The Focus

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      ou shouldn’t have to pay in order to      Specialists will be able to provide advice
      save for retirement. At Citadel,          on which IRA is the best option for you.
      IRAs not only have great rates and                                                      With a Roth IRA –
returns, but they also have no annual           A Traditional IRA vs. a Roth IRA –            • Contributions are not tax-deductible
                                                Which is Better for You?
maintenance fees.                                                                             • There is no mandatory distribution age
    If you are tired of getting hit with            Deciding whether to open a ROTH           • If all rules and regulations are followed,
annual maintenance fees on your                 IRA or Traditional IRA? A Citadel IRA           earnings and principal are 100% tax free
retirement plans, then there is no better       Specialist will be happy to explain the       • Only single-filers making up to $95,000
way to save money than to consolidate           advantages and disadvantages of each.           or married couples making less than
them into one plan. Citadel can assist          Here is a brief breakdown of the differ-        $150,000 combined are eligible
you in moving your funds into an account        ences between current IRA options:            • Principal contributions can be
with no annual maintenance fees.                With a Traditional IRA –                        withdrawn at any time without
    With tax day right around the corner,       • Contributions may be tax-deductible           penalty. (Some conditions may apply)
there is no better time than now to find        • Withdraws can begin at age 59 1/2                If you are eligible to contribute to
out how you can save with a tax-deferred          and are mandatory by 70 1/2                 both types of IRAs, here is an easy way
IRA. Citadel has specialists that can assist    • Earnings are taxed when they are            to decide.The traditional IRA is best if
you with providing the right expertise            withdrawn                                   you need a tax deduction now. Choose
and guidance necessary to sort through          • No income restrictions on who can           a Roth IRA if you would prefer to save
the many IRA options available.                   open one                                    on taxes when you retire.
    For one day only, on April 15th,            • All funds withdrawn before 59 1/2                To open an IRA account or
Citadel will keep several offices and our         are subject to a 10% penalty (some          to discuss your retirement options,
Contact Center open until 9 p.m. for last         exceptions may apply)                       call us at 800-666-0191.
minute IRA contributions. Our IRA

                              For last minute IRA contributions, the following offices and our Contact Center
                                           will remain open until 9:00 p.m. on Tuesday,April 15.
                           Thorndale                   South Coatesville           Eagle                     Springfield
                           40 N. Bailey Road           135 Modena Road             39 Pottstown Pike         783 W. Sproul Road
                           Thorndale, PA               Coatesville, PA             Chester Springs, PA       Springfield, PA
                           19372                       19320                       19425                     19064
                                               Details of April 15th prizes and surprises to be announced soon!
                                              Jeff March Named Businessman of the Year

                                                    he Great Valley Regional Chamber of     Great Valley region is one of the nation’s
                                                    Commerce presented Jeff March,          premier locations for business develop-
                                                    President and CEO of Citadel, with      ment, and I’m grateful that Citadel’s role
                                              the 2008 Businessman of the Year award        in the area has been recognized.”
                                              at their eighteenth annual Profile Awards         The Chamber’s annual reception,
                                              Dinner. Key components of this award          dinner and awards honor area business
                                              include superior company growth and           professionals and companies for their
                                              community involvement in Chester County.      performance and outstanding contribu-
                                                  “I am honored to be the recipient of      tions to the community in the Great
                                              this year’s award,” said Jeff March. “The     Valley Region.

                                                                                            a tiny rate. Our rates are fair and afford-
Credit Unions                                                                               able and do not come with excessive
are the Best                                                                                rate premiums. In fact, Citadel’s jumbo
                                                                                            mortgage rates are among the best in
Deal Around                                                                                 Southeastern PA.
                                                                                            Here are a few things to keep in mind
                                                                                            when looking for the right mortgage:

      ccording to and (March 2,                                                       • Approach jumbo mortgages with

