4

Electronic ServicesSperry Corner Piece / 4th Quarter 2012

Fourth Quarter 2012

Celebrating 75 Years of Better Banking!

THE

PIECEC

orNEr

Our FrEE MObilE App = Anytime, Anywhere Access to your Sperry AccountsNow you can manage your finances on the go with the Sperry Mobile Banking Application. It’s free and can be used to check balances, pay bills, make transfers and more, just by using your cell phone! Simply follow these easy steps to get our free mobile banking app:

• Type “Sperry FCU Mobile Banking” in the applications search box on your AndroidTM or iPhone®

• Click “Install”

• Use your PC-24 Online Banking Password to bank with the Sperry FCU Mobile App!

Top reasons our members use pC-24 Online banking:• Check account balances• Transfer funds between accounts• View transactions• Review electronic statements• View check images• Make loan and MasterCard® payments

Since PC-24 Online Banking is free and available 24/7, it’s a great way to manage your accounts during the holidays and every day. Go to www.sperryfcu.org to sign up today!

Fall into Savings with a Sperry Holiday loan!How do you handle holiday gift shopping? Whether you shop monthly throughout the year or are a last-minute bargain hunter, managing the extra expenses that come with gift giving at the holidays can be challenging. Whatever your shopping style may be, consider a Sperry Holiday Loan to help you manage your holiday shopping expenses.

The Sperry Holiday Loan is affordable and a terrific way to buy what you need without maxing out your credit cards, whose interest rates can be 20% or more! With easy fixed payments each month, a Sperry Holiday Loan lets you pay off expenses over time, instead of being hit with huge bills in the New Year. So, forget about buyer’s remorse. Finance your gift giving expenses with a Sperry Holiday Loan instead:

• Terms from 6 months – 24 months

• Borrow from $500 – $5,000

• Holiday Loans booked from 10/5/12 – 12/31/12 are eligible for the lower rates shownur quick loan decisions will put you into the driver’s seat fast!

Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. The National Credit Union Administration (NCUA) is a U. S. Government Agency.

LOCATIONS & HOURS OF OPERATIONOur E-Branch never closes:E-Branch www.sperryfcu.orgHours 24/7Call Center and Live Help:Available during business hours

MAIN OFFICE2400 Jericho Turnpike Garden City Park, NY 11040 - 4711Telephone: (800) 676-5512 or (516) 873-7171Fax: (866) 549-7039

Lobby Hours and Drive-up Teller WindowMonday 8:30am – 4:30pmTuesday 8:30am – 4:30pmWednesday 8:30am – 4:30pmThursday 8:30am – 4:30pmFriday 8:30am – 6:30pmSaturday 9:00am – 1:00pm

Find a Shared Branch or Surcharge-free ATMAs a valued Sperry member, you have surcharge-free ATM access at any 7-Eleven® or King Kullen. You can also conduct account transactions at over 60 Credit Union Shared Branches on Long Island. To find the nearest ATM or Shared Branch, visit our website at www.sperryfcu.org.

Tel-24 Touch Tone Service (516) 873-7171, Option 2 (800) 676-5512, Option 2

MasterCard® Customer Assistance (800) 237-6211 • www.ezcardinfo.com

First Mortgage (800) 239-5376

Our Routing Number 221475773

*APR=Annual Percentage Rate. Rates range from 7.99% APR to 18.00% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Rates listed are for new loans booked as of 10/5/12 and require Auto Pay. Add .25% for Non-Auto Pay. Payment by Auto Pay requires automatic payment from your active Sperry checking account. Rates and terms subject to change without notice. Sperry does not refinance existing Sperry FCU personal loans.

Holiday CloSiNGS

Columbus DayOctober 8

Veterans DayNovember 12

ThanksgivingNovember 22

Christmas DayDecember 25

New Year’s DayJanuary 1

Holiday Early CloSiNGS:

Christmas EveDecember 24

4:00pm

New Year’s EveDecember 31

4:00pm

Sperry Holiday loans— The better Your Credit rating, the lower Your rate!

