Winter - ABCO FCU
Winter - ABCO FCU
Winter - ABCO FCU
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Money News<br />
A Quarterly Publication<br />
Start Heading in the<br />
rIGHT dIreCTION<br />
Establish or re-establish your credit with a<br />
CREDIT BUILDER LOAN<br />
<strong>Winter</strong> 13<br />
$1,000 •12 months •18% APR*<br />
No Credit Check Required • Easy Qualifications**<br />
APPLY ONLINE AT WWW.GO<strong>ABCO</strong>.ORG/CREDITBUILDER<br />
*APR=Annual Percentage Rate.<br />
** Easy Qualifications: Must be employed for at least one year. Agree to payroll deduction for loan repayment. Have no other loans or<br />
credit card balances with <strong>ABCO</strong>. Agree to opt out of Privilege Pay. Agree to save $5.00 per pay period to an <strong>ABCO</strong> savings account.<br />
Not a guarantee of financing. Loan subject to Lending Department approval. There is a $35.00 processing fee.<br />
goabco.org • 800-225-1859
Warm Up to the Value of an<br />
<strong>ABCO</strong> Visa ® Credit Card<br />
rates as low as 6.75% APr*<br />
NO Balance Transfer fee<br />
earn reward Points for Purchases<br />
NO Annual fee (for most cards)<br />
Resolve to Save Money in 2013.<br />
Go to our website for examples or<br />
call us to see how much you can save:<br />
www.goabco.org/visabalancetransfer<br />
Apply in Person • By Phone • Online<br />
* APR=Annual Percentage Rate. Rate as of 11/26/12. Not a guarantee of financing. The rate a member<br />
pays is based on credit worthiness and some members may pay an annual fee. Balance transfers up<br />
to member’s credit limit. Contact us for complete details.<br />
* Securities offered by Registered Representatives of ING Financial Advisers, LLC (IFA), member SIPC. Investment Advisory Services offered by Investment<br />
Advisory Representatives of IFA. Insurance sold through licensed insurance representatives of various companies in association with CU Financial Insurance<br />
Group (CUFIG), a wholly-owned subsidiary of <strong>ABCO</strong> Federal Credit Union. <strong>ABCO</strong> Federal Credit Union and its subsidiaries are not corporate affiliates of IFA.<br />
Nondeposit investment products are not federally insured, not obligations of the Credit Union, not guaranteed by the Credit Union or any affiliated entity,<br />
involve investment risks, including the possible loss of principal and may be offered by an employee who serves both functions of accepting member<br />
deposits and selling nondeposit investment products. IFA products are not offered, recommended, sanctioned or encouraged by the NCUA or the Federal<br />
Government. P.O. Box 221, Rancocas, NJ 08073; phone 1-888-439-0770; fax 856-439-1199.<br />
Hang on to your retirement goals.<br />
Contact us for a no-obligation analysis.<br />
Phone: 888-439-0770<br />
Email: financial@goabco.org<br />
Let CU Financial Insurance Group (CUFIG)<br />
provide you with alternatives to help you<br />
achieve your goals. Because we are a<br />
wholly-owned subsidiary of <strong>ABCO</strong>,<br />
you can trust us to put your interests first.<br />
roll over an existing IrA, increase your<br />
contributions, change your options—<br />
what to do?<br />
Offered by<br />
FINANCIAL SERVICES<br />
Big City Efficiency…Small Town Friendliness<br />
P.O. Box 247 • Rancocas, NJ 08073-0247<br />
Federally insured<br />
by NCUA<br />
PRSRT STD<br />
U.S. POSTAGE<br />
PAID<br />
IMAGE.WORKS<br />
53719<br />
of your<br />
retirement goals!<br />
Don’t let go…
BUY NOW<br />
rates are low and home values are expected to appreciate. finance your<br />
home with <strong>ABCO</strong> and take advantage of:<br />
• Competitive rates • Low down payment for qualified borrowers*<br />
• Minimal closing fees • A variety of financing options<br />
Mortgage Options<br />
• Conventional Fixed-Rate Mortgages<br />
• Adjustable-Rate Mortgages<br />
• FHA (Federal Housing Administration) Loans<br />
More information and an application form is available online at<br />
www.goabco.org/mortgages<br />
Not sure which mortgage type is right for you?<br />
Call 866-441-8632.<br />
*Based on a member’s credit worthiness and other factors.<br />
INSURANCE SERVICES<br />
MOVe or IMPrOVe?<br />
<strong>ABCO</strong> Has<br />
You Covered<br />
888-439-0770<br />
goabco.org/insurance<br />
HOME IMPROVEMENT LOAN<br />
Need to make some repairs to your<br />
heating system, replace drafty windows or get a<br />
