6.99 % APR * Money News LOANS VACATION. Rates as low as YOUR DESTINATION FOR

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Money News A Quarterly Publication Spring/Summer 16 YOUR DESTINATION FOR VACATION LOANS Rates as low as 6.99 % APR *» Borrow up to $3,500» Terms up to 24 months» Apply online at goabco.

Book Your Vacation with Credit Union Travel Club & Save! Summer s just around the corner and ABCO wants to help you go on vacation!

1 Money News A Quarterly Publication Spring/Summer 16 YOUR DESTINATION FOR VACATION LOANS Rates as low as 6.99 % APR *» Borrow up to $3,500» Terms up to 24 months» Apply online at goabco.org/vacation *APR=Annual Percentage Rate. Rates will vary based on creditworthiness. The current range is 6.99%-17.25% APR as of 06/01/16. Normal underwriting guidelines apply. New! Book Your Vacation with Credit Union Travel Club & Save! Summer s just around the corner and ABCO wants to help you go on vacation! In addition to our vacation loan to help you plan, we have a great new member benefit that helps you save money on travel around the world Credit Union Travel Club. Credit Union Travel Club combines technology and special pricing agreements to bring great deals on hotels, car rentals, cruises and more exclusively to credit union members. CUTC members save an average of $46 per hotel night booked when compared to the major online booking sites. There is no charge for membership in Credit Union Travel Club, and there are no service fees to book. To sign up, simply visit credituniontravelclub.com and click the Join tab. Use your address and the activation code ABCOTRVL. Happy travels! 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 goabco.org

MAILING ADDRESS P.O. Box 247, Rancocas, NJ 08073-0247 goabco.org PHONE (ALL LOCATIONS) 800-225-1859 MEMBER CARE Email: membercare@goabco.

..877-760-6004 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

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 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 Debit Cards to Be Reissued as Chip Cards We re pleased to announce we ll soon be issuing a new type of debit card called a chip card. Chip cards are payment cards that have an embedded chip. They offer cardholders advanced security when using the chip to pay in store, by making every transaction unique. Chip cards are virtually impossible to counterfeit or copy. If the card data and the one-time code are stolen, the information cannot be used to create counterfeit cards and commit fraud. Chip cards are becoming the industry standard here in the U.S. All ABCO debit cards will be reissued as chip cards over the summer. Look for your card to come in the mail. 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 BRANCH CLOSURES Independence Day Monday, July 4, 2016 Labor Day Monday, September 5, 2016 Important: Your new card will need to be activated before use by calling the number on the sticker on the front of the card. (Note: For security purposes, you must call from a number you have on file with the credit union.) If you have questions, please contact Card Services at , ext LOVE MY CREDIT UNION REWARDS Members have saved over $1.4 billion with Love My Credit Union Rewards. Start saving today at LoveMyCreditUnion.org ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

$3,065 Save Money with Energy-Saving Home Improvements! That s how much the average NJ homeowner spends on energy each year. 1 That s around $250/month.

If you make your home more energy efficient, you could save up to 20% or 30% on your energy bills, while also reducing your energy consumption, which is good for the environment!

Adding new or additional insulation to your ceilings, attic and walls, along with using caulking or weather stripping to make sure doors and windows are properly sealed, will help trap the cool air

3 $3,065 Save Money with Energy-Saving Home Improvements! That s how much the average NJ homeowner spends on energy each year. 1 That s around $250/month. That average is among the highest in the country. For the majority of homeowners, high energy bills are the result of insufficient energy conservation. If you make your home more energy efficient, you could save up to 20% or 30% on your energy bills, while also reducing your energy consumption, which is good for the environment! Here are some home improvements that could make a big difference in your energy bills: INSULATING YOUR HOME. Adding new or additional insulation to your ceilings, attic and walls, along with using caulking or weather stripping to make sure doors and windows are properly sealed, will help trap the cool air from air conditioning inside your home during the summer and help prevent cold drafts and air leaks to keep warm air inside during the freezing winter. REVAMPING YOUR WINDOWS. Your windows can greatly influence the temperature in your home. To cut back on air conditioning costs, consider tinting your windows. It s surprising how much unwanted heat you can keep out by having tinted windows. To reduce your heating costs, consider installing multiple-paned windows. Double- or triple-paned windows are great for keeping the heat in and the cold out. REPLACING OLD APPLIANCES. Older appliances are less energy efficient than newer models. Replace those old clunkers in your home with ENERGY STAR certified appliances. ADDING SOLAR PANELS. Adding solar panels to your house can help you cut down on energy costs by helping you produce a little bit of your own electricity. With these modifications to your home, you can reduce your energy consumption and your electric bills in no time! (Keep in mind, while these improvements might be costly at the onset, most of them will pay for themselves in just a few years and save you thousands in the long run!) 1 U.S. Energy Information Administration 2009 Residential Energy Consumption Survey Some article content provided by wikihow.com, a wiki building the world s largest, highest quality how-to manual. YOUR DESTINATION FOR HOME LOANS 1 APR=Annual Percentage Rate. This is the credit union s best rate. Rates will vary based on creditworthiness, term and the LTV (Loan-to-Value) on your home. 2 APR=Annual Percentage Rate. Subject to credit approval. Must be a homeowner to qualify. There is a $5,000 minimum for this loan. Documentation/estimates of work to be done to home must be supplied for disbursal. Other conditions may apply. HOME EQUITY LOAN Rates as low as 2.29 % APR 1 HOME IMPROVEMENT LOAN 6.49 % APR 2 THINKING ABOUT BUYING A HOME? The market s hot, and rates are low! Schedule a mortgage consultation today! an ABCO affiliate NMLS # Licensed by the New Jersey Dept. of Banking and Insurance almosthomemortgage.com