      2008), credit unions have the best            ooking for a jumbo mortgage at a          caution; they will place you under
deals, beating banks in every category. As          tiny rate? If you are in the market       greater financial pressure.
an example, they noted that, on average,            for a new home and your mortgage        • Obtaining a jumbo loan requires that
credit card interest rates issued by credit   will be more than $417,000, you will need       you have exceptional credit.
unions were 12.4%, 2.5 percentage points      to take out a jumbo mortgage. Many            • Work with an experienced mortgage
lower than the average bank card.             homes in Chester County fall into this          professional to ensure that you are
    As a benefit to our members, Citadel      category. Unfortunately, most financial         making a sound financial decision.
offers rates even lower than that credit      institutions will charge you up to 3/4 of a       To find out about Citadel’s jumbo
union average. Qualifying members can         percent more for a jumbo mortgage. At         mortgages, visit
receive a Citadel Platinum MasterCard         Citadel, you can get a jumbo mortgage at      mortgage today!
with an interest rate as low as 9.99%
APR. Plus, for a limited time, balance
transfers to a Citadel MasterCard are
free. As an additional bonus, you will        Need a Home Improvement?
receive $25 for every $1,000 that you
transfer to a Citadel card up to $250!

                                                  pring is here! It’s that time of year     affordable payments, Citadel makes it easy
Call us today at 800-666-0191                     again – time to make those much           for you to make your home improvement
or apply online at                 needed home improvements. Need            dreams a reality. Plus, for a limited time,
                                              new windows? Have a leaky roof?               Citadel is waiving the application fee for
                                              Dreaming about that in-ground pool?           all home equity loans. Call a trusted
                                              What about a new gourmet kitchen?             Citadel loan advisor today at 800-666-0191
                                              There’s never been a better time to make      to ask about our home equity loans or
                                              your home improvements with a Citadel         visit us at
                                              home equity loan. With great rates and        for more details.
Achieve Your Financial Goals –
Free Personal Financial Planning Guide

      et’s face it – financial planning is not   meet with you for a free no obligation
      at the top of people’s “Most Fun”          consultation. The consultation will begin
      list. But, the peace of mind and           the creation, design and implementation
financial security that result from a plan       of a plan that is in your best interest.
outweigh any initial worries. Best of all –      And, conveniently, the consultation can
Citadel is here to help you get started!         take place at any one of our Citadel
Financial planning involves several steps.       branch locations.
Each one is important, and all must be
coordinated in order to succeed. The             Special Offer: Free Personal
                                                 Comprehensive Planning Guide
four main steps in the process are as

follows:                                              Citadel provides a complimentary                        aking out a loan means one of your
• Know where you stand today –                   Comprehensive Personal Planning Guide                        dreams is about to come true – a
   Evaluate your current situation               with each consultation which serves as a                     new car, boat or home improve-
• Decide where you want to be                    great resource for the novice or expert                ment. But, what happens to your dream
   in the future – Set your goals                investor.                                              when the unexpected hits? How can you
• Develop a plan and put it into effect –             To make an appointment for a                      make sure your family won’t shoulder the
   Put your plan together                        financial planning consultation please feel            financial burden of making loan payments
• Monitor your plan regularly to ensure it       free to stop by your local Citadel office,             when you can’t?
   continues to meet your needs                  call us at 800-666-0191 or visit us online                 Now you don’t have to lie awake at
     Citadel can provide the assistance          at                          night worrying. Starting May 1, 2008,
and guidance you need to get started                                                                    Citadel will offer a new Payment Protec-
                                                 Investment products and services offered through
with your plan. Through its award-               CUSO Financial Services, L.P., (CFS), an independent   tion plan, a voluntary protection program
                                                 broker/dealer, are not NCUA/NCUSIF insured, not
winning CUSO Financial Services Invest-          Credit Union guaranteed and may lose value. Citadel    that can pay off your eligible loan balance,
                                                 is in partnership with CFS. Representatives are        up to the agreement maximum, should
ment Division, our accredited and licensed       employed by Citadel and registered through CFS.
Financial Services Representatives will          (Member FINRA/SIPC)                                    you die prior to paying off your loans.
                                                                                                            In addition, if you become disabled
                                                                                                        due to a covered illness or injury, or
                                                                                                        become involuntarily unemployed,
                                                                                                        Citadel’s Payment Protection can pay
                                                                                                        your monthly loan payment, up to the
                                                                                                        agreement maximum.
                                                                                                            With Citadel’s Payment Protection,
                                                                                                        you buy only enough protection to cover
                                                                                                        your loan balance. That saves you money.
                                                                                                        Protection plans will be available for:
                                                                                                        • Consumer loans
                                                                                                        • Home equity loans
                                                                                                        • Credit cards
                                                                                                        This is a summary of our Payment Protection program.
                                                                                                        Enrollment in the program is voluntary and not required
                                                                                                        to obtain a loan. Our Payment Protection program is a
                                                                                                        debt cancellation product available through Citadel
                                                                                                        Federal Credit Union. Please contact your Citadel loan
                                                                                                        representative, or refer to the Member Agreement for
                                                                                                        additional information on benefit maximums, eligibility
                                                                                                        and limitations.
Citadel’s Security Pledge

