NCFCU-july-newslette.. - New Cumberland Federal Credit Union

JULY 2014
A QUARTERLY PUBLICATION
FOR MEMBERS OF NCFCU
www.ncfcuonline.org
Facebook.com/NCFCU
Traveling?
If you’re planning a getaway,
please let us know! It’s one of
the best ways to help NCFCU
safeguard your account—no
matter where in the world
you may be. By telling us
where you’re planning to use
your NCFCU Visa® Debit or
Credit Card, you can help
protect your card from being
used without authorization.
So before you leave on your
next trip, give us a call!
Direct Deposit
Changes?
You’ll need to know these
important phone numbers:
Social Security Administration,
1-800-772-1213
Department of Veterans
Affairs, 1-877-838-2778
Office of Personnel
Management/Civil Service,
1-888-767-6738
Railroad Retirement Board,
1-877-772-5772
Defense Finance and
Accounting Service,
1-800-321-1080
Holiday Closings
We will be closed to observe
the following holidays:
✦ Monday, September 1
Labor Day
✦ Monday, October 13
Columbus Day
For 24/7 access, use PAM
Voice Service, Online Banking
at ncfcuonline.org, and/or
ATM STAR Network. Visit
our website for 4,000+ nonsurcharging ATM locations.
Talk About Savings! The Sprint Credit Union Member Discount
Enjoy valuable savings on monthly wireless bills—plus waived activation and
upgrade fees. It’s all possible thanks to NCFCU, Invest in America, and Sprint’s
Credit Union Member Discount program. Start saving with Sprint today!
Ways You Can Save:
3 Ways to Get Your Discount:
• 10% off* select personal Sprint plans
• Call 877.SAVE.4CU (877.728.3428) and tell
• 15% off* select business Sprint plans
them you’re a credit union member. Ask to be a
• Waived activation fee on new activations
part of the NACUC_ZZM Corporate ID to save
• Waived upgrade fee
• Click LoveMyCreditUnion.org/Sprint
• Available to new and existing Sprint customers
• Visit your nearest Sprint store
*Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not
available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint.
16 Travel Money Card Facts Another Great Benefit of Membership
1
Travel money cards can only be activated by phone and doing
so requires the last four digits of the purchaser’s phone number.
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They are sold in denominations between $100 and $5,000.
3
Travel money cards do have an expiration date. If the card
has expired, the balance can be transferred to a new card.
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The fee to purchase a travel money card is $3.00.
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Travel money cards can be reloaded unlimited times.
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They can be reloaded online and normally take a 3 to 5 day
hold on funds. Members can also reload cards at the branch
for a $3.00 fee and money is available that day.
7
The fee to replace a lost or stolen travel money card is $5.00.
8
You can use a travel money card at an ATM to withdrawal
money with a daily maximum of $300.00.
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The fee for a domestic ATM withdrawal is $1.50, and $2.00
for an international withdrawal.
10
A balance inquiry charge is $1.50. Denied ATM or merchant
purchase is a $.50 fee.
11
The over-the-counter cash advance fee is $5.00. The limit is
two per day with a daily maximum of $1,000.00.
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When using at a restaurant, the purchase amount will be
increased by 20% while being authorized by Visa, therefore,
sufficient funds must be available for the entire amount.
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They can be used 25 times within 24 hours. The pin maximum
is $1,500.00 and the merchant maximum is $5,000.00 per day.
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You can make purchases with travel money cards 24/7 at all
Visa locations when traveling domestically or internationally.
15
A transaction can be made on the travel money card in a
currency other than U.S. dollars.
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Check the balance or report a lost/stolen travel money card
by calling 1-877-850-9650 or by visiting www.cumoney.com.
If you currently have Nationwide Insurance, you should be getting
a discount because you are an NCFCU member. If you don’t
have Nationwide Insurance, check it out to see if they can save
you money!
Like us, Nationwide is made up of members and for members.
This philosophy drives their industry-leading On Your Side®
service, and serves as one of the many reasons our partnership is a
great fit.
5 Reasons to Consider Nationwide for Car Insurance
1. Car Insurance for Less with a Members-Only Discount
2.
3.
4.
5.
As a member of New Cumberland Federal Credit Union, you’re
eligible for an exclusive discount.
Safe Drivers Get a Free Pass
When you add Vanishing Deductible,
you can take $100.00 off your
deductible each year for safe driving
(up to a total savings of $500.00).
Better Claims Service
Four out of five policyholders who
have filed a claim would recommend
us to a friend or family member.
