, you can expect straightforward answers to all your lending questions, and clear expectations on our loan process. Each relationship starts with trust and it’s the cornerstone of our acclaimed member service.Our Jump Start Checking account is specifically designed for young adults ages 15 – 22. The account will automatically upgrade to First Advantage Checking once you reach 23 years of age, guaranteeing a great account for years to come. To open a Jump Start Checking account, please visit one of our branches. Find a Branch.‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. A credit union you can count on. We were founded in 1928, just a year before the Great Depression, by a handful of men looking to provide banking based on trust and integrity. Despite early hardships, they stayed true to this mission. Today, as a result of our determination to make the best possible financial decisions, Webster First is one of ... ‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. (800) 962-4452 | websterfirst.com Effective July 2019. Please visit websterfirst.com or call (800) 962-4452 for additional information as well as details regarding your current member benefits that may help you avoid fees. Many Webster First members have a checking, savings, and investment account all associated with the same member number. Your member number is listed on the top of your printed statements or eStatements. (Please note, your statement may list “Account Number” in the top left, as shown below.)Feb 18, 2022 · Webster First. We think earning rewards should be easy. That’s why we’ve completely revamped our rewards offerings, and are excited to introduce our new Cash Back Rewards ‡ program – now available in online banking and our mobile app. This new rewards program puts all your rewards into one place, with no need to collect or redeem points ... map for dayz
Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their local businesses and community. Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Local, neighborly know-how. Our roots are in Massachusetts, opening our first branch in the small town of Webster back in 1928. Since then we’ve grown to over $1.2 billion with over 80,000 members who trust us with their banking. Since our banking team is locally grown too, they personally care about the success of their neighbors and community.Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. Webster First Federal Credit Union values the health and safety of our members and employees. We are monitoring developments regarding Coronavirus (COVID-19), and will continue to do so as more information is made available. We ask any member who is showing symptoms, has been ordered to quarantine, or thinks they may have been exposed to NOT ...‡Must have qualifying Webster First Federal Credit Union checking account, debit card, and online banking. Webster First Federal Credit Union offers no warranties on any offers, commitments, promotions, money back, or other incentives offered by any of the merchants in the cash back rewards program. Apr 24, 2023 · Our fixed mortgage calculator will show you that your monthly payment will equal approximately $1,905.73 without taxes and insurance. Do those same calculations with our ARM calculator for the 7 & 1 and you get a monthly payment of $1,775.32 for the first 7 years of the loan. In sum, a difference of $130.41 per month for 7 years equals a total ... Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties.Our Jump Start Checking account is specifically designed for young adults ages 15 – 22. The account will automatically upgrade to First Advantage Checking once you reach 23 years of age, guaranteeing a great account for years to come. To open a Jump Start Checking account, please visit one of our branches. Find a Branch. Nov 24, 2021 · The new websterfirst.com is fully compatible with mobile devices, and better equipped to meet ADA (Americans with Disabilities Act) standards, so all of our members can easily find the information they need. To best serve you, we are providing an extended preview of the new site while still maintaining our current website. For the next several ... Webster First Federal Credit Union, Worcester. 8,594 likes · 196 talking about this · 82 were here. Webster First Federal Credit Union's official... Webster First Federal Credit Union provides banking services such as checking accounts, savings accounts, mortgages, home equities, and loans. Our goal is to provide financial assistance and exceptional customer service for the local communities within Essex, Middlesex, Suffolk, and Worcester counties. minecraft wallpaper
We’re Webster First. We’ve been around Massachusetts for over 90 years helping people like you with their everyday banking needs. Our members love banking with us, and we think you will too. For a financial institution that puts you first, turn to Webster First Federal Credit Union.Commercial Term Loans. Financing for longer-term financing requirements and for a specific business purpose and amount. Used to support fixed asset purchases including machinery, equipment, or vehicles for business operations. May also be used to refinance existing business debt. Terms with a set repayment schedule and specific maturity date. Webster First. We think earning rewards should be easy. That’s why we’ve completely revamped our rewards offerings, and are excited to introduce our new Cash Back Rewards ‡ program – now available in online banking and our mobile app. This new rewards program puts all your rewards into one place, with no need to collect or redeem points ...Commercial Term Loans. Financing for longer-term financing requirements and for a specific business purpose and amount. Used to support fixed asset purchases including machinery, equipment, or vehicles for business operations. May also be used to refinance existing business debt. Terms with a set repayment schedule and specific maturity date. Setting up direct deposits. You will need to provide both Webster First’s routing number and your account number to set up a direct deposit. Your account number may differ from your member number, and can be found either on your checks, in online banking, or by calling us at (800) 962-4452.Reimburses up to 125% of MSRP or NADA Retail in the event of a totaled or stolen vehicle to pay the vehicle loan after insurance payment. Includes Auto Deductible Reimbursement, which could help cover your auto deductible up to $500 in the event of a loss. Auto insurance. As a member of Webster First, you’ll enjoy a 5% discount on your auto ...