Big City Efficiency...Small Town Friendliness
We Have Money To Lend
Online Bill Payer
A $10.00 PRIMARY SHARE ACCOUNT
IS REQUIRED FOR MEMBERSHIP
AT ALL TIMES TO BE ABLE TO
TAKE ADVANTAGE OF THE PRODUCTS
AND SERVICES THE CREDIT UNION OFFERS.
ABCO FEDERAL CREDIT UNION’S
ROUTING AND TRANSIT NUMBER
Contact us today for help
in getting a home of your own
or lowering your existing
ABCO FCU is not responsible for typographical errors,
omissions or misprints in this publication.
Loans Are Hard To Get In Today’s Market. ABCO LOVES to give LOANS of all kinds. It’s what credit unions are in business
to do – to help people like YOU! Keep your ABCO loan source open by keeping your ABCO credit history current.
If you would like to discuss your past history, call our Lending Department. All calls are confidential.
People Helping People - that’s been our mission since 1958.
If You Have A Car and Maybe A Home,
YOU COULD SAVE ON INSURANCE!
690 Beverly-Rancocas Road
Willingboro, NJ 08046
There is a difference in where you buy your insurance protection. Many people don’t
Fax (609) 871-9083
LENDING DEPARTMENT realize there are three sources for insurance:
1. Captive Agents can sell you the insurance of only one company.
East Ridge Shopping Center
2. Telephone Representatives - who can offer you only one company and only on the
621 Beverly-Rancocas Rd.
phone or over the internet.
Willingboro, NJ 08046
3. Independent Insurance Agents are members of the American Agency System and
Fax (609) 877-9368
RANCOCAS VILLAGE represent an average of many insurance companies, handle multiple lines of insurance,
215 Main St. and search these firms to find you the best combination of price, coverage and service.
HOW DOES AN INDEPENDENT AGENT
Rancocas, NJ 08073
WORK FOR YOUR BENEFIT?
Fax (609) 261-4785
OTHER LOCATIONS Insurance policies are not static. You continually make changes as your family’s situation
change. Changing drivers, cars, and coverages can drastically affect your premium
and/or your desirability to your insurance company. What you think could decrease your
premium may not always be the case and could result in no savings or even an increase.
2652 Atlantic Ave.
Your Independent Agent is familiar with many companies and can suggest alternatives
Atlantic City, NJ 08401
that could save your money or give you better coverage or both.
Fax (609) 348-0192
81 Pemberton Browns Mills Road We at Credit Union Financial Insurance Group (CUFIG) are independent agents – but
P.O. Box 698 we come with an extra benefit. As a wholly-owned subsidiary of ABCO Federal Credit
Browns Mills, NJ 08015-0698 Union, we bring to the table a commitment to the credit union principle of people helping
Fax (609) 735-2215
There IS A Difference - That Difference Is US - CUFIG.
Quotes and consultations are always free
(Hospital Employees Only)
with no obligation to purchase any product.
1 Cooper Plaza
Contact us to discuss all your insurance needs.
Camden, NJ 08103
Fax (856) 756-0433
EGG HARBOR TWP.
6716 Black Horse Pike
Egg Harbor Twp., NJ 08234-3910
Fax (609) 645-0249
870 Delsea Drive
Glassboro, NJ 08028
Fax (856) 582-6025
2083 Lawrence Road
Lawrenceville, NJ 08648
Fax (609) 896-5323
For Hours and Directions
Go online @
You can find
President’s Day . . ... . . . . .... . .Monday, February 21st New Year’ Day . . . . . . . . . . . . .. .Monday, January 2nd
Memorial Day . . . ... . . . . .... . .Monday, May 30th Martin Luther King, Jr. Birthday . .Monday, January 16th
Independence Day .. . . . . .... . .Monday, July 4th President’s Day . . . . . . . . . . . . .. .Monday, February 20th
CLOSED FOR THE Labor Day . . . . . . ... . . . . .... . .Monday, September 5th Memorial Day . . . . . . . . . . . . . .. .Monday, May 28th
Columbus Day . . . ... . . . . .... . .Monday, October 10th Independence Day . . . . . . . . . .. .Wednesday, July 4th
HOLIDAYS Veterans’ Day . . . ... . . . . .... . .Friday, November 11th Labor Day . . . . . . . . . . . . . . . . .. .Monday, September 3rd
Thanksgiving Day ... . . . . .... . .Thursday, November 24th Columbus Day . . . . . . . . . . . . . .. .Monday, October 8th
Christmas Day . . . ... . . . . .... . .Monday, December 26th Veterans’ Day . . . . . . . . . . . . . .. .Monday, November 12th
TAX THE SAVINGS KEEP GROWING
TIME AND COMPANY, FOR ABCO MEMBERS
IS HERE CPAs ABCO is proud to participate in Invest in America, a unique program NOTICE
is a full service
offering our members discounts on products and services from U.S. Effective March 1, 2011
based companies. It not only gives you, our members, valuable the following changes to our
CPA firm providing
discounts, but it also increases sales for the participating companies Fee Schedule will take effect.
income tax preparation
and, on a larger scale, helps stimulate the U.S. economy. Basically,
and financial planning
Invest in America is a win-win for everyone. • Overdraft, Returned Check,
Third Party Check Returned,
businesses and estates.
