Making the most of your dollars & cents... Cents Abilities The South Jersey Federal Credit Union Quarterly Update Spring 2012 CENTSв—ЏABILITIES Volume 6.2 - Spring 2012 I n s i d e 3 SJFCU Is For Mortgages, Too 4 Boat and RV Loans Wire Transfer Information 6 South Jersey Financial Network 7 Visa Gift Cards Convenience with eLerts 8 Save with Sprint Annual Meeting 9 Special Reverse Mortgage Seminar Latest Bill Pay Winner 11 Benefits of Credit Union Membership 12-13 Welcome To The Family 15 First Quarter Dividends Calendar Welcome! вЂњNever had a friend like me!вЂќ That was the genieвЂ™s refrain in the story of Aladdin. Similarly, our members never have had a friend like South Jersey Federal Credit Union вЂ“ the place where they know theyвЂ™ll receive sound financial advice and trusted assistance for all their financial needs. Always on the lookout for those services that best serve our members, we recently slashed the rates on home equity loans, new and used auto loans, and loans for boats, RVs and motorcycles вЂ“ and extended the terms of those loans вЂ“ all to help your dreams come true. While other financial institutions make it tough if not impossible to obtain a loan, SJFCU makes the process easy and accessible. With summer just around the corner, take advantage of those newly slashed rates on recreational vehicles and boats вЂ“ even if your plans mean youвЂ™ll be staying close to home or just getting to the shore or a campground on the weekends. These low rates mean youвЂ™ll have the means to do your vacation up in style! Our experienced LPL Financial Consultants continue to provide financial planning advice for any and all members who avail themselves of their service. Has there been вЂ“ or are you anticipating - an important вЂњlife eventвЂќ in your family вЂ“ such as retirement, the birth of a child, a new job, or a death in the family? These and other events are often the milestone markers that necessitate a closer look at your overall finances. Let our South Jersey Financial Network team of financial consultants work with you. Sincerely yours, Benjamin T. Griffith President/CEO Centsв—ЏAbilities SJFCU Is For Mortgages, Too! At SJFCU, weвЂ™re here for all your financial needs. For many members - in addition to the no-surprises checking and savings programs we offer - the low rates on our auto and home equity loans, and the fixed rate on our Visa Platinum credit card are often the first things that come to mind when they speak of the convenience of doing their banking at their credit union. But South Jersey Federal Credit Union offers another financial product вЂ“ one that is arguably the most important and long-term financial commitment any member will have during his or her lifetime: first mortgages. Look into financing your home purchase with SJFCU! Ready to purchase that first home? Want to take advantage of the low rates now available to homebuyers? Wish to make the switch from renting to ownership, or make the move to a house better suited for your growing family, by selecting from the larger-than-usual inventory of homes on the market? Let SJFCU be your trusted source for financing your home just as we are your trusted source for all your other financial needs and services! When you look to SJFCU to meet your mortgage needs, youвЂ™re choosing a personal, cooperative approach to business. SJFCU stands ready to serve SJFCU members by providing вЂў Expert advice вЂў Prompt service вЂў Financial solutions. There are many options for financing a first mortgage through SJFCU вЂ“ we offer conventional mortgages, FHA mortgages, VA mortgages as well as guidance to the state and local grant programs available especially for the first-time homebuyer. SJFCU can handle your loan from start to finish. Our rates and options are some of the most competitive in the market today. The top-notch service from our team of lending professionals is second to none! In 2012, as the economy slowly continues to regain its footing, mortgage lending guidelines, while strict, are sensible, and therefore make it easier overall for those seeking to buy a home to accomplish that goal. Make your home-buying dreams come true with SJFCU. To apply for a mortgage, or to get your mortgage application process started, just visit any of our SJFCU branches, or call 800-582-7640 to apply or set up an appointment. 