201 South Jefferson StreetNew Castle, PA 16101Phone: 724-652-5783

Toll-Free: 800-790-5250Fax: 724-652-9864

Phone E-Teller: 724-652-2568

Office Hours Monday 8:30am - 5:00pm Tuesday 8:30am - 5:00pm Wednesday 8:30am - 5:00pm Thursday 8:30am - 7:00pm Friday 8:30am - 5:00pm

www.gncfcu.com

Home Equity Line of CreditIntroductory Rate of .99% APR*

for 6 months!Home is Where the Heart is (and your equity, too!)

Tap into the equity in your home and get approved for a line of credit with an introductory rate of .99% APR* for six months. A Home Equity Line of Credit (HELOC) is popular for its flexibility. Use it to consolidate outstanding higher interest debt, make a major purchase like a car or boat, or even meet tuition deadlines. It’s up to you how and when you use it. For a limited time, we’re waiving the application fee and no escrow is required on new HELOCs. Find out how the equity in your home can work for you by calling our office or visiting us online today.

Kick Up Your Feet with Rates as low as 6.90% APR*If you have credit card balances with high interest rates, check out GNC’s VISA® card at 6.90% APR*. Transfer your balances to a new GNC card (with NO balance transfer fees), and you’ll be doing a Happy Dance thanks to all the interest you’ll save. This great rate applies to purchases, cash advances and balance transfers, so don’t miss a beat. Waltz on over to GNC or go online to apply today.

*Annual Percentage Rate. A sample monthly payment for a credit card balance of $5,000 is approximately $150.00. Credit limit is determined by personal credit history. All rates and promotions are subject to change without notice.

Introductory Rate

.99% APR* for six months!

GNC VISA

*Annual Percentage Rate. After six months the APR is based on the prime rate +.25% with a floor of 2.75%. All rates and promotions are subject to change without notice. Member pays half of all closing costs.

Holiday ClosingsFriday, March 29

Good Friday Close at Noon

Winter 2013

Vehicle Loans with Rates as low as 2.49% APR*Our loan rates will stop traffic!

You don’t have to travel any further than GNC to find great car loan rates on new and newer vehicles. Stop in or go online to learn more about GNC car loan rates as low as 2.49% APR* with terms up to 72 months on 2011 cars and newer. If you already have a loan from another financial institution with a higher rate, ask one of our loan specialists how to refinance the balance. Don’t get stuck paying too much interest! Apply at GNC today!*Annual Percentage Rate. A sample monthly payment for a car loan of $20,000 for 72 months at 2.49% would be approximately $299.33 All rates and promotions are subject to change without notice.

You Owe. Now what? Time for a Personal Loan!Unfortunately, things don’t always go as planned. Like that tax refund you were counting on. Instead, you found out that you OWE money to Uncle Sam and, well, that just wasn’t in your budget. Don’t panic. GNC can help! Use a GNC Personal Loan to pay your taxes and take up to 24 months to pay it off. Qualified members can get up to $2,500 with rates as low as 4.25% APR*. Even if you didn’t plan for a loan, we make it easy to apply. Simply stop in, call us or go online at www.gncfcu.com to apply before April 30, 2013 to receive this special rate and term. *Annual Percentage Rate. A sample payment of a loan for $2500 for 24 months at 4.25% APR would be approximately $108.85 Disability Insurance is available to members at an additional cost. All rates and promotions are subject to change without notice.

$10,000 in ScholarShipS!Have you done all the homework on how to pay for college? Here’s one assignment you don’t want to miss. Apply for a Shenango Valley Chapter of the Pennsylvania Credit Union Association scholarship

and you could win one of 20 $500 scholarships being awarded. Applicants must be ages 17 to 24 and a member of GNC Community FCU, and attend a university, college, or vocational trade school for the

academic year of 2013 - 2014. Call or stop in, and we will give you a scholarship application. Like most assignments, this one has a deadline. All applications must be received by April 1, 2013.

