money talks - Franklin Mint Federal Credit Union
Transcription
money talks - Franklin Mint Federal Credit Union
Fall.NL.9.00 9/13/00 1:48 PM Page 1 FMFCU Service Centers & ATM Locations Taylor Hospital Credit Union Branch/ATM East Chester Pike, Ridley Park, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Riddle Memorial Hospital Credit Union Branch/ATM U.S. Route One, Media, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Delaware County Memorial Hospital Credit Union Branch/ATM 501 N. Lansdowne Ave., Drexel Hill, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Fitzgerald Hospital Credit Union Branch/ATM Lansdowne & Bailey Roads, Darby, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Suburban Credit Union Branch/ATM 2701 DeKalb Pike, Norristown, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Widener University One University Place, Chester, PA Hours vary: Call 610-619-7000 for current hours. Additional FMFCU ATM Locations (as of August 31, 2000) B & S Deli, Chester, PA Boscov’s, Granite Run Mall (Lower level entrance near AMC theater), Media, PA Boscov’s, Plymouth Meeting Mall (Second floor entrance, across from Double Tree Hotel), Plymouth Meeting, PA Delaware County Community College, Media, PA MacDade Mall, Glenolden, PA Springfield Mall (Upper & lower levels), Springfield, PA Enterprise Building, West Chester, PA* Crozer Chester Community Hospital, Chester, PA * Restricted Access Mercy Hospital of Philadelphia Credit Union Branch/ATM 501 S. 54th St., Philadelphia, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Mercy Community Hospital Credit Union Branch/ATM 2000 Old West Chester Pike, Havertown, PA Mon./Thurs., 10 a.m.-12 p.m.; Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Swarthmore College Credit Union Branch/ATM 500 College Ave., Swarthmore, PA Hours: Mon., 9 a.m.-12 p.m. Tues.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 11 a.m.-12 p.m.) Studio Park Branch/ATM* 1200 Wilson Drive @ Studio Park, West Chester, PA Hours: Mon - Fri., 8 a.m.-5:30 p.m. FMFCU offices/branches will be closed for the following holidays: Columbus Day Monday, October 9th Thanksgiving Day Thursday, November 23rd Christmas Day Monday, December 25th New Year’s Day Monday, January 1st No more than three of the covered transfers or withdrawals may be by a check written by you and payable to third parties. See below which transfers and withdrawals are covered (and therefore counted toward the limit) and which are not covered. COVERED NON-COVERED Transfers and Withdrawals Transfers and Withdrawals Transfers or withdrawals made to another account if made by: • Preauthorized transfer • Automatic transfer • By telephone (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers to a third party, if made by: • Check • Draft • Debit card, or • Similar order and payable to third parties (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) E-mail Address [email protected] PAT (Premier Access Telephone) (610) 325-5100 / (800) 220-3193 † Mailing Address: Franklin Mint Federal Credit Union P.O. Box 1907 Media, PA 19063-8907 Telecommunication Device (TDD) for our hearing-impaired members (610) 325-9557 Web site www.fmfcu.org We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act This is a publication of Franklin Mint Federal Credit Union. Thank you for being a member of Franklin Mint Federal Credit Union F a Transfers from one account to another account if made by: • Mail • Messenger • ATM • In person Withdrawals to you from the account if made by: • Mail • Messenger • ATM • In person Withdrawals made by telephone via check mailed to the depositor. Their names were chosen randomly as part of FMFCU’s 30th Anniversary Loan and Certificate promotion! John Hamilton 610-459-6785 Transfers into the account l 2 0 0 0 IN THIS ISSUE… Thomas Fitzpatrick of Broomall, PA won a eMachine Personal Computer Does your current employer offer credit union membership as part of its benefits package? No? Call John Hamilton to find about how your company can become a sponsor . Why not share Your Credit Union with your co-workers? l Change the Way You Live ..........................................2 Letter from the Chairman & the President ..................2 FMFCU Awards Scholarship ......................................3 Is Your To Do List Too Long?......................................3 Auto Express Check ....................................................4 Go Platinum & Go First Class! ..................................4 Service Centers............................................................5 Limitations on Savings ....................................6 Congratulations to Contest Winners! ............6 Automatic payment transfers for the purpose of repaying loans (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers or withdrawals to a third party, if made by: • Preauthorized transfer • Automatic transfer • By telephone The Credit Union of Choice! Darrell Gallagher of West Chester, PA won a $500 Mobil Gas Card MONEY TALKS Here’s Your Key to Our Enterprise One-Day Only Car Sale Exclusively for FMFCU Members! • • • New Auto Rates 100% financing to qualified members Up to 60 months to repay When: Saturday, September 30, 2000 9 a.m. - 2 p.m. (rain or shine) Franklin Mint Federal Credit Union parking lot Where: 1974 Sproul Road, Broomall, PA 19008 (across from Lawrence Park Shopping Center) Other Important Information: Member Service Center (610) 325-5100 † Calls originating outside of Pennsylvania MONEY 5 .T.ALKS ... 610-325-5100 Franklin Center Credit Union Branch U.S. Route One, Franklin Center, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Franklin Mint, Aston Credit Union Branch 105 Commerce Drive, Aston, PA Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m. (Closed for lunch 12:45 p.m.-1:30 p.m.) Wed., 9 a.m.-12:45 p.m. University Technology Park 1450 Edgmont Ave., Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m. You, as a member, may make no more than six covered transfers or withdrawals per calendar month or statement cycle. Get a fast pre-approval today! Call (610) 325-5100 or visit our website at www.fmfcu.org. Presorted First-Class Mail U.S. Postage Franklin Mint Credit Union Branches/ATMs* Chester Credit Union Branch/ATM Marianne Craskey of Darby, PA won a $500 Mobil Gas Card PSB 92630 State & Olive Streets, Media, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. In your statement of accounts we have sent you information regarding Regulation D, a federal regulation that limits certain transactions of savings accounts. You may find the following chart useful in planning the transactions you do on a monthly basis. This information can also be found in your initial account disclosures. Congratulations to Our FMFCU 30th Anniversary Contest Winners! PAID Media Credit Union Branch/ATM 1974 Sproul Rd., Suite 100, Broomall, PA Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m. Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m. Sat., 9 a.m.