{

Free Member Seminars
facing investors today, and the timeless principles of
investing that can help to balance them.
Income Planning for Retirement
Tuesday, September 18, 6:00 pm
2609 Texas NE
Whether building wealth, retiring early, planning for
income or thinking about your legacy, this workshop will
help you address your retirement issues. Discover
available tax strategies, review portfolio analysis for
retirement and cover market volatility and planning.
Sponsored by Jerome Pfeffer, Investment Solutions Group,
Linsco/Private Ledger. Member NASD/SIPC.
During this educational session, we will discuss the fivestep investment plan:
•
Diversifying Across Asset Classes
•
Blending Growth and Value
•
Globalization
•
Rebalancing
•
Maximizing After-Tax Returns
A Publication for the Members of U.S. New Mexico Federal Credit Union
SEPTEMBER 2007
Presented by
Ken Fanning , Financial Advisor/Investment Adviser
Representative, Financial Network Investment Corporation,
Member SIPC.
2125 Wyoming Blvd., NE, Albuquerque, NM 87112
505-263-2291 [email protected]
The Wealth Strategies Approach
Five Steps to Building A More “Efficient” Portfolio
Wednesday September 26, 2007
12:00 noon to 1:00 pm or 6:00 pm to 7:00 pm
2609 Texas NE
Investments offered through Financial Network are not deposits, not insured by
NCUA or any other Government or regulating agency. Returns in such
investments may fluctuate and may lose value.
Sandwiches and soft drinks will be served
Effective portfolio construction is a critical part of
designing a long-term investment plan. Please join us for
an educational seminar addressing the risk/return choices
Hurry in to U.S.
Signature Loan Special Ends September 15!
• 9.75% APR*
*Rate may vary based on qualification.
Relationship Pricing discount does not apply.
Out of checks? Out of time?
Visit www.usnmfcu.org or call 1-800-355-8123 to reorder your checks. It’s easy and convenient.
The Golden Eagles Association’s annual picnic will be held at 11:30 am on Tuesday, September 18 at
Holiday Park. The park is located on Comanche, east of Juan Tabo. The Association will furnish chicken
and drinks. Members are asked to bring salads, vegetables or desserts to serve 6-8 people. NOTE: This is
a week earlier and will take the place of our regular meeting. There is no charge for members, and the
charge for guests is $5.00.
website: www.usnmfcu.org e-mail: [email protected]
A.P.R.
Terms
(2006-2008 model years)
5.75%
5 yrs
(2000–2005 model years)
5.75%
5 yrs
Used Vehicles
Extended terms available.
Rates may vary based on qualification.
Investment Rates
SHARE CERTIFICATE
AND IRA CERTIFICATE RATES
3 Months
6 Months
12 Months
18 Months
24 Months
36 Months
48 Months
60 Months
APY*
3.10 %
3.85 %
5.12 %**
4.35 %
4.50 %
4.40 %
4.50 %
5.20 %
Share Certificates require a minimum deposit of $1,000 and
are subject to a substantial penalty for early withdrawal.
INSURED INVESTMENT PLUS
$100 - $2,499
$2,500 - $9,999
$10,000 - $19,999
$20,000 - $49,999
$50,000 - $99,999
$100,000 & Up
505-342-8888
Toll-Free Number: 1-888-342-USNM
Branch Phone Numbers:
Osuna – 342-8862
Tennessee – 342-8701
Gold – 342-8501
Irving – 342-8601
Santa Ana – 342-8550
APY*
1.50 %
1.90 %
2.10 %
2.50 %
2.80 %
3.00 %
Fees & other conditions may reduce earnings.
*Annual Percentage Yield
Rates current as of 9/1/07
For a complete listing of loan and deposit rates, visit our website or
call 342-8888, ext. 23.
U.S New Mexico members — There are more than
125 ATMs in the Albuquerque area and over 200 in
New Mexico where you can use your Visa Check
Card or CU Anytime Card —
FOR FREE!
Look for either of these logos:
Introducing U.S. New Mexico’s
Student Visa Card
A credit card designed for full-time students
• No minimum income or co-signer required
• Choose from four card designs
• No annual fee
• 24/7 customer support and online account service
• Online Account Management
• Security Protection with Falcon Fraud Services
Pick up a free copy of The ATM Guide for U.S. New
Mexico Members at any U.S. New Mexico Branch
Department Extensions
*Annual Percentage Yield
**Minimum IRA Certificate Term
Rates current as of 9/1/07
{
Free ATMs All Over the Place!
