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Your life is hectic. Work. Appointments. Classes. Sports. Homework. Dishes. Laundry! Make one important aspect of it easier. Enroll in our convenient services and manage your money on your schedule. In addition to earning yourself some extra time, you can earn a rate reduction of .10% on a new or refinanced loan for each convenient service you enroll in. Better yet, enroll in a bundle and save a bundle - enrollment in all five gets you a loan rate reduction of .50%! These timesaving convenient services are available for you 24/7: • Direct Deposit/Payroll Deduction Take Advantage And Get Ahead This Year
Ready to make some serious changes? If you were to take out a 15- year Home Equity Loan of $35,000 at 6.49% APR* and also take advantage of these discounts, your rate would be brought down to 5.74% APR* after the .75% rate reduction. That's a difference of $304.72 versus $290.48 per month. You would save a total of $2,563.20 over the full term of the loan! Enrolling Is Easy Plus, Refinance And Cash In! Act Now - These Special Promotions Run Until March 31, 2010. Take Advantage And Save Time And Money in 2010! *APR=Annual Percentage Rate. Rates subject to change without prior notice. Rates
shown for qualified borrowers. This promotion excludes Better Choice loans, 90-day
Balloon loans, Home Equity Lines Of Credit and Mortgages. Contact the credit union for
complete details. President's Message Credit unions are member-owned nonprofit financial cooperatives that exist to help people, not to benefit stockholders. The goal is to serve all members with respect and integrity. The philosophy of people helping people is the foundation of credit unions, and Choice One is here to help you reach your goals and live the best financial life possible. Throughout history, credit unions have been there during difficult times to get people from barely surviving all the way through to thriving. In these challenging times, I want to reiterate that Choice One continues to put members first - and always will. Unity, solidarity and camaraderie set credit unions apart from other financial institutions and industries. We want to assist you and provide you with the tools to build your financial future. We continually focus on what helps our members - not profit margins. That is why credit unions are always your best choice for financial services. We have your best interests in mind, and we offer reliability and security to our members. Wherever 2010 takes us as a world, as a country and in our individual lives, we'll be here for you - throughout 2010 and beyond. Sincerely Yours, Thomas Smith
The saying "time flies" is an understatement. When was the last time you sat down to enjoy a cup of coffee, never mind think in depth about your future? For that very reason, it is of the utmost importance to prepare for retirement as early as possible and set up an Individual Retirement Account (IRA) today. In the past few years, tax law revisions have made it easier to save for retirement and education by allowing individuals to contribute more to their IRAs. If you're tired of watching your net worth go down instead of up, why not shelter at least some of your hard-earned money here at Choice One CU? Our Traditional IRAs provide steady, risk-free growth with competitive rates and NCUA insurance from the National Credit Union Administration (NCUA). Here are some guidelines to keep in mind:
Enroll Today
If you haven't done so yet, take advantage of some energy efficient home improvements and save on your taxes. If you have already done so, don't forget to claim these tax credits when you file for 2009! According to www.energystar.gov, the following tax credits are available for consumers. Most credits are for existing homes and expire after 2010, but some are also for new construction and are valid through 2016. Tax credits are available at
30% of the cost, up to $1,500,
in • Windows and Doors Tax credits are available at 30% of the cost, with no upper limit, through 2016 (for existing homes & new construction) for: • Geothermal Heat Pumps We Can Help
*APR=Annual Percentage Rate. Holiday Closings
Dormant Account Alert! Member accounts with no activity for six months will be classified as dormant. Accounts dormant for five years or more will be turned over to the Pennsylvania Department of Revenue. State law requires financial institutions to report all abandoned and unclaimed property in their possession, five years or more from the date it was first abandoned. Credit union policy allows for a maintenance fee of $2 per month to be assessed on dormant accounts with balances of $50 or less. A dormant account can be reactivated by making a deposit or a withdrawal. Contact us if you have any questions. Wiring Money If wiring money to or from your Choice One account, call us first at (570) 823-7676, ext. 248. It's So Easy - And Affordable - To Be Green! Turn It Off: For decades, parents around the world have been right. Turn off lights when you leave a room. You'll be saving energy and money - plus you'll make Dad proud. Unplug It: Unplug items when not in use. It is one of the best things you can do for the planet - and your bank account. Many appliances, such as computers and televisions, eat up electricity even when they are in standby mode. Change Your Light Bulbs: Change your bulbs to energy-efficient fluorescent. It's a smart choice because they use four to six times less energy than incandescent bulbs and last much longer! If It's Broken, Simply Fix It: How many times have you thrown away something simply because it is broken? In our busy lifestyles, it certainly is easier to run out and replace the item, but think about the toll this takes on our landfills and on our wallets. Grab a needle and thread, some glue, a hammer, or even duct tape - and get to work! Airtight Is Alright: Especially if you live in an older home, you know how chilly it is when you walk by a drafty door or window. That draft is even chillier on your bank account. Make those areas airtight by inexpensively caulking them or installing weatherstripping. This easy DIY project will save some serious dough on your heating bills. Install Insulation: Even if you already have insulation in your attic, it's a good idea to check the levels. Chances are you can use more, and adding on will save energy and increase the efficiency of your heating and cooling systems. Poor insulation levels are a top reason for energy loss. Save even more - consult your tax advisor for tax credit eligibility!
