News for Members of First Heritage Federal Credit Union
HOME EQUITY LOANS Credit Union
showed us how
to make those
And we can do the same for you...
Some like the Others like the
flexibility of our predictability of our
Home Equity Line. Home Equity Loan.
Great Rates • Generous Amounts • Flexible Terms • Spending Options Thursday, May 4th
Tax Advantages* • NO Closing Costs* • Payment Protection Plans
from noon to 8:00 pm
Give us a call, we’ll show you how.
*Restrictions may apply to interest deductions - consult your tax advisor. There are no closing costs
unless mortgage is discharged for any reason within two years of the loan date. In the event one or
Friday, May 5th
more monthly payments are more than 30 days past due, it will result in the early termination of any from 10:00 am to 8:00 pm
Saturday, May 6th
2 0 0 0 All First Heritage FCU
members are welcome to from 10:00 am to 3:00 pm
NNUAL attend this year’s Annual
MEETING Meeting, scheduled for Chemung County Fairgrounds,
Monday, April 24, 6:00 PM 6:00 PM on Grand Central Avenue,
Monday, April 24 at: Horseheads, NY
The Lodge on the Green See enclosed flyer
Painted Post for details!
“The person who comes first is you.”
A Message from the President of First Heritage
Dear Friends, earned a 5-Star superior rat- the Credit Union main office
ing... its 8th in a row, according building in Painted Post are
The Directors, management, to Bauer Financial Reports, Inc., under way. Further emphasis
and staff of First Heritage the nation’s leading indepen- will be placed on employee
appreciate the support you dent financial research firm. A training. We are planning to
gave in 1999. The loyalty and 5-Star rating is the highest rat- offer a strategic array of com-
encouragement of our members ing a credit union can achieve. petitive, but cost effective,
contribute significantly to our We introduced two new financial products and services,
growth and progress. For more products in 1999 -- VISA Check including a youth savings pro-
than 45 years, we have taken Card and 24/7 Loan-By-Phone gram, open end lending, and
great pride in the lifelong service. Several key website on-line banking.
friendships our Credit Union enhancements were added and We will continue to look to
has enjoyed with its members. can be viewed by logging on to you, our existing member own-
We enter 2000 with great antici- http://www.fhfcu.org. ers, to make First Heritage your
pation of what may yet be During the years 1998 and primary financial institution.
accomplished for our members 1999, First Heritage worked We will provide products and
and the communities we so closely with the National services that you need. We will
proudly serve! Credit Union Administration focus attention on established
and the many vendors with employee groups and make
Looking back... whom we do business, to sure they know the benefits
ensure a smooth transition into associated with Credit Union
Your Credit Union showed the year 2000. The goal of the membership.
positive growth in several key “Year 2000 Project” was “busi- Remember... when you do
areas. Credit Union assets grew ness as usual” on Monday, business with your Credit
by 6.2% to $87.7 million; January 3, 2000 and that was Union, you’re doing business
deposits increased 5.7% to $76.4 achieved. with the institution you own.
million; and loans increased by
6.8% to $59.4 million. The Looking ahead... Sincerely,
Credit Union’s capital of 12.1%
demonstrates its strong finan- First Heritage expects the Arthur D. Field
cial strength and soundness. year 2000 to be another year of President & CEO
In 1999, your Credit Union steady growth. Renovations of
Make borrowing fast, easy & efficient with the
LOANLINERTM lending system. Lo
Next time you need a loan, ask one of our loan officers about LOANLINER. Loan
This streamlined lending system makes borrowing faster and easier than ever before. Applica Ap Loan
With LOANLINER, there is only one compact initial agreement for you to complete. Application
And it’s written in “plain English” making it easy to understand and fill out.
Your future advances can then be approved over the phone, by mail or in person with ________
little additional paperwork. You can even add credit life and disability payment protection ________
coverages to your loans in one simple step.
LOANLINER really helps streamline the loan process to make borrowing faster, easier and more
convenient for you. Call or stop in for your application today.
The PHH Credit Union Services’ Mortgage Program
Competitive, Convenient and Easy
Getting or refinancing a mortgage does not have to be a stressful experience. Your Credit Union has
teamed up with one of the largest and most successful mortgage originators in the nation. First
Heritage, in conjunction with PHH Credit Union Services (PHH) is delighted to bring you a program
that previously has only been available through realtor relationships - - it may be the most technologi-
cally advanced method available of obtaining a mortgage. In most cases, they can give you a loan
decision in 20 minutes, over the phone from the convenience of your home or office. This innovative
program also offers the industry’s strongest service guarantees:
• PHH guarantees to give you a same-day loan decision or they will pay you $250.00.
