money talks - Franklin Mint Federal Credit Union

Fall.NL.9.00 9/13/00 1:48 PM Page 1
FMFCU Service Centers & ATM Locations
Taylor Hospital Credit Union Branch/ATM
East Chester Pike, Ridley Park, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Riddle Memorial Hospital Credit Union Branch/ATM
U.S. Route One, Media, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Delaware County Memorial Hospital Credit Union Branch/ATM
501 N. Lansdowne Ave., Drexel Hill, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Fitzgerald Hospital Credit Union Branch/ATM
Lansdowne & Bailey Roads, Darby, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Suburban Credit Union Branch/ATM
2701 DeKalb Pike, Norristown, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Widener University
One University Place, Chester, PA
Hours vary: Call 610-619-7000 for current hours.
Additional FMFCU ATM Locations
(as of August 31, 2000)
B & S Deli, Chester, PA
Boscov’s, Granite Run Mall
(Lower level entrance near AMC theater), Media, PA
Boscov’s, Plymouth Meeting Mall (Second floor entrance, across
from Double Tree Hotel), Plymouth Meeting, PA
Delaware County Community College, Media, PA
MacDade Mall, Glenolden, PA
Springfield Mall (Upper & lower levels), Springfield, PA
Enterprise Building, West Chester, PA*
Crozer Chester Community Hospital, Chester, PA
* Restricted Access
Mercy Hospital of Philadelphia Credit Union
Branch/ATM
501 S. 54th St., Philadelphia, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Mercy Community Hospital Credit Union Branch/ATM
2000 Old West Chester Pike, Havertown, PA
Mon./Thurs., 10 a.m.-12 p.m.;
Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Swarthmore College Credit Union Branch/ATM
500 College Ave., Swarthmore, PA
Hours: Mon., 9 a.m.-12 p.m.
Tues.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 11 a.m.-12 p.m.)
Studio Park Branch/ATM*
1200 Wilson Drive @ Studio Park, West Chester, PA
Hours: Mon - Fri., 8 a.m.-5:30 p.m.
FMFCU offices/branches will be closed for the following holidays:
Columbus Day
Monday, October 9th
Thanksgiving Day
Thursday, November 23rd
Christmas Day
Monday, December 25th
New Year’s Day
Monday, January 1st
No more than three of the covered transfers or withdrawals may be by a
check written by you and payable to third parties.
See below which transfers and withdrawals are covered (and therefore
counted toward the limit) and which are not covered.
COVERED
NON-COVERED
Transfers and Withdrawals
Transfers and Withdrawals
Transfers or withdrawals made to another
account if made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers to a third party, if made by:
•
Check
•
Draft
•
Debit card, or
•
Similar order and payable to third parties
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
E-mail Address
fmfcu@fmfcu.org
PAT (Premier Access Telephone)
(610) 325-5100 / (800) 220-3193 †
Mailing Address:
Franklin Mint Federal Credit Union
P.O. Box 1907
Media, PA 19063-8907
Telecommunication Device (TDD)
for our hearing-impaired members
(610) 325-9557
Web site
www.fmfcu.org
We Do Business in Accordance With the
Federal Fair Housing Law and the
Equal Credit Opportunity Act
This is a publication of
Franklin Mint Federal Credit Union.
Thank you for being a member of Franklin Mint Federal Credit Union
F
a
Transfers from one account to another account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals to you from the account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals made by telephone via check
mailed to the depositor.
Their names were chosen randomly as part of
FMFCU’s 30th Anniversary Loan and
Certificate promotion!
John Hamilton
610-459-6785
Transfers into the account
l
2
0
0
0
IN THIS ISSUE…
Thomas Fitzpatrick of Broomall, PA won a
eMachine Personal Computer
Does
your current
employer offer credit
union membership as part
of its benefits package? No?
Call John Hamilton to find
about how your company can
become a sponsor . Why not
share Your Credit Union with
your co-workers?
l
Change the Way You Live ..........................................2
Letter from the Chairman & the President ..................2
FMFCU Awards Scholarship ......................................3
Is Your To Do List Too Long?......................................3
Auto Express Check ....................................................4
Go Platinum & Go First Class! ..................................4
Service Centers............................................................5
Limitations on Savings ....................................6
Congratulations to Contest Winners! ............6
Automatic payment transfers for the purpose of
repaying loans
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers or withdrawals to a third party, if
made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
The Credit Union of Choice!
Darrell Gallagher of West Chester, PA won a
$500 Mobil Gas Card
MONEY
TALKS
Here’s Your Key to
Our Enterprise
One-Day Only
Car Sale
Exclusively for
FMFCU Members!
•
•
•
New Auto Rates
100% financing to qualified members
Up to 60 months to repay
When:
Saturday, September 30, 2000
9 a.m. - 2 p.m. (rain or shine)
Franklin Mint Federal Credit Union parking lot
Where:
1974 Sproul Road, Broomall, PA 19008
(across from Lawrence Park Shopping Center)
Other Important Information:
Member Service Center
(610) 325-5100
† Calls originating outside of
Pennsylvania
MONEY
5 .T.ALKS
...
610-325-5100
Franklin Center Credit Union Branch
U.S. Route One, Franklin Center, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Franklin Mint, Aston Credit Union Branch
105 Commerce Drive, Aston, PA
Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m.
(Closed for lunch 12:45 p.m.-1:30 p.m.)
Wed., 9 a.m.-12:45 p.m.
University Technology Park
1450 Edgmont Ave., Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m.
You, as a member, may make no more than six covered transfers or
withdrawals per calendar month or statement cycle.
Get a fast pre-approval today! Call
(610) 325-5100 or visit our website at
www.fmfcu.org.
Presorted
First-Class Mail
U.S. Postage
Franklin Mint Credit Union Branches/ATMs*
Chester Credit Union Branch/ATM
Marianne Craskey of Darby, PA won a $500
Mobil Gas Card
PSB
92630
State & Olive Streets, Media, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
In your statement of accounts we have sent you information regarding
Regulation D, a federal regulation that limits certain transactions of
savings accounts. You may find the following chart useful in planning
the transactions you do on a monthly basis. This information can also be
found in your initial account disclosures.
Congratulations to Our FMFCU
30th Anniversary Contest Winners!
PAID
Media Credit Union Branch/ATM
1974 Sproul Rd., Suite 100, Broomall, PA
Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m.
Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m.
Sat., 9 a.m.-2 p.m.
Limitations On Savings Deposits,
Transfers and Withdrawals
The Credit Union of Choice!
Village at Painter’s Crossing, West Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m.
Broomall Credit Union Branch/ATM
1974 Sproul Road, Suite 300
Broomall, PA 19008
Chadds Ford Credit Union Branch/ATM
FMFCU delivering Speed,
Service and Convenience
for over 30 years!
What’s new at www.fmfcu.org?
Mortgage Center
Looking for information on Mortgages? Now you can find all you
need to know about Mortgages on FMFCU’s online Mortgage
Center. Our new Mortgage Center was designed to help you make
smart decisions on your next home purchase. The new site is
equipped with information on Mortgage Loan Options, Mortgage
Calculators and a glossary of common Mortgage Terms. But that’s
not all! FMFCU provides you with applications, first time
homebuyer information and credit reports all online!
