SUMMER 2010 College is a big investment. But don’t worry‚ Susquehanna Valley FCU is here to help with private student loans. These private loans are designed to bridge the gap between federal funding and the full cost of the education. ••••••••••••••••••••••••• SVFCU’s private loans offer: Competitive interest rates — and rates can go even lower with good grades 1% interest rate reduction once you repay 10% of the loan 30-day no-fee return policy No cosigner required for juniors and seniors — creditworthy students can apply on their own Zero fees for borrowers who opt for interest-paid repayment option ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• The loan can be used to pay for qualified education expenses‚ including tuition‚ room and board‚ books or a computer. Full interest and principal payments are deferred until 6 months after graduation and the repayment period is up to 10 years. Borrow as little as $2‚500 or as much as $30‚000 per academic year. Get started today! Apply online at svfcu.org. Visit SVFCU on SVFCU has joined Facebook! Visit our page to be among the first to learn of events like our Enterprise Car Sale or Photos with Santa. In addition, we’ll post our special rates, Facebook-only promotions and contests. We want to hear from our members. Comment on our posts and answer our questions and you could win prizes. See you online! Sign Up for SVFCU’s online banking service offers free account alerts! With a simple setup, you can receive an e-mail alert for most any account activity that you select. Some sample alerts include when: as lance h a b r u Yo elow a fallen b d amount... ate design rtificate e c e r a Your sh o mature... tt is abou is yment a p n a Your lo certain a due on date... on has i t c a s n a Your tr cted due to je been re t funds... ien insuffic red as clea h k c e A ch ignated s e d a above t... amoun eposit d t c e r i Ad nated g i s e d a n above as bee h t n u amo d... receive To sign up for account alerts, log on to online banking. Click the Self Service tab, and choose Account Alert under “Alerts”. Alerts will be sent to the e-mail address that is on file for your online banking profile. To verify or change this e-mail address in the online banking system, click the Self Service tab, and choose Personal Information under “Personal Options”. All it takes is just one look! Visit us online at svfcu.org today! Member Business Spotlight FINANCIAL PLANNING Susquehanna Valley FCU’s Member Business Directory is a list of businesses owned or operated by SVFCU members. In many cases, the businesses offer discounts or specials to fellow SVFCU members. This quarter’s member business spotlight is on: Do You Need Long-Term Care Insurance? Gregory J. Arendacs, D.M.D If you’re one of the millions of baby boomers preparing for retirement, looking into long-term care (LTC) insurance should be near the top of the planning “to do” list. According to a study by the U.S. Department of Health and Human Services, people who reach age 65 will likely have a 40 percent chance of entering a nursing home. With the population generally living longer, the need for LTC and protection from the burden of its high costs is a distinct possibility in the future. 79 Cedar Avenue Hershey, PA 17033 Phone Number: 717-533-8897 Products or Services Offered: General and family dentistry Special Offer for SVFCU Members: 10% discount Little Hannah Is a Big Winner! When Hannah visited SVFCU during Youth Week in April, she thought she was walking away with stamps on her Stars & Stripes Kids Club card, a Rice Krispies treat and a bottle of bubbles. But she later learned that she was one of only ten national Youth Week savers to win $100! Congratulations, Hannah! CORNER LTC includes a variety of services, including medical and non-medical care for people who have a chronic illness or disability. LTC is frequently associated with the elderly, but accidents and illness can put even children in the position of needing care. The 2009 national yearly room rate in a nursing home facility ranges from $72,270 to $79,935 (semi-private to private room). Generally, Medicare pays only for medically necessary skilled nursing facility or home care for a limited number of days, leaving the patient responsible for the majority of the cost. With this risk left unmanaged, prolonged care may exhaust a large portion of one’s life savings. That’s why it is important to consider incorporating LTC options into your longterm financial plan. Visit us online at svfcu.org Speak to a Representative (717) 737-4152 1-800-948-1454 toll-free • (717) 737-0589 fax 3850 Hartzdale Drive Camp Hill, PA 17011 339 East Park Drive Harrisburg, PA 17111 Office Hours M–F: 9:00 a.m.–5:30 p.m. Sat: 9:00 a.m.–Noon Drive-Up Hours M–W: 8:30 a.m.–5:30 p.m. Th–F: 8:30 a.m.–6:00 p.m. Sat: 8:30 a.m.–Noon Drive- & Walk-Up Hours M–Th: 8:30 a.m.–5:30 p.m. F: 8:30 a.m.–6:00 p.m. Sat: 8:30 a.m.–Noon Holiday Closings Monday, September 6 — Labor Day Monday, October 11 — Columbus Day Telephone Account Access: 737-1741 or 1-888-212-1635 After Hours Lost / Stolen Credit Card: 1-800-991-4961 After Hours Lost / Stolen ATM / Debit Card: 1-800-554-8969 Routing Number: 231382568 Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency designed & printed by visions, ink. 300871 6/10 How can you incorporate LTC insurance planning into your financial plan? Ask Steve Brindamour, our Investment Representative. Call 717-737-4152, ext. 126, or e-mail him at SteveB@svfcu.org. 3850 Hartzdale Drive Camp Hill, PA 17011 Sign Up for FREE Account Alerts! See inside for details. All it takes is just one look! svfcu.org SVFCU is hosting another vehicle sale! Enterprise Car Sales will bring its great selection of pre-owned cars, trucks and SUVs to our Camp Hill office September 10-11. For this sale only, we’re offering rates as low as 4.50% APR*. In addition, Enterprise will deposit $350 to the share savings account of anyone who buys a vehicle after being preapproved for SVFCU financing before the sale and $100 to the account of anyone who buys a vehicle without a preapproval.** Request a Vehicle Ahead of Time: There will be a wide variety of vehicles in all price ranges, but if you have a particular vehicle in mind, let us know by e-mail or phone and Enterprise will try to have something available to fit your needs! Get Preapproved at SVFCU: Being preapproved for an auto loan could improve your shopping experience, whether you’re shopping at the sale or shopping at a dealership. Speak with an SVFCU loan officer to determine how much you can afford and go shopping armed with a preapproval. Educate Yourself Before You Shop: As always, before shopping for a new vehicle, visit svfcu.org and click Buying a Car on the left side. This section of our Web site offers tips on financing, taking test drives and buying pre-owned vehicles. *APR = annual percentage rate. Rates as low as 4.50% APR for 60 months. Financing for qualified SVFCU members. Not all buyers will qualify. Actual rate may depend on credit worthiness. Offer valid only on Enterprise Car Sales vehicles. Offer valid 9/10/10–9/11/10. **Bonus will be forfeited if buyer returns the vehicle. It's great to have options like Susquehanna Valley Federal Credit Union!