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What's New!

Starts October 10, 2008
Purchase a vehicle at MotorWorld and finance your purchase at Choice One and receive your rewards!
A Winning Choice: MotorWorld & Choice One
You'll Be Rewarded!
Fall into seasonal savings during our special MotorWorld fall vehicle sale starting October 10, 2008! Purchase a car, truck at MotorWorld and finance it with a Choice One Vehicle Loan – you’ll come out way ahead!
In addition to our great low rates, cash in on five car washes and a $25 deposit into your Share Savings Account.** Choose win-win savings during this limited-time offer!

It’s The Saving Season!
Take a fall foliage trip while the leaves are still ablaze. Or enjoy a visit with the family during the holiday season. Wherever you travel, you’ll do it affordably and in style with your vehicle from MotorWorld and Choice One Vehicle Loan.
Head over to MotorWorld during the fall sale and take advantage of this great offer. Receive Choice One financing right at the dealership, making for one-stop savings on your next vehicle purchase. To learn more, stop by the credit union or call (570) 823-7676 ext. 233.
Visit MotorWorld at www.motorworldgroup.com.
Don’t Put It Off – Sale Ends October 31, 2008!
*APR=Annual Percentage Rate. Special rate of 4.74% APR is good for 48 months and applies only to loans with AutoPay. Loans without AutoPay will carry a rate as low as 4.99% APR with terms up to 84 months. All rates are subject to change without notice. Rate shown is for qualified borrowers. Other rates and terms are available. Contact the credit union for complete loan details.
**This is a combined offer. Make your best deal on a package price. $25 cash bonus will be deposited into member’s credit union account and five car wash certificates will be awarded to member after approval and during processing of the Vehicle Loan. Contact the credit union for complete details.
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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 $100,000 and
Individual Retirement Accounts are separately insured up to
$250,000. 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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Credit union members celebrated Member Appreciation Day at the credit union with pony ride, give-a-ways, food, face painting, free
ice cream, massages and more. Several of our business partners were there as well. Thanks to Members Financial Services, Harland
Clarke Checks, Nationwide Insurance, Sam's Club and Fitness with EASE for their support.
The big winners of our Member Appreciation Day Celebration drawing were:
| $2,000 Vacation Voucher |
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Tracey Sampson |
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Wilkes-Barre, PA |
| 2 Tickets Radio City Christmas Show |
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Angela Martin |
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Wilkes-Barre, PA |
| 2 Tickets New York Train Ride & Winery |
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Karen Haller |
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Wilkes-Barre, PA |
| 2 Tickets to Atlantic City, NJ |
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Shannon Smith |
|
Shavertown, PA |
| 2 Tickets to New York City |
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Susan Hooper |
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Plains, PA |
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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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