Our Rates Will Get You There for Less

October 2011
Our Rates Will Get You There for Less
•
Rates as low as 1.99% APR*
• Flexible terms up to 84
months†
• Preapproval within 3 hours
• Loan rate discount for GEICO
auto insurance or automatic
payroll payment***
• Online application via online banking access††
The 1.99% rate isn’t the only thing that makes this the ideal time
to go car shopping. Dealerships are offering year-end deals
galore — on all new models and older ones too. You’ll pay less
for a vehicle if you buy one now.
Prepare for the upcoming Holiday
Shopping season with a Holiday Club
Account. Open your account today!
• Earn a competitive interest rate.
• Use payroll deduction for
automatic deposits. (Ask us
for details.)
• Automatic transfer to your
savings account during the first
week of November annually.
• Your account will automatically renew every year.
• Funds federally insured up to $250,000.*
• No transaction fees.
Now is the time to purchase a new or used vehicle or refinance**
your existing auto/RV loan from another lender!
Start saving now! Come by your nearest branch, call 800-5427896 or go to www.geicofcu.org.
Remember, we’re more than just the most convenient place to
get your loan — we’re also the most economical place to get it.
*By the National Credit Union Administration. Deposit accounts are insured up to
at least $250,000.
Apply today and take advantage of this great rate! Limited time
offer. Stop by your nearest branch, call 800-542-7896 or visit us
a www.geicofcu.org
*Annual Percentage Rate; subject to change without notice. Rate effective as of
9/1/11. Your actual rate may be higher, based on your past, and present credit
history. Rate quoted includes the .25% discount for automatic payroll payment
on new auto and certain used 2011 models with up to 12,000 miles. Used auto
rates apply to 2002 through 2012 models. For a 1.99% APR auto loan with a term
of 60 months, the monthly payment is $17.52 per $1,000 borrowed. Certain
restrictions apply. Loans subject to approval. **Existing GFCU auto/RV loans are
not eligible for refinancing. ***One discount per loan. You must be a member to
apply for this loan product. Visit us at www.geicofcu.org for more information on
member eligibility requirements. †84 months term available on New auto/RV
loans of $30K or more. ††Online banking access required.
You’ve Asked! We’ve Answered! Create a PIN of your own
choosing for your ATM card or Visa® Debit Card at any GEICO FCU
ATM.* All you need is your CURRENT PIN.
For more information, stop by your nearest
branch, call 800-542-7896 or visit us online at
www.geicofcu.org.
*Not available for Credit Cards or Home Equity Line of Credit
Cards. Must be a GEICO FCU member to use this service. For
information on membership eligibility, visit www.geicofcu.org.
Don’t let a good one get away.
Get hooked on one of our three
great credit cards!
Get ready for the upcoming Holiday Shopping season. Get a
GEICO FCU MasterCard. We give you
three to choose from — all with very
competitive rates:
• MasterCard Gold — 10.99% APR*
• MasterCard Classic — 11.99% APR
• MasterCard Secured — 13.99% APR
With low rates like these and no annual fees, transaction fees or
cash advance fees, this is one offer you can’t let get away. Reel it
in today! Apply today! Stop by your nearest branch, call 800542-7896 or visit us online at www.geicofcu.org.
*APR = annual percentage rate.
Look for Allpoint ATMs at:
‘Smishing’ scams
target your
personal information
Friends, family members and businesses send text messages
every day. So do thieves. The crooks want your personal
information and will do anything to get it, even if it means
impersonating your own federal credit union. At a time when
legitimate e-commerce is increasing across multiple delivery
platforms, consumers need to be even more vigilant about text
messages, e-alerts and emails they receive that might appear to
be from reputable businesses but are just being used to try to
steal your identity and pick your pocket.
Smishing is like phishing, only using text messages. Phishing is
any attempt to acquire sensitive information such as usernames,
passwords, Social Security numbers and credit card details by
masquerading as a trustworthy entity in electronic communication.
The same scam by voice communication over a telephone is called
vishing. There are legitimate financial institutions that do send out
mobile alerts to their customers, but they are not going to use
those alerts to ask you for personal information.
If you get a suspicious text message or email asking about your
personal accounts, contact your financial institution and report
the message to the Federal Trade Commission, which also offers
a comprehensive guide to identity theft. More information is
available through the federal government website OnGuard
Online and the nonprofit Identity Theft Resource Center.
GEICO Federal Credit Union customers who have a concern
about their account should call GFCU at 1-800-542-7896.
2
• 7-Eleven
• Safeway
• Target
• Costco
• CVS
• Other locations too
numerous to list!
