Dividends January 2015 www.profedcu.org Discover the Benefits of ProFed Mortgages If you’re looking at ways to save money, you might not need to look any farther than your own front door. While interest rates for mortgages may be slightly higher than historically low levels of a few years ago, you still can find many opportunities for savings. Whether you are in the market for a new home, or you want to refinance your existing mortgage, make sure ProFed is at the top of your list when researching your home financing options. ProFed Mortgage Services gives you a variety of options for buying and refinancing. Our wide array of mortgage products helps ensure you get affordable monthly payments to fit your budget. ProFed offers conventional fixed rate mortgages with several term length choices. Our 7/1 Adjustable Rate Mortgage product gives you the security of a fixed rate period for seven years at a competitive rate. After the 7 year fixed period, the interest rate and payment are subject to adjust annually, and ProFed’s Annual Meeting Plan to attend ProFed’s Annual Meeting on Sunday, March 15, 2015, at 2 p.m. This year’s meeting will be held in the lower level of the Fort Wayne Main Branch, 1710 St. Joe River Drive. Make your reservations by calling 260-483-0514 ext. 6334 or 800-752-4613 ext. 6334. Refreshments will be available and door prizes will be awarded. There is no cost to attend this event. Hurry, seating is limited. may increase at that time. This product gives you the advantage of a 30 year amortized payment, but may offer more flexibility than a conventional fixed rate product. ProFed also offers FHA and USDA financing for members looking to purchase a new home. Down payment assistance and 97% financing may be available for qualified first time home buyers. With ProFed mortgages, you will enjoy convenience and value. Our loans are serviced in-house, so you always get your questions answered by the credit union you know and trust. Plus, you can take advantage of low mortgage insurance premiums and low closing costs when you finance with ProFed. Explore lots of options on our mortgage application web site. Check out rates and terms. Then use one of several online calculator programs to estimate your payment. Start your application online at our secure site. Simply create a new account using your e-mail address. Visit www.profedcu.org and click on Apply for a Mortgage. Riley Hospital for Children Fundraiser ProFed would like to thank members and staff who helped raise more than $20,000.00 for Riley Hospital for Children in 2014. We would also like to thank the many businesses that donated items for silent auctions at our branches. Since 1999, the employees and members of ProFed have donated more than $270,000.00 to Riley during the Credit Unions for Kids campaigns. All proceeds will benefit Riley Hospital for Children in Indianapolis. ProFed Scholarships Are you, or someone in your family, off to school next year? ProFed offers scholarships for students entering or returning to college, as well as scholarships for adults in the workforce seeking additional training. Donations from the Fort Wayne East Branch totaled more than $1,800.00. The Carroll R. Phillips Scholarship application for high school seniors and the Robert A. Weaver Scholarship application for college and adult students, are available now on our web site. Four $1,000.00 Phillips Scholarships and three $1,000.00 Weaver Scholarships will be awarded. For eligibility information, visit www.profedcu.org. Applications must be postmarked by April 15, 2015. The Fort Wayne Main Branch raised nearly $3,000.00 for Riley. Increase Your Smartphone Security If you have a smartphone, you know how versatile it is. With all that information you have, what happens if the phone is lost or stolen? How can you protect yourself from loss or identity theft? Lock Your Phone All smartphones come with simple security measures. Your first line of defense is the lock screen. Depending on your operating system, this lock can be a password, number combination, or a swipe pattern. New smartphones may come with built-in fingerprint recognition. Research Security Applications Research a security app before you buy or download it. Always purchase your apps directly from the app stores. Apps can contain malware for your phone; loading apps from e-mails, texts, or any place other than an official app store increases your risk of loading malware. Check with Your Carrier Mobile carriers offer remote wipe service in case your phone is lost or stolen. Through this option, all data is permanently erased from the phone. Carriers and third-party security services may offer GPS trackers, remote virus scans, or data backup for a fee. Data backup can be indispensable, especially if you have important files on your phone. Further Measures Make sure to update your system whenever a security patch or upgrade becomes available. Be cautious when accessing a new Wi-Fi connection. Free Wi-Fi can also be a hotspot for hackers. Whenever possible, use an encrypted network that requires a password. To learn more on mobile safety, watch the video Play it Safe with Portable Devices on www.profedcu.org, or read the full article on our blog. Visit us online at www.profed.org Confidential Budget Counseling Working on a new budget but not sure how to start? Contact us for free, confidential budget counseling. Visit www.profedcu.org, or contact your nearest branch. Holiday Closings Monday, January 19, 2015: Martin Luther King, Jr. Day Monday, February 16, 2015: Presidents’ Day Monday, May 25, 2015: Memorial Day Friday, July 3, 2015: Independence Day (Observed) Monday, September 7, 2015: Labor Day Monday, October 12, 2015: Columbus Day Wednesday, November 11, 2015: Veterans Day Thursday, November 26, 2015: Thanksgiving Day Thursday, December 24, 2015: Christmas Eve (close at noon) Thursday, December 31, 2015: New Year’s Eve (close at noon) Want help with your investments? Call 260-486-7989 or 800-468-1520 ProFed Eagles Get the latest news on ProFed Eagles events at www.profedcu.org. Just click on ProFed Eagles Events under Quick Links on the home page. Friday, December 25, 2015: Christmas Day ProFed Financial Advisors Members receive a FREE, no-obligation portfolio review! Briefings Friday, January 1, 2016: New Year’s Day Quick Tips Whatever your financial needs or goals, choose ProFed Financial Advisors as your trusted source. We have financial consultants well-versed in everything from investing to retirement accounts, as well as many other financial topics. We look forward to meeting you. Call us today. Mutual Funds* Annuities* Stocks & Bonds* Retirement Accounts 403(b) - TSA IRA Rollovers Trust Management Fee-based programs • Register your ProFed Visa® Debit Card for ProFed Perks inside Online Banking. Earn cash rewards from merchants when you shop with your card. • Need to make a deposit after hours? Try Mobile Deposit, or visit select branches to use our enhanced deposit ATMs. Ask us for details. 260-483-0514 • 800-752-4613 *Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Branch office located at 4315 Flagstaff Cove, Fort Wayne, IN 46815. Advisory services offered through ProFed Financial Advisors, a Registered Investment Advisor. NOT NCUSIF INSURED NOT A DEPOSIT NO CREDIT UNION GUARANTEE MAY LOSE VALUE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Federally Insured by NCUA © ProFed Federal Credit Union. All Rights Reserved.