New Car Rates
(2009 or 2010 (never titled)
as low as 4.49% APR*
36 months

Used Car Rates
(2005 or 2009)
as low as 4.79% APR*
36 months

While the heat goes up this summer, Allentown FCU is dropping Auto Loan rates. If you've been wanting to get behind the wheel of a new or used vehicle, now's the best time. We even have a variety of terms and repayment options, so there's a plan to fit your budget.

Other rates and terms are available. Hurry in; when the temperatures start to cool, so will our rates! Apply today by visiting us online or stopping into one of our offices.

*APR = Annual Percentage Rate. Rate listed is "as low as" rate and is subject to change. Additional terms and rates available. Contact the Credit Union for details.

Plan Out Gifts to Stay on Budget

Set aside some money each month or paycheck for presents, and you'll be prepared when a gift-giving event rolls around.

But how do you ensure that money will cover the gifts you'll be giving?

• Make a list of the known gifts you'll be giving the rest of the year: birthdays, showers, weddings, and Christmas. Have funds transferred from your paycheck into a special sub-savings account through payroll deduction. You can save as much or as little as you'd like, plus you can earn interest on your money.
• Organize by date, recipient and amount you plan to spend. April Dykman at the Get Rich Slowly blog offers a sample gift-planning spreadsheet with room for ideas at tinyurl.com/2bva9tk.
• Put reminders on your calendar to alert you that the gift-giving occasion is approaching. Brainstorming what you might want to give to someone will allow you to shop throughout the year. You might be able to pick up a clearance or sale item and set it aside until gift time arrives, or get started on a handmade present. It will also help you avoid markups for expedited shipping.
• Include an additional cushion for unexpected gifts that may come up. You might include an estimate for shipping.
• Keep this list up to date. If someone announces an engagement or pregnancy, add those expected shower and other gifts to your list.

Source: Revised from Liz Kay, Tribune Newspapers

Whether you're heading to the cool mountains or a tropical beach this summer, be sure to bring your VISA® Check Card from AFCU with you! Use it wherever you see the Allpoint/CU$ logos, and you'll have access to over 30,000+ surcharge-free ATMs nationwide.

With a VISA® Check Card from your credit union, you have 24/7 access to your accounts. Plus, you'll earn points towards travel, entertainment, and more with every purchase you make. Visit www.selectyourrewards.com for a full list of redeemable prizes! Best of all, you have added security features when you use your check card, like continuous fraud monitoring to detect and prevent suspicious activity on your debit card, access to Identity Theft Assistance to help you recover your identity and prevent further problems, and a 3-digit security code to verify your identity for Internet and phone purchases. This summer, don't leave home without your AFCU Check Card!

*Balance transfers are processed at the end of each business day.

Regulation E, Overdraft
Protection, and YOU

What It All Means
Recent changes to federal regulations require members who use Overdraft Protection to opt-in to the program. This means that you MUST contact the Credit Union if you wish to continue using our services in the event of an overdraft of your checking account.

If you do not notify us…
ACH (automatic payments) and Share Draft (check) transactions will continue to be covered, but Point-of-Sale (everyday debit card transactions) and ATM transactions will NOT be covered. Instead, your transaction will be declined.

If you choose to continue with the program…
all of your transactions (automatic ACH payments, Share Draft, Point-of-Sale, ATM) WILL be covered and will not be returned for insufficient funds for a total of $500.00. There’s no charge to use Overdraft Protection, but you will be charged a $30.00 fee per transaction.

These changes will go into effect on August 15, 2010 so please be sure to contact us. To opt in to the program, be sure to stop by one of our branches immediately and fill out the consent form.