1

COVER

2 33

Dear Members,

The President’s Corner

Welcome to the first edition of Making Change for 2017. I hope that you had a joyful holiday season and I wish you a very happy, healthy and prosperous New Year.

2016 was a memorable year at SJFCU, with lots of changes and growth. We will continue to evolve and grow in 2017 and we are gearing up for a very, very busy year! Just take a look at what we have going on in the First Quarter!

We’d like to help you start the new year off right by getting you into shape. In this issue, you will find ways stay fit, stay safe, save money and help pay down your debt. The best way to start the new year is to get on the right track with your finances. It’s not uncommon to overspend during the holidays…we all want to buy “just the right gift” for everyone on our list. The good news is that SJFCU has three ways to help you consolidate debt. First, you can transfer balances from your high-rate credit cards, to our low, fixed-rate Platinum Visa card. While other financial institutions typically charge a percentage of your outstanding balance to transfer to their credit card, SJFCU has FREE Balance Transfers. If you do not have an SJFCU Visa, apply for one today! Our second offer is a special Personal Loan. We have increased the amount you can borrow…up to $15,000 with a low, introductory rate of 4.99% apr for 12 months! SJFCU makes it easy by making the payments directly to your creditors. And last, but not least, homeowners can take advantage of our flexible Home Equity Line of Credit (HELOC) or our fixed-rate Home Equity loan.

Winter weather is here and your home and vehicles probably need a little TLC. Read our helpful tips on how to make sure your car and home are ready for the cold weather. If your car needs a bit more than just TLC, we’ve got very competitive rates on auto loans. Whether you want to buy a new car, used car, or refinance a car loan that you have with another financial institution, we can help.

On those days when you can’t get out of the house and “cabin fever” starts to set in, we’ve got some fun projects to keep the kids busy. And just because you can’t get out, doesn’t mean you can’t work out! We’ve got easy workouts you can do at home (which you’ll need after trying the recipe for “27 Layer Dip” on page 23). Another benefit of working out at home….it will save you money on gym membership fees!

We love to be out and about in our communities, whether it be volunteering our time to wonderful organizations such as Cathedral Kitchen, or having some fun at the Boro in Lights. Be sure to check out the “Community News” section to see all the great things SJFCU has been involved in during the last few months. Our employee sponsored charity for this Quarter is the Susan G. Komen Foundation. I am proud to report that our employees alone raised over $8,000 for charities in 2016. The monies benefitted such worthy causes as Ovarian Cancer, Cystic Fibrosis, Prader Willi Syndrome and Autism.

I know that you will enjoy reading this issue of Making Change. We at SJFCU look forward to another great year of providing our members with a wide variety of great products and services and superior customer service.

“Servicing one member at a time…. welcoming one new member at a time, all the time”.

Yours Truly,

Rahul KachruPresident and CEO

In this issue of

ISSUE 2017.Q1This is a publication of South Jersey Federal Credit Union For questions or concerns, please email marketing@southjerseyfcu.com.

To submit your story idea, recipe or publish a community event on our calendar, please email us at marketing@southjerseyfcu.com

