Ho-Ho-Holiday Loans by mmcsx


 T Corner Post
                                                                                                                                                                                Fall 2011

  Financial News For T Valued Members Of Corner Post Federal Credit Union                                                                        Enter to win
                                                                                                                                                 one of three $100
                                                                                                                                                 Best Buy™ gift cards.
                                                                                                                                                 See page 2 for details

                                                                                                                                                     Holiday	Loans
                                                                                                                                                        Borrow $2,500
                                                                                                                                                        For As Little As
                                                                                                                                                 $212. Per
                                                                                                                                                     85 Month**

Ho-Ho-Holiday Loans
Believe it or not, the holidays are right around the corner. This year, create a holiday celebration
                                                                                                                                                         For 12 Months
                                                                                                                                                     Rates	Valid	October	15-	
                                                                                                                                                      December	31,	2011
you’ll always remember… spruce up your home before friends and relatives arrive. And make this
year really special for everyone on your gift list. If your holiday budget is stretched a little thin
this year, we’re here to help.
                                                                                                                                                  Signature	Loans
Holiday Loan                                                                                                                                            Borrow $8,000
Stop by Corner Post FCU today and apply for our all-purpose Holiday Loan. You can borrow                                                                For As Little As
up to $2,500 for up to 12 months at an affordable monthly payment of only $212.85 per month.**
                                                                                                                                                 $148. Per
                                                                                                                                                     24 Month**
But hurry, this special loan offering is available only from October 15 through December 31, 2011.

Signature Loan
Make the holidays really sparkle with a Signature Loan. Remodel your home. Take the family
                                                                                                                                                          For 60 Months
on a winter vacation. No matter what you decide to do, a low-rate Signature Loan from Corner                                                         Special	Rate	Extended	to		
Post FCU can make it happen – affordably. There’s still time to apply – we’ve extended our special                                                     December	31,	2011
Signature Loan rate through December 31, 2011.

Apply Today
Get started by stopping by the credit union or calling us at (570) 823-6151. You can also learn
more by visiting www.cornerpostfcu.org.
*APR = Annual Percentage Rate. Rates and terms subject to change. Other rates and terms available. Contact the credit union for details.
**Signature Loan payment based on $8,000 loan for 60 months at 4.25% APR; Holiday Loan payment based on $2,500 loan for 12 months at 3.99%
APR. Your rate and payment may vary. Contact the credit union for complete details.

What’s	Inside?
2| Member Appreciation Day Is Coming
2| e-Statements In Your Inbox
3| Kids Corner Update
3| Family Fun Day                                                                                                                            We ’ re Just Around the Corner!
                                                                                                                         Win one
                                                                                                                         of three

                                                   At Corner Post FCU,
                                                   We’re Celebrating You!
                                                                                                                     Best Buy™
Letter                                             Through November 30, 2011, we’re celebrating the
                                                                                                                     gift cards
                                                   most important people we know: members like you.
Lately, the things we’ve been hearing in the
                                                   And what better way to celebrate than to give every
news about our country haven’t been good.
                                                   member the opportunity to enter to win one of three
Some days, it seems like things are going          $100 Best Buy™ gift cards.
from bad to worse. Unemployment has stayed
uncomfortably high – many of our friends           4 Easy Ways To Enter:
                                                   n Refer a new member – every time you refer a member
and neighbors are out of work and struggling.
                                                     who joins the credit union, you’ll get another entry for the drawing. So refer as
Gas prices are taking a bigger bite out of
                                                     many members as you can (see eligibility requirements for Select Employee Groups
everyone’s budget. And the overall lack of           at www.cornerpostfcu.org.)
confidence in our economy has created a
                                                   n Close on a new loan – when you select one of our many loan products and close on that
mood of pessimism and fear.                          loan, you’ll earn an entry for the drawing. Choose from:

That’s why I’m so pleased that Corner Post FCU       n Vehicle Loans                    n Signature Loans
                                                     n Home Equity Loans                n First Mortgages
is an integral part of this community. I hope
you consider us your safe harbor in a world of       Refinanced loans count toward an entry, too. So convert your high-interest loans to an
chaos and mistrust. Our one and only mission         affordable Corner Post FCU loan and save!