-2 p.m. Limitations On Savings Deposits, Transfers and Withdrawals The Credit Union of Choice! Village at Painter’s Crossing, West Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m. Broomall Credit Union Branch/ATM 1974 Sproul Road, Suite 300 Broomall, PA 19008 Chadds Ford Credit Union Branch/ATM FMFCU delivering Speed, Service and Convenience for over 30 years! What’s new at www.fmfcu.org? Mortgage Center Looking for information on Mortgages? Now you can find all you need to know about Mortgages on FMFCU’s online Mortgage Center. Our new Mortgage Center was designed to help you make smart decisions on your next home purchase. The new site is equipped with information on Mortgage Loan Options, Mortgage Calculators and a glossary of common Mortgage Terms. But that’s not all! FMFCU provides you with applications, first time homebuyer information and credit reports all online! If you are in the market for a new home or refinancing an existing mortgage make sure to check out the new Mortgage Center at www.fmfcu.org! MasterCard® Account Access FMFCU now provides access to your MasterCard information online! View your account balance, payment information, available credit and a summary of your account transactions, all at www.fmfcu.org. All you need is your 16-digit card number, your 5-digit zip code and 3-digit card verification number from the back of your card. Click on Online Services then MasterCard Account Access and give it a try today! News Flash Want to be the first to hear about new products and services? Sign up for NEWS FLASH, FMFCU's online information link! What does this mean? It means you will be the first to know about upcoming promotions, new products and services, tips to make sure your getting the most out of your financial institution and what's happening here at FMFCU. We want NEWS FLASH to give you access to the information you want and need, so feel free to e-mail us anytime with suggestions for our next issue. As a member you can expect to receive NEWS FLASH twice a month via e-mail. If at any time you want to stop receiving NEWS FLASH follow the link at the bottom of the page and we will remove you from our list. COMING COMING SOON: SOON: FMFCU Online Auto Center 610-325-5100 Fall.NL.9.00 9/13/00 1:49 PM Page 4 Change the Way You Live With a Home Equity Loan or Home Equity Line of Credit from FMFCU, you can change the way you live in no time! Use the equity in your home to: • Consolidate your bills • Replace your old windows • Pay for college tuition • Expand your garage • Remodel a room • Buy a new SUV for the winter • Build an addition or deck • Plus, the interest may be tax deductible* With a Home Equity Loan, you get a low FIXED rate up to 15 years and low monthly payments. A Home Equity Line of Credit gives you a rate as low as Prime minus 1% APR** and the ability to tap into your credit whenever you need cash. Plus, you only pay interest on the amount you use. FMFCU is offering the lowest rates available and the fastest approvals possible. Act now for no application fee and 100% financing for qualified borrowers. How can you get your cash? Call 610/325-5100; fax to 610/325-9565; stop by your local branch or apply online at www.fmfcu.org Letter from the Chairman & the President Dear Members: The results are in from our bi-annual member survey. We are pleased to inform you that your Credit Union achieved Mary O. Kennedy John D. Unangst an 84% Member Chairman of the Board President & CEO Satisfaction rating! Plus, 90% of our members who consider us to be their primary financial institution rate their level of satisfaction as "very satisfied". Nationally, only 65% of members and 52% of non-members give their primary financial institution this satisfaction rating. ● ● APR=Annual Percentage Rate “FYI-Stats” (as of August 31, 2000) Total Assets: $207,000,000 Total Loans: $161,000,000 Membership: 43,444 Number of Branches: 17 Number of ATM Machines: 25 ENJOY UNLIMITED FREE TRANSACTIONS AND INQUIRIES AT FMFCU ATMs! MONEY 2 .T.ALKS ... Juggling the responsibilities of work, kids, school etc…is hard enough. Worrying about when you can make time to run to the Credit Union is too much. Take those extra trips off your To Do List with FMFCU's electronic services! Are you looking for a way to reduce the stress of purchasing a new car? Look no further! Franklin Mint Federal Credit Union can provide you with the easiest way to finance a car, the Auto Express Check. Premier Check Card — The ATM card that acts like a check! Financing a car has never been easier! If a generous credit line and a high level of personal service are what you’re looking for in a credit card, it’s time for you to Go Platinum! ● ● ● ● ● So you ask, what does this survey mean to FMFCU and you? What a great way to make the fall a season to remember! * Consult your tax advisor for details. Equal Housing Lender ** Prime –1% equity credit line requires a minimum external advance of $20,000 at the time the account is established. Go Platinum & Go First Class! Get a Low 3.9%APR! ● ● ● First, it means we have provided you with quality service, speed, and convenience and will continue to do so (we’ve been doing this for 30 years!); Second, you’ve given us feedback to help us be a better Credit Union for all of our members. We value your opinion and we encourage you to tell us your ideas, suggestions, and issues so that we can improve the way we do business for you; Third, many of you (66%) have made FMFCU your primary financial institution, meaning you utilize and are pleased with our 16 branch and 25 ATM locations, home banking and bill paying services, Premier Access Teller (PAT), direct deposit, credit cards, and more. Finally, 63% of our members indicate that dealing with FMFCU is substantially or somewhat better than banking at other financial institutions they use. It goes to show that our number one priority, MEMBER SATISFACTION, combined with service, speed, and convenience makes a great winning team. FMFCU is continuing to grow in the region and we plan to be there for you. Our branch network, internet website (www.fmfcu.org), products and other services will be expanding in the near future to meet your needs because you’ve asked for them. In addition, we are constantly seeking out and implementing new technology to streamline our operations so that you will have an even better experience at FMFCU. We’d like to thank those members who participated in the survey as your time and effort are much appreciated. Your opinion truly does count at FMFCU, so please never hesitate to let us know what we can do for you to make your Credit Union experience more enjoyable. Sincerely, Mary O. Kennedy Chairman of the Board John D. Unangst President & CEO P.S. If you haven’t considered using us on a regular basis like 66% of our members, the FMFCU staff would be more than happy to show you how and why we can be the financial institution/Credit Union of Choice for you and your family. To Do List too long? Auto Express Check — The easy way to finance your car! Is your ● No annual or monthly fees No interest charges because the money comes from your checking account Access up to six accounts on one card 24 hour access to your money at ATM and MasterCard® locations Up to $1,000 daily limit Unlimited transactions at FMFCU ATMs and MasterCard locations 12 Free transactions on non-FMFCU ATM machines monthly Premier Access Home Banking-Access your account 24 hours a day 7 days a week online! www.fmfcu.org ● No additional software is needed ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts ● Pay loans and MasterCards ● Transfer information to Quicken® or Microsoft Money® ● Receive quotes and track stocks Premier Access Bill Payer — Pay bills with a quick call or click of a mouse! ● ● ● ● ● No additional software is needed Send payments to almost anyone, anywhere Schedule recurring payments so you never have to worry again Money comes straight from your checking account Access 24 hours a day 7 days a week. Premier Access Telephone(PAT) — Your accounts are a phone call away! 610-325-5100 ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts effortlessly ● Monitor holiday, money market and vacation accounts any time of the year ● Pay loan and MasterCard accounts ● Obtain payoff information for loans without confusion ● Change your PIN with total security ● With each transaction you receive a confirmation number for your records Here is how it works: Direct Deposit & Payroll Deduction — Whether you want your entire check or a portion of your check to be deposited, setting it up is simple. ● ● ● Funds are deposited directly into your account Funds are available on the day of deposit (electronic payments only) Reduces or eliminates trips to the branch ● Talk to a Member Service Counselor to start taking advantage of these time saving services! Call 610-325-5100 today! FMFCU Awards Scholarship Money to Two Deserving Students! Susan Tieh of Wilmington, DE was one of the recipients of the scholarship award. Susan recently graduated from Brandywine High School and looks forward to her college career with Stanford University in California. Susan enjoys reading and writing, but is not sure what area of study she will pursue in the fall. Amanda DiNofia of Drexel Hill, PA received the other scholarship award. Amanda attended Archbishop Prendergast. She has just returned from a 2-week vacation abroad where she visited England, France, Germany and Switzerland. She plans to attend Ursinus College in Collegeville, PA this fall with a concentration in Biology. Congratulations to both of the scholarship winners. FMFCU wishes you much success in your future endeavors. 610-325-5100 MONEY TALKS . . . . . 33 One of the most exclusive benefits offered is Concierge Service. This benefit allows you to enjoy privileges during your hotel stay that other cardholders will not. Get limousine reservations, dining referral and reservations, golf course information, performance and special events information and reservations and much more! Once we receive your completed application, you will be notified of your application status within 24 hours of the next business day. The Approval ● Once you're approved, all you have to do is sign the paperwork and pick up your check. You can do this at any of our 16 conveniently located branches. If you would prefer, we may be able to mail you the documents. ● Each year, FMFCU accepts hundreds of essays in an effort to award 2 graduating high school students $1,000 in scholarship money. Each participating student was asked to write a scholarship essay. Every essay was turned in and reviewed by FMFCU’s Scholarship Committee. The two who were selected seemed to exemplify the true spirit of leadership, school spirit and academic excellence. Get exclusive privileges, such as Concierge Service to 1 million dollars in Travel Accident Insurance to 24-hour Preferred Customer Service, you’ll find that the privileges deliver first class treatment. The Application ● Simply know the maximum amount you would like to finance your vehicle for and get pre-approved. You have 3 easy ways to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at www.fmfcu.org. ● When you use your Platinum card to travel, you and your dependents are automatically covered for 1 million dollars should death or disability occur. Let Platinum take care of your travel troubles! When your application is approved your rate is locked in for 90 days. This gives you plenty of time to shop for your new car at your leisure, without worrying about the rates going up. Platinum also extends 24 hours, 7 days a week Preferred Customer Service. Obtain anything from general account information to fee inquiries. With the rates locked in and the check in your hand, you’re ready to go shopping! As a Platinum cardholder, you will also receive additional benefits, such as Master RoadAssist Roadside Service, Travel Assistance Services, MasterRental Insurance Coverage which helps you to save money when renting a car and more! The Shopping ● The Auto Express Check can be used at any car dealership you desire. After you have selected the car or truck and have agreed with the dealer on price, trade-in, rebate and other purchase details, just finish writing the check and present it to the dealer as payment. ● Not only does the Platinum card offer exceptional benefits, we’ll give you 3.9%APR for the first 6 months when you apply for the new card!* That’s right! You’ll receive 3.9%APR on balances transferred! That's a rate that can’t be beat! The dealer will take care of the rest. The Auto Express Check gives you the convenience of having your financing done before you shop. Not to mention, the peace-of-mind you get knowing you received a low interest rate with no hidden fees. Once you use the Auto Express Check you will never finance a car any other way! M I S S I O N S T Call 610-325-5100 today or log on to our web site at www.fmfcu.org to apply. * To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another financial institution. Or, receive 5.9%APR for the first 6 months without bringing over $2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The promotional rate of 5.9% is good only for purchases. After the promotional period, your rate will revert back to the prevailing rate, depending upon your credit worthiness. A T E M E N T To be the financial institution of choice for our members and potential members by providing high-quality, cost-effective financial services tailored to meet the needs and promote the well-being of our community. MONEY TALKS . . . . . 43 Fall.NL.9.00 9/13/00 1:49 PM Page 4 Change the Way You Live With a Home Equity Loan or Home Equity Line of Credit from FMFCU, you can change the way you live in no time! Use the equity in your home to: • Consolidate your bills • Replace your old windows • Pay for college tuition • Expand your garage • Remodel a room • Buy a new SUV for the winter • Build an addition or deck • Plus, the interest may be tax deductible* With a Home Equity Loan, you get a low FIXED rate up to 15 years and low monthly payments. A Home Equity Line of Credit gives you a rate as low as Prime minus 1% APR** and the ability to tap into your credit whenever you need cash. Plus, you only pay interest on the amount you use. FMFCU is offering the lowest rates available and the fastest approvals possible. Act now for no application fee and 100% financing for qualified borrowers. How can you get your cash? Call 610/325-5100; fax to 610/325-9565; stop by your local branch or apply online at www.fmfcu.org Letter from the Chairman & the President Dear Members: The results are in from our bi-annual member survey. We are pleased to inform you that your Credit Union achieved Mary O. Kennedy John D. Unangst an 84% Member Chairman of the Board President & CEO Satisfaction rating! Plus, 90% of our members who consider us to be their primary financial institution rate their level of satisfaction as "very satisfied". Nationally, only 65% of members and 52% of non-members give their primary financial institution this satisfaction rating. ● ● APR=Annual Percentage Rate “FYI-Stats” (as of August 31, 2000) Total Assets: $207,000,000 Total Loans: $161,000,000 Membership: 43,444 Number of Branches: 17 Number of ATM Machines: 25 ENJOY UNLIMITED FREE TRANSACTIONS AND INQUIRIES AT FMFCU ATMs! MONEY 2 .T.ALKS ... Juggling the responsibilities of work, kids, school etc…is hard enough. Worrying about when you can make time to run to the Credit Union is too much. Take those extra trips off your To Do List with FMFCU's electronic services! Are you looking for a way to reduce the stress of purchasing a new car? Look no further! Franklin Mint Federal Credit Union can provide you with the easiest way to finance a car, the Auto Express Check. Premier Check Card — The ATM card that acts like a check! Financing a car has never been easier! If a generous credit line and a high level of personal service are what you’re looking for in a credit card, it’s time for you to Go Platinum! ● ● ● ● ● So you ask, what does this survey mean to FMFCU and you? What a great way to make the fall a season to remember! * Consult your