A Publication for the Members of Hershey Federal Credit Union

SPRING 2016

WINTER 2011 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

Feature Rates

Vehicle APR* New Vehicle As low as 1.99% Used Vehicle As low as 1.99%

Home Equity APR*

5 Yr Fixed 3.24% 10 Yr Fixed 4.52% 15 Yr Fixed 4.52%

Other Loans APR*

Signature As low as 5.99% HFCU Visa® As low as 8.90% HELOC As low as 4.00% Home Mortgages Call for a quote

Certificate & Money Market Accounts

See HFCU website for up-to-date rates.

All rates as of 3/28/16. For a listing of all HFCU Rates, visit HFCU online at www.hersheyfcu.org or call an HFCU office.

*Annual Percentage Rate (APR) is best rate available for loans. Actual rates may vary and are based on credit worthiness and an automatic payment from an HFCU share draft or savings account. Certain restrictions apply.

All rates are subject to change without notice. See website for up-to-date rate listings.

SPRING 2016 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

HFCU EventsSS Retirement Seminar– Thursday, April 21 (see details on page 2)Youth Day– Saturday, April 23 Hershey Branch 1 p.m. - 3 p.m.Annual Meeting– Wednesday, April 27 Hummelstown Branch 4 p.m.Memorial Day– Monday, May 30 All branches closed

Home Loans• FHA 203K• PHFA• Jumbo• Refinance

• Fixed Rate• Adjustable Rate• FHA, USDA and VA• Construction to Permanent• Home Equity• HELOC

SpringTime Road Trip...With no car payments and no

interest for 3 months

HFCU is Central PA’sDrive Free for Three

Auto Loan Headquarters

PAGE 2 - SPRING 2016 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

HFCU UpComing EvEnts

2016 AnnUAl mEEting

All HFCU members are invited to the Annual Meeting on Wednesday, April 27 at 4 p.m. at the Hummelstown Office.

This is the time for you to meet the HFCU Board of Directors and take part in a review of HFCU’s past year with a look ahead at the coming year.

We also have a raffle drawing so you have the chance to WIN prizes! Proceeds from the raffle benefit the Central Pennsylvania Food Bank.

There is no cost to attend the meeting, but registration is required. Simply call any HFCU office at 717-533-9174 to register.

This promotion only applies to deposits of $5 or more into existing accounts or opening a new youth membership. Limit one transaction during the week of April 18-23, 2016

Hershey Branch 904 East Chocolate Ave.

Saturday, April 23 1:00 p.m. - 3:00 p.m.

We are excited to share with you the Social Security and Your Retirement Seminar, brought to you exclusively by MEMBERS® Insurance & Investments!

Seminar Objectives:

• The important “rules of the road” for receiving Social Security benefits.• How to evaluate the possible routes you can take to maximize Social Security benefits.• Ways to develop a retirement income plan that considers your Social Security situation.

Thursday, April 21St. Paul the Apostle Church125 Spruce St., Annville, PA

6:00 p.m. - 7:30 p.m.

To RSVP please call or email:Eileen Redinger

717-533-9174 x 203eredinger@hersheyfcu.org

$1,000 sCHolArsHip (DEADlinE - JUnE 3rD)Applications for the 2016 $1,000 Richard E. Fogleman Memorial Scholarship are due by Friday, June 3. All HFCU members pursuing a post-secondary education are eligible to apply for the annual scholarship.

Applicants are judged on their scholastic and extracurricular activities as well as a 300-word essay.

Applications are available at www.hersheyfcu.org.

YoUtH DAY (April 23)

Come to the Hershey branch & enjoy snacks, games & prizes! Not only that... if you're a current HFCU member under the age of 18 and deposit $5 or more HFCU will make a bonus deposit of $5 into your account.

All new youth & teen memberships established during this week will receive a $10 bonus deposit.

HFCU will show youth and teens how to get Credit Union Strong™ and pump up their savings at their credit union.

PAGE 3 - WINTER 2011 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.orgPAGE 3 - Spring 2016 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

mortgAgEs

Hershey Federal Credit Union offers one of the premier First Mortgage Programs in the country. The program includes Conventional, FHA, VA, PHFA, USDA, and Construction loans. The available financing options will allow you to buy your dream home or reduce your monthly housing expenses with the assistance of an experienced team of dedicated mortgage professionals. The team has been nationally recognized in mortgage publications and averages 17 years of First Mortgage experience. Hershey has assembled this team to serve you, the member.As with any product you are offered at Hershey FCU, you will receive a mortgage financing option at a great rate with low fees. Our team will help you understand the process of homeownership and walk you down the path of the right financial solution. When shopping for the best mortgage, knowing the facts will help members obtain the right loan for their particular situation. A great place to start is by gaining an understanding of the differences between a fixed-rate and an adjustable-rate mortgage.