Golden Eagles Picnic
VEHICLE LOANS
• Up to 36 Months
Call 342-8888, ext. 52
Registration is required prior to attending a seminar. To register,
visit our website, usnmfcu.org and click Member Education, or call 342-8910.
New Vehicles
• Up to $3,000
Operator ..........................................0
CU by Phone......................................1
Automated Services ............................2
Teller Transactions ..............................3
Member Services ................................4
Loan Services ....................................5
To Repeat These Options ......................6
Visa Check Card Lost/Stolen - 1-800-899-4047
Visa Credit Card Lost/Stolen - 1-800-325-3678
For Branch and Drive-up hours, visit our
website or call 342-8888, ext. 2.
The information in this EAGLE LETTER is as current
as possible. However, the Credit Union reserves
the right to change or delete any rates or services.
4
Call 342-8888, ext. 52
Your Credit Union in the Community
U.S. New Mexico Federal Credit Union was a proud sponsor of the
2007 American Cancer Society Relay for Life. With your help, and
the help of U.S. New Mexico employees, we raised over $11,500 for
research and cancer prevention.
This was U.S. New Mexico’s first time participating in the event, and
we were honored with the “Rookie of The Year” award. We would
like to thank Weck’s and Olive Garden Restaurants, Pro Image,
Smith’s Food Store and All About Trophies for donating food, T-shirts
and give-a-ways to support the USNMFCU walkers!
On behalf of the American Cancer Society and U.S. New Mexico
Federal Credit Union, thank you for your contributions and for
supporting cancer research.
We will be closed Monday, October 8, in observance of Columbus Day.
1
Free Financial Counseling with Balance
U.S. New Mexico Federal Credit Union is dedicated
to helping you realize your financial goals —
reducing your debt, saving for higher education,
buying your first home, or planning for retirement —
which is why we are excited to announce your
newest benefit of membership: BALANCE Financial
Fitness Program.
If bills have gotten out of hand, your counselor may
be able to arrange a Debt Management Plan.
BALANCE negotiates with creditors to reduce
interest and fees so you can pay your debt quickly
and efficiently. As a member of U.S. New Mexico,
the program's monthly administration fee of $20 is
waived.
Through BALANCE, you have access to free,
unbiased money management information and
assistance. All you have to do is make a toll-free
phone call.
To use the new program, simply call 888-456-2227.
Counselors are available Monday through Thursday,
5 am to 8 pm, Friday, 5 am to 5 pm, and Saturday,
8 am to 5 pm (PST), or visit www.balancepro.net for
more information.
BALANCE counselors can answer many of your
questions immediately — from how long an item
stays on your credit report to whether it's better to
lease or buy a car. For more complex issues, such as
debt elimination or budget development, an
appointment will be scheduled — giving you the
personal attention you need to meet your
objectives.
We recognize that money concerns have a serious
effect on your quality of life. Now, through our
newest partnership, you have access to the very
best professional guidance — so you can achieve
financial security faster than you ever thought
possible.
Credit Unions Shine in Online Consumer Study
Credit unions come out significantly ahead in
satisfaction measures — by eight percentage
points more than large banks and by 12
percentage points more than community banks —
in a study of online consumer banking habits.
Seventy-four percent of the respondents pay bills
through online sources. Of those:
The 2007 ForeSee Results and Forbes.com Online
Banking Study of 900 consumers, including some
who do and do not use online banking, compare
customer satisfaction at large national banks,
community banks, and credit unions.
• 15% use independent bill payment services
Overall, online bill payers are 7% more satisfied
than consumers who bank online but do not pay
bills online. Online bill payers are also:
• 21% more likely to use the financial institution's
website as their primary channel
• 31% more likely to purchase other services
from the institution, and
• 9% more likely to recommend the financial
institution to others
The more bills you pay online, the happier you
might be with your financial institution.
Satisfaction figures rise for those study
respondents who pay multiple bills online.
