· fees. You could pay off your principal balances faster while saving thousands of dollars. Credit Report Review Learn how to better understand your credit report, dispute inaccurate

HOLIDAY CLOSINGSPresident’s Day Monday February 17, 2020

IMPORTANT DATESTax Day Wednesday, April 15, 2020

Loan Promotion Ends March 31, 2020

WINTER 2020MAIN OFFICESecond Floor, 333 N. Central Ave.Hartsdale, NY 10530

Phone: (914) 946-6200Fax: (914) 946-2910Mon., Tues., Wed., & Fri.:9:00 am–4:00 pmThursday: 9:00 am–6:00 pm

BRANCH OFFICE22 W. First Street, Room 311Mt. Vernon, NY 10550


EqualOpportunityLENDER

PRSRT STDU.S. Postage

PAIDWilkes-Barre, PA

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INSIDE THIS ISSUE:

RELATIONSHIP LOAN PROMO

TAX RETURN DIRECT DEPOSIT

HANDS ACROSS THE COMMUNITY

GREEN PATH

WINTER NEWSLETTER

2020Relatıonship LOAN PROMOTION

0.5%* Rate

Discount

FROM THE DESK OF THE CEOAfter several months as E&G’s CEO, I am pleased to inform you that we have several new initiatives underway. These new initiatives will enhance our services to you and overall value of your membership.

We have developed a service strategy we are referring to as “2020 Vision”, designed to build on our proud tradition of high-touch personal service, bringing you high quality service when and where you want it.

Our credit union team has been actively pursuing a new data processing system that will allow us to serve you better, and faster. Towards the later part of 2020, we expect to provide members with progressive mobile banking services. This will make it easier than ever to do your banking 24/7, wherever you are. Also, by the end of 2020, a new and enhanced loan portal will be available to expedite your home equity, auto or personal lending needs – again, making it easier on YOU to get help from us when you need it.

I am very excited to announce that we recently partnered with GreenPath Financial Wellness, a non-profit whose mission it is to empower people to lead financially healthier lives. Through this partnership, members will be able to access a large number of financial counseling services, at little or no cost. Several FREE services include:

Check our website for additional information that will be posted soon on how to access these important, and free, E&G member benefits.

I would like to take a moment to remind you that E&G is committed to offering high quality service to both current and future generations of members. As a financial cooperative, your patronage is a critical part of our future success! Please encourage your coworkers and family members to join our credit union family and begin utilizing our services. Through your continued utilization of these services, our collective growth as a credit union family will continue throughout 2020 and beyond.

Sincerely,

Garrett R. Gizowski Chief Executive Officer

• Budget Counseling Budget overview, Action Plan, guidance

• Credit Report Reviews Review credit report with member

• Mortgage Delinquency Counseling

• Pre-Purchase Housing Counseling (HUD Approved)

• Rental Counseling (Member is concerned about losing housing due to landlord/tenant issues)

E&G Employees FCU is proud to live by the credit union philosophy of “People Helping People”. We realize that, as a member of the community, we have a responsibility to support our members who make our community better. This is why we have so actively supported three local charities during 2019. These charities include Maria Ferrari Children’s Hospital, Project Morry and The Guidance Center of Westchester. We are so excited to report the following at the conclusion of the 2019 Campaign.

HANDS ACROSS THE COMMUNITY CAMPAIGN

Maria Ferrari Children’s Hospital $1,998.26

The Guidance Center of Westchester $ 487.30

Project Morry $ 393.85

Total 2019 Contribution $2,879.41

Your path to a healthy financial future begins here.

GreenPath’s financial experts will empower you to eliminate financial stress, get out of debt,

increase savings, and achieve your financial goals.

We will take time to understand your financial situation. We’ll develop a personalized plan that

works for you. And we will be here to support you every step of the way.

Take the first step

1-877-337-3399www.greenpath.com

Helping you on your financial journey

Free Financial CounselingWe offer free financial guidance without a sales pitch. A caring, certified GreenPath expert will help you explore options for easing financial stress and achieving your financial goals. We’ll develop a personalized action plan just for you.