Simply visit www.LoveMyCreditUnion.org Stop Payment , Deposit of
to learn how, as a member of ABCO Federal Credit Union, you can
Audit and accounting services
NSF Check - now $29.00
receive money-saving discounts from: General Motors, Sprint, Allied
to businesses and non-profits are also available.
MOORESTOWN OFFICE CENTER
Van Lines, FTD, CU Benefits Express, CompleteTax, DIRECTV and • Late Loan Payment - $29.00
through ShopAmerica, a new online mall specifically for credit union • Annual Fee for for certain types
110 Marter Avenue, Suite 210
members. of Credit Cards - $25.00/year
Moorestown, NJ 08057
ABCO is here to help our members save with respected NO ANNUAL FEE FOR
U.S. companies at a time when everyone needs it most. ALL OTHER CARDS
• Transfer Fee changed to allow
Day, Evening, & Weekend one (1) per month free
Appointments Available. NO CHARGE FOR UNLIMITED
TRANSFERS IF YOU USE
ONLINE BANKING OR 24-HOUR
ABCO FEDERAL CREDIT UNION PROVIDES THE ABOVE BENEFIT TO
OUR MEMBERS WITHOUT OPINION TO THE SERVICE PROVIDED.
SPLIT AND SAVE
• Share Draft Printing - New
price schedule depends on style
ordered. Check new price list.
IRS rules allow you to split your tax refund and
send direct deposits to as many as three different Complete Fee Schedule
accounts with three different financial institutions. The available at
new rules apply regardless of whether you file on paper www.goabco.org.
or electronically. Click on Member Services
For many families of all income levels, the and then
opportunity to direct their refunds to different accounts Schedule of Fees.
is a savable moment - an opportunity to build wealth. Questions:
The average refund check for the 2009 tax year was Contact your Local Branch
about $2,887. Even a portion of that would go a long or Member Care Ext.7600
way toward building an emergency cash reserve for firstname.lastname@example.org
unplanned bills and repairs.
In the past, many filers sent the windfall directly
to their checking account and spent it before the money
could be transferred to savings. Split refunds are expected to further boost the savings rate, which
in 2009 rose to 6.9 percent, the highest in 15 years.
Splitting your refund is easy. Use IRS Form 8888 to designate to which accounts and in what
amounts you want your refund disbursed. If you’re designating only one account, use the direct
deposit line on Form 1040. If you’re designating two or three different accounts, fill out and attach
Form 8888 to your individual filing form (1040, 1040A/EZ, 1040NR, or any of the 1040 series).
Use your ABCO Federal Credit Union’s Member Number
ABCO’s Routing & Transit Number is 2312-7827-4
Questions??? Contact any Branch Office or Member Care.
I Need Cash NOW!
Don't go to strangers,
BEWARE OF “INSTANT TAX REFUNDS”
we can help.
SMALL CREDIT BUILDER
It's a treat to get a tax refund from the Internal Revenue Service (IRS). But life can turn less rosy LOAN
if you lose your refund to a fringe lender. A fringe lender is a loan shark or scam organization that will No Credit Report – $300-$500 limit
take your tax refund as a "down payment" on a loan. But it's a loan you'll never be able to repay Easy qualifications – Fast Approval
because eventual interest rates can range from 40% to more than 700%.
Many fringe lenders are located in tax preparation offices, check-cashing outlets and other places. They offer Refund SIGNATURE LOAN
Anticipation Loans (RAL) If you don't have your refund check yet from the IRS, they will lend you the money now in exchange for With low rates and
your refund check once it arrives. While the fringe lender is waiting for your refund check, it will be charging excessive fees. flexible terms up to 48 months,
Millions of people every year pay these types of fees for a little convenience. With electronic filing (used by most major tax you'll find a payment to fit your budget.
preparers and available online) wait times have been dramatically reduced for tax refunds.