The President’s Corner . . . . . . . . . . . . . . . . . . . . . . . . . 3

Important Info Regarding Tax Season . . . . . . . . . . . . . 4

Tax Tips . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

Home Winter Weather Tips . . . . . . . . . . . . . . . . . . . 6-7

Community News . . . . . . . . . . . . . . . . . . . . . . . . . . 8-15

Winterize Your Car . . . . . . . . . . . . . . . . . . . . . . . . . 16-17

Fun Indoor Activities for the Winter . . . . . . . . . . 18-19

Ways to Stay Healthy This Winter . . . . . . . . . . . . . . .20

Market Outlook & Playhouse Winners . . . . . . . . . . .21

Holiday Overspending . . . . . . . . . . . . . . . . . . . . . . . . .22

Featured Recipe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23

Board of Directors

John BettisChairperson

Anthony DiFabioVice Chairperson

Kenneth LuehmannSecretary

Michael McKiernanTreasurer

Bienvenido Calaf, Jr.Director

Benjamin T. GriffithDirector

Terrence MurphyDirector

James C. Puderbach, Jr.Director

Loretta WintersDirector

Executive ManagementRahul KachruPresident/CEO

Ernest HuggardSenior Vice President/CFO

James HartmannVice President Lending

David McDevittVice President IT

Kenneth BarnshawVice President - Governmental Affairs & Community Relations

Kathleen HeidVice President Human Resources

4 55

Sunday, January 1st New Year’s Day

Monday, January 2ndNew Year’s Day ObservedAll Branches Closed

Monday, January 16th Martin Luther King DayAll branches closed

Monday, February 20th Presidents’ DayAll Branches Closed

Sunday, March 12th Daylight Saving Time

Monday, March 20th First Day of Spring

Calendar

1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23

29 30 31

24 25 26 27 28

January

4

5 6 7 8 9 11 11

1 2 3

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28

February

4

5 6 7 8 9 10 11

21 3

12 13 14 15 16 17 18

19 20 21 22 23 24 25

29 30 3126 27 28

March

The Internal Revenue Service announced that the nation’s tax season will begin as scheduled on Tuesday, Jan. 19, 2017. Hooray!

Now, here are some important reminders when it comes to your tax refund:

Important Info Regarding Tax Season

• The Direct Deposit request on your tax form must be listed in your name, or the joint owners’ names; if not, it will be returned to the IRS.

• The IRS Refund should be posted to our SJFCU Routing Number – 236077755.

• If the account number you list on your IRS return differs from the account number we have on file for you, it will be rejected, and returned to the IRS, causing a delay.

Filling out your tax refund forms accurately for a direct deposit, can help you get your refund earlier – in some cases, up to three weeks earlier than if you received a refund check by mail!

Save up to $15 on TurboTax, the smarter way to get your taxes done rightFile your taxes the smarter way and save! South Jersey Federal Credit Union members can get up to $15 off TurboTax federal products.

TurboTax® translates taxes into simple questions about your life, so you don’t need tax knowledge – or an appointment – to get your taxes done right. TurboTax SmartLook™. Get started today and save!

• Get your maximum refund. TurboTax searches over 350 deductions and credits to make sure you get your biggest possible refund, guaranteed.• Be sure nothing gets missed. TurboTax CompleteCheck™ reviews every detail in your return, walks you through any final changes, and gives you the green light to file. • You’re never alone. Connect with an expert live, on-screen to get answers when you need them with More Savings with Love My Credit Union Rewards!State filing charges apply. Limited time offer for TurboTax 2016. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties’ trademarks or service marks are the property of their respective owners. Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information.

1. Organize Paperwork- Keep all documentation that comes in the mail towards the end of 2016 and beginning of 2017, e.g. W2s, 1099s, mortgage interest statements – any tax-related

documents. Start to collect receipts and any other documents you have specifically kept for tax time. Be sure to file all the proper paperwork to ensure tax season goes

smoothly.

2. Tax Forms- If you’re looking for a particular form, you can view and download a large catalog of forms and publications on the IRS Web site. You can also choose to have them sent to you by mail.

3. To Itemize or Not- It is common for people to accept the standard tax deduction as oppose to

itemizing deductions. See “IRS Publication 529: Miscellaneous Deductions” to learn more about

what can be considered an itemized deduction.

4. File Electronically- The IRS processes electronic returns faster than paper ones, so the refund can become available three to six weeks earlier. If you expect a refund, file electronically.

Stressed Out about Taxes? Here Are Some Helpful Tips that will make you feel like a Tax Pro!

Is Your Home Ready for the Winter?

Protect Your PipesDepending on the region of the United

States you’re in, you’ll need to protect your pipes from bursting this winter.

Check out these great home winter weather tips!

Time to WeatherstripWeatherstripping your doors and windows

will prevent cold air from entering your home or heat from escaping it, which will

reduce your energy bills.

Check your FireplaceAnimal nests or creosote buildup in your fireplace can be hazardous. Have an

annual inspection before building your first fire of the season.

Block the ColdCaulk around windows, install door sweeps and use foam outlet protectors to prevent cold air from entering your

home. However, the majority of heat loss typically occurs via

openings in the attic. Check to make sure that you have

enough insulation.

Keep extra water and canned food in storage, in case winter storms hit and you

can’t get out to the store for a few days.Take Advantage of Our HELOC & Home Equity Loansand prepare your house for the Winter ahead!

Visit our Mortgage Center on our website to fill out an application

6 7

Unity Day

8 9

Donation to Support Autism Speaks South Jersey Federal Credit Union employees presented a check in

the amount of $2000 to representatives from Autism Speaks on behalf of the SJFCU employees’ “Charitable Journey” program.

