This New Year

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					   37 West Landis Avenue
     Vineland, NJ 08360
                                           Money Talk
                                    A publication for members of Members 1st of NJ FCU                  January 2012
   Phone: 856-696-0767

     28A Cornwell Drive
                                                              This New Year...
     Bridgeton, NJ 08302
    Phone: 856-453-9094                                       KEEP MORE CASH IN YOUR WALLET
       9 N. Main Street                                       There’s no better way to ring in the new year
    Woodstown, NJ 08098
                                                              than to save money!
    Phone: 856-769-3452
                                                               We’re giving you a chance to save even more on your
    Toll Free: 1-866-858-3164       borrowing needs with a special offer. Ask us for a scratch-off postcard so you can
Touch Tone Teller: 1-888-406-9645   reduce our already low rates by the revealed amount, either 0.25%, 0.50%,             0.75% or 1.00%. The low rate can be used to refinance a loan you currently have
                                    with another financial institution or any new borrowing need you may have.
                                    But hurry! This deal disappears after March 31, 2011

                                     Save up to 1% on these already low rates!!
                                     Auto Loans as low as:           2.25% APR
      Savings Products               Personal Loans as low as:       7.25% APR
     Checking Accounts               Home Equity as low as:          4.00% APR

      Share Certificates                                  Apply Online at

       Club Accounts

        IRA Accounts                Need Money For College?
        ATM Services
                                    Apply For A Scholarship!
        Direct Deposit
                                    Any high school senior who is a member of Members 1st of NJ FCU is eligible to
      Payroll Deduction             apply for two scholarships sponsored by the credit union.
                                    The first is a statewide Credit Union College Scholarship Program. Students will
       Personal Loans               be competing against members of credit unions from across New Jersey for a
 New & Used Auto Loans              chance to win one of many $1000.00 scholarships. In addition to the statewide
                                    scholarship, Members 1st of NJ will award a $500 scholarship to a high school
       Mortgage Loans               senior who is a member of the credit union. Applicants will be judged on
                                    academic performance, extracurricular activities, references, and personal
     Home Equity Loans              goals. Pick up an application at any office.
        Student Loans

     VISA Credit Cards
                                                                       Log onto for informa-
                                                                       tion on Private Student Loans and Consolidation
     VISA Debit Cards
       Online Banking
      Plus Much More!

                         Convenience Is Us!
We know your life is hectic. Luckily, we have a group of services that                   Employee Spotlight
are so convenient to use that they will make your life easier. Take a
look at these great ways to save time and hassles:
Virtual Branch—Access your account 24 /7 with just a click of your
Bill Pay— Use this free service to pay your bills online.
                     Touch-Tone Teller— Access your account 24 /7
                     using a touch tone phone.
                      ATM Card—Use it to access your funds anytime,
                     VISA Check Card— Fast and convenient. Use it
                     anywhere VISA is accepted.
                                                                                                     Maria Gonzalez
Re-loadable Visa Debit and Travel Cards—Secure and convenient.                             Director of Business Development.
You fund the card with the amount you want to spend. Great for                          Maria is the face of the credit union
travel!                                                                                 outside of the office. She meets with
                                                                                        all of our groups to educate members
Direct Deposit—Conveniently deposit your net pay, Social Security, or                   and potential members on the benefits
any other regularly scheduled payment. When setting up Direct De-                       of the credit union membership.
posit, use ABA # 231278096
                                                                                          Saving Money Every Month
Payroll Deduction—Deposit money into your accounts and make loan
                                                                                         The new year is time to start your
payments automatically.                                                                 savings plan. Commit to putting part
Shared Branching—Access your funds at any credit union                                  of your next paycheck into a special
                                                                                        account, preferably one you can’t
participating in the Shared Branching Network, which is over 4,200
                                                                                        touch. Chances are, you won’t even
offices across the country.                                                             miss the money. Start small, even
Mobile Banking—Check your balance, view recent                                          2% and go up from there. You will be
                                                                                        surprised how fast it adds up.
transactions and make transfers from your smart phone.

UCC Article 4A Disclosure
PROVISIONAL PAYMENT: Credit given by us to you with respect to an automated clearing house credit entry is provisional
until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are
hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party
making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such
NOTICE OF RECEIPT OF ENTRY: Under the operating rules of the National Automated Clearing House Association, which
are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an
ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statement we
provide to you.
CHOICE OF LAW: We may accept on your behalf payments to your account which have been transmitted through one or more
Automated Clearing Houses ("ACH") and which are not subject to the Electronic Fund Transfer Act and your rights and obliga-
tions with respect to such payments shall be construed in accordance with and governed by the laws of the state of Kansas, unless
it has otherwise specified in a separate agreement that the law of some other state shall govern.
For questions call or write:1-866-858-3164
Members 1st of NJ FCU, 37 West Landis Ave. Vineland, NJ 08360

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