nl summer08 by ps94506


									                                                                                                                                 July 2008

                         “Home” your next loan with one of Money One’s great home equity options!

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                           Home Equity Loan                                                            HELOC Prime

• Protecting Your ID
• Car Buying Seminar
  Offered                         Fixed Rate and Term                                                           Variable Rate
• Loans for Students                   As low as                                                                 As low as
  and Their Parents
                               4.50% APR*                                                               4.00% APR*
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                                   Up to 120 months                                                         (Prime minus 1%)
                                  No closing costs                                                   Your interest may be tax

• Worry-Free Vacations
• Prepaid VISA Debit               and no fees!                                                           deductible.**
• Online Bill Payment
  Now Free                   Consolidate bills, remodel                                                  *APR = annual percentage rate. Rate is

• Exclusive Auto Sale
                                                                                                          based on 80% loan to value. Minimum
                          your home, pay for college....                                                  draw $10,000. Other restrictions may
                                                                                                          apply. Rates may be higher depending
                          HOME aLOAN from Money                                                           on credit history. Prime Rate is 5.00% as

    PAGE 4                One today. Your Money One                                                       of 4/30/08. Member pays closing costs if
I                                                                                                         loan remains open less than 36 months.
• Summer Fun Prices
                          family is here for you day or                                                  **Check with your tax advisor.
  Heat Up                 night — apply online or visit
• Member Appreciation     our office.
• Rates

                            Congratulations to
                            our Children’s
 Looking for a
     ATM?                   Hospital of Boston
                            Raffle Winner!
 Visit our website at
    surcharge free             Kendra Johnson was our 1st prize winner in the
     ATM locations at       Credit Union Kids at Heart 20,000 Reasons to Smile
                            raffle drawing conducted on May 29. Raffle tickets          Debra Connors (r), President/CEO, presents the
     7-Eleven, Target,
                            were sold by numerous credit unions throughout the               first prize check to Kendra Johnson.
      Costco, CVS …
                            spring as a major fundraising event for Children’s
      to name a few.        Hospital of Boston. As a result, more than $13,200 was raised for the Hospital. Children’s Hospital
                            has been listed as one of the top pediatric hospitals in the country for 18 years in a row. The
                            hospital provides advance patient care and pediatric research – research that provides hope for
                            thousands of children who travel to Boston seeking the best, most compassionate care possible.

                                          The following are the prize winners and their respective credit unions:
                                         • First prize: $10,000, Kendra Johnson, Money One Federal Credit Union
                                                 •   Second prize: $7,500, Bob Servaes, Quincy Credit Union
                                                 •   Third prize: $2,500, Bob Hobson, Millbury Credit Union

                               On behalf of the Kids at Heart Program, thanks to each member who contributed to this worthwhile
Better Business Bureau: Top Five Ways to
Prevent ID Theft Online
    The good news is that ID theft is on the decline. The bad news is that ID theft still
affected 8.1 million Americans last year, according to Javelin Strategy and Research –
down 3.6 percent from 8.4 million in the previous year’s study. The average amount lost
per individual as a result of ID theft last year was about $5,500 for a total of $45 billion.
Despite the decline in reported ID theft, Better Business Bureau (BBB) warns that thieves
and hackers still lurk online and is offering advice consumers can use to protect their
personal and financial information.
    “ID theft prevention should always be on an individual’s mind when they are online,” said
Angie Barnett, president and CEO of BBB/Greater Maryland. “When it comes to protecting your
identity, an ounce of prevention is worth far more than the amount of money, energy, and agony
that goes into getting your life back to normal after your financial and personal information has been stolen.”
    BBB recommends consumers take the following five steps to prevent ID theft whenever they are online:

