MoneyMonthly
June 2013
The Monthly Newsletter for Members of South Jersey Federal Credit Union
Whether you’re hitting the road in a sporty new car, on a shiny new
motorcycle, in a luxury RV, or sailing the blue seas on your new boat, SJFCU
has a loan for you. Apply today and start having some fun!
NEW CAR LOAN
as low as
Fast & Easy Approval
Flexible Rates & Terms
Easy Payments
GAP Insurance
1.99%*
APR / Up to 6 years
USED CAR LOAN
as low as
2.99%**
APR / Up to 6 years
NEW MOTORCYCLE LOAN
as low as
4.90%*
APR / Up to 3 years
USED MOTORCYCLE LOAN
(800) 582-7640
Fax (856) 232-6301
Web www.SouthJerseyFCU.com
as low as
6.50%**
APR / Up to 3 years
NEW RV/BOAT LOAN
as low as
4.24%*
APR / Up to 5 years
AL513
USED RV/BOAT LOAN
as low as
4.99%**
APR / Up to 5 years
*Rates quoted are for Premier Plus category, and includes 1/2% reduction in rate for payroll deduction or direct deposit. Premier Plus category requires a minimum FICO score of 750. 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 car rate applies to model years 2010 and 2011 and 2012/2013 models with over 15,000 miles. Used motorcycle rate applies to last 7 model years; 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.
www.SouthJerseyFCU.com
800-582-7640
Saving Some Extra Cash: Avoid these ‘Money Drains’
Looking for some extra money for
your weekend getaways this summer,
or for that big week-long vacation
you’ve got planned? And, for the long
haul, want to find new ways to create
a permanent savings plan for yourself
and for your loved ones?
Try some of these savings tips from several experts in
retailing and finance, which appeared in a recent issue of
Money Magazine. One or all of them could help you reorganize your financial life and find some new savings.
Sock It Away, Right Away: “People feel less guilt about
spending their paycheck than they do their savings.
Avoid temptation: Divert more of your pay straight into
savings.”
- George Loewenstein, economics
professor, Carnegie Mellon University
Get In and Get Out: “About 40% of purchases are
impulse buys, so stores are designed to keep you as long
as possible, often by creating a pleasant atmosphere or
by being tough to navigate. Don’t fall for it – shop with
purpose.”
- Sheri Bridges, Director,
Center for Retail Innovation,
Wake Forest University
Conduct a “What was I thinking?’ audit: “A post-mortem
is better than a budget, because you see how you actually
spend your money – not how you wish you did. Comb
through your bank and credit card statements annually.”
- Jeff Yeager, author of
‘How to Retire the Cheapskate Way’
Know what you’re missing: “Rather than wonder whether
your daily latte is worth the splurge, compare it with
another indulgence. Drop the one that gives you less
pleasure.”
- Loewenstein
Do a Trash-Can Autopsy: “It may sound gross, but looking
through your trash (and recycling) can tell you a lot about
what you waste. Are there certain foods you always end up
tossing? How much did you spend on stuff from all those
catalogues?”
- Yeager
Want to discuss financial planning in greater detail?
Talk to someone about getting a mortgage?
Get a better rate on your insurance needs?
Talk about one-stop shopping! It’s all available – from real
people, ready to meet with you face-to-face, at all South
Jersey Federal Credit Union branches!
It’s all about partnership visibility.
A whole range of SJFCU’s “In-Person Partners” make
themselves available to you, our members, at each of our
six branches on a regular schedule. It’s an opportunity to
get any and all of your questions answered, and learn about
great rates, great deals, and opportunities for savings and
coverage you may not have heard about otherwise.
• David Graham, our financial planning
consultant with LPL Financial, has an office in
our Deptford branch and is always available
to set up appointments to discuss long-range
financial solutions for you and your family’s
needs.
• One aspect of our ongoing partnership with Enterprise Car
Sales are the regular visits by Enterprise sales representatives
to all branches. There, they assist staff,
answer member questions, and keep
all parties informed and updated on
upcoming sales. Also, the Enterprise people can discuss
your particular vehicle needs and can arrange for you to
view a car or truck that matches your requirements.
• Have questions concerning insurance –
whether life insurance, auto insurance or
protection for your home? Representatives from
both PFP Services (a long-time credit union
affiliate) and Liberty Mutual Insurance also have
regular scheduled stops at all of our
branches. Just call or ask any of our
branch staff when they next expect
a visit from these knowledgeable
representatives.
Thursday July 4 - Independence Day
• Two experts with a combined 40-plus years of experience
in mortgages and banking –
Joe Giacobbe and Gary Knight
– have a set schedule of visiting
our branches to meet with you
about a first mortgage! Joe is at
Camden on Tuesdays, Voorhees
each Wednesday and Deptford each Friday. Gary visits
Moorestown each Monday, stops at Vineland on Thursdays,
and at Pleasantville on Fridays. Each day they are at their
designated branch from 10 a.m. until 2 p.m. – so stop by
to see them on the day they visit the branch closest to you.
www.SouthJerseyFCU.com
800-582-7640
IMPORTANT DATES
Please note that all branches will be closed on: