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					     Locations & Hours
   Chesterfield Courthouse
 Chesterfield Government Complex
      6737 Public Safety Way
      Chesterfield, VA 23832
           Lobby Hours
 Mon-Thur          9:00am-5:00pm
                                                                     P.O. Box 820
 Friday            9:00am-5:30pm                                Chesterfield, VA 23832
          Drive-Up Hours
 Mon-Fri           9:00am-5:30pm
 County Paydays    8:30am-5:30pm                   www.chesterfieldfcu.net
           Brandermill
  Market Square Shopping Center
    4900 E. Millridge Parkway                                   IN THIS ISSUE…                                                                                                          Volume 26, Number 105
      Midlothian, VA 23112                                                                                                                                                                  Summer 2011
          Lobby Hours
                                                 Hot Auto Loan Rates As
Mon-Fri
Saturday
                  10:00am-6:00pm
                 9:00am –12:00pm                   Low As 1.86% APR
                                                                                                                                                                                 News For Members of Chesterfield Federal Credit Union
         Drive-Up Hours
Mon-Fri           10:00am-6:00pm
Saturday         9:00am –12:00pm
                                                              Free Shred Day For
      Midlothian Village                                           Members
Midlothian Station Shopping Center
    13601 Midlothian Turnpike
      Midlothian, VA 23113                         Free Rewards Checking
          Lobby Hours
Mon-Fri             9:00am-5:00pm
Saturday          9:00am-12:00pm                               Adult Scholarships
         Drive-Up Hours
                                                                   Available
Mon-Fri
Saturday
                    9:00am-5:30pm
                  9:00am-12:00pm                                                                                                                                                  Auto Loans
                                                                                                                                                                                                                                                                                 % APR*
                                                                                                                                                                                                                         1.86
                                                  Your savings federally insured to at least $250,000
                                         and backed by the full faith and credit of the United States Government




 Nationwide Shared Branch Access
                                                NCUA
                                            National Credit Union Administration, a U.S. Government Agency


       Over 4,350 Locations
   Search for one near you, get
   directions and print a map at
  chesterfieldfcu.net/branch.html    FirstChoice Member Newsletter
                                     Page 4




                                                                                                                    Emerald
Surcharge-Free ATM Locations


   Nationwide Free ATM Access
                                                                                                                                                                                  Vacation Lines of Credit
                                                                                                                                                                                                                                                                                       % APR*
       Over 45,000 Locations




                                                                                                                                                                                                                         8.86
   Search for one near you, get
   directions and print a map at
   chesterfieldfcu.net/atm.html



                                         Discover the best credit                                                               Transfer a balance from
                                           card in Richmond!                                                                   7/27/2011 - 9/26/2011 and
      Net24 Home Banking
     www.chesterfieldfcu.net
                                     •
                                     •
                                                No Annual Fee
                                                3.9% Introductory APR* on                                                    you’ll receive a special rate of                     Visa Emerald Balance Transfers
                                                                                                                                                                                                                                                                                 % APR*
    Mobile24 Mobile Banking
                                                Purchases for Six Months
                                                                                                                             only 1.86% APR until July 2012
    mobile.chesterfieldfcu.net




                                                                                                                                                                                                                         1.86
    Dial24 Telephone Banking         •          No Balance Transfer Fees
       Local: 804-748-1417
                                     •          Earn CURewards Points on
     Toll-Free: 877-748-CFCU
      Report Visa Lost/Stolen                   Purchases and Redeem for Travel,                                              with no balance transfer fee!
          800-449-7728                          Merchandise and Gift Cards
                                     •          Low Price Protection & Purchase Security
  Credit Union Financials
      as of May 31st, 2011
                                     •          $500,000 in Travel Accident Insurance
                                     •          Lost Luggage Reimbursement
               Assets
           $72.80 million
              Shares
                                     •          Hotel/Motel Burglary Reimbursement
                                                                                                                                                                Emerald                   Apply for your next loan or to refinance
                                     •          Rates As Low As 8.9% APR*
           $67.21million
               Loans                                                                                                                                                                        online at www.chesterfieldfcu.net.
           $30.54 million                                                                                                                                                        * Annual Percentage Rate. Lowest rate available with qualifying credit and loan term. Your rate may vary. For auto loans, additional rate reductions available for some loans up
             Members
                                      * Annual Percentage Rate. When the promotional period for balance transfers and the introductory period is
                                        up, your rate will be determined by your creditworthiness. It can range between 8.9% APR to 15.9% APR.
                                                                                                                                                         1234 5678 1234 5678      to a maximum of 1%, with a floor of 1.86%. Financing available up to 125% with approved credit. CFCU loans may not be eligible for refinance. Offer expired 9/30/2011. For
                                      Introductory period for new cardholders ends six months after card opening. Promotional period for balance                                 the Visa Emerald balance transfer rate, when the promotional period ends your rate will be determined by your creditworthiness. It can range between 8.9% APR to 15.9% APR.
              12,226                                                                                                                                     FROM 09/08 THRU 08/11
                                                                                                                                                         VALID      GOOD


