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Cents Abilities
The South Jersey Federal Credit Union Quarterly Update
Spring 2012
CENTS●ABILITIES
Volume 6.2 - Spring 2012
I n s i d e
3
SJFCU Is For Mortgages, Too
4
Boat and RV Loans
Wire Transfer Information
6
South Jersey Financial Network
7
Visa Gift Cards
Convenience with eLerts
8
Save with Sprint
Annual Meeting
9
Special Reverse Mortgage Seminar
Latest Bill Pay Winner
11
Benefits of Credit Union
Membership
12-13
Welcome To The Family
15
First Quarter Dividends
Calendar
Welcome!
“Never had a friend like me!” That was
the genie’s refrain in the story of Aladdin.
Similarly, our members never have had
a friend like South Jersey Federal Credit
Union – the place where they know they’ll
receive sound financial advice and trusted
assistance for all their financial needs.
Always on the lookout for those services
that best serve our members, we recently
slashed the rates on home equity loans,
new and used auto loans, and loans for
boats, RVs and motorcycles – and extended
the terms of those loans – all to help your
dreams come true. While other financial
institutions make it tough if not impossible
to obtain a loan, SJFCU makes the process
easy and accessible.
With summer just around the corner, take
advantage of those newly slashed rates
on recreational vehicles and boats – even
if your plans mean you’ll be staying close
to home or just getting to the shore or a
campground on the weekends. These low
rates mean you’ll have the means to do your
vacation up in style!
Our experienced LPL Financial Consultants
continue to provide financial planning
advice for any and all members who avail
themselves of their service. Has there been
– or are you anticipating - an important “life
event” in your family – such as retirement,
the birth of a child, a new job, or a death
in the family? These and other events are
often the milestone markers that necessitate
a closer look at your overall finances. Let
our South Jersey Financial Network team of
financial consultants work with you.
Sincerely yours,
Benjamin T. Griffith
President/CEO
Cents●Abilities
SJFCU Is For Mortgages, Too!
At SJFCU, we’re here for all your financial needs. For
many members - in addition to the no-surprises checking
and savings programs we offer - the low rates on our
auto and home equity loans, and the fixed rate on our
Visa Platinum credit card are often the first things that
come to mind when they speak of the convenience of
doing their banking at their credit union.
But South Jersey Federal Credit Union offers another financial product – one that is
arguably the most important and long-term financial commitment any member will have
during his or her lifetime: first mortgages.
Look into financing your home purchase with SJFCU! Ready to purchase that first home?
Want to take advantage of the low rates now available to homebuyers? Wish to make
the switch from renting to ownership, or make the move to a house better suited for
your growing family, by selecting from the larger-than-usual inventory of homes on the
market?
Let SJFCU be your trusted source for financing your home just as we are your trusted source for all your other financial needs and services!
When you look to SJFCU to meet your mortgage needs, you’re choosing a personal,
cooperative approach to business.
SJFCU stands ready to serve SJFCU members by providing
• Expert advice
• Prompt service
• Financial solutions.
There are many options for financing a first mortgage through SJFCU – we offer
conventional mortgages, FHA mortgages, VA mortgages as well as guidance to the state
and local grant programs available especially for the first-time homebuyer.
SJFCU can handle your loan from start to finish. Our rates and options are some of the
most competitive in the market today. The top-notch service from our team of lending
professionals is second to none!
In 2012, as the economy slowly continues to regain its footing, mortgage lending
guidelines, while strict, are sensible, and therefore make it easier overall for those
seeking to buy a home to accomplish that goal.
Make your home-buying dreams come true with SJFCU. To apply for a mortgage, or to
get your mortgage application process started, just visit any of our SJFCU branches, or
call 800-582-7640 to apply or set up an appointment.
3
South Jersey Federal Credit Union
Get Your Boat and RV Loans at SJFCU
Unseasonably warm weather has arrived, even before
summer officially begins! Our credit union members
can get “on board” with summertime fun in a boat or
RV – with great rates from SJFCU!
Whether you’re thinking of getting a new or used
boat for seaside fishing and cruising, or a new or used
recreational vehicle to explore the countryside and for spending a vacation at a
campground, the rates at the credit union can’t be beat!
