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FAL L 2012
STUDENT LOANS ARE HERE!
DIVIDEND NEWS
cuSCHOLAR
Private
Student Loans
PAYING FOR COLLEGE
JUST GOT EASIER!
We recognize our members may have a need for private student loans and
we have a new solu>on for students and their families. We’ve partnered
with cuStudentLoans.org to bring cuSCHOLAR Private Student Loans!
College enrollment is at an all >me high, but the cost can be out of reach.
We know you just might need an addi>onal resource to help with paying for
higher educa>on. cuSCHOLAR Private Student Loans can help pay for all
qualified educa>on expenses, including tui>on, room, board, books, computers, even past due tui>on bills. This private student loan op>on also includes
a very unique feature - financial literacy that helps students learn good credit
habits and build their credit scores while they are s>ll in school.
No OriginaIon Fee ● CompeIIve Interest Rates
1% Interest Rate ReducIon* ● 30-Day No-Fee Return Policy
Cosigner Release Available
*ALer 10% of loan principal is repaid during full repayment period
888.549.9050
cuStudentLoans.org/ircocu
cuGRAD
Private
ConsolidaIon
Loans
MANAGE YOUR
STUDENT LOAN DEBT
AFTER GRADUATION
Are you thinking about consolida>ng all your student loans into one manageable payment? We can help college grads overwhelmed by mul>ple
monthly payments, high interest rates, and short repayment terms with
the cuGRAD Private Student Loan ConsolidaIon program available
through cuStudentLoans.org. Depending on your financial situa>on and
career goals, the cuGRAD Private Student Loan ConsolidaIon can help
with cash-flow management or long-term debt elimina>on.
One Easy Monthly Payment ● Low Payments and CompeIIve Rates
Cosigner Release Available ● Interest-Only Repayment OpIon
T B
D 9/30/2012
.08% !"*
*A P Y
LOBBY HOURS:
M89 - T:;
9:00 <= - 5:00 >=
F?@A<B
9:00 <= - 6:00 >=
S<D;?A<B
9:00 <= - 12:00 >=
DRIVE-THRU HOURS:
M89 E T;F
WFA - F?@
S<D;?A<B
8:30 <= - 5:00 >=
8:30 <= - 6:00 >=
9:00 <= - 12:00 >=
PHONES:
908.859.1811
800.538.1572
908.859.2118 fax
ROUTING NUMBER:
221278035
ATM LOCATIONS:
450 Hillcrest Blvd.
2250 Belvidere Rd.
Easton Hospital (3)
43,000 ALLPOINT ATMs
24/7 AUDIO RESPONSE:
800.438.1585
www.ircocu.com
(clip & save)
HOLIDAY
PRODUCTS & SERVICES
• Allpoint - 43,000 Surcharge-Free ATMs
• ATMs - 2250 Belvidere Rd. Harmony Twsp., NJ
- 450 Hillcrest Blvd. Phillipsburg, NJ
- 250 S. 21st St. Easton, PA Cafeteria & ER Lobby
- 1605 Center Valley Pky., Bethlehem, PA
• Audio Response System 24/7 - FREE
• Bill Pay Online - FREE
• Cer>fied Credit Counseling - FREE
• Checking/Share DraL Accounts
• Coin Machine - FREE
• Convenient Drive-thru Tellers
• cuStudent Loans
• Discount Movie Tickets
• Discount Theme Park & Ski Tickets
• Direct Deposit
• eStatements - FREE
• eZforex - FREE
• Educa>onal Seminars - FREE
• Electronic Funds/ACH Transfers - FREE
• Family Membership - FREE
• Holiday Clubs
• IRAs - Tradi>onal & Roth
• Loan Applica>ons Online
• Money Orders
• Money Rocks! Club: 9 -16 yr. olds - FREE
• NET Genera>on Club: 17-23 yr. olds - FREE
• Night Depository
• Notary Service - FREE
• On-The-Go 50+ Club - FREE
• Payroll Deduc>ons
• Phone Withdrawals & Transfers
• PIGGY BANK Club: 0 - 8 yr. olds - FREE
• RxSavingsPlusSM - FREE
• Safe Deposit Boxes
• Saturday Hours
• Scholarship Program - High School Seniors
• Share Cer>ficates
• Signature Guarantee Service - FREE
• SPRINT - 10% Discount - FREE
• US Savings Bond Redemp>ons
• Vaca>on Clubs
• VIP Club: 24 - 49 yr. olds - FREE
• VIRTUAL BRANCH Online Banking - FREE
• VISA Debit, Credit and GiL Cards
Federally Insured
by NCUA
LOANS
PAY OFF HOLIDAY BILLS IN JUST ONE YEAR!
RATES AS LOW AS
3.99
%
APR*
*Annual Percentage Rate. Es>mated monthly payment per $1,000 borrowed for 12 months @ 3.99% is $85.15.
Max. loan amount is $2500. Rates are based on an evalua>on of applicant credit & may vary at closing.
Loan must be repaid within 12 months from date of loan.
ANNOUNCING 2 GREAT NEW PRODUCTS
JUST FOR OUR MEMBERS. . .
RxSavingsPlus
SM
Paying too much for prescripIons? IRCO members are automa>cally
eligible for a FREE prescrip>on discount card through CVS-CareMark.
No forms to fill out - just go to your CVS pharmacy and show the card to
verify the discount. Family members and employees can use the card
even if they already have insurance. Call CVS at 877-673-3688 for any
addi>onal ques>ons. And here’s a really great benefit - pet medica$ons
are also included! Check with your veterinarian for details.
