What's New!



Mohegan Sun at Pocono Downs
Route 315 Plains, Pa.
Sunday, September 13, 2009
11:00 A.M. - 4:00 P.M.
Rain or Shine
$10.00 Donation to enter and all proceeds go to the
Fun, Ribs, Wings & More
Any questions call Choice One Community Credit Union 823-7676 ext 244.

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Summer is almost here so now’s the time to dust off your wish list! What does that include? Home renovations? A vacation? College? Loan consolidation? Another great goal?
Whatever your dream, finance it with a very affordable Choice One Home Equity Loan or Home Equity Line of Credit. Borrow against the equity you have in your house and make those wishes come true. We have money to lend and, even better, this type of loan could be tax-deductible (ask your tax advisor).
It’s So Affordable!
Borrow up to $10,000 at a great low rate – as low as 3.25% APR* for a variable-rate Home Equity Line of Credit. Repayment terms are convenient and you won’t have to disturb your savings or other investments. You’ll also receive a $10 cash rebate for every $1,000 borrowed!** That’s a very affordable idea!
Put Your Home To Work!
Apply online at www.choiceone.org, give us a call at the branch or use our 24/7 Loan Call Center service.
*APR=Annual Percentage Rate. Rates and terms are subject to change without notice. Other rates and terms available. Loan must be for new money. Rate shown is applicable for members with Auto-Pay. Add .25% for members without Auto-Pay. Contact the credit union for complete loan details.
**Consolidate debt from another financial institution to receive cash rebate of up to $100. Cash rebate will be deposited into member’s Share Savings Account at loan closing. Contact the credit union for complete offer details.
†This new special introductory rate will be in effect from July 1, 2009 through December 31, 2009. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate is 5.00%. The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details.
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Consolidate and save every month when you choose Choice One for your loan! Whether you want to lower your monthly payments or consolidate your loans or credit card bills, we offer a variety of refinancing opportunities to help you save.
The Perfect Solution For Homeowners
A Choice One Home Equity Loan or Home Equity Line of Credit is the perfect way to refinance your existing high interest debt into one affordable monthly payment. Plus, the interest is usually tax-deductible! (Check with your tax advisor for details.)
Personal Loans:
Another Great Opt ion If you don’t own a home, choose a Choice One Personal Loan or Personal Line of Credit. Enjoy a lower rate and fewer monthly payments
Start Saving Now!
Stop by one of our offices, call (570) 823-7676 or apply online at www.choiceone.org. Let us help you save money by consolidating today!
Invest In America & Save!
Get a great deal on a new GM or Chrysler vehicle with low interest rate financing from Choice One. Through this special program, you get a cash rebate of $1,000 to $2,000 on select models OR 0% financing for 60 months through the dealership.
Look How Much You Could Save With The Rebate & Choice One Financing!
| Your New Vehicle |
Selling Price |
Your Monthly Payment With 0% Dealer Financing |
Your Monthly Payment With 5.50% Credit Union Financing†
|
Monthly Savings |
| GMC Sierra Crew |
$26,500 |
$441.67 |
$420.23 |
$21.44 |
Visit www.lovemycreditunion.org for details on the Invest in America program.
|
Hurry – The Special Cash Rebate & Invest In America Offers End June 30, 2009!
*Personal Loan payment shown is calculated based on 6.74% APR. Home Equity Loan payment shown is calculated based on 4.25% APR. APR=Annual Percentage Rate. Rates and terms are subject to change without notice. Other rates and terms available. Rate shown is applicable for members with Auto-Pay. Add .25% for members without Auto-Pay. Contact the credit union for complete loan details.
**Cash rebate of up to $100 will be deposited into member’s Share Savings Account at loan closing. Contact the credit union for complete offer details.
†Based on a 60-month loan at the credit union national average of 5.50%.
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Keeping your money safe and sound is our primary focus at
Choice One. We want to assure you that your funds are completely
secure with our credit union.
Our deposit accounts are insured to at least $250,000 including
Individual Retirement Accounts. Coverage is provided by the National Credit Union
Insurance Fund, and administered by the National Credit Union
Administration (NCUA), a federal agency comparable to the
Federal Deposit Insurance Corporation (FDIC).
We never make risky loans or jeopardize our members’ financial
security. Instead, we do everything possible to protect and grow
your assets. You can sleep well, knowing your money is safe
with us!
For more information, please visit ncua.gov.
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Earn FREE Bonus
One Rewards™
Every time you use your Choice
One VISA® Check Card, select
"credit," then sign your receipt,
you will earn Bonus One Rewards!
You receive one point for every
$2 in purchases you make.
Our VISA Check Card offers convenient access
to your Checking Account anytime! Your card is
accepted worldwide, and purchases are automatically
deducted from your Checking Account. It's the
easy, convenient way to access your funds
anytime, anywhere!
You can use your points for a number of
exciting rewards, including:

