Connect With NEFCU

New car models are hitting the lots and the Labor Day sales are approaching.

If you’re in the market for a new vehicle, now may be a good time to shop. But before you go, you may want to start your shopping with a closer look at your financing options. The financing offered at dealers can be hit-and-miss, especially if you don’t have a top-notch credit rating. In addition to higher rates, many dealers add fees that drive up the price of the transaction.

automatic payments with BillPay™ or create payment alerts so you know you’ll never miss a payment. Ready to shop? Start the process today! And don’t miss the wealth of free auto research tools at nefcu.com/carbuying. Apply online or call us at 866.80.LOANS.

Find us online, at the branch and area dealerships!

The New 2017 Model Cars Are HereSmart shopping starts with affordable financing from NEFCU

SHRED FEST™ Save the date!

At NEFCU, great loans are what we do. When you finance your car with us you’ll get low rates and zero fees. You can apply online. And don’t forget about our Auto Check. With an Auto Check in hand, you can focus your efforts on finding the right vehicle, with the right features at the right price. This lets you focus on negotiating the best deal on your car knowing that it will fit into your financial plan.

And once you have a NEFCU auto loan, you can manage everything using NEFCUOnline or Mobile Banking. Go ahead and set up

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Newsletter for Members · September 2016

NEFCU will hold the last FREE Shred Fest of the year on Saturday, September 10, from 9 am to 1 pm at our 141 Harvest Lane office in Williston. The Shred Fest allows you to securely destroy documents containing sensitive information through the services of SecurShred, a local document shredding company.

The Credit Union will be closed on Monday, September 5, in observance of Labor Day. You can access your accounts 24/7 with Mobile Banking, NEFCUOnline, Text Messaging, ATMs or by calling Accountline.

HOLIDAY CLOSING

NEFCU Seminars

Nobody likes to wait, especially in today’s fast-paced world. So when it comes to making your money work for you, we make it happen whenever and wherever you are.

MANAGING YOUR ACCOUNTS

Every day, more of our members are banking with NEFCUOnline. There are two big reasons people love it. First, it’s convenient. You can handle routine transactions anytime you want. Check your balances, transfer funds, schedule payments and much more – 24/7. The second benefit is the feeling of security you get from knowing where your accounts stand. For example, many members set up electronic alerts that automatically notify them when a balance is getting low or a payment is due. In other words, with NEFCUOnline, it’s easy to stay on top of your finances. NEFCU offers many other ways to manage your money easily:

• Mobile Banking – access your accounts from your mobile device using NEFCU’s secure mobile app. Check balances, pay bills, transfer funds, or find the nearest ATM – you can even deposit checks remotely!

• Quick Balance & Smart Watch Banking – view account balances and recent transactions without logging into your mobile app. Once enabled, just swipe down on the login screen to see your current and available balances, plus your last five transactions. If you’ve got an Apple Watch or Android Wear, just flick your wrist!

• Visa� Online – you can manage your NEFCU Visa card online. View transactions, schedule payments and more.

• Text-Message Banking – check your account balances and recent transactions and even transfer funds with a simple text message.

PAYING OTHER PEOPLE

Remember when paying the babysitter meant writing a check or stopping by the ATM for cash? Now you can make those payments online. You can transfer money to other NEFCU members through NEFCUOnline. If the recipient doesn’t have a NEFCU account, no worries! Popmoney� lets you make the transfer to an account at any U.S. financial institution.

MOBILE PAYMENTS

Paying in stores has never been easier! With Apple Pay™, Samsung Pay™, and Android Pay™ you can link your device with your NEFCU debit or Visa card and check out by simply holding your phone over a contactless reader. Your card never leaves your wallet!

To learn about these and other helpful account features, visit nefcu.com or chat with us next time you are at a branch.

Got Plans for Your Business? NEFCU’s Ready to HelpWhy do so many local businesses turn to NEFCU when it’s time to grow? Simple: we’re fast, flexible and affordable. As a community-based lender, NEFCU is deeply committed to supporting local businesses. Whether you’re financing new equipment, funding commercial real estate, or seeking capital to fuel your operations, our business lending team brings smart solutions designed around your company’s goals. We can even help you manage cash flow with a Business MasterCard� that comes with powerful online tools to help you track expenses. Talk to the NEFCU Business Lending Team at 866.80.LOANS.

Fast and Easy Ways to Access Your Money

VT DISTINGUISHED WRITERS’ SERIESDavid A. Donath

5:30 pm to 6:30 pm

Sept

07

MULTIPLE FACES OF FRAUDSept

08INTERNET SAFETY

PROTECT YOURSELF ONLINESept

20

THINKING ABOUT BUYING A HOME? Part One

Sept

22

THINKING ABOUT BUYING A HOME? Part Two

Sept

29

These seminars will be held at NEFCU, 141 Harvest Lane, Williston unless otherwise stated. Seating is limited and reservations are required. All seminars are from 5:30-7 pm unless otherwise stated. Register at nefcu.com or call 800.400.8790.

HOME ENERGY AUDITS SHOULD YOU GET ONE?

Oct

05

ESTATE PLANNINGOct

06SCORE ROUNDTABLE

IS A SMALL BUSINESS RIGHT FOR ME?Oct

12OUTSMARTING INVESTMENT FRAUD

TRICKS OF THE TRADEOct

18

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Federally insured by NCUA

VT DISTINGUISHED WRITERS’ SERIESSabra Fields

5:30 pm to 6:30 pm

Oct

04

I N S U R E . I N V E S T. R E T I R E .

Available through CUSO Financial Services, L.P. (Member FINRA/SIPC)

Let us help you with your life insurance questions

Let us help. Speak with a CFS* Financial Consultant today.

Jonathan WhitehouseFinancial ConsultantCUSO Financial Services, L.P.

whitehouse.cfsinvest@nefcu.com802-764-2626 • 800-400-8790

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. New England Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its Registered Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional.

1451_CSIJ76075096-00T

All Seminars are held at

NEFCU, 141 Harvest Lane, Williston, VT.

Scott M. HinmanFinancial ConsultantCUSO Financial Services, L.P.

hinman.cfsinvest@nefcu.com802-879-8792 • 800-400-8790

Reservations

SEMINARFinancial Planning in the shadow of Dementia

Wednesday, September 28 * 5:30-7 PMNEFCU, 141 Harvest Lane, Williston

Call 802-879-8790 or 800-400-8790 to reserve your seat today or reserve online at nefcu.com. Seating is limited.

Thursday, April 28 * 5:30-7 PM NEFCU, 295 Tuckers Way, St. Albans

Maximize your Legacy using Life Insurance Wednesday, October 26 * 5:30-7 PM

NEFCU, 141 Harvest Lane, Williston