Money News. with your high-fee checking account! You ll love ABCO FCU s checking accounts! Winter 17. A Quarterly Publication. goabco.

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1 Money News A Quarterly Publication Winter 17 with your high-fee checking account! You ll love ABCO FCU s checking accounts! Tired of your bank nickel and diming you with fees? A lot of people just think of the credit union as a place for their savings account, but the truth is we have great checking accounts, too! Most of our accounts have no monthly maintenance fee and there s no minimum balance requirement. We won t charge you to transfer money from another ABCO account to cover an overdraft either. But what about ATM fees? We ve got that covered also. We re part of the Allpoint network, the largest surcharge-free ATM network in the country. You can also bank from anywhere, anytime with our mobile app! So tell your big bank and their big fees to take a hike and stop by one of our branches or contact Member Care to open an account today. Member Care: (Press 0) Hours: M-F 8:45am-6:00pm Sat 9:00am-1:00pm Members have saved nearly $2 billion with Love My Credit Union Rewards! Start saving today at LoveMyCreditUnion.org goabco.org

2 MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE 24/7 TELEPHONE BANKING 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 OTHER SUPPORT NUMBERS Visa Evenings, Weekends and Holidays Visa Credit Card Visa ATM/Check Card Bill Payer ABCO Leaving Shared Branching Network April 28th A N N U A L M E E T I N G Tuesday, March 28, 2017 Time: 6:30pm - Meeting 7:00pm - Dinner Place: Carlucci s Waterfront 876 Centerton Road Mt. Laurel, NJ Price: $25 per person. Spouses, friends and guests are welcome. To attend you must return the Reservation Form at right by March 24, DINNER RESERVATION FORM Deadline: March 24, 2017 NOTICES The Board of Directors has decided that ABCO FCU will be ending its relationship with the CO-OP Shared Branching network on April 28th. Analysis indicated that the number of ABCO members visiting other credit unions was very small compared to the number of members from other credit unions visiting our branches. This decision will ultimately allow us to provide better and faster service to our membership. We apologize for any inconvenience this causes those members that did utilize the service. We encourage you to take advantage of our many convenience banking services including Online Banking, Mobile Banking, Mobile Deposit and Telephone Banking. A Note on Direct Deposit Tax Refunds Please be aware: For security reasons, we cannot direct deposit funds into an account if the name on the deposit does not match the name of the primary or joint accountholder(s). Please ensure all tax refunds are scheduled for direct deposit into owner accounts or contact us to add a joint accountholder. Thank you for your cooperation. ANNUAL MEETING RESERVATION Names of Members and Guests: TOTAL NUMBER $25.00 each AMOUNT TO BE ENCLOSED OR DEBITED $ Method of Payment Check One: Check Enclosed for $ Please Debit $ From My: Checking Account Savings Account Name Signature Date Bring form to: Any Branch Office Fax to: Mail to: ABCO Federal Credit Union, P.O. Box 503, Rancocas, NJ Or tickets@goabco.org ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

3 Have You Been Considering Refinancing Your Mortgage Or Purchasing A New Home? If you have been thinking about buying a home or refinancing your current home, you may not want to put it off much longer! Rates have been moving upward, with talk suggesting they will continue to go higher. If you are considering refinancing, the time may pass when it makes sense to do so. If you were hoping to lower your payment, shorten your term, or get cash out, you may miss the opportunity should rates continue to rise. When it comes to buying a home, keep in mind every rate increase takes thousands of dollars out of your buying power! If rates go up just 1%, the payment you could have for a $150,000 mortgage would get you only $133,000 instead. That is $17,000 less house for the same monthly payment! Even though rates have been edging up in the last couple months, there is still time to lock in an excellent interest rate. If you are considering refinancing, a 10-minute call can help you decide whether it makes sense in your situation. If you would like to purchase a new home, we can do a pre-qualification over the phone and schedule a time to sit together, go over the process, and get you pre-approved for no cost. Give us a call today! Mortgages processed by an ABCO affiliate: Almost Home Mortgage 714 E. Main St., Suite 2A Moorestown, NJ almosthomemortgage.com NMLS # Licensed by the New Jersey Dept. of Banking and Insurance Fixed Home Equity Loan Rates start at 2.29 % APR* HELOCs start at Prime ** Whether it s home repairs or buying that vacation oasis Dreams Your Dreamsare a Home Equity Loan Away Apply online at goabco.org/homeequity or contact the Lending Center *APR=Annual Percentage Rate. Subject to credit approval. This is the credit union s best rate. Rates will vary based on creditworthiness, the loan-to-value ratio on your home and the term. Rates and terms are subject to change at any time without notice. **The Annual Percentage Rate is a variable rate starting at prime for the first 12 months. The prime rate is based on the Wall Street Journal. The current prime rate is 3.75% as of 01/01/17. After 12 months, the rate will be prime or our floor, whichever is higher. Current floor is 4%. The maximum APR is 17%. There are no closing costs; however, third-party fees may apply depending on your individual situation. Contact us for details. Property insurance is required. Potential line of credit must be a minimum of $5,000; minimum monthly payment amount for credit line balance is $100. ABCO FCU NMLS #541573

