Home Equity Loan Special Offer

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					            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                                                      $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
                                                                                                              NO Fees
                                                                                          Variable rate based on the Prime Rate.
                                                                             As of January 1st rate as low as: Prime + 1.25% APR = 4.50% APR**
                                                                                                        Rollover Option
                                                                 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
                                                                                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
     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
     Doubletree Center
                                            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@
     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 @                                                      Email:

                                                               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
                                                                     BONUS DIVIDEND
          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
             Phone: 856-234-7788
                                                                                    June 1 to December 31
                                                                                                                                                    A FREE CAR CHARGER*!
                 Fax: 856-866-2324
                                                                                       to earn the bonus.
                                                                                                                                               Many ABCO members have already
      Email:                                *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
              Appointments Available.
                                                                                                                                               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

                                                                                                                                               activation through Sprint.
                                                                                                                                               NOT FAMILIAR WITH THE SPRINT
                                  Announcing the formation of                                                                                       CREDIT UNION MEMBER

                                    CU Financial
                                                                                                            2010                                        DISCOUNT PLAN?
                                                                                                                                               Here’s how you can save:

                                Insurance Group, LLC
                                                                                                                                               • 10% off most regularly priced
                                                                                                  The Dawn
                                                                                                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:                                                                        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
                                                                                                              RIDER UNIVERSITY
                                                                                                          Library & Daly Cafeteria                       ATMs
         find a locations from our website @                   CITY OF BURLINGTON 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
 Cash In
 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.

                                                             Wii Winners

                                               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
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
                                                                                                                                Name _____________________________________
                                 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.
                                                                                                STUDENT CORNER
                                                                                               2010 SCHOLARSHIP APPLICATIONS

                                                                                                                                              COULD YOUR STUDENT USE

                                                                                                                                                AN ADDITIONAL $1,000

                                                                    You Have
                                                                                                                                           TO FURTHER HIS/HER EDUCATION?
                                                                                                                                                    ABCO OFFERS
                                                                                                                                             SCHOLARSHIP OPPORTUNITIES
                                                                                                                                                 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
                                                                                               educational institution.
                          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
                                                                                               Scholarship Fund.
      TOLL-FREE PHONE NUMBER:                     1-800-225-1859
                    WEB SITE:                                             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:                                                   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 - or from the NJ Credit Union
          Visa – Evenings, Weekends & Holidays                                                 League’s website –; 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.
                  Insurance Services
Auto, Homeowners, Renters, Pet, Individual, Long Term Care
               Phone: 1-888-439-0770

                                                                                                   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

                                                                                                                “No credit
                       WELCOME MORTGAGE
                        (Reverse Mortgages)

                                                                                                              does NOT equal
                 Barbara Gallagher – 1-800-624-6752

                                                                                                               bad credit”
                     TAX SERVICES
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

YES                                                                                                                                                                       PR*
               you can pay your VISA bill online

YES            we will look at you as an individual
               and help you get the credit you need
                                                                                                                                                       tes as
                                                                                                                                                     Ra low
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
                                                                                                                                              Mailing Address:

                                                                                                                                   Money News
 PERMIT No. 1230
  Bellmawr, NJ
   U.S. Postage

Description: Homw equity loan special offer.