Rates as low as 2.49%

APR*

Webtastic Wednesday is March 20th!One Day Online Loan Sale With Rates as low as 1.99% APR*

It’s a great day to get financing from GNC Community FCU. With the lowest rates offered in our 77 year history, you have to get connected! We are offering car, truck and motorcycle loans, one day only with our online loan special! Applications for the one day special rate will be accepted from 12:00 AM until 11:59 PM on 03-20-13!*APR = Annual percentage rate. Rates are based on credit history. Your rate may be higher. All applicants must meet certain credit criteria for approval. Discount rates offered on Wednesday, March 20, 2013 from 12:00 am until 11:59 pm and only for online applications. Vehicles must be model years 2009 through 2013 for up to 60 months term. No other discounts apply. Sample monthly payment for $20,000 loan at a rate of 1.99% APR and a term of 60 months is approximately $350.45. This promotion does not include GNC loans. Credit Life & Disability Insurance is available at a minimal cost to the member. All loan rates determined by term of loan and personal credit history. All rates are subject to change without notice.

CEO’s From Social Security to Tax Refunds…Direct Deposit is the Answer

What’s the best way to receive your tax refund or Social Security benefits safely and quickly? Direct

Deposit into your GNC FCU account. It’s safe because the funds can’t be lost or stolen like a check. Direct Deposit is easy to apply for by paper or electronically.

Plus, you’ll get access to your funds quickly

with Direct Deposit. According to the IRS, funds deposited

directly into your account are available up to

three weeks earlier than receiving a tax refund check by mail. To register for Direct Deposit of your social security benefits or tax refund, provide the GNC FCU’s ABA/Routing and Transfer Number (243382831), plus your account number, when completing the form. Questions? Just call or stop in for assistance.

GNC Life Savings Insurance Cancellation NoticeGNC FCU is committed to offering our members the best service possible. In order to continue to meet this commitment, we are making some changes. Effective February 28, 2013, we are canceling our Life Savings Insurance group policy, the term life insurance which has been provided at no direct cost to you on eligible savings deposits made prior to September 1, 2000, up to a maximum of $5,000 per member. Coverage on existing insurable deposits will end on March 31, 2013, the last day of the conversion period. Please destroy any CUNA Mutual Life Savings Certificate of Insurance at that time.

You can convert your Life Savings coverage to a Primary Protection Plan, underwritten by CMFG Life Insurance Company. This new plan is a member pay, whole life plan up to $5,000. If you apply within the stated time period, there are no age restrictions, waiting periods, exclusions, or health questions. If you convert, your new policy will be effective April 1, 2013, and premiums will be based on whole life insurance rates for your age on that date.

Conversion is simple. Just request, complete, and return an application with your first premium payment to CMFG Life Insurance Company by March 31, 2013, in order to receive coverage. To request a quote or application for their Primary Protection Plan, call 1-877-636 -2377 to speak with one of CUNA Mutual’s fully licensed insurance representatives.

If you have questions about these changes, please call us at 724-652-5783. As always, we appreciate the opportunity to serve you.

Please join us at our Annual Meeting on March 9, 2013 at Tanners on Wilmington Road from 12:00-2:00 PM. We’ll be reviewing our accomplishments in 2012 as well as how we’ll grow in 2013! GNC Community Federal Credit Union had a remarkable year in 2012!. With the support of our valued members, we navigated through the challenges of the economic downturn and closed 2012 not only with a healthy profit, but also with growth in the key areas of total assets and total loans.

I am pleased to inform you that 2013 will be just as prosperous. Later this year, GNC will expand its reach into the community with the opening of an additional branch.

Besides capital improvements, we continue to look toward technological advancements to provide money management tools and round-the-clock access to GNC accounts. In 2012, we launched a secure, mobile banking application for use on smart phones. We remain committed to providing innovative, money management tools to provide our members with the information necessary for day-to-day and long-term financial achievement in today’s world.

