A Quarterly Publication for Members of Bulldog Federal Credit Union Spring 2013 QUARTERLY TIMES www.bdfcu.com Don’t get “phished.” We never initiate e-mails requesting sensitive account info. Inside this issue: An Amazing Deal is Yours for the Taking! Get Back on Track with GreenPath Debt Solutions AUTO LOAN SALE page 2 Smithsburg Branch to Close page 2 Refund Checks Cashed for Members Only page 2 Board Members to be Installed at Annual Meeting page 2 Scholarship Apps. Due page 2 Sign up for Free e-Statements page 3 Inactive Bill Pay Accounts Closed page 3 Contest Winners Announced page 3 Rates, Holidays, Contacts page 4 Washington County’s Premier Community Credit Union Bulldog Federal Credit Union Get out and kick some tires, then kick high-rate financing to the side of the road because we’ve got the cure for your Spring car fever. For a limited time, get unbelievably low rates and 100% financing on just about any new or used vehicle! Not sure what you want? Take advantage of amazingly low rates and get pre-approved before you shop. You’ll be in the driver’s seat when it’s time to make a deal. Move your loan and save! With rates this low, you’ll be able to reduce your monthly payment and save hundreds when you refinance with us during the Auto Loan Sale. Time for a toy? Get special limited-time rates plus 100% financing on a new or used motorcycle, boat, or RV, too! Got problem credit? No problem! With rates and terms to suit just about everyone, we may be able to put you behind the wheel for less than you think! Let us show you how we can help. AUTO RATES AS LOW AS 1¾ %* APR any term up to 84 months! Apply today! Apply anytime online at bdfcu.com, or by phone at 1-800-9435568. Or stop by any branch for more details. Hurry, the Auto Loan Sale ends soon so apply now! Variable annual percentage rate for new or used cars, trucks, and SUVs. Promotional fixed rates also available. Rates based on credit history; yours may be higher. See website for promotional rates for new/used boats, motorcycles, and RVs. Available only for members who qualify with approved credit. Minimum loan $7500; new money only. 84-month term on loans of $25,000 or more. Offer available 4/1/13 through 8/31/13. * Now Help is Here When You Need it! New Service Helps You Get Back on Track for Free! Concerned about debt? Looking for a smarter way to manage your money? Put yourself on the path to a brighter financial future with GreenPath, a nonprofit company that’s been helping people reach their financial goals since 1961. GreenPath’s certified, professional financial counselors will assess your household income and expenses, find places for you to save, and develop a customized budget and action plan…for FREE! Bulldog members have free access to GreenPath’s money management and financial education services, including: • • • • • Personal and family budgeting Understanding your credit report and how to improve your score Debt repayment Avoiding bankruptcy, foreclosure, and repossession Housing issues including reverse mortgages and foreclosure prevention Depending on your situation, you may be eligible for a debt management program that will help you manage ALL of your debt, not just credit card debt. GreenPath’s experts can work out repayment plans that may eliminate collection calls, reduce interest, and eliminate fees. Put yourself on the path to a healthy financial future. Visit www.greenpathref. com or call toll-free today 877-337-3399. Scholarship Applications Due Applications are due by April 26 for the BFCU $500 scholarship. Applications are available at each branch, at most area high school guidance offices, and at bdfcu.com. Scholarships will be awarded by May 6. Effective May 31, you will no longer be able to send international wires. Smithsburg Branch to Close Soon The branch inside the AC&T at 22507 Jefferson Boulevard, Smithsburg, will close May 15. We regret the inconvenience this will cause our Smithsburg-area members. Tax Refund Checks Cashed for Members Only We process federal and state income tax refund checks for members only. If the check is issued in two names and only one is a member or joint owner, it must be personally endorsed by all parties in the presence of a Member Service Rep. Photo ID is required. State refund checks must be endorsed by all parties even if they are for deposit only. Attention Mortgage Holders Bring Us Your Tax Bills Bring us your tax bills if we escrow for your city, county and school taxes. We can’t pay your taxes for you if we don’t have the bills! Board Members To Be Installed at Annual Meeting You are cordially invited to attend Bulldog Federal Credit Union’s Annual Business Meeting, Tuesday, April 23, at 5:30 p.m. at the Morris Frock Post No. 42 American Legion on Northern Avenue, Hagerstown. Two incumbent directors will be installed on the board of directors during the meeting. They include Joyce Stanley and Michael Spain. Our thanks go to these dedicated volunteers who generously give their time and expertise in the service of our Credit Union. Don’t Use it? You’ll Lose it! Inactive Bill Pay Accounts Closed Online bill pay saves you time and money by allowing you to pay up to 10 bills per month quickly and easily for free (nominal fee applies for bills over 10 per month). However, it’s not free for us to provide it to you. So that we can continue to offer this valuable service for free to active users, we will close any bill pay account that