New Wheels Start Here
Spring into summer behind the wheel of a new car. Whether it's new or just new to you, the best place to finance your vehicle is
at the credit union.
We are offering GREAT new car rates are *as low as 3.49% and used car rates are *as low as 3.99% !! 
And because we want you to buy the vehicle that's right for you and not the one the dealer wants to sell you, you will be in a better negotiating position with a
pre-approved loan from the credit union.
Thanks to the Web, you can now do most of your vehicle-buying research from the comfort of your computer. If you have any questions, call on us. We help members with vehicle purchases almost every day. We're happy to share our experience and expertise with you.

*based on credit score, limited time only,
excludes motorcycles and RV's

 GM and Chrysler 
Offer Member Discounts!
PA Credit Unions along with General Motors and Chrysler Group LLC have announced the "Invest in America" credit union loan partnership. Buying or Leasing**, save money with GM's Supplier Pricing* on new GM vehicles. This is in addition to most current incentives and special offers! 
Chrysler Group LLC is offering all current and eligible credit union members the Affiliate Rewards* preferred pricing on eligible Chrysler, Dodge, Jeep or Ram Truck. Credit union members can save thousands of dollars with the Affiliate Rewards* preferred pricing!
Finance with your credit union and save even
more with low auto loan rates.
To take part in this great discount, go to www.lovemycreditunion.org for more information.
* GM Supplier Pricing is valid through September 30, 2010.
**Lease Cash Back is valid through March 31, 2010. 
Residency restrictions apply.  Must take retail delivery by 3/31/10.
* Chrysler discounts valid through March 31, 2010.
See dealer for details.

The Clock is Ticking On Your 2009 IRA Contribution
Hear that sound? That's the clock ticking on making your 2009 contributions to your Individual Retirement Account. You have until April 15, 2010 to open or add to an IRA for the 2009 tax year. You can contribute up to $5,000 to either a Roth or Traditional IRA if you meet certain income guidelines. If you are 50 years of age or older before 2010, you can contribute up to $6,000. This limit can be split between a Traditional IRA and a Roth IRA. The maximum deductible contribution may be reduced depending on your modified adjusted gross income, but the AGI limit has increased for 2009 for both Traditional and Roth IRAs. For complete details, refer to IRS Publication 590 (visit www.irs.gov or the library) or ask your tax advisor. Then call or stop by the credit union to make your 2009 contribution before time runs out.

A Better
Credit Card
News about credit cards jumped from the personal finance page to the front page in 2009, as many of the tactics employed by credit card companies came under scrutiny. So isn't it nice to know that your credit union's credit card has always had consumer-friendly features and benefits? For example, when credit card companies were shortening their grace periods - the length of time between the arrival of the monthly statement and the payment due date - your credit union's credit card maintained a grace period of 25 days. And credit card companies typically charged a transaction fee of 3% with a minimum fee of $10, so a cardholder who took a $50 cash advance had to pay the $10 minimum. That amounted to a transaction fee of 20%! We do not charge hidden transaction fees or minimum fees for cash advances or balance transfers. So spread the news: When you're looking for a fair deal on a credit card, look no farther than your credit union.

Please Pass
the Word
Do you know someone who could benefit from belonging to the credit union? Because you are a member of the credit union, members of your immediate family are also eligible to join. And chances are many of your friends and neighbors can participate in the benefits of belonging, too. Please pass the word about the credit union difference. As a financial cooperative, any profits don't land in the pockets of a few shareholders. Instead, they are returned to member/owners in the form of lower rates on loans, higher rates on savings, or improved services. The more members who join the credit union, the stronger we become. So do yourself and your family and friends a favor and direct them to the credit union. They will thank you for it, and so will we!

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