Big City Efficiency...Small Town Friendliness
HOME EQUITY LOAN SPECIAL
ABCO has money to lend for Home Equity Loans and we have some
special offers to help you save more now and in years to come.
Fixed Rate Special – NO Fees
Transfer your Fixed Rate Home Equity Loan from somewhere else,
your rate will be 1% APR below your current rate.**
*Sorry no rates lower than 5.89% APR
Think 1% does not make a difference. Check out these figures for a loan based on a 10 year term. This
Winter is just an example - your savings could be greater or less depending on the loan amount, amount you
pay each month, and the term of the loan!
2010 $50,000.00 Loan
Free 7%APR - Monthly payment $580.47 = Interest over 10 years $19,654.93
6%APR - Monthly payment $555.00 = Interest over 10 years $16,604.02
Online Banking Savings over term of loan $3,050.91
Free $75,000.00 Loan
Online Bill Payer 7%APR - Monthly payment $870.70 = Interest over 10 years $29,482.74
6%APR - Monthly payment $832.56 = Interest over 10 years $24,904.26
www.goabco.org $100,000.00 Loan
Savings over term of loan $4,578.48
1-800-225-1859 7%APR - Monthly payment $1,160.93 = Interest over 10 years $39,310.44
6%APR - Monthly payment $1,110.08 = Interest over 10 years $33,208.35
Savings over term of loan $6,102.09
A $50.00 PRIMARY SHARE ACCOUNT ________________________________________________________________________________________
IS REQUIRED FOR MEMBERSHIP Line-of-Credit Special
AT ALL TIMES TO BE ABLE TO
TAKE ADVANTAGE OF THE PRODUCTS
AND SERVICES THE CREDIT UNION OFFERS.
Variable rate based on the Prime Rate.
As of January 1st rate as low as: Prime + 1.25% APR = 4.50% APR**
After 5 years, you may have the option of rolling over to a Fixed Rate Home Equity Loan.
(All payments must be made on time, of course, and credit worthiness at the time of rollover
will be evaluated. Ask us for details.)
ABCO FEDERAL CREDIT UNION’S P R I Z E D R AW I N G
ROUTING AND TRANSIT NUMBER
Gif t Car All members who close on a new Home Equity Loan
2312-7827-4 d January 15th through March 31st
will be entered into a drawing for a
$250 Gift Card from either Home Depot or Lowes.
ABCO FCU is not responsible for typographical errors,
**Prime rate quoted as of 1/04/10. Loans are based on credit worthiness. Not all loans can be transferred. Some
omissions or misprints in this publication.
restrictions apply. Contact the Lending Department for complete details.
P Branch Locations P Mazzucco & Company, CPAs P Reverse Mortgage P Contact us P Sometimes it’s Good
A Holiday Closings A CU Financial Insurance Group A A A to Say No!
ATM Locations Go E-Statement Winners 2010 Scholarship
G Transfer your Current Auto G Bonus Dividend
G G Applications G
E Loan to ABCO E E 2010 Annual Meeting E E
2010 The Dawn of a New Year Need a Car for a
ABCO Auto & Home COSTCO Invitation
New Hours - Lending Dept.
2 Insurance Programs
3 Sprint Ahead
Attention Members 4 5 Student
BRANCH LOCATIONS Transfer Your Current Auto Loan From Somewhere Else
PHONE YOU COULD SAVE UP TO
1-800-225-1859 3%APR below your current loan rate*
No rates lower than 5.00% APR*
Offer Excludes The Following: Loans For Boats, RVs,
FULL SERVICE S Travel Trailers, Campers, and Existing ABCO Loans.
Contact the Lending Department or your Branch Office for complete details.
690 Beverly-Rancocas Road
Start Putting More Money in Your Pocket Now.
Fax (609) 871-9083
REFINANCING OFFER ENDS MARCH 31, 2010
East Ridge Shopping Center How much can 3 percentage points mean in dollars and cents?
