Money News A Quarterly Publication
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1 Money News A Quarterly Publication Fall Million Memberships Reached at Credit Unions Nationwide (Source: Credit Union National Association, 8/5/14) Credit unions have reached and surpassed 100 million memberships nationwide equating to one in every three Americans, the Credit Union National Association announced today. Clearly, there is growing recognition for credit unions among consumers, said CUNA President/CEO Bill Hampel. They increasingly understand that a credit union places their interests above all else, particularly in returning financial benefits to consumer members in the forms of lower rates on loans, higher returns on savings, and lower and fewer fees. He added that, in 2013, those financial benefits totaled more than $6 billion. In 2013, the Chicago Booth Kellogg School Financial Trust Index showed that consumers trust credit unions more than banks. The index, sponsored jointly by the Kellogg School of Management at Northwestern University and the University of Chicago Booth School of Business, showed trust in credit unions is 62%, while trust in big banks is 28%. Hundreds of credit union members have shared their credit union stories with their photos on americascreditunions.org and social media to show they are part of an organization that focuses on their best financial interests. Learn more at Join Us as We Celebrate International Credit Union Day On October 16, 2014, credit union members around the world will celebrate International Credit Union Day, an annual event to commemorate the credit union movement s impact and achievements. In honor of this special day, there will be giveaways at all nine ABCO FCU branches! Bring in a family member or co-worker to join! We ll waive the $10 membership fee and donate $10 to the ABCO Federal Credit Union Foundation, which provides scholarships for area students. Since 1948, International Credit Union Day has been celebrated annually on the third Thursday of October. Each year, the international event affords the opportunity to remember credit unions proud history and promote awareness of and support for the credit union difference. This year s theme, Local Service. Global Good ṬM, emphasizes credit unions positive impact in their communities and around the world. Credit unions are not-for-profit financial cooperatives that provide an effective and viable alternative to for-profit financial institutions. We exist to serve our members, providing a safe place to save money and access affordable loans. talk about savings. say hello to the Sprint Credit Union Member Discount. Learn more Call: 877.SAVE.4.CU Visit: Click: LoveMyCreditUnion.org/Sprint Thank you for voting us Best Credit Union in Burlington County 5 years in a row! Be sure to mention this code for your discount Consumer: NACUC_ZZM Business: NACUC_ZDS_ZZM Credit union membership validation is required. C onsumers Sa ve Businesses Sa ve 10 % 15 % or Credit approval req. Early Termination Fee (sprint.com/etf): After 14 days, up to $350/line. IL Discount: Available for eligible company employees or org. members (ongoing verification). Discounts subject to change according to the company's agreement with Sprint and are available upon request for monthly svc charges on select plans. Discount only applies to data buy-ups/add-ons for Unlimited, My Way and Framily plans, Talk 450, and primary line on Talk Share 700. Other Terms: Offers and coverage not available everywhere or for all phones/networks/plans. Restrictions apply. See store or sprint.com or Sprint. All rights reserved. Sprint and the logo are trademarks of Sprint. Other marks are the property of their respective owners. On select regularly priced Sprint monthly service. Plus, waived activation & upgrade fees (up to $36 in savings each). G et your FREE Love My C redit Union Rewa rds a pp a nd simplify c redit union membership va lida tion Sprint Item # CU Solutions Group goabco.org
2 Important Notice: Paper Statement Fee MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE 24/7 TELEPHONE BANKING OTHER SUPPORT NUMBERS Visa Evenings, Weekends and Holidays Visa Credit Card Visa ATM/Check Card Bill Payer OFFICE LOCATIONS WILLINGBORO AREA MAIN OFFICE FULL SERVICE BANKING CENTER 690 Beverly-Rancocas Road LENDING CENTER East Ridge Shopping Center 621 Beverly-Rancocas Road RANCOCAS VILLAGE 215 Main Street BRANCH OFFICES ATLANTIC CITY 2652 Atlantic Avenue BROWNS MILLS 81 Pemberton-Browns Mills Road COOPER HOSPITAL (Hospital Employees Only) 1 Cooper Plaza, Camden EGG HARBOR TWP Black Horse Pike, Suite 8 GLASSBORO Doubletree Center, 870 Delsea Drive MOUNT HOLLY 76R High Street RIDER UNIVERSITY Ground Floor of the BLC Next to University Bookstore FOR CURRENT HOURS OF OPERATION AND DIRECTIONS TO OFFICES Go goabco.org or call us. ABCO FCU s ROUTING AND TRANSIT NUMBER LIKE US Due to the increasing cost of providing paper statements, ABCO Federal Credit Union has found it necessary to implement a paper statement fee of $1/statement beginning October 1, The price of postage, paper, printing and processing paper statements adds up to be a significant annual expense. Remember that credit unions are not-for-profit financial cooperatives and, as a member, you are part owner of the credit union. Saving money allows us to return more money to members in the form of more services, better rates and lower fees. To avoid paying the paper statement fee, we encourage you to