A Newsletter for Members of American Heritage Federal Credit Union. Spring Into a Home Equity Loan With Hot Rates!

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1 March 2015 AMHFCU.org A Newsletter for Members of American Heritage Federal Credit Union Spring Into a Home Equity Loan With Hot Rates! % 1.99APR * up to 36 Months 3.24% 3.99% 37 to 60 Months APR* 61 to 120 Months APR* Longer terms available! Get Your FICO Score for FREE Through OnLine Teller A good credit score is what each of us aspires to obtain and is the determining factor when borrowing money. So why is something that is so important to us such a mystery? Good news your FICO Score is now available through OnLine Teller for FREE*! Your FICO Score is updated monthly and available to you 24/7. Simply log in to OnLine Teller and click on the FICO Score tab to get started! Knowing your score in advance can be helpful in shopping for a mortgage, auto loan or any other kind of loan. Log in to OnLine Teller to receive your FREE FICO Score! *Internet service provider fees and 3rd party fees for message and data plans may apply. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. With winter coming to an end, now is the time to start planning your spring projects, and we can help with a Home Equity Loan or Line of Credit! Take advantage of the equity in your home to get the extra money you need for your big plans! Home Equity Loans are perfect to replace that broken garage door, build a deck, update your kitchen or install that family pool! We have fixed rate loans or a revolving line of credit available to fit your needs! Prepare for spring and use your home s equity to check-off your to-do list. No Appraisal Fees No Application Fees No Closing Costs Apply today at AMHFCU.org/HomeEquity. Drive Off the Auto Dealer Lot with $100 in Your Pocket In the market for a new car? Get an Auto Loan with American Heritage and get a great low rate and earn up to $100** cash! From now until March 31st, when you get an auto loan from American Heritage, we will give you up to $100! If that wasn t appealing enough, we have some of the most competitive rates in the market! Our rates are 2.49% APR*** for up to 60 months, 2.99% APR*** for 61 to 72 months or as low as 3.49% APR*** for 73 to 84 months on new or used vehicles. Start driving in something you love with the help of American Heritage, and earn up to $100 doing it! % 2.49APR ** up to 60 Months Visit AMHFCU.org/Auto for more information. We Offer You The Right Financial Solutions Because You re Family.

2 Hawaii * Enter the Because You re Family Sweepstakes* to win an all-inclusive paid trip to Hawaii valued at $15,000! Earn the chance to be one of ten members each month to win a $100 VISA Gift Card and an automatic entry into our Grand Prize drawing when you do one of the following: Invite your family and friends to become members Plus, you will each earn $25!* Open a new account Open a new loan or Open a Bump-Up CD We want you to share the gift of Credit Union membership with as many people as you can so each quarter of the year, the member who refers the most new members will win a Family Photo Package or a Bump-Up CD worth $500!** How s that for treating you like family? Enter the Because You re Family Sweepstakes now for the vacation of a lifetime! 00 $15vv,aa0 lu luee PPrriizzee!! d d n n a r a r G G For more information, visit AMHFCU.org/Family. Earn: Want $50 and a Chance to Win a MacBook Pro?*** You can win a MacBook Pro for adding eservices to your American Heritage account. Every addition is an extra entry to winning a MacBook Pro and earning up to $50! *** $25 for Bill Payer: Use Bill Payer to pay all of your bills electronically in one easy platform. Bill Pay Mobile Teller $15 For Mobile Teller App: Download our Mobile Teller App to your mobile device and have the convenience of account management anywhere you are, any time you want! $5 for OnLine Teller: Manage your finances right from the convenience of your computer! $5 for estatements: Stop waiting for paper statements and get estatements instantly through your . You can also have them all stored in one secure place through OnLine Teller. estatements Start adding these convenient services to enhance your American Heritage account, earn up to $50 and a chance to win a MacBook Pro! Learn about out eservices at AMHFCU.org OnLine Teller Call: , Option 4 Click: AMHFCU.org Visit: Your Local Branch Sweepstakes Disclosures: (*) Open a new account; refer a new member; open a Bump-Up CD; or open a new loan account between January 1, 2015 and October 31, 2015 to receive an automatic entry into the Because You re Family Sweepstakes. Referred member must be age 16 or over, have a minimum deposit of $15 and have an open account in good standing for 60 days before