MEMBERSHIP Benefits PRODUCTS & SERVICES
Accessing Your Accounts 4-7 Mortgages 8-11 Auto & Consumer Loans 12-13 Personal Loans 14-15 VISA 16-17 Checking & Deposit Accounts 18-21 Financial Education 22-23
MEMBERSHIP Benefits New England Federal Credit Union (NEFCU), the largest Credit Union in Vermont, is proud to serve its members in Michigan and Ohio through our HealthOne Division. NEFCU and HealthOne combined serve more than 88,000 members. We offer low-cost mortgages, consumer loans and everyday banking services, with convenient and secure account access available through our branches, online, on mobile devices, and over the phone. NEFCU consistently earns high marks for customer service, as we ve made it our mission to work in your best interest by providing valued products and services that help to improve your overall financial condition. Please let us know how we can help you, and thank you for being a member we appreciate your business. ELIGIBILITY All persons living, working, worshiping or attending school in, and businesses or other legal entities located in Macomb, Oakland, Washtenaw, or Wayne counties in Michigan. Employees or pensioners of BlueCross BlueShield organizations, as follows: BlueCross BlueShield of Michigan, including employees who are paid from and supervised by the Detroit Office and employees of the following subsidiaries under its direct control. BlueCare Network of Michigan BlueCross BlueShield of Michigan Foundation Accident Fund Holdings, Inc. LifeSecure Insurance Company; and Medical Mutual of Ohio An employee of a food service provider whose permanent work station is located in an office building of an organization which is referenced above. Members of record of the Health One Credit Union as of December 12, 2014. Spouses of persons who died while within the field of membership of this credit union, employees of this credit union, members of their immediate family or household, and organizations of such persons. 3
ACCESSING Your Accounts NEFCUOnline is a secure, Internetbased service that gives you access to your NEFCU accounts 24 hours a day, seven days a week. At your convenience, you can access your account history, make transfers and payments, view statements and check images, apply for a new account or loan, manage your finances, and more.... BILLPAY Discover the power, flexibility and convenience of NEFCU s online BillPay! It s a great way to take care of recurring charges, such as utility bills and other regular payments, as well as single payments to a company or an individual. You can even choose to receive your bills electronically, so that all of your billing and payment activity can be managed online.
VISA ONLINE ACCESS Visa Online Access provides you with 24/7 secure access to your Visa credit card account through NEFCUOnline. Visa Online Access lets you: View Current Activity View Outstanding Authorizations View Statement History Make Payments edelivery/edocuments Electronic delivery (edelivery) from NEFCU can save you time and money, cut down on paper waste, and reduce your risk of identity theft all at the same time! When you register for edelivery, all statements and notices that NEFCU can produce electronically will be delivered to you by that method. Whenever a new document becomes available, a notification will be sent to you via email and/or text. At your convenience, you can then login to NEFCUOnline and click on edocuments to view, download, or print your document(s). ALERTS & NOTIFICATIONS By creating customized alerts, you ll stay informed about account status changes and activities that are important to you, which can help you avoid late fees and overdrafts. With notifications sent via email and/or text, you ll know quickly if there has been a large deposit or withdrawal, if a check clears, if your balance approaches a pre-determined level, if a loan payment is due, and more. PERSONAL FINANCIAL MANAGEMENT With FinanceWorks, you can consolidate, view and manage accounts from more than 19,000 financial institutions all from within NEFCUOnline. Every dollar you earn, spend, save, or invest is tracked and analyzed. FinanceWorks will categorize your spending habits, set budget goals, prepare for your taxes, and let you know how much money you have left to spend after you pay your bills. NEFCU also supports a variety of other PFM tools including Quicken Web Connect and Quicken Direct Connect. 5