tax advisor for details. Equal Housing Lender ** Prime –1% equity credit line requires a minimum external advance of $20,000 at the time the account is established. Go Platinum & Go First Class! Get a Low 3.9%APR! ● ● ● First, it means we have provided you with quality service, speed, and convenience and will continue to do so (we’ve been doing this for 30 years!); Second, you’ve given us feedback to help us be a better Credit Union for all of our members. We value your opinion and we encourage you to tell us your ideas, suggestions, and issues so that we can improve the way we do business for you; Third, many of you (66%) have made FMFCU your primary financial institution, meaning you utilize and are pleased with our 16 branch and 25 ATM locations, home banking and bill paying services, Premier Access Teller (PAT), direct deposit, credit cards, and more. Finally, 63% of our members indicate that dealing with FMFCU is substantially or somewhat better than banking at other financial institutions they use. It goes to show that our number one priority, MEMBER SATISFACTION, combined with service, speed, and convenience makes a great winning team. FMFCU is continuing to grow in the region and we plan to be there for you. Our branch network, internet website (www.fmfcu.org), products and other services will be expanding in the near future to meet your needs because you’ve asked for them. In addition, we are constantly seeking out and implementing new technology to streamline our operations so that you will have an even better experience at FMFCU. We’d like to thank those members who participated in the survey as your time and effort are much appreciated. Your opinion truly does count at FMFCU, so please never hesitate to let us know what we can do for you to make your Credit Union experience more enjoyable. Sincerely, Mary O. Kennedy Chairman of the Board John D. Unangst President & CEO P.S. If you haven’t considered using us on a regular basis like 66% of our members, the FMFCU staff would be more than happy to show you how and why we can be the financial institution/Credit Union of Choice for you and your family. To Do List too long? Auto Express Check — The easy way to finance your car! Is your ● No annual or monthly fees No interest charges because the money comes from your checking account Access up to six accounts on one card 24 hour access to your money at ATM and MasterCard® locations Up to $1,000 daily limit Unlimited transactions at FMFCU ATMs and MasterCard locations 12 Free transactions on non-FMFCU ATM machines monthly Premier Access Home Banking-Access your account 24 hours a day 7 days a week online! www.fmfcu.org ● No additional software is needed ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts ● Pay loans and MasterCards ● Transfer information to Quicken® or Microsoft Money® ● Receive quotes and track stocks Premier Access Bill Payer — Pay bills with a quick call or click of a mouse! ● ● ● ● ● No additional software is needed Send payments to almost anyone, anywhere Schedule recurring payments so you never have to worry again Money comes straight from your checking account Access 24 hours a day 7 days a week. Premier Access Telephone(PAT) — Your accounts are a phone call away! 610-325-5100 ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts effortlessly ● Monitor holiday, money market and vacation accounts any time of the year ● Pay loan and MasterCard accounts ● Obtain payoff information for loans without confusion ● Change your PIN with total security ● With each transaction you receive a confirmation number for your records Here is how it works: Direct Deposit & Payroll Deduction — Whether you want your entire check or a portion of your check to be deposited, setting it up is simple. ● ● ● Funds are deposited directly into your account Funds are available on the day of deposit (electronic payments only) Reduces or eliminates trips to the branch ● Talk to a Member Service Counselor to start taking advantage of these time saving services! Call 610-325-5100 today! FMFCU Awards Scholarship Money to Two Deserving Students! Susan Tieh of Wilmington, DE was one of the recipients of the scholarship award. Susan recently graduated from Brandywine High School and looks forward to her college career with Stanford University in California. Susan enjoys reading and writing, but is not sure what area of study she will pursue in the fall. Amanda DiNofia of Drexel Hill, PA received the other scholarship award. Amanda attended Archbishop Prendergast. She has just returned from a 2-week vacation abroad where she visited England, France, Germany and Switzerland. She plans to attend Ursinus College in Collegeville, PA this fall with a concentration in Biology. Congratulations to both of the scholarship winners. FMFCU wishes you much success in your future endeavors. 610-325-5100 MONEY TALKS . . . . . 33 One of the most exclusive benefits offered is Concierge Service. This benefit allows you to enjoy privileges during your hotel stay that other cardholders will not. Get limousine reservations, dining referral and reservations, golf course information, performance and special events information and reservations and much more! Once we receive your completed application, you will be notified of your application status within 24 hours of the next business day. The Approval ● Once you're approved, all you have to do is sign the paperwork and pick up your check. You can do this at any of our 16 conveniently located branches. If you would prefer, we may be able to mail you the documents. ● Each year, FMFCU accepts hundreds of essays in an effort to award 2 graduating high school students $1,000 in scholarship money. Each participating student was asked to write a scholarship essay. Every essay was turned in and reviewed by FMFCU’s Scholarship Committee. The two who were selected seemed to exemplify the true spirit of leadership, school spirit and academic excellence. Get exclusive privileges, such as Concierge Service to 1 million dollars in Travel Accident Insurance to 24-hour Preferred Customer Service, you’ll find that the privileges deliver first class treatment. The Application ● Simply know the maximum amount you would like to finance your vehicle for and get pre-approved. You have 3 easy ways to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at www.fmfcu.org. ● When you use your Platinum card to travel, you and your dependents are automatically covered for 1 million dollars should death or disability occur. Let Platinum take care of your travel troubles! When your application is approved your rate is locked in for 90 days. This gives you plenty of time to shop for your new car at your leisure, without worrying about the rates going up. Platinum also extends 24 hours, 7 days a week Preferred Customer Service. Obtain anything from general account information to fee inquiries. With the rates locked in and the check in your hand, you’re ready to go shopping! As a Platinum cardholder, you will also receive additional benefits, such as Master RoadAssist Roadside Service, Travel Assistance Services, MasterRental Insurance Coverage which helps you to save money when renting a car and more! The Shopping ● The Auto Express Check can be used at any car dealership you desire. After you have selected the car or truck and have agreed with the dealer on price, trade-in, rebate and other purchase details, just finish writing the check and present it to the dealer as payment. ● Not only does the Platinum card offer exceptional benefits, we’ll give you 3.9%APR for the first 6 months when you apply for the new card!