If you are in the market for a new home or refinancing an existing
mortgage make sure to check out the new Mortgage Center at
www.fmfcu.org!
MasterCard® Account Access
FMFCU now provides access to your MasterCard information
online! View your account balance, payment information, available
credit and a summary of your account transactions, all at
www.fmfcu.org.
All you need is your 16-digit card number, your 5-digit zip code and
3-digit card verification number from the back of your card. Click
on Online Services then MasterCard Account Access and give
it a try today!
News Flash
Want to be the first to hear about new products and services? Sign
up for NEWS FLASH, FMFCU's online information link! What
does this mean? It means you will be the first to know about
upcoming promotions, new products and services, tips to make sure
your getting the most out of your financial institution and what's
happening here at FMFCU. We want NEWS FLASH to give you
access to the information you want and need, so feel free to e-mail
us anytime with suggestions for our next issue. As a member you
can expect to receive NEWS FLASH twice a month via e-mail. If at
any time you want to stop receiving NEWS FLASH follow the link
at the bottom of the page and we will remove you from our list.
COMING
COMING SOON:
SOON:
FMFCU Online Auto Center
610-325-5100
Fall.NL.9.00 9/13/00 1:49 PM Page 4
Change the Way You Live
With a Home Equity Loan or Home Equity Line of Credit from
FMFCU, you can change the way you live in no time! Use
the equity in your home to:
•
Consolidate your bills
•
Replace your old windows
•
Pay for college tuition
•
Expand your garage
•
Remodel a room
•
Buy a new SUV for the winter
•
Build an addition or deck
•
Plus, the interest may be tax deductible*
With a Home Equity Loan, you get a low FIXED rate up to 15 years
and low monthly payments. A Home Equity Line of Credit gives you
a rate as low as Prime minus 1% APR** and the ability
to tap into your credit whenever you need cash. Plus, you only pay
interest on the amount you use.
FMFCU is offering the lowest rates available and the fastest
approvals possible. Act now for no application fee and 100%
financing for qualified borrowers. How can you get your cash? Call
610/325-5100; fax to 610/325-9565; stop by your local branch or
apply online at www.fmfcu.org
Letter from
the Chairman & the President
Dear Members:
The results are in from
our bi-annual member
survey. We are pleased
to inform you that your
Credit Union achieved
Mary O. Kennedy
John D. Unangst
an 84% Member
Chairman of the Board
President & CEO
Satisfaction rating!
Plus, 90% of our members who consider us to be their primary
financial institution rate their level of satisfaction as "very satisfied".
Nationally, only 65% of members and 52% of non-members give
their primary financial institution this satisfaction rating.
●
●
APR=Annual Percentage Rate
“FYI-Stats”
(as of August 31, 2000)
Total Assets: $207,000,000
Total Loans: $161,000,000
Membership: 43,444
Number of Branches: 17
Number of ATM Machines: 25
ENJOY UNLIMITED FREE TRANSACTIONS
AND INQUIRIES AT FMFCU ATMs!
MONEY
2 .T.ALKS
...
Juggling the responsibilities of work, kids, school etc…is hard
enough. Worrying about when you can make time to run to the Credit
Union is too much. Take those extra trips off your To Do List with
FMFCU's electronic services!
Are you looking for a way to reduce the stress of purchasing a new
car? Look no further! Franklin Mint Federal Credit Union can provide
you with the easiest way to finance a car, the Auto Express Check.
Premier Check Card — The ATM card that acts like a check!
Financing a car has never been easier!
If a generous credit line
and a high level of
personal service are what
you’re looking for in a
credit card, it’s time for
you to Go Platinum!
●
●
●
●
●
So you ask, what does this survey mean to FMFCU and you?
What a great way to make the fall a season to remember!
* Consult your tax advisor for details. Equal Housing Lender
** Prime –1% equity credit line requires a minimum external advance of
$20,000 at the time the account is established.
Go Platinum & Go First Class!
Get a Low 3.9%APR!
●
●
●
First, it means we have provided you with quality service,
speed, and convenience and will continue to do so (we’ve
been doing this for 30 years!);
Second, you’ve given us feedback to help us be a better Credit
Union for all of our members. We value your opinion and we
encourage you to tell us your ideas, suggestions, and issues so
that we can improve the way we do business for you;
Third, many of you (66%) have made FMFCU your primary
financial institution, meaning you utilize and are pleased with
our 16 branch and 25 ATM locations, home banking and bill
paying services, Premier Access Teller (PAT), direct deposit,
credit cards, and more.
Finally, 63% of our members indicate that dealing with
FMFCU is substantially or somewhat better than banking at
other financial institutions they use. It goes to show that our
number one priority, MEMBER SATISFACTION, combined with
service, speed, and convenience makes a great winning team.
FMFCU is continuing to grow in the region and we plan to be there
for you. Our branch network, internet website (www.fmfcu.org),
products and other services will be expanding in the near future to
meet your needs because you’ve asked for them. In addition, we are
constantly seeking out and implementing new technology to
streamline our operations so that you will have an even better
experience at FMFCU.
We’d like to thank those members who participated in the survey as
your time and effort are much appreciated. Your opinion truly does
count at FMFCU, so please never hesitate to let us know what we can
do for you to make your Credit Union experience more enjoyable.
Sincerely,
Mary O. Kennedy
Chairman of the Board
John D. Unangst
President & CEO
P.S. If you haven’t considered using us on a regular basis like 66% of our members, the
FMFCU staff would be more than happy to show you how and why we can be the financial
institution/Credit Union of Choice for you and your family.
To Do List too long?
Auto Express Check —
The easy way to finance your car!
Is your
●
No annual or monthly fees
No interest charges because the money comes from your
checking account
Access up to six accounts on one card
24 hour access to your money at ATM and
MasterCard® locations
Up to $1,000 daily limit
Unlimited transactions at FMFCU ATMs and
MasterCard locations
12 Free transactions on non-FMFCU ATM machines monthly
Premier Access Home Banking-Access your account
24 hours a day 7 days a week online!
www.fmfcu.org
● No additional software is needed
● Check account balances, ATM transactions, deposits
and checks
● Transfer money between related accounts
● Pay loans and MasterCards
● Transfer information to Quicken® or Microsoft Money®
● Receive quotes and track stocks
Premier Access Bill Payer — Pay bills with a quick call or
click of a mouse!
●
●
●
●
●
No additional software is needed
Send payments to almost anyone, anywhere
Schedule recurring payments so you never have to worry again
Money comes straight from your checking account
Access 24 hours a day 7 days a week.
Premier Access Telephone(PAT) — Your accounts are
a phone call away!
610-325-5100
● Check account balances, ATM
transactions, deposits and checks
● Transfer money between related accounts effortlessly
● Monitor holiday, money market and vacation accounts any
time of the year
● Pay loan and MasterCard accounts
● Obtain payoff information for loans without confusion
● Change your PIN with total security
● With each transaction you receive a confirmation number for
your records
Here is how it works:
Direct Deposit & Payroll Deduction — Whether you want your
entire check or a portion of your check to be deposited, setting it
up is simple.
