BELOW. How much will you save on your car payment? (you could reduce your monthly payment by up to $100) YOUR CURRENT RATE OR MORE** APR*

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1 A Quarterly Publication Spring 14 How much will you save on your car payment? (you could reduce your monthly payment by up to $100) TRANSFER YOUR AUTO LOAN TO ABCO & YOU COULD RECEIVE 3 % BELOW APR* YOUR CURRENT RATE OR MORE** Find out how much you could save by refinancing/apply online at goabco.org/mycarpayment or ask your teller * APR=Annual Percentage Rate ** Sorry, no rates lower than 2.49% APR. ABCO car loans excluded. Some vehicles will not be eligible for refinance. Not all will qualify. Normal underwriting guidelines apply. Offer ends June 20, goabco.org

2 Big City Efficiency Small Town Friendliness PRSRT STD U.S. POSTAGE PAID IMAGE.WORKS P.O. Box 247 Rancocas, NJ Federally insured by NCUA *APR=Annual Percentage Rate. This is the credit union s best rate. Rates will vary based on credit worthiness, the type and length of the loan, amount financed and lending guidelines. Contact us for complete details.

3 Thinking of a home? If you are thinking of a new home, now may be the ideal time to buy there is still a large selection, and rates are still affordable. Before you start looking, contact a Lending Specialist at ABCO to get pre-approved. By getting pre-approved for a certain amount, you will have many advantages. It will: Save you time shopping when you know how much you can afford. Put you in a better bargaining position to secure your dream home faster. Contact a Mortgage Lending Specialist at for your personal pre-approval. BUYING A HOME If you found your dream home and need financing, we can help. When you finance with ABCO you can be confident that you will receive: Competitive rates Minimal closing fee Low down payment A variety of financing options for qualified borrowers MORTGAGE OPTIONS Conventional Fixed-Rate Mortgages Adjustable-Rate Mortgages FHA (Federal Housing Administration) Loans More information and an application form is available online at INSURANCE SERVICES OFFERED BY: Available Now! Teachers Insurance Plan of NJ Auto Insurance Discount Special low discount rates are now available for people who work for or are retired from an accredited NJ school, district or diocese, or who are a member of an NJ Parent Teachers Association. You don t have to wait until your current policy expires to start saving on your rates. Not in the education field? You can still save. Ask us about other insurance plans for auto, vehicles (truck, van, motorcycle, SUV), home, even your pet! Insurance products are offered through various insurance companies in association with CU Financial Service Group, LLC, a wholly-owned subsidiary of ABCO Federal Credit Union (ABCO FCU). ABCO FCU provides insurance products and services through CUFIG to members and non-members without opinion to the product or service provided. Insurance products are not federally insured and not obligations of ABCO FCU, CUNA or any other affiliated entity. For complete details and a quote contact us: Phone: insurance@goabco.org