Employees raised $1,000, which was generously matched by the Credit Union, bringing the total donation to $2,000.

COMMUNITYNEWSCOMMUNITYNEWSCOMMUNITYNEWSCOMMU-

Community News

Cathedral Kitchen

Pictured are, from left: Laura Casolaro from Autism Speaks; Erik Young, Call Center Manager; Camille Gadsden, Director

of Accounting; Ken Barnshaw, VP of Governmental and Community Affairs; Claire Davis, Director of Loan Operations

Cindy Ford, Quality Control Rep.

Donation to Cooper

DEPTFORD, NJ (DECEMBER 20, 2016) – South Jersey Federal Credit Union (SJFCU) raised a total of $1,500 that was donated to the Cooper Foundation for breast and gynecologic cancer survivors. During the month of October, members were asked to donate to the Cooper foundation. Members who donated were given a ribbon to display in the branches in honor of a loved one.

8 9

10 11

COMMUNITYNEWSCOMMUNITYNEWSCOMMUNITYNEWSCOMMU-

Community NewsReality Fair

Shred Event2016 Veterans Career Fair- hosted by Camden County Board of Freeholders and the Chamber of Commerce Southern New Jersey at the Crowne Plaza in Cherry Hill.

SJFCU Reality Fair at Urban Promise High School located in Camden, NJ. Giving High School students a realistic view of their financial future.

Boro in Lights - Glassboro

Veteran’s Job Fair

10 11

12 13

COMMUNITYNEWSCOMMUNITYNEWSCOMMUNITYNEWSCOMMU-

Community News

Hispanic Leadership

Summit

NAACP Freedom Fighters Award Ceremony Pink Roses & Teal MagnoliasBrunch Fundraiser to support Breast and Ovarian Cancer

Celebrating the 45th Anniversary of Triumph Baptist Church and 65 years of leadership for Pastor James S. Hall

Celebrating 45th Anniversary of Triumph Baptist Church

Rowan Business and Corporate Center

South Jersey Federal Credit Union contributed a $25,000 endowment to Rowan College at Gloucester County (RCGC). The endowment will be used to fund two scholarships annually over the next 10 years.

12 13

14 15

COMMUNITYNEWSCOMMUNITYNEWSCOMMUNITYNEWSCOMMU-

Community News

GLASSBORO, NJ (DECEMBER 20, 2016) – South Jersey Federal Credit Union (SJFCU) sponsored a free gas giveaway at the Gulf Station on South Delsea Drive in Glassboro.The first 100 people received a free tank of gas, compliments of SJFCU.

Customer #1!

Customer #100!

During our free gas giveaway last week, customers waiting in line were given an entry form for a chance to win a $500 Visa Gift Card! Here is the lucky winner, Rahshann Green along with Tammy Fertel, SJFCU Glassboro Branch Manager and Jim Hartmann, SJFCU VP of Lending

Gift Card

Winner!

A Day of Caring at Bancroft

Our BusinessDevelopment team volunteering at “A Day of Caring” with Bancroft, a SJFCU Select Employer Group.

SJFCU Sponsors Free Gas Giveaway

14 15

Winterize Your Car!

Winter months can present many challenges for your vehicle. While modern vehicles are designed to handle inclement weather conditions, there are some basic steps every driver should take as the days get shorter and the temperature drops.

Inspect or Replace Your TiresLow air pressure and worn tires are especially dangerous on wet or slick roads, as both can reduce traction. Check your owner’s manual for the recommended PSI. If you’ve never checked tire pressure yourself, stop by an auto parts store and pick up a tire gauge.

Snow Tires - Mounting the right tires on your car or truck can give you a huge advantage when trekking through snow. Many car makers and tire manufacturers recommend changing all four tires to snow tires in the winter. If you don’t swap all four, the difference between snow and summer tires can cause other problems for your vehicle. If you live off the beaten path, you can even buy snow tires with studs to help you get where you’re going all winter long. When spring comes, though, you’ll be glad to get out of the heavy winter tires because your fuel efficiency and handling will improve with a less aggressive tire.Another option is all-season tires that you drive year-round―winter and summer. The advantage of all-season tires is that you don’t change the tires before winter or need to keep two sets of rims. Of course, the disadvantage is that you don’t get all the great features of a specialized seasonal tire.

