October 2005

32,000 ATMs in the U.S. are now surcharge free for York Educational FCU VISA Debit Card users. You can find an ATM near you with the above logo that will not surcharge when you make a cash withdrawal.

To find locations for Allpoint ATMs, visit our website, www.yefcu.org, click on the Allpoint logo, then enter your city and state or your zip code, and a list of the 30 ATMs nearest you will show on your monitor. There are 508 Allpoint ATMs within 50 miles of York, 2290 within 100 miles of York. Some familiar locations include the Target stores in East York and West York, most Giant food stores in York, Dover, and Manchester, Sunoco and Hess Gas Stations, and the list goes on.

If you plan to travel, visit our website, enter the city you are visiting and learn the location of Allpoint ATMs nearby. There are surcharge-free Allpoint ATMs in all 50 states.

Remember that YEFCU remains a member of the CU$ network of ATMs. CU$ provides you surcharge-free access to your funds at over 700 ATMs through-out Pennsylvania and thirteen other states.

YEFCU has also joined the STAR network, which allows you to use your YEFCU VISA Debit Card at any point-of-sale as a debit card, so you can access cash along with paying for your purchase. For example, if you visit the food store on your way home from work and purchase $34.75 worth of groceries, when you check out, you may request cash back. If you want $25 cash, you will need to press the "debit" key when you swipe your card, then enter your "pin" number, and your account will be debited $59.75. You will leave with your groceries and $25 cash, avoiding an extra stop at an ATM.

The YEFCU VISA Debit Card … a great service made even better, with surcharge free ATMs at our office, and at thousands of Allpoint and CU$ locations.

OCTOBER AUTO LOAN SALE

Mechanic Jonathan Fornadel gives his brother Alexander the bad news … the old clunker is beyond help. It’s time to send it to the junkyard, and go shopping for something more reliable (and stylish!)

Do you feel as discouraged as Alex? Has your mechanic pronounced your old clunker "not worth repairing?" Then your credit union can certainly help you chase away the old clunker blues.

We have loan rates that can’t be beat. For the month of October, you can reduce the rate of any of our auto loans, new or used, 36 months through 72 months, by 1.00%. For example, a new auto financed for 36 months will be at a rate as low as 3.99% APR, rather than our usual rate of 4.99% APR. You can finance a new vehicle for 60 months as low as 4.74% APR, or a used vehicle for 48 months as low as 4.99%.

What a great time of the year to go shopping for a new or used vehicle. Manufacturers are offering huge rebates on 2005 model leftovers. With the large number of trade-ins during August and September, the supply of late model used vehicles is excellent, and prices are lower than usual. If your preference is a brand new 2006 model, every dealer is showing new makes and models or restyled versions of popular cars, trucks and SUVs. Enjoy the delightful fall weather and go shopping for the car of your dreams. We can help you afford to replace that old clunker, and drive away the blues.

Visit our website, www.yefcu.org for our new and used car rates, then subtract 1.00% … that is the October Auto Loan Sale rate at which you will be able to finance your vehicle. Confused? Give one of our friendly staff a call. We’ll give you rates, payments, even a preapproval to go car shopping, so that you can make the dealer a "cash sale" offer. The reduced loan rates even apply to a car purchased from a private individual.

YEFCU October Auto Loan Sale -1.00% off our rates !

KEEP YOUR CU INFORMED

Have you moved? Have you informed your CU? Please let us know if you have moved, so we can update our records. For school employees, "have you moved?" also refers to moving to a different building in your school district. Your CU staff uses a code to identify what building you work in, so that we may contact you via interschool mail. This method is often more efficient than U.S. Mail, and it saves both you and the credit union postage costs during the school year. Please tell us if you work in a different location this school year.

YEFCU utilizes interschool mail to deliver you news-letters, checks, and information, and allows you to send us check deposits, loan payments, and name and address change information quickly and efficiently. The following is the normal delivery/ pickup schedule for our major employers:

Dover Schools: Mon.&Thurs. afternoon; Leib Elementary

York City Schools: Mon-Fri. afternoon; Administration Office

York Suburban Schools: Mon.-Fri. midday; Administration office

Northeastern Schools: Tues.&Fri. morning; Administration office

Red Lion Schools: Tues.&Thurs. morning; Ed Center

York College/York Country Day School: Mon.-Fri. afternoon; Administration Building

Maple Press Co.: Mon-Fri. morning; via company courier

We encourage you to use interschool mail whenever possible. It will save you time and money, get information to us promptly, and is a safe, secure method of communication with your CU.

CHRISTMAS CLUB

Although the leaves are just starting to turn colors, and there hasn't been any frost on the pumpkins, YEFCU members can access their Christmas Club funds at any time. wise shoppers keep an eye out for bargains, and many stores now have winter clothes and seasonal items in stock and on display. Size and color selections are great, so why wait until the last minute to begin your holiday shopping.

Call the CU and ask for a check from your Christmas Club, or transfer funds to your checking account. Use some now, save some for closer to Christmas.

You don’t have a Christmas Club account? Open one for next year. Give us a call and we’ll get you started.