is to serve you, our members. That’s why we        n Get a Corner Post FCU VISA® Credit Card – doesn’t it make sense to get out from
keep our loan rates realistic and affordable.        under ridiculous credit card rates and tricky terms? Apply for a Corner Post FCU VISA
                                                     card today – and you’ll earn an entry into the Membership Appreciation drawing.
Our terms aren’t deceptive or predatory.
And the people you deal with every day at          n Add a Service – Add any one (or more) of our credit union products or services to your
                                                     account and you’ll get another entry into the drawing.
your credit union support your community –
because they’re part of your community.            The drawing will take place on Wednesday, November 30, 2011. So increase your chances
                                                   to win – enter as often as possible.
Belonging to a credit union has never been
MORE important. Where banks have become
weak, credit unions like ours are getting                                                           Get Your Monthly
stronger. We’re here for you at every step of                                                       Statement In Your Inbox
your financial life. From our Dollar Dog Kids
                                                                                                    Instead Of Your Mailbox
Club® program for your children to investment
                                                                                                    Have you signed up for e-Statements
products to help you save for the future,
                                                                                                    yet? It’s the safe, secure way to keep tabs
consider us a trusted friend and partner. I                                                         on your finances because your monthly
invite you to stop by the credit union in person                                                    statement is delivered straight to your
or visit our site at www.cornerpostfcu.org to                                                       computer’s inbox.
see how we can help you weather our current                                                       And it’s one more way to “go green” by
economic chaos.                                    cutting down on the amount of paper waste you discard every month.
                                                   We’ll let you know when your new statement is available, usually around the first day of
                                                   the month. But you can review, print or save your statement at any time during the month.
Gayle Maisano                                      By storing or printing your statements, you can maintain up-to-the-minute records of the
                                                   balances in each of your accounts.
                                                   For more information or to sign up, visit our website at www.cornerpostfcu.org or give us
                                                   a call at (570) 823-6151.
                                                                                                 B O A R D
                                                     from Dollar Dog

 Corner                                                                                           Holiday

Update                                                                                            Columbus Day
                                                                                                  Monday, October 10
                                                                                                  Veterans' Day

Have Your Kids                                                                                    Friday, November 11

Met Dollar Dog?                                                                                   Thanksgiving
                                                                                                  Thursday, November 24
This age-appropriate
program is a great way for
                                                                                                  Saturday, December 24
them to learn about money
                                                                                                  Monday, December 26
management. Structured for
kids 12 and under, the Dollar
Dogs Kids Club® program                                                                           New Year's
offers games, fun facts and                                                          Color        Monday, January 2, 2012
interactive lessons designed to                                                       Me!         (observed)
teach kids how to be smart about saving and spending money.
Sit down with your kids and visit www.cornerpostfcu.org and check out our free online
program. Then, open a Dollar Dog Kids Club account for them. It only takes an initial deposit
of $1.00 (or more) and it’s a perfect way for your children to watch their savings grow.          Corner Post FCU member
                                                                                                  Kimberly Linski won’t be
                                                                                                  suffering from pain at the
                                                                                                  pump. She won $200 in
                                                                                                  free gas from our Summer
                                                                                                  Loan promo. Happy driving,

