Prescription Monthly Refill - September 2009
Fixed ARM for the first 5 years at 3.99%* (3.484% APR**)!
There is still time to take advantage of this special offer on our Adjustable Rate Mortgage (ARM)! Refinance your mortgage and even take cash out to pay off other higher rate loans to a maximum 80% loan to value. Rate lock is available for refinances and purchase agreements.
Check our current rates and terms, or call Richard Haselbarth at (215) 996-3737 with your questions. Apply today to start saving and beat future rate increases.
* 3.99% 5/1 Adjustable Rate Mortgage is a 30 year amortized mortgage loan with a fixed rate for the first five years and annual adjustments thereafter of up to 2% per year and maximum adjustment of 6% lifetime (9.99%). Additional fees may apply for higher loan-to-value loans, cash-out refinances, or credit score. Maximum loan amount $417,000, and offer for owner-occupied primary residences in Pennsylvania and New Jersey - no second homes or investment properties.
** 3.484% APR is based on a $200,000 mortgage with $1,343 in prepaid finance charges.
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 Celebrate Credit Union Week
October 11-17, 2009
Every year, the third week in October is set aside to
celebrate credit unions all over the world with Thursday being
designated International Credit Union Day. As a member of the
Credit Union family, you enjoy service, lower fees and better
rates than you would normally find at other financial
institutions. Credit unions across the country can be proud of
their "not for profit, not for charity, but for service" motto
and member-owned cooperative business
status. During Credit Union Week, we'll
celebrate each new member by putting the first five
dollars into the new member's savings account. It's a
great time to tell your family about the Credit Union and have them
sign up as members. Plus, every member who visits a branch can
pick up a 2010 pocket calendar (while supplies last).
It's our gift to you to say, "Thanks for being a
member-owner."
On Thursday, October 15, we're celebrating International
Credit Union Day with a shredding event at the
Harleysville Branch office from 3:00 p.m. until 6:00 p.m.
We'll also have refreshments at all the branch offices.
Don't forget to tell your colleagues who aren't members as they're
welcome to stop by as well and use the coin counter for
free on Thursday only at the Lansdale and Harleysville Branches. (It's always free for
our members.)
It's your money, it's your choice, and it's your Credit
Union. Make the most of your membership and celebrate with us!
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Save Time with e-Deposits
This FREE service allows you to deposit checks online and
receive instant credit to your checking account - up to your
e-Deposit limit when you qualify. e-Deposits save you the
hassle of making a special trip to a branch. It's great for
students at college and parents with busy schedules.
When you sign up for e-Deposits through Home Banking,
a supply of pre-addressed envelopes will be sent to you
automatically. You may request additional envelopes through
info@msdfcu.org.
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 Get It Before It Sizzles Out!
Get our 3.99% APR loan specials while they're hot on:
- Auto Loans - new, used or refinance your auto
with a rate that smokes the competition of only
3.99% APR up to 5 years!
- Home Equity Line of Credit Loan - Stoke your
home improvement dreams with a fixed-rate on your line
of credit of only 3.99% until June of 2011!
These rates may burn out without notice! If they
strike a match with your needs, contact us at 215-996-3700 or
apply online.
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Reducing Spam
Spam is the electronic version of "junk mail." The term
spam refers to unsolicited, often unwanted, e-mail messages.
Spam is a common, and often frustrating, side effect to having
an e-mail account. Although you will probably not be able to
eliminate it, there are some steps you can take to
significantly reduce the amount of spam you receive:
- Don't give your e-mail address out arbitrarily.
- Check privacy policies before submitting your e-mail
address online.
- Be aware of options selected by default - when you sign up
for some online accounts or services, there may be a
section that provides you with the option to receive
e-mail about other products and services.
- Use filters - many e-mail programs offer filtering
capabilities that allow you to block certain
addresses or to only allow e-mail from addresses on your
contact list.
- Report messages as spam - most e-mail clients offer an
option to report a message as spam or junk. If
your computer has that option, take advantage of it.
- Don't follow links in spam messages.
- Disable the automatic downloading of graphics in HTML
mail.
- Consider opening an additional e-mail account - many
domains offer free e-mail accounts. If you
frequently submit your e-mail address (for online shopping
or signing up for services), you may want to have a
secondary e-mail account to protect your primary
e-mail account.
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 Take a Chance on the Cow Plop!
Deeds are still being sold for the 10th Annual Charity Cow Plop to be held on
Saturday, October 10, 2009. Last chance to purchase a deed will be October 2nd (or
earlier if all deeds are sold). Help support those in need and
purchase your deed for $10 today!
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Upcoming Events and Holiday Closings
CU Succeed University
All classes begin at 6:00 p.m. and end at 7:15 p.m. and
are held in the Board Room of the Chalfont Branch Office.
Pizza will be served prior to the meetings beginning at 5:30
p.m. Class size is limited, so please make your reservations early.
CU Succeed University Schedule:
Session
One:
Budgeting
Wednesday, Oct 7 |
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Session
Two:
Saving
Wednesday, Oct 21 |
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Session
Three:
Credit
Wednesday, Nov
4 |
Please note: when you register, you are automatically
enrolled in all three sessions.
Harleysville Branch Shredding Event
On Thursday, October 15 from 3:00 p.m. until 6:00 p.m.
the shredding truck will be at our Harleysville Branch to properly dispose of
your documents. Not sure what you should shred and what you
need to keep? The IRS has general information and also publication 552 with detailed retention
periods for documents that will help you determine what to
keep and what to shred.
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Santa Coming to Chalfont Branch
Save the date, Santa's coming to Chalfont! |
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Location: |
MSDFCU Chalfont
Office
335
W. Butler Ave. (Rt.
202)
Chalfont,
PA 18914 |
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Date: |
Saturday, December 12 |
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Time: |
9:00 a.m.–12:00 p.m. |
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Get your wish list ready and get a free photo with Santa.
Enjoy some snacks and come join us for some
fun! |
Holiday Closings
All MSDFCU offices will be closed on Monday, September
7, 2009, in observance of Labor Day and Monday,
October 12, 2009 in observance of Columbus Day. You
can still access your account through Home Banking, CUTIPS,
and at all ATMs.
View all holiday closings.
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