• 43% pay online at the service provider's
website (utility or phone company, for
example)
•
•
•
•
•
•
Garcia Automotive Group (Honda, Infiniti, KIA,
Mazda, Mitsubishi, Saab & Subaru Dealerships)
Quality (Jeep, Chrysler, Pontiac, Buick &
GMC Dealerships)
Karl Malone Superstore
Larry H. Miller Hyundai & Used Car Supermarket
Houston Wholesale
CU Auto Sales
Thanks to all of the Kirby Kangaroo members
who sent in their drawings or stories for the
summer contest. They were all great and very
fun to view. Congratulations to our Grand Prize
winners: In the 0-7 age group, Eliana Ward; in
the 8-12 age group we had a tie,
Faith and Taylor O’Connell.
All of our Grand Prize
winners received two
movie passes ($20 value),
four IT’Z gift cards ($20
value), and two Dion’s
gift certificates ($10
value). Remember,
you can’t win if you
don’t enter. For
more information
about the Kirby
Kangaroo Savings
Club, or to join
in on the fun, call
342-8888, ext. 8910.
First Home Game is
September 8
Still resisting online banking and bill payment? The
research indicates that security concerns inhibit
some consumers from adopting online financial
services. The truth is, conducting business online
gives you many more opportunities to monitor
your accounts and confirm that all is well. The
study showed that those using online services are
“quite satisfied” with their financial institution‘s
privacy, and are more satisfied than in past
surveys. These customers like the control that
online banking offers:
Lobo Football season tickets
are now on sale! With 43
returning lettermen, 20
returning starters and 32 players
from the state of New Mexico, 2007 looks to
be another exciting year at University Stadium
as the Lobos look for their fifth bowl game in
six years. Head coach Rocky Long and his
team will host six exciting home games this
year against in-state rival New Mexico State,
as well as Sacramento State, BYU, Air Force,
Colorado State and UNLV.
• 81% use the website to transfer funds
U.S. New Mexico has a limited number of
season tickets available to members at a
special discounted price of $75. $75 is well
below the normal price for these tickets, so
they won’t last long. Call 342-8832 to
reserve yours.
• 44% use the website to order checks and
to engage in other self-service features
If you're ready to check us out online, visit us at
usnmfcu.org. You’ll find convenience, security,
flexibility and service — at your fingertips.
Credit Builder Credit Card
Buying a Car for the First Time?
U.S. New Mexico has negotiated a special offer
through the following dealerships:
Kirby Kangaroo
Summer Contest Winners
•
No cosigner required
Minimum of $1,500 monthly income
1 year on job
Borrow up to $15,000
Interest rates as low
as 14.9%*
Terms of up to 5 years
* Derogatory credit history may result
in disqualification. Rate may vary based
on qualification.
2
Our young adult members, ages 18 to 25,
received their first issue of brass magazine in
August. U.S. New Mexico is providing
complimentary copies of brass to our young
adult members as a resource on making,
managing, and multiplying money. So what is
brass?
brass is about young adults, money, and how
it affects your life. A quarterly magazine
published in February, May, August, and
November, brass is made up of content
produced by young writers, photographers,
and graphic designers — just like you. brass
doesn’t talk at you. “We see you eye to eye.”
brass‘ goal is to provide direct, intelligent,
entertaining content to young adults about
the money side of life. From planning your
retirement to throwing cheap parties, brass
looks at your young adult life and how you
handle money.
Like brass, U.S. New Mexico wants to convey
to you the importance of understanding how
money works. For your dreams to come true,
you need to know how money and your life
interact. We
are committed
to helping
you meet
your financial
challenges and
reaching your
dreams.
Thank you for
being a member
of U.S. New Mexico. We hope you enjoy
brass. Visit brass online at usnmfcu.org, then
click on the “Connect to brass” icon.
Relax — Welcome Home
You might not know it from the daily news,
but this is a good time to apply for a
home loan.
The bad news headlines about mortgages
mostly tell about homeowners who made risky
mortgages with other lenders — lenders who
want a loan on the books even if it’s a bad
deal for you.
The Credit Builder will help establish and build
your credit.
We don’t operate that way. You’re a
member, a part owner of the Credit Union.
It’s important to us that you can live with
your loan.
• Credit limit of $300 - $1,000
• 18% APR – Qualify for a reduced rate after one
year of good payment history
Rates are still low and payments can be
manageable. A Credit Union loan officer
can explain your options, so your payment
is one you truly can live with.
To apply, call 342-8888, ext. 52.
Call us today to start your home
loan process.
* Existing credit score and/or derogatory credit
history may affect qualification.
And then relax — welcome home.
No credit history? No problem.
•
•
•
•
•
brass
3