NE PA Community FCU offers Convenience Services that will save
you time and money. Plus, when you make the switch to NE PA
before April 30, 2008, you'll receive a special cash bonus!*
Sign Up For FREE NE PA Checking - Get $10!* NE PA has a Share Draft/Checking Account
that makes accessing your money easy, without the high fees other financial institutions
charge. It's the smart way to manage your money!
Add A FREE Visa® Check Card – Get $10!* Use your card anywhere Visa is accepted, and
purchases are automatically deducted from your Checking Account. Your card can also be used
to make up to eight FREE ATM withdrawals each month (our NE PA ATM is always free).
Enroll In FREE Home Banking – Get $10!* You can access your funds from any computer
with Internet access – anytime, anywhere! Once you enroll, you will receive your statements
safely and securely online through e-Statements.
Enroll In NE PA Bill Payer – Get $10!* Pay your bills electronically and save time, money, and
gas. NE PA Bill Payer is completely free as long as you have a Share Draft/Checking Account,
Visa Check Card, Home Banking, e-Statements, and you provide your e-mail address to the
credit union.
Start Today!
Simply stop by the credit union or call (570) 421-5585, option 4.
Hurry, The Cash Bonus Offer Ends April 30, 2008!
*Cash Bonus of up to $40 will be deposited into your new NE PA Share Draft/Checking Account. One Cash Bonus per member. NE PA Share Draft/
Checking Account must remain open for 90 days or Cash Bonus will be refunded to the credit union. Bonus valid only for new services opened in March
and April, 2008. Contact the credit union for complete offer details.
Access Your
Economic Stimulus Payment Now!
Why Wait? Let’s Rebuild The
Economy Together!
 Your credit union wants to help all of our
members access their Economic Stimulus
Payment sooner, rather than later. Why wait
until May 2008 or even later? We will loan* you
the amount that you expect for your payment
and you will not incur any finance charges if you
repay the loan by August 31, 2008. When you
receive your payment and pay off your loan by
August 31, 2008, all of the interest paid will be
refunded to your account.
You may ask, "Why is the credit union giving
me a FREE loan?" We want to do our part to help
the economy prosper by allowing our members
to use their check now to purchase needed or
desired items. The economy needs our help, so
let's rebuild it together.
If you have not heard, the Federal government
passed an Economic Stimulus Act recently
in which many Americans will receive an
additional tax rebate up to $600 per person and
an additional $300 for each qualifying child.
These checks/direct deposits will begin in May
2008. Please visit www.irs.gov for additional
information regarding this Tax Stimulus
Incentive.
Apply Today
Why wait? Access your tax money today!
Apply for our special Signature Loan online, call (570) 421-5585, or stop
by the credit union.
Hurry, This Special Offer Ends
May 31, 2008!
*APR=Annual Percentage Rate. The loan approval process is part of our
Risk-Based Lending Program. Your rate will be determined by your credit
history. Rate is subject to change without notice. You must be able to estimate
the amount of your payment when applying for the loan. Contact the credit
union for complete details. There is a calculator on the IRS website to help
you estimate your payment.
Switch Your Vehicle Loan To NE PA & Save
Spring is a great time to purchase a new car, truck or SUV, or to refinance
your current Vehicle Loan from another financial institution to NE PA.
NE PA Vehicle Loans Always Offer:
- Competitive Interest Rates
- Flexible Terms Up To 72 Months
- Vehicle Pricing Guides – So You Always Get The Best Deal
- Friendly, Personal Loan Assistance That Is Local
Make The Switch
When you bring your Vehicle Loan to NE PA and refinance at our lower
rates, you could save hundreds! Watch your mail for future details on our
upcoming refinancing promotion.
Apply Today
To learn more or to apply, call (570) 421-5585,
option 2, or stop by the credit union at your convenience.
Make Your Annual Meeting
And
Grand Buffet Reservations
Your credit union’s 48th Annual Meeting will be held on Tuesday,
April 22, 2008 at Peppe’s Ristorante, Eagle Valley Mall, East Stroudsburg, PA.
