THE EDITION by jennyyingdi


									                                                                                                                                                                                                                        CODE # 2284-01-12-NL

                                   RATE WATCH                                                                                                                                                                               WINTER 2012

TERM (IN MONTHS) RATE*                                               TERM (IN MONTHS) RATE*                                                                       THE                                      EDITION
NEW VEHICLE                                                          USED VEHICLE                                                         Main Office
24 months ........... as low as 3.99%                                24 months ........... as low as 4.99%                               605 Davis Street
                                                                                                                                        Scranton, PA 18505
36 months ........... as low as 4.73%                                36 months ........... as low as 5.49%                                570-961-8953
48 months ........... as low as 5.49%                                48 months ........... as low as 5.73%                             FAX # 570-961-5010
60 months ........... as low as 5.73%                                60 months ........... as low as 5.99%
                                                                                                                                         Office Hours                First Credit Union of Scranton is here
ATV                                                                  MOTORCYCLE                                                           Monday - Friday
                                                                                                                                       8:00 a.m. to 5:00 p.m.
                                                                                                                                                                     to help will all your financing needs.
24 months ........... as low as 8.50%                                24 months ........... as low as 8.50%                                    Saturday              Whether it is to help you with your fuel bills, to use Equity
36 months ........... as low as 8.50%                                36 months ........... as low as 8.75%                            9:00 a.m. to 12:00 p.m.    in your home, or to purchase that new or used car. With these
48 months ........... as low as 8.99%                                48 months ........... as low as 8.99%                                                       great rates, we can make this offer for new loans only. No refi-
60 months ........... as low as 9.99%                                60 months ........... as low as 9.25%                                Central City           nancing available. All loans are subject to credit worthiness.
                                                                                                                                       Corner of Linden and
                                                                                                                                       N. Washington Avenue
PERSONAL                                                             SHARE SECURED                                                      Scranton, PA 18503       Keep warm this winter with a Heating/Fuel Loan
24 months ........... as low as 9.50%                                24 months ........... as low as 4.00%                                 570-963-5908                at First Credit Union of Scranton.
                                                                                                                                                                 Apply January 2, 2012 through March 31, 2012 in person or on-line.
36 months ........... as low as 9.75%                                36 months ........... as low as 4.00%                               Office Hours                                   Maximum $3000.00.
48 months ........... as low as 9.99%                                48 months ........... as low as 4.00%                              Monday and Friday                 1 year term. APR 4% (Annual Percentage Rate)
60 months ......... as low as 10.25%                                 60 months ........... as low as 4.00%                             8:30 a.m. to 4:30 p.m.
                                                                                                                                        Tues. - Wed. - Thurs.
                                                                                                                                                                                 Copy of 1 heating/fuel bill is required.

