3rd Quarter 2018


*APR = Annual Percentage Rate. Rates based on an evaluation of your credit score and your actual rate may vary. Rates subject to change without notice and not all applicants will qualify. Other rates and terms available. Payment Example: A-tier credit rate of 3.00% APR, you pay $29.08 per month for every $1,000 financed. HE loans are limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties. Loans are limited to Berks, Bucks, Carbon, Lehigh, Montgomery, Northampton and Schuylkill counties. $50 government recording fee due at time of application. An appraisal may be required at time of application at borrower’s expense and any amount over $50,000 must have an appraisal completed.    **Valid on Fixed Home Equity Loans only. Government recording fee and appraisal fee will be held in account at time of loan application until the loan closes. Government recording fee will be released at loan closing if borrowing between $10,000 and $49,999 in new money. Government recording fee and appraisal fee will be released at loan closing if borrowing more than $50,000 in new money. Appraisal fee will not be released if loan is canceled for any reason or if appraisal does not meet qualifications for loan. Offer expires July 31, 2018.

*APR = Annual Percentage Rate. Rates based on an evaluation of your credit score and your actual rate may vary. Rates subject to change without notice and not all applicants will qualify. Other rates and terms available. Payment Example: A-tier credit rate of 3.00% APR, you pay $29.08 per month for every $1,000 financed. HE loans are limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties. Loans are limited to Berks, Bucks, Carbon, Lehigh, Montgomery, Northampton and Schuylkill counties. $50 government recording fee due at time of application. An appraisal may be required at time of application at borrower’s expense and any amount over $50,000 must have an appraisal completed.

**Valid on Fixed Home Equity Loans only. Government recording fee and appraisal fee will be held in account at time of loan application until the loan closes. Government recording fee will be released at loan closing if borrowing between $10,000 and $49,999 in new money. Government recording fee and appraisal fee will be released at loan closing if borrowing more than $50,000 in new money. Appraisal fee will not be released if loan is canceled for any reason or if appraisal does not meet qualifications for loan. Offer expires July 31, 2018.


NCUYM

This year’s National Credit Union Youth Month was celebrated in April with the theme “Learn…The Science of Saving at your Credit Union”.

We opened 15 new youth accounts. Kirby members received double Kirby Credits, a Science of Saving goodie bag, and were able to enter our Grand Prize drawing for a one year Da Vinci Science Center family membership & Robot Kits. Claim Your Youth (CYY) members were able to enter our CYY quarterly drawing for $100 and our Grand Prize drawing for a $75 VISA gift card, 2 AMC tickets, & 2 Da Vinci Science Center single admission tickets. Congratulations to the following winners:

Kirby Club
Brady Zimmerman

CYY
Katie Conrad

$100 Quarterly CYY drawing 
Chris Whiteman


Identity Theft Protection While Traveling

Travel can make you especially vulnerable to identity theft. Regardless of where you’re visiting, you’ll likely be carrying more valuables with you than usual. It’s crucial to prepare ahead of time and do what you can to prevent identity theft while traveling abroad.

Payments

Stolen wallets frequently lead to identity theft, so consider using travel pouches rather than carrying your wallet in a pocket or having it easily accessible in your bag. Travel pouches will also prevent you from accidentally leaving your wallet in a vulnerable place. Keeping secure information out of sight will prevent identity thieves from capturing your personal financial details. If you go to a restaurant and pay with a credit card, make sure you sign the receipts and hand them directly back to the waiter or waitress. Also, keep a copy of your receipts. Leave checkbooks at home in a locked safe or drawer.

For full article, click here.


2018 Refer a Member. Get your family members and educational co-workers to follow you to better financial services

March them in to take advantage of all the FREE services LVECU offers!

  • FREE Checking

  • FREE VISA® Debit Card

  • 55,000 Nationwide Surcharge-FREE ATMs

  • FREE Online Banking

  • FREE Mobile Banking

  • FREE Bill Pay

  • FREE Check Deposit by Phone

Plus...

