A Publication for Members of Northrop Grumman Federal Credit Union JUNE 2013

Scan the code below with a QR reader to

access our website on your

smartphone!

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing Address:Box Number 47009Gardena, California 90247-6809

Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific800.633.2848

Visit us on the internet at www.ngfcu.us

PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

Box Number 47009 Gardena, CA 90247-6809

Two wheels, four wheels or no wheels, NGFCU has the recre-

ational vehicle loan to make your leisure time more fun.

Motorcycles n Boats, Personal WatercraftMotorhomes n Trailers, 5th Wheels, Campers

Van Conversions

Make your summer fun plans today, and let NGFCU help you

get there. Apply online at www.ngfcu.us or call 800.633.2848.

* APR = Annual Percentage Rate. 3.50% is the lowest variable rate for the most creditworthy members. Payment example: 3.50% APR with 60 monthly payments of $18.20 per $1,000 borrrowed. All loans subject to credit approval. Rates subject to change without notice and may change over the life of the loan.

Summer Travel PlansBe sure to let us know the dates and where you’ll be travel-

ing to prevent inconvenient holds on you credit card. You will

also have uninterrupted access to eBranch in the

event your travels are outside the United States.

Yearly Account Information CheckupHave you moved recently? Do you have a new email address or phone

number? Please let us know if any of your Credit Union account contact

information has changed. In case of emergency, such as fraud detection,

we need to be able to contact you as soon as possible.

Thank you for your membership and for your efforts to help us keep your

personal information secure.

Tips for Safe Mobile BankingKeep your personal information and identity safe by practicing

these tips when you’re connecting to your NGFCU account online.

nKeep your phone and tablet secure with a password. This will

help protect you if your phone or tablet is lost or stolen.

nRemember, financial institutions should not request account

numbers, Social Security numbers or other sensitive information

through email or text. If you receive a suspicious message, play

it safe and verify the request by directly contacting your financial

institution.

nLog off your account when you’re finished. This will decrease

the risk that an unauthorized user will access your account.

nReport lost or stolen devices immediately. Contact your wireless

service provider and NGFCU.

* APR = Annual Percentage Rate. 1.49% rate is the lowest rate for new and used vehicles with terms up to 36 months including a discount for automatic payment. (Payment ex-ample: 36 monthly payments of $28.42 per $1,000 borrowed.) Your rate may vary depending upon your creditworthiness. Other rates and longer terms are available. Rates subject to change without notice. All loans subject to credit approval.

Drive a bargain this summer with NGFCU’s low auto loan rates. Save even more when you buy

Union’s car buying services. It’s a cool deal, no matter how hot the summer.

An open road to endless possibilities.A super low rate NGFCU auto loan will open up the road, taking you further than you ever thought possible. Our members save time and money. Apply online at www.ngfcu.us or call us today at 800.633.2848. NGFCU VISA® Debit Card

Cash Back Rewards Coming!You will have access to a new, simpler way to earn cash rewards by simply using your NGFCU Visa Debit Card when you shop! nWhen you shop at registered retailers, your

rewards are automatic – no coupons to print or codes to enter.

nOffers target retailers you use.nCash back rewards can be up to $200 per year

for a moderate user, with no limit for active users. Learn more in the coming weeks on eBranch.

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m Life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m Long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Dental/Vision Coverage

m College Funding*

* Securities offered through LPL Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through LPL Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

www.ngfcu.us2 www.ngfcu.us 3

Federally insured by NCUA.

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity Line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto Locating Services

m Holiday Club Account m MoneyMaster Line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto Loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage Loan m NGFCU MasterCard

To: Northrop Grumman Federal Credit Union Attn: Call Center

PROBLEMS? INQUIRIES?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inquiries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

A Loan for Every HomeWe offer a comprehensive array of real estate loan*

products with a loan to fit almost every need or budget.

Free Rate Lock Mortgage GuaranteeYou are guaranteed to receive our lowest daily published

rate on your chosen loan from the moment you submit

your application until the moment your documents are

ready for signature. This is the best rate lock around.

nChoose the Loan That’s Best for You

nPurchase or Refinance – primary, secondary or

investment homes

nConventional and jumbo loans

nFixed, adjustable and reduced 3/1, 5/1 and 7/1

hybrid ARM rates

nRepayment terms of 15-, 20- and 30-years

nNo point options available

Apply online using our fast, secure application, call

800.633.2848, or email RateLock@ngfcu.us. Our

experienced team of real estate professionals can

help you choose the best loan.