This is a new location for 2008. The Grand Buffet is $28.50 and includes
entertainment, prizes, and favors. The evening will begin with a cash bar
at 6:00 p.m. The Grand Buffet begins at 6:30 p.m.
The business meeting will begin after dinner and include the Meritorious
Service Award and the Dr. Alfred D. Sumberg Founder’s Award presentations.
Reports will be heard, and the election of Board members will be held. David
Piatt, Chairman, will preside over the meeting and the door prize giveaways.
Don’t delay – attendance is limited to the first 150 members, so make your
reservations right away! Complete and submit the form below or call us at
(570) 421-5585 x1124 to reserve your seats. The reservation deadline is Friday,
April 18, 2008.
Grand Buffet Menu
- Garden Salad With House Dressing
- Poached Wild Salmon Filet
- Roast Sirloin Beef From The
Carving Board
- Veal Tripoleta With Italian
Sausage And Chicken
- Pollo Francese
- Torellini Pesto
- Saffron Rice, Fresh Seasonal
Vegetable
- Coffee, Tea And Dessert
Grow Your Business With Help From NE PA
You already know that NE PA Community FCU offers individuals money-saving loan and savings
products. Did you know that NE PA can save your business money, too?
With FREE money management services, low interest rates
on loans and excellent personal service, NE PA has the financial
products and services you need to help your business prosper.
Compare the products listed below to the products available at
other financial institutions, and see how much you could save by
choosing NE PA for your company’s needs:
Business Checking Accounts
Choose from Basic Business Checking, Preferred Business
Checking, or Elite Business Checking. All three accounts feature a
FREE Visa® Check Card with a $500 Overdraft Line of Credit!
FREE Electronic Account Access 24/7
Once you enroll in NE PA Business Checking, you can access your
account anytime, day or night, with these FREE electronic services:
- FREE NE PA Home Branch With e-Statements
- FREE DANA Day And Night Access Telephone Teller
- FREE NE PA Bill Payer*
Low-Cost Loan Solutions
When you need to borrow for business equipment, real estate, or
other needs, NE PA is here to help. We offer affordable, low-interest
rate financing on a variety of products. Call today for current
rates on:
- Real Estate Loans
- Refinancing
- Lines Of Credit
- Business Credit Cards
- Vehicle Loans
- Rental/Investment Property Loans
Additional Business Services
NE PA can also help you with credit and debit card processing,
payroll services, and gift cards for your customers. Ask us for all the
details today.
For More Information
Let us tailor a low-cost services package for all of your business
needs. Simply call our Business Services Department at
(570) 421-5585, x1128 to learn more today.
*Free when you have our Visa Check Card, NE PA Home Branch with e-Statements and have your e-mail
address on file with the credit union.
New Chief Operations Officer
 Donald S. Carr has been appointed
to fill the Chief Operations Officer
opening, which was available due
to Mark T. Filbert's promotion
to President/CEO. Don has been
employed with our credit union
since May 30, 1995 when he began
his credit union career as our Office
Systems Specialist. From there, he
has held several other positions
such as Assistant Office Manager
and, more recently, Vice President-
Member Services, a position that
he has held for the past nine years.
Don originally is from the Wilkes-
Barre, PA area. He started working
for us after receiving his Bachelor of
Science Degree in Accounting from
Wilkes University. Don currently
resides in Marshall's Creek with his
wife, Charity, who is an intermediate
school teacher in the Stroudsburg
School District.
Our Community
NE PA Community FCU staff and members
are proud to participate in a wide variety of
events that support our community. Here are
just a few we’ve taken part in lately:
Salvation Army Kettle Drive
Thanks to donations from our members,
we raised $642.01 for the Salvation Army. We
appreciate your support for this worthy cause!
American Cancer Society Daffodil Days
The day was a resounding success! Thank
you to all who participated.
March 12 & 13 – Pocono Mountains
Chamber Of Commerce Expo
It was great to see many of our credit union
members. Thanks for stopping by!