A+ 7.99%APR*

A 8.99%APR*

B 9.99%APR*

C 11.99%APR*

1Add .25% for non-Auto Pay

Credit Rates1 as low asRating

Lower Rate Offers Expire

Soon!

FrEE Online

banking!

One Card, One bill: Sperry platinum MasterCard®Some retail stores offer a little extra discount for holiday shopping

with their store cards, but their interest rates can be pretty excessive afterwards. Most stores charge well over 20% in interest if you carry a

balance, so how much of a discount did you really get? If you use a different credit card at every store, the new year will be filled with a new

bill being delivered in the mail day after day.

Why not simplify your life and shop with a Sperry Platinum MasterCard® instead? We offer excellent rates based on credit history that are traditionally lower than the rates on store credit

cards. You’ll have the convenience of shopping with credit at a great rate, and then paying just one monthly bill instead of many separate bills. We offer a card with rewards or

a traditional card with extra low rates. Either option will be a refreshing change from managing multiple credit card bills. Check out our rates and apply for your Sperry

Platinum MasterCard® online or by phone.

32

Credit and Debit CardsSperry Corner Piece / 4th Quarter 2012 Sperry Corner Piece / 4th Quarter 2012

loan OffersAuto loan pre-approvals Give You purchasing power

HElOC

Our Home Equity Loans feature:• Fixed rates from 6.25% APR* –

11.14% APR with Auto Pay1

• Loans from $25,000 to $500,000

• Up to 30 years to repay

Our Home Equity Lines of Credit feature:• 1.99% APR for the first 6 months3 ;

variable rate after intro: 4% APR - 10% APR currently.

• Loan amounts from $25,000 to $500,000

• Maximum draw period is 5 years

*APR=Annual Percentage Rate. Rates range from 2.25% APR to 13.79% APR. Rates based on ap-plicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. 2) Payment by Auto Pay requires automatic payment from your active Sperry checking account. Add .25% for non-Auto Pay. Rates and terms are subject to change without notice. Rate shown is for new vehicle loans opened as of 10/1/12 or later. Sperry FCU does not refinance existing Sperry FCU vehicle loans.

Applying for a loan is easy: go to www.sperryfcu.org or call us at (516) 873-7171, Option 3

Make the most of the year-end car sale deals with a vehicle loan from Sperry. By getting pre-approved at Sperry before you go to the showroom, you will have the power to buy a vehicle when you want, without having to negotiate loan rates with the car dealership.

We offer:

• New and Used Vehicle Loan Rates as low as

2.25% APR* with Auto Pay2

• Terms up to 72 month for new vehicle loans

• Terms up to 60 months for used vehicle loans

• Financing up to 125%

Sperry Loan WordSSee how many you can find in our word search puzzle!

Since there’s no place like home for the holidays, why not spruce things up before your family gathers for this year’s annual celebrations with a Sperry Home Equity Loan or Line of Credit!

Home Sweet Home Equity

t i d e r c f o e n i l y z l l u m m n r w t c n j t f g a r a h a a a a k u a i n d e n v h v c s v o s x u j e g t o l e w o o t e l q d b z r a s p e h n r d e e e i l m e d r n c e i c p e r t m w a a i e h r q a c m p c c c o w t l p o j r b o l a a c a o h t o e l k m h i r e o e r r g e s t i l f a d r a t e r s d r n a d x m u c f y r r e p s m o c a y a p o t u a p c r s s c u y l o w r a t e s j k f y n d u q c r e d i t c a r d z l e

Sperry Platinum Sperry Platinum Rewards

• $0 fee for balance transfers• Variable rates—9.99% - 18%, based on

credit levels• 25-day Grace Period• $0 annual fee

• $0 fee for balance transfers• Variable rates—11.99% - 18%, based on

credit levels• Earn rewards for purchases• 25-day Grace Period• $0 annual fee

We Offer Vehicle loan refinancing*

Too!

