Free Member Seminars facing investors today, and the timeless principles of investing that can help to balance them. Income Planning for Retirement Tuesday, September 18, 6:00 pm 2609 Texas NE Whether building wealth, retiring early, planning for income or thinking about your legacy, this workshop will help you address your retirement issues. Discover available tax strategies, review portfolio analysis for retirement and cover market volatility and planning. Sponsored by Jerome Pfeffer, Investment Solutions Group, Linsco/Private Ledger. Member NASD/SIPC. During this educational session, we will discuss the fivestep investment plan: • Diversifying Across Asset Classes • Blending Growth and Value • Globalization • Rebalancing • Maximizing After-Tax Returns A Publication for the Members of U.S. New Mexico Federal Credit Union SEPTEMBER 2007 Presented by Ken Fanning , Financial Advisor/Investment Adviser Representative, Financial Network Investment Corporation, Member SIPC. 2125 Wyoming Blvd., NE, Albuquerque, NM 87112 505-263-2291 [email protected] The Wealth Strategies Approach Five Steps to Building A More “Efficient” Portfolio Wednesday September 26, 2007 12:00 noon to 1:00 pm or 6:00 pm to 7:00 pm 2609 Texas NE Investments offered through Financial Network are not deposits, not insured by NCUA or any other Government or regulating agency. Returns in such investments may fluctuate and may lose value. Sandwiches and soft drinks will be served Effective portfolio construction is a critical part of designing a long-term investment plan. Please join us for an educational seminar addressing the risk/return choices Hurry in to U.S. Signature Loan Special Ends September 15! • 9.75% APR* *Rate may vary based on qualification. Relationship Pricing discount does not apply. Out of checks? Out of time? Visit www.usnmfcu.org or call 1-800-355-8123 to reorder your checks. It’s easy and convenient. The Golden Eagles Association’s annual picnic will be held at 11:30 am on Tuesday, September 18 at Holiday Park. The park is located on Comanche, east of Juan Tabo. The Association will furnish chicken and drinks. Members are asked to bring salads, vegetables or desserts to serve 6-8 people. NOTE: This is a week earlier and will take the place of our regular meeting. There is no charge for members, and the charge for guests is $5.00. website: www.usnmfcu.org e-mail: [email protected] A.P.R. Terms (2006-2008 model years) 5.75% 5 yrs (2000–2005 model years) 5.75% 5 yrs Used Vehicles Extended terms available. Rates may vary based on qualification. Investment Rates SHARE CERTIFICATE AND IRA CERTIFICATE RATES 3 Months 6 Months 12 Months 18 Months 24 Months 36 Months 48 Months 60 Months APY* 3.10 % 3.85 % 5.12 %** 4.35 % 4.50 % 4.40 % 4.50 % 5.20 % Share Certificates require a minimum deposit of $1,000 and are subject to a substantial penalty for early withdrawal. INSURED INVESTMENT PLUS $100 - $2,499 $2,500 - $9,999 $10,000 - $19,999 $20,000 - $49,999 $50,000 - $99,999 $100,000 & Up 505-342-8888 Toll-Free Number: 1-888-342-USNM Branch Phone Numbers: Osuna – 342-8862 Tennessee – 342-8701 Gold – 342-8501 Irving – 342-8601 Santa Ana – 342-8550 APY* 1.50 % 1.90 % 2.10 % 2.50 % 2.80 % 3.00 % Fees & other conditions may reduce earnings. *Annual Percentage Yield Rates current as of 9/1/07 For a complete listing of loan and deposit rates, visit our website or call 342-8888, ext. 23. U.S New Mexico members — There are more than 125 ATMs in the Albuquerque area and over 200 in New Mexico where you can use your Visa Check Card or CU Anytime Card — FOR FREE! Look for either of these logos: Introducing U.S. New Mexico’s Student Visa Card A credit card designed for full-time students • No minimum income or co-signer required • Choose from four card designs • No annual fee • 24/7 customer support and online account service • Online Account Management • Security Protection with Falcon Fraud Services Pick up a free copy of The ATM Guide for U.S. New Mexico Members at any U.S. New Mexico Branch Department Extensions *Annual Percentage Yield **Minimum IRA Certificate Term Rates current as of 9/1/07 { Free ATMs All Over the Place! Golden Eagles Picnic VEHICLE LOANS • Up to 36 Months Call 342-8888, ext. 52 Registration is required prior to attending a seminar. To register, visit our website, usnmfcu.org and click Member Education, or call 342-8910. New Vehicles • Up to $3,000 Operator ..........................................0 CU by Phone......................................1 Automated Services ............................2 Teller Transactions ..............................3 Member Services ................................4 Loan Services ....................................5 To Repeat These Options ......................6 Visa Check Card Lost/Stolen - 1-800-899-4047 Visa Credit Card Lost/Stolen - 1-800-325-3678 For Branch and Drive-up hours, visit our website or call 342-8888, ext. 2. The information in this EAGLE LETTER is as current as possible. However, the Credit Union reserves the right to change or delete any rates or services. 