Financial Fitness Financial Fitness

							P.O. Box 7921 Ewing, NJ 08628-3010

Visit Us for International Credit Union Day October 15, 2009

Financial Fitness
Fall 2009

In This Issue

Holiday Closings
Columbus Day Monday, October 12, 2009 All Offices Closed Election Day Tuesday, November 3, 2009 DOT/Labor/Lafayette offices closed Thanksgiving Day Thursday, November 26, 2009 All Offices Closed

Our Rates Are So Good It’s Spooky
If the thought of financing a new car or remodeling your home seems frightening, CUNJ can calm your fears.

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 Our Rates Are So Good... It’s Spooky  New Shared Branch  Save Time with Internet Banking  Boys and Girls Club Bike Collection  Never Pay an ATM Surcharge Again  5 Money-Saving Tips for the Holidays  Invest for Tomorrow Today  Balance Financial Fitness

Veterans Day Wednesday, November 11, 2009 All Offices Closed

Christmas Day Friday, December 25 & Saturday, December 26, 2009 All Offices Closed

Personal Loan

New Year’s Day Friday, January 1, 2010 All Offices Closed

Martin Luther King Day Friday, January 18, 2010 All Offices Closed

9

As Low As

Auto Loans, Boat, RV & Motorcycle Loans**

.75% APR
*

Home Equity Line of Credit***

3

As Low As

.74% APR
*

Locations & Hours

Phone, Web, Misc.

EWING HEADQUARTERS 1301 Parkway Avenue Ewing, NJ 08628 Drive Thru/Call Center Hours: Mon-Wed 8:30 am - 5:00 pm Thurs-Fri 8:30 am - 6:00 pm Saturday 9:00 am - 12:00 pm Branch Hours: Mon-Wed 9:00 am - 4:30 pm Thurs-Fri 9:00 am - 5:30 pm Saturday 9:00 am - 12:00 pm ETS BRANCH (ETS employees only) Rosedale Road Princeton, NJ 08541 Branch Hours: Mon-Fri 8:30 am - 4:00 pm

WILLINGBORO BRANCH Willingboro Town Center 4364 Rt. 130 North, Suite F Willingboro, NJ 08046-1461 Branch Hours: Mon-Wed 8:30 am - 4:00 pm Thurs-Fri 8:30 am - 4:30 pm Saturday 9:00 am - 12:00 pm D.O.T. BRANCH 1035 Parkway Avenue Trenton, NJ 08625 Branch Hours: Mon-Wed & Fri 8:30am - 4:00pm Thursday 8:30am - 4:30pm

LABOR BRANCH Labor Building Lobby John Fitch Plaza Trenton, NJ 08625 Branch Hours: Mon-Wed & Fri 8:30am - 4:00pm Thursday 8:30am - 4:30pm

Member Service Center 800-538-4061 Fax 609-538-4057 24-Hour TouchTone Teller 800-653-6828 609-538-4046 Mortgage Department 800-880-0785

2

As Low As

.74% APR
†

Get approved instantly online at www.CUNJ.org!
*Annual Percentage Rate (APR) effective October 1, 2009 and subject to change without notice. Contact us for rates to finance more than 100%. Rates may be adjusted based on credit history, term and loan to value. **The rate on new and used auto, boat, RV, and motorcycle loans may be adjusted based on the model, year and LTV. ***The credit union may lend up to $500,000 if the home equity loan/line combined with existing mortgage(s) does not exceed 80% loan-to-value (LTV). If you borrow up to 90% LTV, the maximum loan/line amount is $150,000. Restrictions may apply. Products available to PA and NJ residents only. †The APR may vary and may increase to a maximum of 18% or the maximum permitted by law, whichever is less.

www.CUNJ.org
CUNJ Routing & Transit # 2312- 7861- 4

LAFAYETTE BRANCH 12 East Lafayette Street Trenton, NJ 08608 Branch Hours: Mon-Wed & Fri 8:30am - 4:00pm Thursday 8:30am - 4:30pm

NOW OPEN: A Shared Branch in Moorestown, NJ
Credit Union Service Center
Our newest Shared Branch is now open. Now members have another location to conduct your credit union business. And best of all, there are extended hours six days a week.
144 Route 38 Moorestown, NJ 08057 Mon-Fri 7:30am - 6:00pm Sat: 9:00am - 4:00pm PH: 856-235-2077

Federally Insured By NCUA

CUNJ is not responsible for typographical errors, omissions or misprints

Talk About Convenient...
With Internet Banking, you have access to your accounts 24/7.
Internet Banking If you haven’t tried it yet, what are you waiting for? You can check account balances, transfer funds between accounts, make payments, view check copies, receive email notifications when your balance is too low, too high or if you have a CD maturing and it’s all in real time. A demo is available on our home page in the top right hand corner if you would like to take it for a test drive. You will need your account number and your touch tone teller PIN. If you are not sure what your PIN is, just call us. e-Deposit Deposit checks online using a scanner from your home or office. Funds post immediately and it only takes about a minute to conduct the transaction. Skip the trip to the branch! Bill Payer This free service allows you to pay and receive bills all in one place. You can set up email alerts for bill arrivals, due dates and upcoming payments, schedule bills to pay automatically, run reports, send overnight payments in case you are running late (fee applies) and you can even fund your bills from another financial institution. A demo is available on our website, just search for “Bill Payer.” e-Statements Go green and receive an email each month when your statement is available. Log onto our secure Internet Banking site and review or print your statement from the comfort of your home. Statements are generally ready on the first day of the month - much faster than waiting for a mailed statement. Sign up by selecting “user options” inside Internet Banking and scroll down to “online statement options.” Need assistance or have questions? Email us at memberservices@cunj.org.

