Step Up to an Apex Platinum Visa Credit Card! Get The Card You Deserve!

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1 Summer 2015 The Newsletter of Apex Community Federal Credit Union in this issue: Apex Auto Loan Program... 2 Summer Travel Tips... 4 Skip-A-Pay Loan Program... 5 Home Loans... 6 Visa Card Programs... 6 Access When You Need It... 7 Apex Relationship Checking... 7 AND MORE! International Travel Plans? Contact Apex! To guard against fraud and protect your account, your Apex debit and credit cards will not work outside the U.S. Not to worry: Apex will activate your card for international use if you request it. Stop in or call Apex for details: Step Up to an Apex Platinum Visa Credit Card! Get The Card You Deserve! Step up to our all-new Visa Platinum credit cards! We re offering two ways for you to enjoy the convenience of a great credit card and save lots of money: Visa Platinum: Rates as low as 7.99% APR* plus a special 2.99% APR introductory rate on balance transfers** Visa Platinum Rewards: Rates as low as 8.99% APR*, our special 2.99% APR introductory rate on balance transfers**, and UChoose Rewards earn bonus points with every purchase redeemable for brand-name merchandise, travel discounts and more See the current selection at apexfcu.com. No matter which Visa Platinum card you choose, you ll step up to savings: No Annual Fee or Balance Transfer Fee Low Rates for Every Purchase 25-Day Interest-Free Grace Period on Purchases Fraud Protection: Verified by Visa Secure Online Purchases Accepted Everywhere Here s how it works: Open a new Apex Visa Platinum account and transfer balances you have with another card issuer. Instantly, you ll enjoy six months of a low 2.99% APR** rate! Plus, there s no balance transfer fee. Want to know more? Stop by to fill out an application, or apply online at apexfcu.com. You can also call us at our LoanLand number: (610) 970-LEND (5363) * APR = Annual Percentage Rate. Rates shown are for qualified borrowers. Your rate may vary based on credit history. See application disclosure for complete details. ** Special 2.99 percent APR for balance transfers is in effect for six months and then reverts to your regular low rate. Special introductory rate on balance transfers ends 12/31/15. See your Apex loan officer or go online for details.

2 Step In to a New Car with an Apex Auto Loan! Great news! Apex has low auto loan rates that are typically lower than the rate you can get from a car dealer or commercial bank! Phoenixville Phantom Branch If you or family members and friends attend Phoenixville High School or serve on the faculty, Apex has a special branch office on school grounds. It s easy for Phoenixville students and faculty to access Apex and all our financial services. Remember, once a family member joins, everyone in the family is eligible for membership. Haven t signed up yet? Stop by the Apex Phantom Branch to say hello and pick up a FREE Gift - a Thank You for joining the Apex community! Get pre-approved from Apex today! Terms are up to 84 months on cars, trucks, up to 72 months on motorcycles, and a full 180 months for RVs. With a pre-approved loan, you ll know how much you can afford when you visit the dealership, which gives you a better basis for negotiating price. The Apex Auto Loan program includes: Get Pre-Approved Know how much you can afford! The Driving Sense Program An auto loan that works like a lease! Extended Warranties Important if your loan has a long term! Insurance Programs Make sure you re covered for emergencies! o GAP Insurance Covers the difference between the amount still owed on a vehicle and its current market resale value o Debt Protection Pays your loan if you are temporarily disabled or unemployed (coverage may include disability, life or unemployment). Want to know how much you can afford? It s easy! Visit our online calculator at: At Apex, we are here to serve our members we ll do what we can to help even if your credit rating is less than perfect. Stop in today - we re the friendly place to borrow! Great vehicles. Great selection. Great prices. Receive a $100 gas card. 1 Upon used vehicle purchase from Enterprise Car Sales. August 1 31, 2015 To get pre-approved for the event, call Apex Community Federal Credit Union at Preview our great selection of quality used vehicles or find the nearest location at cuautodeals.com 1 $100 gas card will be issued 30 business days upon purchase (or financing) of vehicle. Offer valid only on Enterprise vehicles purchased 8/1/15-8/31/15 and financed through Apex Community Federal Credit Union. Offer void when 7-Day Repurchase Agreement is activated. No cash advances. This offer cannot be combined with any other offer. Not valid on previous purchases. Used vehicles were previously part of Enterprise short-term rental, and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. The e logo, Enterprise and Haggle-free buying. Worry-free ownership. are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners Enterprise Car Sales. F06422 Ad 5/15 KD 2 F06422 Ad.indd 1 5/28/15 3:06 PM

