Q T UARTERLY IMES

A Quarterly Publication for Members of Bulldog Federal Credit Union
Spring 2013
QUARTERLY TIMES
www.bdfcu.com
Don’t get “phished.” We never initiate e-mails requesting sensitive account info.
Inside this issue:
An Amazing Deal is Yours
for the Taking!
Get Back on Track with
GreenPath Debt Solutions
AUTO
LOAN
SALE
page 2
Smithsburg Branch to Close
page 2
Refund Checks Cashed for
Members Only
page 2
Board Members to be Installed at Annual Meeting
page 2
Scholarship Apps. Due
page 2
Sign up for Free e-Statements
page 3
Inactive Bill Pay Accounts
Closed
page 3
Contest Winners Announced
page 3
Rates, Holidays, Contacts
page 4
Washington County’s Premier
Community Credit Union
Bulldog Federal
Credit Union
Get out and kick some tires, then kick high-rate financing to the side of the
road because we’ve got the cure for your Spring car fever. For a limited time, get
unbelievably low rates and 100% financing on just about any new or used vehicle!
Not sure what you want? Take advantage of amazingly low rates and get pre-approved before you shop. You’ll be in the driver’s seat when it’s time to make a deal.
Move your loan and save! With rates this
low, you’ll be able to reduce your monthly
payment and save hundreds when you refinance with us during the Auto Loan Sale.
Time for a toy? Get special limited-time
rates plus 100% financing on a new or used
motorcycle, boat, or RV, too!
Got problem credit? No problem! With
rates and terms to suit just about everyone, we may be able to put you behind the
wheel for less than you think! Let us show
you how we can help.
AUTO
RATES
AS LOW AS
1¾
%*
APR
any term up to
84 months!
Apply today! Apply anytime online at bdfcu.com, or by phone at 1-800-9435568. Or stop by any branch for more details. Hurry, the Auto Loan Sale ends
soon so apply now!
Variable annual percentage rate for new or used cars, trucks, and SUVs. Promotional fixed rates also available. Rates
based on credit history; yours may be higher. See website for promotional rates for new/used boats, motorcycles, and
RVs. Available only for members who qualify with approved credit. Minimum loan $7500; new money only. 84-month
term on loans of $25,000 or more. Offer available 4/1/13 through 8/31/13.
*
Now Help is Here When You Need it!
New Service Helps You Get
Back on Track for Free!
Concerned about debt? Looking for a smarter way
to manage your money? Put yourself on the path to
a brighter financial future with GreenPath, a nonprofit company that’s been helping people reach
their financial goals since 1961.
GreenPath’s certified, professional financial counselors will assess your household income and expenses,
find places for you to save, and develop a customized budget and action plan…for FREE!
Bulldog members have free access to GreenPath’s money management and
financial education services, including:
•
•
•
•
•
Personal and family budgeting
Understanding your credit report and how to improve your score
Debt repayment
Avoiding bankruptcy,
foreclosure, and repossession
Housing issues including
reverse mortgages and foreclosure prevention
Depending on your situation, you may be eligible for a debt management
program that will help you manage ALL of your debt, not just credit card debt.
GreenPath’s experts can work out repayment plans that may eliminate collection calls, reduce interest, and eliminate fees.
Put yourself on the path to a healthy financial future. Visit www.greenpathref.
com or call toll-free today 877-337-3399.
Scholarship
Applications Due
Applications are due by
April 26 for the BFCU
$500 scholarship.
Applications are
available at each branch,
at most area high school
guidance offices, and at
bdfcu.com. Scholarships
will be awarded by May 6.
Effective May 31, you will no longer be able to send
international wires.
Smithsburg Branch
to Close Soon
The branch inside the AC&T at
22507 Jefferson Boulevard, Smithsburg, will close May 15. We regret
the inconvenience this will cause
our Smithsburg-area members.
Tax Refund Checks
Cashed for Members
Only
We process federal and state income
tax refund checks for members only.
If the check is issued in two names
and only one is a member or joint
owner, it must be personally endorsed by all parties in the presence
of a Member Service Rep. Photo
ID is required. State refund checks
must be endorsed by all parties even
if they are for deposit only.
Attention Mortgage Holders
Bring Us Your Tax Bills
Bring us your tax bills if we escrow
for your city, county and school
taxes. We can’t pay your taxes for
you if we don’t have the bills!
Board Members To
Be Installed at Annual
Meeting
You are cordially invited to attend
Bulldog Federal Credit Union’s
Annual Business Meeting, Tuesday,
April 23, at 5:30 p.m. at the Morris
Frock Post No. 42 American Legion
on Northern Avenue, Hagerstown.
Two incumbent directors will be
installed on the board of directors
during the meeting. They include
Joyce Stanley and Michael Spain.
Our thanks go to these dedicated
volunteers who generously give their
time and expertise in the service of
our Credit Union.
Don’t Use it? You’ll Lose it!
Inactive Bill Pay
Accounts Closed
Online bill pay saves you time and
money by allowing you to pay up to
10 bills per month quickly and easily
for free (nominal fee applies for bills
over 10 per month). However, it’s not
free for us to provide it to you. So that
we can continue to offer this valuable
service for free to active users, we will
close any bill pay account that is inactive for 6 consecutive months. Don’t
lose your bill pay privileges. Keep your
account active and save by paying all
your bills online.
Statement Fee Deadline Nears;
Sign up for Free e-Statements Now!
The July 1 deadline is fast approaching for the implementation of the new $2
paper statement fee for members age 18-65. Avoid the fee with free e-Statements. Signing up is easy:
• Got to www.bdfcu.com and click the “Get your statement online”
link in the middle of the page.
