Membership Benefits Brochure - New England Federal Credit Union

MEMBERSHIP
Benefits
PRODUCTS & SERVICES
Accessing Your Accounts
4-7
Mortgages8-11
Home Equity Loans 12-13
Auto & Consumer Loans 14-15
Personal Loans 16-17
VISA�18-19
Checking & Deposit Accounts 20-23
Financial Counseling 24-25
Financial Education 26-27
Investment & Insurance 28-29
Our Loan Courier Service can bring your check to your
home or office, to help make the loan process easier.
Just call the Loan Phone Team at 866-80-LOANS.
MEMBERSHIP
Benefits
We keep the price of our mortgage and loan
products low, providing you with better value. Our
checking account is simple and easy to use, helping
you avoid unexpected fees. We offer free financial
reviews, ensuring that you get the best possible
terms on your
mortgage,
loans, and
credit cards.
You’ll receive
friendly,
personalized service every time you visit, call or log
in. We’ll help you learn more about your financial
options through educational seminars. Simply
stated, we are committed to you – and helping you
improve your financial well-being.
AT NEFCU,
We’re On Your Side.
ELIGIBILITY
All persons living, working, or attending school
in Chittenden, Grand Isle, Franklin, Lamoille,
Washington, or Addison counties are eligible to join
New England Federal Credit Union.
NEWS@NEFCU
News@NEFCU is our quick email roundup of great
opportunities available through the Credit Union.
Be the first to know about many topics of interest:
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Community service events like Shred Fest™ and
Blankets of Hope™
Local events from sponsored sporting games to
music concerts to races
NEFCU’s Distinguished Writers’ Series featuring
prominent Vermont authors, poets and editors
Special product offers and new product/service
announcements
Discounted tickets to area attractions
You’re busy, so we make it easy. Sign up for
News@NEFCU at nefcu.com.
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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.
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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:
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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.
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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.
NEFCU ATMS
NEFCU ATMs offer 24/7 access to your accounts.
Located throughout the region, NEFCU 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 ATM NETWORK AND
SUM� ATM PROGRAM
NEFCU members can use their NEFCU CheckMate™
Debit Card to make surcharge-free withdrawals from
the Falcon ATM Network and SUM® Program.
CHECKMATE DEBIT CARD
NEFCU’s CheckMate™ Debit Card features free
unlimited access to your accounts at all NEFCU
ATMs. You can also use it to make purchases
anywhere Visa® is accepted.
My Picture Card – Personalize your debit card by
choosing a picture from our image library
or uploading one of your own personal photos.
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
nefcu.com
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Mortgages
Our goal is simply to find
the best mortgage for
you, whether you’re
purchasing your first
home, an investment
property or a vacation
retreat.
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 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 NEFCU after
closing.
ADJUSTABLE RATE MORTGAGES
MORTGAGES
FIXED 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.
NEFCU ARMs are available from 1-year to 30-year
terms. Servicing of loan will stay with NEFCU after
closing.
VHFA PROGRAM
The Vermont Housing Finance Agency (VHFA)
offers a range of attractive, low-interest
loans if you meet income and purchase price
requirements. Generally, you must be a first-time
homebuyer or have not owned a home for the
past three years if purchasing in Chittenden,
Grand Isle, Addison, Bennington or Windsor
Counties. You do not need to be a first-time
homebuyer if purchasing in any other Vermont
counties. Servicing of loan is transferred to US
Bank after closing.
NEFCU'S 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 NEFCU 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 NEFCU
after closing.
CHAMPLAIN HOUSING TRUST (CHT)
A 30-year fixed rate loan where CHT offers down
payment grants to qualified buyers in exchange
for shared equity in the property. Servicing of the
loan will stay with NEFCU after closing.