* That’s right! You’ll receive 3.9%APR on balances transferred! That's a rate that can’t be beat! The dealer will take care of the rest. The Auto Express Check gives you the convenience of having your financing done before you shop. Not to mention, the peace-of-mind you get knowing you received a low interest rate with no hidden fees. Once you use the Auto Express Check you will never finance a car any other way! M I S S I O N S T Call 610-325-5100 today or log on to our web site at www.fmfcu.org to apply. * To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another financial institution. Or, receive 5.9%APR for the first 6 months without bringing over $2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The promotional rate of 5.9% is good only for purchases. After the promotional period, your rate will revert back to the prevailing rate, depending upon your credit worthiness. A T E M E N T To be the financial institution of choice for our members and potential members by providing high-quality, cost-effective financial services tailored to meet the needs and promote the well-being of our community. MONEY TALKS . . . . . 43 Fall.NL.9.00 9/13/00 1:49 PM Page 4 Change the Way You Live With a Home Equity Loan or Home Equity Line of Credit from FMFCU, you can change the way you live in no time! Use the equity in your home to: • Consolidate your bills • Replace your old windows • Pay for college tuition • Expand your garage • Remodel a room • Buy a new SUV for the winter • Build an addition or deck • Plus, the interest may be tax deductible* With a Home Equity Loan, you get a low FIXED rate up to 15 years and low monthly payments. A Home Equity Line of Credit gives you a rate as low as Prime minus 1% APR** and the ability to tap into your credit whenever you need cash. Plus, you only pay interest on the amount you use. FMFCU is offering the lowest rates available and the fastest approvals possible. Act now for no application fee and 100% financing for qualified borrowers. How can you get your cash? Call 610/325-5100; fax to 610/325-9565; stop by your local branch or apply online at www.fmfcu.org Letter from the Chairman & the President Dear Members: The results are in from our bi-annual member survey. We are pleased to inform you that your Credit Union achieved Mary O. Kennedy John D. Unangst an 84% Member Chairman of the Board President & CEO Satisfaction rating! Plus, 90% of our members who consider us to be their primary financial institution rate their level of satisfaction as "very satisfied". Nationally, only 65% of members and 52% of non-members give their primary financial institution this satisfaction rating. ● ● APR=Annual Percentage Rate “FYI-Stats” (as of August 31, 2000) Total Assets: $207,000,000 Total Loans: $161,000,000 Membership: 43,444 Number of Branches: 17 Number of ATM Machines: 25 ENJOY UNLIMITED FREE TRANSACTIONS AND INQUIRIES AT FMFCU ATMs! MONEY 2 .T.ALKS ... Juggling the responsibilities of work, kids, school etc…is hard enough. Worrying about when you can make time to run to the Credit Union is too much. Take those extra trips off your To Do List with FMFCU's electronic services! Are you looking for a way to reduce the stress of purchasing a new car? Look no further! Franklin Mint Federal Credit Union can provide you with the easiest way to finance a car, the Auto Express Check. Premier Check Card — The ATM card that acts like a check! Financing a car has never been easier! If a generous credit line and a high level of personal service are what you’re looking for in a credit card, it’s time for you to Go Platinum! ● ● ● ● ● So you ask, what does this survey mean to FMFCU and you? What a great way to make the fall a season to remember! * Consult your tax advisor for details. Equal Housing Lender ** Prime –1% equity credit line requires a minimum external advance of $20,000 at the time the account is established. Go Platinum & Go First Class! Get a Low 3.9%APR! ● ● ● First, it means we have provided you with quality service, speed, and convenience and will continue to do so (we’ve been doing this for 30 years!); Second, you’ve given us feedback to help us be a better Credit Union for all of our members. We value your opinion and we encourage you to tell us your ideas, suggestions, and issues so that we can improve the way we do business for you; Third, many of you (66%) have made FMFCU your primary financial institution, meaning you utilize and are pleased with our 16 branch and 25 ATM locations, home banking and bill paying services, Premier Access Teller (PAT), direct deposit, credit cards, and more. Finally, 63% of our members indicate that dealing with FMFCU is substantially or somewhat better than banking at other financial institutions they use. It goes to show that our number one priority, MEMBER SATISFACTION, combined with service, speed, and convenience makes a great winning team. FMFCU is continuing to grow in the region and we plan to be there for you. Our branch network, internet website (www.fmfcu.org), products and other services will be expanding in the near future to meet your needs because you’ve asked for them. In addition, we are constantly seeking out and implementing new technology to streamline our operations so that you will have an even better experience at FMFCU. We’d like to thank those members who participated in the survey as your time and effort are much appreciated. Your opinion truly does count at FMFCU, so please never hesitate to let us know what we can do for you to make your Credit Union experience more enjoyable. Sincerely, Mary O. Kennedy Chairman of the Board John D. Unangst President & CEO P.S. If you haven’t considered using us on a regular basis like 66% of our members, the FMFCU staff would be more than happy to show you how and why we can be the financial institution/Credit Union of Choice for you and your family. To Do List too long? Auto Express Check — The easy way to finance your car! Is your ● No annual or monthly fees No interest charges because the money comes from your checking account Access up to six accounts on one card 24 hour access to your money at ATM and MasterCard® locations Up to $1,000 daily limit Unlimited transactions at FMFCU ATMs and MasterCard locations 12 Free transactions on non-FMFCU ATM machines monthly Premier Access Home Banking-Access your account 24 hours a day 7 days a week online! www.fmfcu.org ● No additional software is needed ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts ● Pay loans and MasterCards ● Transfer information to Quicken® or Microsoft Money® ● Receive quotes and track stocks Premier Access Bill Payer — Pay bills with a quick call or click of a mouse! ● ● ● ● ● No additional software is needed Send payments to almost anyone, anywhere Schedule recurring payments so you never have to worry again Money comes straight from your checking account Access 24 hours a day 7 days a week. Premier Access Telephone(PAT) — Your accounts are a phone call away! 610-325-5100 ● Check account balances, ATM transactions, deposits and checks ● Transfer money between related accounts effortlessly ● Monitor holiday, money market and vacation accounts any time of the year ● Pay loan and MasterCard accounts ● Obtain payoff information for loans without confusion ● Change your PIN with total security ● With each transaction you receive a confirmation number for your records Here is how it works: Direct Deposit & Payroll Deduction — Whether you want your entire check or a portion of your check to be deposited, setting it up is simple. ● ● ● Funds are deposited directly into your account Funds are available on the day of deposit (electronic payments only) Reduces or eliminates trips to the branch ● Talk to a Member Service Counselor to start taking advantage of these time saving services! Call 610-325-5100 today! FMFCU Awards Scholarship Money to Two Deserving Students! Susan Tieh of Wilmington, DE was one of the recipients of the scholarship award. Susan recently graduated from Brandywine High School and looks forward to her college career with Stanford University in California. Susan enjoys reading and writing, but is not sure what area of study she will pursue in the fall. Amanda DiNofia of Drexel Hill, PA received the other scholarship award. Amanda attended Archbishop Prendergast. She has just returned from a 2-week vacation abroad where she visited England, France, Germany and Switzerland. She plans to attend Ursinus College in Collegeville, PA this fall with a concentration in Biology. Congratulations to both of the scholarship winners. FMFCU wishes you much success in your future endeavors. 