  • Great Loan Rates

  • Member Benefits

  • No Annual Fee

  • VISA® Credit Cards

  • Discount Movie Tickets

  • VISA® Gift Cards

  • ...and more!

Have them visit our website to join online - it couldn’t be easier! www.lvecu.org

*Offer valid May 1, 2018 through July 31, 2018. Must be a new member/new social security number. Please see website for eligible family members. Eligible co-workers include employees of all public, private & parochial schools, colleges and universities in Berks, Bucks, Carbon, Lehigh, Northampton, Montgomery, & Schuylkill counties. Please see website for complete listing.


Get special educator discounts and benefits on your auto insurance!

Car

If you’re shopping for auto insurance, take a look at Horace Mann – the company founded by educators for educators in 1945. Two teachers started our company because they believed educators deserved better protection at a better rate – and we still believe that today.

We offer special benefits that most companies don’t offer — including our exclusive Educator Advantage® package – and an educator discount that can save you up to 10%. Furthermore, because you are a member of the Lehigh Valley Educators Credit Union, you may be eligible to receive an additional discount of 3% and another 3% if you enroll in Easy Pay, our automatic premium deduction service.*

Please let me give you a no-obligation quote today. And when you decide to make a change, I can help you get any refund due from your current insurance company. Start saving today – and put those savings to work by planning for a financially successful future – by calling me at 570-810-2081.

Nick Weschler Agency • Horace Mann

*You must be a credit union member and participate in Easy Pay to get credit union discounts. Horace Mann Insurance Company and its affiliates underwrite Horace Mann auto insurance. The benefits and discounts listed are only general descriptions of coverage and do not constitute a statement of contract, are subject to terms and conditions and may vary by state.


Relax this summer. You have 55,000 surcharge free atms worldwide. Never pay another atm surcharge! Look for the allpoint symbol on the ATM

Hurricane Maria

We have an aunt, in Allentown Pa., in the States
She said she’ll meet the children at the arrival gates
The children can stay at her place for a while
But, she’ll need some help, providing more than a smile.

Now the children have been enrolled in school
Hats, gloves, and jackets – took the cold, made them cool
Uniforms, school supplies, and the language they speak
I hope helps them find the comfort they seek.

Rooster
ASD Homeless Children & Youth Liaison

Sometimes you want to explore a new land
Usually that’s something that needs to be planned
No one knew the wind and rain would take away hope
Turn out the lights, send mud down the slope.

The sound of generators, the smell of gas
Houses in splinters, not one pane of glass
Roads washed away, “there’s no water today”
A few months they say, How can we stay?

Where is my house, my dog, where’s my car
Where’s the emergency money I hid in the jar
My children have to get to a safer place
There’s no finish line, no one wins this race.


Member Benefits

Crayola Experience, Dorney Park, GM & Shop American Discount, LV Zoo, Movie Tickets, Blue Mountain Summit Aerial Park

Click here for a complete list of member benefits.


A scam story: Secret shopping and fake checks

By Emma Fletcher, Division of Consumer and Business Education, FTC

Check

Scammers need a good story to get to your wallet. Once they find one that works, they use it again and again. One of their old favorites brings together fake checks and secret shopping, and we’ve been hearing a lot about it lately.

Here’s how it starts. You get a check in the mail with a job offer as a secret shopper. You deposit the check and see the funds in your account a few days later, and the bank even tells you the check has cleared.

Now you’re off to the store you’ve been asked to shop at and report back on, often a Walmart. Your first assignment is to test the in-store money transfer service, like Western Union or MoneyGram, by sending some of the money you deposited. Or you might be told to use the money to buy reloadable cards or gift cards, such as iTunes cards. You’re instructed to send pictures of the cards or to give the numbers on the cards.

Click here for the full article.


Events