                                                                                                                                       11:00 a.m. to 3:00 p.m.                  Home Equity Loan Special
                                                                                                                                                                                   January 2, 2012 to May 31, 2012
1 - 5 years ........... as low as 4.50%                                                                                                    Contact Us                Just in time for those after the Holiday Bills, The Tax Man,
6 - 10 years ......... as low as 4.99%                                                                                                    570-961-8953
                                                                                                                                                                            Or a remodeling project. Minimum $10000.00
                                                                                                                        EQUAL                Extensions:
11 - 15 years ....... as low as 5.99%                                                                                OPPORTUNITY      Loans                224
                                                                                                                                                                                 APR 3% (Annual Percentage Rate).
                                                                                                     EQUAL HOUSING
                                                                                                     LENDER            LENDER                                                          Maximum Term 10 Years
                                                                                                                                      Home Banking         241
Rate may change without notice. Actual rates are based on creditworthiness of individual applicants.                                  Direct Deposit       229
Rates printed above are lowest possible rates.                                                                                        Wires                229
                                                                                                                                                                                           Auto Loan Sale
                                                                                                                                      Share Drafts         235
                                                                                                                                                                               January 2, 2012 through April 30, 2012
             SHARE CERTIFICATE RATES                                                                                                  Bill Pay
                                                                                                                                                           223                            How it Works
                     Term                                 APR*                         APY*                                           Collections          233                        Get your loan approval.
                                                                                                                                                                                          Pick a Toy Car
                     6 months                             .50%                         .50%                                                                            Receive .5%, 1%, 1.5% or 2% off our already low rates
                                                                                                                                                                                     Rates as low as 3.99 APR
                  Minimum deposit of $1,000.00
                  * Annual Percentage rate. Share certificate rates subject to change without notice. Penalty for early withdrawal.
                                                                                                                                                                         (Annual Percentage Rate) before Pick A Discount.
                  ** APY = Annual Percentage Yield.
                                                ANNOUNCING                                                                                                        PLAN AHEAD TO ATTEND
              First Credit Union Of Scranton’s New Mortage Program                                                                                  First Credit Union of Scranton’s Annual Meeting
   Whether you presently own a home and are looking for a way to refinance at today’s                                                                                April 21, 2012
low rates, or are considering taking advantage of reduced home values, First Credit Union
                                                                                                                                              The annual meeting and election of officers will be held at the Main Office on Davis Street.
of Scranton may have a mortgage program that suits your needs. Our new Member Home
                                                                                                                                          Elections will take place from 6 PM to 7 PM. Refreshments will be served.
Loan Program has programs for qualified members that allow you to take advantage of
                                                                                                                                              There are three openings for Board of Director, which are three year terms. Nominations
historically low rates for current homeowners. Are you or someone close to you think-
                                                                                                                                          should be addressed to the Nominating Committee, First Credit Union of Scranton, 605 Da-
ing about a first time home purchase but are unsure of whether you have sufficient credit?
                                                                                                                                          vis Street, Scranton, PA 18505. Nominations will not be taken from the floor on the night
Interested about what funds are needed for the down payment and closing costs? You may
                                                                                                                                          of the meeting. Nominations will close on April 1, 2012. We hope to see you there!
be pleasantly surprised with the various mortgage options that address those, and other
concerns. A registered First Credit Union representative is available for any questions you                                                             When there is a need to reach out to you,
may have. Please call 570-961-8953 and ask to speak to a mortgage rep today.
                                                                                                                                                                will you get the call???
                             SUPPORTING OUR NEIGHBORHOOD                                                                                      Please take a moment the next time you’re in to check your address and phone number on
                               POSTAL PROCESSING CENTER                                                                                   your account. Because so many things are dependent on your address, like the safe delivery
   First Credit Union of Scranton supports the efforts to keep the Stafford Ave. Postal Process-                                          of your statement, or reissued credit or debit card, we need to keep your account updated.
ing Center Open. We appreciate the quick service and hard work of the staff at that center.                                               If there is a need to call you, maybe you left your sunglasses or important papers here on
                                                                                                                                          the counter, or there is an item clearing your account that we aren’t certain of and need to
                                                 DELUXE CHECKS!                                                                           check with you, will you get the call? If you would like to provide a cell phone number, we
                                       February 1, 2012                                                                                   would be happy to add it to your account information. For security purposes, all changes to
   Our new check vendor is Deluxe. We think you will be happy to see the improvement to                                                   accounts must be in writing and signed.
pricing and delivery charges. Bring or send order forms to our office. Since this is a change
in vendors, all orders will be new, and not re-orders, you will need to supply a check starting                                                                 YOU MAY NOTICE SOME CHANGES
number and all the information you would like to have printed on the checks.                                                                 First Credit Union of Scranton has taken steps to improve our processing systems. You
                                                                                                                                          may notice some changes, like new receipts, or on line service changes. Please bear with us
                                           COMING ATTRACTION:                                                                             during this time. We are working diligently to improve services for our members, in both
   We are improving our On-Line Banking. During the first few months of 2012, our On-Line
                                                                                                                                          the way we are processing and the ways you will see your accounts, on line and by phone.
Banking will transition from the current system to a system that will more accurately reflect
                                                                                                                                          Some changes will be “behind the scenes” and go unnoticed.
activity in the account. You will be able to see transactions in a timely manner and be able to
address security issues quicker and more efficiently. We do not have a “live” date yet but want                                                                       We Love To Hear From You.
you to know that it’s on the horizon.                                                                                                       If you have any suggestions, comments or concerns, please send them to our address at
                                                                                                                                          605 Davis Street, Scranton, PA 18505. We also love compliments too!
Why throw away your money? Save with Sprint!
Join the over 1 Million credit union members nationwide that are already saving over $90 million on their wireless plans! First Credit
Union of Scranton is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.                                  Preparing for the Holidays!
 Ways you can save:
 	 •	10%	off	most regularly priced Sprint individual service plans                                                                                  Your credit union will be closed for the following holidays:
 	 •	15%	off	most regularly priced Sprint business service plans
 	 •	Waived activation fee on new activations		•	Waived upgrade fee •	Available to new and existing Sprint customers
 Enjoy	the	perks,	benefits	and	exclusive	discounts	that	only	credit	union	members	like	you	can	receive.
                                                                                                                                                                            January 16, 2012
 3 Ways to get your discount:                                                                                                                                            Martin Luther King Day
 	 •	 Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member.
       Ask to be a part of the NACUC_ZZM Corporate ID to save
 	 •		Click •		Visit your nearest Sprint store
                                                                                                                                                                           February 20, 2012
                           What are you waiting for? Start saving today!
                                                                                                                        The Now Network
                                                                                                                                                                            President’s Day

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