   1.    Don’t fall for a phishing e-mail. Phishing—using e-mail            3.  Be safe and secure when on the go. Computer users
or phone calls to pose as a trustworthy organization in order to        on the go should be wary of entering passwords or sensitive
coerce sensitive information from victims—is on the rise.               information into a computer that isn’t theirs, such as at an
According to a survey for Gartner, Inc., 3.6 million U.S. adults        Internet café, library, computer lab or airport kiosk. Hackers
lost money in phishing attacks in the 12 months ending in               can actually record their target’s keystrokes to learn passwords
August 2007.                                                            and other information.
    Phishing e-mails can look legitimate with graphics and
official logos of banks, government agencies, or credit card                4.  Guard personal computers with anti-virus, anti-
companies. The e-mails usually include hyperlinks that direct           spyware, and firewall protection. Opinions vary, but the
the victim to a Web site designed to install viruses and malware        amount of time it takes for an unprotected personal computer
or solicit bank account or Social Security numbers.                     to become infected with a virus or malware can range from
                                                                        four to thirty-four minutes. That’s why a computer must have
   2.    Create strong passwords and protect them. Developing           good anti-virus software, as well as anti-spyware and firewall
a habit of regularly changing passwords makes it much more              protection.
difficult for ID thieves to steal personal information. Some
passwords, however, are stronger than others. Attributes of a               5.   Only transfer information over a secure server.
secure password include a combination of numbers, capitalized           When it comes to giving out personal information online,
letters and even symbols. Consumers should never use sensitive          consumers should only do so on a secure server. On a secure
information for a password such as their Social Security                server, the information is encrypted as it is being transmitted;
number, mother’s maiden name or birthday.                               that way, others can’t read it if they should intercept it.
                                                                           For more trustworthy information go to

Make College a Reality
Get Your Student Loan from Money One FCU
   You know the value of a college education. Getting a college degree is a
worthwhile goal. College graduates make an average of one million dollars
more than those without college degrees ( But the
cost of a college education can be overwhelming for both students and
parents. That's why Money One Credit Union offers Federal Family
Education Loan Program (FFELP) loans. If you or another family member
plans to attend a university, technical college, or any specialized training
program, Money One can help you with the funding you need to pursue
your dreams. FFELP offers loans for students and parents.
Stafford Loans
   •   The subsidized Federal Stafford Loan is based on financial need. The government pays the interest while you are in school.
   •   The unsubsidized Federal Stafford Loan is not based on need but family income is a determining factor. You pay all the interest,
       although you can have the payments deferred until after graduation
PLUS (Parental Loan for Undergraduate Students) Loans
   •  Creditworthy parents of dependent undergraduate students can apply for this loan, which is not based on need.
   Visit our website at for complete guidance on the application process.

                             Free Car Buying Seminar
                                Sharpen your knowledge on the ins and outs of car buying. We will have a free seminar presented
                             by our partner, ABCD Buyers Club, on July 15, 2008 from noon until 1 p.m. Lunch will be provided.
                             Seating is limited. Please call 301-925-4600 x250 by July 11th to reserve your seat.
New! Prepaid Visa Debit Cards
Fund IT. Spend IT. Stay Within Your Limits… Announcing
our prepaid reloadable debit card!
   Now the power to manage your money is in your hands. You pre-fund your card with a specific amount of money. So you control
your spending, but you can re-load the card with more money at any time. It’s not tied to your checking or savings account. You can
only spend the amount on the prepaid debit card, so you never overdraw a checking account. You can use the card wherever debit
cards are accepted. It is also very safe. It’s much safer than carrying cash. The card is protected against unauthorized purchases and
can be replaced if lost or stolen.
   The reloadable prepaid card gives unlimited convenience, flexibility and peace-of-mind to traveling members, college students,
people on a budget, and those who simply don't like to carry cash. Features include in-branch load and reload, direct deposit
capabilities, personalization and online loading and tracking. Contact us to get your prepaid card today!

Great News! FREE Online
                                                                            Worry-Free Vacations
Bill Payment
                                                                            with Surcharge-Free
                                                                            ATM Withdrawals
   Now MoneyDirect Online Bill Payment is absolutely FREE
with Basic and Select Checking. MoneyDirect allows you to:

                                                                            AND DEPOSITS!
   • Schedule recurring payments
   • Schedule payments in advance
   • Save time in writing checks
   • Save on postage costs
   • Pay anyone anytime (unlimited)                                            As a Money One member, you know you don’t have
   • And more!                                                              to pay surcharges to withdraw money from your account.
   Don’t waste another minute of your valuable time.                        You can go to any one of thousands of ATM machines
Sign up for MoneyDirect today!
                                                                            displaying the Allpoint or CO-OP Network logos.

