60 Years of Service to Members - Hershey Federal Credit · PDF fileone purpose in mindservice...
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Door Prizes! Office Notes Page 4 Holiday VISA Gift Cards Now Available Page 2 HFCU In the Community Page 3 A Publication for the Members of Hershey Federal Credit Union 60 Years Strong Page 3 Investment/Retirement Services Update Page 2 Vol. 25 No. 4 FALL 2009 FALL 2009 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org WHAT’S INSIDE * Loan Specials for two days only, October 15-16; APR (Annual Percentage Rate); rates may vary and are based on credit worthiness and an automatic payment from an HFCU account. Apply at www.hersheyfcu.org or call 533-9174. 60 Years of Service to Members Celebrate HFCU’s 60 th Anniversary and International Credit Union Day October 15-16, All HFCU Locations 1.00% Discount on 60-Month Vehicle & Home Equity Loans! 6.00% APR 6-Month Signature Loans! 9.99% APR 60-Month Signature Loans! FREE 60th Anniversary Gift For Every Attending Member! Join in the celebration on October 15th - 16th for HFCU’s 60 th Anniversary and International Credit Union Day. Take advantage of some amazing loan specials, free food, and prizes for all who attend the two day event! Hershey Federal Credit Union was established in 1949. Over the years, the credit union has grown and become a financial services leader in the Hershey/ Hummelstown/Lebanon area. This success was achieved through dedicated guidance from the HFCU Board of Directors, and while the people serving on the board have changed over the years, the dedication has not. These honest, caring volunteers have led the credit union with one purpose in mind…service to the members. From the humble beginnings in 1949, HFCU has grown to an organization with three branches and nearly $50 million in assets. Through the years, HFCU has continued to serve members with friendly employees and convenient services. The mission statement reads HFCU “exists to serve its members”. That means that everything is done with members’ best interest in mind. A for-profit bank cannot make that claim, since profits go to stockholders, not to the people who use their services. That is the credit union difference! Thank you, loyal HFCU members. Please join us in our 60th anniversary celebration. And make sure you spread the word about HFCU to your neighbors, friends, co-workers, and family. HFCU will be around for many more years and plans to grow and find ways to serve its members even better. Free Food!
Transcript of 60 Years of Service to Members - Hershey Federal Credit · PDF fileone purpose in mindservice...
DoorPrizes!
Office NotesPage 4
Holiday VISA Gift CardsNow Available
Page 2
HFCUIn the Community
Page 3
A Publication for the Members of Hershey Federal Credit Union
60 Years StrongPage 3
Investment/RetirementServices Update
Page 2
Vol. 25 No. 4 FALL 2009
FALL 2009 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org
WHAT’S INSIDE
* Loan Specials for two days only, October 15-16; APR (Annual Percentage Rate); rates may vary and are based on credit worthiness and an automatic payment from an HFCU account. Apply at www.hersheyfcu.org or call 533-9174.
60 Years of Service to Members
Celebrate HFCU’s 60th Anniversary and International Credit Union Day
October 15-16, All HFCU Locations
1.00% Discount on
60-Month Vehicle & Home Equity Loans!
6.00% APR
6-MonthSignature
Loans!
9.99%APR
60-MonthSignature
Loans!
FREE60th Anniversary
Gift For Every Attending Member!
Join in the celebration on October 15th - 16th for HFCU’s 60th Anniversary and International Credit Union Day. Take advantage of some amazing loan specials, free food, and prizes for all who attend the two day event!
Hershey Federal Credit Union was established in 1949. Over the years, the credit union has grown and become a financial services leader in the Hershey/Hummelstown/Lebanon area. This success was
achieved through dedicated guidance from the HFCU Board of Directors, and while the people serving on the board have changed over the years, the dedication has not. These honest, caring volunteers have led the credit union with one purpose in mind…service to the members.
From the humble beginnings in 1949, HFCU has grown to an organization with three branches
and nearly $50 million in assets. Through the years, HFCU has continued to serve members with friendly employees and convenient services. The mission statement reads HFCU “exists to serve its members”. That means that everything is done with members’ best interest in mind. A for-profit bank cannot make that claim, since profits go to stockholders, not to the people who use their services. That is the credit union difference!
Thank you, loyal HFCU members. Please join us in our 60th anniversary celebration. And make sure you spread the word about HFCU to your neighbors, friends, co-workers, and family. HFCU will be around for many more years and plans to grow and find ways to serve its members even better.
FreeFood!