Repair Guarantee
With Nationwide’s worry-free claims service, you get 24/7
access, a 100% guarantee on repairs, plus 24-hour On Your Side®
Auto Repair updates.
On Your Side® Review
Make sure your car insurance coverage keeps up with your
life. A Nationwide On Your Side® Review helps you see the
big picture, so you can get the auto insurance coverage that fits
your needs, goals and budget.
Nationwide Insurance and New Cumberland Federal Credit Union
are working together for you! Get a quote. Call Donald Harner or
Nicholas Harner at 717-657-1912.
Cyber-Related Scams Targeting Universities, Employees, and Students
The Internet Crime Complaint Center (IC3) is aware of multiple
scams targeting universities, their employees, and students. The scams
range from Internet fraud to intrusions, and could affect credit unions
with student or university accounts. Common scenarios include:
• Spear phishing emails are being sent to university employees that
appear to be from their employer. The email contains a link and
claims an issue has risen requiring them to enter their log-in
credentials. Once employees provide their user name and password,
the perpetrator accesses the university’s computer system to redirect
the employees’ payroll allocation to another bank account.
• Scammers are posting online ads soliciting college students for
administrative positions in which they would receive checks via
the mail or email. Students are directed to deposit the checks into
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their accounts, and then print checks and/or wire money to an
individual. Students are never asked to provide their bank account
information to the perpetrators.
• Perpetrators are compromising students’ credentials to reroute
reimbursement money from student loans to other bank accounts.
• Perpetrators are obtaining professors’ Personally Identifiable
Information (PII) and using it to file fraudulent income tax returns.
• Some universities have been victims of intrusions, resulting in the
perpetrators being able to access university databases containing
information on their employees and students.
If you are aware of any of these scams or any other Internet related
scam, you are encouraged to file a complaint with the IC3 at
www.ic3.gov and notify police.
PAYING FOR COLLEGE?
2014 S C HO L A R SH I P
W H AT A R E Y O U R O P T I O N S ?
WINNERS
The process of applying for college funding can be daunting, but
the good news is that there is extensive financial aid available to help
fund the cost of your child’s college education. The financial aid
forms you obtain from the college your child wants to attend will
help you through the application process step by step. The most
important form is the Free Application for Federal Student Aid
(FAFSA), which has a very strict deadline. In addition, some colleges
and lenders require that parents, rather than the child, fill out the
form. In most cases, a good place to start the search is through your
child’s high school guidance counselor or the college(s) your child is
thinking of attending. Here are some options to consider:
Two $1,000.00 Walter
T. Lightner Memorial
Scholarships were awarded
by NCFCU President/CEO
Donald M. Varner, Jr., right.
Christopher Witmer, left top,
graduated from Cedar Cliff High School and
will be attending George Mason University in
Fairfax, VA, studying Government and
International Politics.
GR ANTS & SCHOLARSHIPS
Begin your search for scholarships and grants which cost you nothing
and don’t have to be repaid. It’s important to note that if your child
is awarded a grant or scholarship, the college will deduct that amount
from the financial aid it would otherwise give your child.
Melina Olivas, left bottom, will be entering
her sophomore year at Juniata College in
Juniata, PA, studying Psychology and Spanish.
Congratulations to our Scholarship Winners!
C O L L E G E W O R K- S T U DY ( C W S ) P RO G R A M
The work-study program permits eligible students to work on campus
to help offset educational expenses and reduce loan obligations.
Students from higher-income families have a better chance of getting
a CWS part-time job than of getting most kinds of grants.
High School Graduate To-Do List
Graduation is bittersweet. You’re happy to have finally graduated
and to be starting a new life chapter, yet you’re sad to be leaving
friends, family, and even your dog! There are lots of fun things to
do before college, but there are also many important items on
your to-do list. Here’s a list of what you need to do to stay on track.
LO A N S
The federal government is the largest financial aid source for college
students, but there are also state government loans, college-sponsored
loans, commercial lending institutions, and private student loans
through credit unions. Credit Union Student Choice is a nationwide
program designed to fill funding gaps that federal aid can leave. You
can obtain a lower loan rate and fewer fees than other lenders. Visit
www.ncfcuonline.studentchoice.org for information or to apply.
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S C H O O L - C E R T I F I E D S T U D E N T LO A N S
NCFCU offers school-certified student loans after your other
financial aid options are exhausted. A school-certified student
loan is when the school you’re enrolled in verifies the remaining
tuition balance. Funds are sent by NCFCU directly to
the school. Any difference goes to the borrower for books,
transportation, technology, and other necessities.