Accessing Your Accounts MOBILE BANKING With NEFCU s wide range of mobile banking services, you can manage your accounts on the go from your handheld mobile device or tablet. Download the NEFCU Mobile App to review your account balances, make transfers, pay bills, deposit checks, view check images, or find ATM and branch locations anytime, anywhere. If you activate your device for Text Message Banking, you can even check your account balances or transfer funds via a simple SMS text. With Mobile Web, any mobile device with web browsing capability and a data plan can be used to securely access your account. HEALTHONE ATMS HealthOne ATMs offer 24/7 access to your accounts. HealthOne ATMs allow you to do withdrawals and deposits, make loan payments, transfer funds and check your balances all free of charge. 4 free transactions per account per month (excludes any fees that the foreign ATM owner may charge) FALCON, CO-OP SM, AND SUM ATM NETWORKS HealthOne members can use their HealthOne Debit Card to make surcharge-free withdrawals from Falcon, CO-OP, and SUM ATM networks. HEALTHONE DEBIT CARD HealthOne s Debit Card features free unlimited access to your accounts at all HealthOne ATMs. You can also use it to make purchases anywhere Visa is accepted. INFORMATION 802-879-8790 800-400-8790 TELEBRANCH 802-879-8790 800-400-8790
TELEBRANCH & LOAN PHONE Use your phone for personal service on accounts and to apply for loans. Call TeleBranch at 802-879-8790 or 800-400-8790 and Loan Phone at 866-80-LOANS. ACCOUNTLINE Accountline provides you with automated phone service for balance inquiries, transfers, payments and information. Available 24 hours a day, free of charge, at 802-879-8739 or 800-400-8790. ACCOUNTLINE 802-879-8739 800-400-8790 LOAN PHONE 866-80-LOANS WEB healthonecu.com 7
Mortgages Our goal is simply to find the best mortgage for you, whether you re purchasing your first home or refinancing. We offer quick and responsive service, fast turnarounds and an unrelenting focus on value. The result is a smooth and seamless process that gets you on your way....
FIXED RATE MORTGAGES Fixed rate mortgages deliver peace of mind by allowing you to lock in your interest rate for the duration of the loan. There is no risk that fluctuating rates will increase your payment. Terms available from 1-year to 30-years. Servicing of loan will stay with New England Federal Credit Union after closing. MORTGAGES ADJUSTABLE RATE MORTGAGES Adjustable Rate Mortgages, or ARMs, offer a lower fixed rate for a limited period of 12-84 months, after which time it can adjust based upon the rate change period outlined in the program disclosure. HealthOne ARMs are available from 1-year to 30- year terms. Servicing of loan will stay with New England Federal Credit Union after closing. HEALTHONE SHARE PROGRAM A choice of a 5/1, 5/5 or 7/1 Adjustable Rate Mortgage priced below our fixed rate with flexible underwriting guidelines and reduced monthly mortgage insurance. Servicing of loan will stay with New England Federal Credit Union after closing. JUMBO MORTGAGES Fixed rates for 10 or 15-year terms and Adjustable Rates for 30 year terms for a loan amount above $417,000. Minimum down payment of 5% for loan amounts up to $625,000 and 10% down for loan amounts up to $850,000. Servicing of loan will stay with New England Federal Credit Union after closing. 11 9
APPLYING FOR A MORTGAGE LOAN At HealthOne, applying for a mortgage is easy. You can apply anytime at healthonecu.com. Before applying, you should collect the following information to simplify the process: Copies of current paystubs Last 2 years of W2 forms Most recent 2 years of tax returns if self-employed A list of current monthly expenses including car loans/ leases, student loans, minimum payments on all credit cards and any co-signed loans If you have any questions or wish to make an appointment, just call one of HealthOne branches or visit healthonecu. com to apply online.
APPLYING FOR A MORTGAGE LOAN At HealthOne, applying for a mortgage is easy. You can apply anytime at healthonecu.com. MORTGAGES Before applying, you should collect the following information to simplify the process: Copies of current paystubs Last 2 years of W2 forms Most recent 2 years of tax returns if self-employed A list of current monthly expenses including car loans/ leases, student loans, minimum payments on all credit cards and any co-signed loans If you have any questions or wish to make an appointment, call 866-80-LOANS, visit one of the HealthOne branches or apply online at healthonecu.com. HOME INSURANCE HealthOne members get discounted group rates at MetLife Auto & Home and Travelers. Call the numbers below to see if you can save! MetLife Auto & Home 1-877-491-5089 Travelers 800-842-5936 11
Auto & Consumer Loans Whether you re buying a new or used car, motorcycle, RV, boat, ATV or snowmobile, HealthOne will get you moving quickly and affordably. We offer great rates and simple loan products designed to help you save money and time....
