A Quarterly Publication For Members Of Healthcare Employees Federal Credit Union

Fall 2016

October 1 – October 31, 2016Call 609-951-0700 or visit www.hefcu.com to get pre-approvedtoday!

Call 866-227-7253 for the nearest Enterprise Car Sales location or preview our great selection of quality used vehicles at

cuautodeals.com

DEFER PAYMENTS FOR 90 DAYS.1AND, ENTERPRISE WILL OFFER YOU THE KELLEY BLUE BOOK®

TRADE-IN VALUE ON YOUR VEHICLE AND ADD $1000.2

When you finance an Enterprise vehicle with Healthcare Employees Federal Credit Union.

1: Finance charge begins from date of purchase and is repaid over the term. 100% Financing available including Tax, Title and License. Financing for qualified Healthcare Employees Federal Credit Unionmembers.Not all buyers will qualify. Offer valid only on Enterprise Car Sales vehicles purchased from 10/1/16 – 10/31/16. 2: Kelley Blue Book Trade-InValues used by Enterprise are obtained from©2016 Kelley Blue BookCo.'s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining itsKelley Blue Book Trade-In Value. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be capped by Enterprise Car Sales at 20% of the vehicle’s base value. If aKelley Blue Book Trade-In Value is not available for customer's vehicle, Enterprise will provide a fair and competitive value for customer's vehicle. Additional trade-in value of $1000 is available only on passengervehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer mustprovide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see anEnterprise Car Sales Manager. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA andWashington D.C. Offer valid October 1 – October 31, 2016. No cash advances. This offercannot be combined with any other offer except those listed on this advertisement.Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other.Photo for illustration purposes only. The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respectiveowners.© 2016 Enterprise Car Sales.

Holiday ClosingsFriday, October 21, 2016 – Opening late at 10:30 am

Thanksgiving – Thursday, November 24, 2016 and Friday, November 25, 2016Friday, December 16, 2016 – Closing early at 12:00 noon

Christmas – Friday, December 23, closing early at 12 noon; Monday, December 26

New Year’s – Friday, December 30, closing early at 12 noon; Monday January 2, 2017

In This Issuen President’s Messagen Free Mobile Appn Holiday Club Maturity Noticen Just In Time For Your Holiday Shopping!n Overdraft Privilegesn Sprint Credit Union Member Discountn And More

Annual Meeting NoticeThe Healthcare Employees

Federal Credit Union Annual Meeting will be held on Thursday, December 22, 2016

at approximately 2:00 pm at our main office in Princeton.

We hope To See You There!

President’s MessageDear Member:I sincerely hope you and your family had a safe and enjoyable summer.Our members are truly taking advantage of all that HEFCU has to offer!In the three months since we’ve launched our Mobile Check Deposit feature, more than 120 deposits have been made totaling more than $36,000.More than 500 members have already downloaded our Free Mobile App and are enjoying the convenience of secure account access at their fingertips.We have almost 3,400 members using our free checking account program and enjoying no-surcharge access to over 2,000 ATMs in New Jersey. If your current checking account provider is not paying you interest and/or charging you monthly fees, call us to find out how we can put more money back in your pocket.In the coming months, HEFCU will be making available a secure portal for members to have alerts set for VISA Debit Card transactions and monitoring services.Thousands of members are taking advantage of our toll-free 24-hour bank-by-phone service. I encourage you to use this convenient and free service for balance inquiries, making withdrawals, transferring funds or checking the most recent transactions. Call 800-551-3001 to use this service or ask our staff how to access the system.HEFCU also offers 66 Shared Branch locations in New Jersey. As a HEFCU member, you can visit any of these branches to make deposits or withdrawals. Find your closest location online at www.HEFCU.com.With all the talk about rising rates, now is the best time to lock in a low interest rate loan from HEFCU; we offer personal loans, new/used auto loans, home equity loans, credit cards and first mortgages.Remember, HEFCU is here as a Financial Solution for Life. We encourage your active participation in saving for your future as well as thinking of HEFCU if and when you need to borrow.As we approach the holiday season, on behalf of the Board of Directors, Staff and Management we wish all the best for you and your family. Respectfully,

John J. Dawidowski Chief Executive Officer

HEFCU ScorecardHere’s how we’ve done in the past few months:

Category: ...................................31-Jul-16 ..................30-Apr-16 Deposits .................................$97,873,366 ...............$94,809,126 Loans ......................................$64,674,948 ...............$65,709,123 E-Statement Users ........................... 9,071 ..........................8,962 Capital .......................................$8,654,047 .................$8,355,630

Holiday Club Maturity NoticeHoliday Club Accounts mature on October 1, 2016. The account balance will be transferred into your Primary Savings Account and will be available that day.Withdrawals can be made by ATM,

our 24-hour bank-by-phone service or visiting one of our convenient Shared Branch locations. Holiday Club Accounts automatically renew for next year with your next payroll deduction after October 1, 2016.New enrollments are always welcome any time! If you didn’t open a Holiday Club Account last year, now’s the time to open one for next year. Making regular deposits throughout the year into this account is a great way to save money for your holiday shopping next year. Call or stop by the credit union to open yours today!

Happy Holidays!The Staff and Board of Directors at HEFCU would like to wish you and your family a happy, safe and joyous holiday season.No matter what your holiday plans are, HEFCU is here for you. With toll-free 24-hour bank-by-phone, Online Banking and mobile services, your accounts are only a call or click away seven days a week, 24 hours a day!We hope you have a happy and healthy new year! We look forward to another great year.