Your life is hectic. For many of us, it feels like there are not enough hours in the day to tackle our to-do lists, and often we find ourselves frazzled, frenzied and certainly not enjoying the moments of life that make it special. Let us help you get more done with our Convenience Services. They're there for you 24 hours a day, 7 days a week. With our Convenience Services, manage your money on your schedule and get on with enjoying life. FREE Virtual Branch® Account Access - With our Virtual Branch Account Access, you can manage your money from any computer or mobile device when it's convenient for you. You can do whatever you need, when you need to do it! Transfer funds, review account balances, make loan payments and more! It's money management on your schedule. FREE Bill Payer - Once you sign up for Virtual Branch, you can utilize our Online Bill Payer service. With Online Bill Payer, pay your bills electronically in a quick and secure manner. This service is easy to set up and it allows you to manage all of your bills in the same location, providing you with peace of mind and bill paying convenience like never before. FREE E-Statements - Getting your Choice One statement online each month is the most convenient and secure way to review your account - and it's free! Obtain your statements on the first day of the month. Review, print, or save your statements anytime, day or night. Maintain accurate records through an exact reprint of your statement. To use this service you must sign up for our Virtual Branch service. Just sign in to your Virtual Branch account and you can say goodbye to paper clutter and hello to convenient access to your statements. FREE Share Draft Checking - Our full-featured Checking Account allows you to save money and conveniently manage your monthly finances. With NO per check charge, NO monthly service charge and NO minimum balance, Choice One checking is your alternative to the high checking fees and service charges at other financial institutions. Plus, if you run out of checks, you can simply reorder them online. VISA® Check Card - You've got the cash-back convenience of an ATM Card, combined with the purchasing power and worldwide access of VISA. Our VISA Check Card works just like a check, except there's no check to write. Simply present it as you would a credit card. Your purchase is deducted from your Checking Account. Plus, there's no interest, or check acceptance problems when you're out of town. The Choice One VISA Check Card is the ultimate in convenience. BARB - BARB, our Audio Response System, is such a flexible solution to fit your busy schedule. Call BARB at (800) 610-2788 24 hours a day, 7 days a week to verify account balances, conduct financial transactions and much more from the privacy of any touchtone phone. BARB is the quick and convenient way to access your accounts. Direct Deposit - Our Direct Deposit service is a great way to save some time and get your money even faster. It is a safe and free way to automatically deposit your entire net pay, Social Security, or pension check(s) into your Choice One Accounts. You'll never again have to make a special check-cashing trip or worry about a lost, stolen, or mail-delayed check. Your money is automatically transferred and immediately available every payday. Use this Routing Number to have your funds directly deposited: 231386878. Payroll Deduction - Payroll Deduction is a great way to start
saving a portion of your paycheck for both expected and
unexpected financial needs. You can designate portions of your
directly deposited funds to be distributed to your Savings Accounts
It's Easy To Get Started! Direct Deposit Your Tax Refund Why wait for your refund check to arrive in the mail when the super fast and safe option of obtaining your refund via Direct Deposit is so easy? It's simple to have your tax refund deposited directly into your Choice One account. When preparing your taxes this year, follow the steps to the right, and you'll have the convenience of quick access to your refund and the money in your account just days after you file your taxes!
It's easy to have your federal tax refund direct deposited into your Choice One Credit Union Share Draft Checking or Share Savings Account. Simply use Form 1040, 1040A or 1040-EZ and complete the following three steps: Step 1: Enter Choice One CU's Routing & Transit Number: 231386878 Step 2: Check either Checking or Savings Step 3: Enter your complete Choice One CU Member Number. Please do not enter any spaces or dashes. It's Easy To Get Started
Our Youth Programs get kids saving easily and spending wisely. Each program is customized based on the needs of that age group. These programs are a smart way to get your child on the path to a sound financial future. Enroll your child in these programs today; it will pay dividends. Dollar Dog Kids Club® - For Kids 12 And Under
cha-ching!SM - Just For Teens! the edgeSM - Young Adults musicstream LIVESM Get Your Child Started Today
*Accounts and other services may require co-owner over 18.
Now that your schedule is free of shopping, celebrations and revelry, what is left over - besides the memories (and the wrapping paper)? The bills! Keep at least one resolution this New Year, and get your finances back on track. Save money on high interest post-holiday debt with a loan from Choice One Community CU. If you have credit cards accruing interest - especially if you can only afford to make the minimum payment - you are headed towards an avalanche of problems. Let us help you get out from under those high interest charges and get ahead financially. Combine your high interest bills into easy-to-handle payments by taking advantage of one of our money-saving loan options. For more information or to get started, call (570) 823-7676, ext. 233 or stop by a branch. Getting ahead this year really is possible. Let Choice One show you how. |
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Simplify And Save
You see the headlines. You watch the
news. You know what is going on out
there. For those very reasons, the value
of a credit union membership has
never been more important for your
financial security.
Plan For Tomorrow, Today
2009 & 2010 (for existing
homes only) for:
Conveniences At Choice One - Your Community Credit Union
(Christmas Club, Vacation Club, etc.), Checking Account or Choice
One Loan accounts. It will help you set up a no-excuses savings plan
and to make your loan payments automatically. And there's no sign
up fee! 
Youth Programs - It's Hip To Save
Consolidate Debt And Get Ahead
