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Refinance Now and Save First Commonwealth Federal Credit Union


									            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

 Allentown*                          Bethlehem**                                                                                                                                                                                                               om
 450 Union Blvd.                     257 Brodhead Rd.    P.O. Box 20450, Lehigh Valley, PA 18002-0450                                                                                                                                                             cu       .org
 Easton Office                       Fogelsville**

 4300 William Penn Hwy.              7627 Tilghman St.
 Kutztown                            Lehighton           Shred Event

 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                                                                                                                                                                                                                                  WELCOME
 n Email Addresses                                                                                                                                                                                                                                                                  Just about everyone is looking for ways to save money these days, and if you want to lower                                                                                                                                                                                                                                                             your auto loan payments, we can help.
                                                                                                                                                                                                                                                    New Select                                                        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
       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 for current rates.
                                                                                                                                 to improve your score:
                                                                                                                                     •		 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
                                                                                                                                       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
                                                                                                                                     •		 heck your credit report. Everyone is entitled                                                                                                                   49 to 60 Months              4.99%
Medical Records                                                 
                                                                                                                                       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, and report any                                                                                                                       25 to 36 Months              8.74%
                                                                          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
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                                                                                                                                                                                                                                               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                                                                                                                                                                                                                                                             *
                                                                                                                                                                                                                                                                                 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 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
                                                                          	 •		 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                                                                                                                   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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