4.24 % APR* for up to five years for a new boat or RV
and
4.99 % APR** for up to five years for a used boat or RV
It won’t be long before you’ll want to spend every spare
day or weekend “down the shore” using your easilyfinanced boat for some close-to-home warm weather
activities. Now is the time to look into these great rates,
to “catch” a new or used boat for your family’s use.
And, SJFCU has relationships with not one but two
regional RV dealerships – Dylans RV Center in Sewell, and White Horse RV in
Williamstown. These professional relationships mean not just a great inventory from
which to choose an RV, but also a smooth process for you when it comes to buying
and financing your RV at SJFCU.
* Rates quoted are for Premier Plus category, and include ½ % reduction in rate for payroll deduction or direct
deposit. Premier Plus category requires a minimum FICO score of 700. RV and Boat loans are for up to 100 %
financing of agreed purchase price, not to exceed MSRP in RV or New Boat Guide. All promotional rates are
for new loans only. SJFCU refinances not included. ** Used RV rate is for maximum age of 10 model years, up
to 100 % financing of agreed purchase price or NADA value, whichever is less. Used boat rate is for maximum
age of 15 model years, up to 100 % financing of agreed purchase price or NADA value, whichever is less. Other
rates and terms available to qualified borrowers. Rates and terms subject to change at any time at the discretion
of the credit union.
DID YOU KNOW?
Many of our members routinely utilize wire transfers to send funds to
another person or financial party.
But if you’ve never done so, or think that you might need to do so in
the near future, you must already have a wire transfer agreement on file with SJFCU
before you actually request a wire transfer.
This agreement gives SJFCU the authorization to perform a wire transfer for you.
If you’d like to make arrangements to have a wire transfer agreement set up, just stop
by any branch or call 800-582-7640 to make the initial request.
4
Cents●Abilities
We’ve
SLASHED
LOAN RATES &
MS
R
E
T
T
N
E
M
Y
A
P
EXTENDED
!
Lowest Rates
in SJFCU History!
NEW AUTO LOAN RATES
2.99% up to 5 years...
*
%
1.99 UP TO
APR
USED** AUTO LOAN RATES
3.49% up to 5 years...
*
%
2.99 UP TO
APR
6
YEARS!
6
YEARS!
7
YEARS!
HOME EQUITY LOAN RATES
3.49% up to 5 years... 2.99% UP TO
***
3.99%
APR
***
APR
UP TO 15 YEARS !
4.99%
***
APR
UP TO 20 YEARS!
*Auto loan rates quoted are for Premier Plus category, up to 6 years and includes 1/2% 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 700.**Used car rate applies to model years 2009 and 2010 and
2011/2012 models with over 15,000 miles. Other rates and terms available to qualified borrowers. ***Home Equity loan
rates apply to new and refinanced loans in Premier Plus category with automatic payment such as payroll deduction. The
APR without automatic payment is one-half percent (0.5%) higher. Premiere Plus and Classic Plus rates require $25,000
or more new money on refinanced loans and $10,000 or more on new loans. All other rate categories require $15,000 or
more of new money on refinanced loans and $10,000 or more on new loans. This product is a fixed rate, closed-end loan
secured by your primary residence and is equal to up to 75% loan-to-value including your 1st mortgage balance, if any.
Closing costs included in rate. Title insurance required for loan amounts over $100,000. Other auto and home equity
loan rates and terms available to qualified borrowers are based on credit approval. All rates and terms subject to change
at any time at the discretion of the credit union.
5
South Jersey Federal Credit Union
Life Events: The Game Changers that lead to Financial Planning
Life-changing events – they are markers for all of us, no matter our situation or
the stage of life we’re going through.
“Life events,” as they’re commonly called, are those situations – some happy,
some heart-rending – that touch all of us as we live our lives. Some are happy
occasions which warrant a “second look” at one’s financial situation:
• Marriage
• Birth of a child
• A new job • Family member entering college
• Retirement
• A rollover of one or more 401(k)s
So too are the challenging life events that occur, such as
• Unexpected layoff or loss of a job,
• a divorce, or
• a death in the family.