the $25 referral reward is posted. Ten winners will be selected once a month from January October 2015 and will receive a $100 Visa Gift Card and qualify for our Grand Prize and Runner-Up prize drawings. One Grand Prize winner will receive a Liberty Travel Gift Card valued at $15,000 for a Hawaiian Cruise or vacation of your choice; (5) Runner-Up winners will receive VISA Gift Cards valued at $500 each. Winners will be selected at the Grand Illumination Event on Saturday, November, 28, 2015 and must be present to win. Odds of winning determined by number of entries. Members receiving sweepstakes prizes will be sent an IRS Form 1099 and may be responsible for paying taxes on the sweepstakes winnings. Prizes are not transferable or exchangeable. AMHFCU assumes no responsibility or liability for damages, loss or injury resulting from acceptance or use of prizes. AMHFCU employees, board and family members are not eligible for the Because You re Family Sweepstakes. No purchase is necessary. Entry forms available at any AMHFCU branch. (**) The member who refers the most new members each quarter will win their choice of a Family Photo Package (valued at $350) or a Bump-Up Certificate of $500. Bump-Up Certificate must be remain open for a minimum of one year, or prize is forfeited. Early withdraw penalties will apply for certificates closed before their maturity date. Referred members must be age 16 or over, have a minimum deposit of $15 and have an open account in good standing for 60 days before the $25 referral reward is posted. Members receiving sweepstakes prizes will be sent an IRS Form 1099 and may be responsible for paying taxes on the sweepstakes winnings. Prizes are not transferable or exchangeable. (***) Sign up for Bill Pay to earn $25, awarded 30 days after a new Bill Pay account is opened and first bill is paid. Earn $15 when you download and use the Mobile Teller App, awarded 60 days after first use; sign up for estatements and earn $5, awarded after 60 days or two billing cycles; sign up for Online Teller and receive $5, awarded 30 days after sign up. Open any of the previously mentioned services and be entered to win a Mac Book Pro (valued at $1,500) selected at the Grand Illumination Event on Saturday, November, 28, Must be present to win. Members receiving incentives will be sent an IRS Form 1099 and may be responsible for paying taxes on the incentives. Offer valid from 1/1/2015 until 12/31/14.

3 AMHFCU has the Best Rates in the Country That Can t be Beat! % 4APY**** Don t wait any longer... Take control of your money today! Let your hard-earned money work for you when you invest in a 4% APY ****, 4-month IRA or Certificate of Deposit. With this 4-month CD, you can maximize your investment without being locked-in to a long term commitment. This limited time offer is valid on new money only with a maximum of $2,000. Looking to be more flexible with your investment? Our Bump-Up Certificate gives you financial freedom with a special one-time option to increase your rate at any time throughout its term. What does this mean for you? Invest your money today at a 2.21% APY for 59 Months or 2.00% APY for 47 months and as interest rates rise, you can increase your rate, allowing you to make your money work smarter and harder. 4-Month IRA or Certificate of Deposit Rates listed paid on $1,000 minimum balance - $2,000 maximum balance. New Money Only 2.21 Lock in Now, Bump-Up Later 59 Month 47 Month % % APY APY FREE Educational Seminars to Help Guide Your Life Join us for our No Cost, No Obligation Seminars to help you with your financial questions and needs. Our experts understand your situation and are ready to assist you! Our free seminars are informative sessions designed to give you the knowledge you need to be financially fit. Home Buying 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. Social Security & You This seminar will help you 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 for your family and your overall financial security! Retirement Income Planning Did you know that most people spend more time each year planning their vacations than planning their retirements? Join us as we try to take the burden and the 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. Carriage House Branch: Tuesday, March 24 th 6:00 PM Tuesday, March 31 st 6:00 PM Wednesday, April 8 th 6:00 PM Tuesday, April 21 st 6:00 PM Perkasie Branch: Tuesday, April 14 th 6:00 PM New Market St. Branch: Tuesday, April 28 th 6:00 PM Carriage House Branch: Wednesday, April 1 st 6:00 PM Wednesday, April 15 th 6:00 PM New Market St. Branch: Wednesday, April 22 nd 6:00 PM Perkasie Branch: Tuesday, April 7 th 6:00 PM Tuesday, April 21 st 6:00 PM New Market St. Branch: Wednesday, April 29 th 6:00 PM Register at AMHFCU.org/Calendar.

