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Purchase a vehicle at MotorWorld, finance your purchase at Choice One and receive your rewards:
Five Car Washes
$25 Cash Deposit
A Winning Choice: MotorWorld & Choice One
Fall into seasonal savings during our special MotorWorld fall vehicle sale starting October 10, 2008! Purchase a car, truck or crossover vehicle at MotorWorld and finance your vehicle 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 in your Share Savings Account.** Choose win-win savings during this limited-time offer!
Choice One Vehicle Loans Offer:
Low Interest Rates
Up To 125% Financing
Terms Up To 84 Months
And More!
 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 a
Choice One Vehicle Loan. Head over to MotorWorld during our fall sale and take advantage of this great offer. You can 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.
*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 Vehicle Loan. Contact the credit union for
complete details.
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 Convenience is Job One at Choice One! We’ve made it our business to simplify your life and put financial management in the “easy” category for you. Simply sign up for Checking and Convenience Services to take care of your business whenever and wherever you choose. These services are completely FREE for our members – and so easy. You’ll wonder how you ever lived without them!
Choice One Checking – Your First Step
Choice One Checking is your first step to easy management of your finances. It’s your alternative to the high checking fees and service charges of “the other guys.” It’s also your first step toward all our 24/7 Convenience Services. Our Checking Account features:
VISA® Check Cards Are Your Solution
With a VISA® Check Card, you’ll enjoy the convenience of shopping without your checkbook or large amounts of cash. Use the card to pay for purchases at millions of locations throughout the world – wherever the VISA logo is displayed. The charge is automatically deducted from your Checking Account, so you won’t have surprises when your monthly bills arrive in the mail. It’s a FREE, convenient and safe way to travel or shop!
Earn Bonus Points!
For every $2 you spend, you’ll earn one point from the Bonus One RewardsTM Program! Use your Check Card for all your expenses – just be sure to select “credit” when you make your purchase. Bonus One points can be redeemed for gift certificates, brand-name merchandise, airline tickets and much more! You can also use your Check Card to verify account balances, make transfers and cash withdrawls. It’s the all-purpose card for your wallet!
Payday Is Easy With Direct Deposit
Once you open a Choice One Checking Account, your next step should be signing up for Direct Deposit. Have your pay, pension, government or other regularly-issued checks automatically deposited in your credit union account. You’ll never again worry about lost, stolen or delayed checks, and you’ll save gas not making trips to the credit union to deposit your check. Funds are available immediately. And there’s more! You can qualify for a free VISA Check Card – more convenience – when you have Direct Deposit.
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Virtual Branch
Virtual Branch® Account Access gives you round-the-clock access to your account – wherever and whenever you choose. Manage your money at home, in a café, on the road…even at the beach! With the click of a mouse, you can:
- Get Account Balances
- Make Loan Payments
- See Checks That Have Cleared
- Access Bill Payer
- Review Account Histories
- Pay All Your Bills
- Transfer Funds
- And More!
It can’t get any more convenient than this! Of course, we always love to see you at the credit union, but for those times when you’re away or we’re not open, go online and manage your money when it suits you!
E-Statements
Cut the clutter and save a tree by viewing your Choice One statements online. To use this service you must first enroll in our Virtual Branch Services. Then just log on to your Virtual Branch account and sign up for this convenient, electronic service.
VISA Credit Cards
Classic, Gold & Platinum
We give you options! Since we offer VISA Classic, VISA Gold and VISA Platinum Credit Cards, there’s sure to be one that suits your lifestyle! Our affordable VISA Cards are perfect for shopping, travel and emergency cash. They offer:
- Low Interest Rates
- 25-Day Grace Period On Purchases
- NO Annual Fees
- Bill Payment
- FREE Travel/ Accident Insurance
- Cash Advances Worldwide
Instant Savings!
Transfer your high-interest credit card balance(s) from another financial institution to one of our low-interest VISA cards. You could save money instantly!
BARB’s On Call 24/7!
BARB is a quick way to access your accounts using a touch-tone phone. Call (800) 610-2788 toll-free to verify account balances and checks cleared, withdraw and transfer funds, and much more! BARB is a user-friendly Audio Response System that’s always open for business!