With an NCFCU student loan, you’ll enjoy no origination
fees; fast, easy approval process; low interest rates; flexible
repayment options; and an easy, online application.
To learn about qualifying criteria, rates and terms, deferment
and repayment options, loan amounts, or how to apply, visit our
student lending center at www.ncfcuonline.studentchoice.org
or call a student loan representative at 866-825-6452.
You will likely need more than one type of financial aid to fund your
child’s college education, but understanding the basics and filling
out the FAFSA are great first steps. Take care in choosing lenders that
offer the lowest rates and most flexible repayment terms, especially
if you have a need for private loans in addition to federal aid.
Review your award letters and financial aid options. Be sure
you have enough to attend school. Look into private loans to
make up a shortfall, if needed.
Pay your college deposit to hold your spot. Don’t forget
to inform other schools that accepted you that you won’t
be attending, so they can offer your spot to someone else.
3
Start your summer job hunt. Earn as much money as you
can to help with expenses during the school year.
4
Shop. You’ll need lots of items for your dorm room. Watch for
back-to-school sales and spread out purchases over summer.
5
Create a budget. Review your finances and expected expenses
with your parents. Determine what you can spend each month
so you don’t have to eat Ramen noodles every night.
6
Contact your roommate. This first phone call might be
awkward, but it’s smart to talk about what you’re each bringing
to school to make sure it will all fit in your room. Friending
them on Facebook is also a good way to learn a lot about them.
7
Attend orientation. Designed especially for freshmen, these
programs allow you and your parents an opportunity to ask
questions and learn your way around campus.
8
Spend time with friends. This may be the last time you see
them for awhile, so have fun together. Go camping, to the
beach, or to an amusement park and take lots of pictures!
Congratulations on your next big journey!
3
Change of Address/Name
Email
Address
Request
When you have a change of address, in order to ensure that your
statements and correspondence will continue getting to you in a
timely fashion, please notify us in any of the following ways:
✦ Send notification with your signature to the credit union,
✦ Stop by any of our offices to complete the change of address form,
✦ Change via NCFCU online banking.
When there is a name change you will need to complete a new
signature card as well as supply a copy of the name change document.
Use this form,
stop by any office,
or use Online
Banking/Address
Maintenance.
Tell Me More!
NCFCU has so
much to offer you!
If you are interested in
any of the products or
services below, please
check the appropriate
box(es) and return the
form to the credit union.
ADDRESS
CITY
STATE
ACCOUNT NUMBER
PHONE NUMBER
ZIP
DEFENSE DISTRIBUTION CENTER –
EDC FACILITY
EMAIL
Checking Accounts
Club Accounts
Direct Deposit
Payroll Deduction
Electronic Bill Payment
Home Equity Loans
IRAs
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Money Market Accounts
Online Banking
PAM Voice Response
Personal/Signature Loans
Student Loans
Savings Accounts
Share Certificates
Use separate sheet if necessary. Answers to requests will be addressed
individually or published in the NCFCU newsletter if determined to
be beneficial to the membership-at-large. NCFCU does not endorse
the products or services of vendors listed herein. But, these services are
offered as money saving opportunities for you!
NCFCU Loan Rates
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Share Secured Loans
STAR ATM/Visa Debit Card
Vehicle Loans
Visa Credit Card
Other
Return to:
Marketing Department
New Cumberland Federal Credit Union
P.O. Box 658
New Cumberland, PA 17070-0658
Effective June 20, 2014 • Subject to change without prior notice.
Vehicle Loan Rates
Credit Card Rates
New & Used Vehicles/Cycles (model years 2011 and
newer) – Up to 100% financing. Sticker price PLUS
tags, taxes, warranty, and Gap.
VISA Credit Card
Fixed APR
TERMS
APR
Home Equity Loan Rates
1 - 60 months
61 - 72 months
73 - 84 months*
2.65%***
3.24%***
4.24%***
Home Equity Fixed Rate –
85% financing loan to value.**
*Loan request must be over $20,000.
Used Vehicles/Cycles (model years 2007–2010) –
100% of NADA Book, Retail Value. PLUS tags, taxes,
warranty, and Gap.
TERMS
APR
1 - 60 months
61 - 72 months*
73 - 84 months*
3.65%***
4.99%***
6.49%***
*Loan request must be over $15,000.
6.90% to 12.90%
TERMS
APR
Up to 60 months, $10,000.01 and over
Up to 60 months, $10,000.00 or less
61 - 120 months
121 - 180 months
3.24%***
3.49%***
3.74%***
4.24%***
Home Equity Variable Rate –
75% financing loan to value.**
6.00%
APR
Rates adjust quarterly. Max. rate is 18% APR; min. rate is 6.00% APR.
