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Mailing Address: First Commonwealth Federal Credit Union PRSRT STD U.S. POSTAGE Fall 2011 P.O. Box 20450 PAID Lehigh Valley, PA 18002-0450 ww w.f IMAGE.WORKS 53719 irstc Allentown* Bethlehem** om 450 Union Blvd. 257 Brodhead Rd. P.O. Box 20450, Lehigh Valley, PA 18002-0450 cu .org Easton Office Fogelsville** The 4300 William Penn Hwy. 7627 Tilghman St. Kutztown Lehighton Shred Event W 15093 Kutztown Rd. 430 South 7th St. October 22; 9 am - Noon Lobby & Drive-Thru Hours: Allentown Branch Monday – Wednesday 9 am – 4:30 pm See Inside for Details! Thursday – Friday 9 am – 5:30 pm Saturday 9 am – Noon * Drive-thru opens at 7:30 am Monday – Friday ** Drive-thru opens at 8 am Thursday and Friday Refinance Now and Save! Federally insured by the NCUA www.firstcomcu.org WELCOME n Email Addresses Just about everyone is looking for ways to save money these days, and if you want to lower firstname.lastname@example.org your auto loan payments, we can help. New Select email@example.com firstname.lastname@example.org First Commonwealth Investment Services Employer Groups You can refinance your existing loan for up to 100%* of the NADA retail value. Our terms are great for your budget, too. You can finance pre-owned vehicles – 2005 models or newer n Direct Dial Lines 115 Pine Street, LLC – for up to 66 months. Member Response Line: 610.821.2403 Wealth Management • Retirement Planning Toll-free: 1.888.821.2400 222 Enterprises, LLC Refinance now and you could save hundreds of dollars in interest charges! Real Estate: 610.997.6390 Investments • Insurance & More 3M Installation Services, LLC CheckCard-ATM-VISA® Line: Sample used auto rates: 610.821.2400 Ext. 6772 Buckeye Partners, LP Est. Monthly Payment n 24/7 Automated Services Companion Plant, LLC APR* As Low As Term Up To per $1,000 Borrowed HomeLink, Online Banking 4.49% 36 months $32.00 CSC Auto, Inc. dba Kutztown TellerPhone: Auto Care Co. 4.99% 60 months $21.46 610.807.3095 or 1.800.462.1888 CoWorx Staffing Services, LLC Loans or Rates by Phone: If you refinance a new auto that was purchased within the last three months, your rates 610.821.2400 or 1.888.821.2400 Financial-Edge Warranty could be even lower! Services, LLC Consumer Loan Rates option #3 Refinancing is Easy! CHRIS TALPAS, ChFC, CLU, CRPC®† PAUL FEDORKO, CRPC®† Intel Mobile Communications • Online at www.firstcomcu.org Home Equity Rates option #4 Financial Advisor Financial Advisor J. Benjamin General Contracting • Call the Member Response Line: 610.821.2403 Certificate Rates option #5 Located at: 257 Brodhead Rd, Bethlehem, PA 18017 Located at: 450 Union Blvd, Allentown, PA 18109 • Visit any of our six convenient branch locations. Mailing Address: PO Box 20450, Lehigh Valley, PA 18002-0450 Mailing Address: PO Box 20450, Lehigh Valley, PA 18002-0450 J&L Wholesale Distributors, Inc. 610.821.2469 610.821.2461 LA Fitness - Allentown * Annual percentage rates effective 8/1/2011 and are subject to change. Minimum loan amount is $2,500. Rates are based on an evaluation of credit. Congratulations $100 Simple Legacy Solutions: Leah Financial, LLC Income verification may be required. For used autos, we will lend up to 100% of NADA retail value for loans up to 60 months. Maximum term for model Lehigh Fabrication, LLC Save & Win Winners years 2004 and older is 48 months. May - Swinda Hall-Daley Do you have the right plan in place? LV Family Salon, LLC MRA Group June - Caitlin Landon A Message from the First Commonwealth Investment Services Program Retirement Investments Insurance July - Parrish Alvin Have you ever written a friend or family member’s name on the back of something that’s precious to you (a family heirloom or a painting, for example)? It makes you feel good to know these things will go to someone who will love them just as much as Painting & Decorating by Shane, LLC Coin Counting Machine you do. You can have the same secure feeling about your money. You can set a portion of it aside with a name on it, for you to control now, and for that person to control after you’re gone. It’s called wealth transfer. Primary Product Solutions, LLC Reconstructing History, LLC Now Available! First Commonwealth is happy to announce the arrival of We have found that as people approach retirement they begin to divide their money into two classes: Service Pro of Lehigh Valley a new coin counting machine at the Allentown Branch, 1) “Live-on” money to sustain them through retirement; and St. John’s United located at 450 Union Blvd. 2) “Leave-on” money to bestow to loved ones or a charity. Church of Christ The coin machine is located in the first-floor lobby area, Some wealth transfer methods may lead to higher taxes for you or your loved ones. When properly structured, your wealth Triton ETD, LLC to the right of the receptionist’s desk