4 A Better Home Buying Experience Mortgages to Fit Your Needs American Heritage has affordable fixed and adjustable rate mortgages that can 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! Our Mortgage department has been helping members understand the mortgage process for over 25 years and we invite you to let us help you achieve the American Dream of owning your own home! 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. We realize if it hadn t been for your assistance in getting our mortgage paperwork through, we might not be sitting here, so again, THANK YOU!! This first month has flown by! So, as we send off our 1st mortgage payment this week, we ll be thinking of you, grateful for your truly friendly, knowledgeable, and calming assistance in those days of procuring our mortgage. - Pam and Larry (American Heritage Members) Your Dream House is Possible with Better Homes With spring in the air, have you been thinking about a change of scenery? Maybe moving has been on your mind but you don t know where to start. Make home buying a breeze with Better Homes of American Heritage Federal Realty. Better Homes of American Heritage Federal Realty is a full service real estate firm solely owned and operated by American Heritage Federal Credit Union. If you are in the market to either buy or sell your home, Better Homes of American Heritage Federal Realty is the perfect partner for you. Our veteran staff is extremely knowledgeable in the real estate business and understands your surrounding community. Best of all, when you partner with Better Homes, you can earn a 20% rebate of your realtor s commission when you buy or sell your home! That s just our way of saying thank you for letting us help you find your dream home! For more information visit AMHFCU.org/RealEstate or call us at Home Sale Price Member Rebate $100,000 $600 $200,000 $1,200 $300,000 $2,400 $600,000 $3,600 Examples in the chart above are based on a 3% commission rate; broker/agent commissions may vary. Example for illustrative purpose only. We re Moving Our Stock Exchange Branch is moving to a new and improved location at: The Murano Building, 2101 Market Street. The new Market Street Branch will be opening March 2015! New Saturday Hours: 9:00 AM - 3:00 PM Now Open in NJ We have crossed the Delaware with our New Bellmawr Branch! Located at: 203 East Browning Road Bellmawr, NJ Surcharge-FREE ATM Lucy Change Coin Counting Machine and much more Come See Us! Our new, state-of-the-art Market Street Branch features: Surcharge-FREE ATM 2 Personal Automated Teller (PAT ) Machines Lucy Change Coin Counting Machine Cutting-Edge Technology and much more!

5 AMHFCU s Most Secure Credit Card is Now Ready We are proud to announce that the American Heritage Platinum Chip MasterCard is now available! The Platinum Chip MasterCard has the latest in credit card security to help reduce fraud and identity theft. Your Mobile Device is the Key to Convenience Available on Apple s App Store and Google Play Store is the free American Heritage Mobile Teller App. Downloading this app will not only give you account access right at your fingertips, but can also save you a trip to your local branch with our convenient edeposit Service. With Mobile Teller, you can: Check Your Balance View Transaction History What makes the Platinum Chip MasterCard so secure? The Platinum Chip Card has an embedded computer chip right in the card. Traditional cards use a magnetic strip that contains unchangeable data, but with the chip, a unique transaction code is created for each purchase that cannot be used again. The chip requires the cardholder to submit their Personal Identification Number (PIN) in order to complete a transaction. This will ensure that the rightful owner of the card is making the purchase. The American Heritage Platinum Chip MasterCard will be replacing all cards as they expire. If you would like to take advantage of this new card now, call us at Transfer Funds Sales Event Pay Bills If you are eligible, you can even deposit a check using edeposit! Our edeposit service has the ability to take a simple picture of a check and deposit it right into any of your American Heritage account(s). So whether you are on the go or right in your living room, you can deposit through your smart phone! Save the Date: April 15th-18th Carriage House Branch 2060 Red Lion Road Philadelphia, PA Experience the most convenient account access through the American Heritage Mobile Teller App! To learn more, visit AMHFCU.org/Mobile or download it now to your mobile device through Apple s App Store or Google Play Store. Get Prepared for College with a Scholarship Calling all high school seniors! We want to help you get ready for college. We are giving 10 deserving high school seniors a $1,000 scholarship to help them take their next step in life. Applicants will be judged on academic achievements, community and school involvement, a letter of recommendation, and an essay describing, How American Heritage has offered you the right financial solutions. Don t wait; applications are due March 23, 2015! Apply today at AMHFCU.org/Scholarship Your Tax Forms are Available to You through OnLine Teller 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 in OnLine Teller.

