SPRING IS THE TIME FOR A HOME EQUITY LOAN

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1 March 2016 AMHFCU.org A Newsletter for Members of American Heritage Federal Credit Union SPRING IS THE TIME FOR A HOME EQUITY LOAN If you re thinking about renovating your home, consolidating debt, financing college or making a significant purchase this spring, a home equity loan can be a smart solution. Home Equity Loan & Line of Credit A home equity loan offers the predictability of a fixed rate and fixed monthly payments over the life of the loan. A home equity line is a revolving line of credit that s almost like a credit card. Both offer flexible terms so you can have the assurance of a plan that works for you. NEW! Fixed-Rate Home Equity Line of Credit We are now offering a NEW Fixed-Rate HELOC for even more home equity options to choose from! The fixed interest rate offers peace of mind knowing that the rate will never increase for the life of the loan. Save money by only borrowing funds as needed. No monthly payments are due until the line is utilized. Whether you choose a home equity loan or line of credit, you ll benefit from competitive rates and flexible repayment options for affordable monthly payments that can fit any budget. Open up an American Heritage Home Equity Loan today! Features: Fixed interest rates as low as 3.24% APR* 3-year Draw Period 5-year, 10-year, and 20-year Amortization Options 3 Ways to Apply Today! Call: AMH-LEND Click: AMHFCU.org/HomeEquity Visit: Your Local Branch Variety of Line of Credit Amounts Starting at $5,000 Auto Loans Home Equity Loans Platinum MasterCard See inside for details! We Offer You The R ight F inancial Solutions Because You re Family.

2 Looking for a College Scholarship? Did You Know? Are you a senior in high school or do you know someone who is? American Heritage is offering 10 scholarships in the amount of $1,000 each to deserving graduating high school seniors. Scholarship applications are available online at AMHFCU.org/Scholarship. The deadline for your application is March 25, All American Heritage members are automatically qualified for discounted car insurance through Nationwide! With Nationwide, you ll receive exceptional insurance coverage and outstanding customer service at competitive prices. To learn more call Your Tax Forms are Available Online Looking to obtain your tax forms in a quick and easy way? Your 1099-INT and 1098 IRS tax information is available through OnLine Teller. Once you are enrolled and logged in, simply click on the IRS TAX Forms tab on the top menu and then select View under View Forms. In a few effortless clicks, your tax forms are ready to be printed. This only applies to you if you earned more than $10 in interest. Acquire your tax forms at AMHFCU.org and login to OnLine Teller. Doing Your Taxes Online? If you use Turbo Tax and decide you want direct deposit for your funds you will be asked for your American Heritage Routing Number and Account Number. These can both be found on your checks. Your AMHFCU Account Number is 13 digits long and can be found on the bottom of your checks. Your AMHFCU Routing Number is # FAQ How do I access Turbo Tax? As a valued member of American Heritage Federal Credit Union, you ll find out just how untaxing your taxes can be when you file your simple federal return for FREE with TurboTax Federal Free Edition. Visit AMHFCU.org/TurboTax to get started today!

3 Life Time Seminar Series American Heritage is offering a series of FREE educational seminars for all of your financial questions. Explore the upcoming seminars and dates below and register at AMHFCU.org/Calendar. Home Buying Seminars Presented by American Heritage and Better Homes Owning a home has always been the American dream, but the process can be overwhelming, especially for first-time buyers. What are closing costs? How much of a down payment do you need? How do I get pre-approved? Which type of mortgage would best fit your lifestyle? Our experts can help answer these questions with our Home Buying Seminars. Carriage House Branch: Wednesday, March 16th 6:30 P.M. Carriage House Branch: Saturday, April 2nd 10:00 A.M. Carriage House Branch: Wednesday, May 4th 6:30 P.M. Home Selling Seminars Presented by American Heritage and Better Homes Looking to sell your home? This seminar will answer all your questions by explaining step-by-step on how to sell your home with maximized profits. Experts will guide you through processes as well as give you personal advice with your specific household and location. Carriage House Branch: Saturday, March 12th 10:00 A.M. Carriage House Branch: Wednesday, April 6th 6:30 P.M. Carriage House Branch: Saturday, May 7th 10:00 A.M. Women and Investing Take Charge of Your Financial Future Learn how to take charge of your financial future by becoming a competent long-term investor, while achieving your financial freedom. Carriage House Branch: Tuesday, April 12th 2:00 P.M. Retirement Income Planning Take the burden and mystery out of deciding how to plan for your retirement. Our licensed advisors will review various sources of retirement income as well as expenses that you may face to help you come up with a plan to proactively provide retirement income for your future. King of Prussia Branch: Saturday, April 16th 3:30 P.M. Social Security & You Come learn how to unravel all of the moving parts of the Social Security system in an effort to give you the knowledge you need to maximize your Social Security benefits. Carriage House Branch: Saturday, March 19th 10:00 A.M. Market Street Branch: Tuesday, April 5th 6:30 P.M. See back page for all disclosures.