Any one of these life events can trigger a need to review and re-assess one’s
financial situation and likely make some necessary adjustments to it. That’s
when the advantages come into play of utilizing the services of South Jersey
Financial Network!
Financial planning services on the South Jersey Financial Network (SJFN) –
with information online at www.southjerseyfn.com – are available through LPL
Financial, a registered investment advisor and the nation’s leading independent
broker/dealer based on revenues (reported in Financial Planning Magazine, June
1996-2011).
Both of our Financial Planning Consultants – David Graham and Joe Silva – each
have decades of experience in the financial planning field, and can offer you
unbiased advised and access to a range of non-proprietary financial products.
Remember: Our South Jersey Financial Network (SJFN) is online – just click
on “Financial Planning” on our SJFCU website home page, or type in the web
address (see above) into your browser.
Not only are all the products and services offered by the SJFN listed in easy
to understand format, the website also has an easy form to fill out to set up an
appointment with one of our Financial Planning Consultants.
Securities and Financial Planning offered through LPL Financial, Registered Investment Advisor, Member
FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. SJFCU is not a broker/dealer and not affiliated with LPL Financial.
NOT NCUA INSURED NO CREDIT UNION GUARANTEE MAY LOSE VALUE
6
Cents●Abilities
Mom, Dads and Grads Love Visa Gift Cards!
Looking for a gift that is perfect for
Mother’s Day in May for the special mom
(or grandmom) in your life? How about
something for that hard-to-shop-for Dad for Father’s Day in June?
And new June graduates always appreciate something that gives
them the freedom to choose exactly what they want!
Gift cards are easy to purchase and priced right for
every budget. Gift cards can be purchased (only $2.95
each plus the amount of the gift card) at all six SJFCU
branches.
Our SJFCU Gift Cards are available in denominations ranging
from $10 all the way up to $500.
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
eLerts – The Easy Way to Manage your Finances
SJFCU’s eBanking allows you many conveniences... online
views of your monthly statement, as well as the ease of setting
up your bill payments and “eLerts” to let you know about
specified account activity.
Signing up for eLerts is easy! First, log into your eBanking
account as usual from our website, www.SouthJerseyFCU.com:
• Select “Access Accounts” from the top menu bar
• A second menu bar will appear just below; now click on
“Email Notification”
• Click on “eLert Options” and then click on “Continue”
• Now click on “Add eLert”
There are a number of eLerts to choose from:
• Balance Below a Value
• Check Number Range Cleared
• Deposit Above a Value These and other options are available to you – pick one, or several. Or, you
can change them as your informational needs about your account change over
weeks or months. You’re in charge!
7
South Jersey Federal Credit Union
SJFCU Members Save with Sprint!
As an SJFCU member, you know that your membership in
the credit union brings you many special offers and great discounts on many financial products and services.
Now, your credit union is happy to bring its members major savings through the
Sprint Credit Union Member Discount Plan!
Join more than 1 million credit union members nationwide who are already saving
over $124 million on their wireless plans. Here are the ways you can save money,
too:
• 10% off select Sprint individual service plans
• 15% discount on most business lines monthly recurring charges
• Waived activation fee on new lines (up to $36 in savings)
• Waved upgrade fee (up to $18 in savings)
• Available to both new and existing Sprint customers
Enjoy the benefits and exclusive discounts only credit union members like you can
receive.
Three ways to get your discount:
- Call 877-728-3428 and let them know you’re a credit union member.
Ask to be attached to the NACUC_ZZM Corporate ID).
- Online at www.SprintSave4CU.com
- Visit your nearest Sprint store.
Mark Your Calendar: 2012 Annual Meeting is May 16
As always, the feedback we receive from our membership
continues to be a guiding force behind many of the products and
services available to you at SJFCU.
Each year, you have the opportunity to offer such feedback and
become more involved in your credit union by attending our
annual meeting. Attendance at our annual meeting is a privilege
of credit union membership that you don’t find at commercial banking institutions.
Our 2012 SJFCU Annual Meeting will be held Wednesday, May 16 in the lobby of our
Deptford branch beginning at 5:30 p.m.
Please join us – your participation and presence matters!