3 South Jersey Federal Credit Union Get Your Boat and RV Loans at SJFCU Unseasonably warm weather has arrived, even before summer officially begins! Our credit union members can get вЂњon boardвЂќ with summertime fun in a boat or RV вЂ“ with great rates from SJFCU! Whether youвЂ™re thinking of getting a new or used boat for seaside fishing and cruising, or a new or used recreational vehicle to explore the countryside and for spending a vacation at a campground, the rates at the credit union canвЂ™t be beat! 4.24 % APR* for up to five years for a new boat or RV and 4.99 % APR** for up to five years for a used boat or RV It wonвЂ™t be long before youвЂ™ll want to spend every spare day or weekend вЂњdown the shoreвЂќ using your easilyfinanced boat for some close-to-home warm weather activities. Now is the time to look into these great rates, to вЂњcatchвЂќ a new or used boat for your familyвЂ™s use. And, SJFCU has relationships with not one but two regional RV dealerships вЂ“ Dylans RV Center in Sewell, and White Horse RV in Williamstown. These professional relationships mean not just a great inventory from which to choose an RV, but also a smooth process for you when it comes to buying and financing your RV at SJFCU. * Rates quoted are for Premier Plus category, and include ВЅ % reduction in rate for payroll deduction or direct deposit. Premier Plus category requires a minimum FICO score of 700. RV and Boat loans are for up to 100 % financing of agreed purchase price, not to exceed MSRP in RV or New Boat Guide. All promotional rates are for new loans only. SJFCU refinances not included. ** Used RV rate is for maximum age of 10 model years, up to 100 % financing of agreed purchase price or NADA value, whichever is less. Used boat rate is for maximum age of 15 model years, up to 100 % financing of agreed purchase price or NADA value, whichever is less. Other rates and terms available to qualified borrowers. Rates and terms subject to change at any time at the discretion of the credit union. DID YOU KNOW? Many of our members routinely utilize wire transfers to send funds to another person or financial party. But if youвЂ™ve never done so, or think that you might need to do so in the near future, you must already have a wire transfer agreement on file with SJFCU before you actually request a wire transfer. This agreement gives SJFCU the authorization to perform a wire transfer for you. If youвЂ™d like to make arrangements to have a wire transfer agreement set up, just stop by any branch or call 800-582-7640 to make the initial request. 4 Centsв—ЏAbilities WeвЂ™ve SLASHED LOAN RATES & MS R E T T N E M Y A P EXTENDED ! Lowest Rates in SJFCU History! NEW AUTO LOAN RATES 2.99% up to 5 years... * % 1.99 UP TO APR USED** AUTO LOAN RATES 3.49% up to 5 years... * % 2.99 UP TO APR 6 YEARS! 6 YEARS! 7 YEARS! HOME EQUITY LOAN RATES 3.49% up to 5 years... 2.99% UP TO *** 3.99% APR *** APR UP TO 15 YEARS ! 4.99% *** APR UP TO 20 YEARS! *Auto loan rates quoted are for Premier Plus category, up to 6 years and includes 1/2% reduction in rate for payroll deduction or direct deposit. Auto loan promotional rates are for new loans only. SJFCU refinances not included. Premier Plus category requires a minimum FICO score of 700.**Used car rate applies to model years 2009 and 2010 and 2011/2012 models with over 15,000 miles. Other rates and terms available to qualified borrowers. ***Home Equity loan rates apply to new and refinanced loans in Premier Plus category with automatic payment such as payroll deduction. The APR without automatic payment is one-half percent (0.5%) higher. Premiere Plus and Classic Plus rates require $25,000 or more new money on refinanced loans and $10,000 or more on new loans. All other rate categories require $15,000 or more of new money on refinanced loans and $10,000 or more on new loans. This product is a fixed rate, closed-end loan secured by your primary residence and is equal to up to 75% loan-to-value including your 1st mortgage balance, if any. Closing costs included in rate. Title insurance required for loan amounts over $100,000. Other auto and home equity loan rates and terms available to qualified borrowers are based on credit approval. All rates and terms subject to change at any time at the discretion of the credit union. 