• Stop by any branch.
• Fill out the form below and return it to us before July 1.
You’ll be notified by e-mail, usually on the first day of the month, when your
e-Statement is ready. Then just follow the link in the e-mail to log into the
secure site to view your statement. You can log in anytime using the link on
our website, then just bookmark the site in your favorite browser. It’s easy,
secure and free. Enroll today.
By applying for an e-Statement PIN, I agree to access my monthly and/or quarterly
statement electronically. I understand that I will no longer receive a printed statement through the mail. BFCU will provide me with the ability to view my statements
electronically; however, it is my responsibility to view, print, and/or save my statement for future reference. The secure site has the ability to store up to 24 months
of my electronic statement history. If my e-mail address changes, I will notify the
Credit Union immediately. It is my responsibility to examine my statement with
reasonable promptness. If I notice any errors or unauthorized activity, I must notify
the Credit Union within 60 days of receipt of the first statement on which the error
appeared. Should I discover an error, I will follow the procedures outlined on the
reconcilement form also provided electronically with my statement.
Congratulations
Contest Winners!
We extend belated congratulations
to the 2012 Junior Connection Club
holiday stocking contest winners
whose names were chosen too late to
make it into the Winter newsletter.
Nichole Sottile and Adam Baker won
giant toy-filled stockings. And Kayla
Keplinger and Kameron Hollinger
won $20 Visa® gift cards.
If you have children between the ages
of 5 and 12, enroll them in the Junior
Connection Club. They'll earn gifts
as they learn the value of regular saving. Kids from birth to age 4 can join
Kids ‘R Members
Too. We’ll give
them $5 to open
their account and a
free piggy bank.
Stop by any
branch to get your kids on the road
financial independence!
‰ I agree to these terms and conditions.
I will receive a PIN by mail. PINs are not kept on file at the Credit Union. If I
forget my PIN, I will contact the Credit Union for a new one.
Member Name:
Joint Account Holder (if any):
Account # (list all accounts to receive e-Statements):
SSN:
DOB:
Signature:
Address:
City/State/Zip:
Daytime phone:
e-mail address:
Mail to: BFCU, 580 Northern Ave., Hagerstown, MD 21742
as of Mar. 31, 2013
Loan Rates & Terms
APR
FIXED
Secured*
up to 24 mos.
25-36 mos.
37-48 mos.
49-60 mos.
61-84 mos.
Share Certificate
Secured
Up to 90% of face amt.
Signature
Home Equity
as low as 5.00%
as low as 5.25%
as low as 5.50%
as low as 5.75%
as low as 6.00%
The daily periodic rate and
corresponding APR will be
2% above the rate paid on the
pledged CD.
as low as 11.75%
as low as 6.00%
VARIABLE
APR
Secured*
up to appx. 48 mo.
49 to appx. 84 mo.
as low as 6.00%
as low as 6.00%
Signature
as low as 6.00%
2.05%
Share Secured
8.25%
Overdraft Protection
Call for rates
First Mortgage
as low as Prime+0%
Home Equity
call us
VISA
Share Account
Min. Balance
$25
Regular Share
Christmas/Vacation Club none
none
Share Draft
Money Market Share
under $2000
$2000 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 and over
Main Office
580 Northern Avenue
Hagerstown, MD 21742
301/797-6318
fax (240)420-2000
York Road Branch
17555 York Road
Hagerstown, MD 21740
Dual Highway Branch
1240 Dual Highway
Hagerstown, MD 21740
Rates/terms subject to change without notice. Offered to those who qualify with approved credit.
* Secured rates are non-promotional. Extended terms available based on amount financed.
Saving Rates & Terms
Contact BFCU
as of Mar. 31, 2013
The Centre at Hagerstown
APR
APY
17990 Garland Groh Blvd.
Hagerstown, MD 21740
0.050%
0.050%
0%
0.05%
0.05%
0%
Smithsburg AC&T
0.050%
0.100%
0.200%
0.300%
0.350%
0.450%
0.05%
0.10%
0.20%
0.30%
0.35%
0.45%
APY is annual percentage yield. For more information about account terms and conditions and Truth-In-Savings disclosures,
please call the Credit Union. Rates subject to change. Call for current APRs/APYs.
22507 Jefferson Blvd.
Smithsburg, MD 21783
Sharpsburg Pike Branch
10306 Remington Dr.
Hagerstown, MD 21740
Website/Internet Banking
www.bdfcu.com
e-mail
info@bdfcu.com
Find
F
ind Yoour
ur B
Balance
alance
Routing Number
2550-7751-6
MOBILE
BANKING
K-9 Line 24-hr. telephone access
(301)797-4755
1-888-K9LINE9
Lost/Stolen Visa Debit Card
1-800-523-4175 after hours
Download the free iPhone or
Android smartphone app!
Visa Debit Card Activation/PIN
1-866-985-2273
Holiday
Closings
Monday, May 27
Memorial Day
Thursday, July 4
Independence Day
CU At A Glance
Assets
$126,620,761
Loans
$44,408,574
Shares
$106,900,635
Members
22,347
ClockWISE Credit 24-hr. loans
1-800-943-5568
Hours (all branches-same schedule)
Lobby
Mon. - Thurs.: 9:00 A.M. - 5:00 P.M.
Fri.: 9:00 A.M. - 7:00 P.M.
Drive-Up
Mon. - Wed.: 9:00 A.M. - 6:00 P.M.
Thurs. - Fri.: 9:00 A.M. - 7:00 P.M.
Sat.: 9:00 A.M. - 2:00 P.M.