Debt Management PlanIf you have credit card debt, you may qualify for a GreenPath debt management plan. We set up a repayment plan with your creditors that may stop collection calls, reduce interest and eliminate fees. You could pay off your principal balances faster while saving thousands of dollars.

Credit Report ReviewLearn how to better understand your credit report, dispute inaccurate information, and manage your credit score.

Housing ServicesAre you behind on your rent or mortgage payments? GreenPath’s housing experts can help you get back on track. Buying a home? We’ll help you navigate the home buying process and prepare for home ownership. Considering a reverse mortgage or home equity loan? We’ll help you determine if it’s right for you.

Student Loan Debt Counseling We’ll help you look into student loan repaymentoptions that can postpone or lower your payments. Learn the pros and cons of each option so you can make an informed decision.

Online Education• Visit www.greenpath.com for free

eCourses, videos, webinars, calculators andother resources.

• Access free budgeting software on yourfinancial institution’s website.

• Go to www.CheckRight.org for help withmanaging your checking account.

www.greenpath.com

73161_EG winter NL 2020.indd 1 1/28/20 1:26 PM

VISIT US AT 333 N. CENTRAL AVENUE, HARTSDALE: (914) 946-6200 • 22 W. FIRST STREET, ROOM 311, MT. VERNON: (914) 664-2646 OR ONLINE AT WWW.EGEFCU.COM

APPLY FOR A LOAN* TODAY! WWW.EGEFCU.COM, IN PERSON OR BY MAIL. OFFER ENDS MARCH 31, 2020.

Some things are just

*All loan rates are based upon member’s credit worthiness at the time of application. Low as rates shown above assumes excellent credit and discount is only available to members who have both an E & G checking account and direct deposit. Your actual rate may differ. 0.50% discount is deducted from the rate the member qualifies for and applies to new money loans only. This is not a guarantee of credit. An application for credit is required. All rates are subject to change without notice. Mortgage loans, Visa credit cards, overdraft LOC, refinanced credit union loans and add ons are excluded from this discount offer. See www.egefcu.com for current rates or call the credit union at (914) 946-6200.

WE WANT TO REWARD YOU FOR YOUR COMMITMENT TO OUR RELATIONSHIP!We value you and your strong relationship with E & G. To show our commitment to all having a checking and direct deposit with us, we are offering you a 0.5%* loan discount on all auto and personal loans. With this great rate cut, there’s no better time to apply for a loan.

0.5%* Rate

Discount

3.99%*

NEW AUTO LOANS RATE AS LOW AS

OR

3.49%*AFTER 0.5%* DISCOUNT

4.49%*

USED AUTO LOANS RATE AS LOW AS

OR


SIGNATURE LOANS RATE AS LOW AS

7.99%*OR7.49%*AFTER 0.5%* DISCOUNT

LIKE YOU & E&GBetter Together

FAST TAX REFUNDS WITH DIRECT DEPOSITIt’s the safest and fastest way to have access to your refund dollars!

Enter E&G EFCU’s Routing Number: 221977035. (line 20b)

Choose your Checking or Savings account for your deposit by checking appropriate box. (line 20c)

Enter your E&G EFCU Account Number – no spaces or dashes. (line 20d)

3 QUICK AND EASY STEPSJust follow these three steps on your 1040 tax return to have your refund electronically deposited into your E&G EFCU account.

18 Add lines 16 and 17. These are your total payments . . . . . . . . . . . .

Refund

Direct deposit? See instructions.

19 If line 18 is more than line 15, subtract line 15 from line 18. This is the amount you overpaid . .

20a Amount of line 19 you want refunded to you. If Form 8888 is attached, check here . . . .

▶ b Routing number ▶ c Type: Checking Savings

▶ d Account number

21 Amount of line 19 you want applied to your 2020 estimated tax . . ▶ 21

Amount You Owe 22 Amount you owe. Subtract line 18 from line 15. For details on how to pay, see instructions . .

23 Estimated tax penalty (see instructions) . . . . . . . . ▶ 23

Go to www.irs.gov/Form1040 for instructions and the latest information.

