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Are
you looking around for financial services in all the wrong places?
When you're shopping for the best rates
and low or no fees, make the Credit Union
your last stop! You will find the competitive
rates you are looking for, and a broad
range of services geared toward your financial
success. More importantly, even when
the unexpected happens, you can rely on
the Credit Union to help. We know our
members, and understand how quickly
things can change. We step in when you
need help. When a bank or other financing
company would look only at the numbers,
we look at the whole person. What better
way is there of protecting your financial
future than to make your financial decisions
through the credit union?
Whether
you are looking for a loan or
other financial services, always think of the
Credit Union. Smart choices start at the
Credit Union - your partner in financial
success!
Annual
Meeting May 10, 2005
The North
Penn Federal Credit Union Annual Meeting will
be held on Tuesday, May 10th, 2005 at 12:30 p.m. in the lunch
room at the Credit Union office. Please join us and vote for your
Credit Union leadership.
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CU
Youth Week Is April 17-23
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Struggling
for economic prosperity is difficult for everyone.
It's especially hard for young people who've never
learned how to plan to achieve financial security. What we need today
is leadership to help raise the awareness of financial issues for young
people.
 The
staff and members of North Penn Federal Credit Union are ideally
positioned to respond because we believe in the power of education
put to practical use to improve the lives of our
neighbors and our community.
Our tradition of service and philosophy of self-help make North Penn
FCU and all credit unions a natural source of leadership in the fight
against financial ignorance.
Join us this year as we celebrate National Credit Union Youth Week from
April 17-23. Our theme for 2005 is: Want it ... Save it ...
Get it!
For more information, contact the Credit Union at (215) 822-9119.
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Consumer
Alert: Dangers of Phishing
to Internet Users
Gone are the days when you had only to fear your wallet being stolen.
In this high-tech age when everything there is to know about you can be
stored in the digital domain, protecting your identity means much more
than carrying your wallet in an inside pocket.
Phishing is a real threat to today's
consumers, and is a scam that uses Internet services to deceive you
into disclosing your personal information.
Phishers use email, spam and pop-up messages to
scare people into sending various types of account numbers, Social
Security numbers, passwords and other secure information to a
fraudulent address. These emails or pop-ups claim to originate from a
business or organization you are familiar with - for example, your
credit union, credit card company, or even a government agency, and
threaten consequences for not providing
this information. They may also tell you that your information is being
up-dated and to confirm before a certain date. Another similar scam
uses the phone to gather such information, and is called
pretexting.
 The
key to staying safe online and on the phone is to never disclose your
personal information unless you yourself have initiated the contact. If
you receive a call or email that you think might be legitimate, you can
call that company or organization by using a phone number that you
already have on file to confirm that the request came from them.
Your Credit Union will never attempt to collect your personal
information through email. Please report any such requests for your
personal information at once to the Credit Union. If you suspect that
you have been a victim of identity theft, whether through phishing,
pretexting, or by any another means, call the Federal Trade Commission
immediately at 1-877-FTCHELP. You can learn more about protecting
yourself from identity theft at the FTC website at www.ftc.gov/idtheft,
or by calling the number above.
Considering
a New Car Purchase?
Buying a new car is a BIG deal! As a major purchase in most
people's lives, it requires research, shopping and patience.
Your credit union wants to make the process as painless as possible, so
we're offering a few shopping tips to help make your next car
purchase a pleasant (and hopefully money-saving) experience!
- Budget
is the primary factor to consider before you actually start the
car-buying process. Be sure to include these expenses in your monthly
calculations: loan payment, insurance payment, gas, and periodic
maintenance.
- Once
you determine what you can afford, you can select a vehicle in your
price range that will meet your needs. Select option packages for the
greatest price benefit. Wherever possible, take advantage of rebates,
trade-ins, or other discounts offered through affiliations.
- If
you are financing your new vehicle purchase, it's important
to shop for the best rate, term and overall loan
package. Consider these features when looking for the best financing
option:
- Percentage
of purchase that can be borrowed
- Actual
rate being charged
- Term
- Monthly
payment
- Other
discounts/rebates that may apply if you don't finance with
the dealer
- Required
insurances or warranty packages to qualify for financing
- Total
amount of payments
- Don't
make impulsive decisions. If you've done all your homework,
you know what YOU want so don't settle for what a dealer
offers on the spot (and that goes for dealer financing, too!).
- If
you do go through with dealer financing, or if you have financed a
vehicle purchase through the dealer in the past, the credit union is
still an option. Simply come in and speak to a loan officer about
refinancing options through the credit union.
Call the Credit Union for assistance with your next new vehicle
purchase. Smart choices start at the Credit Union!
 The Motor Vehicle
Certification Program (MVCP) offers consumer information to members who
are purchasing a new vehicle. The Credit Union urges members to call
MVCP at 1-800-345-0990.
Holiday
Closings:
Memorial
Day
May 30
Independence Day
July 4
For additional online newsletters see below:
Fall 2001
Summer 2001
Summer 2000
Fall 2000
Winter 2000/2001
Spring 2001
Winter 2001-2
Spring
2002
Summer 2002
Fall 2002
Winter 2003
Spring 2003
Fall 2003
Winter
2004
Spring 2004
Summer 2004
Fall 2004
Winter 2004-05
Winter 2005
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Legal
Statement
©
Copyright 2004 North Penn Federal Credit Union All Rights Reserved.
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