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Fall 2001 Newsletter

Look at Our Best Car Loan Rates and Terms

Plus pay off your car, truck or recreational vehicle at
another institution with a 6.4% APR North Penn FCU loan.

When you purchased your last auto, why didn't you finance it with your Credit Union? We want
to buy back the car loan that you make with another financial institution! To do this, we are prepared
to make you an exceptional offer at unbelievably low interest rates. However, you must act now
because this offer may end before November 15th.

If you purchased a 2002, 2001, or 2,000 model year car, we will refinance your loan for the
number of months remaining at rates beginning as low as 6.4% APR*.

We want you to use North Penn FCU for all of your loan needs. We derive our highest income
from loans to members so that we can continue to pay higher dividend rates on savings than other
financial institutions can. Don't forget, you are an owner of the Credit Union.

If you are presently looking to purchase a new or used vehicle, be sure to call the Credit Union
office to get the lowest rate available. Invest the interest money you save in a North Penn FCU
share account where your money still earns some of the highest dividends available.

*Annual percentage Rates. Other terms and rates apply.

Catch Our Spirit
on International Credit Union Day

For 53 years, credit unions have set aside the third Thursday in October to celebrate International
Credit Union Day. Each year, it gives us an opportunity to remember our proud history as we
promote understanding and support for the credit union difference.

Member service is the foundation of the credit union movement. Whether a credit union is
providing a loan to help a member cover unexpected medical bills, giving financial counseling to
a member whose company closed its doors or simply offering a better deal on a used car loan, the
credit union is making a difference for its members and the community as a whole.

In the 2000 American Banker/Gallup Consumer Survey, credit unions ranked #1 again in
consumer satisfaction for 16 straight years. The survey gave credit unions higher ratings than banks
and other financial institutions on trustworthiness. This poll found more people who use credit
unions as their primary financial institution say the quality of their service is improving compared
to those who use banks.

This International Credit Union Day, let us take the opportunity to thank you for joining us.
Please don't hesitate to tell us how we're doing, and how we can provide even better service in the

Help us celebrate International Credit Union Day, October 18th. We look forward to seeing you!

Time to Open Your Christmas Clubs

Our new Christmas Clubs for 2002 will begin October 22, 2001. If you had a Christmas Club last year, you will automatically be enrolled for the same amount in 2002 unless you notify us to make a change.

Anyone who wishes to start a Christmas Club should send a slip indicating the amount you want deducted weekly from payroll. If you do not have payroll deduction, simply deposit what you want, when you want, to your account and it will be there for Christmas shopping in 2002.

Attention Members

The Credit Union Supervisory Committee is conducting its annual audit and account verification. Please compare the enclosed statement with your own records as of September 30, 2001. If you note any discrepancy, please write to our auditors at:

Informed Systems
P.O. Box 1313
Blue Bell, PA 19422

Please include a description of the discrepancy along with your account number, and refer to North Penn Federal Credit Union in your reply.

If you DO NOT note any discrepancy, no response is necessary.

For additional online newsletters see below:

Summer 2001
Summer 2000
Fall 2000
Spring 2001
Loan App.
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