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9
Mortgages
MYCHOICE MORTGAGE
With NEFCU’s MyChoice Mortgage™, we don’t choose the
terms of your loan – you do! Just pick the interest rate or
the loan term that best suits your needs and get a mortgage
that is truly tailored to your individual goals. Here’s how it
works:
• Choose your fixed rate or
• Choose your term – from 1 to 10 years
NEFCU’s MyChoice Mortgage is designed to be quick and
easy. No appraisal is needed (in most cases) and closing
costs are generally limited to $150. As a result, it is a great
way to:
• Pay off your mortgage on your own schedule
• Save money by reducing your interest rate
• Tailor your mortgage to your financial goals
• Reduce your overall debt
SECOND HOME MORTGAGES
We offer fixed rate and adjustable rate mortgages for
second homes with 15% down payment or seasonal
second homes with 20% down payment.
INVESTMENT PROPERTY MORTGAGES
NEFCU offers fixed rate and adjustable rate mortgages
for 1-4 unit rental homes with a range of down
payment options.
MANUFACTURED HOMES LOANS*
Fixed and adjustable rate loans are available for double
wide manufactured homes on owned land. Adjustable rate
loans are available for single wide manufactured homes on
owned land.
LAND LOANS*
Adjustable rates with 20-year amortization and a 10-year
balloon payment are available with a minimum of 20%
down if intending to build within 2 years or 35% down if
utilizing land for recreational purposes only.
CONSTRUCTION LOANS*
Fixed rate with 6-12 month term. Permanent financing
available when construction is complete. Minimum 20%
down payment.
*These programs are available for Vermont properties only.
At NEFCU, applying for a mortgage is
easy. You can apply anytime at nefcu.
com or make an appointment with
one of our Mortgage Loan Officers
who can walk you through the
application steps.
MORTGAGES
APPLYING FOR A
MORTGAGE LOAN
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
866-80-LOANS or visit nefcu.com
to apply online.
HOME INSURANCE
NEFCU members get discounted group
rates at both MetLife® Auto & Home
and Travelers. Call NEFCU’s local
agents to see if you can save!
MetLife Auto & Home�
1-877-491-5089
Travelers
800-842-5936
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Home Equity
Loans
A Home Equity Loan
from NEFCU lets you
put your home’s equity
to work for you.
By borrowing against your
equity, you can gain financing
for home improvement projects,
education expenses, paying off
other debts or simply providing a
safety net for unexpected
expenses.
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Fast approvals
Borrow up to 85%* of your home’s value
Line of Credit or Closed End Loans
Interest-only options available on
Line of Credit
• No minimum draw on Line of Credit
• Interest is often tax deductible
(consult your tax advisor)
• No closing costs**
*Restrictions apply. Ask for details.
**There are no closing costs if NEFCU can use your
current municipal tax assessment and town lister’s
card for valuation purposes. If an appraisal and/or
property inspection is required, the cost to you can
range up to $675. Proof of Homeowners Insurance
is required. Additional costs could be incurred if your
Home Equity is in first lien position, if you have a
privately held mortgage, or are currently enrolled in
the Current Use Program
HOME EQUITY LOANS
BENEFITS:
HOME EQUITY PLUS
NEFCU’s Home Equity Plus is a fixed rate loan
that provides a single lump payment that you
repay in monthly installments. Home Equity
Plus is a good option if you need funds for a
one-time expense with the security of a fixed
interest rate. Loan terms are available up to 15
years.
HOME EQUITY LINE OF CREDIT
NEFCU’s Home Equity Line of Credit provides
ongoing access to available funds, based on
a predetermined borrowing limit. A Home
Equity Line of Credit gives you the flexibility
to borrow funds when you need them, along
with the option to make principal or interestonly payments. Accessing your funds is easy:
by check, NEFCUOnline, Accountline or any
NEFCU Branch.
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Auto &
Consumer
Loans
Whether you’re buying
a new or used car,
motorcycle, RV, boat, ATV
or snowmobile, NEFCU
will get you moving
quickly and affordably.
