afreegift - APG Federal Credit Union

WHAT OUR MEMBERS ARE SAYING...
“My wife and I were paying the minimum payment of $317
on our credit cards. APGFCU suggested a consolidation
loan to pay them off. Our monthly payment dropped to
$238, saving us $80 a month!”
Actual APGFCU member experience
A PRIL 2011
BU ILDIN G STRONG FAMILIES FOR A STRONG ER COMMUNIT Y
Open a new
Youth Account
We’ll match your opening
deposit up to $25*
Plus, all new and
existing account holders
can stop in a branch and
receive
a free gift
(while supplies last)
Stop in one of our ten
convenient branch locations,
visit APGFCU.com, or call
410-272-4000, and press four.
*Deposit bonus paid on accounts opened from
April 1-30, 2011. $5 minimum to open a savings
account for new members. Bonus of up to $25,
paid at time of account opening, will be
deposited into savings account and must
stay in the account for 90 days. We may
report to the IRS the value of any cash
bonus and any applicable taxes
are the responsibility of
the recipient.
Make your money rock @ APGFCU
FREE
Workshops
Healthy Credit Habits
Tuesday, April 12, 2011
6:00 p.m. – 8:00 p.m.
Harford Habitat for Humanity Offices
205 Hays Street, Bel Air, MD 21014
Credit, it’s hard to get through life
without it. We’ll help you:
• establish and maintain good credit.
• strengthen and rebuild your credit.
• review your credit report and credit
scores.
• find out how you can get your free
credit report.
Reserve your space today!
Call 410-612-2361 or email
workshopRSVP@apgfcu.com.
APGFCU also offers free online
workshops. Visit APGFCU.com, under
News & Events.
1% Cash Rebate
on balance transfers*
Gather your high
interest credit
cards, department
store credit cards
and your other
bills, and
consolidate
everything on your
new APGFCU Visa® credit card. You’ll
receive a 1% CASH REBATE* for your
balance transfer and the peace of mind
of a low-interest-rate credit card!
Most credit card companies charge their
customers a percentage to transfer a
balance, but APGFCU pays you! There’s
absolutely no fee for this service and no
annual fee for our cards.
Transfer today and start saving right
away. Apply 24/7 at APGFCU.com, under
Loans & Visa, call 410-272-4000, press
four, or stop in any branch.
*Balance transfer rebate offered on first two
transfers, per card, per year.
LowerYour Car Payment
Need a loan for a new or pre-owned vehicle?
APGFCU also offers low, competitive rates on new
loans. You could apply for a loan and drive off in
your new vehicle on the same day. Ask the dealer
for APGFCU financing, or call us to apply for a loan
right over the phone.
Ask us how much you can save. Call
410-272-4000, press four, or stop in. Apply 24/7
at APGFCU.com, under Loans & Visa.
Refinancing your vehicle is a great way to lower
your monthly payments and save money.
Financial Fitness Program
Free and
Confidential
Need help achieving your financial
goals, but don’t have time to
come in to a branch?
BALANCE™ offers free, unbiased
information and assistance to APGFCU
members. Certified BALANCE counselors
can answer your questions over the
phone or online confidentially, including
questions about:
• understanding your credit report
• how to buy a house or car
• managing your bills and budget
• and more
To use the free services, call
1-888-456-2227 (toll-free),
or visit APGFCU.com, under
Advice & Education.
ave Money with BUY LOCAL
We’re bringing you more value and helping you save more
money with an EXCLUSIVE discount program through local
merchants. APGFCU members can save on:
Child Care | Entertainment | Health & Beauty | Florists
Food & Beverage | Home & Garden | Fitness | And more!
BUY LOCAL It’s the most effective way to
keep your money in the community and support
neighborhood businesses. Visit APGFCU.com for a
complete list of discounts.
Meet our
newest partners!
Accurate Accounting
Chiapparrelli’s
Restaurant
Peace of Mind
Home Inspection
Nathaniel’s Story
Nathaniel is an actual APGFCU member and his story is factual.