621 Beverly-Rancocas Rd. Here an example of how the savings can add up!
Fax (609) 877-9368 If your current loan balance is $15,000 with a loan rate of 9%APR,
your current monthly payment is $373.38
RANCOCAS VILLAGE Refinance the $15,000 with ABCO at a rate of 6%APR,
215 Main St. your new monthly payment is $352.35
Rancocas, NJ 08073 Monthly Savings is $ 21.03
Fax (609) 261-4785 Assuming the same term of 48 months, the true savings is:
48 months x $21.03 savings each month = $1,009.44
The above example is based on a loan term of 48 months. Ask us how much
ATLANTIC CITY you can save if you refinance.
2652 Atlantic Ave. *A rate a member pays is based on credit worthiness. Not a guarantee of refinancing.
Atlantic City, NJ 08401 All loans are subject to credit approval and other restrictions. Loans are based on credit worthiness. Not
all loans can be transferred. Some restrictions apply. Contact the Lending Department for complete details.
Fax (609) 348-0192
81 Pemberton Browns Mills Road
P.O. Box 698 IT’S A NEW YEAR! Resolve To Make The CHANGES To Save You Money.
Browns Mills, NJ 08015-0698
Now is the time to think about CHANGING to ABCO Insurance For Your Home & Auto Insurance.
Fax (609) 735-2215
CHANGE is the word of the day...
Let us LOOK for ways to save you money on the insurance your need to protect you and your family.
Why not put a little CHANGE in your pocket!!!
(Hospital Employees Only)
1 Cooper Plaza
Camden, NJ 08103
Fax (856) 756-0433
EGG HARBOR TWP.
6716 Black Horse Pike ABCO Federal Credit Union has partnered with Insurance Companies
Egg Harbor Twp., NJ 08234-3910 to get group discounts for you, our members.
Fax (609) 645-0249
ABCO Auto & Home Insurance Programs Offer:
Discounts and Savings: Exclusive to ABCO Credit Union Members
870 Delsea Drive
Glassboro, NJ 08028 Great Insurance Companies: Will quote you with 10+ Companies.
Fax (856) 582-6025 Don’t waste your time making 10 calls when you just need to call us
RIDER UNIVERSITY Making Change EASY: All we need to get started is:
Student Center/Rider University Name, Address, Phone, Date of Birth, Effective Date and Type of Policy
2083 Lawrence Road Leave The Rest To Us!
Lawrenceville, NJ 08648
Get your free quote today • Call: 1-888-400-2226 • Go Online@ www.ABCOInsuranceAgency.com
Fax (609) 896-5323
Insurance Products are offered through various insurance companies in association with CU Financial Insurance Services
For Hours and Directions Group (“CUFIG”), a wholly owned subsidiary of ABCO Federal Credit Union. The insurance products are not federally
insured and are not obligations of or guaranteed by the Credit Union, CUFIG or any other affiliated entity.
Go online @
www.goabco.org Email: email@example.com
2010 Christmas Eve . . . . . . . . . . . . .Friday, December 24th
President’s Day . . . . . . . . . . . .Monday, February 15th (all offices will close at 1:00 pm)
Memorial Day . . . . . . . . . . . . .Monday, May 31st Christmas Day . . . . . . . . . . . .Saturday, December 25th
CLOSED FOR THE Independence Day . . . . . . . .Monday, July 5th
Labor Day . . . . . . . . . . . . . . . .Monday, September 6th 2011
HOLIDAYS Columbus Day . . . . . . . . . . . .Monday, October 11th
Veterans Day . . . . . . . . . . . . .Thursday, November 11th
New Year’ Day . . . . . . . . . . . .Saturday, January 1st
Martin Luther King, Jr.
Thanksgiving Day . . . . . . . . . .Thursday, November 25th Birthday . . . . . . . . . . . . . . .Monday, January 17th
MAZZUCCO NEW HOURS
TIME AND COMPANY, New Hours For
IS HERE CPAs On Money Market & IRA Money Funds DEPARTMENT
Your Board of Directors has again The new hours are:
is a full service declared a Bonus Dividend. Monday – Friday
CPA firm providing
MONEY MARKET PLUS BONUS RATE 9:00am to 6:00pm
income tax preparation Saturday
and financial planning .85 + .50 = 1.35 -- 1.36% APY 9:00am to 1:00pm
for individuals, for the entire month of December*
Member must have $50,000 on deposit
businesses and estates. for the entire bonus period,
Audit and accounting services June 1 to December 31
to businesses and non-profits are also available. to earn the bonus.
