Today

Advanced Financial

WIN

TER

201

8

Holiday ClosingsNewark and Wall (only):Martin Luther King Jr. Day, January 15 Presidents Day, February 19

We Got It All Under One Roof It pays to be an Advanced Financial FCU member – especially when you’re in the market for any kind of loan. Be prepared for life’s expenses, whenever they happen, with a loan or line of credit. Whether you’re looking to consolidate higher interest rate debt, renovate your house, or cover an unexpected repair or an emergency medical bill, we offer plenty of borrowing options to fit your needs, including personal loans, holiday loans, vacation loans and fixed-rate credit cards.

You can also take advantage of our competitive auto rates. Purchase a new or used vehicle, or refinance your existing auto loan from another lender to lower your payment.

We offer competitive home equity lines of credit that allow you to enjoy the things that really matter with the equity you’ve built up in your home.

Interested in purchasing a home or refinancing your mortgage? We’ve got that covered as well through our mortgage department.

Stop by or visit www.advfinfcu.com for more information.

Happy Member “Excellent customer service, top of the line security!”– Eugene Olago

Dormant AccountsIf your account has not had any activity (other than the dividends posted) for 18 months, it will be placed on inactive status. Dormant accounts will be charged a dormant account fee of $8.00 per month. A deposit of any amount will remove the dormancy status.

Get Trusted Protection and Savings with theTruStage Auto & Home Insurance Program The TruStage® Auto & Home Insurance Program offers competitive savings for credit union members. You could save hundreds on car insurance; some members could save even more from all of the discounts offered including:

• Credit union member discount• Multi-car discount• Anti-lock brake discount• Air bags and automatic seat belt discount• Good student discount• Accident forgiveness

TruStage offers great values on home insurance, too! Coverage you can count on. Call 1-800-789-6286 today and see why more than 500,000 credit union members have already switched!

TruStage products and programs are made available to credit union members through TruStage Insurance Agency. Affiliates of TruStage have been providing insurance and financial services designed for credit unions and members for more than 80 years, serving more than 16 million credit union members.

GETTING TO KNOW ADVANCED FINANCIAL Richard Rose, RICP®, CLTC® with Nationwide Planning Associates, Inc. provides financial and investment advice to our members. With more than 26 years of investment management experience, his primary focus is to provide sound financial advice and guidance to help prepare for all of life’s events including retirement, saving for college and estate planning.

Richard is a Registered Investment Advisor who holds the FINRA Series 7 General Securities Representative, Series 9/10 General Securities Sales Supervisor, Series 24 General Securities Principal, Series 63 Uniform Securities Agent State Law and Series 65 Uniform Investment Advisor Law licenses. He also has NY, NJ and FL Life and Health Insurance licenses.

He also holds the Retirement Income Counselor Professional (RICP) designation from the American College of Financial Services. This designation is for advisors who specialize in retirement income planning using various strategies to help clients achieve and sustain their retirement income requirements.

He can be reached at 800-237-5626 ext. 2129 or by email at rrose@nationwideplanning.com.

Richard Rose, RICP®

Investing in Your Future

We believe that developing a sound investment portfolio will serve as a roadmap for a healthy retirement. Each member is unique, but some goals are more frequently expressed and may apply to you:

• Planning for retirement or, if you are already retired, having the ability to sustain the retirement

• Funding children’s or grandchildren’s education• Using estate planning techniques to protect

beneficiaries

By working with a plan we develop together, we can help you identify potential gaps in funding these goals and review alternatives for pursuing them that may be appropriate for you. After considering your current financial situation, long- and short-term financial goals and risk tolerance, we can then recommend a strategy to achieve the desired outcome. To take the first step towards developing a strategy, please call Richard Rose at extension 2129.

Representatives are registered through, and securities are sold through Nationwide Planning Associates, Inc., Member FINRA/SIPC, located at 115 West Century Road, Suite 360, Paramus, NJ 07652. Investment advisory services are offered through NPA Asset Management, LLC. Insurance sold through licensed NPA Insurance Agency, Inc. agents. Non-deposit investment products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the Broker/Dealer or Credit Union. Representatives are NOT employees of the Credit Union.

3 Panel BR - 8.5x11 - Front – Letterfold

1427 Wyckoff RoadWall, N J 07727Monday – Friday8:00 am – 4:00 pm Wall Branch is for Blue Cross Blue Shield Employees only.

320 Park Avenue Scotch Plains, NJ 07076 Monday – Wednesday 8:00 am – 4:00 pmThursday 9:00 am – 6:00 pmFriday 8:00 am – 3:00 pm

Main Office785 Central AvenueNew Providence, N J 07974908-771-0300Fax: 908-771-9349Monday – Wednesday8:00 am – 4:00 pmThursday & Friday8:00 am – 6:00 pmSaturday 9:00 am – 12:00 pm

Branch Locations3 Penn Plaza EastNewark, N J 07105Monday – Friday8:00 am – 4:00 pm

575 Raritan RoadRoselle, N J 07203Monday – Friday9:00 am – 5:00 pmSaturday 9:00 am – 1:00 pm

800-237-5626www.advfinfcu.com

Federally Insured by the NCUA

Tax Preparation Services Advanced Financial has teamed up with Daniel Swift, CPA of Swift and Associates, LLC to offer income tax preparation services. Through Dan, we have the ability to process your state and federal tax returns.

As an added advantage, any refund can be done quickly via e-filing and deposited directly to your Advanced Financial Federal Credit Union account.

To have your taxes prepared, drop off your 2017 tax information, along with copies of the past two years’ tax returns, to one of our offices. If you prefer, contact one of our customer service representatives for more information.

New Employees

We would like to welcome Melissa Sablon and Benish Mirza to our Advanced Financial family. Melissa is a part-time teller at New Providence and Benish works in the Accounting Department.