• PHH guarantees to meet your agreed upon closing date or reduce your interest rate by
1/8 of one percent for the life of your loan.
You owe it to yourself to
explore PHH’s mortgage pro-
gram. PHH is dedicated to business
$250.00 Start S
meeting your mortgage needs
with tremendous ease, speed
These days banks charge for just about everything.
Simply call 1-877-840-2154 Even basic services like checking accounts.
to speak directly with our At First Heritage, you benefit from low or no fees on our
expert Mortgage Loan full range of products and services.
Consultant 6 days a week
from 8:30 am to 10:00 pm. *Business checking the way it should be!
Find out how easy it can be to • No monthly fees with balances of $100.00 or more
obtain a mortgage - the PHH • Interest on balances over $5,000.00
way! It’s the fastest, simplest, • Business purpose lending
• Federal tax deposits, merchant card processing
most convenient way home. • And more...
HOLIDAY CLOSINGS The bottom line matters...
Memorial Day If you have a business with one or 1,001 employees, First
Sat., May 27 & Mon., May 29 Heritage can handle your financial needs. That’s why busi-
Colonial Days (Painted Post only) nesses are moving their accounts to the Credit Union and
Sat., June 10 realizing significant savings on fees and loan interest.
Laurel Festival (Wellsboro only) For more information on Business Accounts and eligibility
Sat., June 17 requirements, call any First Heritage office.
First Heritage is joining the
110 Village Sq., Painted Post, NY 14870
New York State Credit Union (607) 936-4667, (800) 833-3338
League’s community involve- SMART Line ....................(888) 936-8402
ment campaign, “Credit http://www.fhfcu.org
Unions Care for Kids”. From • Lobby Hours:
Mon.-Wed. ............8:00 a.m.-4:30 p.m.
April 3 - 30, we’ll be collecting
Thurs.-Fri. ............8:00 a.m.-5:00 p.m.
gifts and money for kids. In Saturday ..............9:00 a.m.-12:00 p.m.
this area, we’re helping kids at • Drive-Up Hours:
local hospitals. Mon.-Wed. ............8:00 a.m.-4:30 p.m.
You can help. The next Thurs.-Fri. ............8:00 a.m.-6:00 p.m.
time you come in to the credit Saturday ..............9:00 a.m.-12:00 p.m.
union, just bring a small gift • 24-Hour ATM
for a small friend. You’ll find Branch Locations
our collection box prominently displayed in all of our offices. Most Addison
needed are stuffed animals, toys, dolls, games, books, and videos. 58 Main Street,
(All but the last two need to be new and in their original wrapping, Addison, NY 14801 • (607) 359-2275
for infection-control purposes.) Or, if you don’t have time to go Mon.-Wed. ............8:30 a.m.-4:30 p.m.
Thurs.-Fri. ............8:30 a.m.-5:00 p.m.
shopping, you can make a donation by cash or share draft.
After the drive ends on April 30th, we’ll deliver to the area hos- Corning
23 West Market Street, Suite 103
pitals all the items we’ve collected, along with a check for the full Corning, NY 14830 • (607) 962-4691
amount of cash donations. Thanks for helping us show the world Mon.-Fri.................8:00 a.m.-4:30 p.m.
that our credit union members truly Care for Kids! Elmira
1100 Clemens Center Pkwy,
Elmira, NY 14901 • (607) 734-0231
MEMBER’S CHOICETM Mon.-Wed. ............8:30 a.m.-4:30 p.m.
Life and Disability Insurance Thurs.-Fri. ............8:30 a.m.-5:00 p.m.
Helps You Budget for the Future - and the Unexpected • ATM - open daily 6 a.m. to midnight.