As always, we are dedicated to first-rate member service, innovative products, and sound financial advice. We continuously strive to provide the best financial services to serve the ever-changing financial needs of you and your family. We appreciate your continued support and look forward to serving your financial needs in the coming year.

•Dianna Cecchini

SAVINGS RATES as of 2-25-13 Rate APY* Share Savings Account .15% .15%

Christmas Club Account .15% .15%

Share Certificates (CDs) Minimum Balance Rate APY*6 month $1000 .15% .15%12 month $1000 .50% .501%24 month $1000 .85% .853%*Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date indicated. Certificate rates remain fixed for the term of the certificate, unless otherwise paid. Dividends will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have questions or need current rate information on your accounts, call 724-652-5783 or 800-790-5250. Disclosures are available upon request. Federally insured by NCUA. All rates subject to change any time without notice.

LOAN RATES as of 2-25-13Type of Loan APR*as low as Term in MonthsPersonal/Signature up to $2,000 5.25% 24 Personal/Signature up to $5,000 7.25% 60 Share Secured Loan 3% Above Share Dividend variesHome Equity Loans 3.99% Up to 5 Years Home Equity Loans 4.09% Up to 12 YearsHome Equity Loans 4.19% Up to 15 Years

New & Used Car, Truck, Van and MotorcycleVehicle Loan ’13-’11 Models 2.49% 36-60 months Vehicle Loan ’13-’11 Models 2.79% 61-72 months*For vehicles over $25,000

Used Car, Truck, Van and MotorcycleUsed Vehicle Loan ’10-’07 Models 2.69% 60 monthsUsed Vehicle Loan ’10-’07 Models 2.99% 72 monthsUsed Vehicle Loan ’06-’04 Models 3.69% 36 monthsUsed Vehicle Loan ’06-’04 Models 4.69% 48 monthsUsed Vehicle Loan Model Over 10 yrs Old 6.69% 24 months*For vehicles over $25,000

Recreational Vehicles (RVs Motor Homes, Campers, ATVs)New: Up to 5 Years Old 5.50% 0-120 monthsUsed: 6-10 Years Old 7.50% 0-60 months Financing For Up to 100% of NADA Trade-In Value

Mobile Homes 12.00% variesPledge of 5% of Loan in Shares*Annual Percentage Rate. All loans subject to credit approval terms. All rates subject to change without notice. Loan rates are determined by personal credit history and term of loan. Contact GNCFCU staff for more information about applicable fees and terms.

Financial Tip$Tips

Our

ANNUAL MEETING will be on March 9, 2013 at

Tanners on Wilmington Road from 12:00 - 2:00 PM.

5 Easy Rules for Successful Money Management

1. Arrange a family system for budgeting and handling money and make sure everyone understands it.

2. Make a spending plan suited to your family’s income and spending needs.

3. Decide on your family’s most important goals and determine how to plan for them.

4. Plan ahead for the entire year. 5. Share the family budget and plan with everyone in

the family and meet regularly to discuss it.

FREE Mobile Banking is Now Available at GNC FCU!

GNC Federal Credit Union is now offering Mobile Banking for your Smart Phone! This is a secure and convenient way to access accounts from your mobile device. Available Smart Phones are iPhone, iPad, iPod and Android. Current registered GNC FCU Online Home Banking users are eligible!

With mobile banking, you will be able to: View your account balances and account history, transfer funds between accounts, make loan payments, send and receive secure messages, view graphs related to deposit and withdrawal activity, and find an ATM close to you! Once the application is downloaded on your Smart Phone you will enter your GNC FCU Home Banking Login ID and password to view your balances and perform transfers. Please contact the credit union with any questions!

Get a Copy of Your Credit Report FREE!Each of the three nationwide consumer reporting agencies will provide you with a copy of your credit report FREE every 12 months. To get a copy of your credit report, visit www.AnnualCreditReport.com or call them at 877-322-8228 to order by phone. Reviewing your credit report regularly is important in detecting any type of identity theft or fraud. Order yours and monitor it consistently!