●
●
●
Funds are deposited directly into your account
Funds are available on the day of deposit
(electronic payments only)
Reduces or eliminates trips to the branch
●
Talk to a Member Service Counselor to start taking advantage of
these time saving services! Call 610-325-5100 today!
FMFCU Awards Scholarship
Money to Two Deserving
Students!
Susan Tieh of Wilmington, DE was one of the
recipients of the scholarship award. Susan
recently graduated from Brandywine High
School and looks forward to her college career
with Stanford University in California. Susan
enjoys reading and writing, but is not sure
what area of study she will pursue in the fall.
Amanda DiNofia of Drexel Hill, PA received
the other scholarship award. Amanda attended
Archbishop Prendergast. She has just returned
from a 2-week vacation abroad where she
visited England, France, Germany and
Switzerland. She plans to attend Ursinus
College in Collegeville, PA this fall with a
concentration in Biology.
Congratulations to both of the scholarship
winners. FMFCU wishes you much success in
your future endeavors.
610-325-5100
MONEY
TALKS
. . . . . 33
One of the most exclusive benefits offered is Concierge Service.
This benefit allows you to enjoy privileges during your hotel stay
that other cardholders will not. Get limousine reservations, dining
referral and reservations, golf course information, performance and
special events information and reservations and much more!
Once we receive your completed application, you will be
notified of your application status within 24 hours of the next
business day.
The Approval
● Once you're approved, all you have to do is sign the
paperwork and pick up your check. You can do this at any of
our 16 conveniently located branches. If you would prefer, we
may be able to mail you the documents.
●
Each year, FMFCU accepts hundreds of essays in an effort to award
2 graduating high school students $1,000 in scholarship money.
Each participating student was asked to write a scholarship essay.
Every essay was turned in and reviewed by FMFCU’s Scholarship
Committee. The two who were selected seemed to exemplify the
true spirit of leadership, school spirit and academic excellence.
Get exclusive privileges,
such as Concierge Service to
1 million dollars in Travel Accident Insurance to 24-hour Preferred
Customer Service, you’ll find that the privileges deliver first class
treatment.
The Application
● Simply know the maximum amount you would like to finance
your vehicle for and get pre-approved. You have 3 easy ways
to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at
www.fmfcu.org.
●
When you use your Platinum card to travel, you and your
dependents are automatically covered for 1 million dollars should
death or disability occur. Let Platinum take care of your travel
troubles!
When your application is approved your rate is locked in for
90 days. This gives you plenty of time to shop for your new
car at your leisure, without worrying about the rates going up.
Platinum also extends 24 hours, 7 days a week Preferred Customer
Service. Obtain anything from general account information to fee
inquiries.
With the rates locked in and the check in your hand, you’re
ready to go shopping!
As a Platinum cardholder, you will also receive additional benefits,
such as Master RoadAssist Roadside Service, Travel Assistance
Services, MasterRental Insurance Coverage which helps you to save
money when renting a car and more!
The Shopping
● The Auto Express Check can be used at any car dealership you
desire. After you have selected the car or truck and have
agreed with the dealer on price, trade-in, rebate and other
purchase details, just finish writing the check and present it to
the dealer as payment.
●
Not only does the Platinum card offer exceptional benefits, we’ll
give you 3.9%APR for the first 6 months when you apply for the
new card!* That’s right! You’ll receive 3.9%APR on balances
transferred! That's a rate that can’t be beat!
The dealer will take care of the rest.
The Auto Express Check gives you the convenience of having your
financing done before you shop. Not to mention, the peace-of-mind
you get knowing you received a low interest rate with no hidden fees.
Once you use the Auto Express Check you will never finance a car
any other way!
M
I
S
S
I
O
N
S
T
Call 610-325-5100 today or log on to our
web site at www.fmfcu.org to apply.
* To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another
financial institution. Or, receive 5.9%APR for the first 6 months without bringing over
$2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The
promotional rate of 5.9% is good only for purchases. After the promotional period, your rate
will revert back to the prevailing rate, depending upon your credit worthiness.
A
T
E
M
E
N
T
To be the financial institution of choice for our members and potential members by providing high-quality,
cost-effective financial services tailored to meet the needs and promote the well-being of our community.
MONEY
TALKS
. . . . . 43
Fall.NL.9.00 9/13/00 1:49 PM Page 4
Change the Way You Live
With a Home Equity Loan or Home Equity Line of Credit from
FMFCU, you can change the way you live in no time! Use
the equity in your home to:
•
Consolidate your bills
•
Replace your old windows
•
Pay for college tuition
•
Expand your garage
•
Remodel a room
•
Buy a new SUV for the winter
•
Build an addition or deck
•
Plus, the interest may be tax deductible*
With a Home Equity Loan, you get a low FIXED rate up to 15 years
and low monthly payments. A Home Equity Line of Credit gives you
a rate as low as Prime minus 1% APR** and the ability
to tap into your credit whenever you need cash. Plus, you only pay
interest on the amount you use.
FMFCU is offering the lowest rates available and the fastest
approvals possible. Act now for no application fee and 100%
financing for qualified borrowers. How can you get your cash? Call
610/325-5100; fax to 610/325-9565; stop by your local branch or
apply online at www.fmfcu.org
Letter from
the Chairman & the President
Dear Members:
The results are in from
our bi-annual member
survey. We are pleased
to inform you that your
Credit Union achieved
Mary O. Kennedy
John D. Unangst
an 84% Member
Chairman of the Board
President & CEO
Satisfaction rating!
Plus, 90% of our members who consider us to be their primary
financial institution rate their level of satisfaction as "very satisfied".
Nationally, only 65% of members and 52% of non-members give
their primary financial institution this satisfaction rating.
●
●
APR=Annual Percentage Rate
“FYI-Stats”
(as of August 31, 2000)
Total Assets: $207,000,000
Total Loans: $161,000,000
Membership: 43,444
Number of Branches: 17
Number of ATM Machines: 25
ENJOY UNLIMITED FREE TRANSACTIONS
AND INQUIRIES AT FMFCU ATMs!
MONEY
2 .T.ALKS
...
Juggling the responsibilities of work, kids, school etc…is hard
enough. Worrying about when you can make time to run to the Credit
Union is too much. Take those extra trips off your To Do List with
FMFCU's electronic services!
Are you looking for a way to reduce the stress of purchasing a new
car? Look no further! Franklin Mint Federal Credit Union can provide
you with the easiest way to finance a car, the Auto Express Check.
Premier Check Card — The ATM card that acts like a check!
Financing a car has never been easier!
If a generous credit line
and a high level of
personal service are what
you’re looking for in a
credit card, it’s time for
you to Go Platinum!
●
●
●
●
●
So you ask, what does this survey mean to FMFCU and you?
What a great way to make the fall a season to remember!
* Consult your tax advisor for details. Equal Housing Lender
** Prime –1% equity credit line requires a minimum external advance of
$20,000 at the time the account is established.
Go Platinum & Go First Class!
Get a Low 3.9%APR!
