Touchstone Federal Credit Union

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.

Monday thru Thursday: 8:00 a.m. to 4:30 p.m. | Friday: 8:00 a.m. to 12:00 p.m.

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.

Visa Rewards Program: As the economy continues to struggle, companies have been faced with hard decisions to be made for the overall interest of the organization. Touchstone FCU regrets to inform you that as of December 31, 2011, we will be ending our Visa Rewards Program, and any existing points will be eliminated on that date. Your loyalty to the Touchstone Visa Card is appreciated, and we are offering a one time credit* to your Visa account in lieu of the points. Credit will be based on your current point level. For more information, and for point and matching credit information, read this Visa Rewards Program Information.

*In order to receive your credit, please contact Touchstone by March 31, 2012.

Visa Credit Card Rate: Effective February 20, 2012, the Touchstone Visa Card rate will increase slightly from a fixed rate of 9.50% APR* to a fixed rate of 10.50% APR*. You have the right to opt out of (not accept) the changes in the APRs by January 15, 2012. For more information about the rate changes, the amendments to your agreement, and your right to opt out, please read this important Notice of Change in Terms to your Visa Card.

Credit Unions offer more favorable fees and rates as they are member-owned non-profits. If you are interested in making the move to a credit union, you are not alone. After the Bank of America announced a $5 monthly fee to make debit card purchases, the Credit Union National Association (CUNA) and National Association of Federal Credit Unions (NAFCU) reported an increase in account openings at Credit Unions. And there was even a Bank Transfer Day movement on Facebook (facebook.com/Nov.Fifth) and on Twitter to urge others to transfer their money to Credit Unions on or by Saturday, November 5th. According to CUNA, in the five weeks leading up to that weekend, over 4.5 billion has shifted from big banks into the nation's credit unions.

Closing out accounts takes time, and you should review your financial picture carefully. Opening accounts can take a little time too. Thinking of moving from a bank to Touchstone FCU? Read "Is it Time to Check Us Out?" for a few tips on how to make the move and useful links for more information.

NEW! It's time to borrow smarter. Touchstone FCU is pleased to partner with Sallie Mae^® through Members United to offer The Smart Option Student Loan^®.

The Smart Option Student Loan^® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

Please use the Sallie Mae link to our student lending page to get started today with an application and more information about student loans. The link is also provided on our Products page.

TEXT MESSAGING SCAM ALERT* The following message is a SCAM: "Your credit union debit card has a pending alert. Call now, toll-free 1-940-XXX-XXXX, and follow the instructions to resolve this alert." If you receive a text or e-mail stating this message, do NOT call the number or give out any of your information. For more information, visit the Fraud Prevention page!

Announcing: Alamo^® and National Car Rental^® Discounts!

NOW AVAILABLE! Great Car Rental rates available online - up to 25% off - from Alamo^® and National Car Rental^®. For more information visit our Vehicle Loans page.

In April, Epsilon, a company used by many retailers to send emails to their customers, was hacked. Files containing names and/or email addresses were accessed by unauthorized entry into their computer system. Exercising caution with email from companies and organizations, even with retailers you trust, is a good way to prevent fraud. Read more about Epsilon in Fraud Prevention.

There have been several fraudulent email messages which appear to come from trusted institutions. Please visit our Fraud Prevention page to learn more about the latest scams. Remember, no organization or institution you do business with will ask you to submit personal information. If an email looks suspicious to you, please do not click on any links, and be sure to notify us!

Exercise care when making donations to disaster relief funds. If you are seeking to aid Japan or any other area hit by a disaster, be sure to make donations through trusted organizations such as the Red Cross. Beware of direct phone or email solicitation.

We are pleased to offer you an upgraded version of Verified by Visa. "Verified by Visa" protects your card against unauthorized use at participating retailers. For more information and to register, go to our secure Verified by Visa link. The link is also available on our Credit and Debit page. EXISTING VERIFIED BY VISA MEMBERS MUST RE-REGISTER

Are you familiar with our new Privacy Policy? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read our Privacy Policy notice carefully to understand what we do.

You can look at your credit report - for free. Under the Fair and Accurate Transaction (FACT) Act, at your request, Equifax, and each of the other two major credit reporting agencies, Experian and TranUnion will provide you with one free credit report every 12 months. You can request your annual free credit report online, or by calling 1-877-322-8228. Note, credit report disclosures do not include credit scores.

Confused about the amount of transfers or automatic payments you can initiate from your savings account? Read What is Reg D?

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^TMpractitioner of Northeast Planning Associates (NPA) can make sure your investment plan is up-to-date. Call Paul M. Goyette, CEP^®, CFS^®, CERTIFIED FINANCIAL PLANNER^TMpractitioner and George K. Slyman, Jr., ChFC, CERTIFIED FINANCIAL PLANNER^TMat (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.

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.