Get Started Today!
To sign up for a Checking Account and our other Convenience Services, call us at (570) 823-7676 ext. 258, come in or apply online. It’s easy to get started – and you’re going to love all the time, money and gas you’ll save!
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Choose a fuel-efficient vehicle to save money and help the environment. With high gas prices here to stay, it’s important to find the vehicle that meets your driving needs and your family’s budget.
There are lots of choices, ranging from hybrids (powered byfuel and electricity) to natural gas, electric and diesel models. Choose a small vehicle like the SmartCar, a hybrid SUV or any other fuel-efficient vehicle.
 Do Your Homework!
Consider costs over the vehicle’s lifespan by weighing long-term fuel savings against the cost of a new vehicle. To get accurate information on green vehicles, go to www.fueleconomy.gov. Compare new and used vehicles side by side for gas mileage, greenhouse gas emissions, air pollution ratings and safety information. Save money and the environment.
Shop around to find the vehicle you want, then come to the credit union for affordable financing. Have your loan preapproved or choose on-the-spot Choice One financing at the dealership. We offer financing up to 125%, terms up to 84 months and rates that suit your budget!
Apply Today!
Stop by our office or call (570) 823-7676 ext. 233 for more information. You can also apply online.
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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!
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Parked cars are the newest target of ID thieves, especially at health clubs, parks, ball fields and other recreational facilities. That’s because people visiting those locations often lock their wallets and credit cards in their cars while they go for a workout or to watch a game. Thefts that previously might have happened in locker rooms have moved to parking lots.
 Crooks now have devices that allow them to enter a car, steal a credit card or two, then re-lock the doors. Most people don’t realize right away they’ve been “hit” because there are no signs of a break-in. These clever thieves don’t take the entire wallet or all the credit cards – they only take a couple of cards and use them immediately to purchase big-ticket items, usually electronics, before the theft is discovered. When the owner calls the credit card company to report the missing card – sometimes not until much later – thousands of dollars in charges have been rung up.
To avoid being a victim of parking-lot thieves:
- Don’t keep valuables in your car.
- If you do leave your wallet or other valuables there, don’t
think they’re secure if you throw a towel or jacket over them.
- When you get new credit cards, write “Ask for ID” instead of
your signature on the back.
Click here for more information on ID scams and don’t become a victim of the parking-lot plot!
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 If you travel or don’t live near the credit union, you’ll be pleased to know you have access to your accounts at over 3,000 credit union offices that “share” services through the nationwide CU Service Center Network. Sharing…it’s a concept you don’t hear much about from banks. While they’re busy merging and downsizing their services, we’re focused on providing you with the convenient, personalized service that only credit unions can deliver – no matter where you travel or live.
All of the CU Service Centers give you the same high-quality service you’ve come to expect from your credit union, whether you’re across town or traveling cross-country. They’re not just ATMs, but fully-staffed offices where you can conduct your business in person.
 To find a location near your home or where you’ll be traveling, go to the online directory or call (800) 919-2872. When you visit a Shared Service office, give the teller your credit union’s name, account number and provide a valid photo ID. The Member Service Representative will be linked automatically to your Choice One account. You can make deposits, withdrawals, transfers and loan payments – it’s that easy!
The CU Service Center is perfect when you’re away on business or vacation. If you’re relocating for a new job or retirement, you can take your credit union with you. We’ll always be there for you through the CU Service Center Network!
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If you haven’t visited our website lately, you should come see what’s new! We have a Video Window that lets you take a tour inside the credit union, see all our products and services and get to know us better. Go to www.choiceone.org and take our virtual tour – you’ll get to know us better!
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Holiday Closings
The credit union will be closed to observe the
following holidays:
Columbus Day – Monday, May 26, 2008
Veterans Day – Friday, July 4, 2008
Thanksgiving Day – Monday, September 1, 2008
Christmas Eve - Wednesday, December 24, 2008
(closing at 1 p.m.)