We offer great rates and simple
loan products designed to help
you save money and time.
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• 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
We’ll even deliver your loan paperwork to you
– at home, at work or at the dealership!
To apply, just call the Loan Phone Team at
866-80-LOANS, visit nefcu.com or stop in a
branch today.
AUTO & CONSUMER LOANS
BENEFITS OF NEFCU AUTO AND
CONSUMER LOANS INCLUDE:
AUTO CHECK
NEFCU’s Auto Check is a pre-approved loan
that you carry with you in the form of a blank
check that’s good for 90 days. Recognized
at dealerships throughout Vermont, New
Hampshire, New York or Massachusetts. Auto
Check lets you shop in confidence since you’re
essentially a “cash buyer”, which puts you in a
stronger position to negotiate the best possible
price. With an Auto Check, you’re also assured
of getting our best available rate. When your
Auto Check is approved, you can lock in your
rate, so even if rates go up, you’re protected.
And if rates go down before you buy? We’ll
give you the lower rate, so you’re covered
either way.
GET FINANCING AT NEFCU OR AT
THE DEALERSHIP
If you would rather make your purchase and
get financing all in one stop, you can ask for
NEFCU financing at the auto dealers.
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Personal
Loans
From weddings to college
tuition to unexpected
auto repairs, NEFCU's
Personal Loans help
you fund the things that
keep your life running
smoothly.
NEFCU’s low-cost personal
loans offer great rates and
flexible terms designed to
meet your individual needs.
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Whatever milestone is next for you or your
family, NEFCU’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:
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Weddings
Dental procedures
Adoption or fertility treatment
Elective surgery
(Lasik eye and Cosmetic surgery)
• Educational/Recreation camps for children
• Veterinary expenses
PERSONAL LOANS
LIFESTYLE 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 NEFCU 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!
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VISA
®
NEFCU 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!
NEFCU VISA Explorer Card
NEFCU now offers a card for overseas
travelers. 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.
DOES YOUR CREDIT
CARD PROVIDER OFFER:
Smartchip technology
No annual fee
NEFCU
√
No hidden fees
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No rate increase if your
payment is late
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No overlimit fee
No-cost convenience
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No fee for real-time Visa
alerts
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4/7 Online Access to
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your account through
online banking
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Zero Liability on fraud*
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Warranty Manager
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Emergency Cash and Card
Replacement*
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Online credit line increases
24/7 Fraud Protection
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Cash advances at the
same rate as purchases
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Local servicing
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Credit Life & Disability
Insurance option
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Worldwide cash access:
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Rental Car Insurance*
YOUR
CREDIT
CARD
COMPANY
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1% cash back on all
purchases and balance
transfers with the Platinum
Rewards card
No fee for balance
VISA
COMPARE YOUR CREDIT
CARD WITH NEFCU
* Certain restrictions apply.
Interest on a cash advance is charged immediately
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Checking &
Deposit
Accounts
SimplySmarter™ Checking
At NEFCU, we're committed
to making your Checking
as simple and affordable as
possible
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SimplySmarterTM 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 BillPayTM
• Real-time alerts and reminders
• FinanceWorksTM online money
management tool
• Automated and manual transfers
• Global ATM access
• Unlimited access to NEFCU ATMs
• Surcharge-free access at Falcon and SUM�
foreign ATMs
• Four free non-NEFCU 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
A POWERFUL AND CONVENIENT
CHECKING ACCOUNT –
THAT’S ALSO A GREAT VALUE!
• 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.
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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.
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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 withdrawls or transfers per month
• Checks must be written for a
minimum amount of $100
• Dividends compounded monthly
TERM SHARE CERTIFICATES
• High yields compounded quarterly
• F lexible terms up to five years
• Future Saver Term Share Certificates
allow deposits to your account
• Coverdell Education
Savings Accounts
CHECKING & DEPOSIT ACCOUNTS
SHARE ACCOUNT (SAVINGS)
INDIVIDUAL RETIREMENT
ACCOUNTS
• Traditional IRAs
• R
oth 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.