3 Total Value of Membership What would your life be like if you were an important member of a leading financial institution? As a member of Apex Community Federal Credit Union, you are that important! As a credit union member, you are part of a not-for-profit, member-owned financial institution that helps you and your fellow members: People Helping People. Each dollar you place in your account makes funds available for loans and services that directly benefit your community. Since any profits stay with the membership and do not go to shareholders Apex is able to offer loans and services at rates less than a commercial bank. You are also helping our community. By keeping our funds in our own community, we are helping our neighbors and local businesses grow. Once you join, you are a member for life even if you move, change jobs or retire. Since Apex is part of a network of over 5,000 credit unions, you have 24/7 access to all our financial services get cash from an ATM, apply for a loan, or manage your accounts. MEMBER ALERT: Visa Card Holders If you have an Apex Visa credit card that was issued before April 1, 2015, it is no longer part of the Apex Visa Card Program. We encourage you to re-apply for an Apex Visa - we have three exciting Visa card programs available. Call us for details at (610) 970-LEND (5363) Any of your family members are eligible for Apex membership, as well as friends and neighbors, who live, work, worship or attend school in Berks, Chester or Montgomery counties. All they have to do is deposit and maintain at least $5.00 in an Apex account. As a member of Apex, you are more than a customer: you are an owner. Spread the good word to your friends and neighbors about the benefits of credit union membership! Holiday Closings 2015 Independence Day Saturday, July 4th QUOTE OF THE QUARTER: Beware of little expenses; a small leak will sink a great ship. Benjamin Franklin New Online Protection Effective July 1, 2015 you will be prompted to change your online password. This will now be required every 180 days to help aid the security of your accounts. You ll be automatically prompted at login to make the change. At Apex, we re committed to protecting member information. news you can use! Member Savings! By being a credit union member, you can take advantage of special member only discounts and opportunities for a variety of brand name products and services through Love My Credit Union Rewards. Get the complete details online and start saving today! LoveMyCreditUnion.org 3

4 Stepping Out? Summer Travel Tips Summer travel is meant to be an adventure, and chance to relax and unwind from your daily work routine. However, to make sure your vacation is truly stress-free, you have to be travel smart and avoid trouble! Here are some simple summer travel tips: 1) Be careful who you tell about your travel plans. Posting vacation plans on your social media accounts is an open door to burglaries. 2) Have a trustworthy neighbor pick up your mail and newspapers. 3) Install motion detector lights outside or timed lights inside. 4) Make sure your credit and debit cards are up to date and that you have sufficient funds for your trip. 5) Alert Apex before you travel credit card companies may deny a purchase far from home or internationally, as a protection against fraudulent use. Apex will alert the card issuer for you. 6) Make sure your kids or other family members know your hotel numbers and locations of travel. 7) For air travel, double-check that you have your tickets and call to confirm departures are on schedule before you leave for the airport. 8) Never leave baggage unattended. 9) For road trips, do a thorough checkup fluids, hoses, belts, brakes, lights, wipers, and tire air pressure, including the spare do it a week early in case you need repairs. 10) Road trip emergency kit a first-aid kit, flashlight and batteries, flare, jumper cables, and a bottle of water. 11) Pack snacks, extra clothes and something to stay occupied. 12) Take lots of pictures so you can share the fun! The Vault Makes Managing Money Easy How would you like to make an easy $1200? That s how much money Apex members save each year by using The Vault, the Apex online budgeting toolbox. It s a FREE service to our members! The Vault lets you look at all your spending and saving habits each month, not only for Apex accounts, but also for accounts at other financial institutions. Just seeing all your finances on one page is helpful. And The Vault has cool tools, like loan calculators and tips on budgeting. But the real power of using The Vault is its Goal Setting and Spending Target tools. The Vault: Goal Setting - If you have a special purchase in mind, The Vault provides a place for you to outline your goal and when you want to reach it. Then, as each month goes by, you will see how well you are progressing toward reaching your goal. The Vault: Spending Target - If you want to reach your goal, it is important that you track how much you are spending on everyday purchases. Groceries, restaurants, movies, sports and activities, as well as monthly utilities can add up quick. With Spending Target tools, you will set reasonable budgets for everyday expenses and improve your ability to save enough to meet your goal. Ready to better manage your money? Log on the apexfcu.com and click on The Vault tab. It s that easy to be on your way to saving money. Loan Payment Due? Pay Online! As an Apex Community Credit Union member, you can keep current with your loan payments by using our online Payment Center - it s fast and easy! Use the Payment Center to: Make loan payments Transfer funds from your Apex checking or savings account Transfer funds from an account at another financial institution * GREAT FREE SERVICE. New Online Payment Center! Transfers from Apex or another financial institution may not exceed $2,500. Allow 72 hours for your transaction to post to your account activity statement. You can also use the Apex Telephone Teller or mail your loan payment. Learn more at the Apex website or call or stop by the Apex office. 4 * You will need to enter the routing/transit number and checking or savings account number of the other financial institution. There is a $3.00 Apex fee for a payment transferred from another financial institution.

