Money News. Not an ABCO Credit Cardholder? New Credit & Debit Card. Attention, Credit Cardholders:

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1 Money News A Bi-Annual Publication 17 Spring/ Summer New Credit & Debit Card Rewards Program Now Available On June 21st our former rewards program, ScoreCard, was replaced with our new CUPerks Rewards Program! Any points our credit and debit cardholders had available on ScoreCard were transferred to the new program. We are happy to offer the following benefits to our members with the new CUPerks Rewards Program: Double the restaurant and store gift card reward options! You will now be able to redeem your reward points for gift cards at over 30 additional stores and restaurants including Barnes & Noble, HomeGoods, Lowe s, Applebee s, P.F. Chang s, and more! The ability to redeem points for concert, sporting, and other event tickets! Same day in-store pickup on select items In order to register for the new rewards program, please log on to abcofcu.rewardschoices.com and click Register. Remember, the more you use your ABCO debit or credit card, the more points you earn! (Members receive 1 point per $1 spent on the ABCO credit card and 1 point for every $2 spent on the debit card when you sign for your purchase. For full details, please visit goabco.org/perks. Not an ABCO Credit Cardholder? Apply online today at goabco.org/visa FEATURES: Rates as low as 7.99% APR* No annual fee on most cards Earn reward points with every purchase *APR=Annual Percentage Rate. Rates will vary based on creditworthiness. The current range is % APR as of 06/18/17. Rates and terms subject to change at any time. Attention, Credit Cardholders: Have you activated your new card? All ABCO credit cardholders were mailed a new EMV Chip credit card in May. Please remember to activate your card if you have not done so already. If you did not receive your card, please contact Card Services at ext Note: This message pertains to those with an ABCO credit card only. Debit cards were not reissued. goabco.org

2 MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE 24/7 TELEPHONE BANKING LIKE US OTHER SUPPORT NUMBERS Visa Evenings, Weekends and Holidays Visa Credit Card Visa ATM/Check Card HOLIDAY closing LABOR DAY Monday, September 4, 2017 ONLINE BILL PAY Changes Coming July 27 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 Ask to change your account to IDProtect ACCESS TO YOUR CREDIT REPORT & SCORE EVERY ON BALANCES OVER $1, % APY 2 PLUS, CELLULAR PHONE PROTECTION 3 IDENTITY THEFT PROTECTION SERVICE 1 90 DAYS ($4.95 monthly service charge) 1 Activation required. See full details at goabco.org/checking. 2 APY=Annual Percentage Yield. 3 When your bill is paid through our Protection Plus Account. CURRENT USERS: A LETTER WAS SENT TO YOU REGARDING THESE CHANGES. VISIT OUR WEBSITE FOR THE LATEST DETAILS. Protection Plus CHECKING ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

3 x snorkel x fins x goggles x floaty toy x vacation loan VACATION LOANS starting as low as 8.49 % APR* Borrow up to $3,500 for up to 24 months Apply online at goabco.org/vacation or ask us. *APR=Annual Percentage Rate. This is the credit union s best rate. Rates will vary based on creditworthiness. Subject to credit approval. The current range is % APR as of 04/01/17. Rates and terms subject to change at any time. Reminder: Notify Us When Traveling Visa monitors card activity, and sometimes if multiple transactions begin to take place in an area where you do not typically make purchases, they will suspect fraud. If this happens, they will try to contact you to verify you made the purchases. If Visa is not able to reach you, they may block the card. If you re going to be traveling out of your normal purchase area and will need to use your ABCO debit or credit card, contact us ahead of time to let us know so that we can ensure your card isn t blocked. Card Services can be reached at: , ext Teachers: Summer Pay Club Starts September 1 ABCO has been serving South Jersey teachers for over 50 years. Our Summer Pay Club is designed especially for you. The Summer Pay Club allows 10-month employees to put aside a certain amount each pay period to cover summer expenses. It is recommended you begin depositing in the club account on September 1. Come summer, the money can be transferred to your checking account in one lump sum on July 1 or every two weeks from July 1 to mid-september. To sign up, please stop by one of our branches. If you already have a Summer Pay Club, please let us know about any payroll deduction amount changes you would like for the school year by August 15. Back to School Loan $1,000 for 10 months at 10 % APR * Apply online at goabco.org/backtoschool or call ext Available July 15 September 30 Learn more at goabco.org/summerpay *APR=Annual Percentage Rate. Subject to credit approval.