as you enter the transfer plan can be simple to establish and can leave a lasting legacy. building. The machine may be used by members White Badger Security, Inc. Permanent life insurance can provide a simple solution to help create your lasting legacy. Is it the right plan for you? The only and nonmembers. way to know is by meeting with one of our licensed financial representatives for a no-obligation confidential meeting. The following fees are in place to help cover the cost Free Seminar: Simple Solutions, Lasting Legacy Holiday Closings of the machine: Wednesday, November 2 Labor Day Members: A fee of 3% of the total coin count will 6 – 7 pm Monday, September 5 be collected. First Commonwealth Federal Credit Union Columbus Day Bethlehem Branch, 257 Brodhead Rd. Non Members and All Businesses: A fee of 3% of Monday, October 10 Presented by Tony Chiuchiolo, CUNA Brokerage the total coin count plus an additional $3.00 fee will Veterans’ Day be charged. To RSVP please call Bev Mohr at 610-821-2464 Friday, November 11 Bring your containers of loose change and watch it Insurance is sold through CUNA Mutual insurance Society. The insurance is not federally insured and not underwritten or guaranteed by the financial institution. All guarantees Thanksgiving Day add up. Happy counting! are based on the claims paying ability of CUNA Mutual Insurance Society. Representatives are registered, securities are sold, and investment advisory services offered Thursday, November 24 through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR071125-745B Rate Quick Reference Fight Back Against Happy Credit Union How to Earn an First Commonwealth Savings rates effective 8/1/11 and subject in the Community to change. Identity Theft! Week 2011! 800+ Credit Score SAVINGS Dividend Rate APY* Free Shredding Event and Seminar Thank you for being a member of First On May 27, 92 First Commonwealth employees participated in a jeans Savings 0.20% 0.20% Commonwealth! You’re one of 186 million day, raising $495 to benefit The Arc of Lehigh and Northampton Counties. during Credit Union Week Preferred Checking people worldwide who belong to a credit union. Identity theft and information-based fraud is the fastest growing crime To show our appreciation, we invite you to stop by Balances of $10,000+ 0.15% 0.15% in America. our branches October 17 - 22 for a special American Balances of $1,500+ 0.10% 0.10% One out of every five people is a victim of identity theft. Treasures 2012. Wall Calendar giveaway. Plus, if you bring a family member in to open a new account Congratulations 2011 Elite Checking Balances of $25,000+ 0.30% 0.30% The Better Business Bureau estimates that 68% of identity theft results from non secure paper documents stolen from mailboxes and anytime that week, we’ll deposit the first $5 for them! Scholarship Winners Money Market Balances of $25,000+ 0.50% 0.50% trash/recycle bins. Balances of $10,000+ 0.40% 0.40% The FBI estimates that identity theft costs businesses and consumers Balances of $2,500+ 0.25% 0.25% over $55 billion annually. Money Market 50 Balances of $50,000+ 0.60% 0.60% Free Community Shred Day Money Market 100 Saturday October 22 Balances of $100,000+ 0.65% 0.65% 9 am – Noon Money Market 250 Allentown Branch, 450 Union Blvd Balances of $250,000+ 0.90% 0.90% Some people go a lifetime striving to hit a hole-in- During this event we will have employees who can answer questions one in golf or bowl a 300-game. It might surprise Certificates & IRA Certificates and help you sign up to receive e-Statements. We will also have Available in terms of 3 to 60 months with a $500 you that some folks are reaching for an 850 credit information on hand to explain identity theft as well as information minimum balance. Please call 610.821.2400 or to protect yourself and what to do if you become a victim. score. It can be done—try some of these suggestions visit www.firstcomcu.org for current rates. to improve your score: K • now how your FICO score is calculated. FICO, What should I be shredding? the Minneapolis-based company that created Anything with any personal identification information, including: the credit score model, considers five elements Vrunda Vithalani Timothy Fray The following loan rates are effective 8/1/2011 Account Records when calculating a score: and are subject to change. Credit Union/Credit Card Statements LOANS Term APR** Banking Information 1. Payment history Blank Checks Copies of Checks 2011 Seminar 2. Amount owed 3. New credit Vehicles*** as low as New 3 to 36 Months 2.99% Credit Card Receipts Credit Information Schedule 4. Amount of available credit 37 to 48 Months 49 to 60 Months 3.24% 3.49% 5. Types of credit used Deposit Slips You’re invited to attend our FREE seminars! 