Put your home’s
equity to work
A home equity loan or line of credit
can help you get the cash you need for
the things you want. We offer flexible
payment options, no closing costs and
no surprises — so you can easily
budget your payments each month.
Nathaniel and his wife recently bought
a house and are expecting their first
child. They had eight credit cards bills,
two monthly car payments, and bills
left from recent home improvements.
Like a lot of people, they were
struggling to pay bills and were
looking for ways to save money.
One day, Nathaniel stopped in to ask
about how he could lower some of his
credit card interest rates that were as
high as 26%.
We showed Nathaniel how he could
save time and money by consolidating
his bills into one low monthly payment.
And, how he could develop a financial
plan to help him and his wife manage
their money better. *
*See Balance article on page 2.
When we consolidated Nathaniel’s
high-interest auto and credit card
loans into one low rate, we saved
him $210 a month. And, it included
credit life and disability insurance,
which he didn’t have before.
Now, they have only one bill to pay
each month, so they can spend more
time preparing for the arrival of their
baby. And, they have more money to
buy diapers!
We saved Nathaniel $210 a month.
Ask us how much you can save.
Call 410-272-4000, press four, or
stop in.
Use your home’s equity to pay for:
• Tuition
• Energy-efficient appliances
• Bill consolidation
• Home improvement
• and more.
Plus, with an APGFCU home equity
loan, you may be entitled to exclusive
rewards including a cash rebate
of $100.
We’ll help you find your best option.
Stop by our Home Loan Center at
321 Main Street in Bel Air, visit
APGFCU.com, under Mortgages, or
call 1-888-LOAN-391.
ABBY PIN is now
eServices PIN
Each member experience is unique. Your
savings and interest rate may be different
based on individual circumstances.
How much did you save when
you refinanced your loans with APGFCU?
Did APGFCU help save you money when you refinanced your auto loan,
mortgage or credit cards? We want to hear your savings story.
Share your savings story and get a free gift.
Mail your story to:
Marketing Department, APGFCU
P.O. Box 1176
Aberdeen, MD 21001
Or, just drop it off at any branch location. Thank you!
Only the name has changed.
The ABBY Personal Identification
Number (PIN) has a new name.
It’s now the “eServices PIN.” You will
use the same PIN you have been
using to access Telephone Teller,
Mobile Banking, or Online Banking.
So, how does this change affect you?
Not much. We will now ask for your
eServices PIN instead of your Abby
PIN when you login to any electronic
or “e” service.
Play Ball!
A CALL TO
Free baseball and softball youth
tournament at Ripkin Stadium
APGFCU Baseball & Softball Invitational
When: Saturday, August 6, 2011
Where: Ripken Youth Baseball Academy,
home of the Aberdeen Ironbirds.
On August 6, 2011, APGFCU will host our annual community invitational
tournament for youth baseball and softball teams.The day-long event is free
and we're looking for participants.
Do you know a local team that would like to play at Ripkin Stadium?
If yes, please email us at playball@APGFCU.com.
To qualify, teams must be:
11/12 ages
Registered in Harford or Cecil County
It's first-come, first-served. Requests are due Tuesday, May 31, 2011.
FAMiLY FUN
at the Bel Air Kite Festival
APGFCU will sponsor free kites* at the Bel Air Kite
Festival at Rockfield Park on Saturday, April 16.
Rain or shine! Kites of all shapes and sizes, from the
traditional to the exotic, will set the skies ablaze. And,
there will be great music and food for purchase! The free festival is
open to the public, 10:00 a.m. – 4:00 p.m.
*While supplies last.
See you at the 2011 Annual Meeting!
✁
Wednesday, April 20, 2011
Doors open at 5:00 p.m.
Meeting begins at 6:00 p.m.
Richlin Ballroom
Edgewood, Maryland
We will officially swear in the new board directors,
as well as review and distribute the annual financial
reports. Experience the “credit union difference” and
be a part of the cooperative process. There will be
refreshments and prizes, too.
