Details on Notre Dame Federal Credit Union by jennyyingdi


									                                 Winter 2012

We’re Out To Save You $1,000,000.
            Details on Page 4.
Time for a New Butler?
A Message from Tom Gryp, President & CEO

I was reading a novel recently and came across something that seemed to strike a chord with me. In the book, two characters were
grumbling about how difficult it was to find a good butler (tough problem to have, isn’t it?!).
Anyway, the attributes of a good butler were described as someone who remained invisible for the most part and worked behind the
scenes to ensure that the household was maintained in good order. In the event of an emergency, the good butler would instantaneously
appear and fix the problem in a swift and professional manner. Once the emergency had passed, the butler would disappear into the
shadows and continue to work from behind the scenes maintaining the residence.
In reading that description, I found myself asking the question, “Isn’t that what a good financial institution should be doing?”
Shouldn’t a financial institution be working on your behalf from behind the scenes 24/7, ensuring that your checks are paid in a timely
manner, money is properly maintained in your accounts, and that you have adequate credit available to meet whatever surprises life
may send your way?
In the event of an emergency, don’t you want to count on your financial institution to immediately step forward to help solve your
problems without any hassle or “static”? With the emergency resolved, shouldn’t the financial institution then return to the shadows of
your financial life, and continue to invisibly serve you?
What you don’t want is a financial institution or butler that constantly asks for a raise or begins charging for services previously done
for free. You also don’t want a financial institution or butler that can’t be counted on when an emergency hits. What good is either a
financial institution or butler if they leave you stranded during the times you need them the most?
Many of you who are good, longtime members of Notre Dame FCU still use other financial institutions for your day-to-day checking,
credit cards, and mortgages. How confident are you that those other banks truly care for you? When push comes to shove, do you really
believe that a big regional or national bank will step up and help when you need it the most?
If the thought of relying on a big bank when the heat is on gives you even the slightest feeling of apprehension, isn’t it time for a new
butler? If so, you don’t need to look too far. As with any good butler, Notre Dame FCU has been in the shadows supporting you from
the beginning. We are the only financial institution you will ever need, and the one you can always count on!

               Thank You For Being Part Of Our Family!

                             Our Best to You and Yours in 2012.
2                We will be closed on the following holidays: January 16 (Martin Luther King, Jr. Day) and February 20 (Presidents’ Day).
Now that the baby-boomer generation has started reaching retirement age (at the rate of about 10,000 per day), some employers are
encouraging departing employees to leave their retirement savings in the company plan. These employers are finding that the loss of large
employee accounts can diminish their leverage when negotiating with plan administrators, possibly making their retirement plans less
attractive to current and prospective workers.1
If and when you leave your current job, either to retire or to take a new position, understanding the options for your retirement savings
may help you make decisions that serve your interests, not those of a former employer. It is important to note that as an employee, you are
under no obligation to leave money invested in a former employer’s retirement plan. You are free to roll it over to a traditional IRA, which,
if properly executed, can help preserve the tax-deferred status of retirement assets and avoid unwanted tax consequences and penalties. In
fact, the investment options available in IRAs are nearly unlimited when compared to those of an employer plan.
If, however, you think you might tap your retirement assets early, you should be aware that a 10% federal income tax penalty applies
to distributions from traditional IRAs and employer retirement plans before age 59½. Plus, withdrawals from traditional IRAs and
employer-sponsored retirement plans are subject to ordinary income tax.
While there is no one-size-fits-all solution, a careful evaluation of your circumstances could help you decide what to do with your
retirement assets when you change jobs or retire. For help making the decision that’s right for you, contact Scott Tonkovich or Cory
Marlow in our Investment Services Center, located at Notre Dame Federal Credit Union, at 574/254-4416.
                                                                                            The Wall Street Journal, May 8, 2011, Pew Research Center, 2010
   Investments are:
   •Not deposits                             •Not insured by any federal                 Registered Representative of and securities and investment advisory services offered through
   •Not guaranteed by the credit union        government agency                          Financial Network Investment Corporation. Member SIPC. Financial Network is not an
   •Not NCUSIF insured                       •Investments may go down in value           affiliate of Notre Dame Federal Credit Union.

                    ANDROID USERS: The Notre Dame FCU Mobile Banking Android App is
                    available for FREE. Visit our website at for more information.
                    Search “Notre Dame FCU” at to download.