5 Skip-A-Loan Payment For Extra Summer Cash You can skip a loan payment any month that s convenient for you. Simply complete the attached form and mail it or bring it to the credit union. Vehicle and personal loans are eligible.* Skip-A-Pay Application Form q YES, I would like to skip a loan payment in: (Choose the month that s best for you.) Type of Skip-A-Loan Payment* q Vehicle Loan q Personal Loan q I understand the cost of Skip-A-Loan Payment is $30.00.* Member Name Account Number Daytime Phone Number Loan Number Automatic Payment q Yes q No If yes, Transfer From: q Savings q Checking q I will pay by cash or check * A $30.00 processing fee per loan will automatically be deducted from your share account or you may pay by check or cash. Interest will continue to accumulate on your loan during the month you skip your payment. You may only skip a payment one time during the calendar year. This is a special offer, all member accounts must be in good standing to be eligible. Contact the credit union for any questions or clarifications about this program. Member Signature Date Co-Borrower Signature Date Bring this form to the credit union, fax it to or mail to: Apex Community Federal Credit Union, Loan Department, 540 Old Reading Pike, Pottstown, PA Credit Union Use Only By signing this form you agree to amend the terms of your original agreement and to repay the entire unpaid balance of $ plus interest at % by paying $ every (payment frequency) beginning (date). Date of Charge By. Talk About Savings! Get the Sprint Credit Union Member Discount Let us introduce you to valuable savings on monthly wireless bills plus waived activation and upgrade fees. It s all possible thanks to Apex Community Federal Credit Union, Love My Credit Union and Sprint s Credit Union Member Discount program. Ways you can save: 10% off* select personal Sprint plans 15% off* select business Sprint plans Waived activation fee on new activations Waived upgrade fee Available to new and existing Sprint customers 3 Ways to Get Your Discount: Call 877.SAVE.4CU ( ) and tell them you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. Click LoveMyCreditUnion.org/Sprint. Visit your nearest Sprint store. Start saving with Sprint today! * Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans. All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel. 5

6 Get a Visa Classic Secured Credit Card If this is your first credit card or you are re-establishing your credit, the Apex Visa Classic Secured credit card is the smart way to go. You ll have all the convenience of a credit card, at rates starting at 15.99%APR * - and never higher than 18.00%. Compare the Apex Visa Classic Secured to any commercial bank card and you ll see we have the best rate around! Step up to Apex Visa Classic Secured call us, stop by or download your Visa application at apexfcu.com/loanland/ new-apex-visa-credit-cards/ * APR = Annual Percentage Rate. Rates shown are for qualified borrowers. Your rate may vary based on credit history. See application disclosure for complete details. Need A Loan? Come to Apex! Apex Home Equity Loans as low as 4.25%! * Time to fix up the house or to consolidate and pay off credit card bills? Take advantage of a Home Equity Loan at Apex! We offer a variety of loan packages with loan terms up to 20 years. An Apex Fixed Rate Home Equity Loan for up to 90% of your home value and a term of 1-60 months is as low as 4.25% APR *. And your loan interest payments are usually tax-deductible! * Apex Home Equity Line of Credit Need cash to buy a car, update your career training or take advantage of a super deal? An Apex Home Equity Line of Credit is the answer. You can borrow up to 90% of the value of your home and pay interest only on your outstanding balance. As you pay down your balance, you can borrow again, up to your credit limit. Interest rates are variable, based on your credit history and prevailing rates. ** Plus, you can get a rate as low as 1.99% APR ** good until December 31, Apply Today! For more information on choosing the best home equity loan for you, call, stop by, or apply online at apexfcu.com. * APR=Annual Percentage Rate. Rates shown are for qualified borrowers and subject to change. First or second liens. Borrow up to 90% of current market value of your home, less any outstanding liens. Contact your credit union loan officer for details, and your tax advisor regarding deductibility of interest. Property insurance required for all home equity loans. ** Home Equity Line of Credit (HELOC) rates adjust monthly based on the prime rate as published in the Wall Street Journal. The variable interest rate can be as low as 4% APR or as high as a maximum of 18% APR. Total amount cannot exceed 90% of the current market value of the home. Must be a first or second lien and does not apply to existing loans. Property insurance is required. Special rate of 1.99% for LOC ends December 31, For qualified buyers only. Apex Community Federal Credit Union has great rates on mortgages and Home Equity Loans and Lines of Credit, typically much less than you can get at a commercial bank. Our strength is our membership: the more members who have Apex home loans, the more money we have to lend. Stop by today - we re your friendly place to borrow! 6