Christmas Day – Monday, October 13, 2008
New Year's Day - Thursday, January 1, 2009
Martin Luther King, Jr.'s Birthday - Monday, January 19, 2009
Loans Online At Choice One!
Choice One’s loans give you affordable
options to finance your life. Low rates,
flexible terms and hassle-free applications
help you meet your goals now and into
the future. The best part is now you can
apply online. You’ll save lots of time and
get your answer within 24 hours!
See us for:
- New & Used Vehicle Loans
- Mortgages
- Home Equity Loans
- Signature Loans
- VISA® Credit Cards
- Refinancing
We have loans for any reason. Visit us at online and see how many choices you have!
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Saturday, September 6th
Credit union members celebrated Member Appreciation Day at the credit union with pony rides, 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 |
Tracey Sampson |
Wilkes-Barre, PA |
| 2 Tickets Radio City Christmas Show |
Angela Martin
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Wilkes-Barre, PA |
| 2 Tickets New York Train Ride & Winery |
Karen Haller |
Wilkes-Barre, PA |
| 2 Tickets to Atlantic City, NJ |
Shannon Smith |
Shavertown, PA |
| 2 Tickets to New York City |
Susan Hooper |
Plains, PA |
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You know all about the benefits of belonging to Choice One: lower rates on loans, higher yields on savings, 24/7 convenience and top-notch member service. Don’t keep us a secret!
Spread the word to your family, friends, neighbors, coworkers… everyone you know who would like to reap the rewards of membership. Refer them to become a member and you’ll both be $5 richer! That’s right – when your referral joins, we’ll make a $5 deposit in both Share Savings Accounts.
How Many New Members Do You Know?
 Think about it. Anyone who lives, works, worships, attends school or does business in Luzerne, Lackawanna or Wyoming Counties can be a Choice One member. That’s a lot of referrals – and a lot of $5 deposits in your account!
Fill out the coupon (make as many copies as you need) and send us new members. For details on membership eligibility, visit us online or call
(570) 823-7676.
MEMBERSHIP COUPON
Yes, My referral and I would like a $5 Cash Bonus!
I'm referring:
____________________________________________________
Referral's Name
____________________________________________________
Member's Name
____________________________________________________
Member's Account Number
Complete coupon, then bring your referral (and the coupon) to a
Choice One branch – we’ll do the rest. When your referral joins,
we’ll deposit your $5 reward in your account (and theirs too)!
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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Nationwide Insurance Company of America. Home Office: Columbus, OH 43215. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide, Nationwide is On Your Side, and the Nationwide Framemark are federally registered service marks of Nationwide Mutual Insurance Company. ©2007 Nationwide Mutual Insurance Company. All Rights Reserved.
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The better your credit, the better off you’ll be financially. The higher your credit score, the lower your cost for loans will be. Having a good credit rating can even get you a job because many employers investigate a job applicant’s credit history! So what’s a good score? The average credit score (as of August 11) was 694, meaning a person with that rating will qualify for loans but probably not for the best available rate. See the list below to see where you fall:
720 – 850 – Excellent – gets best financing rates and terms
700 – 719 – Very Good – qualifies for favorable financing
675 – 699 – Average – qualifies for most loans, but not with best rate
620 – 674 – Sub-prime – may qualify, but at higher interest rate
560 – 619 – Risky – will have trouble obtaining a loan
500 – 559 – Very Risky – needs to work on improving rating
If you want to improve your understanding of your credit score, go to www.nationalscoreindex.com and sign up for your free credit report and score. You’ll get a handle on your credit and your financial life!
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 On August 21, Congressman Paul E. Kanjorski met with Choice One Board members, staff and credit union members. A regular visitor to the credit union and having a keen interest in financial issues, Kanjorski was a co-sponsor of HR 1151, the Credit Union Membership Access Act, of 1998. This bill preserved the right of credit unions to operate and provide financial services to those of modest means. He is currently a co-sponsor of the Credit Union Regulatory Improvement Act (CURIA). This bill seeks to undo some regulatory burdens on credit unions. The Congressman has always been a friend to credit unions and their members. We express our gratitude to him for his help and support over the years.
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