610-325-5100 MONEY TALKS . . . . . 33 One of the most exclusive benefits offered is Concierge Service. This benefit allows you to enjoy privileges during your hotel stay that other cardholders will not. Get limousine reservations, dining referral and reservations, golf course information, performance and special events information and reservations and much more! Once we receive your completed application, you will be notified of your application status within 24 hours of the next business day. The Approval ● Once you're approved, all you have to do is sign the paperwork and pick up your check. You can do this at any of our 16 conveniently located branches. If you would prefer, we may be able to mail you the documents. ● Each year, FMFCU accepts hundreds of essays in an effort to award 2 graduating high school students $1,000 in scholarship money. Each participating student was asked to write a scholarship essay. Every essay was turned in and reviewed by FMFCU’s Scholarship Committee. The two who were selected seemed to exemplify the true spirit of leadership, school spirit and academic excellence. Get exclusive privileges, such as Concierge Service to 1 million dollars in Travel Accident Insurance to 24-hour Preferred Customer Service, you’ll find that the privileges deliver first class treatment. The Application ● Simply know the maximum amount you would like to finance your vehicle for and get pre-approved. You have 3 easy ways to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at www.fmfcu.org. ● When you use your Platinum card to travel, you and your dependents are automatically covered for 1 million dollars should death or disability occur. Let Platinum take care of your travel troubles! When your application is approved your rate is locked in for 90 days. This gives you plenty of time to shop for your new car at your leisure, without worrying about the rates going up. Platinum also extends 24 hours, 7 days a week Preferred Customer Service. Obtain anything from general account information to fee inquiries. With the rates locked in and the check in your hand, you’re ready to go shopping! As a Platinum cardholder, you will also receive additional benefits, such as Master RoadAssist Roadside Service, Travel Assistance Services, MasterRental Insurance Coverage which helps you to save money when renting a car and more! The Shopping ● The Auto Express Check can be used at any car dealership you desire. After you have selected the car or truck and have agreed with the dealer on price, trade-in, rebate and other purchase details, just finish writing the check and present it to the dealer as payment. ● Not only does the Platinum card offer exceptional benefits, we’ll give you 3.9%APR for the first 6 months when you apply for the new card!* That’s right! You’ll receive 3.9%APR on balances transferred! That's a rate that can’t be beat! The dealer will take care of the rest. The Auto Express Check gives you the convenience of having your financing done before you shop. Not to mention, the peace-of-mind you get knowing you received a low interest rate with no hidden fees. Once you use the Auto Express Check you will never finance a car any other way! M I S S I O N S T Call 610-325-5100 today or log on to our web site at www.fmfcu.org to apply. * To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another financial institution. Or, receive 5.9%APR for the first 6 months without bringing over $2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The promotional rate of 5.9% is good only for purchases. After the promotional period, your rate will revert back to the prevailing rate, depending upon your credit worthiness. A T E M E N T To be the financial institution of choice for our members and potential members by providing high-quality, cost-effective financial services tailored to meet the needs and promote the well-being of our community. MONEY TALKS . . . . . 43 Fall.NL.9.00 9/13/00 1:48 PM Page 1 FMFCU Service Centers & ATM Locations Taylor Hospital Credit Union Branch/ATM East Chester Pike, Ridley Park, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Riddle Memorial Hospital Credit Union Branch/ATM U.S. Route One, Media, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Delaware County Memorial Hospital Credit Union Branch/ATM 501 N. Lansdowne Ave., Drexel Hill, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Fitzgerald Hospital Credit Union Branch/ATM Lansdowne & Bailey Roads, Darby, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Suburban Credit Union Branch/ATM 2701 DeKalb Pike, Norristown, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Widener University One University Place, Chester, PA Hours vary: Call 610-619-7000 for current hours. Additional FMFCU ATM Locations (as of August 31, 2000) B & S Deli, Chester, PA Boscov’s, Granite Run Mall (Lower level entrance near AMC theater), Media, PA Boscov’s, Plymouth Meeting Mall (Second floor entrance, across from Double Tree Hotel), Plymouth Meeting, PA Delaware County Community College, Media, PA MacDade Mall, Glenolden, PA Springfield Mall (Upper & lower levels), Springfield, PA Enterprise Building, West Chester, PA* Crozer Chester Community Hospital, Chester, PA * Restricted Access Mercy Hospital of Philadelphia Credit Union Branch/ATM 501 S. 54th St., Philadelphia, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Mercy Community Hospital Credit Union Branch/ATM 2000 Old West Chester Pike, Havertown, PA Mon./Thurs., 10 a.m.-12 p.m.; Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Swarthmore College Credit Union Branch/ATM 500 College Ave., Swarthmore, PA Hours: Mon., 9 a.m.-12 p.m. Tues.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 11 a.m.-12 p.m.) Studio Park Branch/ATM* 1200 Wilson Drive @ Studio Park, West Chester, PA Hours: Mon - Fri., 8 a.m.