Take our advice. Wait the short amount of time it takes to get ALL your money back. If you're in need of cash now, ask your APPLY FOR A LOAN IN PERSON,
credit union for help. We offer a Small Credit Builder Loan with no credit report (see information on right) that provides a reasonable BY PHONE OR
rate for a short term loan. Don't go to strangers, go to ABCO! NEED CASH NOW? ONLINE @ www.goabco.org
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
CREDIT CARD ESS!
FREE Balance Transfers SETT
Up to your credit limit
LOW FIXED RATE
Rates As Low As 10.90%APR*
No Annual Fee For Most Cards
Apply in person, by phone or online @ goabco.org
*A rate a member pays is based on credit worthiness.
Other rates available to meet your credit needs.
THERE IS A BETTER WAY TO SAVE FOR RETIREMENT
Putting money in a box is safe but your retirement dollars do not grow.
And it’s always tempting to take some of that cash and use it for other things or not add to your stash.
There are SAFE ways to grow your retirement through an Individual Retirement Accounts at ABCO. It does not take a lot to open these accounts
and you can even set up a plan for regular contributions. All are insured up to $500,000 per member account. Ask us.
We have many other ways to grow your money. Our wholly-owned subsidiary CU Financial Insurance Group (CUFIG) can help you develop a plan
to meet your retirement needs. Contact CUFIG – Phone: toll-free 888-439-0770 Email: email@example.com
YOUR FREE CREDIT REPORT
Regularly checking your credit report enables you to keep track of your debts as well as check for errors and identity theft. Under federal law, you are entitled to a free copy of
your credit report from each of the three credit bureaus, Equifax, Experian, and TransUnion, once every 12 months. To obtain your reports, contact the Annual Credit Report
Request Service - www.annualcreditreport.com or call 877-322-8228. You can get all three at once or stagger your requests throughout the year.
Not sure how to read your credit report? Interested in building a stronger credit history?
As a benefit of your membership, you have access to BALANCE,
a free financial education and counseling service.
or log on to www.balancepro.net for more information.
IT O Your credit union is dedicated to helping you realize your financial goals. We have a
A BE ERS
free tool to help you weather today’s financial challenges – BalanceTrack - an online
personal finance education center. BalanceTrack allows you to explore at your own
O pace the essential elements of personal finance. Each of the learning modules is
Personal Finance Education Center interactive with links to helpful resources and has a quiz to allow you to test your
knowledge of the subject.
In addition to BalanceTrack, you also have access to free, unbiased money management information and financial counseling. All you have to do is make a toll-free phone call
to our partner, BALANCE, at 888-456-2227. A certified financial counselor can answer many of your questions immediately – from how long an item stays on your credit report
to whether it’s better to lease or buy a car.
For more complex issues, such as debt elimination or budget development, a telephone appointment will be scheduled – giving you the personal attention you need to meet your
objectives. If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan in which your creditors may reduce interest and fees so you can pay
your debt quickly and efficiently.
We recognize that money concerns have a serious effect on our quality of life. Now, via the web or via phone 888-456-2227, financial education is available to you free of charge
as a benefit of your membership in ABCO Federal Credit Union.
DINNER RESERVATION FORM
Price: Deadline: March 11, 2011
$25 per person Names of Members and Guests: Method of payment – Check one:
_____________________________________________________ Share Draft/Check Enclosed for $_____________
Please debit $___________ from my:
TUESDAY, MARCH 22, 2011
_____________________________________________________ Share Draft Account Share Account
6:30 pm, Meeting To attend
7:00 pm, Dinner you must return
_____________________________________________________ Member No. ________________________________
TOTAL NUMBER ATTENDING _______ @ $25.00 each
AMOUNT TO BE ENCLOSED OR DEBITED $ ________________
Bring form to: Any Branch Office • Fax to:(609) 518-6958 • Mail to: ABCO Federal Credit Union, PO Box 503, Rancocas, NJ 08073
876 Centerton Rd., March 11, 2011.
Mt. Laurel, NJ
2011 SCHOLARSHIP APPLICATIONS
Available To Youth Members
The Award: The New Jersey Credit Union League’s Youth Involvement Board (YIB) sponsors $1,000
scholarship awards to be paid jointly to the winning students and the chosen accredited educational
Bonus Awards: Your Credit Union also offers additional $1,000 Scholarships based on the YIB rating.
The number of Scholarships ABCO awards is based on a stipend by the Board of Directors and
donations to our Scholarship Fund.
Eligibility: The applicant must be a member in good standing of ABCO FCU and must be enrolled as a
high school senior at the time of application. Scholarship funds must be used: (1) for tuition or textbooks;
(2) only at an accredited educational institution (2 or 4 year college, university or technical school.)
