Blue Book Trade-In Value on your vehicle PLUS $500!
Or, get a $200 Gas Card!

Upon used vehicle purchase from Enterprise Car Sales. March 1 through April 30, 2010. More information on Enterprise's Spring it On! Used Car Sales Event!

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.

We can't always control what life hands to us — how you handle it can make all the difference. When you team up with a financial planner, you get Objective Perspective, Reinforcement, and Customization. No matter what life hands you, we can help you to make adjustments to your financial plan and keep you on course. For more information, read the latest release from Northeast Planning Associates, Inc. (NPA)!

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 or George Slyman, call (800) 553-3220 or (978) 657-2223. Click here to read NPA's latest release, or 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.  Branch 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162.

Cedit 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.