Fixed Rate MortgageThese are predictable mortgages with repayment terms usually stretching 15, 20 or 30 years. What makes them predictable? Both the interest rate and the monthly payments remain fixed throughout the life of the loan. Many members opt for a fixed-rate mortgage if they are purchasing a new home during a time when interest rates are low. Regardless, some people simply appreciate knowing what their monthly bill is going to be each month.

Adjustable Rate Mortgage (ARM)In comparison to fixed-rate mortgages, adjustable-rate mortgages usually start at a lower rate that is fixed for a period of time, usually 5 years. When the rate increases or decreases (usually after 5 years), so does the mortgage payment.As with any product you’re offered at Hershey FCU, you will have a great rate with low fees. Our team will help you understand the process of home ownership and walk you down the path to finding the right financial solution because you’re family! To find out more information, please visit your local branch or call 717-533-9174 for a free consultation.

HFCU’s sECUritY inFo CornEr

What is Phishing?Phising is when internet fraudsters impersonate a business or government entity to trick you into giving out your personal information. Never reply to email, text, or pop-up messages that ask for your personal or financial information.

How to Deal with Phishing Scams• Delete email and text messages that ask you to confirm or provide personal information (credit card and bank account numbers, Social Security numbers, passwords, etc.). Legitimate companies don’t ask for this information via email or text.• The messages may appear to be from organizations you do business with - financialinstitutions, for example. They might threaten to close your account or take other action if you don’t respond.• Don’t reply, and don’t click on links or call phone numbers provided in the message, either. These messages direct you to spoof sites – sites that look real but whose purpose is to steal your information so a scammer can run up bills or commit crimes in your name.• Area codes can mislead, too. Some scammers ask you to call a phone number to update your account or access a “refund.” But a local area code doesn’t guarantee that the caller is local.• If you’re concerned about your account or need to reach an organization you do business with, call the number on your financial statements or on the back of your credit card.

Further information can be found at www.ftc.gov.

Holiday Closings & Events HFCU offices will be closed for the holiday. But remember, you can use HFCU ATMs, Internet Branch & Mobile Branch, 24 hours per day, 365 days per year!

• Monday,May30-MemorialDay2015 Annual Report Now Online:Our Annual Report is now available online. Just go to the “About Us” menu at hersheyfcu.org and select the “News” option to view and download the 2015 report, as well as the past issues.

OFFICE NOTES

232 Hershey RoadHummelstown, PA 17036

PRST STD U.S. POSTAGE PAID

HARRISBURG, PAPERMIT NO. 488

Main Office232 Hershey Road • Hummelstown, PA 17036Phone: 717-533-9174 • FAX: 717-583-5234

Toll Free: 800-832-4328E-mail: hfcu@hersheyfcu.orgWeb Site: www.hersheyfcu.org

Hershey Branch904 East Chocolate Avenue • Hershey, PA 17033

FAX: 717-533-5241

Annville Branch710 East Main Street • Annville, PA 17003

717-868-3080 • Fax: 717-868-3083

OFFICE HOURSMon. - Thurs: 9 AM - 5 PM Wed: 9:30 AM - 5PM

Fri: 8 AM - 6 PM Sat: 9 AM - 12 PM

MERLIN - Telephone Access Service1-800-432-3207

HFCU Investment & Retirement Services717-533-9174 ext. 410

EMV Check CardComing this Spring, all members who have an active HFCU Check Card will be receiving a new EMV chip-enabled HFCU VISA Check Card.

This new card is the first re-design of our check card in almost 18 years and features the latest in card security with the new EMV chip.

Please activate your new card as soon as you receive it. For security reasons, if you do not activate your card within a few weeks of receiving it, both your new card and your existing card will be temporarily blocked (unable to perform transactions) until you activate the new card. Once your new card is activated, your old card will be de-activated and you should destroy it.

The new cards will come with new PINs. You will receive the PIN mailer a few days after you receive the card. If you would like to change your PIN from the randomly-generated one, you can do so by calling 1-877-746-6746. If you call to change your PIN within 14 days of receiving your new card (which must be activated first), you will not be charged the standard $5 PIN change fee.

After activating your new card, you should use the EMV purchase option wherever it is available, but the “swipe & sign” option will also work for those merchants who have yet to convert to the chip technology.

If you have any questions about the new cards, please call, email or stop by any HFCU office.