Upcoming Events
April 26 – Pocono Area Senior Expo
10:00 a.m. - 4:00 p.m. (Boomers & Beyond)
The credit union will participate in
this event by providing information and
answering questions on unique issues
pertaining to seniors. The event will be held
at the Stroudsburg Junior High School on
Chipperfield Drive in Stroudsburg, PA. We
hope you can join us!
April 27 – March Of Dimes –
March For Babies
Come walk with the NE PA credit union
family. If you are interested in joining the
credit union walking team, contact Kimberly
Kochanski at (570) 421-5585, x1116.
May 1-31 – Children’s Miracle Network
Purchase a balloon from our office for just
$2 anytime during the month of May and
support this excellent cause.
May 4 – American Red Cross –
Run For The Red
NE PA will once again support the runners by
sponsoring and manning a water station.
For Details On Any Of These Events,
Please
Call (570) 421-5585 x1116.
Ask Bettyanne
 It seems to me I can't watch TV, read a
newspaper or listen to the radio without
someone predicting future economic
decline. The head of one major car
manufacturer has stated that even if the
U.S. is not in a recession, the auto industry
is. People are pinching their pennies
to meet rising fuel prices and most
households have less disposable income.
One way you can lower your car payments could be to
refinance your current auto loan from another financial
institution to the credit union. This may lower your interest
rate, which should reduce your monthly payment. If possible
you might even try stretching the loan out for a longer term
and adding a vehicle mechanical repair contract so you won’t
have any unexpected expenses. When money gets tight a major
car repair could really set you back. You get to choose how
extensively you wish to cover your vehicle. The options vary
from just covering major parts like the engine and drive train to
coverage similar to what you get on a just purchased brand new
vehicle. This coverage can be financed with your NE PA Vehicle
Loan, and is well worth it since you may have to hold on to your
car longer than you normally would.
If you are in the market for a vehicle, why not shop for a used
one? You may be able to make a great deal since car business is
down. Do some comparison shopping and don't forget about the
online resources like www.edmunds.com to help you negotiate
the deal. You just might end up in a better model than you could
afford to buy brand new. And have the piece of mind that your
used vehicle can have a warranty that covers you for repairs just
like a new car warranty.
Remember to compare the cost of operating a vehicle and
not just the original purchase price. You can go to
www.fueleconomy.gov and compare the gas mileage and safety
ratings. Another resource, www.gasbuddy.com tracks gas prices
and shows you where the cheapest gas is in your area.
If you have any questions regarding your car buying process,
please do not hesitate to contact me at (570) 421-5585 x1127.
Child Safety Online
In today’s modern world, it is difficult for parents to ensure that
their children can safely engage in online activity. The daily news
is filled with reports of Internet predators. Underage Internet
users are often unaware of the malicious intent of online
acquaintances or sites with which they interact.
The Internet is an excellent information source available at
all hours, day and night. It is also a place where younger people
find the opportunity to socialize, interact with others who
have similar interests, and feel they find understanding
and acceptance.
There is also a downside to the Internet. It can increase
children’s exposure to people with nefarious intentions. Most of
us have heard stories about identity theft, hacking, and children
who fall victim to someone who stalked them via chat rooms or
other online sites.
Parents can ensure that the home computer provides
safeguards by keeping in mind the following:
- Keep computers in the family room rather than the child’s
bedroom. It is more difficult for offenders to communicate
with a child when the computer screen is visible to other
family members.
- Research applications that provide filtering, blocking, or
website ratings in order to provide adequate content control.
- Become acquainted with your child’s online friends, just as
you would their other friends. Anonymous Internet contacts
may not always be what they seem. Someone who represents
himself as a 12-year-old girl may actually be a
50-year-old man.
Check out our
TEAM (Training, Education and Awareness for
Members) website
to learn more about Internet safety and the
latest financial scams.
Join Us In Celebrating Youth Week!
 Help us celebrate National
Credit Union Youth Week from
April 20-26, 2008. At this special time
of year, we celebrate the youngest
members of our credit union
and promote fun with financial
education. All week long, we will
have refreshments and giveaways
for our members
ages 18 and under.