MOORESTOWN OFFICE CENTER IRA MONEY FUNDS BONUS RATE -
110 Marter Avenue, Suite 210 .75 + .50 = 1.25 -- 1.26% APY
ABCO MEMBERS CAN SAVE
Moorestown, NJ 08057 for the entire month of December*
ON SPRINT WIRELESS SERVICE
Member must have $25,000 on deposit
for the entire bonus period,
AND PHONES, PLUS GET
June 1 to December 31
A FREE CAR CHARGER*!
to earn the bonus.
Many ABCO members have already
Email: firstname.lastname@example.org *APY = Annual percentage yield. Assumes reinvestment of interest.
been saving big with the Sprint Credit
Money Market Accounts are computed daily and paid monthly.
Day, Evening, & Weekend Minimum balances above are required to earn stated APYs. The Annual
Union Member Discount Plan. Now
Percentage Yield may change at any time without notice as
our members can also receive a
determined by the Credit Union Board of Directors. A PENALTY WILL BE
ASSESSED FOR EARLY WITHDRAWAL. The APR is the prospective yield that
FREE car charger* with the pur-
ABCO FEDERAL CREDIT UNION PROVIDES THE ABOVE BENEFIT TO the credit union anticipates paying for the applicable dividend period.
chase of a phone and a new
OUR MEMBERS WITHOUT OPINION TO THE SERVICE PROVIDED.
activation through Sprint.
NOT FAMILIAR WITH THE SPRINT
Announcing the formation of CREDIT UNION MEMBER
2010 DISCOUNT PLAN?
Here’s how you can save:
Insurance Group, LLC
• 10% off most regularly priced
Of A New Year Sprint service plans
• Waived activation fee on new
And A New Decade activations
ABCO has recently formed a new wholly owned subsidiary to
• Waived upgrade fee
handle 403 (b) Group Retirement Plans, Financial Planning,
Start saving today! Free car charger
Investments and Insurance Services for our members.
available with web and phone
purchases only. To learn more
about this discount plan and to get
your free car charger visit
or call 877.SAVE.4.CU.
*Offer valid from January 1, 2010 to January
31, 2010. Exclusively from Platinum
Wireless, while supplies last. See Web site
Last year was a challenging
for details and restrictions.
year for investors. Why not
avoid the ups and downs of the
Pictured are: Diane Barron (Executive Assistant), Eric Lorenz stock market.
(Financial Planning/Investments), Carla Holloway (Account ATTENTION MEMBERS: Loans
Development), Joel Sand (Insurance Products), William Dent INVEST YOUR IRA FUNDS AT Are Hard To Get In Today’s
(Financial Planning/Investments), Sunny Naumoski (Financial ABCO WHERE THEY ARE SAFE Market. ABCO LOVES to give
AND INSURED. LOANS of all kinds. It’s what
Planning/Investments) credit unions are in business
Contact them at: You have until April 15th to open to do – to help people like
or add to a 2009 IRA. YOU! Keep your ABCO loan
Phone: 1-888-439-0770 source open by keeping
Email: email@example.com ABCO has many options from your credit history current. If
which you can choose: you would like to discuss
**Insurance & Financial Products are offered through various companies in your past history, call our
association with CU Financial Insurance Group, LLC (CUFIG), a wholly owned Traditional – Roth – Coverdell Lending Department. All calls
subsidiary of ABCO Federal Credit Union (“Credit Union”). Securities are offered Savings – CDs – Money Markets are confidential.
through ING Financial Advisors, LLC. (Member SIPC). The insurance & financial People Helping People -
products are not federally insured and are not obligations of or guaranteed by Contact any Branch Office That’s been our mission
the Credit Union, CUFIG or any other affiliated entity. to find out your options. since 1958.