●
●
●
First, it means we have provided you with quality service,
speed, and convenience and will continue to do so (we’ve
been doing this for 30 years!);
Second, you’ve given us feedback to help us be a better Credit
Union for all of our members. We value your opinion and we
encourage you to tell us your ideas, suggestions, and issues so
that we can improve the way we do business for you;
Third, many of you (66%) have made FMFCU your primary
financial institution, meaning you utilize and are pleased with
our 16 branch and 25 ATM locations, home banking and bill
paying services, Premier Access Teller (PAT), direct deposit,
credit cards, and more.
Finally, 63% of our members indicate that dealing with
FMFCU is substantially or somewhat better than banking at
other financial institutions they use. It goes to show that our
number one priority, MEMBER SATISFACTION, combined with
service, speed, and convenience makes a great winning team.
FMFCU is continuing to grow in the region and we plan to be there
for you. Our branch network, internet website (www.fmfcu.org),
products and other services will be expanding in the near future to
meet your needs because you’ve asked for them. In addition, we are
constantly seeking out and implementing new technology to
streamline our operations so that you will have an even better
experience at FMFCU.
We’d like to thank those members who participated in the survey as
your time and effort are much appreciated. Your opinion truly does
count at FMFCU, so please never hesitate to let us know what we can
do for you to make your Credit Union experience more enjoyable.
Sincerely,
Mary O. Kennedy
Chairman of the Board
John D. Unangst
President & CEO
P.S. If you haven’t considered using us on a regular basis like 66% of our members, the
FMFCU staff would be more than happy to show you how and why we can be the financial
institution/Credit Union of Choice for you and your family.
To Do List too long?
Auto Express Check —
The easy way to finance your car!
Is your
●
No annual or monthly fees
No interest charges because the money comes from your
checking account
Access up to six accounts on one card
24 hour access to your money at ATM and
MasterCard® locations
Up to $1,000 daily limit
Unlimited transactions at FMFCU ATMs and
MasterCard locations
12 Free transactions on non-FMFCU ATM machines monthly
Premier Access Home Banking-Access your account
24 hours a day 7 days a week online!
www.fmfcu.org
● No additional software is needed
● Check account balances, ATM transactions, deposits
and checks
● Transfer money between related accounts
● Pay loans and MasterCards
● Transfer information to Quicken® or Microsoft Money®
● Receive quotes and track stocks
Premier Access Bill Payer — Pay bills with a quick call or
click of a mouse!
●
●
●
●
●
No additional software is needed
Send payments to almost anyone, anywhere
Schedule recurring payments so you never have to worry again
Money comes straight from your checking account
Access 24 hours a day 7 days a week.
Premier Access Telephone(PAT) — Your accounts are
a phone call away!
610-325-5100
● Check account balances, ATM
transactions, deposits and checks
● Transfer money between related accounts effortlessly
● Monitor holiday, money market and vacation accounts any
time of the year
● Pay loan and MasterCard accounts
● Obtain payoff information for loans without confusion
● Change your PIN with total security
● With each transaction you receive a confirmation number for
your records
Here is how it works:
Direct Deposit & Payroll Deduction — Whether you want your
entire check or a portion of your check to be deposited, setting it
up is simple.
●
●
●
Funds are deposited directly into your account
Funds are available on the day of deposit
(electronic payments only)
Reduces or eliminates trips to the branch
●
Talk to a Member Service Counselor to start taking advantage of
these time saving services! Call 610-325-5100 today!
FMFCU Awards Scholarship
Money to Two Deserving
Students!
Susan Tieh of Wilmington, DE was one of the
recipients of the scholarship award. Susan
recently graduated from Brandywine High
School and looks forward to her college career
with Stanford University in California. Susan
enjoys reading and writing, but is not sure
what area of study she will pursue in the fall.
Amanda DiNofia of Drexel Hill, PA received
the other scholarship award. Amanda attended
Archbishop Prendergast. She has just returned
from a 2-week vacation abroad where she
visited England, France, Germany and
Switzerland. She plans to attend Ursinus
College in Collegeville, PA this fall with a
concentration in Biology.
Congratulations to both of the scholarship
winners. FMFCU wishes you much success in
your future endeavors.
610-325-5100
MONEY
TALKS
. . . . . 33
One of the most exclusive benefits offered is Concierge Service.
This benefit allows you to enjoy privileges during your hotel stay
that other cardholders will not. Get limousine reservations, dining
referral and reservations, golf course information, performance and
special events information and reservations and much more!
Once we receive your completed application, you will be
notified of your application status within 24 hours of the next
business day.
The Approval
● Once you're approved, all you have to do is sign the
paperwork and pick up your check. You can do this at any of
our 16 conveniently located branches. If you would prefer, we
may be able to mail you the documents.
●
Each year, FMFCU accepts hundreds of essays in an effort to award
2 graduating high school students $1,000 in scholarship money.
Each participating student was asked to write a scholarship essay.
Every essay was turned in and reviewed by FMFCU’s Scholarship
Committee. The two who were selected seemed to exemplify the
true spirit of leadership, school spirit and academic excellence.
Get exclusive privileges,
such as Concierge Service to
1 million dollars in Travel Accident Insurance to 24-hour Preferred
Customer Service, you’ll find that the privileges deliver first class
treatment.
The Application
● Simply know the maximum amount you would like to finance
your vehicle for and get pre-approved. You have 3 easy ways
to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at
www.fmfcu.org.
●
When you use your Platinum card to travel, you and your
dependents are automatically covered for 1 million dollars should
death or disability occur. Let Platinum take care of your travel
troubles!
When your application is approved your rate is locked in for
90 days. This gives you plenty of time to shop for your new
car at your leisure, without worrying about the rates going up.
Platinum also extends 24 hours, 7 days a week Preferred Customer
Service. Obtain anything from general account information to fee
inquiries.
With the rates locked in and the check in your hand, you’re
ready to go shopping!
As a Platinum cardholder, you will also receive additional benefits,
such as Master RoadAssist Roadside Service, Travel Assistance
Services, MasterRental Insurance Coverage which helps you to save
money when renting a car and more!
The Shopping
● The Auto Express Check can be used at any car dealership you
desire. After you have selected the car or truck and have
agreed with the dealer on price, trade-in, rebate and other
purchase details, just finish writing the check and present it to
the dealer as payment.
●
Not only does the Platinum card offer exceptional benefits, we’ll
give you 3.9%APR for the first 6 months when you apply for the
new card!* That’s right! You’ll receive 3.9%APR on balances
transferred! That's a rate that can’t be beat!
The dealer will take care of the rest.
The Auto Express Check gives you the convenience of having your
financing done before you shop. Not to mention, the peace-of-mind
you get knowing you received a low interest rate with no hidden fees.
Once you use the Auto Express Check you will never finance a car
any other way!
M
I
S
S
I
O
N
S
T
Call 610-325-5100 today or log on to our
web site at www.fmfcu.org to apply.
* To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another
financial institution. Or, receive 5.9%APR for the first 6 months without bringing over
$2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The
promotional rate of 5.9% is good only for purchases. After the promotional period, your rate
will revert back to the prevailing rate, depending upon your credit worthiness.
