SHARE INSURANCE RISES TO PROTECT YOUR ACCOUNTS

Open your 2009 CHRISTMAS CLUB today!
All automatic deposits will continue.
Need to increase? Just give us a call!
| GAP ACCESS - Online Banking - Access your accounts online, transfer funds, view your statement and pay your bills! Need Access? Contact any of our offices to enroll in Online Banking, e-statements, and/or electronic bill pay! All available thru GAP Access! |

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eZCardInfo to access your G.A.P. VISA account anytime, anywhere, 24 hours a day and 7 days a week. View your statement and/or pay on your VISA credit card.
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Beware of Phishing and
Other ID Theft Scams
If you receive an email from G.A.P. Federal Credit union requesting financial information or any other personal or sensitive data:
- Treat the email with suspicion.
- Do not reply to the email or respond by clicking on a link within the email message. G.A.P. Federal Credit Union will never ask you to provide any kind of confidential or financial details via an email request.
- Contact us as soon as possible to report the suspicious email.
Click here for details on How Phishing Works? and How To Protect Your Personal Information.
To prevent unauthorized use of your ATM or Debit card: Commit your PIN to memory; Never write your PIN directly on your card, if you must keep a written record, store it away from your card; Don't give anyone else your PIN.
Protect yourself against Plastic Card Losses! Today the average American adult owns and uses 11 "plastic cards". Plastic card is catchall term that refers both to debit cards--automated teller machine (ATM) and point of sale (POS) terminal cards--as well as credit cards.
Card safety starts by keeping constant control of your cards. Remember to always:
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Sign your cards immediately upon receipt.
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Carry only cards you plan to use.
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Watch all card transactions carefully.
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Store unused cards in a secure, locked place.
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Cut up and discard old or unwanted cards.
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Never loan your plastic cards or personal indentification number to others.
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Inventory all the cards you own and keep the list separate from your cards.
VERIFIED BY VISA

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.

"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. After baby is born, watch for our packet with instructions in the mail. "CHILDREN ARE THE MEMBERS OF THE FUTURE"

!!FRAUD ALERT!!
A fraudulent telemarketer or direct-mail piece may seem to be selling a service or product, but the swindler's actual intent is to get your account number. Equipped with this vital information, the thief can encode your number on a false check, credit card or debit card.
Protect your money by being informed and on guard. Never give out your account numbers, whatever ploy might be used to get them. If you have revealed the information, inform us at once to block your credit or debit card and/or authorize a stop payment order on a share draft! YOU CAN STOP THE SCAMS. WE'RE HERE TO HELP.

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72nd Annual
Meeting Notice!
Join Us Saturday,
March 7th
Ace's Lounge...Watch for your Invitation
It's a Mardi Gras Celebration!

This symbol insures the safety of your funds with us!
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New Hours at our Carrolltown Office
Monday thru Thursday
9:30AM to 3:30PM
Wednesday Evenings
6:00PM to 7:00PM
Friday's
10:00AM to 4:30PM
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Looking for that perfect baby gift? Something that keeps on giving?

FRAUD
ALERT!
IRA 36 MOS CERTIFICATE OF DEPOSIT
4.40%APY
including TRADITIONAL, ROTH & COVERDELL ESA
R U Up-to-Date?
Student Loans weighing
you down??

Available at all offices!

"No Surcharge"
ATM available
at our Northern
Cambria office!
*Located in the lobby of the NorCam Bldg at
387 Theater Drive, Carrolltown.


Reorder Checks!
 Go to "Checks Here" on our Online Services page to reorder your checks online. Some restrictions may apply.

APPLY ONLINE!


US SAVINGS BONDS
Series I = 5.64%
Series EE = 1.30% FIXED
New rates 05/01/2009

NEW WEBSITE!! CHECK OUT OUR
 USED CAR DEALS! OUT OF THE AREA? WE'LL DELIVER THE VEHICLE TO YOU!!

NO SURCHAGE ATM'S


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