4 HOME BUYING Mortgages to Fit Your Needs American Heritage has affordable fixed and adjustable rate mortgages to fit your lifestyle. There are no fees to apply and the process is easy. Plus, our incredibly low rates turn into low monthly payments helping you afford your dream house! If you are looking to buy a new home or refinance your current mortgage, we are here and able to assist you. To learn more about our mortgages, visit AMHFCU.org/Mortgages or visit your local branch. Start managing your account stress-free with the use of our Mobile Services. We offer many options to give you that peace of mind to stay connected to your accounts while you are on-the-go! Mobile Teller App Our FREE* Mobile Teller App is packed with all the account management power you need! View Balances Transfer Funds Manage ealerts View your FICO Score edeposit Deposit a check simply taking a picture of the check, anytime or anywhere you are! Bill Payer Pay all your bills online for free! There is no monthly fee for this service. And Much More! For more information on buying or refinancing: Click: AMHFCU.org/Mortgages Call: Earn Up to 20% Rebate of Your Realtor s Commission Better Homes of American Heritage Federal Realty is a full service real estate firm solely owned and operated by American Heritage Federal Credit Union. We deliver the expert advice needed when you are searching, buying a new home, or selling your existing property. Even better we will save you money while you do it! Whether you re buying or selling, when you work with one of our licensed Realtors, you can earn a rebate of up to 20% of your Realtor s commission Home Purchase Price $100,000 $200,000 $300,000 $600,000 Account Management On the Go! Download our Mobile Teller App today on the Apple App Store or Google Play store. *3rd party fees for message and data plans may apply. Introducing TrueCar TrueCar is a website that enables its users to communicate with over 10,000 TrueCar Certified Dealers for a hassle-free car-buying experience. TrueCar s mission is to make the car-buying process simple, fair and fun. Shop today at, AMHFCU.TrueCar.com. Kids-N-Hope Foundation Donates $100,000 To CHOP Member Rebate $600 $1,200 $1,800 $3,600 Examples in the chart above are based on a 3% commission rate; broker/agent commissions may vary. Example for illustrative purpose only. Your rebate may vary. For more information on buying or selling a home: Click: AHFR.com Call: On January 14, 2016 American Heritage Federal Credit Union s Kids-N-Hope Foundation presented a $100,000 donation to the Children s Hospital of Philadelphia, a result of our 2015 fundraising efforts. Pictured is American Heritage President/CEO Bruce Foulke, Children s Hospital of Philadelphia CEO, Madeline Bell and staff members of American Heritage. See back page for all disclosures.