A
T
E
M
E
N
T
To be the financial institution of choice for our members and potential members by providing high-quality,
cost-effective financial services tailored to meet the needs and promote the well-being of our community.
MONEY
TALKS
. . . . . 43
Fall.NL.9.00 9/13/00 1:49 PM Page 4
Change the Way You Live
With a Home Equity Loan or Home Equity Line of Credit from
FMFCU, you can change the way you live in no time! Use
the equity in your home to:
•
Consolidate your bills
•
Replace your old windows
•
Pay for college tuition
•
Expand your garage
•
Remodel a room
•
Buy a new SUV for the winter
•
Build an addition or deck
•
Plus, the interest may be tax deductible*
With a Home Equity Loan, you get a low FIXED rate up to 15 years
and low monthly payments. A Home Equity Line of Credit gives you
a rate as low as Prime minus 1% APR** and the ability
to tap into your credit whenever you need cash. Plus, you only pay
interest on the amount you use.
FMFCU is offering the lowest rates available and the fastest
approvals possible. Act now for no application fee and 100%
financing for qualified borrowers. How can you get your cash? Call
610/325-5100; fax to 610/325-9565; stop by your local branch or
apply online at www.fmfcu.org
Letter from
the Chairman & the President
Dear Members:
The results are in from
our bi-annual member
survey. We are pleased
to inform you that your
Credit Union achieved
Mary O. Kennedy
John D. Unangst
an 84% Member
Chairman of the Board
President & CEO
Satisfaction rating!
Plus, 90% of our members who consider us to be their primary
financial institution rate their level of satisfaction as "very satisfied".
Nationally, only 65% of members and 52% of non-members give
their primary financial institution this satisfaction rating.
●
●
APR=Annual Percentage Rate
“FYI-Stats”
(as of August 31, 2000)
Total Assets: $207,000,000
Total Loans: $161,000,000
Membership: 43,444
Number of Branches: 17
Number of ATM Machines: 25
ENJOY UNLIMITED FREE TRANSACTIONS
AND INQUIRIES AT FMFCU ATMs!
MONEY
2 .T.ALKS
...
Juggling the responsibilities of work, kids, school etc…is hard
enough. Worrying about when you can make time to run to the Credit
Union is too much. Take those extra trips off your To Do List with
FMFCU's electronic services!
Are you looking for a way to reduce the stress of purchasing a new
car? Look no further! Franklin Mint Federal Credit Union can provide
you with the easiest way to finance a car, the Auto Express Check.
Premier Check Card — The ATM card that acts like a check!
Financing a car has never been easier!
If a generous credit line
and a high level of
personal service are what
you’re looking for in a
credit card, it’s time for
you to Go Platinum!
●
●
●
●
●
So you ask, what does this survey mean to FMFCU and you?
What a great way to make the fall a season to remember!
* Consult your tax advisor for details. Equal Housing Lender
** Prime –1% equity credit line requires a minimum external advance of
$20,000 at the time the account is established.
Go Platinum & Go First Class!
Get a Low 3.9%APR!
●
●
●
First, it means we have provided you with quality service,
speed, and convenience and will continue to do so (we’ve
been doing this for 30 years!);
Second, you’ve given us feedback to help us be a better Credit
Union for all of our members. We value your opinion and we
encourage you to tell us your ideas, suggestions, and issues so
that we can improve the way we do business for you;
Third, many of you (66%) have made FMFCU your primary
financial institution, meaning you utilize and are pleased with
our 16 branch and 25 ATM locations, home banking and bill
paying services, Premier Access Teller (PAT), direct deposit,
credit cards, and more.
Finally, 63% of our members indicate that dealing with
FMFCU is substantially or somewhat better than banking at
other financial institutions they use. It goes to show that our
number one priority, MEMBER SATISFACTION, combined with
service, speed, and convenience makes a great winning team.
FMFCU is continuing to grow in the region and we plan to be there
for you. Our branch network, internet website (www.fmfcu.org),
products and other services will be expanding in the near future to
meet your needs because you’ve asked for them. In addition, we are
constantly seeking out and implementing new technology to
streamline our operations so that you will have an even better
experience at FMFCU.
We’d like to thank those members who participated in the survey as
your time and effort are much appreciated. Your opinion truly does
count at FMFCU, so please never hesitate to let us know what we can
do for you to make your Credit Union experience more enjoyable.
Sincerely,
Mary O. Kennedy
Chairman of the Board
John D. Unangst
President & CEO
P.S. If you haven’t considered using us on a regular basis like 66% of our members, the
FMFCU staff would be more than happy to show you how and why we can be the financial
institution/Credit Union of Choice for you and your family.
To Do List too long?
Auto Express Check —
The easy way to finance your car!
Is your
●
No annual or monthly fees
No interest charges because the money comes from your
checking account
Access up to six accounts on one card
24 hour access to your money at ATM and
MasterCard® locations
Up to $1,000 daily limit
Unlimited transactions at FMFCU ATMs and
MasterCard locations
12 Free transactions on non-FMFCU ATM machines monthly
Premier Access Home Banking-Access your account
24 hours a day 7 days a week online!
www.fmfcu.org
● No additional software is needed
● Check account balances, ATM transactions, deposits
and checks
● Transfer money between related accounts
● Pay loans and MasterCards
● Transfer information to Quicken® or Microsoft Money®
● Receive quotes and track stocks
Premier Access Bill Payer — Pay bills with a quick call or
click of a mouse!
●
●
●
●
●
No additional software is needed
Send payments to almost anyone, anywhere
Schedule recurring payments so you never have to worry again
Money comes straight from your checking account
Access 24 hours a day 7 days a week.
Premier Access Telephone(PAT) — Your accounts are
a phone call away!
610-325-5100
● Check account balances, ATM
transactions, deposits and checks
● Transfer money between related accounts effortlessly
● Monitor holiday, money market and vacation accounts any
time of the year
● Pay loan and MasterCard accounts
● Obtain payoff information for loans without confusion
● Change your PIN with total security
● With each transaction you receive a confirmation number for
your records
Here is how it works:
Direct Deposit & Payroll Deduction — Whether you want your
entire check or a portion of your check to be deposited, setting it
up is simple.
●
●
●
Funds are deposited directly into your account
Funds are available on the day of deposit
(electronic payments only)
Reduces or eliminates trips to the branch
●
Talk to a Member Service Counselor to start taking advantage of
these time saving services! Call 610-325-5100 today!
FMFCU Awards Scholarship
Money to Two Deserving
Students!
Susan Tieh of Wilmington, DE was one of the
recipients of the scholarship award. Susan
recently graduated from Brandywine High
School and looks forward to her college career
with Stanford University in California. Susan
enjoys reading and writing, but is not sure
what area of study she will pursue in the fall.
Amanda DiNofia of Drexel Hill, PA received
the other scholarship award. Amanda attended
Archbishop Prendergast. She has just returned
from a 2-week vacation abroad where she
visited England, France, Germany and
Switzerland. She plans to attend Ursinus
College in Collegeville, PA this fall with a
concentration in Biology.