Vehicle Loans APR* NewVehicle Aslowas4.74% UsedVehicle Aslowas4.74%
Home Equity Loans APR*
5YrFixed 4.99% 10YrFixed5.99% 15YrFixed 6.49%
Other Loans APR*
Signature Aslowas8.90%HFCUVisa® Aslowas8.90%HELOC Aslowas4.00%HomeMortgages Callforaquote
Certificates APY**
6Months 1.20% 12Months 1.40% 18Months 1.75% 24Months 1.70% 36Months 2.10% 48Months 2.40% 60Months 2.65%
Money Market APY**
$2,500-$9,999.99 .60%$10,000-$24,999.99 .70%$25,000-$99,999.99 1.00%$100,000andabove 1.15%
All rates as of September 25, 2009. For a listing of all HFCU Rates, visit HFCU at www.hersheyfcu.org or call an HFCU office. *Annual Percentage Rate (APR) is best rate available for loans. Actual rates may vary and are based on credit worthiness and an automatic payment from an HFCU share draft or savings account. Certain restrictions apply. ** Annual Percentage Yield (APY) is the rate you earn on investments.All rates are subject to change without notice. See website for up-to-date rate listings.
PAGE 2 - FALL 2009 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org
Important Information About Direct Deposits & Withdrawals
(Provisional Payment Disclosure):
Credit given by Hershey Federal Credit Union to you with respect to an automated clearing house credit entry is provisional until Hershey Federal Credit Union receives final settlement for such entry through a Federal Reserve Bank. If Hershey Federal Credit Union does not receive such final settlement, you are hereby notified and agree that Hershey Federal Credit Union is entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.
(Notice Disclosure):
Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, Hershey Federal Credit Union is not required to give next day notice to you of receipt of an ACH item and Hershey Federal Credit Union will not do so. However, Hershey Federal Credit Union will continue to notify you of the receipt of payment in the periodic statement we provide to you.
(Choice of Law Disclosure):
Hershey Federal Credit Union may accept on your behalf payments to your account which has been transmitted through one or more Automated Clearing House (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Pennsylvania as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.
LOAN RATES INVESTMENT RATES
HFCU Rate Chart
Work With Someone You TrustIs your retirement money invested properly?
Will you have enough income in retirement?
How will you pay for a child’s or grandchild’s education?
Financially, what would happen to your family if you died?
How will you pay for long-term care?
Contact Eric today to schedule an appointment.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.
#1435-P1571F(0605).
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Investment & Retirement Services
Eric S. PasquiniFinancial Services RepresentativeOffice: 717.533.9174 ext. [email protected]
Holiday VISA® GiftCards Available
The holiday season is rapidly approaching and your gift list isn’t getting any shorter. Take the stress out of holiday shopping with a VISA® gift card from HFCU! There is a $2.00 change for each gift card, unless you are a member of the HFCU senior program (Freedom Plus) or the youth program (limit 10 per member). Gift cards can be valued from $10 to $500 and can be used anywhere VISA® is accepted. Get one today at any HFCU location and give the gift that will never be returned!
HFCU In the Community HFCU’s $1,000 scholarship winner, Jared Borell, received a certificate of appreciation from HFCU Board of Directors Chairman, Richard Miller, and HFCU President/CEO, Diana Roberts (left). Borell began his first semester at Gwynedd Mercy College this fall. Look for HFCU in the 62nd Annual Hershey Halloween Parade. This year the parade will take place on Tuesday, October 27, with a rain date of Wednesday, October 28.
PAGE 3 - FALL 2009 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org
60 Years Strong, 60 Reasons WhyHFCU......is a member-owned financial institution...membership is available to anyone who lives, works, worships or attends school in Dauphin or Lebanon Counties...has fewer/lower account fees than most local banks and credit unions
...offers FREE, no-surcharge 24-hour ATMs at all locations, plus two Hershey Company sites...offers retirement and financial investment services for members...offers loan applications on-line, over the phone, or in person...gives back to the community with sponsorships and donations
View the full list of 60 reasons at www.hersheyfcu.org/60reasons
D. Darrell WoomerJanuary
Linda JonesFebruary
Laci HartmanMarch
Amber HigginsApril
Bruce HummelMay
Matt & Jennifer LerchJune
Tim & Pam SmithJuly
James & Julie JosephAugust
HFCU Members of the Month Congratulations to the following winners of HFCU’s Member of the Month Award! HFCU is celebrating the 60 year anniversary by giving one lucky member a chance to tell their story about why they love HFCU! There is still time to submit your story and application for one of the final months in 2009! Each winner receives $250 and their story published on HFCU’s website. To see each story and to submit your own application, visit www.hersheyfcu.org and click on the Member of the Month link.