*APR= Annual Percentage Rate. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. 1) Payment by Auto Pay requires automatic payment from your active Sperry checking account. Add .25% for non-Auto Pay. Rates and terms subject to change without notice. Rates shown are for new loans or line of credit opened as of 10/1/12 or later. 3) Six-month introductory rate converts to variable rate Home Equity Line of Credit (HELOC). Variable HELOC rates = WSJ Prime Rate +/- margin based on credit level.

Auto PayConsolidateCredit CardDebit CardEducateGreat TermsHoliday

Home EquityHome LoanLine of CreditLow RatesMasterCardNew CarPersonal

PreapprovalRateRenovateSperry FCUUsed CarVehicle

Sperry rewards Debit Card Shoppers Make the most of your shopping trip by using your Sperry Visa® Debit Card to earn cash back from your purchases. Simply activate Cash Back Offers in PC-24 Online Banking and you can earn money back for shopping at your favorite stores!

Here’s How It Works:

1 Sign up for or sign into PC-24 Online Banking

2 Activate Cash Back Offers—just one click from the home page— no coupons needed

3 Use your Sperry Visa® Debit Card for purchases—get cash back right into your checking account!

The money you earn is deposited directly into your Sperry checking account once you activate the Cash Back Offers within PC-24 Online Banking. Stores offering cash back include The Body Shop, Aeropostale, Redbox, Walmart and more. Activate Cash Back Offers today!

3.99%Apr*

intro rate available!

Then variable rate after intro:

9.99%Apr* - 18%

Apr* currently

Looking for your first credit card? Ask a Member Service Representative for more information about the

Sperry Credit Builder MasterCard.® It may be your solution to establishing credit!*APR=Annual Percentage Rate. Rates range from 9.99% APR to 18% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Finance charges on balance transfers and cash advances accrue from date of advance. See card disclosures for full details on MasterCard® Credit Cards. 3.99% APR Intro rate is offered to new card applicants only: restrictions apply. Rate is variable after six month intro period: 9.99% APR - 18% APR currently.

One Card, One bill: Sperry platinum MasterCard®Some retail stores offer a little extra discount for holiday shopping

with their store cards, but their interest rates can be pretty excessive afterwards. Most stores charge well over 20% in interest if you carry a

balance, so how much of a discount did you really get? If you use a different credit card at every store, the new year will be filled with a new

bill being delivered in the mail day after day.

Why not simplify your life and shop with a Sperry Platinum MasterCard® instead? We offer excellent rates based on credit history that are traditionally lower than the rates on store credit

cards. You’ll have the convenience of shopping with credit at a great rate, and then paying just one monthly bill instead of many separate bills. We offer a card with rewards or

a traditional card with extra low rates. Either option will be a refreshing change from managing multiple credit card bills. Check out our rates and apply for your Sperry

Platinum MasterCard® online or by phone.

32

Credit and Debit CardsSperry Corner Piece / 4th Quarter 2012 Sperry Corner Piece / 4th Quarter 2012

loan OffersAuto loan pre-approvals Give You purchasing power

HElOC

Our Home Equity Loans feature:• Fixed rates from 6.25% APR* –

11.14% APR with Auto Pay1

• Loans from $25,000 to $500,000

• Up to 30 years to repay

Our Home Equity Lines of Credit feature:• 1.99% APR for the first 6 months3 ;

variable rate after intro: 4% APR - 10% APR currently.

• Loan amounts from $25,000 to $500,000

• Maximum draw period is 5 years

*APR=Annual Percentage Rate. Rates range from 2.25% APR to 13.79% APR. Rates based on ap-plicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. 2) Payment by Auto Pay requires automatic payment from your active Sperry checking account. Add .25% for non-Auto Pay. Rates and terms are subject to change without notice. Rate shown is for new vehicle loans opened as of 10/1/12 or later. Sperry FCU does not refinance existing Sperry FCU vehicle loans.

Applying for a loan is easy: go to www.sperryfcu.org or call us at (516) 873-7171, Option 3

Make the most of the year-end car sale deals with a vehicle loan from Sperry. By getting pre-approved at Sperry before you go to the showroom, you will have the power to buy a vehicle when you want, without having to negotiate loan rates with the car dealership.