BENEFITS OF HEALTHONE AUTO AND CONSUMER LOANS INCLUDE: Same low rate for new or used vehicles (84 month term on new vehicles only) Up to 100% financing (including tax, title and registration) Fast turnaround Terms up to seven years Discounted Auto Insurance through MetLife and Travelers Credit Life & Disability Insurance could be available GAP Protection could be available AUTO & CONSUMER LOANS To apply, call the Loan Phone Team at 866-80-LOANS, visit healthonecu.com or stop in a branch today. 13
Personal Loans From weddings to college tuition to unexpected auto repairs, HealthOne's Personal Loans help you fund the things that keep your life running smoothly. HealthOne s low-cost personal loans offer great rates and flexible terms designed to meet your individual needs....
LIFESTYLE LOANS Whatever milestone is next for you or your family, HealthOne s Lifestyle Loan can make sure you re ready to enjoy it. A better alternative to credit cards, the Lifestyle Loan offers a fixed rate that lets you take the guess work out of financing things like: Weddings Dental procedures Adoption or fertility treatment Elective surgery (Lasik eye and Cosmetic surgery) Educational/Recreation camps for children Veterinary expenses PERSONAL LOANS SPECIAL PURPOSE LOANS Our Special Purpose Personal Loan offered at a reduced rate can be used for such things as: Energy Smart Loan - Are you ready to make your home energy efficient? With your energy efficient investment you ll save money for years to come. The Energy Smart Loan with HealthOne can be financed for 5, 10 or 15 years, depending on the amount you need to finance. Fuel Assistance - Need help with heating bills? Funds will be paid directly to the heating fuel provider. Income Tax - Our Income Tax Loan can get you through if you owe taxes. Funds will be made payable to the taxing authority. Auto Repair - Keep your vehicle safe and reliable. You can use it on such things as repairs and maintenance, snow/new tires, even upgrades and extras with the funds paid directly to the service provider. Home Improvement - Finance for your modest home improvement projects that may not qualify under our Energy Smart loan. Funds paid directly to the service provider. Holiday - The Holiday Loan can be used to pay for gifts, travel or even festive events it s up to you! 15
VISA HealthOne offers two types of VISA credit cards: VISA Platinum Rewards & VISA Platinum With the Visa Platinum Rewards card you earn one bonus point for every dollar spent and all Balance Transfers from your higher rate cards. Points are redeemable for cash! For every 1,000 points redeemed, you get $10 - a 1% cash back! Coming Soon! HealthOne VISA Explorer Card In the Fall of 2015, HealthOne will offer the Visa Explorer Card with the embedded microchip. Your account information is encrypted for enhanced security when used in a chip card reader. For added security, use your Explorer Chip Card at any participating merchant.
COMPARE YOUR CREDIT CARD WITH HEALTHONE VISA DOES YOUR CREDIT CARD PROVIDER OFFER: No annual fee 1% cash back on purchases and balance transfers with the Rewards card No hidden fees No rate increase if your payment is late No overlimit fee Free convenience checks Free real-time Visa alerts 24/7 Online Access to your account through online banking No fee for balance transfers Online credit line increases Zero Liability on fraud* Warranty Manager Service* Emergency Cash and Card Replacement* Rental Car Insurance* Fraud Protection 24/7 Cash advances at the same rate as purchases Credit Life & Disability Insurance option Worldwide cash access: ATM & cash advances HEALTHONE YOUR CREDIT CARD COMPANY * Certain restrictions apply. Interest on a cash advance is charged immediately 17
Checking & Deposit Accounts SimplySmarter Checking At HealthOne, we're committed to making your Checking as simple and affordable as possible...