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Financial
Counseling
Going through a financial
transition? Our NEFCU
Certified Financial
Counselor is here to help.
The New England Federal Credit
Union Certified Financial
Counselor can offer guidance,
advice and solutions to members
when they experience
unexpected financial changes in
their lives.
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Budgeting
Managing and Growing Your Savings
Achieving Your Financial Goals
Improving Your Credit Score
Loan Repayment Challenges
UNDERSTANDING YOUR
CREDIT SCORE!
Follow these simple guidelines to make your
credit score as good as it can be:
What will hurt your credit?
• Missing payments
• Maxing out credit cards
• Closing out credit cards
(lowers your borrowing capacity)
• Shopping for credit excessively
• Opening up numerous accounts in a short
time period
• Having more revolving loans (credit cards
and lines of credit) than installment loans
(mortgage and auto loans)
• Borrowing from finance companies
• Having a limited credit history
FINANCIAL COUNSELING
LET US HELP YOU WITH:
What doesn’t affect the score?
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Debt ratio
Income
Length of residence
Length of employment
Improve your credit score by:
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Keeping your credit card balances low
Making payments on time
Limiting the opening of new accounts
Maintaining a solid credit history with older
existing accounts
• Moving revolving debt to installment debt
Your score may determine…
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Whether or not you get a loan
The interest rate you pay on a loan
The rate you pay for all types of insurance
Whether or not you get the job for which
you apply
• Whether you get the apartment you want
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Financial
Education
NEFCU is committed to
improving our members
economic well being
through fair products,
sound advice, and
guidance. Our free
financial education is a
hallmark of this mission.
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Both onsite and online, NEFCU
courses, seminars and
education tools (videos,
podcasts, budgeting tools,
blueprints and interactive
calculators) help you learn how
to manage your money, plan
for the future and reach your
financial goals.
To sign up for seminar
notifications via email visit
nefcu.com/seminars.
From financing a home to buying insurance
to planning a vacation, families face
important financial decisions everyday.
NEFCU’s online resources can help you make
savvy choices and reach your family’s goals
faster. Topics include:
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Car Ownership
Retirement
Housing
Small Business
Insurance
Leisure/Travel
Education
Money Management
Credit
Saving & Investing
Taxes
Consumer Protection
FINANCIAL EDUCATION
HOME & FAMILY FINANCE
YOUNG ADULTS
NEFCU’s RightTrack™ financial seminars
provide a smart financial start for young
adults age 16 and older. Delivered online,
the series offers a great introduction to
fundamentals such as budgeting income and
expenses, managing debt, and achieving
financial goals, as well as the basics of
checking accounts, debit and credit cards and
other financial tools.
RETIREMENT PLANNING
When it comes to planning for your
retirement, NEFCU is your financial advocate
with a range of educational resources. From
courses and seminars, to our Plan It™ Retire
Ready Toolkit, NEFCU is ready to help you
plan, save and prepare for a financially secure
retirement.
To learn more about NEFCU’s free financial
education programs, visit us online at
nefcu.com and click on Plan & Learn.
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Investment
& Insurance
The professionals at NEFCU
Financial Group, available
through CUSO Financial Services
(CFS*), L.P., have a single focus:
helping you achieve your
financial goals.
Together, NEFCU and CFS create a
powerful partnership, sharing
core values of advocacy,
transparency and fairness – as
well as a commitment to
providing exceptional service and
value to members like you.
Simplify
your
retirement
planning
Save
Plan
Thrive
INVESTMENT & INSURANCE
color with tagl
I N S U R E.
I N V E S T.
R E T I R E.
Available through CUSO Financial Services, L.P.
