FALLing Loan Rates

FALLing Loan Rates

New Auto Used Auto (Dealer)

up to 48-months up to 60-months up to 72-months

up to 48-months up to 60-months

1.99% APR* 2.49% APR* 3.49% APR*

1.99% APR* 2.49% APR*

Used Auto (Private)

up to 48-months up to 60-months

2.24% APR* 2.99% APR*

Personal/Unsecured loans

up to 36-months up to 60-months up to 72-months

6.09% APR* 7.09% APR* 8.09% APR*

Motorcycle

4 years

4.99% APR*

Fixed Home Equity

Loan Amount 60-months 120-months

10k ? 24,999k 5.24% 5.74%

25k ? 49,999k 3.74% 4.74%

50k-99,999k 3.24% 4.24%

100k+

3.29% 3.99%

Application fee of $99 (non-refundable)

180-months

6.49% 4.99% 4.54% 4.24%

240-months

6.74% 5.49% 4.99% 4.74%

Surety Lender Services and Garden State FCU have teamed up to serve you better! Surety Lender Services is a national provider of title insurance and settlement services. When you are approved for a Home Equity you can have the loan process done at any time and location. That means you can "close" your loan on your schedule. Surety also has a "hot-line" for evening and weekend closings. During this process, accuracy and completeness are never compromised. Their knowledgeable and professional staff has an understanding of each state's title requirements and is ready to assist in processing every aspect of your closing package.

Home Equity Line of Credit

Benefits: ? Can write checks ? Minimum line of credit $10,000.00 ? Line of Credit for 20 years ? 15 year payback

Payroll 2.75% APR* Coupon 3.25% APR*

*APR=Annual Percentage Rate. Rate as of 08/31/2012. Variable tied with prime, can change monthly

*APR=Annual Percentage Rate. Payroll deduction with auto transfer, A+ paper (Risk based lending and pricing applies).

Loan-to-Value (LTV) is based on credit score. Rates effective 10/01/2012 ? 12/31/2012.

Watch Your Savings Grow

FALL 2012



Debit vs. Credit...Does it Really Matter?

It's time to pay for your purchase at your local grocery store and you hand the clerk your debit/check card. "Debit or credit?" asks the clerk. Most consumers say, "It doesn't matter, either is fine," but there is actually a difference ? to you.

Debit ? When you opt to process a transaction as "debit," your purchase is processed through the ATM Network, and you must use your personal identification number (PIN). You can request cash back with your purchase, and this transaction is immediately charged to your Credit Union account.

Credit ? If you choose "credit" when checking out, you'll be asked for a signature. Many consumers assume that this type of transaction is billed through a credit card account, when actually it is immediately processed through your Credit Union account.

A "Credit" to Your Card

Both of these options carry benefits for debit card holders, but what many do not know is that when you choose "credit," you help yourself, the Credit Union, and by extension, your community. Here's how it works:

Buyer Protection: VISA? insures transactions processed through its system, providing you with buyer protections and rights far greater than your store receipt allows.

Added Security: Finally, when you select "credit," you must sign for your purchase, and the cashier may request to see your identification. Not only are your purchases more secure, but so is your identity.

So, the next time you pull out your Credit Union debit card to pay, and are asked "Debit or credit?" You'll know the answer: Credit!

Do You Want a Faster Answer on Your Loan?

Apply on-line at .

Mobile Banking

Now you can access your Garden State FCU accounts from your mobile phone. Members who are signed up for PAM (Personal Account Manager/ online banking) can use your mobile phone's Internet browser to access savings and checking accounts. You'll be able to make transfers between these accounts, view history, and check balances whether you're on the road or at home. You can send text messages to view your accounts and get account history. For more information or to sign up, visit us online at .

Christmas Cash Coming Your Way

Your Christmas Club money will be transferred into your saving/ checking account on October 1, 2012.

Didn't open one for 2012? It's never too early to start saving for next year! We also have a Vacation Club account. Call the Credit Union today for details on our club accounts.

Save the Date!

Annual Meeting coming March 17, 2013. Details coming in the future newsletters, stay tuned!

HOLIDAYS

WE ARE OPEN

Election Day

November 6

Veteran's Day

November 11

early closing or closed

Thanksgiving Day

November 22 ? Both offices closed

Christmas Eve

Early closing: Moorestown 5pm Bellmawr 4pm

Christmas Day

December 25 ? Both offices closed

New Years Day

January 1 ? Both offices closed

Moorestown Office 144 Route 38 ? P.O. Box 680 Moorestown, NJ 08057

Moorestown Office Hours Monday - Friday: 7:30 a.m. - 6:00 p.m. Saturday: 9:00 a.m. - 4:00 p.m.

Bellmawr Office (physical) 203 E Browning Rd., Bellmawr, NJ 08031 (mailing) P.O. Box 1265, Bellmawr, NJ 08099

Bellmawr Office Hours Monday - Thursday: 8:00 a.m. - 4:00 p.m. Friday: 8:00 a.m. - 6:00 p.m. Saturday: 8:00 a.m. - 12:00 noon

Moorestown Phone: 800.713.2274 General Fax: 856.235.2904 Loan Dept. Fax: 856.235.2385 Email: loandept@

Bellmawr Phone: 856.931.5600 Toll Free: 855.340.8602 ? Fax: 856.931.7520

Thank you for trusting us!

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