consider moving from a paperbased option to e-statements. E-statements provide the same information as paper statements and are securely available through online banking. Enrolling in e-statements will allow you to access up to 18 months of statements 24 hours a day/7 days a week. You can sign up for e-statements by visiting goabco.org/onlinebanking. Once you are registered for online banking, simply click on the estatements tab which will walk you through the short enrollment process. We are here to help! Visit goabco.org/estatements or contact Member Care at Note: Members under 18 and over 64 years of age will not incur the fee. ABCO FCU Donates to Operation Backpack for a Third Year This summer, ABCO Federal Credit Union and its members once again pulled together to help South Jersey s children start the school year off right by contributing to the Center for Family Service s Operation Backpack. ABCO was a corporate sponsor of the event and donated 50 backpacks, while ABCO members and employees contributed additional backpacks and hundreds of notebooks, folders, pencils, binders and more. Operation Backpack is a community-wide initiative that provides support to disadvantaged children and teens throughout southern New Jersey. The Center for Family Services provides the students in its programs new backpacks filled with school supplies at the start of each school year. ABCO Federal Credit Union and the Center for Family Services thank those who so generously donated. Board of Directors Nominations and Election Procedures Richard Ghaul, Ellen Kuiper and James Cotten have been selected by the Nominating Committee to fill three vacancies on the 2015 ABCO FCU Board of Directors. Additional nominations for the Board of Directors may be made by petition. If you are interested in being nominated by petition for one of the seats on the 2015 Board, please send your request in writing to: Secretary of the Board of Directors, ABCO Federal Credit Union, P.O. Box 503, Rancocas, NJ You will receive a packet of information explaining the procedure. This packet must be completed and received by close of business December 31, The 2015 Annual Meeting is scheduled for March 24, The election of two Directors will take place at that time. Nominations from the floor will not be entertained unless circumstances prior to the election result in an insufficient number of candidates for the vacancies. ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.
3 Join Us for a College Funding Seminar on October 16th Have a child in 6th to 11th grade? Learn why it is never too early to plan for funding higher education. College Funding Seminar For Parents and Students Date: Thursday, October 16th Time: 6:30 pm Place: Carlucci s Waterfront, Mt. Laurel Topics will include: Differentiating scholarships, grants, loans, etc. An introduction to the wide-ranging scope of scholarships When to start your search for scholarships Positioning yourself/your child for scholarships How and where to find scholarship information The basic scholarship application Financial planning Find out ways to maximize your savings and alternate ways to fund the expenses that scholarships and grants do not cover This fast-paced seminar is free to credit union members. Take-home materials will be made available. Advanced registration is required. Send an to seminars@goabco.org telling us your name and the number in your party. Sponsored By: Hold On To Education, a Burlington County Non-Profit Student Services Organization and ABCO Federal Credit Union Congratulations to our 2014 Scholarship Winners Last fall, ABCO Federal Credit Union announced its annual scholarship program for high school students planning to attend college in September of The scholarships were awarded based on scholastic achievement, extracurricular and community activities, teacher references and leadership qualities. Entries were submitted and forwarded for judging to the New Jersey Credit Union League s Youth Involvement Board. Our members participation in ABCO s Annual Scholarship Fund was such that our Board of Directors was able to issue five awards in the amount of $1,000 each. As participation in the Scholarship Fund Drive continues, so will the opportunities for future scholarship applicants. We are pleased to announce the five lucky winners (from left to right): Megan Reilly - Mt. Holly, NJ, The College of New Jersey Callan Tweedie - Glassboro, NJ, Rowan University Sean Patrick Kenney - Lumberton, NJ, Lehigh University Samuel Conley - Rio Grande, NJ, New Haven University Christopher Castellano - Northfield, NJ, University of Maryland (not pictured) Congratulations to all of our winners! The 2015 scholarship application will be available after the first of the year. Our Visa Rewards Program JUST GOT BETTER! Over 50 gift card options from popular retailers now available in our rewards catalog! Use your ABCO FCU debit or credit card for purchases and watch your points add up.* Earn one point for every dollar spent with your ABCO Visa credit card. 6,200 points = $50 gift card Track your point total and order rewards at scorecardrewards.com Earn one point for every two dollars spent with your ABCO debit card. (To earn points: Be sure to sign for your purchases when using your debit card.) *Points will not be awarded when refunds on purchases have been made. There is no fee to participate or redeem gifts. Not a cardholder? Ask your teller for an application or visit goabco.org to apply today!