We offer:

• New and Used Vehicle Loan Rates as low as

2.25% APR* with Auto Pay2

• Terms up to 72 month for new vehicle loans

• Terms up to 60 months for used vehicle loans

• Financing up to 125%

Sperry Loan WordSSee how many you can find in our word search puzzle!

Since there’s no place like home for the holidays, why not spruce things up before your family gathers for this year’s annual celebrations with a Sperry Home Equity Loan or Line of Credit!

Home Sweet Home Equity

t i d e r c f o e n i l y z l l u m m n r w t c n j t f g a r a h a a a a k u a i n d e n v h v c s v o s x u j e g t o l e w o o t e l q d b z r a s p e h n r d e e e i l m e d r n c e i c p e r t m w a a i e h r q a c m p c c c o w t l p o j r b o l a a c a o h t o e l k m h i r e o e r r g e s t i l f a d r a t e r s d r n a d x m u c f y r r e p s m o c a y a p o t u a p c r s s c u y l o w r a t e s j k f y n d u q c r e d i t c a r d z l e

Sperry Platinum Sperry Platinum Rewards

• $0 fee for balance transfers• Variable rates—9.99% - 18%, based on

credit levels• 25-day Grace Period• $0 annual fee

• $0 fee for balance transfers• Variable rates—11.99% - 18%, based on

credit levels• Earn rewards for purchases• 25-day Grace Period• $0 annual fee

We Offer Vehicle loan refinancing*

Too!

*APR= Annual Percentage Rate. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. 1) Payment by Auto Pay requires automatic payment from your active Sperry checking account. Add .25% for non-Auto Pay. Rates and terms subject to change without notice. Rates shown are for new loans or line of credit opened as of 10/1/12 or later. 3) Six-month introductory rate converts to variable rate Home Equity Line of Credit (HELOC). Variable HELOC rates = WSJ Prime Rate +/- margin based on credit level.

Auto PayConsolidateCredit CardDebit CardEducateGreat TermsHoliday

Home EquityHome LoanLine of CreditLow RatesMasterCardNew CarPersonal

PreapprovalRateRenovateSperry FCUUsed CarVehicle

Sperry rewards Debit Card Shoppers Make the most of your shopping trip by using your Sperry Visa® Debit Card to earn cash back from your purchases. Simply activate Cash Back Offers in PC-24 Online Banking and you can earn money back for shopping at your favorite stores!

Here’s How It Works:

1 Sign up for or sign into PC-24 Online Banking

2 Activate Cash Back Offers—just one click from the home page— no coupons needed

3 Use your Sperry Visa® Debit Card for purchases—get cash back right into your checking account!

The money you earn is deposited directly into your Sperry checking account once you activate the Cash Back Offers within PC-24 Online Banking. Stores offering cash back include The Body Shop, Aeropostale, Redbox, Walmart and more. Activate Cash Back Offers today!

3.99%Apr*

intro rate available!

Then variable rate after intro:

9.99%Apr* - 18%

Apr* currently

Looking for your first credit card? Ask a Member Service Representative for more information about the

Sperry Credit Builder MasterCard.® It may be your solution to establishing credit!*APR=Annual Percentage Rate. Rates range from 9.99% APR to 18% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Finance charges on balance transfers and cash advances accrue from date of advance. See card disclosures for full details on MasterCard® Credit Cards. 3.99% APR Intro rate is offered to new card applicants only: restrictions apply. Rate is variable after six month intro period: 9.99% APR - 18% APR currently.

4

Electronic ServicesSperry Corner Piece / 4th Quarter 2012

Fourth Quarter 2012

Celebrating 75 Years of Better Banking!

