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Prescription Monthly Refill - November 2009
Is Your Credit Card a Chameleon...
Changing Rates? Terms? Fees?
 Even if you have stellar credit, you may want to keep an eye on your interest rate, terms and fees on any credit card you carry. Many rates are now well over 25.00% APR* - even for the best credit score consumers. If you are tempted by balance transfer promotions, be cautious with them as well. Balance transfer fee percentages are increasing or are no longer capped at a maximum charge. Several card companies are now charging annual fees too. All this means you'll pay more for the same credit you have established if you carry a revolving balance.
Is it time for you to make a change? Then change to our fixed rate 9.90% APR* VisaŽ Platinum. With MSDFCU, you'll know you'll have a card you can rely on despite the changing climate. Apply today!
* Annual Percentage Rate
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Congratulations Cow Plop Winners!
 Thanks to everyone for making the 10th Annual Charity Cow Plop a success. Both our charities received $11,750 and our three winners were (left to right): Tom Cherry (1st place), Beverly Slifer (2nd place), and Martin McMahon (3rd place).
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 Time for 2010 High School Graduates to Apply for Cash Awards
We are now accepting applications for the 39th Raymond O. Hoffman Awards. Last year, five high school graduates were awarded $5,000 each based on their commitment to community service. Applicants must be members or be eligible for membership in MSDFCU. The deadline for applications is January 22, 2010.
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It Doesn't Hurt to Visit Kurt
 Have you made the time to review your personal financial health recently? Why not take the time to discuss it with Kurt. Review your economic condition based on your own personal situation with someone you can trust. It's essential to review your plan annually as economic conditions fluctuate and you may need your financial prescription adjusted. Take the time and schedule your visit today for your economic health tomorrow.
Call (215) 996-3777 to schedule a no-obligation financial prescription today!
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.
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 Get a Jump on Your Holiday Shopping
7.99% APR* Holiday Loans are now available up to $2,500 for one year.
*APR = Annual percentage rate. Rate based on automatic deduction from MSDFCU account, otherwise rate is 0.25% higher. Estimated monthly payment per $1,000 borrowed over 12 months = $86.98. Offer Expires 12/31/2009.
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Upcoming Events and Holiday Closings
| MEMBERS Financial Seminars |
Legal Planning with Attorney
C.G. Cheleden
Wednesday, November 4, 2009
11:30 a.m. - 1:00 p.m.
Upper Gwynedd 2A102 |
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Retirement Plan
Distributions
Learn how to build a comfortable
lifestyle for your future
Wednesday, November 18, 2009
6:00 p.m. - 7:30 p.m.
Chalfont Board Room |
Call (215) 996-3777 to reserve a seat.
Santa Is Coming to the Chalfont Branch
Save the date... Santa's coming to Chalfont on Saturday, December 12, from
9:00 a.m. until 12:00 p.m.!
Holiday Closings
All MSDFCU offices will be closed on Wednesday, November 11, 2009, in observance of Veterans' Day and Thursday, November 26, 2009 in observance of Thanksgiving Day. You can still access your account through Home Banking, CUTIPS, and at all ATMs.
View
all holiday closings.TOP
By not printing this e-newsletter, you've helped us save paper, ink, trees, and helped conserve our natural resources.
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