5 Year 7 Year Guarantee Period Base Rate 2.00% 2.40% 3-Month ICE LIBOR USD Rate 0.64% 0.64% Total Credited Interest Rate (1st Year) (Guarantee Period Base Rate + 3-Month ICE LIBOR USD Rate) 2.64% 3.

4 5 Year 7 Year Guarantee Period Base Rate 2.00% 2.40% 3-Month ICE LIBOR USD Rate 0.64% 0.64% Total Credited Interest Rate (1st Year) (Guarantee Period Base Rate + 3-Month ICE LIBOR USD Rate) 2.64% 3.04% This is a Single Premium annuity. Rates may be changed at any time without notice, and the rates set forth herein may not be available at the time of purchase. Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Annuities are not FDIC or NCUA/NCUSIF insured, are not guaranteed or underwritten by ABCO Federal Credit Union or its affiliates, and may lose value. For complete details about the Security Benefit RateTrack Annuity, please call A wholly owned subsidiary of ABCO FCU financial@goabco.org goabco.org

ABCO Donates to Rancocas Nature Center to Celebrate Earth Month This April, ABCO celebrated Earth Month by

The Rancocas Nature Center is situated on a 210-acre piece of the Rancocas State Park and features three

The Nature Center has been operating since 1977 and has been providing environmental education for the

schools, scouts, libraries, senior citizens, as well as the general public.

This April, we teamed up with the New Jersey Credit Union League to offer yet another Financial Reality Fair,

A Financial Reality Fair is a fun, hands-on way for high school students to learn about managing personal

Booths are set up in the high school to represent all of life s expenditures including housing, food,

5 ABCO Donates to Rancocas Nature Center to Celebrate Earth Month This April, ABCO celebrated Earth Month by making a $1,000 donation to the Rancocas Nature Center in Westampton, NJ. The Rancocas Nature Center is situated on a 210-acre piece of the Rancocas State Park and features three miles of hiking trails through varied habitats including meadows, forest and wetlands. The Nature Center has been operating since 1977 and has been providing environmental education for the surrounding community during that time, presenting programs both on- and off-site for groups including schools, scouts, libraries, senior citizens, as well as the general public. We are proud to support this local gem and help sustain their contribution to education and the environment, said Julia Bernd, Marketing Manager. To learn more about the Rancocas Nature Center s offerings or to make a donation, please visit ABCO Co-Hosts Financial Reality Fair at Willingboro High School Financial education is important to us. This April, we teamed up with the New Jersey Credit Union League to offer yet another Financial Reality Fair, this time at at Willingboro High School. A Financial Reality Fair is a fun, hands-on way for high school students to learn about managing personal finance. Students are asked to select a career and are then given a projected yearly salary. Booths are set up in the high school to represent all of life s expenditures including housing, food, transportation, entertainment and more. The students must make decisions about each of these areas while being conscious of their budget and financing options. The students walk away from the fair with a better understanding of budgeting, saving, credit cards and loans practical knowledge they can use to make sound financial decisions throughout their lives. ABCO FCU extends our thanks to the NJCUL for creating this program and to local teachers for seeing the value in this education.

Box 247 Rancocas, NJ 08073-0247 Federally insured by NCUA YOUR DESTINATION FOR AUTO LOANS 60 MONTHS 72 MONTHS Rates as low as 1.99 % APR * 2.

6 Spring/Summer 2016 Newsletter Vacation Loan, Credit Union Travel Club... 1 Chip Card Update, Holiday Closings... 2 Energy-Saving Home Improvements, Home Loans... 3 Floating Annuity... 4 Rancocas Nature Center Sponsorship, Financial Reality Fair... 5 Big City Efficiency Small Town Friendliness P.O. Box 247 Rancocas, NJ Federally insured by NCUA YOUR DESTINATION FOR AUTO LOANS 60 MONTHS 72 MONTHS Rates as low as 1.99 % APR * 2.49 % APR * NEW USED REFIS **» A variety of terms up to 72 months» Get pre-approved and shop with confidence» Affordable GAP & Mechanical Breakdown Protection available Apply online at goabco.org/autorefi *APR=Annual Percentage Rate. This is the credit union s lowest rate. Rates will vary based on creditworthiness, vehicle year and term. The current range is 1.99%-8.99% APR as of 03/01/16. Rates subject to change at any time without notice. Normal underwriting guidelines apply. Must be a member to apply for a loan. See eligibility requirements at goabco.org/join. **Some vehicles will not be eligible for refinance. ABCO vehicle loans are not eligible for refinance.

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

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