We're your full service credit union. Beyond our savings, loan and money management products, we have a variety of services to offer. Take a look:

Automotive Services
Purchasing a new vehicle can be a stressful experience if you are not informed about your options. We can help by providing resources so you can determine the value of your current vehicle, as well as the retail price for a new vehicle. If you would like to finance the purchase of a vehicle, the credit union offers flexible repayment options.

Helpful Car Buying Websites
The credit union offers the following resources to assist in your vehicle purchase needs:

www.nadaguides.com - Here you'll find pricing for new cars and trucks and get free car quotes from local dealers.

www.kbb.com - Get the right price for a used car or truck before you buy, sell, or trade in your current vehicle.

www.edmunds.com - Edmunds car buying guide lists new car prices, used car prices, car comparisons, car buying advice, car ratings, and car values.

We also offer a free Car Buyer's Guide and a 60 minute video which may be viewed at the credit union office.

Travelers Cheques
Your credit union offers two varieties of Visa Travelers Cheques:

1. Traditional Travelers Cheques - the standard option.
2. Cheques for Two - great for couples traveling together.

Travelex Currency
Going Abroad? We provide exchange services through Travelex Foreign Exchange Services. With this convenient service you can arrive with local currency or travelers cheques issued in foreign denominations in hand for spending money. When you return, simply bring any currency or travelers cheques to the credit union for exchange.

Wire Transfer
We are capable of receiving and transferring funds via both domestic and international Wire Transfers. If you are interested in utilizing this service, contact one of the Member Services Staff for additional details and instructions. Call (570) 421-5585 and choose option 3 for the Member Services Department.

Discount Coupons/Tickets
The credit union offers the following discount coupons (when in season):

• Busch Gardens
• Caesar's Pocono Palace
• Camelback Discount Ski Lift Tickets
• Camelbeach Discount Tickets
• Dorney Park and Wild Water Kingdom
• Hershey Park
• Lancaster County Vacations
• Sea World
• Sesame Place
• Six Flags Great Adventure

Checkbook Help
Today's finances are very complex, and balancing your checkbook is an important part of managing your money. If you have difficulties reconciling the balance in your checkbook to the balance that is printed on your monthly statement. We'll help you to resolve any discrepancies, and give you advice on ways to more effectively manage your Share Draft Account. Stop by our New Accounts desk and ask for assistance with your checkbook balancing needs. Call (570) 421-5585 and choose option 3 for the Member Services Department

Financial Counseling
Many people today are struggling with paying their monthly bills. A combination of a mortgage or rent payment, credit card debts, and vehicle loans can add up quickly, and you could find yourself adding to your debt. If you are experiencing some financial difficulties, we have a number of options available to you. We have staff members who are trained to evaluate your financial circumstances and can offer some suggestions on how to stretch each dollar that you earn. All conversations are strictly confidential and may go a long way towards helping you find financial freedom.

Budgeting Assistance
Budgeting is an important financial planning tool. You need to forecast your monthly expenses, yet ensure you can reach your long-term savings goals. If you're unsure about your financial planning, or are interested in some suggestions for improving your current budget, we can help. We'll be happy to review your financial plans and provide recommendations on how you can create a more effective budget based upon your personal financial situation.

Bill Consolidation
Bill Consolidation is an important tool which, when used in conjunction with a well-planned budget, can greatly improve your financial situation. Our Loan Department wil review the options available to you to help reduce the number of debts that must be paid each month. Products like our Visa Credit Card with a fixed rate annual percentage rate (A.P.R.) and our Home Equity Line of Credit. Both options may be right for you to consolidate outstanding high-interest debt. Stop by the Loan Center for more information.

Money Orders
The credit union provides money order services for its members. The maximum dollar amount per money order is $1,000, and the fee amount per money order is $.75.

Direct Deposit
Have all or a portion of your pay deposited into your credit union account. It's the safest and most convenient way to have your Social Security, Pension or any other scheduled checks deposited into the credit union.

Payroll Deduction
Payroll deduction allows you to have a portion of your net pay automatically deposited into one or more of your credit union accounts. It's the convenient way to make loan or Visa Credit Card payments and to establish a "no-excuses" savings plan.

NCUA Insurance
Credit Unions displaying the NCUA symbol are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA). NCUSIF coverage works much like the insurance for depositors in banks or savings and loan associations (known as FDIC). Coverage assures that your savings will be paid in full - up to $100,000 - if your credit union should ever become insolvent and have to liquidate. Individual Retirement Accounts (IRA) are insured up to $250,000.00.

TO DATE, NO MONEY HAS BEEN LOST BY A MEMBER OF A FEDERALLY-INSURED CREDIT UNION.

Free Notary Service
We maintain two notaries within the credit union to witness and notarize the signing of various documents. This service is provided to credit union members free of charge. Please call (570) 421-5585 Extension 1133 or Extension 1128 to make an appointment for notary services.

U.S. Savings Bonds
Savings bonds are a long-standing American savings tradition. They are safe and secure investments, and they make terrific gifts for birthdays, weddings, and graduations. We are an issuing agent for EE-Series Patriot Bonds and I-Series U.S. Savings Bonds.

Certified Checks
We offer certified checks for those instances when guaranteed funds are required.

U.S. Postage Stamps
We offer stamps sold by the book - $8.40 for 20 stamps.

Links

• Your Money's Best Friend
• Congress
  
• CUNA
  
• NCUA
  
• Training, Education, And Awareness For Members.
  Our TEAM can help you understand more about security online.
• PA Higher Education Assistance Administration
  
• Googolplex
  
• Non-Surcharging ATM Locations
  
• My Travel Wallet
  
• Nationwide Insurance

Safe Deposit Boxes Available!

With the move to our new building, we now have Safe Deposit Boxes available to our members. The boxes are rented on an annual basis with the following sizes are available.