4 Your Credit Report MAILING ADDRESS P.O. Box 247, Rancocas, NJ goabco.org PHONE (ALL LOCATIONS) MEMBER CARE 24/7 TELEPHONE BANKING OTHER SUPPORT NUMBERS Visa Evenings, Weekends and Holidays Visa Credit Card Visa ATM/Check Card Bill Payer OFFICE LOCATIONS WILLINGBORO AREA MAIN OFFICE FULL SERVICE BANKING CENTER 690 Beverly-Rancocas Road LENDING CENTER East Ridge Shopping Center 621 Beverly-Rancocas Road RANCOCAS VILLAGE 215 Main Street BRANCH OFFICES ATLANTIC CITY 2652 Atlantic Avenue BROWNS MILLS 81 Pemberton-Browns Mills Road COOPER HOSPITAL (Hospital Employees Only) 1 Cooper Plaza, Camden EGG HARBOR TWP Black Horse Pike, Suite 8 GLASSBORO Doubletree Center, 870 Delsea Drive MOUNT HOLLY 76R High Street RIDER UNIVERSITY Ground Floor of the BLC Next to University Bookstore FOR CURRENT HOURS OF OPERATION AND DIRECTIONS TO OFFICES Go goabco.org or call us. ABCO FCU s ROUTING AND TRANSIT NUMBER LIKE US Most loans are based on a person s credit worthiness the ability to repay the loan. Credit worthiness is based on many factors, primarily your income, assets and credit score. Most lenders use these factors to determine whether to give you credit, how much they will lend and at what rate. The first thing to do is know your credit score. You can obtain a free credit report from This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.com is the official site to help consumers obtain their free credit report. Do not be taken in by other sites that charge a fee. You can get the same information for free. Once you have these reports review them carefully. According to Rod Griffith, Director of Public Education for Experian (one of the three reporting agencies), Look over your credit report and make sure everything is correct and that there are no signs of fraud or identity theft. You need to know what is in your report. If you see such things as reporting inaccuracies, incorrect late payments or incorrect account information, report it immediately. You can dispute in writing almost anything you think is negative. This can be seen by people reviewing your score. Clearing up these details may improve your score. Of course, it is imperative to report possible identity theft or fraud immediately. Word of caution the credit report is to be used as a guide only. There are many different ways that information is reported. While the number score used by ABCO may not be exactly the same as in the reports, you will have a good idea where you stand credit wise and you may stop identity theft. When you apply for a loan at ABCO, we will let you know your score and how we calculated it. At ABCO our goal is to find you the right loan at rates and terms you can afford. FIVE TIPS TO BOOST YOUR CREDIT SCORE Pay your bills on time. Late or missed payments, foreclosures and bankruptcies have the greatest negative effect. Keep debt in check. Try to keep account balances below 50% of your credit limit. Example: If you have a $2,000 limit, keep the outstanding balance less than $1,000. Keep accounts open. Closing old accounts especially ones with a good payment history shortens your credit history and lowers your score. Avoid excessive inquiries. A lot of new credit requests in a short period of time can reduce your score. Keep a healthy mix of credit. Vary the types of credit auto loan, credit cards, mortgage secured and non-secured. All of one kind can raise a flag. LITTLE OR NO CREDIT HISTORY? Have you heard the phrase, to get credit you need credit? At ABCO, we can help. We have a Credit Builder Loan with no credit check. Taking out a small loan and building a savings habit will start you on the road to obtaining your credit history. Credit Builder Loan Amount Increased Apply today online at goabco.org/creditbuilder or contact us in person or by phone. Borrow $2,000 NO Credit Report Fast Approval Easy Qualifications Term: 12 months Rate: 17% APR* *APR=Annual Percentage Rate. **Easy Qualifications: Must be employed for at least one year. Agree to payroll deduction for loan repayment. Have no other loans or credit card balances with ABCO. Agree to opt out of Privilege Pay. Agree to have $20.00 per month deposited into an ABCO savings account. Not a guarantee of financing. Loan subject to Lending Department approval. There is a $35.00 processing fee. ABCO FCU is not responsible for typographical errors, omissions or misprints in this publication.

5 1% CASH BACK ON BALANCE TRANSFERS FOR A LIMITED TIME *** Introductory rate of 6.75% APR* on balance transfers for the first 6 months** Apply online at goabco.org/visa Visa card features Fixed rates as low as 6.75% APR* No annual fee on most cards Earn reward points on purchases No balance transfer fee Spread the Word! Let your family members know. If they are not members, all are eligible to join, apply for an ABCO Visa, receive a low balance transfer rate and receive 1% Cash Back. Remember at ABCO there is NO BALANCE TRANSFER FEE! Let your co-workers know, too. Chances are they can join. Tell them to ask us! Hurry Cash Back and low balance transfer rate ends June 20th. *APR=Annual Percentage Rate. **After the 6-month introductory period, rates will vary based on credit worthiness. The current range is 6.75% APR-17.00% APR as of 03/15/14. This range is subject to change based on market conditions. Normal underwriting guidelines apply. Existing ABCO credit card balances do not qualify for the introductory rate. ***1% of the approved balance transfer amount will be deposited directly into your Primary Savings Account. Existing ABCO credit card balances do not qualify for cash back reward. Not eligible for points. Offer ends June 20, Great News! Our mobile app is now available. ABCO Mobile Banking is now available for Apple and Android TM phones. Download the free app at the Apple or Google Play store by simply searching ABCO. To use the ABCO app, you must be registered for Online Banking, since Mobile Banking uses the same security questions and PIN as Online Banking. Not yet registered for online banking? Visit goabco.org/onlinebanking. Set-up will take just a few minutes. Be sure to have your member number handy. The functions that can be performed with the app at this time are: View account balances and activity Transfer funds between ABCO Accounts Locate a branch or ATM Some helpful hints: To move between accounts, slide your finger left on your screen. To go back to the main menu, place your finger on the bottom of your screen and slide the menu up. There is an alternate skin for the app available called icon. You can switch between the dial and icon skins by going to the Settings menu. Any other questions, please contact Member Care. With our Free Mobile App and Free Online Banking you are ready to go ABCO for 24/7 access to your accounts on your computer and on your phone. Coming Soon Mobile Deposit

