November 2015
Financial News & Information For
The Valued Members of Freedom Credit Union
Refer a Member and Earn Up to $100
Skip-a-Pay Returns this Month
Just in time for the upcoming holiday season and all
of the expenses that come with it, eligible members
can skip the December or January payment of their
existing Freedom Personal or Vehicle Loan and
pay only a low, $28 processing fee for each Loan
payment skipped.*
Best of all, we make it quick and easy for you to
skip your payment. Visit FreedomCU.org/SkipAPay,
after November 20, and ll in the information
about your eligible loan. The processing fee will be
automatically deducted from your Freedom Account.
*The promotion is only valid for loan payments due in December 2015
or January 2016. A $28 processing fee per loan will be automatically
deducted from your Checking Account and the funds must be in your
Account at the time your application is processed or it will be declined.
If you do not have a Checking Account, the fee will be taken from
your Primary Savings Account. Loan payments can be skipped only on
Personal or Vehicle Loans. In order to qualify for this promotion, all
Accounts and Loans must be in good standing and each Loan cannot
be skipped more than twice per year (once per promotion period). After
skipping the payment, your regular monthly payments will resume in
accordance with your existing payment schedule. Interest will continue
to accrue during the month skipped and your term will be extended by
one month. To ensure proper processing please submit your skip request
a minimum of two business days prior to the date your loan payment is
due. The Skip-a-Pay request will not be accepted if it is submitted on the
day payment is due or after the payment due date.
Holiday Closings
Veterans Day - Wednesday, November 11
Thanksgiving - Thursday, November 26 and Friday, November 27
Our branches and ofce will be closed, but mobile banking, online banking,
telephone teller and our Credit Union network of ATMs will be available.
Hatboro Holiday Parade
Celebrate the season on Sunday, November 22 at 2:00 PM, at the 55th
Annual Hatboro Holiday Parade! Join us along the parade route on York Road
in the heart of Hatboro as Freedom Employee volunteers march in the parade!
Focus Points
Incentives (One per new member)
New
Member
receives
Referring
Member
receives
New member joins FCU opens Savings account $25 $25
New member joins FCU opens Savings, Checking,
eStatements, and Check Card
$50 $50
New member joins FCU opens Savings, Checking,
eStatements, Check Card, and Direct Deposit
$100 $100
*Promotion valid from 11/1/15 - 12/31/15. Promotion Code R9 and referring Member information must
be provided during the application process, retroactive referrals will not be eligible. Maximum incentive is
$100 per New Member/Referring Member relationship. The incentive is only for new member accounts, not
new accounts for existing members or joint members and is based on account openings, not applications.
Each person can only be a new Member once. A Joint Savings Account Owner age 18 or older is required for
Members under 12. For a checking account and check card all parties on the account must be 16 or older. If
criteria is met and the referring member is in good standing, Referring and New Members’ Primary Savings
Accounts will each receive the $25 or $50 incentive by the 25th of the following month after the new Primary
Savings Account is opened, the second $50 for Direct Deposit will be deposited once the Direct Deposit has
been processed and veried. The incentive will be a taxable dividend on the 1099 Form we will send you in
January. Payment of taxes on incentive will be the responsibility of the recipient. Offer is subject to change
without notice and cannot be combined with any other offer.
Share the benets of Freedom with your friends and
family and earn up to $100 for every new Member
you refer.* To make a referral, just be sure that your
friend or family member lives, works, worships,
volunteers or goes to school in Bucks, Chester,
Delaware, Montgomery, or Philadelphia County. Each
new application needs to include the promotional
code R9* and the name of the referring Member to be eligible for the incentive.
DEPOSIT RATES
Account Type APY
Savings and Clubs 0.20% APY*
Checking 0.10% APY*
Money Market Tier 1 0.20% APY*
Money Market Tier 2 0.30% APY*
CD & IRA RATES
Term APY
6 Month 0.40% APY**
12 Month 0.70% APY**
18 Month 0.80% APY**
24 Month 1.15% APY**
36 Month 1.55% APY**
48 Month 1.75% APY**
60 Month 2.10% APY**
LOAN RATES
Account Type As Low as
VISA
®
Platinum or Gold Card
0.99% APR***
‡
Vehicle Loan 2.49% APR***
Home Equity Loan 3.24% APR***
Personal/Signature Loan 8.49% APR***
*Annual Percentage Yield. Dividends on IRA,
Savings, Club, and Checking Accounts are
computed monthly on average daily balances
of $5 or more and posted monthly. The
Money Market Account Tier 2 has a variable
rate which will be greater than our regular
savings rate, and subject to daily adjustments.