ATLANTICCAPE COMM. COLLEGE CVS WAREHOUSE
Atlantic City, Cape May & Mays Landing Westampton
BOB’S CORNER DELI COOPER MEDICAL CENTER
Roebling (Employees only) SURCHARGE-FREE
Surcharge Free ATMs available through the Allpoint,
STARsf and Co-op networks. Look for these logos or
BURLINGTON COUNTY COLLEGE
Mount Laurel & Pemberton
Library & Daly Cafeteria ATMs
find a locations from our website @ CITY OF BURLINGTON
www.goabco.org or text to 692667 (MYCOOP). Municipal Building
You have worked all your
life to pay for your home
REVERSE MORTGAGES …now let it pay you with a
Reverse Mortgage avail-
able through ABCO.
Reverse mortgages are for
On Your people age 62 or older with
little or no mortgage left on
Home their home. There are no
income or credit require-
- SAFELY ments because you won’t
be making any payments.
A Reverse Mortgage works as it implies…the reverse of a standard mortgage.
Instead of paying out money on a mortgage, you receive money back.
At ABCO you can be assured that we have your interest at heart. We will discuss
with you all the details of this important decision so that you understand everything
completely. No surprises – no gimmicks – no pressure.
For complete details, Contact our Mortgage Partner:
Welcome Mortgage - 1-800-624-6752 - Ask for Barbara Gallaher
GO E-STATEMENT WINNERS
Congratulations to our winners in the Sign Up For E-Statements Contest.
Erland Chau – “I have been a member of
ABCO for over twenty-five years. My
reasons for using ABCO Credit Union are
Dr. James Riggs – “Super, my kids are their courteous & professional customer
going to be thrilled! These guys (ABCO services, competitive personal loan rates,
reps) are great. Everything’s been and outstanding member services. I agree Hamidul Haque – “I’m happy with ABCO’s
wonderful from day zero. Prompt, court- with their motto...ABCO membership is for service; looking forward to doing more
eous, and give good suggestions.” life – once a member, always a member.” business (with them).”
iPod Nano Winners were: Cheryl Haines-Weldon - Dawn Morgan - Joanne Paraschak - Chris Smith - 6 additional winners were drawn.
Everyone who signed up were “winners” – not only are e-statements good for the envi-
GO GREEN. GO PAPERLESS.
ronment, they offer members a convenient way to keep all their financial records in a GO (ELECTRONIC) E-STATEMENTS.
convenient, secure place available to be viewed at any time day or night.
Check Out www.goabco.org
Questions: Go Online or contact Member Services. For Additional Prize Drawings
TUESDAY, DATE DINNER RESERVATION FORM
MARCH 23, 2010 Deadline: March 12, 2010
Time: Names of Members and Guests: Method of payment – Check one:
6:30 pm, Meeting _____________________________________________________ Share Draft/Check Enclosed for $_____________
7:00 pm, Dinner _____________________________________________________
Place: Carlucci’s _____________________________________________________ Please debit $___________ from my:
Waterfront _____________________________________________________ Share Draft Account Share Account
876 Centerton Rd.,
Member No. ________________________________
Mt. Laurel, NJ
TOTAL NUMBER ATTENDING _______ @ $25.00 each Signature __________________________________
Price: $25 per person
AMOUNT TO BE ENCLOSED OR DEBITED $ ________________ Date_______________________________________
Spouses, friends and guests are welcome.
Bring form to: Any Branch Office or Fax to:(609) 518-6958 or Mail to: ABCO Federal Credit Union, PO Box 503, Rancocas, NJ 08073
To attend you must return the Reservation Form
attached by March 12, 2010.
2010 SCHOLARSHIP APPLICATIONS
COULD YOUR STUDENT USE
AN ADDITIONAL $1,000
TO FURTHER HIS/HER EDUCATION?
TO YOUTH MEMBERS.
The Award: The New Jersey Credit Union League’s Youth Involvement Board
(YIB) sponsors a $1,000 scholarship award to be paid
jointly to the winning student and the chosen accredited
C O N TA C T U S Bonus Awards: ABCO FCU also offers additional $1,000
MAILING ADDRESS Scholarships. The number of Scholarships is based on a
P.O. Box 247 • Rancocas, NJ 08073-0247 stipend by the Board of Directors and donations to our
TOLL-FREE PHONE NUMBER: 1-800-225-1859
WEB SITE: www.goabco.org Eligibility: The applicant must be a member in good standing of ABCO FCU and
24/7 TOUCH-TONE TELLER: 1-800-808-2226 must be enrolled as a high school senior at the time of application. Scholarship
funds must be used: for tuition or textbooks; and only at an accredited
BUSINESS SERVICES educational institution (2 or 4 year college, university, or trade school).