4 Call 342-8888, ext. 52 Your Credit Union in the Community U.S. New Mexico Federal Credit Union was a proud sponsor of the 2007 American Cancer Society Relay for Life. With your help, and the help of U.S. New Mexico employees, we raised over $11,500 for research and cancer prevention. This was U.S. New Mexico’s first time participating in the event, and we were honored with the “Rookie of The Year” award. We would like to thank Weck’s and Olive Garden Restaurants, Pro Image, Smith’s Food Store and All About Trophies for donating food, T-shirts and give-a-ways to support the USNMFCU walkers! On behalf of the American Cancer Society and U.S. New Mexico Federal Credit Union, thank you for your contributions and for supporting cancer research. We will be closed Monday, October 8, in observance of Columbus Day. 1 Free Financial Counseling with Balance U.S. New Mexico Federal Credit Union is dedicated to helping you realize your financial goals — reducing your debt, saving for higher education, buying your first home, or planning for retirement — which is why we are excited to announce your newest benefit of membership: BALANCE Financial Fitness Program. If bills have gotten out of hand, your counselor may be able to arrange a Debt Management Plan. BALANCE negotiates with creditors to reduce interest and fees so you can pay your debt quickly and efficiently. As a member of U.S. New Mexico, the program's monthly administration fee of $20 is waived. Through BALANCE, you have access to free, unbiased money management information and assistance. All you have to do is make a toll-free phone call. To use the new program, simply call 888-456-2227. Counselors are available Monday through Thursday, 5 am to 8 pm, Friday, 5 am to 5 pm, and Saturday, 8 am to 5 pm (PST), or visit www.balancepro.net for more information. BALANCE counselors can answer many of your questions immediately — from how long an item stays on your credit report to whether it's better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled — giving you the personal attention you need to meet your objectives. We recognize that money concerns have a serious effect on your quality of life. Now, through our newest partnership, you have access to the very best professional guidance — so you can achieve financial security faster than you ever thought possible. Credit Unions Shine in Online Consumer Study Credit unions come out significantly ahead in satisfaction measures — by eight percentage points more than large banks and by 12 percentage points more than community banks — in a study of online consumer banking habits. Seventy-four percent of the respondents pay bills through online sources. Of those: The 2007 ForeSee Results and Forbes.com Online Banking Study of 900 consumers, including some who do and do not use online banking, compare customer satisfaction at large national banks, community banks, and credit unions. • 15% use independent bill payment services Overall, online bill payers are 7% more satisfied than consumers who bank online but do not pay bills online. Online bill payers are also: • 21% more likely to use the financial institution's website as their primary channel • 31% more likely to purchase other services from the institution, and • 9% more likely to recommend the financial institution to others The more bills you pay online, the happier you might be with your financial institution. Satisfaction figures rise for those study respondents who pay multiple bills online. • 43% pay online at the service provider's website (utility or phone company, for example) • • • • • • Garcia Automotive Group (Honda, Infiniti, KIA, Mazda, Mitsubishi, Saab & Subaru Dealerships) Quality (Jeep, Chrysler, Pontiac, Buick & GMC Dealerships) Karl Malone Superstore Larry H. Miller Hyundai & Used Car Supermarket Houston Wholesale CU Auto Sales Thanks to all of the Kirby Kangaroo members who sent in their drawings or stories for the summer contest. They were all great and very fun to view. Congratulations to