                        Iris D’Orsaneo, a Money One member
                     since 1986, won a $100 Marriott Gift                       Now, through the CO-OP ATM Network, Money One
                    Cheque in our quarterly online bill                     members can make check deposits at those 7-Eleven
                    payment promotion. You could be a                       Stores equipped with Vcom kiosks (as well as many other
                      winner too! Visit our website at                      deposit-taking ATM locations). Simply visit the nearest
             and watch for our                 participating 7-Eleven with your Visa Check Card.
                    next online bill payment promotion.
                                                                            Choose the “ATM” Option from the touch-screen and
                         CONGRATULATIONS IRIS!                              follow the instructions. (Note: Checks must be endorsed
                                                                            on the back in either blue or black ink or the machine
                                                                            may not take the check).
                                                                                To find the location nearest you, please visit our web
                                                                            site at and click on the Branch &
                                                                            ATM locator.

                                                                                    On your cell phone, now you can text
                                                                                 your address to MYCOOP and you’ll receive a
                                                                                 text message with the nearest CO-OP ATM

                                  Friday & Saturday
               JULY 24, 25 & 26
             Watch your mail for full details
                       and a list of dealers.
Board of Directors
                                                                                          HOT Prices on Summer Fun
James H. Stone, Chairman                                                     Discount Tickets – Save time and money!
Peter M. Marshall, Vice Chairman                                             Stop by our branch to purchase your
Donald A. Zettle, Secretary                                                  tickets today!
Kevin Beaufort, Treasurer
Bryan Caudle, Director
Robert Flaherty, Director
Cheryl Hawes, Director                                                               GATE ADMISSION
Jerry Pesterfield, Director                                                          Regular Price $49.99
Margaret D. Phillips, Director
                                                                                     Member Price $23.24
Supervisory Committee
Margaret D. Phillips, Chair
Jack L. Jacobs, Member
Archie Smith, Member

