Join in the fun as more than 40,000 credit unions around the world celebrate International Credit Union Day on Thursday, October 21,2004. Established 55 years ago, this day gives us the opportunity to remember a
proud history of service and dedication to some 120 million credit union
This year, the theme for International Credit Union Day is
Dream... Belong... Achieve. Your membership in the Credit Union
puts you in the center of a movement committed to serving... you!
Whatever time in life you find yourself, your Credit Union is here to
offer services and assistance to realize your dreams. From a child saving
for a new bike, to college students opening a checking account, to
purchasing a new home and retirement planning, the Credit Union is
dedicated to your success.
This International Credit Union Day, we are excited to play a part
in your dreams and achievements. As we celebrate, we reflect not only
on the tremendous success of the credit union movement, but also on
your accomplishments and future ambitions!
This International Credit Union Day, let us take the opportunity to thank you for joining! Please don’t hesitate
to tell us how we’re doing, and how we can provide even better service in the future.
It’s That Time of Year Again –
Open Your Christmas Clubs For 2005
The new Christmas Clubs for 2005 will
begin on October 18th. If you had a Christmas
Club last year, you will automatically be
enrolled for the same amount in 2005 unless
you notify us to make a change.
Any member who wishes to start a new
Christmas Club should contact any Credit
Union representative. You can have payroll
deduction or you can simply deposit what you
want, when you want to, into your Christmas
Club account, and it will be there for your
Christmas shopping in 2005.
Personal Loans from the Credit Union
In a financial pinch for the winter holidays? Turn to the Credit
Union for your borrowing needs. Our Personal Loans provide
you with a quick and easy way to get the cash you need, when
you need it. Take advantage of the North Penn FCU “Holiday
Loan Special”! You can borrow as little as $500 up to a maximum
of $2,000 for a term of 12 months at a rate of 9.99% APR*.
When it comes to obtaining a loan, visit or call the Credit
Union for the simplest loan available. We have a variety of borrowing
options to satisfy any need. We are always happy to serve
our members, and look forward to providing you with straightforward
solutions to achieve your financial goals.
*Annual Percentage Rate to qualified borrowers. Other terms, conditions and rates
Free Checking Isn’t Always Free
Shop and Compare Checking Account Options
With the fast pace of life these days, it’s easy to overlook
the fine print. Many banks offer “free checking,”
but there’s almost always a catch. When shopping for
your checking account, here are several questions to
ask that will help you determine whether the account
offered will really serve your needs, and how much it
will cost you in the end.
Account Requirements and Restrictions:
• Is there a minimum balance requirement? Some
banks require a minimum balance of $5,000 or more
in order to receive their free checking benefits!
• Is direct deposit of your net paycheck required?
• Does the free checking offer expire? Many offers
are made on a one-year term.
• Are you required to purchase your checks directly
from the bank? If so, you may find that you have to
pay as much as 3 times the outside rate for your
• How many checks do you write in one month?
Many so-called free checking accounts restrict your
check-writing, requiring you to pay fees for each
Services that may or may not be included:.
• Credit/Debit Cards
• Overdraft Protection
• 24-Hour Phone Access
• Online Bill Pay
Be sure to carefully review the services and fees that
any new account will include. These services are listed
in the Fee Schedule, which you can obtain at every financial
institution. Save yourself time, aggravation and
money by taking the time to carefully review the fine
print before opening your accounts. Be sure to compare
bank offers with your Credit Union! Our main
goal is to offer services to save, rather than take, your
Fall Festival of Savings!
Enterprise Auto Sales is having their “Members
Only” sales event at the Montgomery Mall in October.
See the enclosed flyer for all details regarding
the sales event.
North Penn FCU is celebrating our members by
offering special financing rates for the Enterprise
Auto Sale. We will finance up to 100% of the purchase
price of any vehicle at this Sales Event, not
including any warrantees, at the following terms and
4.00% for loan terms of 12 to 48 months.
4.75% for loan terms of 60 months.
Call the Credit Union today to get pre-approved
for the Enterprise Sales Event.
Columbus Day Monday,
October 11, 2004
Veterans' Day Thursday,
November 11, 2004
Thanksgiving Day Thursday,
November 25, 2004
Christmas Eve Friday,
December 24, 2004
New Year's Eve Friday,
December 31, 2004
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Statement © Copyright 2004 North
Penn Federal Credit Union All Rights Reserved.