Streamlining your finances is a good idea anytime but it’s even more important when living on a tight monthly budget. One great way to save money and time is with free, Online Bill Payer and FinanceWorks™ (powered by Quicken®).
With Online Bill Payer:You’ll save over $50 a year on stamps if you pay 10 bills a month online.You won’t have to pay for checks, envelopes and trips to the post-office as often.There are better odds of avoiding late fees, higher interest rates, and credit score dings. Your money gets there faster and has an on-time guarantee. You can even have the same amount sent to a business or individual automatically each month.
With FinanceWorks™
This is an easy-to-use tool designed to help you manage ALL of your everyday finances.Not only can you see your HFCU accounts, but you can easily link to other accounts at over 5,000 different institutions including investment accounts, credit cards, and loan accounts.You get a complete financial picture, showing where you’re spending your money, and how much you have to spend until your next paycheck.
To get started, visit www.hersheyfcu.org, log on to Internet Branch and click on either the Bill Payer icon or the FinanceWorks icon at the top of the screen. Save time and money, and work towards a more comfortable financial future!
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Living On a Tight Budget?
YOURPICTURE
HERE
Member of the MonthOctober
Main Office232 Hershey Road • Hummelstown, PA 17036Phone: 717-533-9174 • FAX: 717-583-5234
Toll Free: 800-832-4328E-mail: [email protected] Site: www.hersheyfcu.org
LOBBY/DRIVE-UP HOURSMon. - Wed: 9 AM - 5 PM
Thurs: 8 AM - 5 PM Fri: 8 AM - 6 PMSat: 9 AM - 1 PM
Hershey Branch904 E. Chocolate Ave. • Hershey, PA 17033-1215
FAX: 717-533-5241
LOBBY/DRIVE-UP HOURSMon, Tues, Thurs: 9 AM - 5 PM Wed: 9:30 AM - 5 PM
Fri: 8 AM - 6 PM Sat: 9 AM - 12 PM
Cleona Branch475-B West Penn Avenue • Cleona, PA 17042
Fax: 717-272-2600
LOBBY HOURSMon: 9 AM - 5 PM
Tues. - Thur: 10 AM - 5 PMFri: 9 AM - 6 PM Sat. – 9 AM - 12 PM
MERLIN - Telephone Access Service800-432-3207 • 717-533-9174
717-272-6400
HFCU Investment & Retirement Services717-533-9174 ext. 410
Holiday ClosingsHFCU offices will be closed for the following holidays. But remember...you can use HFCU automated services, 24-hours per day, 365-days per year!
Columbus Day - Monday, October 12 • Christmas Day - Friday, December 25Veterans Day - Wednesday, November 11 • New Years Day - Friday, January 1Thanksgiving Day - Thursday, November 26
Important ReminderAll HFCU offices will be opening at 11:00 AM on Wednesday, December 16 due to a staff meeting. HFCU will also be closing at 2:00 PM on Christmas Eve and New Years Eve (December 24 and December 31).
HFCU In-ServiceAll HFCU offices will be closed on Wednesday, November 11 to observe Veterans Day. However, HFCU employees will be taking part in an in-service training day. They will be involved with important training and team-building exercises during the day and learning how to provide improved member service.
2010 Entertainment Books Now On Sale!HFCU has Entertainment Books on sale now at all branch locations for $30. Entertainment Books make a perfect gift, with savings up to 50% on local restaurants, shopping, sporting events, movie tickets, museums, and much more! Funds from the book sales will benefit Ronald McDonald House Charities of Central Pennsylvania.
Fee Schedule ChangeEffective 11/2/09 the new Bill Payer Stop Payment fee will be $20.
Hurry! Visa Balance Transfer Promotion Ending SOON!After October 31, HFCU’s 6.90% APR balance transfer promotion will come to an end, so apply for an HFCU Platinum or Classic Visa card today. Transfer a balance from a high-interest credit card, and you only play 6.90% APR for the life of the balance! After that, enjoy a fixed interest rate as low as 8.90% APR, no balance transfer fees, plus earn rewards points for travel and many other great items! Visit www.hersheyfcu.org or call 717.533.9174 and apply today!
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232 Hershey RoadHummelstown, PA 17036
OFFICE NOTES PRST STD U.S. POSTAGE PAID HERSHEY, PA PERMIT NO. 50