5 Auto Loans Home Equity Loans Platinum MasterCard American Heritage is offering a crazy-low 1.99% APR* on a variety of great loans. Whether you re looking for a new set of wheels, want to fix up your pad, make a major purchase, or consolidate debt - now s the time to make your move. Our great rates make it possible to keep your payments low and help you reach your financial goals during Ways to Apply: Call: 844-AMH-Lend Click: AMHFCU.org/RoundUp Visit: Your Local Branch Pat and Lucy are Giving a Lucky Member $10,000 *** PAT & LUCY S $10,000 LOAN SWEEPSTAKE S! For more information go to: AMHFCU.org/Sweepstakes

6 Could Assumptions Harm Your Retirement Plan? Presented by The American Heritage Investment and Retirement Center #1) Assuming retirement will last years. Historically, retirement has lasted about years for most Americans. The key word here is historically. When Social Security was created in 1933, the average American could anticipate living to age 58 as a man or 62 as a woman. By 2014, reports indicated life expectancy for the average American had increased to So assuming you ll only need 10 or 15 years worth of retirement money could be a big mistake. In 2014, the Centers for Disease Control and Prevention s National Center for Health Statistics said that the average 65-year-old American male can expect to live to nearly 83. The average 65-year-old American female has an average life expectancy of #2) Assuming too little risk. Holding onto your retirement money is certainly important; so is your retirement income and quality of life. Over the last few decades, we have had moderate inflation (and sometimes worse, think 1980). What happens is that over time, even 3-4% inflation gradually saps your purchasing power. Your dollar buys less and less. If your income doesn t keep up with inflation essentially, you end up living on yesterday s money. As you retire, you may assume that an extremely conservative approach to investing is mandatory. But given how long we may live - and how long retirement may last - growth investing may be important. For help with budgeting for retirement, contact the American Heritage Investment and Retirement Center at to schedule a meeting with a Financial Advisor. For help with budgeting for retirement, contact the American Heritage Investment and Retirement Center at ! Life insurance is not a deposit and is not federally insured or guaranteed by credit unions. This is a brief description of how life insurance can help with estate planning and is not intended to provide tax advice. For tax advice, please contact a tax professional. For legal advice, including a discussion of estate planning, please consult an attorney. Spending and Investing in Retirement, 2006, LIMRA International, Inc., and the Society of Actuaries Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, tollfree (866) Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. American Heritage Investment & Retirement Center (IRC), located at American Heritage Federal Credit Union, helps members organize their financial life and plan for the future. Securities sold, through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer. CBSI is under contract with the financial institution to make securities available to members. Trust Services available through MEMBERS Trust Company. The representative may also be a financial institution employee that accepts deposits on behalf of the financial institution. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. Bulletin Board: Shredder Event Saturday, April 16, 2016 At the Carriage House, Perkasie, Bridge Street and Quakertown Branches. Car Show, Craft Show & Member Appreciation Day Saturday, May 21, 2016 (Rain Date: Sunday, May 22, 2016) At the Carriage House Branch Stay up to date online at AMHFCU.org/Calendar American Heritage Honors Outstanding Employees! American Heritage recently held its Annual Employee Recognition Dinner and two very special employees were honored. MaryLou S., (third from the left) received the Al Nanners Award. Al Nanners dedicated over 40 years to American Heritage and used his position to make a positive impact on the lives of others. The Al Nanners Award is given by the Board of Directors to an employee who displays similar qualities. Tracy R., was honored as our Annual Employee Recognition Program recipient. She was nominated for this prestigious award by her co-workers. This honor is given to the employee who demonstrates dedication to the credit union philosophy of People Helping People, exemplary performance, and teamwork. Disclosures: * Annual Percentage Rate (APR) is determined by an evaluation of applicant credit, loan-to-value ratio (LTV), and other factors. Rates shown apply to an LTV of up to 80% and are subject to change without notice. Your rate may vary. Rate is increased by 25 basis points without automatic transfer payments from an AMHFCU account. Property insurance is required, and flood insurance may be required. ** Annual Percentage Rate. Rate may vary based on loan type, credit history, term, and collateral. *** No purchase necessary. Sweepstakes ends October 31, Legal residents of the United States (excluding NY and FL) who are at least 18. See official rules at any branch location or at AMHFCU.org/Sweepstakes. 24 Hour/7 Day Account Access NYCE ATM Network Contact Center: Phone Teller: OnLine Teller: AMHFCU.org Federally insured by NCUA For a full directory of more than 5,300 Shared Branches and 30,000+ Surcharge-Free ATM s, visit AMHFCU.org Provides up to an additional $250,000 of IRA Share Insurance Available on the App Store ANDROID APP ON