Just In Time For Your Holiday Shopping!Use your HEFCU Platinum Visa credit card for your holiday shopping this year and give yourself the best gift of all!n Low rate of 8.99% APR*n No annual feen ScoreCard® Bonus Reward Pointsn No minimum finance chargen 25-day grace period

If you don’t have one, apply today!*APR= Annual Percentage Rate. Your loan rate and/or eligibility will be determined at the time you apply and is based on your own personal credit history. Rate subject to change without notice.

Instant Access To Your Finances, Just A Tap Away!

Download our free mobile app today to get instant access to your finances with the tap and go convenience of your smart phone or tablet.

Using our mobile app you can:l Deposit checks, with a simple & quick processl View your account balances at a glancel View transactions for each accountl Securely transfer fundsl Pay and keep track of billsl Find the nearest branch or ATM location

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Stay Protected and Opt-In Today for Overdraft Privileges

When you open a HEFCU checking account you are eligible to authorize HEFCU to pay overdrafts on your everyday debit card and ATM transactions.Need extra cash for holiday shopping or unexpected educational expenses? You may be eligible to add a new option to your overdraft protection plan. This convenient and low-cost option ensures you have access to funds when you need them most. Simply complete and return the form below to authorize HEFCU to pay overdrafts on your everyday debit card and ATM transactions.We will charge you a fee of $30 each time we pay a debit card transaction overdraft. There is no limit on the total fees we can charge you for over- drawing your account. We will not charge you an overdraft fee if your checking account is overdrawn $5 or less at the end of each business day.We do authorize and pay overdrafts for the following types of transactions: Share drafts/checks and other transactions made using your checking account Automatic bill payments Recurring debit card transactions ACH transactionsIf you want us to authorize and pay overdrafts on everyday debit card and ATM transactions using Courtesy Pay, complete the Opt-In Form below and mail it to our office at 29 Emmons Drive, Suite C 40, Princeton, NJ 08540 or fax to 609-275-4194.We will not authorize overdrafts for everyday debit card transactions if we do not receive a response.If you have any questions, please contact a Member Service Representative by calling 1-800-624-3312.

COURTESY PAY OPT-IN REQUEST FORM (this form is also available on our website)

Please note that you, or any joint account owner, may add or remove your Opt-In decision at any time. ADD COVERAGE I want HEFCU to authorize and pay overdrafts on my everyday debit card transactions using Courtesy Pay. REMOVE COVERAGE I do not want HEFCU to authorize and pay overdrafts on my everyday debit card transactions using Courtesy Pay.

Printed Name Account Number

Signature Date

TO BE COMPLETED BY THE CREDIT UNION

Coverage Added Coverage Removed Signature Effective Date

Call or stop by the credit union if you want to learn more about our products and services.

HEFCU Change Of Address FormName New Phone #

Account Number S.S. #

Old Address

New Address

E-mail Address

Signature Date

LOCATIONSMain Office:

29 Emmons Drive, Suite C 40 Princeton, NJ 08540

Princeton Location Hours: Mon – Fri: 8:30 am - 4:30 pm

(lobby closes at 4:25 pm)Rancocas Office:

1113 Hospital Drive, Suite 201 Willingboro, NJ 08046

Rancocas Location Hours: Mon, Tues, Thurs and Fri:

8:30 am - 3:30 pm Closed on Wednesday

Mailing Address for Remittance: (deposits/loan payments)

HEFCU P.O. Box 826336

Philadelphia, PA 19182-6336Toll-free: (800) 624-3312 Phone: (609) 951-0700

Fax: (609) 275-4194 24-Hour Bank-by-Phone: (800) 551-3001

www.hefcu.com

ATM LOCATIONSCapital Health Systems

Fuld Division Hopewell

Cathedral Health System St. Michael’s Medical Center

Princeton Healthcare System University Medical Center of Princeton at Plainsboro

Raritan Bay Medical Center Old Bridge Division

Perth Amboy DivisionRobert Wood Johnson

University Hospital Hamilton

New BrunswickBarnabas

Healthcare System Clara Maass Medical Center

Newark Beth Israel Medical Center

©2016 Membership Marketing Support Services

Change Of AddressIf you have changed your address and not informed the credit union, please complete this form and fax it to (609) 275-4194 or mail it to:

HEFCU, 29 Emmons Drive, Suite C 40, Princeton, NJ 08540. A copy of the Primary Member's Driver's License must accompany this form.

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HEFCU Members SAVE BIG With The Sprint Credit Union Member Discount

Tired of paying too much for your wireless bill? We don’t blame you. So we’re helping you save with the Sprint Credit Union Member Discount from Love My Credit Union Rewards. As a HEFCU member, you can save each month on your wireless data service.

Our members can get:•10% discount on select regularly priced Sprint monthly data service•Valid in conjunction with other credit union and Sprint National handset and other promotions

Ways to get your discount:•Call 877.SAVE.4CU (877.728.3428) or•Visit your nearest Sprint store

Let them know you’re a credit union member and mention Corporate ID: NACUC_ZZM.

Current and new Sprint customers need to verify credit union membership to take advantage of these exclusive discounts. Download the Love My Credit Union Rewards app in the Apple App Store or Google Play or www.Sprint.com/verify to verify your membership.

Stop paying too much for your wireless data service. Start saving with the Sprint Credit Union Member Discount today.

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