newsletters - Professional Federal Credit Union

Dividends
January 2015
www.profedcu.org
Discover the Benefits of
ProFed Mortgages
If you’re looking at ways to save money,
you might not need to look any farther than
your own front door. While interest rates
for mortgages may be slightly higher than
historically low levels of a few years ago, you
still can find many opportunities for savings.
Whether you are in the market for a new
home, or you want to refinance your existing
mortgage, make sure ProFed is at the top
of your list when researching your home
financing options.
ProFed Mortgage Services gives you a variety
of options for buying and refinancing. Our
wide array of mortgage products helps ensure
you get affordable monthly payments to
fit your budget. ProFed offers conventional
fixed rate mortgages with several term
length choices.
Our 7/1 Adjustable Rate Mortgage product
gives you the security of a fixed rate period
for seven years at a competitive rate. After
the 7 year fixed period, the interest rate and
payment are subject to adjust annually, and
ProFed’s
Annual Meeting
Plan to attend
ProFed’s Annual
Meeting on Sunday,
March 15, 2015,
at 2 p.m.
This year’s meeting
will be held in the
lower level of the
Fort Wayne Main Branch, 1710 St. Joe
River Drive. Make your reservations by
calling 260-483-0514 ext. 6334 or
800-752-4613 ext. 6334. Refreshments
will be available and door prizes will be
awarded. There is no cost to attend this
event. Hurry, seating is limited.
may increase at that time. This product gives
you the advantage of a 30 year amortized
payment, but may offer more flexibility than
a conventional fixed rate product. ProFed also
offers FHA and USDA financing for members
looking to purchase a new home. Down
payment assistance and 97% financing may be
available for qualified first time home buyers.
With ProFed mortgages, you will enjoy
convenience and value. Our loans are serviced
in-house, so you always get your questions
answered by the credit union you know and
trust. Plus, you can take advantage of low
mortgage insurance premiums and low closing
costs when you finance with ProFed.
Explore lots of options on our mortgage
application web site. Check out rates and
terms. Then use one of several online
calculator programs to estimate your payment.
Start your application online at our secure site.
Simply create a new account using your e-mail
address. Visit www.profedcu.org and click on
Apply for a Mortgage.
Riley Hospital
for Children
Fundraiser
ProFed would like to thank members
and staff who helped raise more than
$20,000.00 for Riley Hospital for Children
in 2014. We would also like to thank the
many businesses that donated items for
silent auctions at our branches. Since 1999,
the employees and members of ProFed
have donated more than $270,000.00 to
Riley during the Credit Unions for Kids
campaigns. All proceeds will benefit Riley
Hospital for Children in Indianapolis.
ProFed
Scholarships
Are you, or someone in your family, off to
school next year? ProFed offers scholarships
for students entering or returning to college,
as well as scholarships for adults in the
workforce seeking additional training.
Donations from the Fort Wayne East Branch totaled
more than $1,800.00.
The Carroll R. Phillips Scholarship application
for high school seniors and the Robert A.
Weaver Scholarship application for college
and adult students, are available now on our
web site.
Four $1,000.00 Phillips Scholarships and
three $1,000.00 Weaver Scholarships will
be awarded. For eligibility information, visit
www.profedcu.org. Applications must be
postmarked by April 15, 2015.
The Fort Wayne Main Branch raised nearly $3,000.00
for Riley.
Increase Your Smartphone Security
If you have a smartphone, you know how versatile
it is. With all that information you have, what
happens if the phone is lost or stolen? How can
you protect yourself from loss or identity theft?
Lock Your Phone
All smartphones come with simple security
measures. Your first line of defense is the lock
screen. Depending on your operating system, this
lock can be a password, number combination, or a
swipe pattern. New smartphones may come with
built-in fingerprint recognition.
Research Security Applications
Research a security app before you buy or download it. Always purchase your apps directly from the app
stores. Apps can contain malware for your phone; loading apps from e-mails, texts, or any place other than
an official app store increases your risk of loading malware.
Check with Your Carrier
Mobile carriers offer remote wipe service in case your phone is lost or stolen. Through this option, all data is
permanently erased from the phone. Carriers and third-party security services may offer GPS trackers, remote
virus scans, or data backup for a fee. Data backup can be indispensable, especially if you have important files
on your phone.
Further Measures
Make sure to update your system whenever a security patch or upgrade becomes available. Be cautious when
accessing a new Wi-Fi connection. Free Wi-Fi can also be a hotspot for hackers. Whenever possible, use an
encrypted network that requires a password. To learn more on mobile safety, watch the video Play it Safe
with Portable Devices on www.profedcu.org, or read the full article on our blog.
Visit us online at
www.profed.org
Confidential Budget Counseling
Working on a new budget but not
sure how to start? Contact us for free,
confidential budget counseling. Visit
www.profedcu.org, or contact your
nearest branch.
Holiday Closings
Monday, January 19, 2015:
Martin Luther King, Jr. Day
Monday, February 16, 2015:
Presidents’ Day
Monday, May 25, 2015:
Memorial Day
Friday, July 3, 2015:
Independence Day (Observed)
Monday, September 7, 2015:
Labor Day
Monday, October 12, 2015:
Columbus Day
Wednesday, November 11, 2015:
Veterans Day
Thursday, November 26, 2015:
Thanksgiving Day
Thursday, December 24, 2015:
Christmas Eve (close at noon)
Thursday, December 31, 2015:
New Year’s Eve (close at noon)
Want help with
your investments?
Call 260-486-7989
or 800-468-1520
ProFed Eagles
Get the latest news on ProFed Eagles
events at www.profedcu.org. Just
click on ProFed Eagles Events under
Quick Links on the home page.
Friday, December 25, 2015:
Christmas Day
ProFed Financial Advisors
Members receive a
FREE, no-obligation
portfolio review!
Briefings
Friday, January 1, 2016:
New Year’s Day
Quick Tips
Whatever your financial needs or goals,
choose ProFed Financial Advisors
as your trusted source. We have financial
consultants well-versed in everything from
investing to retirement accounts, as well as
many other financial topics.
We look forward to meeting you. Call us today.
Mutual Funds*
Annuities*
Stocks & Bonds*
Retirement Accounts
403(b) - TSA
IRA Rollovers
Trust Management
Fee-based programs
•
Register your ProFed Visa®
Debit Card for ProFed Perks
inside Online Banking.
Earn cash rewards from
merchants when you shop
with your card.
•
Need to make a deposit after
hours? Try Mobile Deposit,
or visit select branches to
use our enhanced deposit
ATMs. Ask us for details.
260-483-0514 • 800-752-4613
*Securities and advisory services offered through Cetera Advisor
Networks LLC, member FINRA/SIPC. Cetera is under separate
ownership from any other named entity. Branch office located at
4315 Flagstaff Cove, Fort Wayne, IN 46815.
Advisory services offered through ProFed Financial Advisors, a
Registered Investment Advisor.
NOT NCUSIF INSURED
NOT A DEPOSIT
NO CREDIT UNION GUARANTEE
MAY LOSE VALUE
NOT INSURED BY ANY FEDERAL
GOVERNMENT AGENCY
Federally Insured by NCUA
© ProFed Federal Credit Union.
All Rights Reserved.