1. finance
2. personal finance
3. lending
4. credit cards

Need a NEW CAR?
First Eagle Membership
Gives You Great Ways
To Save
First Eagle has great ways for our members to save
on a new vehicle purchase.
The Credit Union Member Discount from GM offers
all current and eligible credit union members save
hundreds, even thousands on a new Chevy, Buick or
GMC. This is in addition to the most current incentives
and special offers! Visit LoveMyCreditUnion.org
to see how much you can save and request your GM
Authorization Number.
Rates as low as
1.75% APR*
Board of Directors
Barbara Blake
William Kelley
Margaret Kulas
Mary Sherwood
Adrian Wood
Call 888-231-2022 or check out the website to find
out more about your vehicle financing options.
* Annual Percentage Rate. Your loan rate might vary based on your credit history.
With GreenPath, you have free access to money management
and financial education services. GreenPath is a non-profit
company that partners with you to achieve your financial
goals. You can receive assistance with:
• Personal and family budgeting
•Understanding your credit report and how to
improve your score
• Money management
• Debt repayment
•Avoiding bankruptcy, foreclosure and repossession
Call 877-337-3399
or go to www.greenpath.org
0.15%
0.20%
0.25%
0.10%
0.10%
0.25%
0.40%
0.50%
0.60%
0.70%
0.80%
1.11%
1.41%
This newsletter is published quarterly, Rates & information are good as of June 30, 2014
and might be subject to change.
Chair
Vice-Chair
Treasurer
Secretary
Director
Director
Director
Director
Director
Supervisory Committee
Ed Paulis
Chair
Ed Braatan
Member
President/CEO
Lois Profili
Locations
Baltimore
600 Red Brook Blvd.,
Suite 350
Owings Mills, MD 21117
Phone (443) 548-8019
Fax (443) 548-8030
Houston
2919 Allen Parkway, Suite 210
Houston, TX 77019
Phone (713) 831-2772
Fax (713) 831-1122
Nashville
160 S. American General Way
Nashville, TN 37250
Phone (615) 749-2087
Fax (615) 749-2037
Schaumburg
1400 American Lane
Schaumburg, IL 60196
Phone (847) 605-7970
Fax (847) 605-6704
Union Memorial Hospital
Phone (410) 554-2217
www.firsteaglefcu.com
Federally insured by NCUA
October 2014
APY*
0.10%
*APY means Annual Percentage Yield. Share account rates are current as of June 30,
2014 and are subject to change.
Officers
Pam Jozwiak
Steven Mueller
Carolyn Taylor
Joyce Mellinger
First Eagle members can save big with rates as low
as 1.75% APR* when you finance your new vehicle
through First Eagle.
Your Path to a Bright Financial
Future Begins Here!
Current Rates Share Savings
Money Market (Min. $2,500 deposit; Split Rate)
$2,500 - $19,999
$20,000 - $49,999
$50,000 & Over
Golden Eagle Checking
Vacation & Christmas Club
IRA Share Accounts
Certificates & IRA Certificates (Min. $500 deposit)
1 year certificate
18 month certificate
2 year certificate
2 1/2 year certificate
3 year certificate
4 year certificate
5 year certificate
Pay Your
First Eagle
Loans from
Other
Accounts
Members soon will be able to make a payment to their First
Eagle loan from home, work or while on vacation with our
new Electronic Loan Payment program. The 24/7 service
expands options in several ways for members.
• Make a payment towards a First Eagle
loan using another financial institution’s Visa,
MasterCard or Discover credit card or debit card.
• Make a payment towards a First Eagle loan
using a checking or savings account from
another financial institution.
• This format will keep your payment histories
for up to 2 years.
• There is a $10.00 processing fee to use this service
for payments using credit cards or from other
financial institutions. ACH payments will be
charged a $5.00 processing fee. Members who
need a staff person to assist in the transaction
will be charged $15.
Heavy into
Multi-Tasking?
Pay Your
Bills Online
with new options in
Home Banking
Toll Free Access
(888) 231-2022
First Eagle Federal Credit Union
First Eagle Member
Wins iPad!
Medstar National Rehabilitation Network employee Curtis
Whitehair is the winner of an iPad Air tablet, provided by First
Eagle as part of its membership drive at our newest Select
Employer Group.
The drawing was open to any Medstar NRN
employee who opened a First Eagle
checking account with
direct deposit, a funded
loan product, home
equity loan or credit card.
The promotion ended
September 1, 2014.
Congratulations
Curtis!
Make Sure Your Accounts
Aren’t Dormant
Recently, letters were mailed to those First Eagle members
who have had no account activity for the past three years.