is inactive for 6 consecutive months. Don’t lose your bill pay privileges. Keep your account active and save by paying all your bills online. Statement Fee Deadline Nears; Sign up for Free e-Statements Now! The July 1 deadline is fast approaching for the implementation of the new $2 paper statement fee for members age 18-65. Avoid the fee with free e-Statements. Signing up is easy: • Got to www.bdfcu.com and click the “Get your statement online” link in the middle of the page. • Stop by any branch. • Fill out the form below and return it to us before July 1. You’ll be notified by e-mail, usually on the first day of the month, when your e-Statement is ready. Then just follow the link in the e-mail to log into the secure site to view your statement. You can log in anytime using the link on our website, then just bookmark the site in your favorite browser. It’s easy, secure and free. Enroll today. By applying for an e-Statement PIN, I agree to access my monthly and/or quarterly statement electronically. I understand that I will no longer receive a printed statement through the mail. BFCU will provide me with the ability to view my statements electronically; however, it is my responsibility to view, print, and/or save my statement for future reference. The secure site has the ability to store up to 24 months of my electronic statement history. If my e-mail address changes, I will notify the Credit Union immediately. It is my responsibility to examine my statement with reasonable promptness. If I notice any errors or unauthorized activity, I must notify the Credit Union within 60 days of receipt of the first statement on which the error appeared. Should I discover an error, I will follow the procedures outlined on the reconcilement form also provided electronically with my statement. Congratulations Contest Winners! We extend belated congratulations to the 2012 Junior Connection Club holiday stocking contest winners whose names were chosen too late to make it into the Winter newsletter. Nichole Sottile and Adam Baker won giant toy-filled stockings. And Kayla Keplinger and Kameron Hollinger won $20 Visa® gift cards. If you have children between the ages of 5 and 12, enroll them in the Junior Connection Club. They'll earn gifts as they learn the value of regular saving. Kids from birth to age 4 can join Kids ‘R Members Too. We’ll give them $5 to open their account and a free piggy bank. Stop by any branch to get your kids on the road financial independence! I agree to these terms and conditions. I will receive a PIN by mail. PINs are not kept on file at the Credit Union. If I forget my PIN, I will contact the Credit Union for a new one. Member Name: Joint Account Holder (if any): Account # (list all accounts to receive e-Statements): SSN: DOB: Signature: Address: City/State/Zip: Daytime phone: e-mail address: Mail to: BFCU, 580 Northern Ave., Hagerstown, MD 21742 as of Mar. 31, 2013 Loan Rates & Terms APR FIXED Secured* up to 24 mos. 25-36 mos. 37-48 mos. 49-60 mos. 61-84 mos. Share Certificate Secured Up to 90% of face amt. Signature Home Equity as low as 5.00% as low as 5.25% as low as 5.50% as low as 5.75% as low as 6.00% The daily periodic rate and corresponding APR will be 2% above the rate paid on the pledged CD. as low as 11.75% as low as 6.00% VARIABLE APR Secured* up to appx. 48 mo. 49 to appx. 84 mo. as low as 6.00% as low as 6.00% Signature as low as 6.00% 2.05% Share Secured 8.25% Overdraft Protection Call for rates First Mortgage as low as Prime+0% Home Equity call us VISA Share Account Min. Balance $25 Regular Share Christmas/Vacation Club none none Share Draft Money Market Share under $2000 $2000 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 and over Main Office 580 Northern Avenue Hagerstown, MD 21742 301/797-6318 fax (240)420-2000 York Road Branch 17555 York Road Hagerstown, MD 21740 Dual Highway Branch 1240 Dual Highway Hagerstown, MD 21740 Rates/terms subject to change without notice. Offered to those who qualify with approved credit. * Secured rates are non-promotional. Extended terms available based on amount financed. Saving Rates & Terms Contact BFCU as of Mar. 31, 2013 The Centre at Hagerstown APR APY 17990 Garland Groh Blvd. Hagerstown, MD 21740 0.050% 0.050% 0% 0.05% 0.05% 0% Smithsburg AC&T 0.050% 0.100% 0.200% 0.300% 0.350% 0.450% 0.05% 0.10% 0.20% 0.30% 0.35% 0.45% APY is annual percentage yield. For more information about account terms and conditions and Truth-In-Savings disclosures, please call the Credit Union. Rates subject to change. Call for current APRs/APYs. 22507 Jefferson Blvd. Smithsburg, MD 21783 Sharpsburg Pike Branch 10306 Remington Dr. Hagerstown, MD 21740 Website/Internet Banking www.bdfcu.com e-mail info@bdfcu.com Find F ind Yoour ur B Balance alance Routing Number 2550-7751-6 MOBILE BANKING K-9 Line 24-hr. telephone access (301)797-4755 1-888-K9LINE9 Lost/Stolen Visa Debit Card 1-800-523-4175 after hours Download the free iPhone or Android smartphone app! Visa Debit Card Activation/PIN 1-866-985-2273 Holiday Closings Monday, May 27 Memorial Day Thursday, July 4 Independence Day CU At A Glance Assets $126,620,761 Loans $44,408,574 Shares $106,900,635 Members 22,347 ClockWISE Credit 24-hr. loans 1-800-943-5568 Hours (all branches-same schedule) Lobby Mon. - Thurs.: 9:00 A.M. - 5:00 P.M. Fri.: 9:00 A.M. - 7:00 P.M. Drive-Up Mon. - Wed.: 9:00 A.M. - 6:00 P.M. Thurs. - Fri.: 9:00 A.M. - 7:00 P.M. Sat.: 9:00 A.M. - 2:00 P.M.