new roof? Whatever improvements you’re<br />
looking to make to your home, our home<br />
improvement loan* is a great way to finance it.<br />
Borrow up to $25,000 at 2.99% APR ** for<br />
up to 48 months.<br />
More information and an application form is<br />
available by phone or online at<br />
www.goabco.org/homeimprovement<br />
* Subject to credit approval. Must be a homeowner to qualify. Documentation/<br />
estimates of work to be done to home must be supplied for disbursal of this loan.<br />
Other conditions may apply.<br />
**APR=Annual Percentage Rate<br />
Available Now!<br />
Teachers’ Insurance Plan of NJ Auto Insurance Discount<br />
Special low discount rates are now available for people who work for or<br />
are retired from an accredited NJ school, district or diocese, or<br />
who are a member of an NJ Parent Teachers Association.<br />
You don’t have to wait until your current policy expires<br />
to start saving on your rates.<br />
Offered BY:<br />
Not in the education field?<br />
You can still save. Ask us about other insurance plans<br />
for auto, vehicles (truck, van, motorcycle, SUV), home, even your pet!<br />
Insurance products are offered through various insurance companies in association with CU Financial Service Group, LLC, a wholly-owned subsidiary of <strong>ABCO</strong> Federal Credit Union<br />
(<strong>ABCO</strong> <strong>FCU</strong>). <strong>ABCO</strong> <strong>FCU</strong> provides insurance products and services through CUFIG to members and non-members without opinion to the product or service provided.<br />
Insurance products are not federally insured and not obligations of <strong>ABCO</strong> <strong>FCU</strong>, CUNA, or any other affiliated entity.<br />
For complete details and a quote contact us: Phone: 888-439-0770 • Email: insurance@goabco.org
MAILING ADDRESS<br />
P.O. Box 247, Rancocas, NJ 08073-0247<br />
goabco.org<br />
PHONE (ALL LOCATIONS)<br />
800-225-1859<br />
MEMBER CARE<br />
Email: membercare@goabco.org<br />
24/7 TOUCH-TONE TELLER<br />
800-808-2226<br />
OTHER SUPPORT NUMBERS<br />
Visa® – Evenings, Weekends and Holidays<br />
Visa® Credit Card........................800-453-4270<br />
Visa® ATM/Check Card..............800-523-4175<br />
Bill Payer........................................877-760-6004<br />
OFFICE LOCATIONS<br />
WILLINGBORO AREA<br />
MAIN OFFICE<br />
FULL SERVICE BANKING CENTER<br />
690 Beverly-Rancocas Road<br />
LENDING CENTER<br />
East Ridge Shopping Center<br />
621 Beverly-Rancocas Road<br />
RANCOCAS VILLAGE<br />
215 Main Street<br />
BRANCH OFFICES<br />
ATLANTIC CITY<br />
2652 Atlantic Avenue<br />
BROWNS MILLS<br />
81 Pemberton-Browns Mills Road<br />
COOPER HOSPITAL<br />
(Hospital Employees Only)<br />
1 Cooper Plaza, Camden<br />
EGG HARBOR TWP.<br />
6716 Black Horse Pike, Suite 8<br />
GLASSBORO<br />
Doubletree Center, 870 Delsea Drive<br />
MOUNT HOLLY<br />
76R High Street<br />
RIDER UNIVERSITY<br />
Ground Floor of the BLC<br />
Next to University Bookstore<br />
FOR CURRENT HOURS OF OPERATION<br />
AND DIRECTIONS TO OFFICES<br />
Go online @ goabco.org or call us.<br />
<strong>ABCO</strong> <strong>FCU</strong>’s ROUTING<br />
AND TRANSIT NUMBER<br />
2312-7827-4<br />
Like Us<br />
<strong>ABCO</strong> <strong>FCU</strong> is not responsible for typographical errors, omissions or misprints in this publication.<br />
Avoid Dormant Account Fees and Escheat (sending the funds to the state)<br />
Dormant accounts are defined as accounts that have had no activity on shares/<br />
savings or loans for a period of 12 months or more. When this inactivity period<br />
has been reached, we will begin to notify you that your account has fallen into<br />
the dormant status. This means that unless activity resumes, your account may<br />
be subject to fees and ultimately escheated. Accounts that remain inactive will be<br />
assessed a monthly fee of $15 beginning with the 18 th month of inactivity. Also,<br />
New Jersey statutes require that any account that remains inactive for a three-year<br />
period is escheated (the funds are sent) to the State Treasury Department.<br />
These actions are easily avoidable by simply utilizing the products and services<br />
that <strong>ABCO</strong> membership provides. You also have the option to close your account.<br />
To find out more about all our services, please visit our website, goabco.org, or call<br />
Member Care at 800-225-1859.<br />
