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COME JOIN US FOR LUNCH THURSDAY, MARCH 8, 2012 AT 11:30 AM IN THE MOON CONFERENCE ROOM FOR OUR 30TH ANNUAL MEETING AND BOARD ELECTIONS.

PLEASE RSVP BY MARCH 1ST IF PLANNING TO ATTEND. THANK YOU AND HOPE TO SEE YOU THERE!!

With college costs growing fast, it's time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

PAY MORE. SAVE MORE.

INTEREST REPAYMENT OPTION

Pay interest while in school and for six months after school. The in-school payments, plus our shorter repayment term, can help you save over 20% on your total loan cost compared to our Deferred Repayment Option.1

PAY A LITTLE NOW. SAVE A LOT LATER.

FIXED REPAYMENT OPTION

Pay just $25 a month while in school and for six months after school.2 The in-school payments, plus our shorter repayment term, can help you save over 10% on your total loan cost compared to our Deferred Repayment Option.1

GET MAXIMUM FLEXIBILITY.

DEFERRED REPAYMENT OPTION

Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility.3

APPLYING ONLINE IS EASY–IT ONLY TAKES ABOUT 15 MINUTES TO APPLY AND GET A CREDIT RESULT.

Click on "Links" on the left side of of our home web page and choose the "Get Started" button on the Sallie Mae Smart Option Student Loan icon to apply.

SIGN UP FOR VERIFIED BY VISA AND PROTECT YOUR PURCHASES -- Wednesday, January 11 2012

Did you know that the Consumer Healthcare FCU Visa Credit Card has a fixed rate of 8.99% APR for all purchases and cash advances? There also is NO annual fee.

Consumer Healthcare will not charge you to obtain a cash advance or balance transfer.

So, transfer your balances of those higher interest rate credit cards and we will deposit 1% of your balance transfer amount into your Consumer Healthcare FCU share savings. Apply today online or contact the credit union for further details.

HOME EQUITY SPECIAL -- Friday, September 16 2011

We have adjusted our Home Equity Loan rates (lowered the rate on loans up to 10 years). We also have decided to waive all closing costs on NEW credit union Home Equity Loans and Home Equity Lines of Credit. The closing costs will not be waived on current Consumer Healthcare Loans that are refinanced. Remember that interest on Home Equity products is tax deductible for those that itemize on their taxes. Consider a consolidation of loans or buying your next car using the equity in your home. Apply online today!

SHARE SECURED SPECIAL OFFER -- Thursday, August 18 2011

Borrow against your credit union savings or certificate of deposit and pay only 1.99% APR and continue to earn interest on the savings! What a deal! Apply today. Click on "Services" and "Loan Application". Choose "Share Secured" for the type of loan. We will process your application the day we receive it!

Buy a new car (never titled) and finance for 3.99% APR up to 60 months or at 4.99% APR for 72 months. Buy a used car (5 years old or newer) and finance up to 60 months at 4.99% APR. These rates are effective August 1, 2011 through December 30, 2011.

If you receive a phone call from someone claiming to be from "Card Member Services" offering you a lower rate on your credit card if you "Push 9"......hang up the phone. The credit union is not offering a lower rate (we already have a competitive rate of 8.99% APR).

This is a fraudulent call. Do not press 9 and do not give out any of your personal information.

We have discount Pittsburgh Zoo tickets back and available for $10.00 each. Adults will save $4, Seniors save $3, Children save $2 per ticket. Children under 24 months are FREE. Parking is also FREE!

Under normal circumstances, our policy is to make funds from your deposits available to you immediately. At that time, you can withdraw the funds and we will use the funds to pay share drafts that you have written. In some cases, there may be delays in availability. See below:

For determining the availability of your deposits, every day is a business day, except Saturday’s, Sunday’s and Federal Holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

e. There is an emergency, such as failure of communications or computer equipment.

If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

New accounts shall be subject to the same Funds Availability Policy that established accounts are subject to.

Finance a new auto (never titled) with the credit union at our GREAT LOW RATES & we will give you a $100 gift card. We finance up to 90% of the value.

Did you finance with a dealer? Refinance your new car with us within 60 days of your original new (never titled) car purchase & we will still give you the new car rate PLUS $100.

We also offer the convenience of payroll deduction. Give us a call. Let us reduce the time and excessive paperwork that you face at the dealership. We want to service you!

You can view our latest newsletter by clicking on the Newsletter link at the bottom of the home page of our web site. See what is new, what is changing, and any specials or new products that we have to offer. Click the "Home" page link located on the left side of the news and scroll to the bottom of the page. Click on "Print Newsletter" to either view or print the latest news!

On September 15, 2010 the credit union completed a debit card conversion. New cards were mailed to all debit account holders. The old debit cards will no longer work. Remember when using your card to always say "credit" and sign for your purchases. This gives you added protection through the VISA portion of the card and reduces your liability in the case of fraud. At the gas pump, treat your card as a credit. There are many added benefits to the new cards. You can now make deposits at the ATM and your funds are usually available the same day that you make the deposit. Purchase transactions are "Real Time". You will be able to see the transactions on your home banking almost instantly (in most cases). We are working to improve our products and services to you and hope that you enjoy this newest update.