8
Cents●Abilities
FREE Reverse Mortgage Seminar – Plan to Attend!
For those who wish to learn more about Reverse Mortgages, or who
feel they can benefit from more information on the topic, SJFCU
has scheduled a free Reverse Mortgage Seminar for the evening of
Tuesday, May 15 beginning at 5 p.m. It will be held at the Seven
Star Diner (formerly 5 Points Diner) at Intersection of Route 41 and
47(Hurffville Road, Delsea Drive & Egg Harbor Road intersection)
Deptford, NJ 08096
Come and enjoy dinner with us at 5 p.m., and then stay for the seminar.
The seminar lasts approximately one and a half hours; there is ample opportunity to have your
questions answered at the seminar’s conclusion.
At least one of each group/party attending must be a homeowner aged 62 or over. The
family members of each age 62 and up homeowner are also welcome to attend.
Reverse Mortgages allow an individual – or a couple – one of whom is at least 62 years
of age to convert the equity built up in their home into cash. It does not have to be paid
back for as long as he or she – and one’s spouse, if applicable – lives in the home.
____YES. I/we plan to attend the Reverse Mortgage Seminar and dinner
at the Seven Star Diner in Deptford on Tuesday, May 15 at 5 p.m.
Name(s) ___________________________________________________
Address ___________________________________________________
Phone # _________________________________Number Attending _______
Seating is limited. Please call in advance 800-582-7640 to reserve your place, or
return this slip below at least one week before the May 15 seminar date to:
Lending Department, Attention: RMS, SJFCU, P.O. Box 5530, Deptford, NJ 08096 Our Members Are Winners!
SJFCU member Nathan Daniels of Clementon was the lucky winner of our fourth
quarter Billpayer promotion which took place during November and December.
Each time Daniels paid a bill online during those months, his name automatically was
entered in the drawing. Daniels’ prize was a $100 gift card for Amazon.com.
Are you taking advantage of the ease and convenience of paying your bills online
by using our Billpayer service? Remember, the more bills you pay online, the more
chances you have to win. Our next Bill Pay contest begins on May 1st, so sign up for
Online Bill Pay today!
9
South Jersey Federal Credit Union
...of a fabulous vacation!
It IS possible if you
plan ahead & save with an
SJFCU Vacation Club
FREE
GIFT
Receive a free gift when you
open a Vacation Club account.
While supplies last.
Start my club in:
January 2012
(Funds avail. 1/1/13)
April 2012
(Funds avail. 4/1/13)
July 2012
(Funds avail. 7/1/13)
October 2012
(Funds avail.10/1/13)
Name____________________________________ Acct#____________
Address____________________________________________________
City______________________________State_______Zip____________
Phone: Home (____)_______________ Work (____)________________
I need to change the amount of my payroll deduction.
The SJFCU Vacation Club funds will automatically transfer to Statement Savings or Checking on 1st day of the month, 12 months
after the start date. Withdrawals prior to maturity will be subject to a 10% penalty, with a minimum withdrawal of $250. Please
bring your completed Vacation Club application to the credit union branch nearest you to receive your free gift. One free gift per
member please (while supplies last). I agree to have $5.00 deducted from my club account as payment for the free gift if I fail to
complete my club with a minimum of $250.
Signature______________________________________
10
South Jersey Federal Credit Union
Cents●Abilities
Credit Unions – Tell a Friend, Tell a Co-Worker!
Even as the economy improves in slow, incremental steps, each
of you - members of South Jersey Federal Credit Union – are part
of a very positive movement, a movement you should be proud to
mention to everyone you know!
In 2011 – when the rest of the financial world was struggling with
public relations black eyes and still increasing fees and charges –
Credit unions around the country added 1.3 million new members in 2011!
That means the total membership of credit unions in the United States – including your
44,000-plus-members SJFCU – now is a record 91.8 million individuals. Nationally,
there are 7,094 federally–insured credit unions, according to data collected by the
National Credit Union Administration (NCUA).
We grew at SJFCU too in 2011 – with 32 new select employee groups, with their
more than 4,000 employees eligible to join SJFCU and begin experiencing the great
low rates and outstanding member service offered here.