7 Apex is Open for Business 24/7! Some of our members remember the days when banking meant you had to visit our Apex office to get cash, apply for credit card or loan and other financial matters. While we love to see you in person, Apex services are now available online, 24 hours a day, 7 days a week! Access apexfcu.com from your desktop computer, laptop, tablet or smartphone any time you need us. At our customer-friendly website, you ll find: Account balances E-statements showing all your recent transactions Easy online deposits with Remote Deposit Capture Pay your one-time and recurring bills online Convenient access to rates on home and auto loans Online applications for all types of loans Instant access to current Apex and Apex-partner promotions Locations and hours for Apex ATM machines Apex office hours, location and contact numbers Just to make things even easier, you can also bank by phone! Use the Apex Telephone Teller to check your account balance, verify that a check has cleared, transfer funds, make loan payments and other services all you need is your PIN number to verify your identity. It s free! Relationship Checking Have your finances suffered a rough patch? Apex is here to help. Our Relationship Checking account is specially designed for people working to repair their finances. Visit Apex to open a Relationship Checking account and you ll enjoy free access to all Apex online services: Account balances Transfer money among accounts The Vault helpful budgeting tools Free debit card you can use at retail stores and online (Direct Deposit Required) Driving Sense is Better than a Lease! The Apex Driving Sense vehiclefinancing program is better than a lease: your payments are based on what the vehicle will be worth the year your lease is scheduled to end, instead of the price when you first purchase it. With Apex Driving Sense, you ll enjoy: Lower monthly payments Up to 100% financing for qualified borrowers No upfront first or last payment No early payoff penalty 12, 15 or 18,000 miles per year options Sell, trade, refinance or return the vehicle at loan maturity Sound great? It is! Call or come by Apex today, or apply online at apexfcu.com. Start Earning Buzz Points TM Apex makes shopping rewarding, too. When you use your Apex Money Card at participating merchants, you ll earn Apex Buzz Points redeemable for gift cards at stores. It s a free rewards program. Go online, click 24/7 Access > Money Card ATM/Debit Card online. Then click the Buzz Points link and Enroll to get started today! And to show our support for our community, you earn extra points for choosing a locallyowned business. It s the Apex Community Federal Credit Union way: People Helping People! Relationship Checking charges a low $5 monthly service fee. Ask for details today! 7

8 540 Old Reading Pike, Pottstown, PA Pottstown Main Office 540 Old Reading Pike, Pottstown, PA Phone: Fax: Loans: LEND(5363) Lobby Hours Monday-Wednesday 9:00 a.m. to 4:30 p.m. Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. 2nd Tuesday of the Month: Open at 10:00 a.m. Drive-Thru Monday: 7:30 a.m. to 4:30 p.m. Tuesday-Wednesday: 8:30 a.m. to 4:30 p.m. Thursday: 8:30 a.m. to 5:00 p.m. Friday: 7:30 a.m. to 6:00 p.m. Saturday: 9:00 a.m. to 12:00 p.m. Telephone Teller 24-Hour Audio Response Teller or Board of Directors Daniel Jones Chairman Patricia Guntick Vice-Chairman Gary E. Twardowski Secretary/Treasurer Eric Becker Director Jack Bucciaglia Director Joseph Kandler Director James Rutkowski Director Supervisory Committee Kevin Villano Supervisory Committee Chairman Albert Testa Committee Member Mike Guntick Committee Member Staff David Cocci President/CEO Stephen Ziegler VP Accounting Trisha Schadler Lending Supervisor Jodi Toennies Lending Lynn Yocom Lending Tina Shingle Member Services Supervisor Linda Bender Member Services Joan Kohn Member Services Keith Shingle Member Services Theresa Soto Member Services Lori Weimer Member Services Michelle Gagliardi Member Services Apex for the College Bound! Just about every college kid has a computer and a smartphone at their fingertips. So help them out: create an Apex account they can easily access online 24/7. Apex has all the services they need, from instant account balances, to quick transfers from one account to another. For books, food, emergencies and pizza runs, you ll help them make it through college in style - and perhaps on budget. They may even say thank you! service@apexfcu.com Website: Open an Apex account for your college student today.