Turbo Tax is Back!
Improved for Ease of Use and Functionality                                                                    Your discounts are waiting
TurboTax Online Banking is now available at                                                                   Did you know that the Invest in America program Start your tax return directly from                                                            gives members of Notre Dame FCU access to
our Online Banking site, and enjoy an improved                                                                valuable discounts on products and services from
user interface, enhanced back-end functionality and                                                           many U.S.-based companies, such as Sprint and
other improvements to make it even easier for you to                                                          GM? Plus, with Shop America, you can earn cash
complete your 2011 taxes.                                                                                     back on purchases from over 1,200 retailers.
As in the past, your personal and account information                                                         Members can receive a 10% to 15% discount on
will automatically transfer to your return, saving you                                                        wireless services from Sprint, and in addition,
valuable time and offering you increased accuracy.                                                            you’ll enjoy discounts on certain fees, select phones,
Plus, you’ll enjoy a 15% discount when you use this                                                           equipment, and accessories.
integrated service.                                                                                           Visit and click on the Member
TurboTax Online Banking - just one of the many ways                                                           Discounts page for full details, then just follow the
we thank you for your dedication and loyalty as a                                                             link to
member of Notre Dame FCU.
TurboTax, TurboTax Online, and TurboTax Online Banking, among others, are registered trademarks
and/or service marks of Intuit Inc. United States and other countries.                                                                                                                  3
STAR Consolidation Loan
New Options for Student Loans
Last summer, Notre Dame FCU expanded our STudent Alternative Resource (STAR) Loan program
to 4,000 colleges and universities nationwide. We are now proud to announce the newest addition to our
student loan offerings: the STAR Consolidation Loan! This private, non-government loan allows you to transfer your
student loans currently held at another financial institution to NDFCU, and also allows you to consolidate your
existing NDFCU STAR Loans.
Whether you’re in school and looking for a way to transfer all your student loans to one lender, or if you’ve already
graduated and want to lower your monthly payments, the STAR Consolidation Loan can help make your student
loans more convenient and affordable. The STAR Loan and the STAR Consolidation Loan both offer a low, variable
interest rate, have no associated loan fees, and offer you three in-school payment options to fit your specific needs.
For more information, call us at 800/522-6611 or e-mail us at

                                                Are You Up to the Challenge?
                                                        Saving Our Members a Million Dollars – or More

Notre Dame FCU has set a goal to save our members $1,000,000 during our Million Dollar Savings Challenge. We’ll
save you 2% or more on any loan, or you’ll walk away with $25. Apply for a new loan, refinance a loan you have at a
different financial institution, or transfer your high-rate debt to one of our low-rate credit cards. There are millions of
ways to save! Within this newsletter, you’ll find many of our loan specials, but many more abound. Just call or stop in,
and we’ll show you how much we can save you when you choose us for all of your financial needs.
Join the challenge!
Call or stop in today. 800/522-6611

Excludes mortgages and student loans; refinances of existing NDFCU loans do not qualify. Minimum rate in effect for all loan types. Other restrictions may apply. Contact us for full details.

Win an iPad 2!
Enter with your e-mail address today
Stay in touch with your Notre Dame FCU family, and we’ll help you stay in touch
with a new Apple iPad 2.
Simply visit our website and click the “Win an iPad 2” ad. By giving us your e-mail
address, you’ve got a first class ticket to new and updated information on products
and services, specials, promotions, and more. Plus, for a limited time, your e-mail
address could make you a winner.
One (1) entry will be randomly selected from all entries received by February 29, 2012. No purchase or membership required to win. NDFCU employees and their immediate families are not eligible to win. Winners will
be notified by phone/e-mail. As with any e-mail subscription, you have the ability to opt-out of future e-mails from NDFCU at any time. Official rules available online. To enter without providing your e-mail address,
simply send your name and home address to NDFCU E-mail iPad 2, P.O. Box 7878, Notre Dame, IN 46556-7878.
                                                                                                           We’ve extended the offer due to overwhelming popularity,
                                                                                                           so there’s still time to apply for a No Closing Cost
                                                                                                           Mortgage Loan.
                                                                                                                 • No Title Insurance Fee          • No Appraisal Fee
                                                                                                                 • No Documentation Fee            • No Origination Fee
                                                                                                           Plus, we offer competitive rates. See our current mortgage
                                                                                                           rates at

                                  Contact NDFCU Mortgage Services for more information. 800/522-6611
    Offer valid on purchase transactions only. Not valid on mortgage loans under $100,000. Not valid for existing Notre Dame Federal Credit Union mortgage loans. Offer does not include prepaid items associated
    with the loan closing or items such as wire transfer fees or inspection fees. FHA, VA, and construction-permanent loans are not eligible for this special offer. Offer may be withdrawn at any time. Indiana and
    Michigan properties only.