Application Process: Eligible student members must complete the Scholarship Application and submit
C O N TA C T U S all the related material. You can download the information and application form by going online to our
website - www.goabco.org or from the NJ Credit Union League’s website – http://www.njcul.org/yib.aspx
You can also request printed materials from our YIB Representative Gina Lehman at our Rancocas
Selection Process: The judging of entries will be performed by YIB volunteers and will be based on
P.O. Box 247 • Rancocas, NJ 08073-0247
academic performance, extracurricular activities, community service/involvement, references, and
personal goals. Winners will be notified in early summer 2011.
TOLL-FREE PHONE NUMBER: 1-800-225-1859
Deadline: Scholarship Applications must be received by ABCO on or before April 1, 2010. It is
WEB SITE: www.goabco.org
recommended that you submit the materials a week before so that you do not miss the deadline date.
24/7 TOUCH-TONE TELLER: 1-800-808-2226
MEMBER CARE: Ext. 7600
Be Smart About
OTHER SUPPORT NUMBERS
Visa – Evenings, Weekends & Holidays
Visa Credit Card . . . . . . . . . . . . . . . . . . . . . . .1-800-453-4270
Visa ATM/Check Card . . . . . . . . . . . . . . . . . .1-800-523-4175
SKIP THE FREE T-SHIRT.
Online Banking & Bill Payer . . . . . . . . . . . . . .1-877-760-6004
Get An ABCO
The TV program guests told appalling stories. “I
owe more than $26,000 on my credit cards,” one
Insurance Services • Retirement & Financial Planning
said defiantly. Another, confessing that he liked to
Investment & Brokerage Accounts • Business Services
* Be realistic about your expenditures. If you’re
treat friends to expensive dinners out, admitted,
covering routine expenses with credit, you’re living
P.O. Box 221, Rancocas, NJ 08073-0221
“I’ve trashed my credit rating.” And another, insisting beyond your means.
she could manage her bills, said she had charged a
TOLL-FREE PHONE: 1-888-439-0770
* Understand the trap of minimum monthly
staggering $50,000 on 11 different credit cards.
payments. If you make a minimum payment – say
And the biggest jolt of all? These guests on TV’s the lesser of 2% of the balance or $25 – on a
Oprah show all were college students in their late $2,000 credit card balance, paying 18% interest,
WELCOME MORTGAGE (Reverse Mortgages)
teens and early 20s. Two of them already had you won’t pay off the balance for nearly 16 years,
Barbara Gallagher – 1-800-624-6752
declared bankruptcy. and you’ll pay $3,328 in interest charges.
Many of the student guests said they’d first gotten a
Mazzucco & Co., CPAs . . . . . . . . . . . . . . . . .(856) 234-7788
When the student and parents agree that he/she is
credit card at the sign-up tables at college ready to handle a credit card, talk to us at ABCO.
registration areas often with a free T-shirt or other Our Student VISA Credit Cards carry a low
ABCO Federal Credit Union provides the above services to members without opinion to
promo item. One young man, a student who’d interest rate and a credit limit that gives you the
the services provided.
worked registration as a recruiter for a national card convenience you need without putting you in a
Securities offered by Registered Representatives of ING Financial Advisers, LLC (IFA),
company, said, “[students] are the bait, and we’re lifetime of credit jeopardy. We also offer other
member SIPC. Investment Advisory Services offered by Investment Advisory Representa-
tives of IFA. Insurance sold through licensed insurance representatives of various
the sharks.” He explained that he earned points for financial services for students such as:
companies in association with CU Financial Insurance Group (CUFIG) a wholly owned
subsidiary of ABCO Federal Credit Union. ABCO Federal Credit Union and its subsidiaries
each student he signed up. Share Draft Checking Accounts and the
are not corporate affiliates of IFA. Nondeposit investment products are not federally
convenience of Free Online Banking, e-statements
insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any
All the participants said they’d learned some hard
affiliated entity, involve investment risks, including the possible loss of principal and may
and Bill Payer.
be offered by an employee who serves both functions of accepting member deposits
facts about using credit cards:
and selling nondeposit investment products. IFA products are not offered, recom-
mended, sanctioned or encouraged by the NCUA or the Federal Government. CUFIG,
P.O. Box 221, Rancocas, NJ 08073; phone 1-888-439-0770; fax 856-439-1199.
SIGN UP FOR
by end of
BE ENTERED INTO
A DRAWING FOR
Online Banking, Bill Payer and e-statements are all FREE from ABCO - no strings, no requirements.
Check out all the details at www.goabco.org
GREAT DEALS – SEE INSIDE
WARM UP TO OUR
P.O. Box 247, Rancocas, NJ 08073-0247
PERMIT No. 1230