2 2 1 9 7 7 0 3 5When you select Direct Deposit on the 1040 tax form, your refund is electronically deposited directly into the credit union account of your choice (Checking or Savings).

THERE ARE MORE REASONS THAN EVER TO LOVE BEING A MEMBER OF EDUCATIONAL AND GOVERNMENTAL EMPLOYEES FEDERAL CREDIT UNION.Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Educational and Governmental Employees Federal Credit Union membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

• Credit union members get $200 when you switch to Sprint! Plus, $100 Annual Loyalty Cash Rewards and 25% off select accessories in Sprint retail stores.

• Credit union membership also saves you up to $15 on TurboTax federal products.

• Members save on SimpliSafe, the #1 expert pick for home security.

• Save 30% on premium identity protection from Financial Lock.

• Save on car maintenance + get $10 off your first service using CarAdvise.

• Educational and Governmental Employees Federal Credit Union members can save big with an exclusive discount from the TruStage Home & Auto Insurance Program.

Learn all about how your Educational and Governmental Employees Federal Credit Union membership gets you all these exclusive savings and more at LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.

Sprint Cash via deposit: $100/line, max 2 lines. Req. new line activ. on eligible plan and registration at lovemycreditunion.org/sprintrewards within 30 days of activ. Loyalty Reward: Via deposit. $100/yr./acct. Unlimited Basic: after 1/31/2021 pay $60/mo for line 1, $40/mo for line 2 and $20/mo/line for lines 3-5 with AutoPay. 1 Hulu ad-supported plan per eligible Sprint acct. MHS reduced to 3G speeds after 500MB/mo. SD video streams up to 480p, music up to 500Kbps, gaming up to 2Mbps. Data deprioritization during congestion. other mo. charges apply.

MORE SAVINGS.MORE POSSIBILITIES.

THERE’S NEVER BEEN A BETTER TIME TO SWITCH TO SPRINTCASH REWARDS & MORE• Get up to $200 cash when you switch two lines• Plus, $100 Annual Loyalty Cash Rewards and 25% off accessories in Sprint retail stores

NOTHING TO LOSE & SAVINGS THAT ADD UPCredit union members can try Sprint’s improved LTE service for 30 days worry-free. If you’re not 100% satisfied, Sprint will refund phone costs, service costs and fees.

IT’S EASY, HERE’S HOW IT WORKS1 2 3Register your new line(s) at

LoveMyCreditUnion.org/SprintRewards.In six to eight weeks, your cash rewards will be deposited directly into your account.

Switch to Sprint and mention you are a credit union member.

Visit LoveMyCreditUnion.org/Paul to learn more.Cash via deposit: $100/line, max 2 lines. Req. new line activ. on eligible plan and registration at lovemycreditunion.org/sprintrewards within 30 days of activ. Loyalty Reward: Via deposit. $100/yr./acct. Unlimited Basic: after 1/31/2021 pay $60/mo for line 1, $40/mo for line 2 and $20/mo/line for lines 3-5 with AutoPay. 1 Hulu ad-supported plan per eligible Sprint acct. MHS reduced to 3G speeds after 500MB/mo. SD video streams up to 480p, music up to 500Kbps, gaming up to 2Mbps. Data deprioritization during congestion. other mo. charges apply.

MEMBERS SAVE UP TO $15

GET YOUR MAXIMUM REFUND GUARANTEED

Visit Your Credit Union’s Website to Save Today!












Permit #413

INSIDE THIS ISSUE:




GREEN PATH

WINTER NEWSLETTER


0.5%* Rate

Discount







Sincerely,


















Take the first step












www.greenpath.com







0.5%* Rate

Discount

3.99%*


OR


4.49%*


OR











Refund




































0.5%* Rate

Discount

3.99%*


OR


4.49%*


OR











Refund









































Permit #413

INSIDE THIS ISSUE:




GREEN PATH

WINTER NEWSLETTER


0.5%* Rate

Discount







Sincerely,


















Take the first step












www.greenpath.com


Documents

· fees. You could pay off your principal balances faster while saving thousands of dollars. Credit Report Review Learn how to better understand your credit report, dispute inaccurate