61 to 72 Months 4.49% Financial Records All seminars are held from 6:30 – 8 pm. Check your score on a regular basis to see how Used 3 to 36 Months 4.49% Insurance Information Registration begins at 6:15 pm. To RSVP, you stack up in each of these categories. 37 to 48 Months 4.74% Legal Documents please call 610.821.2400 x 6777 or email C • heck your credit report. Everyone is entitled 49 to 60 Months 4.99% Medical Records email@example.com. to a free annual credit report from each of the 61 to 66 Months 5.74% Outdated Records Passwords/Pins #’s Budgeting and Credit three main credit bureaus. Request them online Personal Loan 3 to 24 Months 8.49% Tuesday, September 20 from annualcreditreport.com, and report any 25 to 36 Months 8.74% Prescriptions Kutztown Branch, 15093 Kutztown Rd 37 to 48 Months 8.99% Tax records errors directly to the report provider. Learn how to develop a spending plan, pay down 49 to 60 Months 9.99% Staples and paper clips do not need to be removed. debt, re-establish credit and read credit reports. • eep balances low. Charge less and avoid K Brianna Clee Credit Cards Please remove large black clips and three-ring binders. We do not shred maxing out your available credit. VISA® Platinum 8.25% phone books, books, newspapers or non-paper items. P • ay on time. Making timely payments is the VISA® Gold 9.25% Credit unions were founded on the philosophy of “People Helping You can also reduce your chances of being a victim of identity theft Don’t Be a Victim of Identity Theft Number 1 way to improve a credit score. Payment Home Equity Lines of Credit† People.” With that in mind, we asked our seniors “How have you made Tuesday, October 18 (Loan-to-Value up to 90%) by receiving your regular and credit card statements electronically. history accounts for 35% of the FICO score. a difference in your community throughout your high school years?” Bethlehem Branch, 257 Brodhead Rd 3-Year Fixed Rate Introductory Period 3.99% Banking and paying bills online not only cuts off thieves’ access to Each winner received a $2,000 scholarship which may be applied toward This seminar identifies what ID theft is, You may not achieve an 850 score, but following the papers they need to commit ID theft, but also helps detect the college education expenses. Home Equity Loan † how crooks get and use your personal these guidelines can certainly give your current score crime sooner. 5-Year up to 80% LTV 4.49% information and what to do if you’re a a nice boost. To view their essays, visit us online at www.firstcomcu.org. Receive your statement electronically victim of identity theft. 10-Year up to 80% LTV 5.49% and enjoy safety, timeliness 15-Year up to 80% LTV 6.24% 20-Year up to 80% LTV 6.49% and convenience. For more information about e-statements, or to sign How to Afford the High Price of College Why Throw Away Your Money? Fixed and Adjustable-Rate Mortgages Please call 610.821.2400 or visit upto receive them, visit www.firstcomcu.org for current rates. Tuesday, November 15 Save on Sprint Wireless Service and Phones! Just tell them you’re a Credit Union Member to get this www.firstcomcu.org. * APY denotes Annual Percentage Yield. **APR denotes Annual Bethlehem Branch, 257 Brodhead Rd First Commonwealth members are saving big with the Sprint Credit exclusive offer. Ask them to be attached to the Percentage Rate. Rates for the above noted loan types are based Sign up for e-Statements Topics include: Union Member Discount Plan. With the Discount Plan you’ll get: NACUC_ZZM Corporate ID. on an evaluation of applicant credit. Final rate may vary at October 15 – 22 and be • Understanding financial aid. closing. Please visit www.firstcomcu.org or call 610.821.2400 entered to win a home • Applying for scholarships and grants • 10% off most regularly priced Sprint service plans for our most current listing of rates. ***Vehicle Loans: Maximum term for model year 2004 and older is 48 months. Maximum office shredder. • Types and sources of financial aid • 15% off most regularly priced Sprint business service plans term for model year 2005 and newer is 66 months. Maximum • Deadlines for financial aid applicants • Waived activation fee on new activations loan-to-value for terms greater than 60 months is 95% of F • illing out the “Free Application for Federal • Waived upgrade fee NADA retail value or MSRP. Maximum LTV may vary based on borrowers credit. †Home Equity Lines & Loans – The Student Aid” (FAFSA) Click www.SprintSave4CU.com. minimum interest rate for a Home Equity Line of Credit is the Call 877.SAVE.4.CU (877.728.3428).Visit your local Prime Rate, with a margin, maximum ceiling of 15% APR. The rates for this loan type after the introductory period are based Sprint retail location. on the applicant’s credit score at time of application. All APR 2 3 calculations on Home Equity Loans are based on a $20,000 loan amount.
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