4 Rates as low 2.24 % as APR* NEW USED REFINANCE APPLY, CHOOSE,, DRIVE Pre-Approved Auto Loans from ABCO FCU Apply online at goabco.org/auto or contact the Lending Center ABCO Lending Center , ext Hours: M-F 9:00am-6:00pm Sat 9:00am-1:00pm Give us a call today! *APR=Annual Percentage Rate. The rate you qualify for will be based on your creditworthiness, the term of your loan and vehicle year. The current range for auto loans is 2.24% % APR. 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. Normal underwriting guidelines apply. Must be a member to apply for a loan. Protect Your Auto Investment with Mechanical Breakdown Protection Did you know that one in three vehicles will experience some type of mechanical failure in a given year? According to ConsumerReports.com, The average 3-year-old car has 55 problems per 100 vehicles. Are you prepared for a mechanical breakdown with your vehicle? The ABCO Lending Center is proud to offer Route 66 Extended Warranties to our members! The Route 66 Extended Warranty is offered at a lower price than what you will find at most dealers and not only protects your investment from expensive mechanical breakdowns, but also comes with 24/7/365 Roadside Service, rental car benefits, nationwide coverage and more. With Route 66 Extended Warranty s Open Enrollment, you don t have to purchase your warranty at the time of purchase you can do so at any time during the life of the vehicle. You don t even have to have your auto loan at ABCO to purchase a policy! Contact us for a quote, or if you re taking out an ABCO auto loan, ask about an extended warranty. goabco.org

5 ABCO in the Community ABCO Donates to Food Bank of South Jersey ABCO celebrated Thanksgiving in November by making a $500 donation to the Food Bank of South Jersey. The Food Bank of South Jersey runs a large-scale food distribution program that annually links 10,420,000 pounds of food with over 240 charitable food providers, such as food pantries, soup kitchens and emergency shelters. The Food Bank of South Jersey assists approx. 200,000 individual clients and is the largest source of government and non-government food assistance in South Jersey. To learn more about volunteer and donation options for the Food Bank of South Jersey, visit ABCO FCU Scholarship Application Now Available For over 10 years, ABCO FCU has been awarding scholarships to hardworking students. Each year, we award five (5) $1,000 scholarships. Any high school senior who is also an ABCO FCU member may apply. Th e scholarship is an award to be paid jointly to the winning student and the student s chosen accredited educational institution. Scholarship funds must be used: 1. for tuition or textbooks; 2. only at an accredited educational institution (two- or four-year college, university or technical school). The judging of the entries is based on academic performance, extracurricular activities, community service/involvement, references and personal goals. The application can be downloaded at goabco.org/scholarships Please mail application packets to: ABCO Federal Credit Union ATTN: Scholarship Program P.O. Box 247 Rancocas, NJ Deadline: April 1, 2017

6 Winter 2017 Newsletter what s inside Checking Accounts You ll Love, Member Discounts... 1 Shared Branching Update, Annual Meeting... 2 Mortgage Refinancing, Home Equity Loans... 3 Mechanical Breakdown Protection, Auto Loans... 4 Scholarships, Food Bank Donation... 5 Big City Efficiency Small Town Friendliness P.O. Box 247 Rancocas, NJ Federally insured by NCUA Roll Over YOUR BALANCES TO OUR LOW-INTEREST CREDIT CARD & RECEIVE Hurry! Offer ends 3/31/17 FOR A LIMITED TIME Fixed rates as low as 7.49% APR ** No annual fee on most cards No balance transfer fee Ask us or apply online at goabco.org/visa