Congratulations to both of the scholarship
winners. FMFCU wishes you much success in
your future endeavors.
610-325-5100
MONEY
TALKS
. . . . . 33
One of the most exclusive benefits offered is Concierge Service.
This benefit allows you to enjoy privileges during your hotel stay
that other cardholders will not. Get limousine reservations, dining
referral and reservations, golf course information, performance and
special events information and reservations and much more!
Once we receive your completed application, you will be
notified of your application status within 24 hours of the next
business day.
The Approval
● Once you're approved, all you have to do is sign the
paperwork and pick up your check. You can do this at any of
our 16 conveniently located branches. If you would prefer, we
may be able to mail you the documents.
●
Each year, FMFCU accepts hundreds of essays in an effort to award
2 graduating high school students $1,000 in scholarship money.
Each participating student was asked to write a scholarship essay.
Every essay was turned in and reviewed by FMFCU’s Scholarship
Committee. The two who were selected seemed to exemplify the
true spirit of leadership, school spirit and academic excellence.
Get exclusive privileges,
such as Concierge Service to
1 million dollars in Travel Accident Insurance to 24-hour Preferred
Customer Service, you’ll find that the privileges deliver first class
treatment.
The Application
● Simply know the maximum amount you would like to finance
your vehicle for and get pre-approved. You have 3 easy ways
to apply: visit one of our 16 convenient locations, call LoanBy-Phone at 610-325-5100 or apply on-line at
www.fmfcu.org.
●
When you use your Platinum card to travel, you and your
dependents are automatically covered for 1 million dollars should
death or disability occur. Let Platinum take care of your travel
troubles!
When your application is approved your rate is locked in for
90 days. This gives you plenty of time to shop for your new
car at your leisure, without worrying about the rates going up.
Platinum also extends 24 hours, 7 days a week Preferred Customer
Service. Obtain anything from general account information to fee
inquiries.
With the rates locked in and the check in your hand, you’re
ready to go shopping!
As a Platinum cardholder, you will also receive additional benefits,
such as Master RoadAssist Roadside Service, Travel Assistance
Services, MasterRental Insurance Coverage which helps you to save
money when renting a car and more!
The Shopping
● The Auto Express Check can be used at any car dealership you
desire. After you have selected the car or truck and have
agreed with the dealer on price, trade-in, rebate and other
purchase details, just finish writing the check and present it to
the dealer as payment.
●
Not only does the Platinum card offer exceptional benefits, we’ll
give you 3.9%APR for the first 6 months when you apply for the
new card!* That’s right! You’ll receive 3.9%APR on balances
transferred! That's a rate that can’t be beat!
The dealer will take care of the rest.
The Auto Express Check gives you the convenience of having your
financing done before you shop. Not to mention, the peace-of-mind
you get knowing you received a low interest rate with no hidden fees.
Once you use the Auto Express Check you will never finance a car
any other way!
M
I
S
S
I
O
N
S
T
Call 610-325-5100 today or log on to our
web site at www.fmfcu.org to apply.
* To receive the 3.9%APR, you must transfer $2,000 or more from a credit card at another
financial institution. Or, receive 5.9%APR for the first 6 months without bringing over
$2,000. The promotional rate of 3.9% is good on the balances transferred portion only. The
promotional rate of 5.9% is good only for purchases. After the promotional period, your rate
will revert back to the prevailing rate, depending upon your credit worthiness.
A
T
E
M
E
N
T
To be the financial institution of choice for our members and potential members by providing high-quality,
cost-effective financial services tailored to meet the needs and promote the well-being of our community.
MONEY
TALKS
. . . . . 43
Fall.NL.9.00 9/13/00 1:48 PM Page 1
FMFCU Service Centers & ATM Locations
Taylor Hospital Credit Union Branch/ATM
East Chester Pike, Ridley Park, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Riddle Memorial Hospital Credit Union Branch/ATM
U.S. Route One, Media, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Delaware County Memorial Hospital Credit Union Branch/ATM
501 N. Lansdowne Ave., Drexel Hill, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Fitzgerald Hospital Credit Union Branch/ATM
Lansdowne & Bailey Roads, Darby, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Suburban Credit Union Branch/ATM
2701 DeKalb Pike, Norristown, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Widener University
One University Place, Chester, PA
Hours vary: Call 610-619-7000 for current hours.
Additional FMFCU ATM Locations
(as of August 31, 2000)
B & S Deli, Chester, PA
Boscov’s, Granite Run Mall
(Lower level entrance near AMC theater), Media, PA
Boscov’s, Plymouth Meeting Mall (Second floor entrance, across
from Double Tree Hotel), Plymouth Meeting, PA
Delaware County Community College, Media, PA
MacDade Mall, Glenolden, PA
Springfield Mall (Upper & lower levels), Springfield, PA
Enterprise Building, West Chester, PA*
Crozer Chester Community Hospital, Chester, PA
* Restricted Access
Mercy Hospital of Philadelphia Credit Union
Branch/ATM
501 S. 54th St., Philadelphia, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Mercy Community Hospital Credit Union Branch/ATM
2000 Old West Chester Pike, Havertown, PA
Mon./Thurs., 10 a.m.-12 p.m.;
Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Swarthmore College Credit Union Branch/ATM
500 College Ave., Swarthmore, PA
Hours: Mon., 9 a.m.-12 p.m.
Tues.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 11 a.m.-12 p.m.)
Studio Park Branch/ATM*
1200 Wilson Drive @ Studio Park, West Chester, PA
Hours: Mon - Fri., 8 a.m.-5:30 p.m.
FMFCU offices/branches will be closed for the following holidays:
Columbus Day
Monday, October 9th
Thanksgiving Day
Thursday, November 23rd
Christmas Day
Monday, December 25th
New Year’s Day
Monday, January 1st
No more than three of the covered transfers or withdrawals may be by a
check written by you and payable to third parties.
See below which transfers and withdrawals are covered (and therefore
counted toward the limit) and which are not covered.
COVERED
NON-COVERED
Transfers and Withdrawals
Transfers and Withdrawals
Transfers or withdrawals made to another
account if made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers to a third party, if made by:
•
Check
•
Draft
•
Debit card, or
•
Similar order and payable to third parties
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
E-mail Address
fmfcu@fmfcu.org
PAT (Premier Access Telephone)
(610) 325-5100 / (800) 220-3193 †
Mailing Address:
Franklin Mint Federal Credit Union
P.O. Box 1907
Media, PA 19063-8907
Telecommunication Device (TDD)
for our hearing-impaired members
(610) 325-9557
Web site
www.fmfcu.org
We Do Business in Accordance With the
Federal Fair Housing Law and the
Equal Credit Opportunity Act
This is a publication of
Franklin Mint Federal Credit Union.
Thank you for being a member of Franklin Mint Federal Credit Union
F
a
Transfers from one account to another account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals to you from the account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals made by telephone via check
mailed to the depositor.
Their names were chosen randomly as part of
FMFCU’s 30th Anniversary Loan and
Certificate promotion!
