CONNECT WITH NEFCU. October Take the Chill out of Winter. Seminars at nefcu. When you need help with fuel costs, NEFCU is there

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CONNECT WITH NEFCU

Take the Chill out of Winter

Federally insured by NCUA

When you need help with fuel costs, NEFCU is there

The thought of high winter heating bills are enough to give anyone chills. The good news is that NEFCU can help you with your winter energy costs with a range of cost-effective loans.

Cover High Winter Fuel Costs

Whether you heat with oil, propane, cordwood, or pellets, it’s common for costs to spike during the winter months. NEFCU allows you to borrow funds to keep your home warm this winter at a reduced rate. Fuel Assistance Loans range from as low as $250 up to $10,000 depending on your needs. Funds are paid directly to the service provider and you have up to a year to repay the loan.

Boost Your Home’s Energy

Efficiency

Your smartest energy move may be to improve your home’s energy efficiency. You can borrow funds to cover the project, such as installing new windows and doors, a high-efficiency furnace or appliances, upgraded insulation

and more. Depending on the age and condition of your home and heating equipment, you may be able to cut your energy bills by 30% or more. In many cases, you can recoup your installation costs in just a few years. NEFCU offers three loans to improve your home’s efficiency:

·Energy Smart Loan offers a low interest rate and flexible repayment schedules for qualifying efficiency projects. ·Home Equity Loan lets you use the

equity in your home to borrow at a great rate and potentially earn a tax deduction.

·Home Improvement Loan offers cost-effective rates and flexible repayment terms. Depending on your project, you may also qualify for rebates from Efficiency Vermont.

The best solution for you depends on a number of factors, so the best move is to check out our website and then talk to one of our loan officers. They’ll map out your options and help you determine what works best for your home. Call us today at 866-80-LOANS to get started.

O c t o b e r 2 0 1 5

Seminars at nefcu

SCORE ROUNDTABLE SERIES IS A SMALL BUSINESS RIGHT FOR ME?

Tuesday, October 6

VT DISTINGUISHED WRITERS’ SERIES REEVE LINDBERGH

5:30-6:30 PM Thursday, October 8 ESTATE PLANNING Thursday, October 15 SCORE ROUNDTABLE SERIES NEED HELP MANAGING YOUR SMALL BUSINESS - 20 QUESTIONS FOR YOUR

ACCOUNTANT Tuesday, November 3

These seminars will be held at NEFCU, 141 Harvest Lane, Williston. Seating is limited and reservations are required. All seminars are from 5:30-7 pm unless otherwise stated. Register at nefcu.com or call 800-400-8790.

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In a busy world, who has time for complications? That’s why NEFCU combines the best checking features into a single checking account. We call it: SimplySmarter Checking™. Whether you’re banking online, on your phone, or from a checkbook or ATM, SimplySmarter Checking makes it happen seamlessly. For starters, you get unlimited check writing, a debit card and ATM access. Plus you get our full range of online and mobile banking features, as well as Accountline telephone banking. Best of all, SimplySmarter Checking comes with “five ways to free” – there are no fees if you meet any one of five minimum requirements. Simple. Smarter. That’s checking with NEFCU. To learn more, visit nefcu.com or call us at 800-400-8790.

Have you switched your credit card?

Get on the RightTrack!

For Young Adults 16-21

Checking That’s Simply Smarter

1404_CSIJ76075095-00G

The RightTrack financial education series teaches young adults ages 16-21 how to properly open, manage and use a NEFCU checking account, debit card, and VISA®� credit card. It’s a great way to get started in life with good financial management skills, and build a solid credit score. The program is free online at nefcu.com.

After taking just three required online classes, participants can open their own NEFCU checking account along with a debit card. We will give you the complete tour of NEFCUOnline, Account Alerts and Mobile Banking, how to make deposits and withdrawals, and how to use the ATMs. As an added bonus, NEFCU will deposit $25 in the new checking account.

For a full program description, please go to nefcu.com, click on “Education” and then “Young Adults.” Get started today! If you are under 18, you will need the consent of a parent or guardian to participate, however the parent/guardian will not be joint on the checking account.

For those choosing to open a RightTrack Visa Card, by law, anyone under the age of 21 must have a co-signer unless able to qualify for the card independently. Essentially, this means you already have “good credit” and a job/income. Check out Important Program Details online to learn more about the program.

If you have any questions, please call TeleBranch at 802-879-8790 or 800-400-8790.

Here Come the Holidays

The benefits of NEFCU’s VISA�

Explorer card are on full display during the run up to the holiday season. It all starts with fantastic rates which are half of what most cards charge. If you carry a balance on your credit card, our low rates can save you hundreds of dollars or more per year. Pay your card in full each month? Then an Explorer Rewards card gives you cash back on every purchase. Finally, if you’re considering holiday travel, the Visa Explorer card includes smartchip technology which offers added protection for your information when used with compatible card readers. Savings, convenience, and security. Three important reasons to switch to a NEFCU Visa Explorer card today. Apply online at nefcu.com or call 866-80-LOANS.

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I N S U R E . I N V E S T. R E T I R E .

Available through CUSO Financial Services, L.P. (Member FINRA/SIPC)

Age Doesn’t Matter

Focus on Retirement Savings Today!

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Jonathan Whitehouse

Financial Consultant CUSO Financial Services, L.P.

whitehouse.cfsinvest@nefcu.com 802-764-2626 • 800-400-8790

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. New England Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its Registered Representatives do not provide tax or legal advice. For such advice, please

consult with a qualified professional. 1404_CSIJ76075096-00G

Scott M. Hinman

Financial Consultant CUSO Financial Services, L.P.

hinman.cfsinvest@nefcu.com 802-879-8792 • 800-400-8790

SEMINAR

Investment Basics

Wednesday, October 28 * 5:30-7 PM

NEFCU, 141 Harvest Lane, Williston

Thursday, October 29 * 5:30-7 PM

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Take the Chill out of Winter

The thought of high winter heating bills are enough to give anyone chills. The good news is that HealthOne can help you take the bite out of winter energy costs with our Fuel Assistance, Home Improvement, or Energy Smart loans.

Call us today at 800-966-8200 and ask about which loan will best work for you.

600 Lafayette East Detroit, MI * 200 Renaissance Center · Detroit, MI * 2060 E. Ninth Street, Cleveland, OH * 800-966-8200

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