                                     transfers ends at the statement cycle in July 2012. Balance transfer must be completed between 7/27/2011 and                                   Promotional period ends at the statement cycle in July 2012. Balance transfers must be completed between 7/27/2011 and 9/26/2011. Existing CFCU loans do not qualify for
                                                                                                                                                         CREDIT UNION MEMBER
                                     9/26/2011. Existing CFCU loans do not qualify for balance transfer. There are fees associated with this card. For                                       balance transfer. There are fees associated with the Visa Emerald card. For full details, call 804-748-1417 or write to P.O. Box 820 Chesterfield, VA 23832.
                                             full details, call 804-748-1417 or 877-748-CFCU or write to P.O. Box 820 Chesterfield, VA 23832.
FirstChoice Member Newsletter                                                                                                                                                                           FirstChoice Member Newsletter             Share & Loan Rates
Page 2                                                                                                                                                                                                                        Page 3
                                                                                                                                                                                                                                                       Share Accounts
                                                                                 In Brief…                       Free                            Charles R. Quaiff Sr. Adult Scholarship
                                                                                                                                                                                                                                                        effective 7/1/2011
                                                                                                                                                                                                                                                                           Rate          APY1



                                                                                 New Funds Availability          Seminars                        Offered For Continuing Education
                                                                                                                                                                                                                                        Primary Share
                                                                                                                                                                                                                                        M.M. Savings
                                                                                                                                                                                                                                                                        0.25%          0.25%

                                                                                 Limits
                                                                                                                 For                             Since 2001, Chesterfield Federal                                                       $100-$4999.99                   0.05%          0.05%
                                                                                 Due to changes to Federal                                                                                                                              $5000-$24999.99                 0.25%          0.25%
                                                                                                                                                 Credit Union has supported area                                                        $25000+                         0.50%          0.50%

  Free Checking
                                                                                 Regulation CC, effective
                                                                                 7/21/2011, in the event that
                                                                                 we place a hold on your
                                                                                                                 Members                         youth with college scholarships. In
                                                                                                                                                 2006, we introduced a special
                                                                                                                                                                                                                                        M.M. Checking
                                                                                                                                                                                                                                        $100-$4999.99                   0.05%          0.05%
                                                                                                                                                 scholarship for adult members. We                                                      $5000-$24999.99                 0.20%          0.20%
                                                                                 check deposit, the first $200
  The way it is                                                                  of your deposit will be                                         are once again proud to offer a
                                                                                                                                                                                                                                        $25000+
                                                                                                                                                                                                                                        IRA Share
                                                                                                                                                                                                                                                                        0.40%
                                                                                                                                                                                                                                                                        1.00%
                                                                                                                                                                                                                                                                                       0.40%
                                                                                                                                                                                                                                                                                       1.01%
                                                                                 immediately available for                                       scholarship to adults wishing to pursue post-secondary education.
  supposed to be.                                                                your use. This is an increase                                                                                                                          Club Accounts                   0.25%          0.25%

                                                                                 from the current $100.                                          Chesterfield Federal Credit Union will award two $500 scholarships to adult                         Share Certificates
                                                                                 All other limits and                                            members continuing their education and presently enrolled in a college or                             effective 7/18/2011
  •   Free Online Billpay                                                        hold periods remain the                                         university pursuing an Associates, Bachelors, Masters, or Doctorate Degree.                Rates subject to change weekly.
                                                                                 same. For further                                               Applicants will be required to provide transcripts of academic work, write a short
                                                                                                                                                                                                                                                                           Rate          APY1