5 South Jersey Federal Credit Union Life Events: The Game Changers that lead to Financial Planning Life-changing events вЂ“ they are markers for all of us, no matter our situation or the stage of life weвЂ™re going through. вЂњLife events,вЂќ as theyвЂ™re commonly called, are those situations вЂ“ some happy, some heart-rending вЂ“ that touch all of us as we live our lives. Some are happy occasions which warrant a вЂњsecond lookвЂќ at oneвЂ™s financial situation: вЂў Marriage вЂў Birth of a child вЂў A new job вЂў Family member entering college вЂў Retirement вЂў A rollover of one or more 401(k)s So too are the challenging life events that occur, such as вЂў Unexpected layoff or loss of a job, вЂў a divorce, or вЂў a death in the family. Any one of these life events can trigger a need to review and re-assess oneвЂ™s financial situation and likely make some necessary adjustments to it. ThatвЂ™s when the advantages come into play of utilizing the services of South Jersey Financial Network! Financial planning services on the South Jersey Financial Network (SJFN) вЂ“ with information online at www.southjerseyfn.com вЂ“ are available through LPL Financial, a registered investment advisor and the nationвЂ™s leading independent broker/dealer based on revenues (reported in Financial Planning Magazine, June 1996-2011). Both of our Financial Planning Consultants вЂ“ David Graham and Joe Silva вЂ“ each have decades of experience in the financial planning field, and can offer you unbiased advised and access to a range of non-proprietary financial products. Remember: Our South Jersey Financial Network (SJFN) is online вЂ“ just click on вЂњFinancial PlanningвЂќ on our SJFCU website home page, or type in the web address (see above) into your browser. Not only are all the products and services offered by the SJFN listed in easy to understand format, the website also has an easy form to fill out to set up an appointment with one of our Financial Planning Consultants. Securities and Financial Planning offered through LPL Financial, Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. SJFCU is not a broker/dealer and not affiliated with LPL Financial. NOT NCUA INSURED NO CREDIT UNION GUARANTEE MAY LOSE VALUE 6 Centsв—ЏAbilities Mom, Dads and Grads Love Visa Gift Cards! Looking for a gift that is perfect for MotherвЂ™s Day in May for the special mom (or grandmom) in your life? How about something for that hard-to-shop-for Dad for FatherвЂ™s Day in June? And new June graduates always appreciate something that gives them the freedom to choose exactly what they want! Gift cards are easy to purchase and priced right for every budget. Gift cards can be purchased (only $2.95 each plus the amount of the gift card) at all six SJFCU branches. Our SJFCU Gift Cards are available in denominations ranging from $10 all the way up to $500. Cards issued by MetaBank pursuant to a license from Visa U.S.A. Inc. Purchase fee of $2.95. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00 eLerts вЂ“ The Easy Way to Manage your Finances SJFCUвЂ™s eBanking allows you many conveniences... online views of your monthly statement, as well as the ease of setting up your bill payments and вЂњeLertsвЂќ to let you know about specified account activity. Signing up for eLerts is easy! First, log into your eBanking account as usual from our website, www.SouthJerseyFCU.com: вЂў Select вЂњAccess AccountsвЂќ from the top menu bar вЂў A second menu bar will appear just below; now click on вЂњEmail NotificationвЂќ вЂў Click on вЂњeLert OptionsвЂќ and then click on вЂњContinueвЂќ вЂў Now click on вЂњAdd eLertвЂќ There are a number of eLerts to choose from: вЂў Balance Below a Value вЂў Check Number Range Cleared вЂў Deposit Above a Value These and other options are available to you вЂ“ pick one, or several. Or, you can change them as your informational needs about your account change over weeks or months. YouвЂ™re in charge! 7 South Jersey Federal Credit Union SJFCU Members Save with Sprint! As an SJFCU member, you know that your membership in the credit union brings you many special offers and great discounts on many financial products and services. Now, your credit union is happy to bring its members major savings through the Sprint Credit Union Member Discount Plan! Join more than 1 million credit union members nationwide who are already saving over $124 million on their wireless plans. Here are the ways you can save money, too: вЂў 10% off select Sprint individual service plans вЂў 15% discount on most business lines monthly recurring charges вЂў Waived activation fee on new lines (up to $36 in savings) вЂў Waved upgrade fee (up to $18 in savings) вЂў Available to both new and existing Sprint customers Enjoy the benefits and exclusive discounts only credit union members like you can receive. Three ways to get your discount: - Call 877-728-3428 and let them know youвЂ™re a credit union member. Ask to be attached to the NACUC_ZZM Corporate ID). - Online at www.SprintSave4CU.com - Visit your nearest Sprint store. Mark Your Calendar: 2012 Annual Meeting is May 16 As always, the feedback we receive from our membership continues to be a guiding force behind many of the products and services available to you at SJFCU. Each year, you have the opportunity to offer such feedback and become more involved in your credit union by attending our annual meeting. Attendance at our annual meeting is a privilege of credit union membership that you donвЂ™t find at commercial banking institutions. Our 2012 SJFCU Annual Meeting will be held Wednesday, May 16 in the lobby of our Deptford branch beginning at 5:30 p.m. Please join us вЂ“ your participation and presence matters! 