<strong>ABCO</strong> Helps Finance New Clean Energy Vehicles<br />
Through a joint venture with the Atlantic City Jitney Association, <strong>ABCO</strong> has helped<br />
jitney association drivers finance new clean energy vehicles. The new fleet of 190<br />
vehicles is clean-running, cost-efficient, domestically-fueled, Compressed Natural<br />
Gas-powered jitney shuttle buses. It is reported that the fleet conversion is the<br />
largest ever on the East Coast.<br />
The word “jitney” is a slang word for nickel, which is what it cost in 1915 for a ride in<br />
one of Atlantic City’s earliest “buses.” Even though the price has increased, the name<br />
stuck. The first jitneys looked very similar to regular cars and were, in fact, large,<br />
black Ford model-T touring cars which used a rope-and-pulley system to open<br />
the back doors. Now you can ride around Atlantic City and even to the airport in a<br />
modern eco-friendly vehicle.<br />
The Atlantic City Jitney Association, established in 1915, claims to be the longestrunning<br />
unsubsidized transit company in the United States. <strong>ABCO</strong> has had a strong<br />
relationship with the Jitney Association, its drivers and staff—most of whom are<br />
credit union members. We are proud to have helped our members and helped<br />
the environment.<br />
The new, Compressed<br />
Natural Gas-powered jitney.<br />
Pictured are the Treasurer of the Atlantic City Jitney<br />
Association, Frank Becktel, and President Tom Woodruff,<br />
celebrating the grand opening of the new Compressed<br />
Natural Gas (CNG) station that will provide power to the<br />
new Atlantic City Jitney fleet.
Special Guest Presenter—Helena Kosoff<br />
A former Superintendent of the Springfield Township,<br />
NJ School District, she currently serves non-profit<br />
agencies as a professional grant writer and<br />
educational consultant.<br />
The Early Bird Gets the Scholarship Money<br />
Have a child in 6th to 11th grade?<br />
Learn the secrets of success in winning scholarships and<br />
reasons for planning early in your search for financial support.<br />
Free seminar<br />
Date: March 12, 2013 • Time: 6:30 – 8:00 pm<br />
Place: Carlucci’s Waterfront Restaurant, Mt. Laurel, NJ<br />
Topics To Be Covered<br />
• An introduction to the wide-ranging scope of scholarships and grants<br />
• Financial aid and other financial support systems<br />
• The application<br />
• Financial planning—Find out ways to maximize your savings and<br />
alternative ways to fund the expenses that scholarships and grants<br />
do not.<br />
A Question and Answer Period will follow. Handouts will be provided<br />
This fast-paced, one-hour seminar is FREE to credit union<br />
members, their families and friends. Light refreshments will be<br />
served. Space is limited. Advance registration is required.<br />
Mail: <strong>ABCO</strong> <strong>FCU</strong>, P.O. Box 247, Rancocas, NJ 08073<br />
Attn. Early Bird<br />
Fax: 609-261-4785<br />
Email: elorenz@goabco.org<br />
Questions: Contact Eric Lorenz 888-439-0770 or<br />
Email: elorenz@goabco.org<br />
Reserve by: March 5, 2013<br />
ANNUAL<br />
MEETING<br />
Tuesday, March 26, 2013<br />
Time:<br />
6:30 pm - Meeting<br />
7:00 pm - Dinner<br />
Place:<br />
Carlucci’s Waterfront<br />
876 Centerton rd.<br />
Mt. Laurel, NJ<br />
Price:<br />
$25 per person<br />
Spouses, friends<br />
and guests<br />
are welcome.<br />
To attend you<br />
must return the<br />
reservation form<br />
at right by<br />
March 18, 2013<br />
Registration Form<br />
Yes, I/we would like to attend The Early Bird Gets the Scholarship Money<br />
Name<br />
Street Address<br />
City/State/Zip<br />
Home Phone<br />
Cell Phone<br />
Email Address<br />
No. of People Attending<br />
Names of Members and Guests:<br />
_______________________________<br />
_______________________________<br />
_______________________________<br />
_______________________________<br />
_______________________________<br />
_______________________________<br />
_______________________________<br />
TOTAL NUMBER ATTENDING _____ @ $25.00 each<br />
AMOUNT TO BE ENCLOSED OR DEBITED $_______<br />
Co-Presenter—Eric Lorenz<br />
Eric Lorenz is the Financial and Investment Specialist for<br />
CU Financial Insurance Group, a wholly-owned subsidiary<br />
of <strong>ABCO</strong> <strong>FCU</strong>. Eric brings more than 10 years of financial<br />
planning and investment management experience.<br />