    Winter Auto Loan Special + Bonus
                                                                         If there’s a new vehicle in your future, we’re here to help with our Winter
                                                                         Auto Loan Special. Rates as low as 4.49%APR combined with
                                                                         our knowledgeable staff and unmatched service make this the perfect
                                                                         opportunity for you to get the vehicle you need from your trusted financial
                                                                         partner, Notre Dame FCU.

                                               Plus, thanks to a partnership with CARFAX, we give you the opportunity to
           RAteS AS LoW AS                     make sure when you purchase a used vehicle that you are not purchasing a

           4.49%               APR vehicle with hidden existing problems. This service is free to any member
                                               who has been approved for financing with Notre Dame FCU. Simply stop
                                               into one of our branches to get the process
     started. Bring the Vehicle Identification Number (VIN) and you’ll get the complete
     vehicle history for any used car or light truck manufactured after 1981.

      APR is Annual Percentage Rate. Rate as low as 4.49%APR is available for various financing terms, and is subject to change. Refinances of Notre Dame Federal Credit Union loans do not apply. Offer not
      valid with any other offers and may be withdrawn at any time.

    Have You Chosen to Opt-In?
    Start Receiving the Benefits of Overdraft Protection Today
    Recent changes in legislation require that you must “opt-in” in order to receive the benefits of Overdraft Protection.
    We will not be able to authorize or pay overdrafts for ATM or everyday debit card transactions if you don’t “opt-in.”
    As a result, your transactions will be declined if sufficient funds are not available.
    With Overdraft Protection from Notre Dame FCU, we’ll pay the transaction on your behalf. It’s free, quick, and easy
    to opt-in, plus you only pay a fee when you use the service. Visit for more information.

                                                                                           Opt-In Form
    _____ Yes! I want Notre Dame Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.

    Signature: __________________________________________________                                                              Date: ___________________________________

    Printed Name: ______________________________________________                                                               Member Number: _________________________
                                           Please send form to: Opt-in Notice, Notre Dame FCU, P.O. Box 7878, Notre Dame, IN 46556.
It Pays to Go Platinum!
Get the Card That Keeps on Giving
                             For more than ten years, our Visa® Platinum has been our most popular credit
                             card. Not only has it earned a five-star rating and a place in the top 25 in the
                             state, it’s also featured regularly at and
                                                              Visa® Platinum cardholders enjoy many great benefits, including a
                                                              full 1% Cash Back on every purchase. In fact, since 2001, we’ve given
                                                              more than $1.8 million in cash back to our members!
                                                              Plus, we’ve helped our members dump their high-rate credit card debt with our
                                                              0% Introductory Balance Transfer rate (reverts to a low
                                                              7.9%APR). In fact, in 2011, our members transferred more than $6 million in
                                                              high-rate balances to their Notre Dame FCU Visa® cards, saving an estimated
                                                              $430,000 in interest.

                                                                             Join the Credit Card Revolution!
                                                                             Apply for a Visa® Platinum today.
Annual Percentage Rate (APR). Balance transfer rate of 0%APR is valid for six months. After six months, rate will revert to 7.9%APR until transferred balance is paid off. Valid on balance transfers from
another financial institution’s credit card. Accounts one payment late revert to the standard prevailing rate. 1% cash back is paid out annually in January and is not applicable for cash advances or balance
transfers, and is not valid on delinquent, over limit, or closed accounts.

                                                                                                                                             New Chances to Win
                                                                                                                                                Are Coming

                                            Before you know it, spring will be here, and it will be time for spring cleaning and repairs.
                                            We want to help make that easier. Between February 1 and March 31, every time you
                                            swipe your Notre Dame FCU debit card at checkout and choose “CREDIT,” you’ll be
                                            automatically entered to win one of ten (10) $200 Home Depot gift cards.

                                            The Home Depot® is a registered trademark of Homer TLC, Inc. Notre Dame Federal Credit Union is not affiliated with The Home Depot®.

                            Find Your Financial Peace
                                 New Classes Starting in February and March
                                    Dave Ramsey’s Financial Peace University empowers and teaches you how to make the right
                                    money decisions to achieve your financial goals. This 13-week course includes practical lessons
                                    on eliminating debt, building wealth, giving like never before, and so much more! The average
                                    FPU graduate pays off over $5,300 in debt and saves $2,700 during the 91-day program.
                                    Two new FPU community classes are starting in February and March - at the YMCA and at
                                    WSBT (community room). Learn how to live like no one else, so later, you can live like no
                                    one else. Full details at •
  800/522-6611 • 574/239-6611                                                                                                  Federally Insured by the NCUA. Independent of the University

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