5 Money Saving Tips
for the

Holidays

Open a Holiday Club account. Depositing even a small amount into a Holiday Club account each week adds up over time. You won’t feel so strapped for cash when the holidays roll around. Your funds will be immediately accessible to you upon maturity and can be spent however you wish! Start planning now for holiday meals. Become a comparative shopper before the holiday season begins. While some items must be purchased fresh, many foods served during the holidays are available canned or can be frozen until needed. This includes ingredients for baked goods and vegetables. Look through the circulars of your local supermarkets and see which have the items you know you will need at the lowest price now and start stocking up. Go easy on the decorative lights. While lights are a part of the holiday season that many look forward to, it is easy to go overboard. This can lead to utilitily bills that are significantly higher than they are during the rest of the year. Decorate to your heart’s content, but be mindful of the electric bill that is forthcoming. Rethink holiday cards. Sending out holiday cards can be expensive. Consider sending e-cards instead of traditional paper cards. Your recipient list can be as long as you would like it to be and you will save a ton on postage costs. Be a cost-conscious holiday consumer. Evaluate which items are the best bargain for your money and where to get them. If a store that carries an item you want advertises that they match the prices of the competition, take them up on it.

Invest for Tomorrow Today
Looking for help with your investments? Whether you want to create wealth, preserve it, plan for retirement, diversify your investments or prepare to pass along your estate, the CUNJ Investment Center offered through CUSO Financial Services, L.P., can assist you. To find out more, schedule a complimentary, no-obligation financial consultation with an Investment Representative. You’ll receive a one-on-one meeting designed to identify your investment goals and develop a strategic plan customized to meet your financial needs. With a focus on service and satisfaction, CUNJ puts our experience to work to help you prepare for the future. To make your appointment, call 609-538-4061 x2056.
*Investment products and services offered through CUSO Financial Services, L.P. (CFS), an independent broker dealer are not NCUA/ NCUSIF or federally insured, not credit union guaranteed and may lose value. Registered Representatives are employees of Credit Union of New Jersey Investment Center and registered through CFS (Member FINRA/SIPC).

www.CUNJ.org

Boys & Girls Club Bike Collection
CUNJ is proud to partner with the Boys & Girls Club to help raise funds for youth in our area. Bike collection will be held at our Ewing branch, located at 1301 Parkway Avenue on Friday, October 2 from 2:00pm - 6:00 p.m. and again on Saturday, October 3 from 9:00am - Noon. Donations can only be accepted at our Ewing branch. This is a great opportunity to clean out your garage, basement or shed! Donated bikes will be reconditioned and sold at the Bike Exchange in the Capitol Plaza Shopping Center in Ewing. All profits from the sale of reconditioned bikes will go to the Boys and Girls Club of Trenton & Mercer County. All bikes are welcome tricycles to adult. Your donation is tax deductible and a receipt will be provided when you drop off your bike.

®

Never Pay an ATM Surcharge Again!
37,000 Surcharge-Free ATMs. Worldwide.
Participants include:

You will never pay a surcharge again when you use your CUNJ VISA® Check Card or ATM Card at any of over 37,000 ATMs nationwide in the Allpoint ATM network. One in 12 of all ATMs in the U.S. is in the Allpoint network, making it the largest ATM network in the country. Use your card at any ATM displaying the Allpoint logo to access your CUNJ account 24 hours a day. Enjoy an unlimited number of surcharge-free transactions. Withdraw from your savings or checking account,transfer between accounts, or advance funds from your Line of Credit. Allpoint’s surcharge-free ATMs are located across the country in local, regional, and national retail merchants. Use our ATM Locator to discover the Allpoint ATMs closest to where you live, work, or shop.

Credit Union of New Jersey wants to help you achieve your financial goals, whether that means getting out of debt, sending the kids to college, buying your first home, or retiring. Balance is another membership benefit that provides access to personal finance information and counseling six days a week. Through BALANCE, members will receive free, unbiased information and assistance. To use Balance, simply call, 1-888-456-2227. Counselors are available Monday through Thursday, 8:00 a.m. to 11:00 p.m., Friday, 8:00 a.m. to 8:00 p.m. and Saturday, 11:00 a.m. to 8:00 p.m. In many cases, BALANCE counselors can answer your questions immediately. If you’re wondering how long something stays on your credit report or whether it’s better to lease or buy a car, you’ll get the answers as soon as you call. For those with more complex issues, like debt problems or budget issues, an appointment will be scheduled allowing enough time to go over your budget and discuss options.

and many more!

If bill payments are an issue, simply reworking your current budget is not enough to help you get back on track. Your counselor may be able to arrange a Debt Management Plan and negotiate with creditors to reduce payments, interest charges and fees as you work toward paying off your debt. There is no charge for you for a Debt Management Plan. Personal finance affects all of us every day. Fortunately, everyone can achieve financial fitness with determination and a little professional guidance. Through the Balance program, we’re helping you to master your money.

An iPhone application is available to help cardholders find Allpoint ATMs. Simply click on the iPhone logo on our website to access this application through iTunes.