Atlantic Health Employees Federal Credit Union

SEPTEMBER 7, 2010

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NEW CAR LOANS

RATES AS LOW AS

5.00 %

USED CAR LOANS

AS LOW AS

5.25 %

PERSONAL LOANS

AS LOW AS

7.99 %

TUITION LOANS

AS LOW AS

7.99 %

SAVINGS SECURED LOANS

3.99 %

HOME EQUITY LOANS

UP TO $50,000, AS LOW AS

5.00 %

*ANNUAL PERCENTAGE RATE - THE LOAN RATES QUOTED ARE THE LOWEST POSSIBLE RATES FOR QUALIFIED BORROWERS

NOTICE: Rates are subject to change without notice.

ENTERPRISE CAR SALE

Members Only used car sale with Enterprise Car Sales.

This is your exclusive, credit union member opportunity, to purchase over 45 different makes and models ranging from compact cars to luxury sedans.

Enterprise will include: * 7 day / 1,000 mile repurchase agreement; * 12 Month / 12,000 Mile Limited Powertrain Warranty; * One Year Free Roadside Assistance. For a sampling of the types of vehicles that will be available for sale, please click on: www.enterprise.com

Don't wait for the day of the sale to arrange your financing. Submit your application early thru this website to find out about your loan pre-approval.

Invest In America Auto Discounts

If you’ve been planning to buy a new car or truck anyway, there’s never been a better time.

Credit unions throughout the United States have partnered with GM and Chrysler to help give credit union members a boost during these tough times. Depending on which vehicle you choose, you could save up to thousands of dollars on a brand new American-made vehicle.

And when you finance your new vehicle through your credit union, you’ll be saving even more with our fantastically low loan rates. On average, a new vehicle loan through your credit union is 1% lower than at other financial institutions.

To learn more about discount offers from GM and Chrysler, click on the link below:

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LOAN ELIGIBILITY

To be considered for approval, you must:
* Be a member of the Atlantic Health Federal Credit Union;
* Be employed by Atlantic Health or with your current employer for at least 3 months.

LOANS ONLINE

Simply click on the Loan Application Link on the left toolbar.

What's My Score

What's My Score: Teaching Young Adults How to Get and Keep Good Credit

Click http://www.whatsmyscore.org for valuable online financial education, calculators and tools that show students and young adults the cost of using credit poorly and the effect your credit score has on your ability to borrow, whether for your first car, home or student loans.

Order your free annual credit report today and start preparing your credit history for your future borrowing needs. http://annualcreditreport.com

LOAN APPROVAL

In order for your loan to be approved, you must meet the following criteria:

* You must have the ability to repay the loan within the terms of the agreement;

* Your past credit history and present credit record is satisfactory as a result of information obtained from credit references and reporting agencies;

* You have demonstrated stability of employment, residence, etc.

THE LOAN APPLICATION

The loan application must be filled out completely. If something does not apply to you, put N/A or zero.

* Submit completed application through this web site, or via fax/mail or in person to the credit union office;

* Copies of your most recent paycheck stubs and/or proof of other income must be received before application can be processed;

* Applications must include a complete listing of all monthly expenses such as, rent, mortgage payments, credit card payments, other loan obligations, etc;

* If you are applying for a car loan and you are buying the car through a dealer, you must also send us a copy of the purchase order.

LOAN REVIEW

Our decisions are made locally, not in a distant corporate office! We specialize in courteous, efficient service to give you the individual attention that you deserve.

INSURANCE ON YOUR LOAN

Credit Life Insurance - Pays the remaining balance of your loan in the event of your death. This insurance will ease the financial burden on your family.

Credit Disability Insurance - Pays your monthly loan payments while you are disabled. Loan payments would be made on your behalf until you are able to return to work. Some restrictions apply.

0 % FINANCING

Don't Be Fooled!

Consumers Find Rate To Be

Just That....." A Big Zero ".

Be an informed consumer. If it sounds too good to be true...well, you know the rest of the story.

First of all, "zero percent financing" is often limited to shorter terms and may only be good up to 36 months. That means a pretty hefty monthly payment. In addition, larger down payments may be required, pre-payment penalties may exist and negotiating a better deal on the price of the car could be a problem.

There's more! You may be limited to "on-site stock" thus minimizing your choices in models, colors, styles and other options. And, if that's not enough, your credit history, employment history, length of residence and your general financial well-being better be perfect.

The credit union has a better idea. Take the dealer rebate and come back to the credit union for your loan. Based on the size of the rebate and a low interest rate credit union loan, you may actually reduce your monthly payment. Call us first!

Don't forget! Do a little homework before visiting the dealership and you may discover that you can save hundreds of dollars by financing your new auto purchase with us.

HOME EQUITY LOAN

Borrow up to $50,000 to improve your home, property or other needs.

Up to 10 years to repay, base on qualified borrowers and equity in home.

Interest rate starting at 5.00% APR ( Annual Percentage Rate )

Atlantic Health Employees Federal Credit Union
99 Beauvoir Ave. - PO Box 220
Summit, NJ 07902-0220
Phone: 908-522-3530
Fax: 908-277-3530

Disclosures Privacy Policy

This credit union is federally insured
by the National Credit Union Administration.