We are also planning
a special information
session on financial aid
and financial services for
college-bound students. A
financial aid specialist from
Northampton Community
College will be present on
April 29 from 7:00 p.m. –
8:30 p.m. to offer advice
and answer your
questions about financing
opportunities available
to students and parents.
To RSVP for this special
information session, please
call Kimberly Kochanski
by April 22 at
(570) 421-5585, x1116.
Reservations are required.
Check Out
Googolplex
Googolplex is our
online resource that
makes learning about
money management fun
for elementary, middle &
high school kids. They can
learn about earning, saving
and spending money,
and have fun at the same
time!
Bulletin Board
Holiday Closings
Monday, May 26, 2008 – Memorial Day
Friday, July 4, 2008 – Independence Day
Loss-Causing Member Notice
Members who have caused a monetary loss to the credit union will be
eligible only for a Savings Account and dividends on that account. This
loss may have resulted from a charged-off loan, a Share Draft loss, or an
ATM loss, including loss of fees or losses related to deposits that have
not been repaid to the credit union.
Outgoing Wire Transfer Information
Members who conduct outgoing wire transfers must be aware that
a telephone number call-back is required before the transfer can be
sent. The call-back must be made to a telephone number that the credit
union currently has on file (i.e., your home number or work number).
Any changes to the telephone number of record must be made
in writing. If you need to notify us of a change, please mail the new
number to the credit union or fax it to (570) 421-5476.
NEW Services Available
The credit union is now offering American Express Travelers Cheques,
Gift Cheques, and Gift Cards. For more information or to purchase
these items, stop by the credit union.
Important IRA Reminder
The deadline for 2007 IRA contributions is April 15. If you haven’t yet
made your contribution for the 2007 tax year, stop by the credit union
today. We can help you start saving more for your future!
Discount Tickets!
 Stop by the credit union for discounts
for all your favorite places. We offer
discount tickets and coupons for all
these great attractions:
2008 Consignment Tickets
Available For:
- Dorney Park & Wildwater Kingdom
- Camelbeach
- Six Flags Great Adventure
Additional Ticket Discount
Coupons Available For:
- Caesars Pocono Resort
- Hershey Park
- Sesame Place
Your Convenient Lending Tool
 In certain instances, opening an NE PA Home
Equity Line of Credit can make managing
your finances easier. This versatile, affordable
lending tool can be used for new purchases, bill
consolidation, and much more.
Make That Important Purchase
If you have been considering home remodeling or
a family vacation but need extra funds to meet your
goal, a Home Equity Line of Credit can help you fill
in the gap.
You could save money by choosing this particular
loan over many other types of loans, because the
interest rate is typically lower. Plus, you borrow only
as needed. Once you pay down the balance of your
loan, the funds become available to borrow again.
Consolidate Debts &
Lower Your Interest Rate
By paying off your high-interest debts with a low-interest
Home Equity Line of Credit, you can reduce
the number of payments you make each month.
You will also pay less over the term of your loan!
Enjoy Tax Savings, Too
The interest you pay on your Home Equity Line of
Credit may be tax-deductible. Ask your tax advisor
for more information.
Apply Today
Simply call (570) 421-5585 and select option 2 or stop by the Loan Center anytime to learn more
about how a Home Equity Line of Credit can work
for you. You can also apply online.
Current Rates Are Available 24/7 On Our Website!
Dormant Account Alert!
All member accounts with no activity for two years will be classified as dormant. Credit union
policy allows for a maintenance fee of $5.00 per year to be assessed on dormant accounts. The state’s
Deposition of Abandoned and Unclaimed Property Law requires all financial institutions, including
credit unions, to report all abandoned and unclaimed property in their possession for five years or
more from the date it was first abandoned. Those accounts that have been dormant for five years will
be turned over to the Pennsylvania Department of Revenue.
How can you avoid having your account classified as dormant? Simply make a deposit or withdrawal
and you can avoid this maintenance fee. Contact us if you have any questions.
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