KEY FEATURES:
•
•
•
No cost to enroll (some programs cost upwards of $9.99 per month)
Average savings is 22% per prescrip>on filled
Covers 99% of all commonly prescribed medica>ons
Visit hTp://ircocu.rxsavingsplus.com
to print your card and start saving today!
Traveling abroad? IRCO is partnering with foreign exchange company
eZforex, to offer an easy, secure and efficient way for members to buy
foreign currency. Purchase currency online @ eZforex.com right from
our home page or stop in our office. Funds are taken directly from your
IRCO account and the foreign currency is delivered conveniently to your
home within 2 business days! It’s that simple!
Plus, once you’re back home - sell any leLover currency back to eZforex
quickly and easily. Call our Savings Dept. at ext. 221 for more info.
SUPERVISORY COMMITTEE
WELCOMES TWO NEW MEMBERS
J8@9 BB
OCT. 31, 2012
FOR
Brian Finestein is CEO of CHS/Easton Hospital and
holds a Masters in Healthcare Administra>on from
George Washington University. Mr. Finestein is a
member of the board at the Easton Chamber of
Commerce and recently served as Heart Walk Chair
for the American Heart Associa>on.
iPAD
D?<\@9]!
VIP Club
Jeffrey Russo is an aiorney with the Phillipsburg
Law firm of Russo Law, LLC. Mr. Russo graduated
from Moravian College and obtained his law degree
from Widener Law School. He is Vice President of
Firth Youth Center Board and serves as Aiorney
Mock Trial Coach for Warren Hills High School.
members
get more!
GUARD AGAINST NEW TEXT SCAMS
New types of fraud--par>cularly tex>ng scams--are challenging consumers and
financial ins>tu>ons across the country. "Set up security systems on your mobile devices and add your cell phone number to the Do Not Call registry (at donotcall.gov)," advises Ann Davidson, senior consultant, risk management at CUNA Mutual Group.
If you get a text asking for personal informa>on, think about whether it's authen>c. "Your credit union will never send a text or e-mail asking for personal
informa>on--we already have that informa>on," says IRCO President, Jackie
Frey. "Never give out personal informa>on unless you ini>ate the contact."
Remember:
• You can't win if you didn't enter. "You could get a text that says something
like, 'You've won a sweepstakes; call this number and leave your name, address,
and checking account number so we can transfer your winnings,'" says Davidson. "No one should be asking for your checking account number."
• Credit union alerts will never ask you for personal informa$on. "You may
have signed up to receive a text alert when unusual ac>vity occurs on your account, but if the alert looks suspicious, don't respond," Davidson says. Instead,
"call your credit union."
Forward possible scam texts to 7726. "Major telecommunica>ons carriers such
as AT&T, T–Mobile, and Verizon all use this phone number to collect poten>al
scam messages for inves>ga>on," Davidson notes. If you think you may have
already given out personal informa>on, no>fy us immediately. (News Now 8/28/12)
Virtual Branch Online Enrollment!
Sign up is Easy:
•
•
•
•
Click the Virtual Branch icon on our Home Page
Click Enroll Online
Complete the informaIon and submit
Get immediate access to Online Banking & Bill Pay
FREE Checking*
FREE VISA™ Debit Card
FREE Online Banking
FREE Bill Pay
.25% Discount on new
personal loans
• FREE eStatements
•
•
•
•
•
*Direct Deposit, bill pay & eStatements required
Enroll today to be
eligible for our final
drawing for an
Apple iPad!*
Every member 18+ is automa>cally
awarded 1 entry. Add a new VIP Service
to your account or refer a new member
and you’ll earn valuable bonus entries.
The more services you add - the more
entries you earn - the greater your
chances of winning!
*Offer ends October 31, 2012
HOLIDAY
CLUBS
Smart Elves . . .
WINNERS CORNER
will see their 2012 Holiday Club directly
deposited into their savings accounts on
Oct. 1st.
We love to visit our Employer Groups!
2013 Clubs begin Oct. 1st. If you already
make club deposits through payroll, your
2013 club will start automa>cally. Give
our Savings Dept. a call if you’d like to
make any changes or need more info.
Call Sue at x221 for help.
Drawing Winners
- V@_D<;`@_ M" A C
G R
- E<bD89 H8b>@D<` J M
- SD. L;aFb/W<??F9 C<=>;b A
V Kn
BIG NEWS!
- E<bD89 H8b>@D<`/BFD:. Occ@_F -
EARN PROMOTIONAL
DOLLARS FROM SPRINT
S H"
Sprint is offering the following promo>ons to IRCO members in addi>on to the 10% credit union member discount & waived ac>va>on
fee*
• Member Referral PromoIon - CU members on SPRINT can refer
other CU members to SPRINT and each earn a $50 Visa Prepaid
Card
• Port-in (Switch to SPRINT) PromoIon – Members who transfer
from another provider earn a $50 service credit per line
- P’e;?] B8<?A 8c EA;_<D@89L K
Ask your HR Dept. to request
we visit your employer!
VIP CLUB
WINNERS!
*Verificaon of CU membership is required.
1st
iPAD
WINNER!
M8f@F T@_aFDb
E
G@cD C<?Ab
M<aF G?F<D
SD8_a@9] SD;ccF?b!
CHANGE OF
E-MAIL ADDRESS
OFFICIAL FAMILY
NEWS
If you change your e-mail address,
please let us know. Should a situa>on arise that we need to contact you immediately, all personal
informa>on needs to be up to
date. Send us the e-mail address
change or make the change in
Virtual Branch.
We’d like to welcome a new
employee to our official family.
Tracee Lilly has joined our Loan
Department as a Loan Interviewer. Tracee also brings several
years of counseling experience
to us.
Amy Zvolanek
Rhonda
Pevorus
Shawn
Carmody
Amy
Coopersmith
Melinda
Doncses