for Low Rates - Northrop Grumman Federal Credit Union

Holiday Closing Schedule
Northrop Grumman Federal Credit Union will be
closed in observance of the following holidays:
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Main Office - Pacific Pointe
879 West 190th Street
Gardena, California 90248
Thanksgiving Day – Thursday, November 22
Day After Thanksgiving – Friday, November 23
Christmas Day – Tuesday, December 25
New Year’s Day – Tuesday, January 1, 2013
Scan the code
below with a
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access our
website on your
smartphone!
Mailing Address:
Box Number 47009
Gardena, California 90247-6809
Call Center Hours
For the 2012 year-end schedule for specific
branches and the Call Center, please visit
www.ngfcu.us or call 800-633-2848.
Monday through Friday
5:00 am - 6:00 pm Pacific
A Publication for Members of Northrop Grumman Federal Credit Union
NOVEMBER 2012
Visit us on the internet at www.ngfcu.us
First Mortgage Loans
Mortgage rates are at their lowest levels in decades.
Please take a look at the various programs the Credit
Union offers to purchase your home or refinance to lower
the payment or accelerate pay-off. For current rates, visit
www.firstmortgage411.us.
Save money now and into the future! With our low
closing costs, it is easy to get into the loan that works
best for you, whether a conforming fixed rate for 30 years, 20
years or 15 years; a 30-year Adjustable Rate Mortgage; or a
3/1, 5/1, or 7/1 Hybrid.
Add value to your home with a Northrop Grumman Federal
Credit Union mortgage loan. Call 800-633-2848 or visit us
online today at www.ngfcu.us to see how the Credit Union
can make owning a home a little more fulfilling.
CUAdvantage • 877.799.0784
for Low Rates
Buy or refinance with an NGFCU Auto Loan.
Rates as low as
1.99%
APR*
If your auto loan is slowing you down, our rates will
re-energize your savings. Our auto loans feature the
simplest financing with low money-saving rates.
Our experienced loan experts are at your service! Please
contact us for a pre-approval or to answer any questions
you may have.
MasterCard - Fee-free balance
transfers at 4.99% APR until the
transferred balances are repaid.
N O P R E PAYM E NT P E NALT Y | N O D O C U M E NTATI O N F E E
N O AP P LI CATI O N F E E – AP P LY AT ANY TI M E O N LI N E AT
W W W.N G F C U.U S O R CALL 800-633-2848
WO R RY-F R E E B I LL PAY – C O NVE N I E NTLY TR AN S F E R PAYM E NTS F RO M
YO U R N G F C U AC C O U NT TO MAK E YO U R PAYM E NT O N TI M E, EVE RY TI M E.
Box Number 47009
Gardena, CA 90247-6809
*Quoted rate is the lowest available variable rate with a guaranteed rate of 1.99% APR for the first 3 years of the loan term.
PRSRT STD
U.S. POSTAGE
PAID
CUADVANTAGE
The 4.99%APR Debt
MAKE IT SIMPLE TO SAVE FOR THE HOLIDAYS
WITH A HOLIDAY CLUB ACCOUNT FROM NGFCU
Let us help you establish a healthy budget for
the holiday shopping season. With a minimum
deposit of only $25, you can set up an
NGFCU Holiday Club account.
Simply make regular transfers of at least
$20 per month or $5 per week from your
Regular Share, Share Draft or Money
Market savings account. In early November,
your accumulated savings – except for $5,
which must remain in the account – will
automatically transfer into your Regular Share
account.
Sign up today by speaking with a friendly
NGFCU member service representative.
Consolidation Credit Card
holidays, apply for
and use a NGFCU
MasterCard. For a
limited time, you can
consolidate your other
high-rate balances to our
low-rate credit card for FREE, and get a 4.99% APR until
the transferred balance is repaid.