8 Centsв—ЏAbilities FREE Reverse Mortgage Seminar вЂ“ Plan to Attend! For those who wish to learn more about Reverse Mortgages, or who feel they can benefit from more information on the topic, SJFCU has scheduled a free Reverse Mortgage Seminar for the evening of Tuesday, May 15 beginning at 5 p.m. It will be held at the Seven Star Diner (formerly 5 Points Diner) at Intersection of Route 41 and 47(Hurffville Road, Delsea Drive & Egg Harbor Road intersection) Deptford, NJ 08096 Come and enjoy dinner with us at 5 p.m., and then stay for the seminar. The seminar lasts approximately one and a half hours; there is ample opportunity to have your questions answered at the seminarвЂ™s conclusion. At least one of each group/party attending must be a homeowner aged 62 or over. The family members of each age 62 and up homeowner are also welcome to attend. Reverse Mortgages allow an individual вЂ“ or a couple вЂ“ one of whom is at least 62 years of age to convert the equity built up in their home into cash. It does not have to be paid back for as long as he or she вЂ“ and oneвЂ™s spouse, if applicable вЂ“ lives in the home. ____YES. I/we plan to attend the Reverse Mortgage Seminar and dinner at the Seven Star Diner in Deptford on Tuesday, May 15 at 5 p.m. Name(s) ___________________________________________________ Address ___________________________________________________ Phone # _________________________________Number Attending _______ Seating is limited. Please call in advance 800-582-7640 to reserve your place, or return this slip below at least one week before the May 15 seminar date to: Lending Department, Attention: RMS, SJFCU, P.O. Box 5530, Deptford, NJ 08096 Our Members Are Winners! SJFCU member Nathan Daniels of Clementon was the lucky winner of our fourth quarter Billpayer promotion which took place during November and December. Each time Daniels paid a bill online during those months, his name automatically was entered in the drawing. DanielsвЂ™ prize was a $100 gift card for Amazon.com. Are you taking advantage of the ease and convenience of paying your bills online by using our Billpayer service? Remember, the more bills you pay online, the more chances you have to win. Our next Bill Pay contest begins on May 1st, so sign up for Online Bill Pay today! 9 South Jersey Federal Credit Union ...of a fabulous vacation! It IS possible if you plan ahead & save with an SJFCU Vacation Club FREE GIFT Receive a free gift when you open a Vacation Club account. While supplies last. Start my club in: January 2012 (Funds avail. 1/1/13) April 2012 (Funds avail. 4/1/13) July 2012 (Funds avail. 7/1/13) October 2012 (Funds avail.10/1/13) Name____________________________________ Acct#____________ Address____________________________________________________ City______________________________State_______Zip____________ Phone: Home (____)_______________ Work (____)________________ I need to change the amount of my payroll deduction. The SJFCU Vacation Club funds will automatically transfer to Statement Savings or Checking on 1st day of the month, 12 months after the start date. Withdrawals prior to maturity will be subject to a 10% penalty, with a minimum withdrawal of $250. Please bring your completed Vacation Club application to the credit union branch nearest you to receive your free gift. One free gift per member please (while supplies last). I agree to have $5.00 deducted from my club account as payment for the free gift if I fail to complete my club with a minimum of $250. Signature______________________________________ 10 South Jersey Federal Credit Union Centsв—ЏAbilities Credit Unions вЂ“ Tell a Friend, Tell a Co-Worker! Even as the economy improves in slow, incremental steps, each of you - members of South Jersey Federal Credit Union вЂ“ are part of a very positive movement, a movement you should be proud to mention to everyone you know! In 2011 вЂ“ when the rest of the financial world was struggling with public relations black eyes and still increasing fees and charges вЂ“ Credit unions around the country added 1.3 million new members in 2011! That means the total