Touchstone Federal Credit Union

Please join Paul M. Goyette, CFP^®, CEP, CFS of Northeast Planning Associates, Inc. for an informative seminar to understand how the markets will likely perform and what strategies we may use to help position your portfolio to potentially profit and protect! Read more in News!

Financial Planner offers advisory services through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. Securities and advisory services offered through LPL Financial and its affiliates, member FINRA/SIPC. Not NCUA Insured, No Credit Union Guarantee, May Lose Value. The Credit Union, NPA and LPL Financial are not affiliated.
Alternative strategies will be discussed. Investing in alternative investments may not be suitable for all investors and involve special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, potentially illiquidity. There is no assurance that the investment objective will be attained. Tracking #649302

Back-to-School Loan: From August 1 through September 30, 2010, get a rate as low as 7.50% APR* for a $1,200 loan (existing loans must be paid off before or included in new loan. Term of 12 months. Stop by or apply online.

*APR is Annual Percentage Rate. Estimated payment example at 7.50% for 12 months is $104.11 per month or approximately $26.00 per week. Due to volatility of the rate market, all rates are subject to change without notice, Touchstone FCU reserves the right to make a counter offer at any time, and promotions may be cancelled at any time.

$25.00 Gift Card with Student Membership Package: Don’t head off to school without it! Elementary, high school, or college students, from August 1 through September 30, 2010, open a share account with $25.00 and receive a $25.00 gift card to iTunes or Simon Mall! Includes Share account, Share Draft Account*, Debit Card*, e-Statements, Free Home Banking & Bill Payer, and $300 Credit Card!***

*Must be 18 years old or have a joint account holder. **Must be 18 years old and able to verify income or have co-signer.

Enterprise will give you Blue Book^® Trade-In Value on your vehicle PLUS $500¹ from August 1 through October 14, 2010. Get pre-approved today and take advantage of Touchstone's 3.75% APR* auto loan on cars 2007 and newer (through August 31st). Some restrictions apply. For more information click here. Visit Enterprise online.

1: Trade-In values obtained from © 2010 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value is based on accurate condition rating, vehicle options, age, and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $500 is not available on vehicles other than used passenger vehicles or light duty trucks, vehicles without a Blue Book Trade-In Value or if an Enterprise Car Sales vehicle is not purchased. Additional trade-in value of $500 is only valid for one trade-in per vehicle purchased. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer void where prohibited. Offer valid 8/1/10 - 10/14/10. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners. © 2010 Enterprise Car Sales. A07869 DI 06/10 JB*APR is Annual Percentage Rate.

There's no time like the present to teach your kids to save.
Open a Youth Club Account today.

Preparing to send your teen off to college? Don't forget our Student Membership for college and high school students. Package includes Share Savings Account, Share Draft Checking*, Debit Card* and more. Some restrictions apply, for more information, visit our Kids page.

Don't forget: As of August 15th, we do NOT pay overdrafts on your ATM and everyday debit transactions UNLESS you "OPT-IN". Here is the "OPT-IN" Form. Read more about overdrafts and overdraft fees.

Did you know that 64% of Americans have no financial strategy at all? And that of the 36% who do have a written financial strategy, only 17% review it and update it with any regularity?¹ Your Financial Planner is "Here for You and Your Loved Ones", to help you make important financial decisions that will have a ripple effect for you and generations to come. Our friends at NPA can help you to make adjustments to your financial plan and keep you on course.

Financial Planner offers advisory services through Northeast Planning Associates, Inc. (NPA ) a registered investment adviser. Securities and advisory services offered through LPL Financial and it’s affiliates, member FINRA/SIPC. Not NCUA insured, No Credit Union Guarantee, May Lose Value. The Credit Union, NPA and LPL Financial are not affiliated. 402 Amherst Street Unit 101, Nashua, NH 03063 (603)689-7162.

1. Certified Financial Planners Board of Standards 2009 National Consumer Survey on Personal Finance

Are you sharing too much information on Facebook? As much as we want to share information with all our "friends" on social media sites such as Facebook, too much information sharing can jeopardize your financial and personal safety. Read more about it in Fraud Prevention.

Traveling Overseas this Summer? Buy foreign currency with eZforex, foreign currency exchange, BEFORE you travel! For more information, visit Services.

Traveling Out of State with Your Visa Credit Card? Learn more about our security "lock-out" on your credit card and what you need to do before you travel out of state.

Be sure you are familiar with Recent Tax Incentives — here is some information on a few tax credits that may help you in 2010. Be sure to visit irs.gov for the latest information.

What You Should Know About Regulation D (Reg. D)
Confused about the amount of transfers or automatic payments you can initiate from your savings account? Read What is Reg D?

We've Made it Easier to Pay Bills Online!
Touchstone FCU has made it easier than ever to pay your bills online. You can do it all from one page – make your payments, view pending and recent payments, and add new payees! Log into touchstone@home, and click on the Bill Payer tab to see just how easy it is to manage your payments and control your finances.

Buying a New Home? Seeking to Refinance?
Variety of Mortgage Programs Available!
Low prices and low rates — a great opportunity for new buyers or those seeking to refinance. Touchstone FCU and Mike Hughes can help. Call Mike at (339) 883-9259 for more information and to set up an appointment. Visit Mortgages to get started on the pre-approval process!

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Your Savings are Safe with Touchstone FCU. Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA) of $250,000. You may obtain additional separate coverage on multiple accounts – for more information read the NCUA brochure on Share Insurance, use the handy NCUA Share Insurance Calculator, download and read "Share Insurance and You" from the NCUA website, or please call us at (978) 657-2223.

Touchstone, Your Financial Rock! Touchstone FCU can help you weather the financial storm. At Touchstone, "Personal Service Comes Standard" and Members come first. Our Credit Union continues to be run with integrity and fiscal responsibility. We offer a wide array of services and partner with licensed professionals to meet your complex financial needs. To learn more about how Touchstone FCU is prepared to be your financial rock, please read these messages from Chairman Raymond Kahre and President and CEO James McCorkle.

Security Starts with Touchstone@Home! Review your accounts weekly online for signs of any suspicious transactions with Home Banking. Don't have FREE Home Banking? Demo touchstone@home today and monitor your accounts 24/7 with ease.

Save Time. Save Space. Save Money. Save a Tree. Help Touchstone FCU “Go Green” by Using eStatements. Sign up for eStatements through Home Banking and view your statements online at any time, from any place. You’ll help reduce monthly mailing costs and paper use. Make a statement. Sign up for eStatements today!

Traveling Out of State with Your Visa Credit Card? Learn more about our security "lock-out" on your credit card and what you need to do before you travel out of state.

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Important Information for Debit Card Holders
When your debit card expires we will send you a new one, which you must activate before using. When you call to activate your card the system will tell you that your card is already active, this happens because you have an existing card NOT because someone has activated your new card. Just follow the prompts to activate your replacement card and remember to destroy the old one, clearly eliminating the number sequence.