4 Getting the Upper Edge in a Competitive Real Estate Market You may have heard on the news that the real estate market has become a sellers market. This is probably caused by a combination of factors: projections that rates will continue to rise, lack of homes available, and returning confidence in the real estate market. If you are considering buying a home, what should you do? Should you wait and see if more homes become available? Wait until you save more money or get a raise? The problem with that is if rates go up you could lose everything you saved while waiting. Just a 1% increase in interest rates could cost you more than 10% of your buying power. For example, if you want a $1,000 monthly principal and interest payment, that would buy you a $209,000 mortgage at 4%, but only a $186,000 mortgage at 5%. Our Very Own Ninja Warrior This summer our very own Clement Clint Sarion in our insurance division will be competing for the second time in the American Ninja Warrior competition on NBC! Clint has been training vigorously in order to qualify and was one out of only 780 selected out of 75,000 to compete! We re pulling for Clint to win the grand prize, but win or lose, we are proud of Clint if for no other reason than the fact that he s a really nice guy! Look for him on NBC s American Ninja Warrior this summer. So if waiting may not be beneficial, how do you get the upper edge in this competitive market? The answer is get pre-approval! A pre-approval means you have completed a mortgage application, supplied income and asset documentation, and are ready to buy. Unlike a pre-qualification, the agent and seller know your information has been verified and you will be able to finance their property. This will make your offer stand out from others because everyone will know you are approved and ready to go! If you re interested in getting pre-approved for a mortgage, our affiliate, Almost Home Mortgage, can help! They will go over basics and discuss pre-qualification and the pre-approval process over the phone. Should you decide to set up an appointment, they will sit with you, go over the application, the types of loans available to you, and how factors such as taxes can change your buying power until you find an option that makes you comfortable. Call today! Mortgages processed by an ABCO affiliate: Almost Home Mortgage E. Main Street, Suite 2A Moorestown, NJ NMLS# Licensed by the New Jersey Dept. of Banking and Insurance Members have saved nearly $2 billion with Love My Credit Union Rewards! Start saving today at LoveMyCreditUnion.org goabco.org

5 FIVE N J PA R K S to visit Some people think of New Jersey as just the turnpike, diners, and strip malls, but residents know NJ has more than its fair share of stunning natural beauty! Summer is a great time to check out these beautiful parks nearby. Palmyra Cove Nature Park Palmyra, Burlington County Bring your camera and explore 9.5 miles of trails in this 250-acre natural area home to a variety of birds, butterflies, dragonflies, and other wildlife! Visitors can also check out the Discovery Center open daily. Smithville Park Eastampton, Burlington County This 312-acre park features a diverse collection of habitats and terrain. With upland forests and meadows, freshwater streams and wetlands, creek shoreline and the 22-acre Smithville Lake, visitors can enjoy hiking, biking, fishing, and canoeing in an idyllic, natural setting. Bring the kids there s a picnic area with grills and a playground on site! Mannesquan Reservoir Howell, Monmouth County Spend a day at this beautiful and unique spot in southern Monmouth County! The 770-acre Reservoir is part of a larger 1,208- acre site that includes woods and wetlands, a 5-mile perimeter trail, fishing and boating areas, and a Visitor Center. No need to load up the car kayak, rowboat, and bicycle rentals available! Edwin B. Forsythe National Wildlife Refuge Oceanville, Atlantic County This refuge in Atlantic County is a great option for those with mobility issues, or those who just want to enjoy wildlife from the seat of their car. While hiking and biking are permitted, the most popular place to view wildlife in the refuge is the Wildlife Drive. This 8-mile, one-way, unpaved road leads you through beautiful wetlands and woodlands where you re sure to see lots of waterfowl and shorebirds. Cape May Point State Park Cape May Point, Cape May County There s something for everyone at this natural area at New Jersey s southernmost point. Climb Cape May lighthouse, view wildlife from the observation platforms, check out a WWII bunker, go surf fishing, or just relax on the beach! GET OUTSIDE! Loans for Boats, RVs, Motorcycles For more information or to apply, visit goabco.org/vehicle or contact the Lending Center

6 SPRING/SUMMER NEWSLETTER what s inside Big City Efficiency Small Town Friendliness P.O. Box 247 Rancocas, NJ Federally insured by NCUA New Rewards Program, EMV Chip Credit Cards...1 Online Bill Pay Changes, Protection Plus Checking...2 Vacation Loan, Summer Pay Club, Back to School Loan...3 Mortgage Pre-Approval, Our Ninja Warrior...4 NJ Parks, RV/Boat/Motorcycle Loans...5 AUTO NEW USED REFINANCE ** LOANS starting as low as 2.79% APR * Apply online at goabco.org/auto or ask us. *APR=Annual Percentage Rate. Subject to credit approval. Rates will vary based on creditworthiness, vehicle year and term. The current range is 2.79%-11.29% APR as of 04/01/17. Rates and terms subject to change at any time without notice. **Some vehicles will not be eligible for refinance. ABCO loans are not eligible for refinance.