  •   Mobile Banking                                                             information regarding                                           essay, and provide a letter of recommendation from a peer or a supervisor.             6 Month                         0.50%          0.50%
                                                                                 holds on deposits, please
                                                                                                                                                 Applications will be judged on previous academic work, financial need,                 12 Month                        0.60%          0.60%
  •   Debit Card with                                                            refer to your Funds
                                                                                 Availability Disclosure or      Did you know that               commitment to community service and the written essay. More information can
                                                                                                                                                                                                                                        24 Month                        0.90%          0.90%
                                                                                                                 Chesterfield Federal Credit     be found on our website at www.chesterfieldfcu.net. You can download an
                                                                                 contact a credit union
      Rewards Points                                                             representative.                 Union offers free seminars      application directly from our site or pick one up at any branch. Complete              36 Month                        1.39%          1.40%
                                                                                                                 on a variety of important       instructions for submission are included in the application. Applications must be      48 Month                        1.89%          1.90%
  •   45,000 Free ATMs                                                           Minimum Balance                 topics? With convenient         received no later than September 2nd, 2011.
                                                                                                                                                                                                                                        60 Month                        2.13%          2.15%
                                                                                 for Money Market                times during lunch or after
  •   4,300 Shared Branch                                                                                        work, it is easy to stay
                                                                                 Accounts
                                                                                 As a reminder, Chesterfield     informed.                       Member Alert: Opt-In To Courtesy Pay                                                                          Loans
                                                                                                                                                                                                                                                        effective 7/1/2011
      Locations                                                                  Federal Credit Union offers
                                                                                                                                                 Protection                                                                                                                              APR2


                                                                                 Money Market Savings and        RSVP for one of the                                                                                                    Vehicle (2009—2011)                           1.86%3
                                                                                                                 session listed below or visit   For the past several years,
Open Your Checking Account Today &                                               Money Market Checking
                                                                                 accounts for members who        our website for a complete      Chesterfield Federal Credit
                                                                                                                                                                                                                                        Vehicle (2001—2008)                           1.86%3

                                                                                                                 list of topics and locations.   Union has proudly offered an                                                           Vehicle (Before 2001)                         1.86%3
 Receive Your First 50 Checks Free                                               wish to receive a higher
                                                                                 rate of return while still      RSVP to 804-639-8023 x107       overdraft payment solution                                                             Personal Loan                                 7.86%4

                                                                                 maintaining the liquidity of    or by e-mail to kmartin         called Courtesy Pay to eligible                                                        Lines of Credit                               8.86%4




Protect Yourself
                                                                                 their funds. Our Money          @chesterfieldfcu.net.           checking accountholders.                                                               Credit Builder Loan                           8.00%
                                                                                 Market Checking account                                         Overdraft services like Courtesy
                                                                                                                                                                                                                                        Home Equity Line of Credit                    4.00%5
                                                                                 requires a minimum              Tips & Tricks For Protecting    Pay are intended to spare
                                                                                 balance of $500.00 at all               Your Credit             members the inconvenience,                                                             Home Equity Loan                              4.86%5

                                                                                 times. If this requirement is      Tuesday, August 16th         embarrassment and expense of                                                           Share Secured                                 3.50%7

Free Shred Days Scheduled                                                        not met, there is a monthly
                                                                                 service fee of $10.00. There
                                                                                                                     12:00pm & 5:30pm
                                                                                                                  Chesterfield Courthouse
                                                                                                                                                 returned checks especially for
                                                                                                                                                 important payments such as mortgage, rent or utilities, as well as recurring
                                                                                                                                                                                                                                        Visa Secured
                                                                                                                                                                                                                                        Visa Emerald
                                                                                                                                                                                                                                                                                     13.90%6
                                                                                                                                                                                                                                                                                      8.90%6
                                                                                 is no minimum balance                                           automatic payments.
Are you concerned about privacy when                                                                             Keeping Your Kids Safe On                                                                                                                TERMS & CONDITIONS
disposing of your old documents? Don't be a                                      requirement for our Money               Facebook                                                                                                       1 Annual Percentage Yield. Rates are subject to
                                                                                                                                                 If you choose to opt-in, Chesterfield Federal Credit Union can now include debit         change without notice. Fees may reduce the
victim of identity theft. Shred and recycle your                                 Market Savings, however,         Wednesday, August 31st         card transactions with overdraft protection and Courtesy Pay. When making a              earnings on your account. Some accounts require a
                                                                                                                                                                                                                                          minimum deposit, a minimum balance to earn
out-dated documents at our free member                                           there is a limit of one            12:00pm & 5:30pm             purchase using your debit card, your overdraft protection services will kick in if       stated yield or impose a penalty for early