Brian Yannerella . . . . . . . . . . . . . . . . . . .Fax: (609) 877-9368
Email: BusinessServices@goabco.org Application Process: Eligible student members must complete the Scholarship
Application and submit related material. You can download the application by
OTHER SUPPORT NUMBERS going online to our website - www.goabco.org or from the NJ Credit Union
Visa – Evenings, Weekends & Holidays League’s website – www.njcul.org; or from our Youth Representative Gina
Visa Credit Card . . . . . . . . . . . . . . . . . . . . . . .1-800-453-4270 Lehman at our Rancocas Branch Office.
Visa ATM/Check Card . . . . . . . . . . . . . . . . . .1-800-523-4175
Online Banking & Bill Payer . . . . . . . . . . . . . .1-877-760-6004
Selection Process: Judging will be based on academic performance,
extracurricular and community activities, references, and personal goals.
SERVICE OFFERS* Winners will be notified in early summer 2010.
CUFIG Deadline: Scholarship Applications must be received by ABCO on or before
CREDIT UNION FINANCIAL INSURANCE GROUP the end of February in order to reach the NJCUL office. There are a few steps
ABCO Insurance Agency to complete, so be sure to get your application soon.
Auto, Homeowners, Renters, Pet, Individual, Long Term Care
NEED A CAR FOR A STUDENT OR
403(b) Group Retirement Plans
401(k) and Individual Retirement Accounts A YOUNG PERSON JUST STARTING OUT?
Financial Planning Ask us about our...
Investment & Brokerage Accounts
Phone: 1-888-439-0770 FIRST TIME
CAR BUYER’S PROGRAM
does NOT equal
Barbara Gallagher – 1-800-624-6752
Mazzucco & Co., CPAs . . . . . . . . . . . . . . . . .(856) 234-7788
**ABCO Federal Credit Union provides the above services to members without opinion to One of the purposes of a credit union is to assist members no matter what their
the services provided.
Insurance & Financial Products are offered through various companies in association with age who are trying to establish credit. Members age 18 though 25 years who
CU Financial Insurance Group, LLC (CUFIG), a wholly owned subsidiary of ABCO Federal
Credit Union (“Credit Union”). Insurances are offered through various insurance companies.
are in school, just graduating from school, or starting a new job have way to get
Securities are offered through ING Financial Advisors, LLC (Member SIPC). The Insurance & that first loan for something that is a necessity. Ask your Branch or the Lending
Financial Products are not federally insured and are not obligations of or guaranteed by the
Credit Union, CUFIG or any other affiliated entity. Department for details.
Sometimes NO Balance Transfer Fees
it’s good to say NO Sudden Rate Changes
ABCO has a low fixed rate.
NO Credit Limit Decreases
Providing you pay your minimum
balance on time each month, of course
And you will hear a lot of “YES”, too.
YES we have Free Online Banking and Bill Payer
you can pay your VISA bill online
YES we will look at you as an individual
and help you get the credit you need
YES we have Student VISA credit cards
Stop paying all those fees and excessive charges that can add up. Put that extra money into your pocket. Open an
ABCO VISA – it’s easy. Contact your local Branch or the Lending Department.
HAVE AN ABCO VISA? Other charge cards are raising your rates and decreasing your limits even if you pay on time.
Fight back. Just call the Lending Department or your local branch and let us transfer your balances – for FREE. How easy is that!!!
*A rate a member pays is based on credit worthiness. As long as you are a member in good standing, credit limits may not be reduced. Balances can be transferred up to a member’s credit limits. Contact
us for complete details.
what’s new at your credit union.
Check inside to find out
P.O. Box 247, Rancocas, NJ 08073-0247
PERMIT No. 1230