Q&A Submission for 2011 Annual Meeting
Want to ask your Board a question? If you feel many members could benefit from
having your question answered from the podium, please write it down on the
form below and hand it to any APGFCU staff member BEFORE 5:45 p.m. We will
address as many questions as time allows. If your question cannot be immediately
answered, we will research the matter and contact you following the meeting.
Question:
Name (optional)
Telephone (optional)
Share the Rewards of Credit Union Membership. Tell your family,
friends, and co-workers they can JOIN ONLINE at APGFCU.com.
Mailing Address
P.O. Box1176, Aberdeen, MD 21001-6176
Online Banking
www.APGFCU.com
Mobile Banking
Mobi.APGFCU.com
Phone Banking/Teléfono Bancario
410-272-4000, press 2
1-800-225-2555, press 2
Loan Applications
www.APGFCU.com
410-272-4000, press 4
1-800-225-2555, press 4
Member Service Center
Mon-Fri 8:00 am-8:00 pm EST
Sat 9:00 am-1:00 pm EST
410-272-4000, press 4
1-800-225-2555, press 4
TTY: 1-800-811-4888
Home Loan Center
321 S. Main St., Bel Air
Mon-Fri 8:30 am-5:00 pm EST
1-888-LOAN-391 (1-888-562-6391)
BALANCESM Financial Fitness
FREE Financial Management Advice
Toll Free: 888-456-2227
www.balancepro.net
Branch Locations
ABERDEEN
Beards Hill Rd. & Rt. 22
AMYCLAE
1200-A Agora Dr., Bel Air
APG
Chesapeake Ave. & Oakington St.
BEL AIR
321 S. Main St.
EDGEWOOD
1321 Pulaski Hwy.
ELKTON
1204 E. Pulaski Hwy.
FOREST HILL
2010 Rock Spring Rd.
HAVRE DE GRACE
1045 Pulaski Hwy.
LAUREL BUSH
2113 Laurel Bush Rd., Bel Air
NORTH EAST
1975 West Pulaski Hwy.
ABA Routing & Transit Number
255075576 - Supply this number to arrange
Electronic Fund Transfers
Operating Statistics As of February 28, 2011
Assets .. ... ... .... .... ..... ... . $840,732,034.59
Shares . .... .... ... .... .... ... .. $750,879,938.90
Loans ... .... .... .... ... ... ..... $556,409,749.56
Members . ..... ... .... ... ... ... .. . . . ... . .. . .9 0 ,9 6 0
APGFCU is not affiliated with any non-APGFCU Internet sites
listed in this newsletter. These sites are provided as reference only.
APGFCU makes no representations about the content on these
sites or subsequent links from those sites.
EQUAL HOUSING
LENDER
GetYour APGFCU Car Loan at the Dealer
APGFCU has partnered with the following participating dealerships to offer you credit union financing right in their showroom.
It’s simple for you and the dealer to use. Follow these easy steps.
1. Decide on the make and model of the vehicle you want.
2. Visit a participating dealership and negotiate the price. Don’t forget
to take advantage of any available rebates or discounts.
3. Identify yourself as an APGFCU member.
4. Apply for a low rate credit union auto loan right at the dealership.
Insist on your APGFCU financing.
Once you’re approved, the dealer will complete the paperwork
and send it to us for funding. You simply drive away in your new
car, truck, or van.
Adams Chevrolet
1517 Pulaski Highway
Havre de Grace, MD 21078
410-939-225
Bel Air Honda
1800-A Bel Air Road
Fallston, MD 21047
410-893-0600
Carman Ford, Inc.
