Winter 2013
MemberLink
. . . to serve you, our valued member,
for all your financial needs.
Stick to Your Resolutions This Year
What lasts long after the holidays? Besides the memories, gadgets and fruitcake—the bills!
Don’t let this debt overwhelm you. Instead, resolve to get ahead in the New Year with one
of our Bill Consolidation Loans. Whether you are looking to pay off high-interest loans and
credit cards, or just holiday expenses in general, we have the perfect loan for you.
Or cash in on these savings in many other ways:
• Improve your home’s appearance—and value!
• Take advantage of post-holiday sales
• Take a vacation to someplace warm and sunny!
• And much more!
Apply today! Stop by, call 800-257-5354 or visit us online at
www.campbellcu.org to apply for your Bill Consolidation Loan today.
Personal Loans
IRAs—They’re Not
Just for Tax Time
Contrary to what many people may
think, an IRA (Individual Retirement
Account) can be opened or
contributed to at any time during the
year, not just at tax time. A Traditional
or Roth IRA can be funded any time
during the year and up until April 15 of
the following year, and the Traditional
IRA can still be deducted from the
income taxes of eligible investors.
However, the earlier in the year an IRA
is opened, the greater the long-term
accumulation potential.
7.50% APR*
Terms up to 72 months available
Home Equity Loans
Home Equity Line of Credit
As low as
As low as
4.00% APR
*
Fixed Rate
Terms up to 180 months available
4.25% APR*
Variable Rate
Terms up to 180 months available
*APR=Annual Percentage Rate. Rate based on term. All rates subject to change without notice. Home
Equity Fixed Rate and Home Equity Line of Credit Variable Rate Loans require the member to pay
the application fee and closing costs. The home must be the primary residence. Our Variable Rate
is based on the Prime Rate +1% as published in the Wall Street Journal and adjusts on January 1st
and July 1st if the Prime Rate changes. Check with your tax advisor about tax-deductible interest
eligibility. All rates valid as of January 1, 2013.
Tax Reporting Information
We will mail 1099-INT and 1098 IRS forms that include
the total dividends earned and interest paid on your
accounts in 2012. They will be mailed before
January 31, 2013. If you earned less than $10 in
dividends, you will not receive a 1099-INT.
Bulletin Board
Join us in wishing our President & CEO, Martin
Banecker, well on his retirement. In January 2013,
Martin will retire after 30 years of service. Our Member
Services Supervisor, Mary Ellen Wilkers, will also retire
in January 2013, after 21 years of service with the credit
union. We’ll miss you Martin and Mary Ellen!
Happy retirement to you both!
Holiday Closings
Monday, January 21, Martin Luther King, Jr. Day
Monday, February 18, Presidents’ Day
Friday, March 29, Good Friday
Monday, May 27, Memorial Day
Rate Watch Rates shown are as of 01/01/2013. All rates subject to change.
Account Type
Rate
APY
Savings
0.25%
0.25%
Holiday & Vacation Savings
0.25%
0.25%
Checking Plus Interest
0.15%
0.15%
IRA (Traditional, Roth)
0.75%
0.75%
Loan Type
Rate
Term
Signature Loan
7.50% APR
Up to 72 months
Preferred Member As low as*
2.90% APR
Up to 84 months
As low as*
3.90% APR
Up to 84 months
Credit Union Share
2.25% APR
Up to 60 months
Stock
4.75% APR
Up to 60 months
Fixed Rate
4.00% APR
Up to 60 months
Fixed Rate
4.50% APR
Up to 120 months
Fixed Rate
5.00% APR
Up to 180 months
Variable Rate
4.25% APR
Up to 180 months
MasterCard® Credit Card
10.90% APR
(Fixed Rate)
First Mortgages
Call 888-935-5772 for current rates
New/Used Vehicle
Secured Loan
Home Equity
*Lowest rate based on credit history.
Save Two Ways on Tax Preparation
Main Office:
2 Executive Campus, Suite 100
Route 70 & Cuthbert Blvd.
Cherry Hill, NJ 08002
Mailing Address:
P.O. Box 2737
Camden, NJ 08101
Telephone: 856-486-3250
Toll Free: 800-257-5354
Fax: 856-486-3257
ART (Audio Response Teller):
856-486-3270
www.campbellcu.org
It’s Your Money—Keep More of It with
TurboTax®
Jackson Hewitt® offers two ways to save big
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Valued Campbell
Employees Federal
Credit Union members are entitled to save either
$30 on their individual income tax preparation
at participating Jackson Hewitt Tax Service®
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Plus, as a Campbell Employees Federal Credit
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Jackson Hewitt® wants you to save on tax prep.
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Be one of the first to get a refund. Start early!
Visit us on the web at www.campbellcu.org to
print your Jackson Hewitt coupon and locate a
Jackson Hewitt office near you!
TurboTax Disclaimer:
1 Service, experience levels, hours of operation and availability vary and are subject to change without notice. Tax Attorneys are not providing legal advice and are authorized under IRS Circ 230 to provide tax assistance and
advice. Live tax advice is a free service.
2 Accurate calculations guaranteed. If you pay an IRS or state penalty or interest because of a TurboTax calculations error, we'll pay you the penalty and interest.
3 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid.
TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13.
Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee.
© 2012 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2012. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.
Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their
respective owners.
Jackson Hewitt Disclaimer:
Offer valid on tax preparation fees only. Does not apply to amendments, extensions, online tax preparation product or other services. Valid at participating locations and may not be combined with any other offer. Your Credit
Union does not determine fees charged by Jackson Hewitt or its franchisees. If you are not satisfied with the fees quoted you are not obligated to complete your return with Jackson Hewitt and may decline their services any
time prior to filing. Most offices are independently owned and operated.
*Offer valid for tax prep fees paid of $150 or more. Proof of last year’s tax prep fee required. Offer expires 4/30/13.