-5:30 p.m. FMFCU offices/branches will be closed for the following holidays: Columbus Day Monday, October 9th Thanksgiving Day Thursday, November 23rd Christmas Day Monday, December 25th New Year’s Day Monday, January 1st No more than three of the covered transfers or withdrawals may be by a check written by you and payable to third parties. See below which transfers and withdrawals are covered (and therefore counted toward the limit) and which are not covered. COVERED NON-COVERED Transfers and Withdrawals Transfers and Withdrawals Transfers or withdrawals made to another account if made by: • Preauthorized transfer • Automatic transfer • By telephone (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers to a third party, if made by: • Check • Draft • Debit card, or • Similar order and payable to third parties (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) E-mail Address [email protected] PAT (Premier Access Telephone) (610) 325-5100 / (800) 220-3193 † Mailing Address: Franklin Mint Federal Credit Union P.O. Box 1907 Media, PA 19063-8907 Telecommunication Device (TDD) for our hearing-impaired members (610) 325-9557 Web site www.fmfcu.org We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act This is a publication of Franklin Mint Federal Credit Union. Thank you for being a member of Franklin Mint Federal Credit Union F a Transfers from one account to another account if made by: • Mail • Messenger • ATM • In person Withdrawals to you from the account if made by: • Mail • Messenger • ATM • In person Withdrawals made by telephone via check mailed to the depositor. Their names were chosen randomly as part of FMFCU’s 30th Anniversary Loan and Certificate promotion! John Hamilton 610-459-6785 Transfers into the account l 2 0 0 0 IN THIS ISSUE… Thomas Fitzpatrick of Broomall, PA won a eMachine Personal Computer Does your current employer offer credit union membership as part of its benefits package? No? Call John Hamilton to find about how your company can become a sponsor . Why not share Your Credit Union with your co-workers? l Change the Way You Live ..........................................2 Letter from the Chairman & the President ..................2 FMFCU Awards Scholarship ......................................3 Is Your To Do List Too Long?......................................3 Auto Express Check ....................................................4 Go Platinum & Go First Class! ..................................4 Service Centers............................................................5 Limitations on Savings ....................................6 Congratulations to Contest Winners! ............6 Automatic payment transfers for the purpose of repaying loans (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers or withdrawals to a third party, if made by: • Preauthorized transfer • Automatic transfer • By telephone The Credit Union of Choice! Darrell Gallagher of West Chester, PA won a $500 Mobil Gas Card MONEY TALKS Here’s Your Key to Our Enterprise One-Day Only Car Sale Exclusively for FMFCU Members! • • • New Auto Rates 100% financing to qualified members Up to 60 months to repay When: Saturday, September 30, 2000 9 a.m. - 2 p.m. (rain or shine) Franklin Mint Federal Credit Union parking lot Where: 1974 Sproul Road, Broomall, PA 19008 (across from Lawrence Park Shopping Center) Other Important Information: Member Service Center (610) 325-5100 † Calls originating outside of Pennsylvania MONEY 5 .T.ALKS ... 610-325-5100 Franklin Center Credit Union Branch U.S. Route One, Franklin Center, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Franklin Mint, Aston Credit Union Branch 105 Commerce Drive, Aston, PA Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m. (Closed for lunch 12:45 p.m.-1:30 p.m.) Wed., 9 a.m.-12:45 p.m. University Technology Park 1450 Edgmont Ave., Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m. You, as a member, may make no more than six covered transfers or withdrawals per calendar month or statement cycle. Get a fast pre-approval today! Call (610) 325-5100 or visit our website at www.fmfcu.org. Presorted First-Class Mail U.S. Postage Franklin Mint Credit Union Branches/ATMs* Chester Credit Union Branch/ATM Marianne Craskey of Darby, PA won a $500 Mobil Gas Card PSB 92630 State & Olive Streets, Media, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. In your statement of accounts we have sent you information regarding Regulation D, a federal regulation that limits certain transactions of savings accounts. You may find the following chart useful in planning the transactions you do on a monthly basis. This information can also be found in your initial account disclosures. Congratulations to Our FMFCU 30th Anniversary Contest Winners! PAID Media Credit Union Branch/ATM 1974 Sproul Rd., Suite 100, Broomall, PA Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m. Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m. Sat., 9 a.m.-2 p.m. Limitations On Savings Deposits, Transfers and Withdrawals The Credit Union of Choice! Village at Painter’s Crossing, West Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m. Broomall Credit Union Branch/ATM 1974 Sproul Road, Suite 300 Broomall, PA 19008 Chadds Ford Credit Union Branch/ATM FMFCU delivering Speed, Service and Convenience for over 30 years! What’s new at www.fmfcu.org? Mortgage Center Looking for information on Mortgages? Now you can find all you need to know about Mortgages on FMFCU’s online Mortgage Center. Our new Mortgage Center was designed to help you make smart decisions on your next home purchase. The new site is equipped with information on Mortgage Loan Options, Mortgage Calculators and a glossary of common Mortgage Terms. But that’s not all! FMFCU provides you with applications, first time homebuyer information and credit reports all online! If you are in the market for a new home or refinancing an existing mortgage make sure to check out the new Mortgage Center at www.fmfcu.org! MasterCard® Account Access FMFCU now provides access to your MasterCard information online! View your account balance, payment information, available credit and a summary of your account transactions, all at www.fmfcu.org. All you need is your 16-digit card number, your 5-digit zip code and 3-digit card verification number from the back of your card. Click on Online Services then MasterCard Account Access and give it a try today! News Flash Want to be the first to hear about new products and services? Sign up for NEWS FLASH, FMFCU's online information link! What does this mean? It means you will be the first to know about upcoming promotions, new products and services, tips to make sure your getting the most out of your financial institution and what's happening here at FMFCU. We want NEWS FLASH to give you access to the information you want and need, so feel free to e-mail us anytime with suggestions for our next issue. As a member you can expect to receive NEWS FLASH twice a month via e-mail. If at any time you want to stop receiving NEWS FLASH follow the link at the bottom of the page and we will remove you from our list. COMING COMING SOON: SOON: FMFCU Online Auto Center 610-325-5100 Fall.NL.9.00 9/13/00 1:48 PM Page 1 FMFCU Service Centers & ATM Locations Taylor Hospital Credit Union Branch/ATM East Chester Pike, Ridley Park, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Riddle Memorial Hospital Credit Union Branch/ATM U.S. Route One, Media, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Delaware County Memorial Hospital Credit Union Branch/ATM 501 N. Lansdowne Ave., Drexel Hill, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Fitzgerald Hospital Credit Union Branch/ATM Lansdowne & Bailey Roads, Darby, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Mercy Suburban Credit Union Branch/ATM 2701 DeKalb Pike, Norristown, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Widener University One University Place, Chester, PA Hours vary: Call 610-619-7000 for current hours. Additional FMFCU ATM Locations (as of August 31, 2000) B & S Deli, Chester, PA Boscov’s, Granite Run Mall (Lower level entrance near AMC theater), Media, PA Boscov’s, Plymouth Meeting Mall (Second floor entrance, across from Double Tree Hotel), Plymouth Meeting, PA Delaware County Community College, Media, PA MacDade Mall, Glenolden, PA Springfield Mall (Upper & lower levels), Springfield, PA Enterprise Building, West Chester, PA* Crozer Chester Community Hospital, Chester, PA * Restricted Access Mercy Hospital of Philadelphia Credit Union Branch/ATM 501 S. 54th St., Philadelphia, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Mercy Community Hospital Credit Union Branch/ATM 2000 Old West Chester Pike, Havertown, PA Mon./Thurs., 10 a.m.