- Shopping And Dining Gift Certificates
- Valuable Brand-Name Merchandise
- Round-Trip Airline Tickets
- And Much More!
To view a complete catalog of rewards, visit www.bonusonerewards.com.
Get Your Card Today
Stop by the credit union or give us a call at (570) 823-7676 for more information.
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A smart savings plan as simple as 1-2-3 is the best way to
make sure you accomplish all of your goals for the future.
- Bring us your loose change and deposit it into your Share
Savings Account to start saving for a rainy day, a vacation,
retirement, a college education or for any reason.
- When you cash your check, let us deposit your change – it’s
a painless way to save and you’ll be surprised at how
quickly the savings add up!
- Take advantage of a variety of our savings strategies
to get you headed down the path to success.

Share Savings Account – A Share Savings Account offers flexibility and
instant access to your cash at no cost to you. Pay yourself first through
regular deposits or Payroll Deduction to build a reserve for your future.
Making consistent deposits today is the only way to guarantee you’ll have
the money you need tomorrow.
Money Market Account – Enjoy a higher-than-savings interest rate, while
still having convenient access to your funds when you need it. The Money
Market Account is a great way to raise the return on your financial investments!
With a minimum deposit of $5,000, these deposits can earn yields as high
as 4.24% APR* and you can make up to 6 withdrawals each month!
Share Certificates Of Deposit – Certificates
are a safe and simple way to save. Whether
you have short- or long-term savings goals,
we offer competitive rates and terms ranging
from 6 to 60 months to meet your needs. You
can start earning more on your money with as
little as $500.
Club Accounts – Our Holiday and Vacation
Club Accounts allow you to put money away
periodically throughout the year to start saving
for the holidays or your next vacation. It’s the
no-excuses way to save!
Individual Retirement Accounts (IRAs) –
IRAs let you save money to supplement your
pension or Social Security benefits. We offer
Traditional and Roth IRAs and Coverdell
Education Accounts so you can choose the
product that’s best for you. With a Choice One
IRA, you can save money now, take advantage
of yearly tax deductions, plus defer taxes on
the interest your IRA accumulates.
Make The Most Of Your Money!
The larger your deposits, the greater the yield!
Take advantage of higher yields on your savings
by maintaining higher deposit balances. The
more you save, the more you’ll earn!
*APR=Annual Percentage Rate. Rates are subject to change without notice.
Minimum balance of $5,000 required for dividend. Any withdrawal must be
at least $500 and made by check. Maximum of 6 withdrawals allowed per
month. Minimum of $100 required in Primary Savings Account.
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Choice One Community Federal Credit Union is now offering "Better Choice Loans", a program designed to help you become financially sound by using a wealth-building alternative to payday lending.
A consumer friendly short-term installment loan that is hassle free and features a low rate, a low fee and a personal savings opportunity.
- Maximum Loan Amount - $500.00
- Maximum Term - 90 days
- Interest rate - 13.50%
- $25.00 non-refundable application fee
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Choice One Community is Your Home for Mortgages!!
Good News! Choice One Community Federal Credit Union is now a full-service mortgage provider! Whether you're a first time home-buyer, or looking to refinance your existing mortgage, you can count on the knowledgeable staff at Choice One Community Credit Union to find the best mortgage for you. We offer a variety of different mortgages with great rates and easy plans. You can also receive a pre-approval, which assists you in determining the house you can afford and puts you ahead of the competition.
For more information on mortgages, contact Cathleen Casey at (570) 823-7676, ext. 233. Mortgage rates are updated daily, Monday through Friday.
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