* NGFCU does not offer real estate loans in TX, LA, AL, AR, GA, MS and MO.

Get a Historical Low Rate, Before They’re Gone!

Mortgage Guarantee

I N T R O D U C I N G the

Don’t let the current record low rates get away.

Apply today!

Fixed rate until the transferred balance is paid off! Plus, no

balance transfer fee and no gimmicks – just real savings.

There is a smarter way to pay off other credit cards, and

it’s only at NGFCU. Call 800.633.2848 or apply online

today at www.ngfcu.us.

* For details about the NGFCU MasterCard Smart Transfer program terms and conditions, please visit www.ngfcu.us.

Credit Unions Unite for GoodIt’s happening now! Credit unions across America are uniting

for good in order to show others how the benefits of the

cooperative spirit can help save money every day, reach

financial goals, and provide excellent service.

As a not-for-profit financial

institution, it is our goal to help

people make the most of their

money. We want to show

America that we don’t exist to

profit from our members. We

exist to return our profits to our members, and we do that in the

form of lower loan rates, higher yields, and fewer fees. We do it

in a way that helps our members save money every day.

Will you unite for good with us? Share the benefits of credit

union membership with your friends, family and co-workers.

Visit www.ngfcu.us and click on Join Online Now! button to

join and fund your account, and, within minutes, you’ll have

all the benefits of credit union membership wherever you are.

Together, we can spread the good news of credit union

membership all across America.

Mobile Banking: Safe, Secure, and So Cool!No matter how busy your life keeps you, or where you happen to

be, your NGFCU accounts are always within your reach through

the FREE eBranch.

RemoteDeposit – make check deposits using your scanner-

equipped home or office computer or through mobile

on your Android, iPhone or iPad.

Online Banking – check account balances, transfer funds and

more by simply logging in to

eBranch.

Bill Pay – schedule automatic

payments, review history, and

monitor pending payments.

eStatements – store your monthly

statements securely online and

avoid paper clutter.

For convenient access to your

accounts at your fingertips,

download the app to

your smartphone today!

Introducing the SmartTransfer™ Credit Card Payoff

Holiday Closing

INDEPENDENCE

DAY

Thursday, July 4

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m Life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m Long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Dental/Vision Coverage

m College Funding*

* Securities offered through LPL Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through LPL Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

www.ngfcu.us2 www.ngfcu.us 3

Federally insured by NCUA.

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity Line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto Locating Services

m Holiday Club Account m MoneyMaster Line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto Loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage Loan m NGFCU MasterCard

To: Northrop Grumman Federal Credit Union Attn: Call Center

PROBLEMS? INQUIRIES?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inquiries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

A Loan for Every HomeWe offer a comprehensive array of real estate loan*

products with a loan to fit almost every need or budget.

Free Rate Lock Mortgage GuaranteeYou are guaranteed to receive our lowest daily published

rate on your chosen loan from the moment you submit

your application until the moment your documents are

ready for signature. This is the best rate lock around.

nChoose the Loan That’s Best for You

nPurchase or Refinance – primary, secondary or

investment homes

nConventional and jumbo loans

nFixed, adjustable and reduced 3/1, 5/1 and 7/1

hybrid ARM rates

nRepayment terms of 15-, 20- and 30-years

nNo point options available

Apply online using our fast, secure application, call

800.633.2848, or email RateLock@ngfcu.us. Our

experienced team of real estate professionals can

help you choose the best loan.

* NGFCU does not offer real estate loans in TX, LA, AL, AR, GA, MS and MO.

Get a Historical Low Rate, Before They’re Gone!

Mortgage Guarantee

I N T R O D U C I N G the

Don’t let the current record low rates get away.

Apply today!

Fixed rate until the transferred balance is paid off! Plus, no

balance transfer fee and no gimmicks – just real savings.

There is a smarter way to pay off other credit cards, and

it’s only at NGFCU. Call 800.633.2848 or apply online

today at www.ngfcu.us.

* For details about the NGFCU MasterCard Smart Transfer program terms and conditions, please visit www.ngfcu.us.

Credit Unions Unite for GoodIt’s happening now! Credit unions across America are uniting

for good in order to show others how the benefits of the

cooperative spirit can help save money every day, reach

financial goals, and provide excellent service.

As a not-for-profit financial

institution, it is our goal to help

people make the most of their

money. We want to show

America that we don’t exist to

profit from our members. We

exist to return our profits to our members, and we do that in the

form of lower loan rates, higher yields, and fewer fees. We do it

in a way that helps our members save money every day.