Much of that national growth – and growth here at SJFCU – came in just the final (fourth)
quarter of 2011. Consumer movements during that quarter, such as Bank Transfer Day,
urged people to ditch their “big banks” for the better convenience, fewer fees and
especially the better, lower rates that credit unions can offer.
These record figures in credit union growth were announced by the NCUA in March.
Another report from J. D. Power and Associates, also released in March, details a similar
exodus by customers from big banks to smaller institutions including credit unions. CNN
Money noted, “Consumers had already grown increasingly aggravated by new and higher
fees at banks during the year. Even though Bank of America later changed its mind and
scrapped its plans for a new debit fee, consumers were already on the move.”
Paul Gentile, president/CEO of the New Jersey Credit Union League recently wrote,
“Credit unions are the safe haven that can protect consumers from this growing feebased model of banks.” He’d also like to see credit unions “turning from a niche market
to an everyday consumer option.”
How about it, SJFCU members?
You’ve chosen the credit union option - are you sharing the news of the value and
convenience of the credit union difference and credit union membership with
• Your family members
• Your co-workers and
• Your neighbors and friends?
Share the great news of great rates, less fees and outstanding service at your credit
union – SJFCU – with others who could benefit, as you do, from membership!
11
South Jersey Federal Credit Union
e
m
o
c
l
e
W
to the Family
roups with
yer G
New Emplo
SJFCU
Ambassador Medical Services, Inc., Marlton
Ambassador Medical Services, Inc. conducts drug and alcohol
testing for companies and unions. Ambassador Medical Services,
Inc. is a partner in Secure Worker Access Consortium (SWAC), a
cooperative security program that enables the effective screening
of individuals who require access to secure areas or to confidential information.
BLANCO America, Inc., Lumberton
BLANCO America, Inc. is in the business of selling highquality kitchen sinks, faucets and accessories. The company’s
domestic customer base includes plumbing distributors, wholesalers and showrooms
in the region.
Courtyard by Marriott, Westampton
The Courtyard by Marriott Westampton is one of the newest Marriott
facilities in the region. Opened less than a year ago, the new facility
is close to downtown Mt. Holly – the county seat of Burlington
County – and Interstate 295, making it ideal for the business traveler.
DNT Payroll Services, Inc. (for RCH Cable® brand), Moorestown
DNT Payroll Services, Inc. is the operating entity for the RCH Cable®
brand. DNT Payroll Services, Inc. oversees day-to-day operations of
various cable contracting businesses that utilize the RCH brand name.
DNT Payroll Services, Inc. also conducts ongoing corporate and field
training classes for all field managers and sales representatives.
12
Cents●Abilities
ManorCare Health Services, Voorhees
ManorCare Health Services-Voorhees offers skilled nursing
care and rehabilitation. The Voorhees location opened in
2006. Its parent company, HCR ManorCare, has more than
500 locations in 32 states, and over 60,000 employees. At
Voorhees, 24-hour skilled nursing care as well as physical, occupational and speech
therapy is provided to a broad spectrum of patients. In addition, the facility offers
therapeutic recreation and social activities.
Township of Monroe
Commonly called Monroe Township, this is one of the largest municipalities in Gloucester County in terms of size and population: it
covers 46.9 square miles and has more than 31,400 residents.
Monroe Township was first formed in March of 1859 from portions of
what is now neighboring Washington Township. Both Williamstown
and Victory Lakes are census-designated unincorporated places with the township.
Simonik Transportation & Warehousing Group, LLC, Burlington
Established in 1977, Simonik Transportation &
Warehousing Group, LLC is a full-service residential and
commercial moving company and an agent for Allied Van Lines. The firm has more
than 59,000 square feet of warehouse space, and its fleet size has grown to over 140
vans and equipment. Simonik now ranks as the 10th largest agent in the Allied national
network.
Twin Oaks Community Services, Mount Holly
Twin Oaks Community Services was formed officially in January 2012 from a merger of Family Service and Steininger Behavioral Care Services. The
non-profit Twin Oaks Community Services provides services to families and individuals struggling with behavioral problems, including mental illness. The organization provides more than 90 different behavioral health programs including affordable
and supportive housing development programs, a foster home program, and a food
pantry.