This time of year, many people resolve to get their finances in order. To have a good year when it comes to your finances, here are a few key things that you should do:

• Set a budget. Review your budget and make changes as needed. It is really important to have a budget in place so you know where your money goes and to make sure that your money is working for you.

• Create a plan to pay down debts. Becoming debt free is one of the best moves you can make, since it will eliminate your financial stress.

• Start a retirement account. If your employer has a 401(k) plan, you should think about contributing to it. If you need to start a separate one or have a 401(k) and need to roll it over, contact Richard Rose or email him at rrose@nationwideplanning.com.

• Check your credit score. This should be done a few times per year, and you should review both your report and your score so you can make sure there aren’t any mistakes or potential fraud.

Advanced Financial Gallery

Start the New Year Off on the Path to Financial Success

From the board of directors, CEO and staff, we wish you and yours a healthy and prosperous New Year.

Stay alert:Always review your account online and make sure that we have your most up-to-date phone number, active email address and other contact information. This will help us reduce losses for any unauthorized transactions.

January 1 – January 31, 2018Call 908-771-0300 x 2118, 2181 to get pre-approvedby your credit union today!

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

cuautodeals.com

RATES AS LOW AS 2.50% APR.1AND, WE'LL GIVE YOU KELLEY BLUE BOOK®

TRADE-IN VALUE FOR YOUR VEHICLE.2

When you finance an Enterprise vehicle with Advanced Financial Federal Credit Union.

1: APR=Annual Percentage Rate. Rates as low as 2.50%APR for 36months. 100% Financing available including Tax, Title & License. Financing for qualified Advanced Financial Federal Credit Unionmembers. Notall buyers will qualify. Actual rate may vary based on credit worthiness. Offer valid only on Enterprise Car Sales vehicles purchased January 1 – January 31, 2018. Cannot be combined. 2: Kelley Blue Book Trade-InValues used by Enterprise are obtained from© 2017 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating &mileage of vehicle. Accurately appraising thecondition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-InValue. Kelley Blue Book valuation adjustments for vehicle mileage disproportionate to the age of the vehicle may be cappedby Enterprise Car Sales at 20% of the vehicle’s base value. If a Kelley Blue Book Trade-In value is not available for customer’s vehicle Enterprise will provide a fair & competitive value for customer's vehicle.Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid onone trade-in for each Enterprise vehicle purchase. Restrictions apply. See a Sales Consultant for details. Offer void where prohibited.Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources,with a possible previous use including rental, lease, transportation network company or other use. Photo for illustration only. The “e” logo, Enterprise, “Enterprise Inspected” & “Haggle-free buying. Worry-freeownership.” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners.© 2017 Enterprise Car Sales.

January1–January31,2018Call908-771-0300x2118,2181togetpre-approvedbyyourcredituniontoday!

Call866-227-7253forthenearestEnterpriseCarSaleslocation orpreviewourgreatselectionofqualityusedvehiclesat

cuautodeals.com

RATESASLOWAS2.50%APR.1AND,WE'LL GIVE YOU KELLEY BLUE BOOK®

TRADE-IN VALUE FOR YOUR VEHICLE.2

WhenyoufinanceanEnterprisevehiclewithAdvancedFinancialFederalCreditUnion.

1:APR=AnnualPercentageRate.Ratesaslowas2.50%APRfor36months.100%FinancingavailableincludingTax,Title&License.FinancingforqualifiedAdvancedFinancialFederalCreditUnionmembers.Notallbuyerswillqualify.Actualratemayvarybasedoncreditworthiness.OffervalidonlyonEnterpriseCarSalesvehiclespurchasedJanuary1–January31,2018.Cannotbecombined.2:KelleyBlueBookTrade-InValuesusedbyEnterpriseareobtainedfrom©2017KelleyBlueBookCo.’swebsiteKBB.com.KelleyBlueBookTrade-InValueisbasedonaccurateconditionrating&mileageofvehicle.AccuratelyappraisingtheconditionofthevehicleisanimportantaspectofdeterminingitsKelleyBlueBookTrade-InValue.KelleyBlueBookvaluationadjustmentsforvehiclemileagedisproportionatetotheageofthevehiclemaybecappedbyEnterpriseCarSalesat20%ofthevehicle’sbasevalue.IfaKelleyBlueBookTrade-Invalueisnotavailableforcustomer’svehicleEnterprisewillprovideafair&competitivevalueforcustomer'svehicle.Customerisresponsibletoanyextentvehiclepay-offexceedsEnterpriseoffer.Customermustproviderequiredproofofownership/registrationandallothernecessarypaperworktotransfertitle.Offeronlyvalidononetrade-inforeachEnterprisevehiclepurchase.Restrictionsapply.SeeaSalesConsultantfordetails.Offervoidwhereprohibited.UsedvehicleswerepreviouslypartoftheEnterpriserentalfleetand/oranaffiliatedcompany’sleasefleetorpurchasedbyEnterprisefromsourcesincludingautoauctions,customertrade-insorfromothersources,withapossibleprevioususeincludingrental,lease,transportationnetworkcompanyorotheruse.Photoforillustrationonly.The“e”logo,Enterprise,“EnterpriseInspected”&“Haggle-freebuying.Worry-freeownership.”aretrademarksofEnterpriseHoldings,Inc.Allothertrademarksarethepropertyoftheirrespectiveowners.©2017EnterpriseCarSales.

!

Clockwise from top left: Gala dinner with Community Access Unlimited, Board of Directors, Children’s Specialized Hospital tour, Annual Meeting, Summit Speech School Halloween party at New Providence office, Reality Fair with Credit Union League

3 Panel BR - 8.5x11 - Front – Letterfold