193 South DuPont Highway
New Castle, DE 19720
302-323-2300
Enterprise Car Sales
10825 Pulaski Highway
White Marsh, MD 21162
410-335-5628
Adams Jeep of Maryland
3485 Churchville Road
Aberdeen, MD 21001
410-879-5800
Bel Air Subaru
1506 Belair Road
Bel Air, MD 21014
410-879-1133
Carman Lincoln Mercury
189 South DuPont Highway
New Castle, DE 19720
302-324-4400
Frankle Acura
10400 York Road
Cockeysville, MD 21030
410-666-5300
Adams Suzuki
2203 Bel Air Road
Fallston, MD 21047
410-877-8700
BMW of Bel Air
1705 Conowingo Road
Bel Air, MD 21014
443-640-1000
Chesaco RV
911 Pulaski Highway
Joppa, MD 21085
410-679-0000
Frankel Land Rover
10260 York Road
Hunt Valley, MD 21030
410-666-6060
Al Packer Ford White Marsh
9801 Pulaski Highway
Baltimore, MD 21220
443-777-5000
BMW of Towson
700 Kenilworth Drive
Towson, MD 21204
410-296-7900
Chesapeake Cadillac-Jaguar
10240 York Road
Cockeysville, MD 21030
410-666-6000
Heritage Cadillac
716 Bel Air Road
Bel Air, MD 21014
410-838-8787
Anchor Buick/GMC
1 Automotive Boulevard
Elkton, MD 21821
410-398-0700
Bill Kidds Toyota/Volvo
10401 York Road
Cockeysville, MD 21030
410-666-8900
Chesapeake Harley-Davidson
4600 Thunder Court
Darlington, MD 21034
410-457-4541
Heritage Chevrolet/Buick
11234 Reisterstown Road
Owings Mills, MD 21117
410-356-2277
Anderson Automotive Group
115 W. 25th Street
Baltimore, MD 21211
410-554-1547
Bob Bell Chevrolet of Bel Air
1230 Bel Air Road
Bel Air, MD 21014
410-879-2544
Cook Motorcars
1136 S. Philadelphia Boulevard
Aberdeen, MD 21001
410-272-1500
Heritage Chrysler/Jeep/Dodge
9210 Harford Road
Baltimore, MD 21234
410-661-3400
Anderson Honda
15 W. 25th Street
Baltimore, MD 21211
410-554-1556
Boyle Buick/GMC
3115 Emmorton Road
Abingdon, MD 21009
410-569-1800
Cook Volkswagen of Bel Air
2100 Bel Air Road
Fallston, MD 21047
410-877-1500
Heritage Chrysler/Jeep/Dodge
11212 Reisterstown Road
Owings Mills, MD 21117
410-356-2277
Anderson of Hunt Valley
10139 York Road
Cockeysville, MD 21030
410-666-7966
Brooks Ramsey RV
11345 Pulaski Highway
White Marsh, MD 21162
410-335-1502
Days Truck Center
1018 Pulaski Highway
Joppa, MD 21085
410-679-5472
Heritage Honda
9213 Harford Road
Baltimore, MD 21234
410-882-3000
Auto Werkes Inc
1909 Belair Road
Fallston, MD 21047
410-803-8555
Carman Chrysler/Jeep/Dodge
196 South DuPont Highway
New Castle, DE 19720
302-323-1666
Don White Timonium
Chrysler/Jeep/Dodge
10300 York Road
Cockeysville, MD 21030
410-666-9600
Heritage Mazda
710 Bel Air Road
Bel Air, MD 21014
410-878-7300
Heritage Mazda Owings Mills
11212 Reisterstown Road
Owings Mills, MD 21117
410-356-2277
Keene Dodge/Chrysler/Jeep
3707 Norrisville Road
Jarrettsville, MD 21084
410-557-8002
Norris Nissan West
8569 Baltimore National Pike
Ellicott City, MD 21043
410-465-5550
Sheridan Ford Sales
4001 Kirkwood Highway
Wilmington, DE 19808
302-999-0261
Heritage Subaru Volkswagen
9808 Reisterstown Road
Owings Mills, MD 21117
410-363-8300
Koons Chevrolet
10207 Philadelphia Road
Baltimore, MD 21162
410-931-8600
Nu Car Connection
147 N. DuPont Highway
New Castle, DE 19720