      itadel is committed to protecting                numeric and special characters. Make
      the privacy of our customers’                    every effort to change these passwords
      personal and financial information.              regularly.
We regularly upgrade existing and/or                       Be cautious of current phishing and
implement emerging security technologies               other online fraud activities, especially
to ensure that our customers can                       e-mails seeking validation of your user
                                                                                                              Pictured from left to right: Springfield Branch
conduct business safely and securely                   credentials. Additionally, you should                   Manager Dianna Armstrong,Winner Timothy
                                                                                                           McAleavy, Consumer Lending Manager Frank Scheidel
over the Internet.                                     never send confidential information over
    Information retained within Citadel's              Internet-based e-mail networks (Hotmail,
web-based infrastructure is secured using              Yahoo, Gmail, etc.). Regularly check to
the strongest encryption technology                    see if your personal firewalls, anti-virus         The winner is…
commercially available. Citadel leverages              and anti-spyware applications are current.
a layered approach to securing our                         When you have completed your
                                                                                                          Timothy McAleavy of Drexel Hill
customer’s activities over the Internet,               transactions, be sure to click the log-off
                                                                                                          was named the winner of Citadel’s
realizing there is no single solution that             button when leaving an online banking
                                                                                                          MasterCard Payoff promotion. He
affords the most secure environment.                   website and exit the Internet browser.
                                                                                                          was presented a $1000 check in
You can be assured that when you are                   If you are accessing these sites from a
                                                                                                          February by Citadel’s Springfield Branch
transacting business on Citadel's online               public PC, be sure to clear the browser’s
                                                                                                          Manager Dianna Armstrong as well as
banking systems, security is our primary               search history and the “cache”.
                                                                                                          Citadel’s Consumer Lending Manager
concern.                                                   Additionally, Citadel feels it is
                                                                                                          Frank Scheidel.
                                                       essential to provide our customers
Protecting Yourself                                    with the knowledge-base to protect
While Citadel strives to secure the infor-             themselves from financial fraud and
mation housed on our systems, cus-                     scams. We have developed a security
tomers should exercise great care when                 website loaded with information includ-            Free ATM Access
accessing their personal records via the
Internet. Never share your User IDs and
                                                       ing current scams, protection tips and a
                                                       glossary of terms. Visit the site today and
                                                                                                          Available at Florida
passwords with anyone. Ensure passwords                get the knowledge to protect yourself!             Walgreens
used for accessing online banking systems    
are considered “strong” – using alpha,                     Our goal at Citadel is to provide you

                                                                                                               acationers and snowbirds traveling to
                                                       with the highest level of service, security             Florida now have free ATM access at
                                                       and useful products. In order to do so, it              Walgreens stores throughout the
                                                       is important that we have your current             sunshine state.
                                                       contact information and preferred                      Citadel members
                                                       method of contact. There are several               can use more than
                                                       reasons why it would be important for              25,000 ATMs
                                                       us to contact you including a security-            surcharge-free
                                                       related issue with an account or valuable          in addition to
                                                       product offers. Please ensure that                 those in Costco
                                                       your contact information is correct and            stores and Florida’s
                                                       updated by stopping in to one of our               Walgreens. Just look for the ATM
                                                       offices or logging on to PC Banking.               machines with the CO-OP logo.

The FOCUS is published quarterly by Citadel. Reproduction is prohibited without written permission.                        
Writer/Editor: Kristianna Del Grande ( • Graphic Artist: Mary Fisher                                   800.666.0191

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