St. Joseph’s Hospital
Most First Heritage members budget carefully - for food, shel- Elmira Medical Arts Center, Suite 101
ter, utilities and clothes. Monthly loan payments for a house, car, Elmira, NY 14901 • (607) 733-3044
boat, truck, motorcycle or a special vacation are also part of the Mon., Wed.-Fri. ....7:30 a.m.-4:00 p.m.
plan. Closed Tuesdays
But what happens when a Credit Union member dies or Wellsboro
becomes disabled and unable to work? 17 East Avenue,
In many cases, the income stops. But the bills, including those Wellsboro, PA 16901 • (570) 724-5331
• Lobby Hours:
monthly loan payments, keep coming. And that situation can be a
Mon.-Wed. ............8:00 a.m.-4:30 p.m.
financial hardship. Thurs.-Fri. ............8:00 a.m.-5:30 p.m.
MEMBER’S CHOICE life and disability insurance from CUNA • Drive-Up Hours:
Mutual Insurance Society can help ease financial stress. CUNA Mon.-Wed. ............8:00 a.m.-4:30 p.m.
Mutual is the leading writer of credit insurance in the world. Thurs.-Fri. ............8:00 a.m.-5:30 p.m.
MEMBER’S CHOICE life insurance can reduce or pay off your Saturday ..............9:00 a.m.-12:00 p.m.
covered loan if you die. And disability insurance can pay your
Board of Directors
covered monthly loan payments for as long as you are unable to Harold Cutler ..........................Chairman
work due to a covered disability. Robert Hunt ....................Vice-Chairman
You or your family or estate could be facing a number of finan- Kay Houghtaling ......................Secretary
cial obligations. Repaying a Credit Union loan doesn’t have to be Robert Amidon ........................Treasurer
Robert Blair Jack Pasierbiak
one of them.
Sal Princiotto Richard Quigley
The cost for these important coverages is reasonable, and they Mary Ann Thomas
could be of great help at a critical time. The premium is built into
the loan payments, so there’s no extra check to write. Supervisory Committee
To learn more about how MEMBER’S George McNally ......................Chairman
Sharon Abbott ..........................Secretary
CHOICE coverages can protect you and your fam- Marcia Reno Jennifer Togni
ily, call your nearest First Heritage office today. Susan Williamee
Chemung County Fairgrounds,
Grand Central Ave., Horseheads
lS avin able
ecia s avail me
t dr ns wel rizes
Dates and Times
Trad ngs fo Thursday, May 4th from noon to 8:00 pm
Dra Friday, May 5th from 10:00 am to 8:00 pm
Saturday, May 6th from 10:00 am to 3:00 pm
Brought to you by:
First Heritage Federal Credit Union &
Clute Ford Lincoln Mercury
Elm Chevrolet Get your loan
Kent Brown Toyota
Peter Koch Chrysler Plymouth Dodge Jeep pre-approved and
Van Brunt Cadillac Oldsmoble Nissan Kia receive up to $50.00
First Heritage Federal Credit Union
ATTN: Marketing Department
110 Village Square
Painted Post, New York 14870
Auto Loan Gift Certificate 1001
DATE: May 4 - May 31, 2000
Put Your Name HERE
FIFTY and 00/100
Complete the application below and return to First Heritage Federal Credit Union today.
Offer good May 4 through May 31, 2000 upon closing of pre-approved loan.
Loans from $5,000 to $9,999 receive $25.00. Loans $10,000 and over receive $50.00. Approval subject to our credit granting terms and conditions.
Membership eligibility required. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act.
Choose the most convenient way to apply for an auto loan.
1. CALL in for a tentative approval by calling our P.a.L. (Phone-a-Loan) line
at your nearest branch office or 1-800-833-3338 OR
2. DROP BY any of our branch offices with the completed application form
3. MAIL in the completed application form below with your certificate OR
4. FAX your completed application to (607) 936-3808.
Loan Amount Requested
Pre-Approval Loan Application $
Applicant Date of Birth Social Security # Phone
Address No. years at residence
Place of employment No. Years Employed Gross monthly Salary
Co-applicant (if any) Date of Birth Social Security # Phone
Place of employment No. Years Employed Gross monthly Salary
Other Income/Source (Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for
repaying this obligation.)
Mortgage/Rent Payment Mortgage holder/Landlord
I/We certify everything I/We have stated in this application and on any attach-
ments is correct. You may keep this application whether or not it is approved, and
I/We authorize you to share this application with any of your affiliates, for the pur- X
pose of determining whether I/We might qualify for other products you or those Applicant Date
affiliates offer. I/We authorize you to check My/Our credit and employment history
and to answer questions others may ask you about My/Our credit record with you. X
I/We understand that I/We must update credit information at your request if Co-Applicant Date
My/Our financial condition changes.