Whether you’re planning for retirement, saving
for college or seeking a better return on savings,
our CFS* Financial Consultants will help you
secure your financial future with a comprehensive
approach based on a concept we call your
P.L.A.N.:
•
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Pay yourself first
Available
through CUSO Financial Services, L.P.
Live within your
means
Assure your family’s stability
Never stop learning
Are you saving enough for retirement? Have
you planned to make your money last through
retirement? Is your savings growing fast enough?
Has your insurance kept up with the changes in
your life? Have you thought about Life Insurance
and Long Term Care Insurance to protect
your loved ones? It takes just a few minutes to
uncover if you and those you love have enough
protection. Our CFS* Financial Consultants can
help with your needs.
I N S U R E.
I N V E S T.
color without t
“Available thro
black with tag
R E T I R E.
Why Choose NEFCUAvailable
Financial
Group?
through CUSO Financial Services, L.P.
• W
e are exclusively focused on the needs
of NEFCU members.
• We have a wide selection of non-proprietary
products and services available through CFS
that can be used to help you meet your goals
and objectives within your comfort zone.
• Our solutions are designed entirely around
your goals and needs.
• Our CFS* Financial Consultants have
Available available
through CUSO to
Financial
Services,
L.P.
advanced resources
meet
unique
or complex needs.
• We offer members tools to access your
account information and technology
solutions and security controls to ensure your
information is always well protected.
black without
“Available thro
Contact a Financial Consultant today at
800-400-8790 ext. 8580 for a no-cost,
no-obligation consultation.
*Non-deposit investment products and services are offered through
CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer
(Member FINRA/SIPC) and SEC Registered Investment Advisor.
Products offered through CFS: are not NCUA/NCUSIF or otherwise
federally insured, are not guarantees or obligations of the credit
union, and may involve investment risk including possible loss of
principal. Investment Representatives are registered through CFS. New
England Federal Credit Union has contracted with CFS to make nondeposit investment products and services available to credit union
members.
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We’re here to
serve you
better.
­­­..............................................................................
Our convenient hours make it easier for
you to do your everyday banking, or to get
an auto loan, mortgage or personal loan,
without interrupting your busy day.
Our Williston branch on Harvest Lane is
open from 8 am to 6 pm Monday-Friday,
Saturday from 9 am to 1 pm. You can also
do basic teller transactions with our drive-up
teller from 7:30 am to 6 pm Monday-Friday,
Saturday from 9 am to 1 pm and Sunday
from 11 am until 3 pm.
NEFCU Locations
New England Federal Credit Union
PO Box 527
Williston, VT 05495-0527
BRANCH OFFICES
> 141 Harvest Lane, Williston, VT
> 74 Pearl Street, Essex Junction, VT
> IBM Building 969 (onsite Branch Office)
> IBM Building 861 (onsite Service Center)
> University of Vermont Medical Center,
Main Campus, McClure 2 Connector,
Burlington, VT
> 1000 Shelburne Road, So. Burlington, VT
Federally
insured
by NCUA
>2
95 Tuckers Way, St. Albans, VT
ATMS
> 74 Pearl Street, Essex Junction, VT
> 100 Bank Street, Burlington, VT
> 141 Harvest Lane, Williston, VT
> 150 Water Tower Circle, Colchester, VT
NEFCU
NMLS#
446767
> University of Vermont Medical Center,
Main Campus, East Pavilion, Level 3,
Burlington, VT
> University of Vermont Medical Center,
Main Campus, McClure 2 Connector,
Burlington, VT
> University of Vermont Medical Center,
One South Prospect Street, Burlington, VT
> University of Vermont Medical Center,
Fanny Allen Campus, 790 College Parkway,
Colchester, VT
> IBM Buildings 861, 963, 969, 975
> 1000 Shelburne Road, So. Burlington, VT
> E ssex Shoppes Cinema, 21 Essex Way, Essex, VT
>2
95 Tuckers Way, St. Albans, VT
> 172 So. Main Street, St. Albans, VT
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