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Summer 2006 Newsletter




Security/Security/Security

Resolve to better protect your good name and credit standing in 2006.

  • Become aware of your personal information and where and when it may be available to others.
  • Do not say account, social security and PIN numbers out loud.
  • No one contacting you should need your account number.
  • Mail any personal information from the Post Office or a public mail box, not you unlocked street box.
  • Be aware of others around you when you conduct business.
  • Guard your numbers from prying eyes and cell phone cameras.
  • Make sure you computer connections are protected from spy ware.
  • Check your credit report once a year.
  • Unfortunely, some people are working in groups, 24 hours a day and 7 days a week to find new ways to cheat people who work for their money. Stay informed and stay aware.



Back to School with the Credit UnionGoing back to school



Whether you’re heading off to college or still packing a pencil case, your Credit Union makes the grade when it comes to getting you back to school!

Student (Parent) Loans – If you or your favorite student is relying on Student (or Parent) Loans to fund education, talk to the Credit Union about what we have to offer and how we can help you. Most student loan programs have the same requirements with rates that are similar, so why not use the Credit Union!

Home Equity Loans – If part of your financial planning involved paying for your child's education with the equity in your home, we can discuss what Home Equity Loan options are best for your situation.

Personal Loans – If there’s one thing that’s certain when your children return to school, it’s that last year’s clothes don’t fit! Consider a Signature/Personal Loan to help pay for all the back-to-school “stuff” your children need!

Credit Cards – Whether you’re the student or the parent, a Credit Union Credit Card gives you the ease and convenience to pick up books, food, or other essentials anytime during the school year.

Checking and ATM/Debit Card – need a financial institution you can trust that doesn’t charge outrageous fees? Any student knows that the Credit Union offers the sweetest deals on checking with account access nationwide 24/7 via the Internet or through our ATM/Debit Card.

Take the Credit Union back to school with you – we’ve got class!!!



www.northpennfcu.org

Attention Members


The Credit Union Supervisory Committee is conducting its annual audit and account verifi cation. Please compare the enclosed statement with your own records as of June 30, 2006. If you note any discrepancy, please write to our supervisory committee at:

Ms. Phyllis Weasner
712 Wissahickon Avenue
Lansdale, PA 19446

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.



One Offer That Says it All

Unless you have already signed up to stop credit card solicitations by mail, you are among the millions of Americans receiving 2-5 credit card offers DAILY! If you take the time to actually open the envelope, you may read the offer and fi nd it quite appealing – a low interest rate, no annual fee for the fi rst year, special bonus points for mileage or merchandise or a give away item. With all these options, how do you choose a credit card?

It’s simple: don’t be attracted to short-term offers that will eventually cost you more money. If you read the fi ne print for most of those other cards, you’ll fi nd that rates and/or terms will change in a specifi ed time period or hidden charges may apply.

Our advice for you is to forget the specials and go with the one offer that says it all at your Credit Union. A Credit Card from the Credit Union offers:

  • One low rate for purchases and transfers
  • 25-day grace period to pay for purchases in full Best of all, you’ll know that what you see is what you get! There are no hassles, hidden charges or penalty rates.


CUs Come Out on Top

CU on TopOnce again, credit unions take the cake with consumers. In a recent national poll, consumers rated CUs higher than banks like Wachovia and Washington Mutual. See the results for yourself at
RealPeopleRatings.com! See the difference for yourself right here at the credit union.



USA Patriot Act

The USA Patriot Act was signed into law by President Bush on October 26, 2001. Its purpose is to provide new laws that will help protect you and our country against acts of identity theft, fraud, and terrorism.

The USA Patriot Act requires all financial institutions to:

  • Verify the identity of any person seeking to open an account.
  • Maintain records of the information used to verify the person’s identity including name, address, and their means of identification.

If the Credit Union staff periodically asks that you provide a photo ID, the request is not meant to invade your privacy. It is also not meant to indicate that we do not know or recognize our long-time and valued members. We are simply complying with a new federal regulation that is designed to protect you from identity theft and protect the Credit Union from being used for criminal activity.

USA PATRIOT is an acronym that stands for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism.” Your Credit Union proudly supports all efforts to protect and maintain the security of our members and our country. The USA PATRIOT Act was renewed on March 9, 2006.




 

The Motor Vehicle Certification Program

Car

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

Tuesday, July 4th Independence Day
Monday, September 4 • Labor Day
Monday, October 9 • Columbus Day



Past Newsletters


Summer 2000
Fall 2000
Winter 2000/2001

Spring 2001
Summer 2001
Fall 2001

Winter 2001-2

Spring 2002
Summer 2002

Fall 2002
Winter 2002-03

Spring 2003
Fall 2003
Winter 2003-04

Spring 2004
Summer 2004
Fall 2004
Winter 2004-05

Spring 2005
Summer 2005
Fall 2005
Winter 2005-06

Spring 2006



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