membership of credit unions in the United States вЂ“ including your 44,000-plus-members SJFCU вЂ“ now is a record 91.8 million individuals. Nationally, there are 7,094 federallyвЂ“insured credit unions, according to data collected by the National Credit Union Administration (NCUA). We grew at SJFCU too in 2011 вЂ“ with 32 new select employee groups, with their more than 4,000 employees eligible to join SJFCU and begin experiencing the great low rates and outstanding member service offered here. Much of that national growth вЂ“ and growth here at SJFCU вЂ“ came in just the final (fourth) quarter of 2011. Consumer movements during that quarter, such as Bank Transfer Day, urged people to ditch their вЂњbig banksвЂќ for the better convenience, fewer fees and especially the better, lower rates that credit unions can offer. These record figures in credit union growth were announced by the NCUA in March. Another report from J. D. Power and Associates, also released in March, details a similar exodus by customers from big banks to smaller institutions including credit unions. CNN Money noted, вЂњConsumers had already grown increasingly aggravated by new and higher fees at banks during the year. Even though Bank of America later changed its mind and scrapped its plans for a new debit fee, consumers were already on the move.вЂќ Paul Gentile, president/CEO of the New Jersey Credit Union League recently wrote, вЂњCredit unions are the safe haven that can protect consumers from this growing feebased model of banks.вЂќ HeвЂ™d also like to see credit unions вЂњturning from a niche market to an everyday consumer option.вЂќ How about it, SJFCU members? YouвЂ™ve chosen the credit union option - are you sharing the news of the value and convenience of the credit union difference and credit union membership with вЂў Your family members вЂў Your co-workers and вЂў Your neighbors and friends? Share the great news of great rates, less fees and outstanding service at your credit union вЂ“ SJFCU вЂ“ with others who could benefit, as you do, from membership! 11 South Jersey Federal Credit Union e m o c l e W to the Family roups with yer G New Emplo SJFCU Ambassador Medical Services, Inc., Marlton Ambassador Medical Services, Inc. conducts drug and alcohol testing for companies and unions. Ambassador Medical Services, Inc. is a partner in Secure Worker Access Consortium (SWAC), a cooperative security program that enables the effective screening of individuals who require access to secure areas or to confidential information. BLANCO America, Inc., Lumberton BLANCO America, Inc. is in the business of selling highquality kitchen sinks, faucets and accessories. The companyвЂ™s domestic customer base includes plumbing distributors, wholesalers and showrooms in the region. Courtyard by Marriott, Westampton The Courtyard by Marriott Westampton is one of the newest Marriott facilities in the region. Opened less than a year ago, the new facility is close to downtown Mt. Holly вЂ“ the county seat of Burlington County вЂ“ and Interstate 295, making it ideal for the business traveler. DNT Payroll Services, Inc. (for RCH CableВ® brand), Moorestown DNT Payroll Services, Inc. is the operating entity for the RCH CableВ® brand. DNT Payroll Services, Inc. oversees day-to-day operations of various cable contracting businesses that utilize the RCH brand name. DNT Payroll Services, Inc. also conducts ongoing corporate and field training classes for all field managers and sales representatives. 12 Centsв—ЏAbilities ManorCare Health Services, Voorhees ManorCare Health Services-Voorhees offers skilled nursing care and rehabilitation. The Voorhees location opened in 2006. Its parent company, HCR ManorCare, has more than 500 locations in 32 states, and over 60,000 employees. At Voorhees, 24-hour skilled nursing care as well as physical, occupational and speech therapy is provided to a broad spectrum of patients. In addition, the facility offers therapeutic recreation and social activities. Township of Monroe Commonly called Monroe Township, this is one of the largest municipalities in Gloucester County in terms of size and population: it covers 46.9 square miles and has more than 31,400 residents. Monroe Township was first formed in March of 1859 from portions of what is now neighboring Washington Township. Both Williamstown and Victory Lakes are census-designated unincorporated places with the township. Simonik Transportation & Warehousing Group, LLC, Burlington Established in 1977, Simonik Transportation & Warehousing Group, LLC is a full-service residential and commercial moving company and an