Will you unite for good with us? Share the benefits of credit

union membership with your friends, family and co-workers.

Visit www.ngfcu.us and click on Join Online Now! button to

join and fund your account, and, within minutes, you’ll have

all the benefits of credit union membership wherever you are.

Together, we can spread the good news of credit union

membership all across America.

Mobile Banking: Safe, Secure, and So Cool!No matter how busy your life keeps you, or where you happen to

be, your NGFCU accounts are always within your reach through

the FREE eBranch.

RemoteDeposit – make check deposits using your scanner-

equipped home or office computer or through mobile

on your Android, iPhone or iPad.

Online Banking – check account balances, transfer funds and

more by simply logging in to

eBranch.

Bill Pay – schedule automatic

payments, review history, and

monitor pending payments.

eStatements – store your monthly

statements securely online and

avoid paper clutter.

For convenient access to your

accounts at your fingertips,

download the app to

your smartphone today!

Introducing the SmartTransfer™ Credit Card Payoff

Holiday Closing

INDEPENDENCE

DAY

Thursday, July 4

A Publication for Members of Northrop Grumman Federal Credit Union JUNE 2013

Scan the code below with a QR reader to

access our website on your

smartphone!

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing Address:Box Number 47009Gardena, California 90247-6809

Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific800.633.2848

Visit us on the internet at www.ngfcu.us

PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

Box Number 47009 Gardena, CA 90247-6809

Two wheels, four wheels or no wheels, NGFCU has the recre-

ational vehicle loan to make your leisure time more fun.

Motorcycles n Boats, Personal WatercraftMotorhomes n Trailers, 5th Wheels, Campers

Van Conversions

Make your summer fun plans today, and let NGFCU help you

get there. Apply online at www.ngfcu.us or call 800.633.2848.

* APR = Annual Percentage Rate. 3.50% is the lowest variable rate for the most creditworthy members. Payment example: 3.50% APR with 60 monthly payments of $18.20 per $1,000 borrrowed. All loans subject to credit approval. Rates subject to change without notice and may change over the life of the loan.

Summer Travel PlansBe sure to let us know the dates and where you’ll be travel-

ing to prevent inconvenient holds on you credit card. You will

also have uninterrupted access to eBranch in the

event your travels are outside the United States.

Yearly Account Information CheckupHave you moved recently? Do you have a new email address or phone

number? Please let us know if any of your Credit Union account contact

information has changed. In case of emergency, such as fraud detection,

we need to be able to contact you as soon as possible.

Thank you for your membership and for your efforts to help us keep your

personal information secure.

Tips for Safe Mobile BankingKeep your personal information and identity safe by practicing

these tips when you’re connecting to your NGFCU account online.

nKeep your phone and tablet secure with a password. This will

help protect you if your phone or tablet is lost or stolen.

nRemember, financial institutions should not request account

numbers, Social Security numbers or other sensitive information

through email or text. If you receive a suspicious message, play

it safe and verify the request by directly contacting your financial

institution.

nLog off your account when you’re finished. This will decrease

the risk that an unauthorized user will access your account.

nReport lost or stolen devices immediately. Contact your wireless

service provider and NGFCU.

* APR = Annual Percentage Rate. 1.49% rate is the lowest rate for new and used vehicles with terms up to 36 months including a discount for automatic payment. (Payment ex-ample: 36 monthly payments of $28.42 per $1,000 borrowed.) Your rate may vary depending upon your creditworthiness. Other rates and longer terms are available. Rates subject to change without notice. All loans subject to credit approval.

Drive a bargain this summer with NGFCU’s low auto loan rates. Save even more when you buy

Union’s car buying services. It’s a cool deal, no matter how hot the summer.

An open road to endless possibilities.A super low rate NGFCU auto loan will open up the road, taking you further than you ever thought possible. Our members save time and money. Apply online at www.ngfcu.us or call us today at 800.633.2848. NGFCU VISA® Debit Card

Cash Back Rewards Coming!You will have access to a new, simpler way to earn cash rewards by simply using your NGFCU Visa Debit Card when you shop! nWhen you shop at registered retailers, your

rewards are automatic – no coupons to print or codes to enter.

nOffers target retailers you use.nCash back rewards can be up to $200 per year

for a moderate user, with no limit for active users. Learn more in the coming weeks on eBranch.