FREE - IRCO Community Federal Credit Union

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SPRING 2012
ANNOUNCING OUR
NEW
VIP club
WIN AN
®
iPAD!
monthly prizes



Gift Cards
Movie Tickets
Gas Cards
OUR VIPs GET MORE!
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



FREE Checking*
FREE VISA Debit Card
FREE Online Banking & Bill Pay
¼% Discount on new personal loans
FREE eStatements
*Direct Deposit, 5 min. bill pay transactions per month & eStatements required
To launch our new VIP club, we’re giving away prizes**!
Every member 18+ is automatically awarded 1 entry. Add a new
VIP Service to your account or refer a new member
and you’ll earn valuable bonus entries.
The more services you add, the more entries you earn
and the greater your chances of winning!
**Offer ends October 31, 2012
DIVIDEND NEWS
The Board of Directors has
declared the dividend rate for
quarter ending 3/31/2012
to be .08% apy*
*Annual Percentage Yield
LOBBY HOURS:
Mon - Thu
9:00 am - 5:00 pm
Friday
9:00 am - 6:00 pm
Saturday
9:00 am - 12:00 pm
DRIVE-THRU HOURS:
Mon & Tue
Wed - Fri
Saturday
8:30 am - 5:00 pm
8:30 am - 6:00 pm
9:00 am - 12:00 pm
PHONES:
908.859.1811
800.538.1572
908.859.2118 fax
ROUTING NUMBER:
221278035
ATM LOCATIONS:
450 Hillcrest Blvd.
2250 Belvidere Rd.
Easton Hospital (3)
43,000 ALLPOINT ATMs
24/7 AUDIO RESPONSE:
800.438.1585
www.ircocu.com
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PRODUCTS & SERVICES
 Allpoint - 43,000 Surcharge-Free ATMs
 ATMs - 2250 Belvidere Rd. Harmony Twsp., NJ
- 450 Hillcrest Blvd. Phillipsburg, NJ
- 250 S. 21st St. Easton, PA Cafeteria & ER Lobby
- 1605 Center Valley Pky., Bethlehem, PA
 Audio Response System 24/7 - FREE
 Bill Pay Online – FREE
 Certified Credit Counseling - FREE
 Checking/Share Draft Accounts
Embarrassed about your money situation? Wouldn’t it be great to get
all the information you want - anonymously?
We’ve got just the thing! “Debt in Focus” lets you answer a few questions about your income and current debts - with no personal information for FREE! Get started right now - click the “Debt in Focus” box
on our home page. And if you want to actually talk to someone who can
help, call our Certified Credit Counselor, Tom Mosser at ext. 240 or contact him at tmosser@ircocu.com.
 Coin Machine - FREE
 Convenient Drive-thru Tellers
 Discount Movie Tickets
 Discount Theme Park & Ski Tickets
 Direct Deposit
 eStatements - FREE
 Educational Seminars - FREE
 Electronic Funds/ACH Transfers - FREE
 Family Membership - FREE
 Holiday Clubs
 IRAs - Traditional & Roth
 Loan Applications Online
 Money Orders
 Money Rocks! Club: 9 -16 yr. olds - FREE
 NET Generation Club: 17-23 yr. olds - FREE
SPRING IS IN THE AIR!
PUT YOUR HOME
TO WORK FOR YOU
Lending rates continue to be at an all
time low. And with the weather
breaking, it’s time to take advantage - spruce up the
house, take a vacation or consolidate bills. We have
GREAT Home Equity and 2nd Mortgage rates - and best
of all, NO fees and NO points! Get low, manageable
payments with loans to 20 years. Call Barb at ext. 201 or
logon to www.ircocu.com to find out how we can help.
 Night Depository
 Notary Service - FREE
 On-The-Go 50+ Club - FREE
 Payroll Deductions
FALCON ALERT
SECURITY INFO
 Phone Withdrawals & Transfers
 PIGGY BANK Club: 0 - 8 yr. olds - FREE
 Safe Deposit Boxes
 Saturday Hours
 Scholarship Program - High School Seniors
 Share Certificates
 Signature Guarantee Service - FREE
 SPRINT - 10% Discount - FREE
 US Savings Bond Redemptions
 Vacation Clubs
 VIRTUAL BRANCH Online Banking – FREE
 VISA Debit & Credit Cards
 VISA Gift Cards
To help protect you against credit card fraud, we utilize what’s called a
“neural network FALCON alert.” With this technology, when a transaction on your card appears to fall outside of your usual spending pattern,
an alert is created. A fraud analyst or automated voice system will then
contact you using the phone number information provided with your
application to verify whether you authorized this transaction because it
doesn’t follow your historical credit card spending behavior.
If we can’t contact you, a decision may be made on your behalf to block
future transactions until you can be reached for confirmation. That’s
why it’s so important that you provide us your current phone numbers. FALCON is available 24 hours a day, seven days a week at 1-800437-9392 for transaction verification. This is part of our continuing
effort to provide you with the best protection available when using