6 Is Your CD About to Mature? A Message from the American Heritage Investment and Retirement Center If your American Heritage Federal Credit Union Share Certificate (CD) is about to mature, now s an excellent time to consider the investment options and opportunities available to you. Your certificate can renew automatically. Or you may choose to reinvest your funds in a tax-deferred annuity or other investment or insurance product. For more information about the broad range of financial and insurance products and services available, contact the 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, toll-free (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. FR Disclosures (*) Annual Percentage Rate. Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Rates current as of 02/01/15. Sample Monthly Payment: $10.12 for every $1,000 borrowed at 3.99% APR (Annual Percentage Rate) at 120 months. Annual Percentage Rate for members who choose to make loan payments via payroll deduction or automatic payment from an American Heritage Federal Credit Union account. Annual Percentage Rate is increased by 0.25% without payroll deduction or automatic payment. Payment for home equity loans do not include amounts for taxes and insurance premiums and, if applicable, the actual payment obligation will be greater. (**) Receive a $100 cash rebate when you buy or refinance an auto loan of $15,000 or more. Receive a $50 cash rebate when you buy or refinance an auto loan of $10,000 to $14,999. Offer not valid for refinancing of existing American Heritage Loans. Rebate will be deposited into your account within 30 days after loan has closed. Accounts must be in good standing with a minimum $15 deposit. Members receiving incentives may be responsible for paying taxes on the incentives. Offer ends March 31, (***) Annual Percentage Rate (APR) Rates for this product are determined by an evaluation of applicant credit. Your rate may vary from the rate shown. Rates effective as of 01/01/15 and are subject to change. Your payment may vary. All rates and promotions are subject to change without notice. (****) 4-month, 4% Annual Percentage Yield IRA Certificate available one per account and/or member. Dividend paid at maturity. Restrictions apply. This limited time offer is valid on new money only. Rates listed paid on $1,000 minimum balance - $2,000 maximum balance. ( ) Annual Percentage Yield (APY). Rates listed paid on $1000 minimum balance. Bump-Up Certificates allow a one-time rate increase corresponding with current advertised 47-month fixed-rate or 59-month fixed-rate AMHFCU certificates. The new rate will remain in effect until the certificate maturity date. A penalty may be imposed for early withdrawals. All rates are subject to change without notice. Rates accurate as of 02/01/15. Members Can Get Discounted Phone Service Through SPRINT! For more information call or visit AMHFCU.org. BULLETIN BOARD Event Schedule: Enterprise Car Sale Wednesday - Saturday, April 15 th -18 th at the Carriage House Branch Shredder Event Saturday, April 18 th at the Carriage House Branch, Perkasie Branch, and East Norriton Car Show, Craft Show Member Appreciation Day Saturday, May 16 th (Rain Date: Sunday, May 17 th ) 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. Sharon Mitchell, Branch Manager at our Parkside Branch, 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. Melissa Garman, Human Resources Representative, was honored as our Annual Employee Recognition Program recipient. Melissa 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. Frequently Asked Questions What is the Transition Rule for 2015 IRA Distributions? The Transition Rule for 2015 distributions will allow for more than 1 Rollover in 2015 as long as the institution involved in the Rollover was not included in a rollover within a 12 month period of time. For further assistance, please call our Contact Center by dialing or , or visit your nearest location. 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 7,200+ 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