Finding the Nearest One
To find a surcharge-free ATM near you, use the Allpoint
ATM locator on the left-hand side of our homepage
(www.geicofcu.org). Just enter your zip code and click
on the “Go” button and a list of every ATM in that zip
code will appear, along with a map showing their
locations. Or scan here with your smartphone to
download a FREE Allpoint app.
*Some Allpoint ATMs may still display a surcharge screen during your Allpoint
ATM transaction. If that happens, simply enter “Yes” to accept the surcharge and
proceed with your withdrawal. YOU WILL NOT BE CHARGED THE SURCHARGE.
Certain restrictions apply.
MEMBER CORNER
LOAN SERVICE TESTIMONIALS
Amazing service and according to peers who are
refinancing, incredible speed. — BT, San Diego Branch
It was very helpful to have knowledgable
representatives offer the class/seminar for the various
services that members have available to them, by
Mark Conlon & Amber Sparks. — TJ, Fredericksburg Branch
I am happy that I am a member here because
whenever I need anything you all always come
through for me and I am very grateful for that.
— CL, Macon Branch
Brian was prompt and very helpful. I was nervous
because this is my first car loan/refinance and he
made the process simple & seamless, at the same
time very thorough. — JR, San Diego Branch
this poster will be resized to fit
www.geicofcu.org
*Personal information is your name,
address and social security number.
**Unless authorized by you or as
required by law.
There May Never Be a Better Time
to Buy or Refinance a Home
Want to take advantage of some of the lowest mortgage interest
rates on record? Whether you want to buy a home or refinance,
turn to us for:
• Low application fees
• Loans with no points
• Knowledgeable loan experts
• Easy and hassle-free application
and loan closing process
Get the best mortgage for your
budget. We’ll show you all the options and help you decide
which loan is right for you. Terms of up to 30 years are available
for a variety of fixed- or adjustable-rate loans, including interestonly loans and jumbo loans for more expensive homes.
Apply for your First Mortgage or Refinance your existing First
Mortgage today! Stop by your nearest GEICO FCU branch, call
800-542-7896 or visit us online at www.geicofcu.org.
Congratulations
TO OUR CHILDREN’S
HOSPITAL FUND-RAISER
WINNER!
Andrea Motica,
Grand Prize Winner of
the Brinkman Pro Series
4-Burner Gas Grill.
Thanks to all those who
supported this very
special Fund-Raiser.
HOLIDAY CLOSINGS
Thanksgiving Day—Thursday, November 24
Christmas Day—Monday, December 26
New Year’s Day—Monday, January 2, 2012
3
LOAN RATES
SELECTED SAVINGS RATES
As of September 1, 2011
As of September 1, 2011
Loan Type
Annual
Dividend Percentage
Rate
Yield
Annual Percentage Rate
MasterCard Gold ($20,000 max.)
10.99%
MasterCard Classic ($5,000 max.)
11.88%
MasterCard Classic Secured ($500 min.)
13.99%
Overdraft LOC ($2,500 max.)
12.75%*
Personal/Consolidation Loan
($15,000 max.)
12.75%*
Computer Loan ($3,000 max.)
12.75%*
Share Secured (Terms up to 144 months)
Share savings rate
+3.00%
CD Secured (Terms up to CD maturity)
Earned CD rate
+3.00%
*
New Automobiles & RVs
as low as 1.99%
(Up to 100% financing;
MSRP includes tax and license)
Terms to 84 months
Other rates and terms available
Used Automobiles & RVs
as low as 1.99%*
(2002 through 2012 models. Certain
2011 models may qualify for the new auto
loan rates. Subject to approval.)
Terms to 72 months
Other rates and terms available
Auto Equity
as low as 2.49%*
See a loan officer for details on terms and rates.
Home Equity Line of Credit
as low as 4.50%
($250,000 max.)
(Current rate is based on the Prime Rate.
See loan officer for details on rates/terms.)
Savings Account
Share Savings
Share Drafts
IRA Share
0.20%
0.00%
0.20%
0.20%
0.00%
0.20%
Money Market Advantage Account
$2,500 - $24,999.99
0.40%
$25,000 - $74,999.99
0.50%
$75,000 and up
0.60%
0.40%
0.50%
0.60%
Share Certificate
Six Months
First Step Twelve Month
Twelve Months
Fourteen Months
Eighteen Months
Two Years
Three Years
Four Years
Five Years
0.40%
0.80%
0.30%
0.99%
1.09%
1.19%
1.29%
1.79%
1.98%
2.47%
0.40%
0.80%
0.30%
1.00%
1.10%
1.20%
1.30%
1.81%
2.00%
2.50%
IRA Share Certificate
Six Months
Twelve Months
Fourteen Months
Eighteen Months
Two Years
Three Years
Four Years
Five Years
0.80%
0.99%
1.09%
1.19%
1.29%
1.79%
1.98%
2.47%
0.80%
1.00%
1.10%
1.20%
1.30%
1.81%
2.00%
2.50%
Minimum Opening Balance $500
Minimum Opening Balance $1,000
as low as 6.65%
Second Mortgages
Terms up to 120 months
GEICO FCU credit card holders with questions about their account may call
800-542-7896 or visit www.eZCardInfo.com. This is for balances, payment
information, lost/stolen cards and last few transactions.