shred days.                                                                      withdrawal per month with             Brandermill
                                                                                                                                                                                                                                          withdrawal. Ask a Credit Union representative for
                                                                                                                                                 you do not have enough money in your checking account to cover the transac-              more details.
                                                                                 no fees. For more                                                                                                                                      2 Annual Percentage Rate. Rates are subject to
                                                                                                                                                 tion. There will be a fee involved with this protection if it is used, in accordance     change without notice.
Not sure what materials to shred? Here are                                       information about earning         Protect Yourself From                                                                                                3 Lowest APR available with qualifying credit and
                                                                                                                                                 with the fee schedule available in your Truth in Savings Disclosure.                     loan term. Rate may be higher and is based on
just a few suggestions of what you may want                                      more with our Money                   Identity Theft                                                                                                     creditworthiness and loan term. Ask a loan officer
                                                                                                                                                                                                                                          for information on additional rate discounts.
to shred, if unneeded: invoices, credit union                                    Market products, please          Tuesday, September 6th         Transactions already covered with Courtesy Pay, including checks and ACH trans-        4 Lowest APR available with qualifying credit. Rate
                                                                                                                                                                                                                                          may be higher and is based on creditworthiness.
and bank statements, contracts, cancelled checks, medical records, leases, pay   speak with a Financial             12:00pm & 5:30pm             actions will continue to be covered.                                                   5 Rate is as low as Prime+0%. The initial rate is tied to

stubs, credit card receipts, insurance records and tax forms.                    Services Representative.         Chesterfield Courthouse                                                                                                 the Prime rate as published in the Wall Street
                                                                                                                                                                                                                                          Journal. However, when prime rate is below 4.00%,
                                                                                                                                                                                                                                          the lowest rate available is 4.00%. Your rate may
                                                                                                                                                 How to opt-in
                                                                                 Holiday Closings                   Home Buying 101                                                                                                       vary from that shown above and is based on
                                                                                                                                                                                                                                          creditworthiness. This is a variable rate line of credit
Join us for one of the free member shred days below:                                                              Monday, September 25th         • Download an opt-in form at www.chesterfieldfcu.net/optin.pdf.                          and as such, the rate is subject to change annually
                                                                                 Chesterfield Federal Credit                                                                                                                              on the anniversary date of your loan. Consult us for
                                                                                                                    12:00pm & 5:30pm             • Request a form by e-mail at optin@chesterfieldfcu.net.                                 details. The maximum APR on this loan is 6% above
                                                                                 Union reminds our
       Friday, July 22nd        Saturday, August 20th    Saturday, Sept. 24th                                       Midlothian Village           • Request a form be mailed to you by calling 804-748-1417 or toll-free at 877-           the entry rate or 18%, whichever is lower.
                                                                                 members that we will be                                                                                                                                6 Visa Cards are a fixed rate. Your Visa Emerald rate

       2:30pm - 5:30pm            9:00am - 12:00pm        9:00am - 12:00pm                                                                          748-CFCU.                                                                             may vary and is based on creditworthiness. There
                                                                                 closed for the following                                                                                                                                 may be fees associated with our Visa Credit Cards.
                                                                                                                                                                                                                                          For full details, please contact us at:
                                                                                 holidays…                                                       You can drop completed forms off at any of our branches or fax them to 804-
                                                                                                                                                                                                                                                        Chesterfield Federal Credit Union
                                                                                                                                                                                                                                                        P.O. Box 820
   Chesterfield Courthouse       Midlothian Village           Brandermill                 Labor Day                                              639-4769. If you have any additional questions, please contact us at 804-748-
                                                                                                                                                                                                                                                        Chesterfield, VA 23832
                                                                                                                                                                                                                                                        877.748.CFCU
            Branch                    Branch                    Branch                  September 5th                                            1417.
                                                                                                                                                                                                                                        7 The stated rate is 3% over the primary share rate
                                                                                                                                                                                                                                          rounded up to the nearest .25%.

				
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