205 East Hathaway Street
        Girard, PA 16417

ACH direct deposit is:

• Fast – direct deposit of your return enables the IRS to deliver your refund up to 3 weeks earlier than if you were to receive it by mail.
• Safe – checks can’t get lost or stolen.
• Easy – there’s no need to make a special trip to your credit union.  The refund goes directly in to your account, and your money is available immediately.

ACH direct deposit is also a great way to receive your payroll, pension, Social Security, etc.

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Paying bills by check?  Consider direct withdrawal.

ACH direct withdrawal is:

• Convenient – your bills get paid on schedule.  You don’t have to worry about forgotten or missed payments, or checks getting delayed in the mail; this guarantees that your payment is always received on time. 
• Cost effective - eliminates the need to write checks for certain bills and eliminates postage.
• Beneficial - many creditors prefer ACH payment, and some may even give you a discount for allowing direct withdrawal of payments.

For ACH direct deposit or withdrawal, you’ll need our routing number 243381586 and your 4 digit account number. Please call us if you need any additional information, or have any questions.

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New services:

Cash, Money orders.

As our members needs grow and change, we try to do the same.  Your credit union now offers CASH transactions (withdrawals, check cashing) up to $1000.

Personal money orders.

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How may we serve you?

Your credit union offers a full range of financial services.  Take a look!

•  Savings
  • Share savings
  • Christmas club
  • Fun / Future savings club
  • Share certificates (cd)
• Share draft (checking)
• Overdraft protection
• Cash transactions
• Loans
  • Automobile and motorcycle
  • Miscellaneous collateral-boat, atv, etc.
  • Personal
  • Fully secured
  • PHEAA
• Third party wires
• Western Union
• IRA
  • Traditional
  • Roth
  • Coverdell education
• Direct deposit / withdrawal
• Payroll deduction
• Insurance
  • FREE life savings
  • Credit disability
  • Loan protection
• Consumer information guides
• Discount tickets
• Friendly, personal service
• New Service: ATM / Debit Cards
  We want to thank all of our members who have been waiting so patiently for the implementation of our ATM / Debit card program. The wait is almost over – we have an anticipated live date of SEPTEMBER 2005! If you are interested in opening a card, please complete and return the application that is included with your statement. Thanks again!

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Holiday Hours

Please note the dates that your credit union will be CLOSED in observance of the following holidays

• March 25              Good Friday

• July 4                   Independence Day

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Par value fee

Incorrect address fee

Late payment fee

Although we try to keep membership fees minimal, there are certain instances when we must charge a fee for practices that cost the credit union money.

Please note that all member share accounts must maintain a minimum balance of $25 at all times.  If your share account falls below the required minimum balance, we may charge a $5 fee per quarter until the balance is brought back up to $25 or the account is closed.

To keep postage costs down, we may charge a $2.50 fee for any item that is returned due to an incorrect address.

To assist in collection costs, we have instituted a fee of $10 on all late loan payments.

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PHEAA Loans

James DeDad Scholarship

Looking for college money?  We can help!

Your credit union offers PHEAA / AES loans for students and parents.  We also have a student loan repayment program.  Information and applications are available at the Credit Union office.

James Dedad scholarship contest:  any member between the ages of 18-25 who is planning on attending college in the fall as an undergraduate student is eligible to apply.  Prizes are awarded based on written essays – 1^st prize up to $5000!  Additional details and entry forms will be available at the office after February 1^st.

Your son or daughter isn’t a member?  Open an account for them today, and they too can experience the benefits of credit union membership!

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 Annual Dinner Meeting

Saturday, April 9^th

Girard American Legion

6:00 cocktails    7:00 dinner

This is your chance to hear about your credit union, vote for the directors, and enjoy a delicious meal.  Please call the credit union by March 30^th with your reservation.  Hope to see you there!

• Members                 $6.00

• Non-members          $8.00

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IRA – it’s not too late!

Contributing to an IRA (individual retirement account) can help ensure a comfortable retirement and may even lessen your income tax obligations.  We offer all three IRA types:  Traditional, Roth, and Educational.

Please contact the office for contribution limits and details.  Your credit union is a great place to save!

You have until April 15^th to make an IRA contribution for tax year 2004 – it’s not too late to save!  

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Statistics as of December 31, 2004

Members                                                                1144

Assets                                                            2,072,477

Shares                                                            1,836,826

Loans                                                             1,503,327

Board of Directors

Roger Diehl                                                      President

Connie Palmer                                        Vice President

Robert Ryan                                                     Treasurer

Mary Louise Little                                            Secretary

Arlene Bailey

Mark Weithman

Kris Russin

Supervisory Committee

Marjorie Burbee                                            Chairperson

Mary Ellen Coonfer

Eleanor Replogle

Carrie Sabella

Loan Officers

Sherri Kaputa-Jarvi

Anna Porter

Staff

Kris Russin                                                       Manager

Michele Toney

Susan Rastetter

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