We have a new Youth Deposit Program for any student earning a report card (through high school graduation). We will pay $1 for every "A" (or "A" equivalent) for the following core subjects: Math, Science, History, English, Foreign Language.

Also, when any youth (age 0 to 18) makes at least a $10 deposit into their savings account, the credit union will enter that child into a monthly drawing for fun prizes.

We designed this program to encourage our youth to succeed in school, to learn to financially save and manage their money, and to be successful in life.

PAY YOUR VISA PAYMENT IN HOME BANKING! -- Wednesday, August 25 2010

You can now pay your Consumer Healthcare FCU credit card payment from one of your Consumer Healthcare FCU deposit accounts in Home Banking! Log into your account and click on Transactions. Select the account that you want the payment to come from. Select the amount that you wish to pay on your Visa and in the "Transfer To" box, select "Credit Card".

SIGN UP FOR HOME BANKING, E-STATEMENTS, AND/OR BILL PAYMENT -- Monday, June 21 2010

We have made it even easier for you to get set-up for Home Banking, E-Statements, AND/OR Bill Payment. Click on the link, print out the application, complete it and send it to the credit union. Home Banking, E-Statements, and Bill Payment are all FREE! So, don't delay and sign up today!

YOUR INFORMATION IS PRIVATE -- Tuesday, March 16 2010

The credit union requires verification of income (2 current paystubs) for each individual that applies for a loan. This information is required as part of the approval process and must be documented and kept in your loan file. We want you to know that your information is kept strictly confidential and is not available to anyone that is not an employee of the credit union.

IF YOU HAVE LOST YOUR DEBIT CARD YOU MAY CALL 24 HOURS A DAY TO REPORT THAT LOST CARD BY CALLING: 1-800-264-5578.

IF YOU HAVE LOST YOUR CREDIT CARD, YOU MAY CALL 24 HOURS A DAY TO REPORT THAT CARD LOST BY CALLING: 1-800-991-4961.

TO CHECK YOUR BALANCE ON YOUR CREDIT CARD YOU MAY CALL 800-433-0505 OR LOG ON TO https://www.ezcardinfo.com/.

Opt-Out of credit card offers and phone solicitations -- Thursday, February 4 2010

Stop those dinnertime phone calls permanently by logging on to www.donotcall.gov and entering your home phone number or by calling 1-888-382-1222.

You can also stop all the credit card offers that you get in the mail by logging on to www.optoutprescreen.com or by calling 1-888-567-8688. You can choose to opt out permanently or for 5 years.

Opt-out Notice Rule Takes Effect August 1
Beginning August 1, 2005, financial institutions and other companies that send “prescreened” solicitations of credit or insurance to consumers will be required to provide simple and easy-to-understand notices that explain consumers’ right to opt-out of receiving future offers. The FTC, as required by FACTA, issued a Final Rule on January 31, 2005, which specified the format, type size, and manner for these opt-out notices.

If consumers decide that they don’t want to receive prescreened offers of credit and insurance, there are two choices: (1) opt-out of receiving them for five years; or (2) opt-out of receiving them permanently. Consumers can call toll-free 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com for details. The telephone number and Web site are operated by the major consumer reporting companies. When calling, or visiting the Web site, consumers will be asked to provide certain personal information, including home telephone number, name, Social Security Number, and date of birth. The information provided is confidential and will be used only to process the request to opt-out.

Pennsylvanians and residents of 13 eastern states, Puerto Rico, and all U.S. territories, can obtain a free copy of their credit report from one of the three credit reporting agencies under the new federal Fair and Accurate Credit Transaction Act (FACT Act). Congress passed FACTA in December 2003 and the regional rollout began on the west coast last December.

Pennsylvania Secretary of Banking Bill Schenck encouraged citizens to request a copy of their credit report. “The U.S. Public Interest Research Group says one in four credit reports surveyed contained serious errors that could result in the denial of credit, employment, or insurance,” said Schenck. “It’s essential for all Pennsylvanians to regularly review their credit report to make sure it’s accurate and to guard against identity theft. Errors or undetected fraud can negatively impact a consumer’s access to loans and the interest rate they are charged.”

The new law permits consumers to receive one free credit report per year from Equifax, TransUnion, and Experian. The goal is to prevent such theft, resolve consumer credit disputes, and improve the accuracy of consumer credit reports. According to the Federal Trade Commission, more than 7,500 Pennsylvanians were victims of identity theft last year.

Consumers are urged to be wary of companies with similar sounding names that may require a purchase in exchange for the free credit report or ones that make offers to repair damaged credit. If consumers are not certain a credit-reporting agency is legitimate, or they believe they are a victim of identity theft, they should contact the FTC at www.ftc.gov.

Free reports may be requested online at www.annualcreditreport.com or call toll-free, 877-322-8228. Consumers may also send a request by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.