6 Time For Your Retirement Checkup! Does your 403(b) or ABP Retirement Plan have that rosy, healthy glow? Make sure you are saving enough for a healthy retirement. Contact the experts for a free checkup. A Wholly-owned Subsidiary of ABCO Federal Credit Union financial@goabco.org We have over 40 school districts, boards of education and colleges/ universities that have over $72 million in assets under management with CU Financial Insurance Group, a wholly-owned subsidiary of ABCO Federal Credit Union. We offer a free Educator s Financial Analysis to both individuals and school districts/boards of education/colleges and universities. Securities offered by Registered Representatives of ING Financial Partners, LLC (IFP), member SIPC. Investment Advisory Services offered by Investment Advisory Representatives of IFP. Insurance sold through licensed insurance representatives of various companies in association with CU Financial Insurance Group, LLC (CUFIG), a wholly-owned subsidiary of ABCO Federal Credit Union. ABCO Federal Credit Union and its subsidiaries are not corporate affiliates of IFP. Nondeposit investment products are not federally insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any affiliated entity, involve investment risks, including the possible loss of principal and may be offered by an employee who serves both functions of accepting member deposits and selling nondeposit investment products. IFP products are not offered, recommended, sanctioned or encouraged by the NCUA or the Federal Government. P.O. Box 221, Rancocas, NJ 08073; phone ; fax You can t afford to wait to ensure a healthy retirement. Contact us and get started today! Yes, I would like to get a Free Educator s Financial Analysis checkup from CU Financial Insurance Group, a wholly-owned subsidiary of ABCO Federal Credit Union. Name Address Address 403(b) Plans Participating School Districts/ Boards of Education: Alloway Township Atlantic City Atlantic County Vocational Tech Beverly City Brigantine Burlington Township Cape May County Tech Camden Academy Charter School Camden Promise Charter School Camden Pride Charter School Delran Township East Windsor Regional Eastampton Egg Harbor Township Evesham Franklin Township Glo ucester County Special Services Gloucester County Vocational Hainesport Township Hamilton Township Katz Charter School Logan Township Merchantville School District Monroe Township Moorestown Township Mount Holly Township Mount Laurel Township Pemberton Township Pitman Pittsgrove School District Quinton Township Stone Harbor Tabernacle Township Trenton Washington Township West-Windsor Plainsboro School District Westampton Willingboro Woodstown-Pilesgrove School District ABPs (Alternative Benefit Plans) Participating Colleges & Universities: Atlantic Cape Community College Burlington County College Camden County College College of New Jersey Gloucester County College Rowan University Salem Community College Stockton University If you do not see your place of employment, contact us. We are adding new groups constantly. Complete the form at right and fax to Eric Lorenz: Or send an with your contact information to: financial@goabco.org Home Phone Cell Phone Best Time To Call I work for I have an existing (check one) 403(b) ABP I do not have either a 403(b) or ABP plan but would like information. FREE $10.00 WaWa gift card when you come in for a Free Analysis. One per appointment. goabco.org