Replace or Refill All FluidsWhether you take your car in for regular maintenance or you’re a do-it-yourself home

mechanic, the best way to winterize your car is to start by checking your fluid levels.Coolant—It is especially important to have the correct antifreeze/water mixture to prevent fluid from freezing in your radiator. Consult your vehicle’s owner’s manual for information

on this mixture. Pick up a tester at an auto parts store and make sure the fluid is filled to the maximum line.Oil—Some mechanics recommend switching to a thinner oil if you live where temperatures drop below freezing. Your best bet is to consult your owner’s manual or talk to your mechanic.Wiper fluid—Often overlooked, you’ll need freeze-resistant wiper fluid to keep your windshield clean and your vision clear.

Cold Weather & Battery CapacityIt isn’t only your engine that doesn’t like to start in the winter. Your battery capacity is reduced by the cold weather, too. A thorough inspection of your battery, cables, terminals, and fluid will help you make sure your car is ready for the winter. Check over the battery cables for cracks and breaks. The terminals should fit snugly with no loose connections. You can check your battery fluid by uncovering the refill hole (or sometimes holes). If the level is below the bottom of the cap, refill with distilled water. To read the level of charge in your battery, you will need to turn the engine off. Some batteries have a built-in hydrometer eye that tells you the amount of voltage remaining in the battery. If you prefer, a hand-held hydrometer can be used to collect the same information. While you’re inspecting your battery, look around for the manufacture date. Knowing how old your battery is can clue you in to when it will begin to lose charge. Shopping for a new battery? Never buy one with a six-month-old manufacture date.

Or, Maybe It’s time for a new car?After all these helpful tips and you still find yourself struggling through the winter with a car that has more bad days than good, maybe it’s time to think about a new ride! Get the car you’ve always wanted with financing that’s right for you, with our LOW RATE Auto Loans! You’ll Always get fast approval and easy payments with direct deposit.

Whether you are looking to Refinance Your Existing Auto Loan, or need New Auto Loan to purchase a new or used car, SJFCU can Save You Money! With auto loan refinance you could pay off your existing car loan and replace it with a more affordable auto loan. Our auto refinancing options will reduce your current payment and could even give you cash back!

Can’t find what you’re looking for out there? Visit “Autos for Sale” on our website to find some great deals on used cars for sale! https://www.southjerseyfcu.com/services/access-services/autos-for-sale.html

16 17

Have kids make their own cards

Fun Indoor Activities for the WinterEncouraging creativity helps kids develop mentally, socially, and emotionally, says Lisa Ecklund-Flores, co-founder and executive director of Church Street School for Music and Art, in New York City.

Paint still art or just simply paint to express themselves

Learn origami and put it to use.

Make a Collage- Gather up old magazines. Choose a theme, e.g. things they like, a particular color. Have kids cut and paste pictures according to the theme.

Work on a 1000 piece puzzle together. For keepsake- paint the puzzle with Mod-Podge (http://www.wikihow.com/Mod-Podge-a-Puzzle) or frame it!

18 19

20 17

INDO

OR WINTER

F ITNESS TIPS

No gym, No problem, No excuses Stay Active During the Winter! Check out these work out tips from active.com that don’t require a gym membership!

Stairs- Run or walk up and down the stairs for a nice cardio session and leg workout. If you need a change of scenery, head

to the nearest mall and do some walking. (Maybe leave the cash at home to avoid shopping!).

Weights, resistance bands, skipping rope, and stability balls are typically inexpensive. Maybe get the whole family involved in a jump rope contest!

Active TV- Jog or skip in place while you watch TV. Make it even more interesting and do squats or push-ups during the commercial breaks.

Congratulations to our THREE HELOC Prize Winners!

George Widing Member for 40 years

MARKET OUTLOOK 2017:What a difference a year makes. At this time last year, the market had finally recovered from an August swoon that left the S&P 500 more than 10% off its all-time highs, the first 10% correction in more than four years, with the worst still ahead in January and February 2016. Concerns over market risk were dominating the conversation: China (the primary driver of the August 2015 swoon), oil, the soaring U.S. dollar, tightening financial conditions, declining earnings, and the prospective first interest rate hike since before the Great Recession

As we look back at 2016, by and large, the market has reached the milestones we had forecast for the year, some a little more slowly than expected, but with some unexpected developments, such as the outcome of the U.S. presidential election and the vote for the U.K. to leave the European Union.