In addition to the special 4.99% balance transfer
promotion, the NGFCU MasterCard gives you the
opportunity to select one of three different money saving
Happy Holidays
and Happy New Year!
programs. Choose a great low rate, CURewards, or 1.5%
Your Northrop Grumman Federal Credit Union family
would like to extend to you warm wishes for Happy
Holidays! We look forward to serving you in 2013 and for
many years to come.
NGFCU MasterCard.
With access to nearly 30,000 surcharge-free ATMs, Northrop
Grumman Federal Credit Union keeps it easy to get your hands on
your cash.
Chairman, Supervisory Committee
Northrop Grumman Federal Credit Union
Box Number 3382
Gardena, CA 90247-7082
To find a surcharge-free ATM, complete one of these easy options:
• On the Web – Visit www.co-opnetwork.org to use the online ATM
Locator tool
• From your mobile phone – Download the new ATM Locator app
from the iPhone app store by visiting www.co-opnetwork.org
Did You
• Send a text – Text a street address, ZIP code, or “City State” to
692667 (MYCOOP)
Know
• From your GPS – Download the CO-OP Network ATM Locator
database to your GPS by visiting www.co-opnetwork.org
• Give them a call – Call 1-888-SITE-COOP
Please visit our website at www.ngfcu.us and click “Locations” to
connect to the CO-OP Network.
You can use your smart
phone to deposit checks.
cash rebate. Plus, members who travel abroad enjoy
surcharge-free currency conversions when they use their
Now you can use your Android phone, iPhone, or iPad
to deposit checks remotely to your NGFCU account!
Apply online at www.ngfcu.us or call 800-633-2848.
Fall in Love with Your Home,
Again and Again!
Turning your home into the home of your dreams may be easier
than you think. With the help of a Home Equity Line of Credit from
Northrop Grumman Federal Credit Union, you can repair, remodel
and rejuvenate your home without breaking your budget.
A $650 allowance toward closing costs
A low 3.50% APR variable, with a cap of 3% per year
and 6% for the life of the loan
nA low 4.50%APR fixed available on 60% of the
approved credit limit.
nTax deductibility for virtually every borrowing need*
nNo yearly “maintenance” fee
nNo prepayment penalty
n10-year draw period
nAnd more!
n
n
Fall in love with your home this season. Let us help you! Call
800-633-2848 or stop by the Credit Union for complete details.
*Check with your tax advisor for your individual tax situation.
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The Supervisory Committee has the responsibility to
continually review the functions of the Credit Union
to ensure that it is operating in the best interest of its
members. Any questions, suggestions or inquiries
should be directed to:
It’s easy to get your hands on cash!
Increase your purchasing
power during the
PROBLEMS? INQUIRIES?
How To Find A CO-OP Network
Surcharge-Free ATM Near You
www.ngfcu.us
Federally insured by NCUA.
Name
Account Number
To: Northrop Grumman Federal Credit Union
YES, I want to know more about these products/services:
mShare Draft (checking)
mTouchtone Phone Acct Mgmt
mTerm Savings Account
mVISA ATM/Check Card
mHoliday Club Account
mMoneyMaster Line of Credit
mIRA Accounts
mAuto Loan Pre-Approval mInternet Acct Mgmt mFirst Mortgage Loan
Attn: Call Center
mHome Equity Line of Credit
mAuto Locating Services
mDirect Deposit of Social Security
mDirect Deposit of Retirement
mNGFCU MasterCard
To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union
YES, I am interested in learning more about securing my own financial future. Please send me information on the following:
mRetirement Planning*
mLife Insurance
m401(k) Plan*
mProperty/Auto Insurance
Send this section to:
mMutual Funds*
mLong Term Care Insurance
Northrop Grumman FCU
mIRA Rollovers*
mMedicare Supplement
Box Number 47009
Gardena, CA 90247-6809
mReducing Taxes*
mDental/Vision Coverage
mCollege Funding*
* Securities offered through LPL Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through LPL Financial are not deposits in Northrop Grumman FCU, are not insured
by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.
www.ngfcu.us
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