MoneyMonthly December 2012 The Monthly Newsletter for Members of South Jersey Federal Credit Union Now is the time to get a great deal on a new set of hot wheels...and SJFCU has a cool deal on auto loans that’ll help make it happen! Come in today and you’ll be driving your new set of hot wheels in no time! 1 As Low As 99 %* APR New Car Loans Up to 6 Years As Low As 2 99 %* APR Car Loans Up to 6 Years Used** Apply by phone, online or in person! (800) 582-7640 www.SouthJerseyFCU.com Auto Loans Fast Approval Receive an answer on your financing within 30 minutes of application (or within 1 hour of opening). Flexible Rates and Terms Our competitive rates offer maximum flexibility and convenient terms. Easy Payments With Direct Deposit or Payroll Deduction. Fax: (856) 232-6301 *Auto loan rates quoted are for Premier Plus category, up to 6 years and includes one-half percent (0.5%) reduction in rate for payroll deduction or direct deposit. Auto loan promotional rates are for new loans only. SJFCU refinances not included. Premier Plus category requires a minimum FICO score of 750.**Used car rate applies to model years 2010 and 2011 and 2012/2013 models with over 15,000 miles. Other rates and terms available to qualified borrowers. Rates and terms subject to change at any time at the discretion of the credit union. www.SouthJerseyFCU.com 800-582-7640 IRA Contributions for Tax Year 2012 Visa Gift Cards It’s never too early to review and consider where you stand with regard to your 2012 contribution to an Individual Retirement Account (IRA) for the 2012 tax year. Drive right on by those crowded malls! Do your holiday shopping the easy way the next time you visit an SJFCU branch – by purchasing SJFCU Visa Gift Cards! This year’s filing deadline both State and Federal income taxes is Monday, April 15, 2013. You have until then to make your annual contribution to either your Traditional or Roth IRA for the tax year 2012. Always remember: Filing an IRS filing extension does not extend your 2012 IRA contribution deadline! The maximum amount you can contribute for the tax year 2012, up through April 15, 2012, is $5,000 (or your total earned compensation, whichever is less). If you are 50 years of age or older, you can contribute an additional $1,000 as a catch-up contribution, for a total of $6,000. They’re available at every one of our branches, and Visa Gift Cards come in a variety of attractive holiday designs. They’re easy to purchase – and priced right for every budget! • Available in amounts form $10 to $500 • Pay from your SJFCU account or Credit Card • Each card costs just $2.95 plus the amount on gift card • Available at all branches Cards issued by MetaBank pursuant to a license from VISA U.S.A. Inc. Purchase fee of $2.95. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. Don’t wait until the last minute! Come in to any SJFCU branch, or call us at 800-582-7640, and get your questions answered and arrange for your 2012 contribution. Reminder to Our Members Affected by Hurricane Sandy We realize that many of our members may be experiencing hardships due to the devastation caused by Hurricane Sandy. If you are experiencing financial difficulties as a result of this tragic event, we remind you that SJFCU has staff available to assist you. We have several options to help you through this difficult time. First, SJFCU is offering loans up to $10,000 at reduced interest rates to qualified members to assist with the hardship caused by Hurricane Sandy. You may apply by phone, in person in any of our branches or online, using the Promo Code “HS.” Secondly, another option you may wish to consider is a deferred payment arrangement on an existing SJFCU loan. Third, we also would like to remind our members with an existing loan or Visa credit card that you may have loan protection coverage to assist with your monthly payments in the event of an unexpected life event. This protection could cover your monthly payment, or cancel your loan balance, in the event of a loss of life, loss of income due to disability, or involuntary unemployment. If you need further assistance, please feel free to contact us at 800-582-7640. www.SouthJerseyFCU.com Online Bill Pay SJFCU member Tamara D. Miller of Pleasantville was the lucky winner of our most recent Billpayer promotion. Every time Tamara paid a bill online during August and September, her name was automatically entered in the drawing. Tamara’s prize was a $100 Target gift card. Tamara just joined SJFCU this summer. When she learned of her prize, Tamara got yet another benefit of being an SJFCU member: “I know I did the right thing in leaving my former bank!” Members like the benefits of being part of a credit union – are you using the convenient benefit of paying your bills online? The more bills you pay online, the more chances you have to win like Tamara – for there’s another promotion going on right now, through the end of December. Every time you make an online payment during December, you are automatically entered into the Bill Payer sweepstakes. Get on board with the convenience and time-saving benefits of FREE online bill paying. The more bills you pay online, the more chances you have to win! IMPORTANT DATES Please note that all branches will be closed on: Tuesday, December 25 - Christmas Tuesday, January 1 - New Years Day Monday, January 21 - Martin Luther King, Jr. Day 800-582-7640