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JOHNS HOPKINS FEDERAL CREDIT UNION Mark Your Calendar: JHFCU’s Annual Meeting Thursday, May 14, 2015 The Annual Meeting is held each spring to provide members an update on the financial state of the Credit Union and the past year’s accomplishments, as well as a preview of some upcoming plans. A floor vote is held to elect the slate of nominees for the Board of Directors open seats. Prior to the business meeting, you also have the opportunity to get information about Credit Union services from Credit Union representatives and from some of our vendor partners. You can also enjoy good food and the chance to win a door prize! The Annual Meeting will be held at the Glass Pavilion on the Homewood campus. The event will begin with hors d’oeuvres at 5:15 p.m., followed by the business meeting at 6:00 p.m. Please RSVP to Rebecca Wharton at rwharton@jhfcu.org or call 410-534-4500, ext. 273. 410-534-4500 | 1-800-JHFCU-70 SPRING 2015 Got a Home Improvement Project? Turn to a JHFCU Home Equity Loan or Line of Credit If you don’t have the extra cash and need affordable funding for your project, we may have just what you need: • Home Equity Loan • Home Equity Line of Credit (HELOC) JHFCU’s HELOC is as low as Prime + 0%* and there are no closing costs**. With a Home Equity Loan or HELOC, your interest may be tax deductible (consult your tax advisor for details). For more details or to apply, visit us online at jhfcu.org (log in to online banking), call us at 410-534-4500, ext. 503, or speak with us in person at our East Baltimore Branch. **Rate is based on the Prime Rate, as published in the Wall Street Journal on the 25th of the previous month, and can adjust monthly. Floor rate is 3.00% for 80% LTV. Maximum rate is 18.00% annual percentage rate. **Closing costs will be added back to the loan payoff balance if the loan is paid off within the first three years. JHFCU will only pay closing costs one time per property. Apple Pay™ Coming Soon JHFCU debit and credit cards will be able to be added to the Apple Pay wallet. We are waiting for Visa®and Apple®to complete our implementation. Privacy Notice Your privacy is extremely important to us. Visit our website at jhfcu.org to view a copy of our privacy policy. jhfcu.org