Note: Rates subject to change without notice. Contact your Credit Union representative
for further loan information.
* With a discount for automatic payroll repayment or a GEICO auto policyholder.
Auto loan terms and rates depend on the total purchase price, the year and mileage of
the vehicle. Rate is based on evaluation of your past and present credit history.
Rates are determined at the discretion of the Board of Directors and are subject to
change without notice.
Congratulations
TO OUR SECOND QUARTER ONLINE
BILL PAY CONTEST WINNER!
Latoya H. Brunson,
Macon Branch
$100 Home Depot Gift Card
Board Of Directors
Joe Imler, Chairman
Art Heine, Vice Chairman
Armando Valdes, Treasurer
Scott Reece, Secretary
Dave Anderson
Scherrie Fleming
Susan Hamburg
Geri Lanier
Kathy Roland
Credit Union Staff
President/CEO: Linda Coffie
VP of Finance: Sherrie Cox
AVP of Risk Management:
Marcy Berman
AVP of Lending: Arlene Christie
AVP of Operations: Rajiv Desai
4
E
Printed on recycled paper with soy ink
designed by visions, ink. 311670 9/11
Keeping Track as of 7/31/2011
Assets. . . . . . . . . . . . . . . . . . $110,767,263
Shares . . . . . . . . . . . . . . . . . $101,210,972
Loans . . . . . . . . . . . . . . . . . . . $73,228,491
Membership . . . . . . . . . . . . . . . . . . 15,979
Website & Online Banking:
www.geicofcu.org
Loan-By-Phone &
Quick Teller (Audio Response)
800-542-7896
Locations
Mailing Address
One Geico Plaza
Washington, DC 20076
Main Office
GEICO Federal Credit Union
5260 Western Avenue
Chevy Chase, MD 20815
Toll-Free: 800-542-7896
Fax: 301-718-5318
Visa® Debit Card Information: 800-542-7896
(Choose Option 2 & Option 5)
E-mail: members@geicofcu.org
Loan Department: 800-542-7896
Loan Department Fax: 301-986-3757
E-mail: loans@geicofcu.org
Branch Hours: 8:30 am – 3:00 pm, M-F
Loan Service Hours: 8:30 am – 4:30 pm, M-F
Credit Union Branches
Toll-Free Number: 800-542-7896
Buffalo, NY
300 Crosspoint Parkway, Getzville, NY 14068
Fax: 716-276-4671
Branch Hours: 10:00 am – 5:30 pm, M-F
(closed from 2:00 – 3:00 pm)
Dallas, TX
4201 Spring Valley Road, Suite 102
Dallas, TX 75244
Fax: 972-701-1859
Branch Hours: 9:00 am – 4:30 pm, M-F
(closed from 1:30 – 2:30 pm)
Fredericksburg, VA
One Geico Blvd., Fredericksburg, VA 22412
Fax: 540-286-4498
Branch Hours: 8:00 am – 3:30 pm, M-F
(closed from 1:15 – 2:15 pm)
Lakeland, FL
3535 W. Pipkin Road, Lakeland, FL 33811
Fax: 863-619-4859
Branch Hours: 8:30 am – 4:00 pm, M-F
(closed from 12 noon – 1:00 pm)
Macon I, GA
4295 Ocmulgee East Blvd., Macon, GA 31295
Fax: 478-744-5824
Branch Hours: 9:30 am – 1:30 pm, M-F
Macon II, GA
4400 Ocmulgee East Blvd., Macon, GA 31295
Fax: 478-621-1957
Branch Hours: 9:30 am – 5:00 pm, M-F
(closed from 2:00 – 3:00 pm)
San Diego, CA
14111 Danielson Street, Poway, CA 92064
Fax: 858-513-5124
Branch Hours: 9:15 am – 4:45 pm, M-F
(closed from 1:30 – 2:30 pm)
Tucson, AZ - ATM only
(Accepts cash and check deposits)
Virginia Beach, VA
One Geico Landing, Virginia Beach, VA 23454
Fax: 757-222-6320
Branch Hours: 8:30 am – 4:00 pm, M-F
(closed from 1:00 – 2:00 pm)
Woodbury, NY
750 Woodbury Road, Woodbury, NY 11797
Fax: 516-496-5154
Branch Hours: 8:30 am – 4:00 pm, M-F
(closed from 11:00 am – 12 noon)