Borough of Wenonah
The Borough of Wenonah in Gloucester County covers one
square mile, with a population of slightly over 2,300 residents. Founded in 1871 by a group of businessmen as a country resort, Wenonah
remains almost exclusively a residential area. Nearly a quarter of the borough’s area
is conservation land, protected by ordinance from development.
13
South Jersey Federal Credit Union
Receive a special gift from SJFCU if you
get pre-approved by April 18, 2012!
Upon used vehicle purchase from Enterprise Car Sales.
THE PERFECT
HASE
PURCHASE
WITH
EVERYY PURC
WITH EVER
USED CAR
PACKAGE
®®
Receive Blue Book® Trade-In Value on yourTHE
vehicle
PLUS $250!
THE PERFECT
PERFECT
2
USED
CAR
USED
CARBoys Gift Card!
Or, Receive a $50 PACKAGE
Pep
PACKAGE
1
HASE
PURCHASE
WITH
EVERYY PURC
WITH EVER
®
®®
SJFCU’s
Low Auto
Loan Rate
2.99%
3
apr
April 19 - 21, 2012
Thursday 9am – 7pm • Friday & Saturday 9am – 5pm
12-MONTH/12,000 MILE LIMITED
POWERTRAIN WARRANTY.4
FREE CARFAX® REPORTS.
VEHICLE CERTIFICATION.
7-DAY REPURCHASE AGREEMENT.4
12-MONTH
ROADSIDE ASSISTANCE.5
And, you’ll never have to
haggle about prices.
Enterprise Car Sales
Pennsauken, NJ....................................... 3011 Admiral Wilson Blvd....................856 910-7920
1
Trade-In values obtained from © 2012 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the
condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle Enterprise will provide a fair and competitive
value for customer’s vehicle. Additional trade-in value of $250 is available only on passenger vehicles and light duty trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from
Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to
transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including Alaska,
California, Kentucky, Louisiana, South Carolina, Texas, Virginia and Wisconsin. Offer valid from 4/19/12 - 4/21/12. 2$50 Pep Boys gift card will be issued via mail 30 business days after purchase
of vehicle. Offer valid only on Enterprise vehicles purchased from 4/19/12 - 4/21/12 and financed through South Jersey Federal Credit Union. Offer void when 7-Day Repurchase Agreement is
activated. No cash advances. Not valid on previous purchases. This offer cannot be combined with any other offers. 3Rate quoted is for Premier Plus category, up to 6 years and includes 1/2%
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 700. Rate applies to model years 2009 and 2010 and 2011/2012 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. Offer expires 4/30/2012. 4Restrictions apply. For details, see an Enterprise Car Sales Manager. 5Enterprise 12-Month Unlimited Mileage Roadside
Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free
ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2012 Enterprise Car Sales.
14
Cents●Abilities
First Quarter Dividends
Rate
APY*
Statement Savings
$100 - $4,999
$5,000 - $24,999
$25,000 and Above
0.15%
0.25% 0.40%
0.15%
0.15% - 0.23%
0.23% - 0.40%
$100 - $4,999
$5,000 and Above
0.15%
0.25%
0.15%
0.15% - 0.25%
Vacation & Christmas Clubs
Money Market
Super Money Market
NEW Mega Money Market
0.25%
0.20%
0.50%
0.75% 0.25%
0.20%
0.50%
0.75%
0.65%
0.75%
1.15%
0.65%
0.65% - 0.71%
0.71% - 1.15%
Teachers Club
IRA - Traditional/Roth/Coverdell
$0 - $19,999
$20,000 - $49,999
$50,000 and Above Rates subject to change without notice.
*Annual Percentage Yield.
Calendar
April 2012
19 - 21 - Enterprise Car Sale, Pennsauken
21 - Reverse Mortgage Seminar - Moorestown Branch
May 2012
15 - Reverse Mortgage Seminar - Seven Star Diner in Deptford
16 - Annual Meeting
28 - Memorial Day - Offices Closed
15
PO BOX 5530
DEPTFORD, NJ 08096
PRESORTED
STANDARD MAIL
US POSTAGE PAID
DEPTFORD, NJ
PERMIT 45