                                                                                                  Holiday Club
                                                                                                  Account Funds
                                                                                                  Coming October 12!
                                                                                                  Get a head start on your holiday
                                                                                                  shopping before the crowds hit
                                                                                                  the malls! Your Holiday Club
                                                                                                  Account funds will be deposited
                                   And A Good Time                                                into your Corner Post Savings
                                   Was Had By All…                                                Account on Wednesday, October
                                                                                                  12, 2011. Your funds will be
                                   More than 100 credit union members attended our Family
                                                                                                  available to you on Thursday,
                                   Fun Day on August 10. Thanks to the SPCA, AAA
                                                                                                  October 13 – just in time to take
                                   and Fire Department who joined us for a day of fun and
                                                                                                  advantage of all the pre-holiday
                                   education. The Fire Department brought their Fire Safety
                                   House to teach the kids what to do if there was a fire in
                                   their home, and how to call “911” for help. There was face
                                   painting for the kids and everyone enjoyed a picnic of hot
                                   dogs, chips, ice cream and more.
	 Rates	(Daily,	Paid	Quarterly)                                                         	 Interest	Rates	                                 Terms	                        Rates
                                                            	               APY           New Vehicles                             0	–	24	mos.                   	    2.50%	APR
 Shares	$100	–	5,000                            .25%        second	quarter	.25%                                                   25	–	36	mos.                   	    2.90%	APR
 Shares	over	$5,000                             .50%        second	quarter	.50%                                                   37	–	60	mos.                   	    3.00%	APR
                                                .25%        second	quarter	.25%           Over	$20,000	For                            	72	mos.                   	    3.50%	APR
 Holiday	Clubs
 Vacation	Clubs                                 .25%        second	quarter	.25%           Used Vehicles (2008-2011) up	to	3	yrs.	old
                                                                                                                                                                 	 80%	NADA
 IRAs                                          1.75%                     1.75%            NADA	book	Price	80%	or	100%                    60	mos.                 	 3.50%	APR
                                                                                                                                                                 	 100%	NADA
 Share	Draft/Checking	                       .25%           second	quarter	.25%                                                          60	mos.                 	 4.00%	APR
 Share	Certificates                  rate	changes	                                        Used Vehicles (2004-2007)	
                                   weekly	–	call	for	                                     75%	of	NADA	book	Price                         48	mos.                 	    5.00%	APR
                                             quote                                        100%	of	NADA	book	Price                        48	mos.                 	    5.00%	APR
                                                                                          Used Vehicles (2004-2007)
                                                                                          (40,000	or	less	miles)                                                 	    5.00%	APR
	 Loan	Limits                                                                             based	On	book	Price                           	60	mos.
 Signature                                            	     20%	of	gross	income           Unsecured                                1	–	12	mos.                   			 8.00%	APR
                                                      	     $8,000.00	maximum             And Secured                             13	–	24	mos.                   	 9.00%	APR
 Secured                                              	    $10,000.00	maximum                                               	     25	–	36	mos.                   	 10.00%	APR
 Vehicle                                              	    $75,000.00	maximum                                               	     37	–	48	mos.                   	 11.00%	APR
 Home	Equity                                                                                                                      49	–	60	mos.                   	 12.00%	APR
                                                      	   $100,000.00	maximum
                                                                                                                                 61	–	120	mos.	                  	 13.00%	APR	
                                                                                          100% Share Secured                       0	–	36	mos.                   		 5.00%	APR
Corner Post Federal Credit Union assumes no responsibility for typographical errors.
                                                                                                                                  37	–	48	mos.                   	 6.00%	APR
                                                                                                                                  49	–	60	mos.                   	 7.00%	APR
                                        Take	The	Family	On	A	                             Home Equity –                            0	–	36	mos.                   	 4.00%	APR
                                       Winter	Vacation	With	A	                            For Closed End                          37	–	60	mos.                   	 	4.50%	APR
                                    Signature	Loan	As	Low	As                                                                     61	–	120	mos.
                                                                                                                                121	–	180	mos.
                                                                                                                                                                 	 5.50%	APR
                                                                                                                                                                 	 6.75%	APR

                                                  	   4.25%                   APR*        Home Equity
                                                                                          Open End
                                                                                                                                                                 	   3.75%	APR

                                                  Terms Up To 60 Months
                                                                                          VISA® Credit Card                                                      	 11.00%	APR
                                                                Details Inside.           VISA Platinum Card                                                     	 8.90%	APR

                                                                                                                                  11-00844 9/11 Marketing Partners, Inc. (888) 641-1215

                                                                                                                                   E-mail: cornerpost@cornerpostfcu.org
                                                                                                                                        Website: cornerpostfcu.org
                                                                                                                                        TellerLine: (570) 823-9765
                                                                                                                                           Fax: (570) 824-2276
                                                                                                                                   Out Of Area Toll-Free: (888) 887-1746
                                                                                                                                          Phone: (570) 823-6151
                                                                                                                                            Wilkes-Barre, PA 18703
                                                                                                                                                 P.O. Box 1172
                                                                                                                                            566 South Main Street
                                                                                                                                      Saturday: 9:00 am to 1:00 pm
                                                                                                                                  Thursday & Friday: 7:30 am to 5:30 pm
                                                                                                                                     Wednesday: 9:00 am to 4:30 pm
                                                                                                                                  Monday & Tuesday: 7:30 am to 4:30 pm
                                                                                                                                            DRIVE-UP HOURS
                                                                                                                                      Saturday: 9:00 am to 1:00 pm
                                                                                                                                  Thursday & Friday: 7:30 am to 5:30 pm
                                                                                                                                     Wednesday: 9:00 am to 4:30 pm

    Permit #550
                                                                                 T Corner
                                                                                       U N I O N   CREDI T   FEDERAL
                                                                                                                                  Monday & Tuesday: 7:30 am to 4:30 pm
                                                                                                                                             LOBBY HOURS
                                                                                                                                            Hours of Operation:

   Lehigh Valley, PA
    U.S. Postage                                                                       MEET US AT

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