Personal Loan Rates
Used Vehicles/Cycles over 7 years old* –
100% of NADA Book.
TERMS
APR
Under $10,000 1 - 48 months
Over $10,000 60 months maximum
5.99%***
4.99%***
APR
7.50%***
APR
Up to 60 Months (Longer terms available.) 11.15%***
Line of Credit
10.65%***
All Loan Rates are subject to change without prior notice. Rate could be
higher depending on credit. ***All rates reflect Member Rewards except
VISA and Home Equity LOC. Check with the Loan Department for
specific information relative to your request.
**Loan to value is appraised value less first mortgage.
Room 123, New Cumberland, PA 17070
Phone: 717-774-7999 Fax: 717-774-7998
Hours
Monday, Tuesday. . . . 7:30 a.m. – 3:30 p.m.
Wednesday . . . . . . . . 9:30 a.m. – 3:30 p.m.
Thursday, Friday . . . . 7:30 a.m. – 3:30 p.m.
Office closes for lunch from 12:30 to 1:00 p.m.
FORT INDIANTOWN GAP
Building 9-121, Iland Avenue
Annville, PA 17003
Phone: 717-865-6641 Fax: 717-865-3262
Night Deposit Drop Box, Drive-up ATM,
Notary Service*
Hours
Monday, Tuesday. . . . 8:30 a.m. – 3:30 p.m.
Wednesday . . . . . . . 10:00 a.m. – 3:30 p.m.
Thursday. . . . . . . . . . 8:30 a.m. – 4:00 p.m.
Friday . . . . . . . . . . . . 8:30 a.m. – 6:00 p.m.
YORK
200 Memory Lane, York, PA 17402
Phone: 717-757-1964 Fax: 717-755-7603
Drive-up Window, Drive-up ATM, and
Night Deposit Drop Box, Notary Service*
Hours
Monday, Tuesday. . . . 8:00 a.m. – 4:30 p.m.
Wednesday . . . . . . . 10:00 a.m. – 4:30 p.m.
Thursday, Friday . . . . 8:00 a.m. – 6:00 p.m.
Saturday . . . . . . . . . . 8:30 a.m. – 1:00 p.m.
MECHANICSBURG
6692 Carlisle Pike, Mechanicsburg, PA 17050
Phone: 717-591-0325 Fax 717-591-0327
Drive-up Window, Drive-up ATM, and
Night Deposit Drop Box, Notary Service*
Hours
Monday, Tuesday. . . . 8:00 a.m. – 4:30 p.m.
Wednesday . . . . . . . 10:00 a.m. – 4:30 p.m.
Thursday, Friday . . . . 8:00 a.m. – 6:00 p.m.
Saturday . . . . . . . . . . 8:30 a.m. – 1:00 p.m.
*Notary Service free to Members. Please call
ahead to insure notary associate is available.
Signature Loans
TERMS
4
345 Lewisberry Road, P.O. Box 658
New Cumberland, PA 17070
Phone: 717-774-7706 Fax: 717-774-7996
Toll Free: 800-716-2328
Drive-up Window, Drive-up ATM, and
Night Deposit Drop Box, Notary Service*
Hours
Monday, Tuesday. . . . 8:00 a.m. – 4:30 p.m.
Wednesday . . . . . . . . 9:00 a.m. – 4:30 p.m.
Thursday, Friday . . . . 8:00 a.m. – 6:00 p.m.
Saturday . . . . . . . . . . 8:30 a.m. – 1:00 p.m.
Building 54-3, New Cumberland, PA 17070
Phone: 717-774-4634 Fax: 717-774-8108
Drive-up ATM off Mission Drive
Hours
Monday, Tuesday. . . . 7:30 a.m. – 3:30 p.m.
Wednesday . . . . . . . . 9:30 a.m. – 3:30 p.m.
Thursday, Friday . . . . 7:30 a.m. – 3:30 p.m.
Office closes for lunch from 12:00 to 12:30 p.m.
SIGNATURE
Other Secured – Includes new RVs
and new boats.
MAIN OFFICE
DEFENSE DISTRIBUTION CENTER
NAME
❏ I no longer want to receive a paper statement, please sign me up for E-Statements.
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Office Locations
Member Services
PAM Voice Response:
717-774-5731 or 800-706-2328
VISA ATM/Debit Cards: 800-472-3272
Visa Credit Cards: 800-237-6211
Web Site and Online Banking:
www.ncfcuonline.org
(Add to your browser “Favorites.”)