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Spring Fling Loan Sale

Been thinking of doing a few home improvements or making a major purchase? Now is the time to take advantage of incredible rates on Fixed Home Equity Loans from your Credit Union. Get up to 80% loan-to-value (maximum loan of $75,000).

If it’s a new car you’re in the market for, we offer 100% financing on 2008, 2009, and 2010 vehicles. With vehicle financing from the Credit Union, you can qualify for dealer cash rebates and many other perks. You can also refinance your present car loan from another institution at these low rates, so be sure to visit the Credit Union first.

Enjoy the same low rates for
either a Fixed-Rate Home
Equity Loan or a New Vehicle
Loan with terms to fit almost
any budget.
4.00% APR* for 48 months
4.25% APR* for 60 months
4.75% APR* for 72 months

*APR = Annual Percentage Rate. Rates are determined by credit scoring system and are subject to change.

These rates are being offered for a limited time only. Contact us today to apply for your Spring Fling Loan.



Members Make it Happen!

Attend the Annual Meeting

As a member of North Penn FCU, you may already know the many benefits to managing your finances with us instead of other financial institutions. But did you know another BIG difference between credit unions and banks? Here at the Credit Union, you are part owner and may participate in the election of the Board of Directors.

Join us as we celebrate the credit union difference at this year’s Annual Meeting!

Date: April 22 • Time: 12:00 noon - 1:30 pm
Location: Lunch room at the Credit Union



North Penn FCU is Your Home for Mortgages!

Good news - North Penn FCU is now a full-service mortgage provider! Whether you’re a fi rst time home-buyer or looking to refinance your existing mortgage, you can count on the knowledgeable staff at the Credit Union to find the best mortgage for you. We offer a variety of mortgages with great rates and easy plans. You can also receive pre-approval, which assists you in determining the house you can afford and puts you ahead of the competition.

For more information on mortgages, call 215-822-9119. Mortgage rates are updated daily and can be accessed by visiting our website at www.northpennfcu.org. Just click on the “Mortgage Rates and Information” button.





Your Credit Union - a “Fees-able” Alternative

Since it’s becoming more difficult to fi nd a bank that doesn’t charge fees for just about every service imaginable, it’s nice to know that you have an affordable alternative - your Credit Union.

Many credit unions offer services for no fee at all. And, when a credit union fi nds it necessary to charge a fee, it tends to be much lower than what a bank would charge. After all, the credit union is generally just covering the cost of service.

Credit unions have lower fees because they tend to have lower operating costs. Different from banks, credit unions try to get the most out of their income from loans and investments, rather than through fees. Credit unions average less than 9% of their gross income from fees and other sources. In comparison, banks, which charge fees for almost everything, even seeing a teller, reap more than 40% of their income from charging you fees!

Not only do you save on fees at your Credit Union, but you can often get better loan rates and returns on savings. So if you are fed up with high bank fees and charges, see what your Credit Union has to offer. You’ll be pleasantly surprised.



www.northpennfcu.org

Identity Theft Scams

Something Old and Something New

In a continuing effort to help members prevent identity theft, here are two additional ways in which your personal information could be stolen.

Something Old - Mail Fraud
Haven’t been receiving mail for a few days? Identity thieves can easily put through a change of address/mail forwarding request, and now your mail, including bank statements, W-2s, and bills are being sent somewhere else. Scammers don’t even have to present identifi cation when submitting these requests; changes of address can be submitted online through the US Postal Service’s website.

If you haven’t received mail in a couple days that is addressed to you (circulars that everyone gets aren’t always addressed and don’t count), or if you normally receive mail on a daily basis, be sure to contact your local post offi ce immediately. Request that they look for any change of address or mail forwarding requests. A postal service supervisor will contact you the same business day with their fi ndings.

Something New – SMiShing (Text Message)
Scams With SMiShing, identity thieves send out mass text messages from “your credit union” stating that your account has been compromised or that you need to verify account information. These texts provide you with a toll-free number in which you enter your personal information, such as your account number, social security number, PIN, and account passwords.

DO NOT RESPOND to these text messages. Save the text message and contact the Credit Union IMMEDIATELY. You can also fi le a complaint with the federal government by visiting www.ic3.gov.




Holiday Closings

Friday, April 2 • Good Friday
Monday, May 31 • Memorial Day



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