Dividends will be paid monthly on the average
daily balance, based upon the current tier level
rates. Fees may reduce earnings. Regulations
prohibit payment in excess of available
earnings. Rates are accurate as of 8/1/15.
Rates subject to change without notice and
may change after account is opened. Visit
FreedomCU.org to view our Rate and Fee
Schedule.
**Annual Percentage Yield. Rates are accurate
as of 10/2/15. Dividends are computed
monthly on average daily balances of $5 or
more and posted monthly. Rate may change
after Account is opened. Fees may reduce
earnings. Terms and rates are subject to
change without notice. Visit FreedomCU.org
to view our Rate and Fee Schedule.
***APR Annual Percentage Rate. Rates
accurate as of 8/1/15. Terms and rates are
subject to change without notice. For Credit
Cards, an eligible co-borrower will be required
unless the Cardholder has independent
means of repaying any credit extended. The
interest rate you receive will be based on your
credit history. Visit FreedomCU.org for more
information.
‡
0.99% Introductory APR only available for
new Card applications. Introductory APR
applies to all purchases, cash advances, and
balance transfers made during six-month
introductory period. After that, the fixed APR
you receive will be based on your credit
history and will not be less than 8.9% or
greater than 17.9%. Offer subject to change
without notice.
Board Of Directors
Joseph Yerkes, Chairman
George Madden, Vice Chairman
Christopher McGinley,
Secretary/Treasurer
Andrew Folino, Member
Marie Sejda, Member
Lowell A. Tinner, Member
Charles Whiting, Member
President/CEO
John F. King
Credit Committee
John F. King, Chairman
Rick MacLeod, Secretary
Victor Derrick, Member
Supervisory Committee
Crystal Barnett, Chairperson
Wade Bircheld, Member
Steven J. Turco, Member
Before you click or tap to buy that “must
have” item on your holiday list, check
out these tips below to make sure
you’re doing everything you can to avoid
becoming a victim of cyber crime:
1. Secure your mobile device and computer. Be sure to check that
any anti-virus/anti-spyware software installed is running and
updated. Conrm that your rewall is enabled.
2. Know and trust your online shopping merchants. Limit your
online shopping to merchants you know and trust.
3. Look for “https” when making an online purchase. The “s” in
“https” stands for “secure” and indicates that communication
with the webpage is encrypted.
Shop Securely Online During the Holiday Season
4. Password protect your mobile device and computer. It’s the
simplest and one of the most important steps to take to secure
your mobile device and computer.
5. Don’t ever give your nancial information or personal information
over e-mail or text. Be aware of unsolicited communications
purporting to represent stores or charities.
6. Do not use public computers or public wireless for your online
shopping. Public computers may contain malicious software that
steals your credit card information when you place your order.
7. Pay by credit card, not debit card. The safest way to shop on the
Internet is to pay with a credit card rather than debit card, as
credit cards are protected by the Fair Credit Billing Act and may
reduce your liability if your information was used improperly.
Pick the Card that Works for You
A Freedom Credit Card can help you budget your holiday expenses. Starting with a low introductory rate of 0.99%
APR* for rst 6 months, now is a great time to apply for a Freedom Credit Card. With a low interest rate that
beats those big bank cards and great benets, your Freedom card will quickly become the favorite card in your
wallet.
There is never an annual fee or charges for balance transfers and the card comes with many added benets:
Roadside Dispatch, Auto Rental Collision Damage Waiver, Travel & Emergency Assistance Services, Warranty
Manager Service, Cellular Telephone Protection, and Travel Accident Insurance. All Freedom cards are compatible
with Apple Pay and can be deactivated through the Freedom Mobile App. Apply today at FreedomCU.org/cards.
*APR = Annual Percentage Rate. The 0.99% Introductory APR applies to all purchases, cash advances, and balance transfers made using Freedom Gold and
Cash Back Cards during the six month introductory period. This offer is only available for new Card applications. After that, the xed APR you receive on a
Visa Gold Credit Card will be based on your credit history and will not be less than 8.9% or greater than 17.9%. The xed APR you receive on a Visa Cash
Back Credit Card will be based on your credit history and will not be less than 9.9% or greater than 17.9%. All rates accurate as of 7/4/14. An eligible co-
borrower will be required unless the Cardholder has independent means of repaying any credit extended. The maximum credit limit per Member is $20,000.
The maximum unsecured debt per Member is $30,000. Card issuance subject to nal approval. Cannot be combined with any other offer. Offer subject to
change without notice.
Pictures with Santa
Bring a non perishable food item for
the St. John food pantry and get a
free photo with Mr. and Mrs. Claus.
Northeast Branch
Saturday, December 5
9:00 to 11:00 AM
Warminster Branch
Saturday, December 12
9:00 to 11:00 AM
Cash Back
Low Rates
