A car loan thAt reWardS you

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					                                              news                                                                                        Summer Edition - January 2010

Welcome to the Summer edition of fccS neWS
Each year, Money magazine puts together a list of Australia’s                                 You can automatically transfer part of your pay into this
best financial products, services and investments. These Best                                 account each pay period locking your money away from
of the Best awards are split into two categories; Banks and                                   temptation and preparing you for next Christmas.
Non-Banks, with FCCS coming under the Non-Bank category.                                      The 2010 footy season is on its way and so is CUtips. CUtips
We are very pleased to announce that this year FCCS has                                       is a free, easy to use online footy tipping competition with
been awarded six Money Magazine Best of the Best awards!                                      plenty of great prizes up for grabs. Even if your talents lie
                                                                                              elsewhere, we offer last place prizes and lucky dip prizes, so
Superfund Maximiser Account
                                                                                              anyone can play. Keep an eye on our website for more details.
  - 1st place ‘Best DIY Super Savings Accounts’
                                                                                              Finally, the Board and Staff of FCCS wish you a very safe and
Online Saver Account
                                                                                              prosperous 2010.
  - 2nd place ‘Best Online Savings Accounts’
  - 2nd place ’Best Savings Accounts’                                                                                                   HANDY T
Silver Master Card
                                                                                                                                   bills wit r regular
   - 1st Place ‘Cheapest Balance Transfer Credit Card’
   - 2nd Place ‘Best Rewards Credit Card’
                                                                                                                                  Internet BPAY View in
                                                                                              Bruce Keen
Gold Master Card                                                                              CEO
  - 3rd place ‘Cheapest Balance Transfer Credit Card’                                                                             never m anking, so you
                                                                                                                                           iss a p
We are very proud of these awards and believe they prove                                                                         Visit ou          ayment.
                                                                                                                                          r websit
                                                                                                                                 more in           e
                                                                                                                                         formati for
just how competitive our products really are. So, there is
simply no need to look any further for your banking needs.
Are you suffering after spending up big during the silly
season? Why not open a Christmas Club Account this year?

    A car loan thAt
    reWardS you                                                                              option

    Apply todAy And ColleCt
                                        pa CR*

    your rewArdS
* Rate applies to the purchase of cars < 3 yo, under manufacturer’s warranty, to approved borrowers only. Terms & conditions apply. Normal lending criteria applies. Comparison rate is
based on a $25,000 loan over a 7 yr period. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other
loan amounts might result in a different comparison rate.
What iS diY Super?
What is a self-managed super fund?
Self-managed super funds (SMSFs) or DIY super funds serve the same purpose as standard super funds. The difference is that
as a member of a SMSF you are also a trustee - you control how and where your contributions are invested.
To set up a self-managed super fund, you need to decide on a structure for your fund, have trust deeds drawn up and register
your fund with the Australian Taxation Office. We recommend you seek professional advice before setting up your fund.

is diY super for me?
If you’re already comfortable with DIY investing, running
your own superannuation fund can be an attractive                                                                                   fccS Superfund
proposition. However, you need to make sure a DIY super
fund is the best option for you. Ask yourself:
•	 Are	you	comfortable	making	investment	decisions?
•	 Is	a	DIY	fund	a	cost-effective	option	for	you?	There	are	
                                                                                                                                    Interest rate
   asset levels where this may not be the case.
•	 Do	you	have	the	time,	skills	and	interest	to	manage	the	
•	 Are	you	disciplined	and	understand	the	responsibilities	of	                                                                       tAke Control
                                                                                                                                     with our award Winning
   being	a	trustee?
                                                                                                                                     DIY Superfund maximiser Account
•	 Are	you	prepared	to	do	the	paperwork	or	work	with	
   specialist	providers	to	do	so?                                                                                                   No	fees,	real-ongoing	interest	rate,	no	catches,	
                                                                                                                                    Money magazine best of the best awards
                                                                                                                                    two years running.
•	 How	will	switching	to	a	self-managed	fund	affect	your	
   current	super	benefits	such	as	insurance?

Running a DIY super fund isn’t rocket science but it isn’t simple either. It can give you more control over your super and even
save you money. However, it’s important to know exactly what you’re getting yourself into before making the commitment.
Through our partnership with Bridges Investment Services, FCCS can help you get the answers you’re looking for. For more
information or to arrange an obligation-free appointment with a Bridges financial planner call us on 1300 361 555.
This	article	has	been	prepared	by	Ford	Co-operative	Credit	Society	Limited	(FCCS)	ABN	74	087	651	456		AFSL	No.	244351	for	the	general	information	of	members.	The	article	does	
not	take	into	account	any	member’s	individual	financial	objectives,	financial	situations	or	needs.	We	recommend	that	you	seek	help	from	a	licensed	financial	adviser	before	acting	
on	any	information	contained	in	this	article.	While	all	due	care	and	diligence	has	been	taken	in	the	preparation	of	this	article,	FCCS	reserves	the	right	to	correct	any	errors	or	
omissions. # Details of current interest rates are available on request, and are subject to change. This product is issued by Ford Co-operative Credit Society Ltd (ABN 74 087 651 456
AFSL No. 244351). Before acquiring this product you should consider the Terms and Conditions and any Fees and Charges applicable which are available at or by calling
1300 361 555. Combined deposits of up to one million dollars per member will be guaranteed by the Australian Government Financial claims scheme.

fccS noVated leaSeS
                 A Novated lease can provide you with an excellent opportunity to get that new
                 car you have been dreaming of, while also getting a real tax advantage at the
                 same time.

By setting up a novated lease through your employer, you will be able to pay for your new
car from your pre-tax salary. This will enable you to receive some great tax benefits that can
save you money.
FCCS Credit Union has developed a relationship with a novated lease specialist, so we can
help you own your dream car while reducing the amount of tax you pay.
Call 1300 361 555 and talk to one of our lending specialists today.

t: 1300 361 555 | f: (03) 5221 1544 | |
head office: 107 Gheringhap Street, Geelong Vic 3220 | est 1974
Ford Co-operative Credit Society ltd. ABn 74 087 651 456 AFSl no. 244351

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