agent for Allied Van Lines. The firm has more than 59,000 square feet of warehouse space, and its fleet size has grown to over 140 vans and equipment. Simonik now ranks as the 10th largest agent in the Allied national network. Twin Oaks Community Services, Mount Holly Twin Oaks Community Services was formed officially in January 2012 from a merger of Family Service and Steininger Behavioral Care Services. The non-profit Twin Oaks Community Services provides services to families and individuals struggling with behavioral problems, including mental illness. The organization provides more than 90 different behavioral health programs including affordable and supportive housing development programs, a foster home program, and a food pantry. Borough of Wenonah The Borough of Wenonah in Gloucester County covers one square mile, with a population of slightly over 2,300 residents. Founded in 1871 by a group of businessmen as a country resort, Wenonah remains almost exclusively a residential area. Nearly a quarter of the boroughвЂ™s area is conservation land, protected by ordinance from development. 13 South Jersey Federal Credit Union Receive a special gift from SJFCU if you get pre-approved by April 18, 2012! Upon used vehicle purchase from Enterprise Car Sales. THE PERFECT HASE PURCHASE WITH EVERYY PURC WITH EVER USED CAR PACKAGE В®В® Receive Blue BookВ® Trade-In Value on yourTHE vehicle PLUS $250! THE PERFECT PERFECT 2 USED CAR USED CARBoys Gift Card! Or, Receive a $50 PACKAGE Pep PACKAGE 1 HASE PURCHASE WITH EVERYY PURC WITH EVER В® В®В® SJFCUвЂ™s Low Auto Loan Rate 2.99% 3 apr April 19 - 21, 2012 Thursday 9am вЂ“ 7pm вЂў Friday & Saturday 9am вЂ“ 5pm 12-MONTH/12,000 MILE LIMITED POWERTRAIN WARRANTY.4 FREE CARFAXВ® REPORTS. VEHICLE CERTIFICATION. 7-DAY REPURCHASE AGREEMENT.4 12-MONTH ROADSIDE ASSISTANCE.5 And, youвЂ™ll never have to haggle about prices. Enterprise Car Sales Pennsauken, NJ....................................... 3011 Admiral Wilson Blvd....................856 910-7920 1 Trade-In values obtained from В© 2012 Kelley Blue Book Co.вЂ™s website KBB.com. Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle Enterprise will provide a fair and competitive value for customerвЂ™s vehicle. Additional trade-in value of $250 is available only on passenger vehicles and light duty trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including Alaska, California, Kentucky, Louisiana, South Carolina, Texas, Virginia and Wisconsin. Offer valid from 4/19/12 - 4/21/12. 2$50 Pep Boys gift card will be issued via mail 30 business days after purchase of vehicle. Offer valid only on Enterprise vehicles purchased from 4/19/12 - 4/21/12 and financed through South Jersey Federal Credit Union. Offer void when 7-Day Repurchase Agreement is activated. No cash advances. Not valid on previous purchases. This offer cannot be combined with any other offers. 3Rate quoted is for Premier Plus category, up to 6 years and includes 1/2% reduction in rate for payroll deduction or direct deposit. Auto loan promotional rates are for new loans only. SJFCU refinances not included. Premier Plus category requires a minimum FICO score of 700. Rate applies to model years 2009 and 2010 and 2011/2012 models with over 15,000 miles. Other rates and terms available to qualified borrowers. Rates and terms subject to change at any time at the discretion of the credit union. Offer expires 4/30/2012. 4Restrictions apply. For details, see an Enterprise Car Sales Manager. 5Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. The вЂњeвЂќ logo, Enterprise, and вЂњHaggle-free buying. Worry-free ownership.вЂќ are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. В© 2012 EnterpriseВ Car Sales. 14 Centsв—ЏAbilities First Quarter Dividends Rate APY* Statement Savings $100 - $4,999 $5,000 - $24,999 $25,000 and Above 0.15% 0.25% 0.40% 0.15% 0.15% - 0.23% 0.23% - 0.40% $100 - $4,999 $5,000 and Above 0.15% 0.25% 0.15% 0.15% - 0.25% Vacation & Christmas Clubs Money Market Super Money Market NEW Mega Money Market 0.25% 0.20% 0.50% 0.75% 0.25% 0.20% 0.50% 0.75% 0.65% 0.75% 1.15% 0.65% 0.65% - 0.71% 0.71% - 1.15% Teachers Club IRA - Traditional/Roth/Coverdell $0 - $19,999 $20,000 - $49,999 $50,000 and Above Rates subject to change without notice. *Annual Percentage Yield. Calendar April 2012 19 - 21 - Enterprise Car Sale, Pennsauken 21 - Reverse Mortgage Seminar - Moorestown Branch May 2012 15 - Reverse Mortgage Seminar - Seven Star Diner in Deptford 16 - Annual Meeting 28 - Memorial Day - Offices Closed 15 PO BOX 5530 DEPTFORD, NJ 08096 PRESORTED STANDARD MAIL US POSTAGE PAID DEPTFORD, NJ PERMIT 45