DINNER RESERVATION FORM<br />
Deadline: March 18, 2013<br />
Bring form to: any Branch Office • Fax to: 609-518-6958<br />
Mail to: <strong>ABCO</strong> Federal Credit Union, P.O. Box 503, Rancocas, NJ 08073<br />
Method of payment—Check one:<br />
Share Draft/Check Enclosed for $ _________<br />
Please debit $ _________ from my:<br />
Share Draft Account Share Account<br />
Name ___________________________<br />
Signature _________________________<br />
Date ____________________________
<strong>ABCO</strong> <strong>FCU</strong> Co-CEO Ellen Kuiper Named a<br />
South Jersey Biz Magazine’s executive of the Year<br />
The editors of South Jersey Biz magazine asked their readers to<br />
nominate 20 business leaders who have been at the front of<br />
industry changes and economic growth.<br />
Ellen Kuiper, President and co-CEO of <strong>ABCO</strong> Federal Credit Union,<br />
was among the 20 business leaders chosen as 2012 Executive of<br />
the Year. She was also featured on the magazine’s cover.<br />
Mrs. Kuiper likes to say she’s done every job there is at <strong>ABCO</strong>, and<br />
she’s not exaggerating. Now in her 41 st year with the company,<br />
Member Appreciation Week Winners<br />
To celebrate International Credit Union Week, October 15-20,<br />
2012, <strong>ABCO</strong> held celebrations and drawings at all the branch<br />
offices. Here are a few of the winners.<br />
Tracy Adams (Glassboro branch) presents<br />
an iPad® to Laura Kramer. Laura, who’s<br />
been a member for only eight months,<br />
had this to say: “I like all of the benefits<br />
and perks of being with <strong>ABCO</strong>. I would<br />
recommend and encourage all of my<br />
friends to join.”<br />
I. E. Parker won an AMC movie ticket on<br />
the prize wheel at our Mt. Holly branch.<br />
Julia Day (Mt. Holly branch) presents the $500<br />
Members Matter Most Sweepstakes check<br />
to Lewis L. Price III. Lewis has been an <strong>ABCO</strong><br />
member for over 20 years.<br />
Barbara A. King won a $5 Wawa<br />
gift card on the prize wheel at<br />
our Browns Mills branch.<br />
Do You or a Family Member Belong to Another Credit Union?<br />
<strong>ABCO</strong> <strong>FCU</strong> is now part of a national network of cooperative<br />
credit unions, providing free, easy-access member accounts at<br />
shared branching locations across the tri-state area, the country<br />
and the world. At member credit unions that display the CUSC<br />
logo, you can now enjoy a host of services, just like you would<br />
she got her start when she was just 17, working out of CEO<br />
Milton Hershberger’s garage. Now out of the garage, <strong>ABCO</strong> has<br />
grown to nine branches located throughout South Jersey and has<br />
grown to $175 million in assets. Mrs. Kuiper went from being the<br />
first and only employee to overseeing the 78 now working under<br />
the company’s umbrella.<br />
“We work as a team and everyone deserves credit to what this has<br />
now become,” Mrs. Kuiper likes to say. “I love every minute of it.”<br />
<strong>ABCO</strong> Adds Two to Business Department<br />
<strong>ABCO</strong>’s Business Department is growing. As of<br />
January 2013, two new people will be on board to<br />
serve the business community.<br />
John C. Hall is the Director of Business Development<br />
and Government Relations. As such he will be<br />
responsible for developing relationships with<br />
school districts and municipalities for deposits<br />
and lending needs. He previously held the<br />
position of Vice President, Government Banking<br />
with Beneficial Bank.<br />
Robert H. King is the Director of Commercial<br />
Lending. He was previously a Senior Vice President<br />
of Roma Bank where he served as the leader of<br />
the bank’s Southern Region Commercial Loan<br />
Center. Mr. King has held executive positions<br />
within the Delaware Valley banking community<br />
for over 30 years.<br />
John C. Hall<br />
Director of Business<br />
Development and<br />
Government Relations<br />
Robert H. King<br />
Director of<br />
Commercial Lending<br />
at your home credit union. These include: deposits, withdrawals,<br />
transfers between accounts, loan payments and more.<br />
For more information and a list of participating credit unions,<br />
visit www.cuservicecenter.com.<br />
goabco.org • 800-225-1859
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