-12 p.m.; Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 12:45 p.m.-1:30 p.m.) Swarthmore College Credit Union Branch/ATM 500 College Ave., Swarthmore, PA Hours: Mon., 9 a.m.-12 p.m. Tues.-Fri., 9 a.m.-3:30 p.m. (Closed for lunch, 11 a.m.-12 p.m.) Studio Park Branch/ATM* 1200 Wilson Drive @ Studio Park, West Chester, PA Hours: Mon - Fri., 8 a.m.-5:30 p.m. FMFCU offices/branches will be closed for the following holidays: Columbus Day Monday, October 9th Thanksgiving Day Thursday, November 23rd Christmas Day Monday, December 25th New Year’s Day Monday, January 1st No more than three of the covered transfers or withdrawals may be by a check written by you and payable to third parties. See below which transfers and withdrawals are covered (and therefore counted toward the limit) and which are not covered. COVERED NON-COVERED Transfers and Withdrawals Transfers and Withdrawals Transfers or withdrawals made to another account if made by: • Preauthorized transfer • Automatic transfer • By telephone (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers to a third party, if made by: • Check • Draft • Debit card, or • Similar order and payable to third parties (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) E-mail Address [email protected] PAT (Premier Access Telephone) (610) 325-5100 / (800) 220-3193 † Mailing Address: Franklin Mint Federal Credit Union P.O. Box 1907 Media, PA 19063-8907 Telecommunication Device (TDD) for our hearing-impaired members (610) 325-9557 Web site www.fmfcu.org We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act This is a publication of Franklin Mint Federal Credit Union. Thank you for being a member of Franklin Mint Federal Credit Union F a Transfers from one account to another account if made by: • Mail • Messenger • ATM • In person Withdrawals to you from the account if made by: • Mail • Messenger • ATM • In person Withdrawals made by telephone via check mailed to the depositor. Their names were chosen randomly as part of FMFCU’s 30th Anniversary Loan and Certificate promotion! John Hamilton 610-459-6785 Transfers into the account l 2 0 0 0 IN THIS ISSUE… Thomas Fitzpatrick of Broomall, PA won a eMachine Personal Computer Does your current employer offer credit union membership as part of its benefits package? No? Call John Hamilton to find about how your company can become a sponsor . Why not share Your Credit Union with your co-workers? l Change the Way You Live ..........................................2 Letter from the Chairman & the President ..................2 FMFCU Awards Scholarship ......................................3 Is Your To Do List Too Long?......................................3 Auto Express Check ....................................................4 Go Platinum & Go First Class! ..................................4 Service Centers............................................................5 Limitations on Savings ....................................6 Congratulations to Contest Winners! ............6 Automatic payment transfers for the purpose of repaying loans (including those transmitted from a home computer (Premier Access) and those automated using a touch-tone telephone (PAT) Transfers or withdrawals to a third party, if made by: • Preauthorized transfer • Automatic transfer • By telephone The Credit Union of Choice! Darrell Gallagher of West Chester, PA won a $500 Mobil Gas Card MONEY TALKS Here’s Your Key to Our Enterprise One-Day Only Car Sale Exclusively for FMFCU Members! • • • New Auto Rates 100% financing to qualified members Up to 60 months to repay When: Saturday, September 30, 2000 9 a.m. - 2 p.m. (rain or shine) Franklin Mint Federal Credit Union parking lot Where: 1974 Sproul Road, Broomall, PA 19008 (across from Lawrence Park Shopping Center) Other Important Information: Member Service Center (610) 325-5100 † Calls originating outside of Pennsylvania MONEY 5 .T.ALKS ... 610-325-5100 Franklin Center Credit Union Branch U.S. Route One, Franklin Center, PA Hours: Mon.-Fri., 9 a.m.-3:30 p.m. Franklin Mint, Aston Credit Union Branch 105 Commerce Drive, Aston, PA Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m. (Closed for lunch 12:45 p.m.-1:30 p.m.) Wed., 9 a.m.-12:45 p.m. University Technology Park 1450 Edgmont Ave., Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m. You, as a member, may make no more than six covered transfers or withdrawals per calendar month or statement cycle. Get a fast pre-approval today! Call (610) 325-5100 or visit our website at www.fmfcu.org. Presorted First-Class Mail U.S. Postage Franklin Mint Credit Union Branches/ATMs* Chester Credit Union Branch/ATM Marianne Craskey of Darby, PA won a $500 Mobil Gas Card PSB 92630 State & Olive Streets, Media, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. In your statement of accounts we have sent you information regarding Regulation D, a federal regulation that limits certain transactions of savings accounts. You may find the following chart useful in planning the transactions you do on a monthly basis. This information can also be found in your initial account disclosures. Congratulations to Our FMFCU 30th Anniversary Contest Winners! PAID Media Credit Union Branch/ATM 1974 Sproul Rd., Suite 100, Broomall, PA Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m. Sat., 9 a.m.-12 p.m. Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m. Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m. Sat., 9 a.m.-2 p.m. Limitations On Savings Deposits, Transfers and Withdrawals The Credit Union of Choice! Village at Painter’s Crossing, West Chester, PA Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m. Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m. Broomall Credit Union Branch/ATM 1974 Sproul Road, Suite 300 Broomall, PA 19008 Chadds Ford Credit Union Branch/ATM FMFCU delivering Speed, Service and Convenience for over 30 years! What’s new at www.fmfcu.org? Mortgage Center Looking for information on Mortgages? Now you can find all you need to know about Mortgages on FMFCU’s online Mortgage Center. Our new Mortgage Center was designed to help you make smart decisions on your next home purchase. The new site is equipped with information on Mortgage Loan Options, Mortgage Calculators and a glossary of common Mortgage Terms. But that’s not all! FMFCU provides you with applications, first time homebuyer information and credit reports all online! If you are in the market for a new home or refinancing an existing mortgage make sure to check out the new Mortgage Center at www.fmfcu.org! MasterCard® Account Access FMFCU now provides access to your MasterCard information online! View your account balance, payment information, available credit and a summary of your account transactions, all at www.fmfcu.org. All you need is your 16-digit card number, your 5-digit zip code and 3-digit card verification number from the back of your card. Click on Online Services then MasterCard Account Access and give it a try today! News Flash Want to be the first to hear about new products and services? Sign up for NEWS FLASH, FMFCU's online information link! What does this mean? It means you will be the first to know about upcoming promotions, new products and services, tips to make sure your getting the most out of your financial institution and what's happening here at FMFCU. We want NEWS FLASH to give you access to the information you want and need, so feel free to e-mail us anytime with suggestions for our next issue. As a member you can expect to receive NEWS FLASH twice a month via e-mail. If at any time you want to stop receiving NEWS FLASH follow the link at the bottom of the page and we will remove you from our list. COMING COMING SOON: SOON: FMFCU Online Auto Center 610-325-5100