Other milestones required the election outcome as a catalyst, such as a shift in rate expectations and a transition to fiscal stimulus from monetary. The election itself was a milestone, as it is every time the White House occupant changes.

Here is an overview of what to watch and what it might mean for stock and bond market performance as we enter the New Year:The economic recovery that began in mid-2009 may pass its eighth birthday in 2017, as the odds of a recession — based on leading economic data — remain low. However, the risk of a recession due to a policy mistake (e.g., monetary, fiscal, trade, immigration) has increased heading into 2017. President elect Donald Trump and Congress will likely enact pro-growth policies in the first half of 2017, including corporate and personal tax cuts, increased spending on infrastructure and defense, and deregulation. These policies may boost economic growth (and change the drivers of growth) in 2017 and 2018.

Although gains in the labor market will likely continue to moderate in 2017, job growth remains robust enough to ensure two Federal Reserve (Fed) rate hikes. Inflation, which has been dormant due to falling commodity prices in recent years, may make a comeback in 2017, as above-potential gross domestic product (GDP) growth and a tightening labor market push up wages inflation.

If you have questions about how your investment future looks for 2017, please contact David Graham at South Jersey Financial Network at 856.232.9000 ext. 2807 to make a no obligation appointment to review your financial planning for 2017 and beyond. Securities are offered through LPL Financial, Member FINRA/SIPC.

Don DiMattia Member for 26 years Andrea Rinehart

Member for 7 years

CAMERA SHY

20 21

1. Refriedbeans,canned2. SpicySausage,cooked3. Picodegallo4. Cilantrorice5. Pepperjackcheese,grated

6. CoolRanchDorritos7. Romainelettuce,shredded8. Redonions,diced9. BeanChili,canned10. ChiliCheeseFritos11. MacaroniSalad12. RoastedCorn13. Guacamole14. Cheddarcheese,grated

15. Chinesefriedrice

16. PickledJalapeños17. PulledPork18. Maplebacon,chopped19. SalsaVerde20. BlackBeans21. HabaneroSalsa22. SourCream23. GoatCheese24. IcebergLettuce25. BlackOlives,sliced26. RoastedRedPeppers

27. FreshCilantro

IngredIentsStartingatthebottom,addonecupatatimeofeach

ingredientintoatrifledishoranylargeglassbowlwith

straightside.

dIrectIons

Calling all Chefs!We are accepting recipes for main course, side dish, appetizers, and desserts. If you have a delicious recipe to share, please send it to marketing@southjerseyfcu.com. Please include a photo of yourself or your completed dish if possible.

27 Layer Dip

Darrell Knowles, husband of graphic designer,

Melanie Knowles shared his recipe for this

“27 Layer Dip”, always a huge hit with his

football buddies!

Did You Find Yourself Overspending this Holiday Season?How People Over Spend During Holidays and Some Tips on How Not to!• Self-gifting… Did you know nearly 60% of people are now self-gifting, according to the National Retail Federation? Try the 30-day rule; if you still want an item after 30 days, consider the purchase more seriously. However, if after 30 days you realize you no longer care, nix the idea – this can help eliminate impulse buying.• Traveling… Do some research and shop around for the lowest prices on airlines, hotels, cabs, etc. Also, if you and your family are planning a road trip, pack food instead of eating at rest stops. • Less is more?... A high price tag gift doesn’t automatically make it a better gift; thoughtful giving can prove to be more generous. Truly think about the person you’re buying a gift for and what they would enjoy. For example, maybe a mixtape or homemade card that cost less than $5 is more meaningful than a $20 CD and store-bought card. • If you find yourself to be one of those people who overspent during the holidays, don’t worry – you’re not the only one. That’s why SJFCU is offering some options to help you consolidate your debt.

HELOC!

• Free Visa Balance Transfers!

• Personal Loan - Up to $15,000 at 4.99%*APR for the first 12 months!

• Low Rate HELOC or Home Equity Loan!

THREE Ways to Consolidate!...

Great for Football Sunday or March Madness!

* Must close by 3/31/17. Introductory rate applies to new balances only (SJFCU refinances not permitted). Minimum FICO of 720 is required with minimum five years established credit. Total unsecured borrowing (SJFCU Loans and Visa credit limits) not to exceed $15k. Must meet all credit requirements to qualify for this offer. Other rates and terms available to qualified borrowers. Rates and Terms subject to change at the discretion of the credit union.22 23