302-322-2438
Sheridan Nissan LLC
114 South DuPont Highway
New Castle, DE 19720
302-326-6100
Heritage Volkswagen
9219 Harford Road
Baltimore, MD 21234
410-661-3400
Leos Vacation Center – RV
729 MD Rt. 3 North
Gambrills, MD 21054
Nu Car Buick/GMC
250 E. Cleveland Avenue
Newark, DE 19771
302-738-6161
Thompson Chrysler/Jeep/Dodge
1102 Pulaski Highway
Edgewood, MD 21040
410-679-1400
Paradise Motors of Elkton
929 W. Pulaski Highway
Elkton, MD 21921
410-620-9800
Thompson Chrysler/Jeep/Dodge
124 Old North Point Boulevard
Baltimore, MD 21224
410-288-3100
Petes Cycle – Baltimore
7511 Bel Air Road
Baltimore, MD 21236
410-663-8556
Thompson Hyundai
1307 Merritt Boulevard
Baltimore, MD 21222
410-288-5700
Petes Cycle – Bel Air
344 Bel Air Road
Bel Air, MD 21014
410-879-3586
Thompson Kia
2001 Bel Air Road
Fallston, MD 21047
410-877-1700
Plaza Ford
1701 Bel Air Road
Bel Air, MD 21014
410-838-3100
Thompson Mazda
1000 Merritt Boulevard
Baltimore, MD 21222
410-282-6300
Ramsey Ford of Elkton
560 E. Pulaski Highway
Elkton, MD 21921
410-398-3600
Thompson Toyota/Scion
1101 Business Center Way
Edgewood, MD 21040
410-679-1500
Ramsey Ford/Lincoln
1233 Telegraph Road
Rising Sun, MD 21911
410-658-4801
Williams Chevrolet
2 Automotive Boulevard
Elkton, MD 21921
410-398-4500
Russell BMW
6700 Baltimore National Pike
Baltimore, MD 21228
410-744-2000
Williams Family Automotive
3 Automotive Boulevard
Elkton, MD 21921
410-398-7770
Hinder Ford
505 Philadelphia Boulevard
Aberdeen, MD 21001
410-272-2200
J P Chevrolet
101 N. Philadelphia Boulevard
Aberdeen, MD 21001
410-272-0300
Jerry’s Chevrolet
1940 E. Joppa Road
Baltimore, MD 21234
410-661-9100
Jerry’s Imports
1906 E. Joppa Road
Baltimore, MD 21234
410-661-9100
Jerry’s Toyota
8001 Bel Air Road
Baltimore, MD 21236
410-661-5700
Jones Chrysler/
Toyota/Jeep/Dodge
1510 Bel Air Road
Bel Air, MD 21014
410-878-6400
Jones Nissan/Hyundai
1506 Bel Air Road
Bel Air, MD 21014
410-877-8111
Jones Used Cars
1413 Bel Air Road
Bel Air, MD 21014
410-879-6400
Lexus of Towson
1040 York Road
Towson, MD 21204
410-769-9400
Martin Honda
298 E. Cleveland Avenue
Newark, DE 19771
302-738-5200
Martin Mazda
298 E. Cleveland Avenue
Newark, DE 19771
302-738-5200
Matt Slap Subaru
255 E. Cleveland Avenue
Newark, DE 19771
302-453-9900
MINI of Baltimore County
9804 Reisterstown Road
Owings Mills, MD 21117
410-296-6464
Norris Acura West
8559 Baltimore National Pike
Ellicott City, MD 21043
410-467-7000
Norris Ford
901 Merritt Boulevard
Dundalk, MD 21222
410-285-0200
Norris Honda
925 Merritt Boulevard
Dundalk, MD 21222
410-285-0600
Visit the Auto Center at www.APGFCU.com
• View a current list of participating dealers.
• Apply for your next vehicle loan.
• “Build” your perfect car online and see how it compares in cost.
• Check current loan rates.
• Use our calculators to figure out your payments.
• Check out other great tools to make car buying easier.
Russell Toyota
6324 Baltimore National Pike
Baltimore, MD 21228
410-788-8400
Call 1-800-225-2555
Click www.APGFCU.com
Come by 10 Convenient Branches