State law requires that an account, which has been inactive
for three years or more, must be acknowledged by the
owner. If the account is not acknowledged, we are required
to remit all funds in the account to the State as abandoned
property. Help us to help you avoid this inconvenience. If you
receive a dormant account letter, please respond to the credit
union immediately.
Once you’re a member, you’re a member
for life. Even when you change jobs,
addresses or partners, we’re always
with you! For more information
about the full range of products
and services go to
www.firsteaglefcu.com.
About the Home
Depot Breach
Jingle Bell Loans
Act Wisely when dealing
with a Data Breach
School’s in session and so is shopping season!
Malls and retailers are already prepping for the big push of
holiday shopping and with our Jingle Bell Loan, you’ll be
ready to go when the first fall sales start!
Recent news about the Home Depot data breach starting
last spring has many members worried about their First Eagle
debit and credit cards. We want to inform you that you will
NOT be responsible for any fraud on your First Eagle cards but
you ARE responsible for monitoring and identifying fraud on
any account in a timely manner.
First Eagle uses the latest fraud protection technology on
all of our cards. If we receive notification from Master Card
of any possible card compromises, we will notify you, our
member, and proceed to replace affected cards.
It is always a good practice to monitor your accounts. We
have notification tools that allow you to receive an e-mail
if there has been a transaction or charge to your account.
These notifications can be customized by you to set a
dollar threshold for a notification. You may set up these
notifications using First Eagle online banking. Just select the
e-Alerts link on your account summary page.
Be wary of any individuals who try to get personal
information over the phone or by e-mail. This will be another
popular scam to take advantage of our members during this
incident. If you ever receive a phone call requesting personal
information, from any institution you do business with, it is
always a good idea to call the company back yourself at their
published phone number.
We have stepped up security monitoring of our card
programs but it is very important we have current phone
numbers on file should we need to contact you.
If you have specific concerns or questions, feel free to call
888-231-2022 or visit one of our branches and our Member
Service Representatives will be happy to assist you.
Skip-A-Payment
Wouldn’t it be nice if you could shop with freedom, knowing
that your installment loan payment wouldn’t be due during the
holidays? As long as you’ve made at least three consecutive
payments on your current loan, you may be eligible to apply.
Complete this form and return it to any First Eagle office, or access
it on our website. A $25 processing fee must be paid up front for
each loan payment you choose to skip.
Borrow $1,200 for 12 months
at a rate as low as
7.50% APR* and pay just
$
104.10 per month.
No collateral is needed and it’s so easy to request
a Jingle Bell loan today! Just visit www.firsteaglefcu.com
or call your favorite branch today. Hurry, this special offer
is only available until January 31st!
First Eagle Federal Credit Union
Skip-A-Payment Request
Name: ________________________________________
Account#:______________________________________
Skip-A-Payment Month (choose only one):
❏ November, 2014 (request must be received no later than October 29)
❏ December, 2014 (request must be received no later than November 28)
Christmas Club
Accounts Available
Members who opened a Christmas Club last October
will find a nice-sized deposit to their savings account!
Get a budget-friendly head start on next year’s holiday
expenses by opening a Christmas Club today. It’s truly
the painless way to prepare for the holidays!
Visit any branch or call
888-231-2022
for details.
❏ January, 2015 (request must be received no later than December 28)
See important GAP notice below**
Loan Number(s) and Description for Skip-A-Payment:
Loan (EXAMPLE): Loan #0001 / 2012 Ford Focus
Loan 1:_____________________________________________
Loan 2:________________________________________
Loan 3:________________________________________
Loan 4: ________________________________________
Signature:______________________________________
Date:_________________________________________
Co-Borrower:____________________________________
Signature:______________________________________
Date:_________________________________________
PLEASE READ THIS IMPORTANT INFORMATION:
By signing above, you authorize First Eagle Federal Credit Union to advance your loan due date by one
month and understand that this may extend the maturity date of your loan. A $25 processing fee must
be paid up front for each loan which you choose to skip payment. Interest will continue to accrue on
the unpaid balance during the month you skip your payment and when payments resume, the unpaid
interest will be collected first. Members must be in good standing and all loans current to participate.
FEFCU reserves the right to refuse any Skip-A-Payment request. Payments made through payroll
deduction or direct deposit will be transferred to your primary savings account during the month your
choose to skip and will be subsequently available for withdrawal. First mortgages, second mortgages,
MasterCard and loans newer than four months are NOT eligible for this program.
** GAP policies allow up to two skipped payments during the life of the loan. More than two skipped
payments will cause the cancellation of your GAP policy.
We thank you for your continued support and we look
forward to serving you in the future.
Mail to: First Eagle Credit Union
600 Red Brook Blvd, Suite 350, Owings Mills, MD 21117