your IRCO VISA credit card.
We hope you enjoy the peace of mind that comes with knowing your
card carries the latest state-of-the-art security features.
DEBIT CARDS:
USE CAUTION WITH SOME TRANSACTIONS
Your debit card looks like a credit card and feels like a credit card,
so it must work exactly like a credit card, right? The truth is that your
debit card and credit card differ in a big way when it comes to fraud. If a
thief obtains your credit card or credit card number, you'll most likely notice the unauthorized charges on your bill. You then can report and decline those charges.
However, if a thief obtains your debit card or debit card number,
transactions pull funds straight from your checking account. In the case of
a fraudulent transaction, you'll need to receive reimbursement for the
stolen funds. And depending on the extent of the damage, the time needed to process your reimbursement could leave you in a financial bind.
To avoid debit-card drama, be careful when swiping your debit
card for some transactions. Financial experts at Bankrate.com recommend using extra caution at these locations:
 Gas station pumps. Like outdoor ATMs, gas station card readers also
provide ideal opportunities for skimming. Pumps that aren't monitored
closely make it easy for thieves to attach skimming devices or small cameras to a card reader without detection. Before you swipe, examine card
readers for anything that looks suspicious.
 Outdoor ATMs. Thieves often have an easier time affixing skimming
devices, which steal your card's information, to isolated, easily accessible
outdoor machines. Skimming devices are usually hidden over an ATM's
card slot, and can be difficult to spot. If possible, use an ATM inside a financial institution or retail store. If you must use an outdoor ATM, aim for
one in a busy, well-lit area, and check the card reader for any components
that don't look quite right.
 On the Web. Making online purchases with a debit card is risky--your
information can be compromised at multiple points in a transaction. Data
breaches, unsecured wireless Internet connections, or malicious software
on your own computer all could put your data at risk. Opt for your credit
card when shopping online--and even then, only buy items from businesses you trust.
 Restaurants. Handing your debit card over to a restaurant server at
the end of a meal also can be risky. A server who disappears to run your
card could be privately nabbing your card information, as well. You simply
don't know--so it's better to turn to your credit card or cash in this instance. (CUNA News Now - 2/7/12)
GO GREENER!
Sign up for
FREE
eStatements
SAVE A TREE
TODAY!
HIGH SCHOOL
SENIORS
2012 SCHOLARSHIP
APPLICATIONS
- AVAILABLE ON OUR WEBSITE Deadline May 1, 2012
CREDIT UNION
YOUTH WEEK
APRIL 9TH - 14TH
PARENTS!
BRING THE KIDS IN FOR
PRIZES & GIVEAWAYS!!!
OFFICIAL FAMILY NEWS
CONGRATULATIONS!
to our employees who recently celebrated milestone anniversaries:
Greg Collins
Nancy Brown
Pat Huff
20 years
25 years
25 years
Kathie Carita
Sue Schmeltzly
Barb Farmer
25 years
25 years
35 years
We’re also very happy to welcome back our old friend, Heidi (Vargo) Kerstetter,
who has once again joined our Loan Dept.
OUR STAFF - CARING & COMMUNITY MINDED!
WINNERS CORNER
“GO RED FOR WOMEN”
IRCO employees paid to dress down in RED every Friday
in February to support the American Heart Association’s
Healthy Heart Month. Staff members donated a
whopping $365 to help fight heart disease and save lives!
We love to visit our Employer Groups!
Congratulations to our recent
drawing winners!
- WARREN HOSPITAL Lori Fleck
 Learn why walking 10 minutes - 3x a day has life-long
- CURTISS / WRIGHT -
benefits for your heart at www.startwalkingnow.org
 Learn about the signs and symptoms of a heart attack and
what to do at www.heart.org
Jeremy Rice
Ask your HR Dept. to request
we visit your employer!
HOLIDAY
DRAWING WINNER
“CHANGE” A CHILD’S LIFE
We’re participating in a coin drive
through April to benefit the
Children’s Miracle Network. Please
help by tossing your spare change in
one of the coin canisters located in
our lobby.
$100
Travis Ebel, 13
Gift Card
WELLNESS DAY AT IRCO
FRIDAY, APRIL 27TH
10 am - 2 pm
SPONSORED BY
&
FREE
Cholesterol Testing
 Blood Pressure Check
 Glucose Screening
 Healthy Snacks
- Wellness Basket Drawing 
Community Blood Drive
Open to anyone in the community who would
like to donate. Contact Sue at x261 to
make an appointment.