NEW CREDIT UNION HOURS
at our Wilmington and Mount Auburn Hospital branches

 

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Touchstone FCU Has Promotions to Take the Chill Out of Winter...

President's Day Auto Loan

Need a new set of wheels? Touchstone FCU can help! From February 1 through March 31, 2012, get an auto loan for as low as 3.50% APR* for vehicles 2009 or newer. Terms of up to 60 months (72 months for 2012 vehicles.) Must have auto pay. Get pre-approved today! Apply online!
*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Estimated payment example at 3.50% APR for 60 months is $18.19 per $1,000 per month.

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5-Year Home Equity Loan Promotion

From December 1, 2011 through March 31, 2012, 5-Year Home Equity Loan as low as 3.25% APR!* Term of five years, minimum loan amount is $10,000. Existing loans must advance $10,000. Maximum LTV is 80%. Member must pay for appraisal.
*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Estimated payment example for loan of $10,000 for 5 years at 3.25% is $180.80 per month.
 
10-Year Home Equity Loan Promotion

From December 1, 2011 through March 31, 2012, 10-Year Home Equity Loan as low as 4.50%* APR!* Term of 10 years. Minimum loan amount is $10,000, existing loans must advance $10,000. Maximum LTV is 80%.
Member must pay for appraisal.
*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Estimated payment example for loan of $10,000 for 10 years at 4.50% is $103.64 per month.

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Fraudulent Emails: Some credit union members from other CUs have reported receiving fraudulent e-mails from the Federal Reserve Wire Network that reference a wire transaction and instruct the recipient to click on a link beginning with “federalreserve.gov.” If you receive a similar notice, please note that these e-mails were not sent by the Federal Reserve Bank (FRB). The FRB sends information regarding the status of payments through its trusted network—never directly to a credit union member. Do not click on links contained in these types of e-mails and delete them immediately.

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NOW AVAILABLE: Alamo^® and National Car Rental^®

Taking a trip? Take advantage of these great car rental deals, available online only!

Alamo^® - Get to the fun faster.

Get up to 25% off your rental and receive additional coupons to save even more. With self-serve check-in you can skip the counter, check-in at the kiosk and drive away. It’s that easy. Visit Alamo^®.

 

National Car Rental^® - You drive a hard bargain.

Save up to 25% and get additional coupons for your next rental. And, with the Emerald Club®, you can bypass the counter and choose your own car. Visit National Car Rental^®.

 

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Free Credit Report

You are Entitled to get an Annual Free Credit Report

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Don't forget: 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.

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Northeast Planning Associates, Inc.
Don't Forget - Your Financial Future

As you evaluate your goals and priorities and plan for the year ahead, make sure you don't leave an important item off your list–your financial future! By taking time to plan, you can address life status changes, make a move on non-mortgage debt, and review your asset allocation. Read more in "Don't Forget!" Paul M. Goyette, CEP^®, CFS^®, CERTIFIED FINANCIAL PLANNER^TM practitioner of Northeast Planning Associates (NPA) can make sure your investment plan is up-to-date. Call Paul M. Goyette, CEP^®, CFS^®, CERTIFIED FINANCIAL PLANNER^TM practitioner and George K. Slyman, Jr., ChFC, CERTIFIED FINANCIAL PLANNER^TM at (800) 420-7781.

Touchstone FCU has partnered with Paul M. Goyette, CERTIFIED FINANCIAL PLANNER^TM practitioner, an expert financial advisor with Northeast Planning Associates, Inc. (NPA). With over 50 years of financial planning experience, NPA can help you to assess your current financial situation and create a plan for the future. For more information or to schedule a free consultation with Paul M. Goyette or George Slyman, call (800) 420-7781 or (978) 657-2223. Learn more about NPA by visiting their Web site.

Please note: Investments are NOT federally insured.
Financial Planner offers advisory services through Northeast Planning Associates, Inc., a registered investment adviser.  Securities offered through Linsco/Private Ledger (LPL), member NASD/SIPC.  Products and services provided: 1) are NOT federally insured; 2) are NOT obligations of the credit union; 3) are NOT guaranteed by the credit union; 4) may involve investment risks including possible loss of principal.  Touchstone Federal Credit Union, Northeast Planning Associates, Inc. and LPL are not affiliated.  402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162.

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Buying a New Home? Seeking to Refinance?
Falling real estate prices and decreases in home loan rates offer an opportunity for new buyers or those of you who are seeking to refinance at a lower rate. Touchstone credit union members have a number of mortgage programs and services from which to choose, including the following:

• Long-term fixed rate mortgages at historically low rates.
• Periodic seminars for First Home Buyers. It is never too early to be pre-approved.
• 100% financing available for the first time buyer including many occupational specific programs.
• Several recently released reverse mortgage programs addressing the needs of homeowners 62 years or older.

To discuss any of these programs, inquire about other mortgage programs and services, or discuss any other issues you may have, please contact our mortgage representative, Mike Hughes directly at (339) 883-9259, or call Touchstone FCU at (978) 657-2223 to arrange for a free consultation.

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Credit Unions, a Safe Harbor for Savings

Credit unions offer a safe harbor for savings in times of economic turmoil. They are member-owned, not-for-profit cooperatives, existing to serve their members, not to profit off of them. Here are some of the ways credit unions like Touchstone Federal Credit Union offer consumer safety and savings.

Credit unions are federally insured, by a fund, the National Credit Union Share Insurance Fund (NCUSIF). Similar to the FDIC, it is backed by the full faith and credit of the U.S. government. The NCUSIF insures a person’s savings up to at least $250,000 and insures IRAs separately up to $250,000. Other types of accounts may be eligible for additional insurance.

In 2007, consumers saved $10.9 billion by using credit unions rather than banks. Credit unions typically offer higher consumer savings due to typically lower fees, higher savings rates, and lower loan rates. Credit unions are well capitalized and have gone into the current economic downturn with strong balance sheets and are expected to be in very strong shape when the downturn ends.

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Touchstone FCU ... Keeping You Safe