 OUR ANNUAL AUTUMN VEHICLE
LOAN "RATE" SPECIAL IS BACK!
New Vehicles
2011, 2010, 2009, 2008
as low as 4.49%APR
**financing available up to 72 mos
Used Vehicles
2007, 2006, 2005
as low as 5.50%APR
**financing available up to 60 mos
 GREEN LIVING LOAN
As low as...
7.50%APR
up to 60 months*
June, July, August, September
 For More Information
|
Free Up Your Life!!
CONSOLIDATE NOW AT
6.90%APR
on ALL balance transfers to your
G.A.P. Federal Credit Union
VISA credit card!
Must call or stop in one of our offices to
process the balance transfer.
Offer ends November 30th
*Contact us for more details!
|
| Effective July 1, 2010, ANY NSF item will be returned IMMEDIATELY. Make sure funds are available in your account before you write a check, use your ATM/Debit card, purchase online, pay bills, etc. Keep track of any automatic payments you may have set up to be withdrawn from your shares or share draft account. If the funds are not available at the time of presentment, the item will be RETURNED and your account charged an NSF fee of $30.00 per item. |
NOW OFFERING AN OVERDRAFT PROTECTION LOAN !
|
12%APR*
up to a $2000 Line of Credit
Our Overdraft Protection loan can benefit you in these ways:
* No embarrassment from returned checks.
* No fee charged by merchants for returned checks.
* No hassle if you don't have the funds in your account, if for instance you forget to deposit your paycheck. If you qualify, money from your line of credit is automatically transferred into your share draft account when your account goes negative or, if an emergency comes up, you can call for an advance.
*other terms & conditions apply
Why pay NSF fees when we've got you covered!
Don't Delay! Apply Today!
|
 mOrtGagE MadNeSs!
Fixed/15yrs - as low as 5.00%APR*
Fixed/20yrs - as low as 5.50%APR*
5.25%APR* Variable/20yrs
*other terms and conditions apply
________________________________________________
|
Sales Tax Deduction for Vehicle Purchases
|
|
The American Recovery and Reinvestment Act of 2009 provides a deduction for state and local sales and excise taxes paid on the purchase of new cars, light trucks, motor homes and motorcycles through 2009. The deduction is available regardless of whether a taxpayer itemizes deductions on Schedule A. Purchases before Feb. 17, 2009, are not eligible for this special deduction.
The deduction is limited to the tax on up to $49,500 of the purchase price of an eligible motor vehicle. The deduction is phased out for joint filers with modified adjusted gross income between $250,000 and $260,000 and other taxpayers with modified AGI between $125,000 and $135,000. For more information: New Vehicle Tax Deduction
|
|
|
****DEBIT CARD/CREDIT CARD COMPROMISE****
Some of you may already be aware of debit card & credit card compromises effecting financial institutions and their members/customers across the country. When we are notified of compromised card’s, our procedure is to contact you by phone (by mail if we do not have an updated land and/or cell number) block the compromised card and order a replacement. If we do not hear back from you within two days, the card will be automatically blocked and a new one ordered for you. Due to the unusual circumstances, it may take up to 14 business days to receive a replacement card.
Our Richland branch (814)266-8446 or (877)233-4907) is handling the compromised CREDIT cards, and our downtown office ((814)535-4165 or (800)228-9180) the compromised DEBIT cards.
The above procedures will be carried out as a precaution in any compromised card situation.
These circumstances could at any time effect YOU...always be sure we have your most current contact information!
|
"Stork" Accounts
 Parents, Grandparents, Aunts & Uncles...are you or someone in your family expecting a new "Bundle of Joy"? We will welcome "our" New Little Member by depositing $5.00 to open their very own share account. Contact us when your new "little one" arrives and watch for our packet with instructions in the mail.
"CHILDREN ARE THE MEMBERS OF THE FUTURE"
Two Will Get You Five...
 If you enjoy the low loan rates and fees, convenient, friendly services, and higher savings rates you get from your credit union, share us with your family. Mom, Dad, Sister, and Brother may be eligible to join, too! If Mom complains about high checking account fees at the bank, she'll appreciate our share draft account. If Dad's interested in a new vehicle, he'll appreciate our low-rate vehicle loans. And if Sister and Brother are looking to build retirement nest eggs, they'll appreciate our high savings rates. So send'em our way. They'll thank you. And, as our way of saying thank you, we will deposit "$5.00" to your share account every time you sign up "two" eligible members for membership in the Credit Union. New members may apply online.
IMPORTANT INFORMATION ABOUT PROCEDURES
FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What it means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
POSTAL EASE
Postal Employees... need to increase or decrease your payroll deduction deposited to the credit union, or would you like to have your entire check direct deposited to your G.A.P. FCU account? All postal employees who would like to make changes to their payroll deduction or to start a net check must now call Postal Ease at (877)-477-3273. Have your "PIN" (Personal Identificated Number) readily available. If you've never received a PIN, please contact your Human Resource office. Be sure to contact us for our routing number and your correct account number before making this call!! You may also stop in our office and we will walk you through this procedure.
 |
|
DID YOU
OPT-IN???
For More Information
PURCHASE ADMISSION TICKETS
AT ANY OF OUR BRANCH OFFICES.
KENNYWOOD $22.50
IDLEWILD $25.00
SANDCASTLE $20.00
MANDATORY COMPLIANCE
|
Please Note: Amendment to member business relationship agreement.
As of June 1, 2010, mandatory compliance under the Unlawful Internet Gambling Enforcement Act (UIGEA) of 2006, it is unlawful to engage in an Inernet gambling business through your account. Any such transactions will be restricted and prohibited from being processed through the account or relationship.
|
F.Y.I.
|
►Are you Power of Attorney for a parent, spouse, son or daughter in the military, etc? Are they members of G.A.P. FCU? In order to avoid any delays, make sure we have a copy on file.
►Did you know the Social Security Administration does not recognize a Power of Attorney? SSA requires you to become a Representative Payee. Contact your local SSA office for more information.
►Did you know the ITF (In trust for) on your (owner) account at the credit union is not a "joint owner"; has no access to the funds; cannot transact any business; and will not be given any information about the account during the lifetime of the owner?
If you have any questions on any of the above information, please feel free to contact us.
|
Lost/Stolen VISA Debit Card
Phone Number (800)523-4175
If you discover your visa debit card lost or stolen after business hours and need to call the above phone number, be persistent! Don’t let them tell you we are not in the system. They are there to assist you and ease your mind by blocking your lost or stolen card. Ask them to check the spelling of the credit union. If you have a spouse’s card handy, give them the first six numbers. Don’t give up!
|
|
OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.
Dormant Accounts
A dormant account is a share account that has a balance of $35.00 or less for a period of one year and the member has not contacted the credit union during that time. If a member has a dormant account with us and does not have any other service that would cause the credit union not to impose its dormant account charge, then the members account will be assessed a $10.00 fee for notification of the status of the account and for the continued maintenance of the account. We urge you to get into the habit of depositing at least $5.00 into all of your accounts on an annual basis.
*Share accounts earn interest on balances of $50.00 or more.
Lifes Changes...
Marriage - divorce - death - birth - adoption - all reasons to review your accounts to be sure the joint owners or beneficiaries are exactly the way you want them. Don’t forget to contact us if you want to change, add or delete names from your account(s). It’s great protection to guard against hassles "down the road"!
|