A POWERFUL AND CONVENIENT CHECKING ACCOUNT THAT S ALSO A GREAT VALUE! SimplySmarter TM Checking provides you with the access and convenience you expect in today s electronic world, together with a modest monthly fee that can be reduced or even waived if you meet certain criteria. Take a look at these great benefits: Unlimited check writing Debit card access with fraud protection for unauthorized transactions Secure online and mobile banking Mobile deposits Online and Mobile BillPay TM Real-time alerts and reminders FinanceWorks TM online money management tool Automated and manual transfers Global ATM access Surcharge-free access at Falcon, SUM, and CO-OP SM foreign ATMs Four free non-healthone ATM transactions per account per month Accountline automated telephone banking access SimplySmarter Checking features a simplified fee structure, including a reduced fee if you choose to receive your statements electronically instead of on paper. The monthly fee will be waived if you meet any of the following criteria: CHECKING & DEPOSIT ACCOUNTS An average monthly Checking account balance of $500 or more in the account A primary or joint account holder with deposit and/or loan balances totaling $25,000 or more Recurring Direct Deposits into the account, such as payroll or retirement benefits A primary account holder who is either under age 25, or age 65 and above For full checking account pricing information, please ask for the Pricing Schedule, or speak to any Member Service Representative. 19
Checking & Deposit Accounts COURTESY PAY NEFCU s Courtesy Pay helps you avoid returned checks, declined debit transactions, and other penalties associated with having items declined or returned on your checking account. By using this service, NEFCU may, at our discretion, cover checks, mobile or Internet bill payments and certain automated (ACH) transactions even if you do not have sufficient funds in your accounts. In addition, eligible members may Opt-In to receive Courtesy Pay to authorize one-time debit card transactions against non-sufficient funds. While there is an overdraft fee for each payment that NEFCU pays or authorizes against non-sufficient funds, and you are responsible for paying the balance, Courtesy Pay provides a safety net when your balance is unexpectedly short to pay the items you authorized. Courtesy Pay may save you other penalties and fees, enable you to make unplanned purchases, and prevent the awkwardness of having transactions declined or returned. You may also protect against overdrafts by linking your checking or debit card account to certain deposit and loan accounts. In this case, NEFCU will automatically transfer funds from the selected account to your checking account to cover the payment. Speak to a NEFCU Member Service Representative for additional details and related fees.
SHARE ACCOUNT (SAVINGS) No monthly service charge Unlimited transactions Dividends compounded monthly $5 minimum deposit to open account POWER ACCOUNT (MONEY MARKET) Dividends paid with balances of $1,000 or more Higher rates for accounts with balances over $10,000 and over $50,000 No monthly service charge Maximum of 6 checks and/or pre-authorized electronic withdrawals or transfers per month Checks must be written for a minimum amount of $100 Dividends compounded monthly TERM SHARE CERTIFICATES High yields compounded quarterly Flexible terms up to five years Future Saver Term Share Certificates allow deposits to your account Coverdell Education Savings Accounts CHECKING & DEPOSIT ACCOUNTS INDIVIDUAL RETIREMENT ACCOUNTS Traditional IRAs Roth IRAs SEPS DIRECT DEPOSIT A secure way to deposit your paycheck, pension, Social Security, and other regular income. MOBILE CHECK DEPOSIT With the NEFCU Mobile App, you can snap a photo of your check and securely make a deposit from your iphone, ipad, or handheld Android device. 21
Financial Education HealthOne is committed to improving your financial well-being. In addition to our low-cost mortgages, loans, and convenient everyday banking services, we also offer a wide range of free online financial education tools that can help you make wise decisions about your finances.... As a member of HealthOne, a division of New England Federal Credit Union, you get access to free online courses, and other education tools, including videos, podcasts, budgeting templates, interactive calculators, and more!
HOME & FAMILY FINANCE From financing a home to buying insurance to planning a vacation, families face important financial decisions everyday. HealthOne's online resources can help you make savvy choices and reach your family s goals faster. Topics include: Car Ownership Housing Small Business Insurance Leisure/Travel Education Money Management Credit Saving & Investing Taxes Consumer Protection FINANCIAL EDUCATION RETIREMENT PLANNING By taking action now to plan for your retirement, you can help prepare yourself and your family for the future. We are here to help with a range of free education resources devoted specifically to retirement. In addition to our wide range of online courses, we also offer the Plan It Retire Ready Toolkit, which can be downloaded free from our website. Learn how to better manage your money, plan for the future, and reach your financial goals. Access all of our courses and financial tools, as well as the Plan It Retire Ready Toolkit, by visiting healthonecu.com. 25 23
HealthOne Locations BRANCH OFFICES* > 600 Lafayette East, Detroit, MI > 200 Renaissance Center, 1st Floor, Suite 1201, Detroit, MI > 2060 E. Ninth Street, Cleveland, OH *For a list of shared branching, visit our website at healthonecu.com ATMS > 600 Lafayette East, Detroit, MI (located inside the BCBS Tower) > 200 Renaissance Center, 1st Floor, Suite 1201 Detroit, MI > 20500 Civic Center Drive, Southfield, MI (located inside the Blue Care Network Building) > 2060 E. Ninth Street, Cleveland, OH (located inside the Medical Mutual Building) Federally insured by NCUA NEFCU NMLS# 446767 1381_0615