4 Make Your Winter WISHES Come True! Holiday SKIP-A-PAYMENT Skip the December or January payment on your ABCO loan(s)!** A fee of $30 per loan applies. Return the form below or visit a branch and ask a teller. *APR=Annual Percentage Rate. Subject to credit approval. Some members may qualify for a lower rate. Rates based on credit worthiness. Jingle LOAN $1,200 for 12 months 12% APR* goabco.org/jingle SKIP-A-PAYMENT FORM: YES, I/we would like to Skip-A-Payment on my/our loan(s). Date Member Name Address City/State/Zip Account/Member No. Please deduct the $30.00 per loan fee from my (check one): Share Savings Account Share Draft Checking Account Other Account **Holiday Skip-A-Payment not available on mortgages, home equity loans, privilege pay loans, credit builder loans and Visa credit card payments. If you have more than one loan, you can skip the same month for all loans, December or January. DECEMBER (must be received prior to Dec. 10, 2014) JANUARY (must be received prior to Jan. 10, 2015) ONE LOAN: OTHER LOANS: IMPORTANT NOTICE: In order to enjoy the extra cash that Skip-A-Payment provides, all parties who signed the loan(s) must sign this coupon. Incomplete signatures will void your request and you will be required to make your regular scheduled payment(s). Your Signature Joint Signature By signing above, you authorize ABCO Federal Credit Union to advance your next loan payment date to the month following the one selected, thereby extending your repayment term. There is a $30.00 processing fee for each loan for which you elect to skip a payment. You authorize the credit union to deduct the fee(s) from any account that you have with the credit union that has funds available. Interest will continue to accrue on your loan during the month you skip your payment. If you have multiple loans, we will select the loan with the highest payment to skip unless otherwise directed. Return this form by mail, in person at any Branch Office or FAX to the Lending Dept. at goabco.org
5 Store it. And watch it grow. Retirement Planning Educational Planning Investing CUFIG can help. Schedule a consultation today financial@goabco.org Securities and investment advisory services offered through Voya Financial Advisors, Inc (VFA), member SIPC. Insurance sold through licensed insurance representatives of various companies in association with CU Financial Insurance Group, LLC (CUFIG) a wholly-owned subsidiary of ABCO Federal Credit Union. ABCO Federal Credit Union and its subsidiaries are not corporate affiliates of VFA. Nondeposit investment products are not federally insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any affiliated entity, involve investment risks, including the possible loss of principal and may be offered by an employee who serves both functions of accepting member deposits and selling nondeposit investment products. VFA products are not offered, recommended, sanctioned or encouraged by the NCUA or the Federal Government. P.O. Box 221, Rancocas, NJ 08073; phone ; fax CUFIG at ABCO FCU WE SHOP, YOU SAVE. Independent insurance agents can quote multiple insurance companies to make sure you are getting a great rate. And with great rates, excellent claims service, and 24/7 policy service, it s no wonder that independent agents sell more car insurance from Progressive than from any other company. T o g e t o r e x p e r t a d v i c e a n d a f r e e q u o t e t o d a y, stop in c a l l C UFIG at ABCO FC U. CUFIG at ABCO FCU 215 Main Street R a n c o c a s, N J a u t o a n d h o m g o a b c o. o r g Progressive Casualty Ins. Co. & affiliates, Mayfield Village, OH. 11P00927.BH (08/12)
6 Big City Efficiency Small Town Friendliness P.O. Box 247 Rancocas, NJ Federally insured by NCUA We can help you get there. SCHEDULE A MORTGAGE CONSULTATION TODAY Almost Home Mortgage is an ABCO affiliate. NMLS# Licensed by the New Jersey Dept. of Banking and Insurance WORRY-FREE AUTO LOANS None of the Stress. All of the Fun! Rates as low as 1.99% APR * for new cars, 2.49% APR * for used Mechanical Breakdown, Guaranteed Asset and Debt Protection available Bonus: Free Roadside Assistance for a year ** (For a Limited Time Only) Apply online at goabco.org/auto. *APR=Annual Percentage Rate. This is the credit union s lowest rate. Rates will vary based on credit worthiness. **Enrollment in Credit Union Auto Club Roadside Assistance will be included with all new and used auto loans from Sept. 23, 2014-Oct. 31, The loan applicant will be covered in addition to any joint applicant. Limited to (2) people. After one-year you will have the option of renewing at current Credit Union Auto Club rates which can be found at creditunionautoclub.com. Members will receive their Credit Union Auto Club membership packet days after disbursal of the loan. RV and motorcycle loans excluded from this offer.
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