LANCO FCU 0105-0409-NWS Educator April – June 2009 Annual Meeting and Elections Incredible Home Equity Loan Savings LANCO’s 44th Annual Meeting was held on Saturday, Not only does LANCO offer some of the best Home Equity March 7th. There were 3 board seats up for election. Two Loan rates in the area… now we’re giving you even more! incumbents, Bob Steinruck & Lois Greenawalt were re- LANCO is offering a NO FEE Home Equity Loan and Line elected to the LANCO Board of Directors. David Ober was of Credit. We’ll waive all appraisal and documentation also newly elected to the Board of Directors. fees – that’s a savings of over $200! LANCO’s Home Equity Loans and Lines of Credit are LANCO's Willow Street Branch available to you for any purpose, such as financing college, purchasing a vehicle, medical bills, debt consolidation or 1st Anniversary Celebration any other major purchase. Saturday, June 27 10am - 12pm With our low rates and no fee loans, just imagine Stop by the Willow Street branch for some fun, prizes, how low your monthly payments could be… snacks and FREE cash. Take your chance in the Buck Fixed Home Equity Loan Home Equity Line of Credit Blaster to grab as much cash as you can when you open a new account or add a service to your current account. Go $20,000 loan $20,000 loan home with extra cash and cool prizes! 60 months $376.00 per month $381.93 per month All examples are shown with our current advertised rates Reactivate Your Dormant Account With rates as low as 5.49% for Fixed Home Equity and 4.25%* for Home Equity Line of Credit this is one special LANCO would like to make you aware that if your ac- you can’t afford to miss! Plus payroll deduction and auto- count has not experienced activity for at least two years matic payments are available for your convenience. it is classified as dormant (inactive) and may be subject to a Dormant/Inactive fee of $5.00 per month. You may Apply online at www.lancofcu.com or stop by any easily reactivate your account and avoid this fee by mak- LANCO branch with your most recent pay-stub. ing a deposit or withdrawal to your account. State law re- *Variable rate = Wall Street Journal Prime +1 quires that account balances be surrendered or escheated to the state if the owner has not generated account activity Clip this coupon & bring it to LANCO for your savings within five years. To avoid this, we encourage you to take action as soon as possible. Save $200 in Loan Fees ree & Receive a F Gift Exciting News for LANCO Kids Club when you open a new With a new interactive Web page and its very own news- Home Equity Loan or letter, LANCO’s Kids Club is now better than ever! Turn to Offer valid 4/1/09 through 6/1/09 Home Equity Line of Credit Page 2 for more Kids Club news. April – June 2009 Page 1 Kids Club Web Site National CU Youth Week www.lancofcu.com/kidsclub & Savings Challenge Kids Club members, check out our LANCO is taking part in the National new and improved Web page! It's full Youth Savings Challenge this year. Dur- of new games, articles, upcoming ing the month of April any member age 18 or under who events and other cool stuff! makes a deposit will be entered to win awesome prizes from LANCO! Plus, every entrant into LANCO’s draw- Buckaroo Bulletin ing will also be entered into the national contest where 10 Now when your parents receive their LANCO newsletter lucky winners will be selected to win $100. you can get one too! The Buckaroo Bulletin is now avail- During the week of 4/19 – 4/25 LANCO will celebrate able on the Kids Club Web page and can be picked up at Youth Week. Any child under 12 who visits one of our any LANCO branch. Check out The Buckaroo Bulletin branches will receive a free gift. Visit us on Thursday 4/23 for upcoming events, cool games, riddles, jokes, recipes for treats in our lobby! and much more! Senior Week at LANCO LANCO Gives Back LANCO has partnered with the Military Mothers and Attention all LANCO members 50+ Friends organization. Military Mothers and Friends is an Join us for our annual Senior Week organization that sends care packages to our troops over- festivities! Stop by any LANCO branch May 11th – 16th seas. LANCO employees contributed toiletries, snacks to receive a free gift. Come in on Thursday, May 14th for and other necessities toward the care packages that were treats in the lobby! shipped for the Easter Season. LANCO is proud that we are able to support our troops. Coming in May 2009... ScoreCard Bonus Points LANCO Rewards LANCO’s Platinum Preferred NO ANNUAL FEE Visa is Getting a Makeover! Rates as low as 9.99% The enhanced LANCO Platinum Preferred Visa® will Level Points LANCO Rewards be available with NO ANNUAL FEE! Thank You 2,000 Package of LANCO giveaways Just like the current LANCO Platinum Preferred Visa, Level 1 3,500 Free Skip-a-Pay you will earn one point for every dollar spent on the card. The points accrued on your card may be used for any- 1 Year Safe Deposit Box or 1 Level 2 6,000 thing available on www.ScoreCardRewards.com. Box of Checks Level 3 10,000 No Penalty CD And now introducing LANCO Rewards! With the new Platinum Preferred card all of your dollars will be eligible Level 4 15,000 +.25% on CD Rate for LANCO Rewards points as well. Please see the chart Level 5 20,000 -.25% on Loan Rate to learn what your LANCO Rewards can be used toward. Level 6 50,000 100 LANCO Dollars Call a LANCO Member Service Representative to learn Level 7 75,000 200 LANCO Dollars more about upgrading your current card or opening a The above is an example of the points that can be redeemed. The rewards new LANCO Platinum Preferred Visa. are subject to change at any time. Page 2 April – June 2009 Attention Business Owners! LANCO’s Courtesy Line of Credit Did you know that LANCO has all of the products and We know at times unanticipated expenses can leave you services that you need to successfully manage the start- with too little cash in your account. As always, we encour- up or growth of your business? As a LANCO Business age you to manage your finances responsibly. However, we Member, you can take advantage of our Business Check- want to save you from the additional merchant fees and ing, Lending, Visa Credit Cards, and Merchant Visa & embarrassment that can result from a returned check. MasterCard Processing. LANCO’s $1,000 Courtesy Line of Credit will be avail- Also, LANCO Business Members have the opportunity able for you in the event that your LANCO checking ac- to be in the spotlight on our Web site and in our lobby count becomes overdrawn. There’s no application fee, no through our Business Member of the Month program. annual fee and no interest or other fees charged until If interested, call Stacey at 717-569-7180 ext. 102. you use the funds. To apply for your Courtesy Line of Credit, use our Online Learn more about LANCO Business Membership Loan Application at www.lancofcu.com or stop by any at www.lancofcu.com/business LANCO office today! LANCO Forms CUSO Wii Contest Winner During 2008, LANCO FCU Congratulations to the Roth family — formed the CUSO (Credit the lucky winners of LANCO’s Win a Union Service Organization) Wii promotion. The promotion ran Vision One, LLC. Vision One is a wholly owned subsid- from Jan 1 – Feb 28; to be eligible to iary of LANCO Federal Credit Union. It is a separate win members had to open a new ac- entity with a separate board of directors. The primary count or add a service to their current purpose of Vision One is to strengthen and advance the account. Make sure to be on the look credit union movement and to serve or otherwise assist out for other upcoming contests and promotions like this credit unions and their operations. one! Congratulations again Roth family! LANCO Supports Lancaster Boys & Girls Club The Boys & Girls Club of Lancaster's mission is to enable areas of focus that the Club's programs are built off of, all young people, especially those who need us most, to Character & Leadership Development, The Arts, Sports reach their full potential as productive, caring responsi- Fitness and Recreation, Health & Life Skills and Educa- ble citizens. These accomplishments are made possible by tion and Career Development. the great passion amongst club staff, board members, the Each day, more and more youth are finding Boys & Girls Lancaster community and of course the youth the Boys & Clubhouses and engaging in constructive activities after Girls Club serve everyday. school. While the Club has continued to experience fund- Sometimes it takes a fantastic, creative program to reach a ing cuts in both the public and private sectors, they are child, but other times it is simple comfort they find having a determined to afford every child access to programs that place they belong, having adult members to guide them and are making a difference. And, each day your support is having a safe place to laugh and play with their friends. helping these efforts. There are four clubs in Lancaster County, three in Lan- To find out more about The Boys & Girls Club of Lan- caster City and one in Columbia. The Clubs serve over caster, please visit their Web site at www.bgclanc.org or 9,000 Lancaster County youth ages 6-18. There are five contact Angie Jones or Erin Mayfield at 717-295-3474. April – June 2009 Page 3 LANCO's Willow Street Branch 1st Anniversary Celebration Saturday, June 27 10am - 12pm Prizes, Snacks and FREE Cash — Info on Page 1 The mission of LANCO Federal Credit Union is to provide comprehensive services in an environment that delivers innovative solutions to best satisfy our members’ financial needs. Lancaster 349 West Roseville Rd. Rate Review Holiday Closings & Lancaster, PA 17601 p: 717.569.7180 Current as of March 2009 Events Calendar 1.888.318.4222 Savings Rate APY f: 717.569.2374 April M-Th: 9am-5pm $25+ 0.25% 0.25% Fri. 10: Open 9am-1pm – Good Friday F: 9am-6pm Money Market Savings Accounts Sat: 9am-12pm Sat. 11: Closed – Easter Weekend $1,500-$9,999 0.55% 0.55% Brownstown Mon. 20 – Sat. 25: National Credit 1 West Main St. $10,000-$24,999 1.05% 1.05% Union Youth Week, Pg 2 PO Box 568 $25,000+ 1.55% 1.55% Brownstown, PA 17508 May p: 717.656.8963 IRAs 1.00% 1.00% Mon. 11 – Sat. 16: f: 717.656.9257 Vacation/Christmas Clubs 0.50% Senior Week @ LANCO (50+), Pg 2 M-W, F: 9am-5pm Th: 9am-6pm Checking Accounts Sat. 23 & Mon. 25: Willow Street No Minimum Balance No Monthly Fee Closed – Memorial Day 2516 Willow Street Pk. Share Certificates Call for rates Willow Street, PA 17584 June p: 717.509.2612 Loans APR Sat. 27: Willow Street's 1st Anniversary f: 717.509.2617 New & Used Auto start at 6.45% Celebration, Pg 1 M-Th: 9am-5pm F: 9am-6pm Fixed Rate Home Equity start at 5.49% Sat: 9am-12pm July Home & Personal Loans Call for rates Fri. 3 & Sat. 4: Mount Joy Visa Platinum Preferred as of May '09 Closed for Independence Day 2024 West Main St. Mount Joy, PA 17552 No Annual Fee as low as 9.99%* p: 717.361.1800 Visa Platinum Cell Phone Collection f: 717.361.1821 M-Th: 9am-5pm No Annual Fee as low as 8.99%* Bring your old, deactivated cell phones to Fri: 9am-6pm any LANCO office throughout the year. All *Rates based upon qualifications phones that LANCO collects are donated Online Please call for rates and terms on all loans. to the Call to Protect Program to benefit www.lancofcu.com email@example.com Rates subject to change without notice. victims of domestic violence. GABBY For up-to-date rates, please call 717.569.7180 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government Local: 717.569.5415 or check our web site, www.lancofcu.com. NCUA Toll Free: 1.800.318.4222 National Credit Union Administration, a U.S. Government Agency Page 4 April – June 2009
"Best Home Equity Loan Rates"