                                                                                   Member Appreciation Day
Debra P. Connors
Mail:                        PO Box 6398
                             Largo, MD 20792-6398                                                   August 21 – 10:30 a.m. – 2:30 p.m.
Office:                      9800 Technology Way
                             Largo, MD 20774                                                       We appreciate your relationship with us.
Telephone:                   301-925-4600                                                     Join us for our Annual Member Appreciation Day.
Toll-Free:                   800-638-0232
Fax:                         301-925-9077
                                                                                                 We’ll have hot dogs, fresh popped popcorn,
Internet:                                                                sodas, giveaways, and door prizes.
MoneyLine:                   301-925-4166
                             800-445-5513                            Lending Rates*
                                                                     Fixed                                       APR**
Visa Customer Service: 800-808-7230                                  Visa Platinum                                9.90%
                                                                     Visa Classic                               12.90%
Branch Hours:                                                        Personal                                     7.00%
9:00 a.m. - 3:30 p.m. Monday – Wednesday                             Education                                    7.00%
   (lobby and drive-thru)                                            Home Equity (up to 60 months)                3.50%
9:00 a.m. - 4:00 p.m. Thursday & Friday                              Home Improvement (up to 120 months)          7.00%                Loans
   (lobby and drive-thru)                                            Recreational Vehicle (new)
                                                                       90% up to 60 months                        5.00%                • Auto, Truck, Boat, Motorcycle and
9:00 a.m. - 6:00 p.m. Friday (drive-thru)
                                                                     Boat — 90% up to 60 months                   5.00%                  Recreational Vehicles
9:00 a.m. - 1:00 p.m. Saturday (lobby and
   drive-thru)                                                       New and Used Vehicles                                             • Personal
                                                                       100% 24 months                             4.25%                • Line of Credit/Overdraft Protection
Phone Hours: 8:30 a.m. - 4:30 p.m., Mon.-Fri.                          100% 36 months                             4.50%
                                                                                                                                       • Education
                                                                       100% 48 months                             4.75%
                                                                       100% 60 months                             5.00%                • Student Loans
Routing Number: 255077600
                                                                       Longer terms available with slightly higher rates.              • Fresh Start Loans
Holiday Closings:                                                                                                                      • Home Improvement
September 1 — Labor Day                                              Personal                                    11.55%                • First Mortgage
                                                                     Line of Credit or Overdraft Protection      11.55%                • Home Equity Loan or Line of Credit
Early Closing for Staff Training:                                    Home Equity Lines                     Prime –1.00%                • Share Secured
2nd Wednesday each month                                             Home Equity Lines (interest only)        Prime –1⁄2%              • Visa Credit Cards
1:00 p.m. Lobby, 1:30 p.m. Switchboard                               Share & IMMA Secured             Div. Rate + 3.00%
                                                                     Student Loans                         Call for rates.
Local CU Family Service Centers                                      *Rates are subject to change; call for current rates.             •   Savings Accounts
                                                                      Rates subject to credit qualifications.
Falls Church*                                                        **Annual Percentage Rate. Prime is 5.00% as of 4/30/08.           •   Holiday, Vacation, and Personal Clubs
1118 W. Broad St. 703-532-9200                                                                                                         •   Checking Accounts
Springfield*                                                                                                                           •   Insured Money Market Accounts
6314 Springfield Ave. 703-912-3933                                   Dividend Rates*                                                   •   Savings Certificates
                                                                                                                Rate           APY**
Marlow Heights*                                                      Savings                                    0.75%          0.75%   •   Federally Insured IRAs
4003 Branch Ave. 301-423-1391                                                                                                          •   Health Savings Accounts
                                                                                                                                       Other Services
                                                                     Select Checking                            0.10%          0.10%
Capitol Heights*
                                                                     Saving Clubs                               0.75%          0.75%
9001 Central Avenue 301-499-6880
                                                                     Insured Money Market Account (IMMA)                               •   MoneyLine Audio Response
Service Center Outlets:
                                                                       $20,000+            1.75%     1.76%                             •   MoneyLink Home Banking
Baltimore, MD           Clarksburg, MD                                 $10,000-$19,999     1.50%     1.51%
District Heights, MD Frederick, MD                                                                                                     •   MoneyDirect Online Bill Payment
                                                                       $2,500-$9,999       0.90%     0.90%
Gaithersburg, MD        Germantown, MD                                                                                                 •   eStatements
                                                                     NEW Premium IMMA
Glen Burnie, MD         Hunt Valley, MD                                                                                                •   Direct Deposit of paychecks
                                                                      $100,000+                                 2.04%          2.06%
Laurel, MD              Kensington, MD                                $50,000-$99,999                           1.79%          1.81%       and other recurring payments
Rockville, MD           Silver Spring, MD                             $25,000-$49,999                           1.54%          1.55%   •   CU Realty Real Estate Rebates
Alexandria, VA          Arlington, VA                                 $0-$24,999                                1.00%          1.01%   •   Visa Gift Cards (free)
Chantilly, VA           Fairfax, VA                                  Individual Retirement Account (IRA)                               •   Travelers Cheques
Fredricksburg, VA       McLean, VA                                     $20,000+               1.50%    1.51%                           •   Money Orders
Oakton, VA              Reston, VA                                     $2,500–$19,999         1.25%    1.26%                           •   Western Union Quick Cash
Washington, DC                                                         $1–$2,499              1.00%    1.01%
                                                                                                                                       •   Privilege Pay
For information on outlets as well as on                             Certificates                                          APY**       •   ATM Cards, Visa Check Cards and
national shared branches, access our website.                         6 months† ($10,000 minimum)             Call for rate                Prepaid Visa Debit Cards
                                                                       ($1,000   $1,000– $10,000– $50,000– $100,000+                   •   Car Buying Services
Hours:                                                                  minimum)  $9,999 $49,999 $99,000                               •   Investment Services
Visit our website for service center hours.                            1 year    3.09% 3.20% 3.30% 3.40%
                                                                       18 months 3.09% 3.20% 3.30% 3.40%                               •   Balance Financial Fitness Program
*24-hour surcharge-free ATM on site.                                                                                                   •   Access First Legal Services
                                                                       2 years   3.21% 3.31% 3.41% 3.52%
                                                                       3 years   3.34% 3.44% 3.55% 3.65%                               •   Surcharge-Free ATM Network
                                                                       4 years   3.60% 3.70% 3.81% 3.91%                               •   ATM Deposit Network
                                                                       5 years   3.75% 3.86% 3.96% 4.06%
                                                                     ***Rates are subject to change; call for current rates.
                                                                                                                                       •   Auto, Home, Credit, Life and Disability,
                                                                     ***Annual Percentage Yield                                            GAP, Long-Term Care & AD&D Insurance
                                                                     Other certificate rates as of 6/30/08.
                                         Federally insured by NCUA                                                                     •   Extended Warranties
MC97G5    6/08 13.5M VI 280964
                                                                                                                                       •   And More!

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