THE

PIECE

Co

rNEr

Our FrEE MObilE App = Anytime, Anywhere Access to your Sperry AccountsNow you can manage your finances on the go with the Sperry Mobile Banking Application. It’s free and can be used to check balances, pay bills, make transfers and more, just by using your cell phone! Simply follow these easy steps to get our free mobile banking app:

• Type “Sperry FCU Mobile Banking” in the applications search box on your AndroidTM or iPhone®

• Click “Install”

• Use your PC-24 Online Banking Password to bank with the Sperry FCU Mobile App!

Top reasons our members use pC-24 Online banking:• Check account balances• Transfer funds between accounts• View transactions• Review electronic statements• View check images• Make loan and MasterCard® payments

Since PC-24 Online Banking is free and available 24/7, it’s a great way to manage your accounts during the holidays and every day. Go to www.sperryfcu.org to sign up today!

Fall into Savings with a Sperry Holiday loan!How do you handle holiday gift shopping? Whether you shop monthly throughout the year or are a last-minute bargain hunter, managing the extra expenses that come with gift giving at the holidays can be challenging. Whatever your shopping style may be, consider a Sperry Holiday Loan to help you manage your holiday shopping expenses.

The Sperry Holiday Loan is affordable and a terrific way to buy what you need without maxing out your credit cards, whose interest rates can be 20% or more! With easy fixed payments each month, a Sperry Holiday Loan lets you pay off expenses over time, instead of being hit with huge bills in the New Year. So, forget about buyer’s remorse. Finance your gift giving expenses with a Sperry Holiday Loan instead:

• Terms from 6 months – 24 months

• Borrow from $500 – $5,000

• Holiday Loans booked from 10/5/12 – 12/31/12 are eligible for the lower rates shownur quick loan decisions will put you into the driver’s seat fast!

Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. The National Credit Union Administration (NCUA) is a U. S. Government Agency.

LOCATIONS & HOURS OF OPERATIONOur E-Branch never closes:E-Branch www.sperryfcu.orgHours 24/7Call Center and Live Help:Available during business hours

MAIN OFFICE2400 Jericho Turnpike Garden City Park, NY 11040 - 4711Telephone: (800) 676-5512 or (516) 873-7171Fax: (866) 549-7039

Lobby Hours and Drive-up Teller WindowMonday 8:30am – 4:30pmTuesday 8:30am – 4:30pmWednesday 8:30am – 4:30pmThursday 8:30am – 4:30pmFriday 8:30am – 6:30pmSaturday 9:00am – 1:00pm

Find a Shared Branch or Surcharge-free ATMAs a valued Sperry member, you have surcharge-free ATM access at any 7-Eleven® or King Kullen. You can also conduct account transactions at over 60 Credit Union Shared Branches on Long Island. To find the nearest ATM or Shared Branch, visit our website at www.sperryfcu.org.

Tel-24 Touch Tone Service (516) 873-7171, Option 2 (800) 676-5512, Option 2

MasterCard® Customer Assistance (800) 237-6211 • www.ezcardinfo.com

First Mortgage (800) 239-5376

Our Routing Number 221475773

*APR=Annual Percentage Rate. Rates range from 7.99% APR to 18.00% APR. Rates are based on applicant’s credit history and other restrictions. Applicants who are not offered the lowest rate may be offered credit at a higher rate. Not all applicants may be approved. Rates listed are for new loans booked as of 10/5/12 and require Auto Pay. Add .25% for Non-Auto Pay. Payment by Auto Pay requires automatic payment from your active Sperry checking account. Rates and terms subject to change without notice. Sperry does not refinance existing Sperry FCU personal loans.

Holiday CloSiNGS

Columbus DayOctober 8

Veterans DayNovember 12

ThanksgivingNovember 22

Christmas DayDecember 25

New Year’s DayJanuary 1

Holiday Early CloSiNGS:

Christmas EveDecember 24

4:00pm

New Year’s EveDecember 31

4:00pm

Sperry Holiday loans— The better Your Credit rating, the lower Your rate!

A+ 7.99%APR*

A 8.99%APR*

B 9.99%APR*

C 11.99%APR*

1Add .25% for non-Auto Pay

Credit Rates1 as low asRating

Lower Rate Offers Expire

Soon!

FrEE Online

banking!