SUMMER 2010 College is a big investment. But don’t worry‚

SUMMER 2010
College is a big investment. But don’t worry‚
Susquehanna Valley FCU is here to help
with private student loans. These private
loans are designed to bridge the gap
between federal funding and the full
cost of the education.
•••••••••••••••••••••••••
SVFCU’s private loans offer:
Competitive interest rates —
and rates can go even lower
with good grades
1% interest rate reduction once you repay 10% of the loan
30-day no-fee return policy
No cosigner required for juniors and seniors — creditworthy students can apply on their own
Zero fees for borrowers who opt for interest-paid repayment option
•••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••
The loan can be used to pay for qualified education expenses‚ including tuition‚ room
and board‚ books or a computer. Full interest and principal payments are deferred
until 6 months after graduation and the repayment period is up to 10 years.
Borrow as little as $2‚500 or as much as $30‚000 per academic year.
Get started today!
Apply online at svfcu.org.
Visit SVFCU on
SVFCU has joined Facebook!
Visit our page to be among the first to learn of events like our
Enterprise Car Sale or Photos with Santa. In addition, we’ll post our
special rates, Facebook-only promotions and contests.
We want to hear from our members. Comment on our posts
and answer our questions and you could win prizes.
See you online!
Sign Up for
SVFCU’s online banking service offers free account alerts! With a simple setup,
you can receive an e-mail alert for most any account activity that you select.
Some sample alerts include when:
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receive
To sign up for account alerts, log on to online banking. Click the Self Service tab,
and choose Account Alert under “Alerts”.
Alerts will be sent to the e-mail address that is on file for your online banking profile. To verify or change this e-mail address
in the online banking system, click the Self Service tab, and choose Personal Information under “Personal Options”.
All it takes is just one look! Visit us online at svfcu.org today!
Member Business Spotlight
FINANCIAL
PLANNING
Susquehanna Valley FCU’s Member Business Directory is
a list of businesses owned or operated by SVFCU
members. In many cases, the businesses offer discounts
or specials to fellow SVFCU members. This quarter’s
member business spotlight is on:
Do You Need
Long-Term Care
Insurance?
Gregory J. Arendacs, D.M.D
If you’re one of the millions of baby boomers preparing
for retirement, looking into long-term care (LTC)
insurance should be near the top of the planning “to
do” list. According to a study by the U.S. Department of
Health and Human Services, people who reach age 65
will likely have a 40 percent chance of entering a
nursing home. With the population generally living
longer, the need for LTC and protection from the burden
of its high costs is a distinct possibility in the future.
79 Cedar Avenue
Hershey, PA 17033
Phone Number: 717-533-8897
Products or Services Offered: General and family
dentistry
Special Offer for SVFCU Members: 10% discount
Little Hannah Is
a Big Winner!
When Hannah visited SVFCU
during Youth Week in April,
she thought she was
walking away with stamps
on her Stars & Stripes Kids
Club card, a Rice Krispies
treat and a bottle of
bubbles. But she later
learned that she was one of
only ten national Youth
Week savers to win $100!
Congratulations, Hannah!
CORNER
LTC includes a variety of services, including medical and
non-medical care for people who have a chronic illness
or disability. LTC is frequently associated with the elderly,
but accidents and illness can put even children in the
position of needing care.
The 2009 national yearly room rate in a nursing home
facility ranges from $72,270 to $79,935 (semi-private to
private room). Generally, Medicare pays only for
medically necessary skilled nursing facility or home care
for a limited number of days, leaving the patient
responsible for the majority of the cost. With this risk left
unmanaged, prolonged care may exhaust a large
portion of one’s life savings. That’s why it is important
to consider incorporating LTC options into your longterm financial plan.
Visit us online at svfcu.org
Speak to a Representative (717) 737-4152
1-800-948-1454 toll-free • (717) 737-0589 fax
3850 Hartzdale Drive
Camp Hill, PA 17011
339 East Park Drive
Harrisburg, PA 17111
Office Hours
M–F: 9:00 a.m.–5:30 p.m.
Sat: 9:00 a.m.–Noon
Drive-Up Hours
M–W: 8:30 a.m.–5:30 p.m.
Th–F: 8:30 a.m.–6:00 p.m.
Sat: 8:30 a.m.–Noon
Drive- & Walk-Up Hours
M–Th: 8:30 a.m.–5:30 p.m.
F: 8:30 a.m.–6:00 p.m.
Sat: 8:30 a.m.–Noon
Holiday Closings
Monday, September 6 — Labor Day
Monday, October 11 — Columbus Day
Telephone Account Access: 737-1741 or 1-888-212-1635
After Hours Lost / Stolen Credit Card: 1-800-991-4961
After Hours Lost / Stolen ATM / Debit Card: 1-800-554-8969
Routing Number: 231382568
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the
United States Government National Credit Union Administration, a U.S. Government Agency
designed & printed by visions, ink. 300871 6/10
How can you incorporate LTC insurance planning
into your financial plan? Ask Steve Brindamour,
our Investment Representative. Call 717-737-4152,
ext. 126, or e-mail him at SteveB@svfcu.org.
3850 Hartzdale Drive
Camp Hill, PA 17011
Sign Up for
FREE
Account Alerts!
See inside for details.
All it takes is just one look! svfcu.org
SVFCU is hosting another vehicle sale! Enterprise Car Sales will bring its great selection of pre-owned cars,
trucks and SUVs to our Camp Hill office September 10-11. For this sale only, we’re offering rates as low as
4.50% APR*. In addition, Enterprise will deposit $350 to the share savings account of anyone who buys a
vehicle after being preapproved for SVFCU financing before the sale and $100 to the account of anyone who
buys a vehicle without a preapproval.**
Request a Vehicle Ahead of Time: There will be a wide variety of vehicles in all price
ranges, but if you have a particular vehicle in mind, let us know by e-mail or phone and
Enterprise will try to have something available to fit your needs!
Get Preapproved at SVFCU: Being preapproved for an auto loan could
improve your shopping experience, whether you’re shopping at the sale or
shopping at a dealership. Speak with an SVFCU loan officer to determine
how much you can afford and go shopping armed with a preapproval.
Educate Yourself Before You Shop: As always, before shopping
for a new vehicle, visit svfcu.org and click Buying a Car on the left
side. This section of our Web site offers tips on financing, taking
test drives and buying pre-owned vehicles.
*APR = annual percentage rate. Rates as low as 4.50% APR for 60 months.
Financing for qualified SVFCU members. Not all buyers will qualify. Actual rate may
depend on credit worthiness. Offer valid only on Enterprise Car Sales vehicles.
Offer valid 9/10/10–9/11/10. **Bonus will be forfeited if buyer returns the vehicle.
It's great to have options like Susquehanna Valley Federal Credit Union!