John Hamilton
610-459-6785
Transfers into the account
l
2
0
0
0
IN THIS ISSUE…
Thomas Fitzpatrick of Broomall, PA won a
eMachine Personal Computer
Does
your current
employer offer credit
union membership as part
of its benefits package? No?
Call John Hamilton to find
about how your company can
become a sponsor . Why not
share Your Credit Union with
your co-workers?
l
Change the Way You Live ..........................................2
Letter from the Chairman & the President ..................2
FMFCU Awards Scholarship ......................................3
Is Your To Do List Too Long?......................................3
Auto Express Check ....................................................4
Go Platinum & Go First Class! ..................................4
Service Centers............................................................5
Limitations on Savings ....................................6
Congratulations to Contest Winners! ............6
Automatic payment transfers for the purpose of
repaying loans
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers or withdrawals to a third party, if
made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
The Credit Union of Choice!
Darrell Gallagher of West Chester, PA won a
$500 Mobil Gas Card
MONEY
TALKS
Here’s Your Key to
Our Enterprise
One-Day Only
Car Sale
Exclusively for
FMFCU Members!
•
•
•
New Auto Rates
100% financing to qualified members
Up to 60 months to repay
When:
Saturday, September 30, 2000
9 a.m. - 2 p.m. (rain or shine)
Franklin Mint Federal Credit Union parking lot
Where:
1974 Sproul Road, Broomall, PA 19008
(across from Lawrence Park Shopping Center)
Other Important Information:
Member Service Center
(610) 325-5100
† Calls originating outside of
Pennsylvania
MONEY
5 .T.ALKS
...
610-325-5100
Franklin Center Credit Union Branch
U.S. Route One, Franklin Center, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Franklin Mint, Aston Credit Union Branch
105 Commerce Drive, Aston, PA
Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m.
(Closed for lunch 12:45 p.m.-1:30 p.m.)
Wed., 9 a.m.-12:45 p.m.
University Technology Park
1450 Edgmont Ave., Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m.
You, as a member, may make no more than six covered transfers or
withdrawals per calendar month or statement cycle.
Get a fast pre-approval today! Call
(610) 325-5100 or visit our website at
www.fmfcu.org.
Presorted
First-Class Mail
U.S. Postage
Franklin Mint Credit Union Branches/ATMs*
Chester Credit Union Branch/ATM
Marianne Craskey of Darby, PA won a $500
Mobil Gas Card
PSB
92630
State & Olive Streets, Media, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
In your statement of accounts we have sent you information regarding
Regulation D, a federal regulation that limits certain transactions of
savings accounts. You may find the following chart useful in planning
the transactions you do on a monthly basis. This information can also be
found in your initial account disclosures.
Congratulations to Our FMFCU
30th Anniversary Contest Winners!
PAID
Media Credit Union Branch/ATM
1974 Sproul Rd., Suite 100, Broomall, PA
Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m.
Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m.
Sat., 9 a.m.-2 p.m.
Limitations On Savings Deposits,
Transfers and Withdrawals
The Credit Union of Choice!
Village at Painter’s Crossing, West Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m.
Broomall Credit Union Branch/ATM
1974 Sproul Road, Suite 300
Broomall, PA 19008
Chadds Ford Credit Union Branch/ATM
FMFCU delivering Speed,
Service and Convenience
for over 30 years!
What’s new at www.fmfcu.org?
Mortgage Center
Looking for information on Mortgages? Now you can find all you
need to know about Mortgages on FMFCU’s online Mortgage
Center. Our new Mortgage Center was designed to help you make
smart decisions on your next home purchase. The new site is
equipped with information on Mortgage Loan Options, Mortgage
Calculators and a glossary of common Mortgage Terms. But that’s
not all! FMFCU provides you with applications, first time
homebuyer information and credit reports all online!
If you are in the market for a new home or refinancing an existing
mortgage make sure to check out the new Mortgage Center at
www.fmfcu.org!
MasterCard® Account Access
FMFCU now provides access to your MasterCard information
online! View your account balance, payment information, available
credit and a summary of your account transactions, all at
www.fmfcu.org.
All you need is your 16-digit card number, your 5-digit zip code and
3-digit card verification number from the back of your card. Click
on Online Services then MasterCard Account Access and give
it a try today!
News Flash
Want to be the first to hear about new products and services? Sign
up for NEWS FLASH, FMFCU's online information link! What
does this mean? It means you will be the first to know about
upcoming promotions, new products and services, tips to make sure
your getting the most out of your financial institution and what's
happening here at FMFCU. We want NEWS FLASH to give you
access to the information you want and need, so feel free to e-mail
us anytime with suggestions for our next issue. As a member you
can expect to receive NEWS FLASH twice a month via e-mail. If at
any time you want to stop receiving NEWS FLASH follow the link
at the bottom of the page and we will remove you from our list.
COMING
COMING SOON:
SOON:
FMFCU Online Auto Center
610-325-5100
Fall.NL.9.00 9/13/00 1:48 PM Page 1
FMFCU Service Centers & ATM Locations
Taylor Hospital Credit Union Branch/ATM
East Chester Pike, Ridley Park, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Riddle Memorial Hospital Credit Union Branch/ATM
U.S. Route One, Media, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Delaware County Memorial Hospital Credit Union Branch/ATM
501 N. Lansdowne Ave., Drexel Hill, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Fitzgerald Hospital Credit Union Branch/ATM
Lansdowne & Bailey Roads, Darby, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Mercy Suburban Credit Union Branch/ATM
2701 DeKalb Pike, Norristown, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Widener University
One University Place, Chester, PA
Hours vary: Call 610-619-7000 for current hours.
Additional FMFCU ATM Locations
(as of August 31, 2000)
B & S Deli, Chester, PA
Boscov’s, Granite Run Mall
(Lower level entrance near AMC theater), Media, PA
Boscov’s, Plymouth Meeting Mall (Second floor entrance, across
from Double Tree Hotel), Plymouth Meeting, PA
Delaware County Community College, Media, PA
MacDade Mall, Glenolden, PA
Springfield Mall (Upper & lower levels), Springfield, PA
Enterprise Building, West Chester, PA*
Crozer Chester Community Hospital, Chester, PA
* Restricted Access
Mercy Hospital of Philadelphia Credit Union
Branch/ATM
501 S. 54th St., Philadelphia, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Mercy Community Hospital Credit Union Branch/ATM
2000 Old West Chester Pike, Havertown, PA
Mon./Thurs., 10 a.m.-12 p.m.;
Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 12:45 p.m.-1:30 p.m.)
Swarthmore College Credit Union Branch/ATM
500 College Ave., Swarthmore, PA
Hours: Mon., 9 a.m.-12 p.m.
Tues.-Fri., 9 a.m.-3:30 p.m.
(Closed for lunch, 11 a.m.-12 p.m.)
Studio Park Branch/ATM*
1200 Wilson Drive @ Studio Park, West Chester, PA
Hours: Mon - Fri., 8 a.m.-5:30 p.m.
FMFCU offices/branches will be closed for the following holidays:
Columbus Day
Monday, October 9th
Thanksgiving Day
Thursday, November 23rd
Christmas Day
Monday, December 25th
New Year’s Day
Monday, January 1st
No more than three of the covered transfers or withdrawals may be by a
check written by you and payable to third parties.