our Grand Prize winners: In the 0-7 age group, Eliana Ward; in the 8-12 age group we had a tie, Faith and Taylor O’Connell. All of our Grand Prize winners received two movie passes ($20 value), four IT’Z gift cards ($20 value), and two Dion’s gift certificates ($10 value). Remember, you can’t win if you don’t enter. For more information about the Kirby Kangaroo Savings Club, or to join in on the fun, call 342-8888, ext. 8910. First Home Game is September 8 Still resisting online banking and bill payment? The research indicates that security concerns inhibit some consumers from adopting online financial services. The truth is, conducting business online gives you many more opportunities to monitor your accounts and confirm that all is well. The study showed that those using online services are “quite satisfied” with their financial institution‘s privacy, and are more satisfied than in past surveys. These customers like the control that online banking offers: Lobo Football season tickets are now on sale! With 43 returning lettermen, 20 returning starters and 32 players from the state of New Mexico, 2007 looks to be another exciting year at University Stadium as the Lobos look for their fifth bowl game in six years. Head coach Rocky Long and his team will host six exciting home games this year against in-state rival New Mexico State, as well as Sacramento State, BYU, Air Force, Colorado State and UNLV. • 81% use the website to transfer funds U.S. New Mexico has a limited number of season tickets available to members at a special discounted price of $75. $75 is well below the normal price for these tickets, so they won’t last long. Call 342-8832 to reserve yours. • 44% use the website to order checks and to engage in other self-service features If you're ready to check us out online, visit us at usnmfcu.org. You’ll find convenience, security, flexibility and service — at your fingertips. Credit Builder Credit Card Buying a Car for the First Time? U.S. New Mexico has negotiated a special offer through the following dealerships: Kirby Kangaroo Summer Contest Winners • No cosigner required Minimum of $1,500 monthly income 1 year on job Borrow up to $15,000 Interest rates as low as 14.9%* Terms of up to 5 years * Derogatory credit history may result in disqualification. Rate may vary based on qualification. 2 Our young adult members, ages 18 to 25, received their first issue of brass magazine in August. U.S. New Mexico is providing complimentary copies of brass to our young adult members as a resource on making, managing, and multiplying money. So what is brass? brass is about young adults, money, and how it affects your life. A quarterly magazine published in February, May, August, and November, brass is made up of content produced by young writers, photographers, and graphic designers — just like you. brass doesn’t talk at you. “We see you eye to eye.” brass‘ goal is to provide direct, intelligent, entertaining content to young adults about the money side of life. From planning your retirement to throwing cheap parties, brass looks at your young adult life and how you handle money. Like brass, U.S. New Mexico wants to convey to you the importance of understanding how money works. For your dreams to come true, you need to know how money and your life interact. We are committed to helping you meet your financial challenges and reaching your dreams. Thank you for being a member of U.S. New Mexico. We hope you enjoy brass. Visit brass online at usnmfcu.org, then click on the “Connect to brass” icon. Relax — Welcome Home You might not know it from the daily news, but this is a good time to apply for a home loan. The bad news headlines about mortgages mostly tell about homeowners who made risky mortgages with other lenders — lenders who want a loan on the books even if it’s a bad deal for you. The Credit Builder will help establish and build your credit. We don’t operate that way. You’re a member, a part owner of the Credit Union. It’s important to us that you can live with your loan. • Credit limit of $300 - $1,000 • 18% APR – Qualify for a reduced rate after one year of good payment history Rates are still low and payments can be manageable. A Credit Union loan officer can explain your options, so your payment is one you truly can live with. To apply, call 342-8888, ext. 52. Call us today to start your home loan process. * Existing credit score and/or derogatory credit history may affect qualification. And then relax — welcome home. No credit history? No problem. • • • • • brass 3