See below which transfers and withdrawals are covered (and therefore
counted toward the limit) and which are not covered.
COVERED
NON-COVERED
Transfers and Withdrawals
Transfers and Withdrawals
Transfers or withdrawals made to another
account if made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers to a third party, if made by:
•
Check
•
Draft
•
Debit card, or
•
Similar order and payable to third parties
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
E-mail Address
fmfcu@fmfcu.org
PAT (Premier Access Telephone)
(610) 325-5100 / (800) 220-3193 †
Mailing Address:
Franklin Mint Federal Credit Union
P.O. Box 1907
Media, PA 19063-8907
Telecommunication Device (TDD)
for our hearing-impaired members
(610) 325-9557
Web site
www.fmfcu.org
We Do Business in Accordance With the
Federal Fair Housing Law and the
Equal Credit Opportunity Act
This is a publication of
Franklin Mint Federal Credit Union.
Thank you for being a member of Franklin Mint Federal Credit Union
F
a
Transfers from one account to another account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals to you from the account
if made by:
•
Mail
•
Messenger
•
ATM
•
In person
Withdrawals made by telephone via check
mailed to the depositor.
Their names were chosen randomly as part of
FMFCU’s 30th Anniversary Loan and
Certificate promotion!
John Hamilton
610-459-6785
Transfers into the account
l
2
0
0
0
IN THIS ISSUE…
Thomas Fitzpatrick of Broomall, PA won a
eMachine Personal Computer
Does
your current
employer offer credit
union membership as part
of its benefits package? No?
Call John Hamilton to find
about how your company can
become a sponsor . Why not
share Your Credit Union with
your co-workers?
l
Change the Way You Live ..........................................2
Letter from the Chairman & the President ..................2
FMFCU Awards Scholarship ......................................3
Is Your To Do List Too Long?......................................3
Auto Express Check ....................................................4
Go Platinum & Go First Class! ..................................4
Service Centers............................................................5
Limitations on Savings ....................................6
Congratulations to Contest Winners! ............6
Automatic payment transfers for the purpose of
repaying loans
(including those transmitted from a home
computer (Premier Access) and those
automated using a touch-tone telephone (PAT)
Transfers or withdrawals to a third party, if
made by:
•
Preauthorized transfer
•
Automatic transfer
•
By telephone
The Credit Union of Choice!
Darrell Gallagher of West Chester, PA won a
$500 Mobil Gas Card
MONEY
TALKS
Here’s Your Key to
Our Enterprise
One-Day Only
Car Sale
Exclusively for
FMFCU Members!
•
•
•
New Auto Rates
100% financing to qualified members
Up to 60 months to repay
When:
Saturday, September 30, 2000
9 a.m. - 2 p.m. (rain or shine)
Franklin Mint Federal Credit Union parking lot
Where:
1974 Sproul Road, Broomall, PA 19008
(across from Lawrence Park Shopping Center)
Other Important Information:
Member Service Center
(610) 325-5100
† Calls originating outside of
Pennsylvania
MONEY
5 .T.ALKS
...
610-325-5100
Franklin Center Credit Union Branch
U.S. Route One, Franklin Center, PA
Hours: Mon.-Fri., 9 a.m.-3:30 p.m.
Franklin Mint, Aston Credit Union Branch
105 Commerce Drive, Aston, PA
Hours: Mon./Tues./Thurs./Fri., 9 a.m.-3:30 p.m.
(Closed for lunch 12:45 p.m.-1:30 p.m.)
Wed., 9 a.m.-12:45 p.m.
University Technology Park
1450 Edgmont Ave., Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs./Fri., 9 a.m.-5 p.m.; Sat., 9 a.m.-12 p.m.
You, as a member, may make no more than six covered transfers or
withdrawals per calendar month or statement cycle.
Get a fast pre-approval today! Call
(610) 325-5100 or visit our website at
www.fmfcu.org.
Presorted
First-Class Mail
U.S. Postage
Franklin Mint Credit Union Branches/ATMs*
Chester Credit Union Branch/ATM
Marianne Craskey of Darby, PA won a $500
Mobil Gas Card
PSB
92630
State & Olive Streets, Media, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
In your statement of accounts we have sent you information regarding
Regulation D, a federal regulation that limits certain transactions of
savings accounts. You may find the following chart useful in planning
the transactions you do on a monthly basis. This information can also be
found in your initial account disclosures.
Congratulations to Our FMFCU
30th Anniversary Contest Winners!
PAID
Media Credit Union Branch/ATM
1974 Sproul Rd., Suite 100, Broomall, PA
Lobby Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.
Sat., 9 a.m.-12 p.m.
Drive-Through Hours: Mon./Tues./Wed., 8 a.m.-5 p.m.
Thurs., 8 a.m.-6 p.m.; Fri., 8 a.m.-7 p.m.
Sat., 9 a.m.-2 p.m.
Limitations On Savings Deposits,
Transfers and Withdrawals
The Credit Union of Choice!
Village at Painter’s Crossing, West Chester, PA
Hours: Mon./Tues./Wed., 9 a.m.-3:30 p.m.
Thurs., 9 a.m.-6 p.m.; Fri., 9 a.m.-7 p.m.; Sat., 9 a.m.-12 p.m.
Broomall Credit Union Branch/ATM
1974 Sproul Road, Suite 300
Broomall, PA 19008
Chadds Ford Credit Union Branch/ATM
FMFCU delivering Speed,
Service and Convenience
for over 30 years!
What’s new at www.fmfcu.org?
Mortgage Center
Looking for information on Mortgages? Now you can find all you
need to know about Mortgages on FMFCU’s online Mortgage
Center. Our new Mortgage Center was designed to help you make
smart decisions on your next home purchase. The new site is
equipped with information on Mortgage Loan Options, Mortgage
Calculators and a glossary of common Mortgage Terms. But that’s
not all! FMFCU provides you with applications, first time
homebuyer information and credit reports all online!
If you are in the market for a new home or refinancing an existing
mortgage make sure to check out the new Mortgage Center at
www.fmfcu.org!
MasterCard® Account Access
FMFCU now provides access to your MasterCard information
online! View your account balance, payment information, available
credit and a summary of your account transactions, all at
www.fmfcu.org.
All you need is your 16-digit card number, your 5-digit zip code and
3-digit card verification number from the back of your card. Click
on Online Services then MasterCard Account Access and give
it a try today!
News Flash
Want to be the first to hear about new products and services? Sign
up for NEWS FLASH, FMFCU's online information link! What
does this mean? It means you will be the first to know about
upcoming promotions, new products and services, tips to make sure
your getting the most out of your financial institution and what's
happening here at FMFCU. We want NEWS FLASH to give you
access to the information you want and need, so feel free to e-mail
us anytime with suggestions for our next issue. As a member you
can expect to receive NEWS FLASH twice a month via e-mail. If at
any time you want to stop receiving NEWS FLASH follow the link
at the bottom of the page and we will remove you from our list.
COMING
COMING SOON:
SOON:
FMFCU Online Auto Center
610-325-5100