2-Hour Auto Loan Approval on Auto Loans!Quick process takes as little time as a movie

Summertime is approaching and that means summer movie blockbusters. Do you know you can be approved for an auto-loan with GNC’s new Two-Hour Loan Approval in as little time as it takes to see a flick? You won’t waste money either: Our rates are as low as 2.49% APR*. You’ll start to save immediately. That means more money for extra popcorn or – dare we say?! – even a new convertible for the drive-in! Need to refinance? Look no further! Lower your monthly payment, lower your interest rate or shorten the term of your loan by refinancing your current auto loan with us. Bonus feature: No payment for the first 45

days! Take ten minutes to apply, come back in two hours and see how GNC’s Two-Hour Loan Approval can turn into hundreds of dollars in savings. The reviews are bound to be a hit!

*Annual Percentage Rate. Loan rates are determined by term of loan and personal credit history. Sample monthly payment for loan of $20,000.00 for 60 months at 2.49% APR* would be

approximately $354.89. All rates and promotions are subject to change without notice.

Holiday Closing Memorial Day, Monday, May 26th

MAIN OFFICE201 South Jefferson St. • New Castle, PA 16101

Phone: 724-652-5783 Fax: 724-652-9864Office Hours

Monday 8:30am - 5:00pm Tuesday 8:30am - 5:00pm Wednesday 8:30am - 5:00pm Thursday 8:30am - 6:00pm Friday 8:30am - 5:00pm

BRANCH2907 Wilmington Road • New Castle, PA 16101

Phone: 724-652-1431 Office Hours

Monday 8:30am - 5:00pm Tuesday 8:30am - 5:00pm Wednesday 8:30am - 5:00pm Thursday 8:30am - 5:00pm Friday 8:30am - 6:00pm Saturday 9:00am -12:00pm

Toll-Free: 800-790-5250Phone E-Teller: 724-652-2568www.gncfcu.com

Spring 2014

Almost here! New Office to Open SoonLocation is state-of-art facility

Spring is a time of new life – and GNC Community is anxiously awaiting the opening of our brand-new location, a state-of-the-art facility at 2907 Wilmington Road. The new branch office not only has all of the great services we already provide at our current location, but will have even more features to serve you better! Amenities include:

• Roomy 4800 square foot building• Welcoming lobby with 5 teller windows and wall-mounted TVs• Coin machine for converting your change into paper currency quickly and easily• 2 Drive-through tellers and a drive up ATM

Don’t miss our Grand Opening Celebration coming soon! Look for details at the credit union and online.

No Place Like Home to Find Needed FundsDo you have big plans for this year but not sure how you’ll afford making dreams a reality? There’s no place like home – a GNC Community Home Equity Line of Credit (HELOC), that is! With our introductory rate of just 0.99% APR* for the first six months and competitive low rates after that, a HELOC lets you use the equity you’ve built in your home and put it to work! Use the funds for whatever you’re dreaming of: a home renovation project, consolidating your bills or purchasing a new vehicle. The dreams that you dare to dream really do come true with a GNC Community HELOC. Click online or click your heels into the branch for more information.

*Annual Percentage Rate. After six months the APR is based on the prime rate +.25% with a floor of 2.75%. All rates and promotions are subject to change without notice. Member pays $375 for appraisal.

GNC VISA Helps Savings Bloom!Low 6.9% APR* with our credit cardNeed a new way to save this spring? Watch your savings bloom and grow by applying for a GNC VISA! Transfer high credit card balances to our card and see how you reduce debt with our low, FIXED interest rate of just 6.9% APR! Plus, at GNC Community, we don’t plant hidden seeds of introductory rates, annual fees, and balance transfer fees that spring up on your bill. No matter how you use your GNC VISA – pay off bills, make new plans, finish projects – you’ll smell the roses of success by ridding yourself of unnecessary high interest debt. Don’t have a GNC VISA yet? Hop over to the branch or call us to apply today! *Annual Percentage Rate. ** Example only - each situation is unique. A sample monthly payment for a credit card balance of $5,000 would be approximately 3% of loan balance. Credit limit is determined by personal credit history. All rates and promotions are subject to change without notice.

Introductory Rate

0.99% APR*

OUR HELOC Helps Make Dreams Come True

CEO’sFellow GNC Community FCU Members, on behalf of the staff and Board of Directors of the credit union, I want to share a few thoughts on how excited we are about continuing to improve our services to you in 2014. First, we are eagerly anticipating the opening of our new branch location at 2907 Wilmington Road and are sure you’ll appreciate the many new conveniences offered here (see accompanying article on the new branch and its amenities).

As we prepare for the official grand opening, we’re pleased to announce that our newest service enhancement has arrived! We now offer Two-Hour Loan Approvals for auto loan purchases and pre-approvals. When you apply for an auto loan for a purchase, in two hour or less, you’ll know if you were approved for the loan and its terms! This new service is one of the many strides we’re making to improve your financial well-being. Give the two-hour loan a try and take advantage of our great loan specials. Thank you again for your business and support. Here’s looking forward to the rest of 2014 and beyond!

Sincerely,Dianna Cecchini, CEO

As we witness each spring, things change! Don’t stop with your own seasonal rejuvenation until you review your account information on file with GNC! Specifically, help us make sure that three very important pieces of info are current and correct: 1) Your Mailing Address; 2) Your Phone Number; and 3) Your Beneficiary Designation.

Every now and then, we need to make sure we can reach you with important account information, so having a current mailing address and phone number on file is necessary. If your address or phone is not correct or if you have moved recently, be sure to notify GNC of your new information in writing (even if you already completed a USPS change-of-address kit!).

A landmark life change can also affect the status of your account’s designated beneficiary, who will receive your assets when you are deceased (regardless of what your will might say). Had a new child or grandchild, been married or divorced recently? If so, you should visit or call GNC to update your account with your new status to make certain your assets go to the people of your choice ... not sure who that should be? We can help with that, too.

Make sure your legacy is carried out ... take the time to keep GNC

up-to-date!

Community Day will be here before you know it! Our 7th Annual Community Day will be held in July with FREE onsite shredding, a live radio remote from FROGGY,

refreshments and surprises throughout the morning. Watch our website and the next newsletter for more details.

These days, owning a cell phone – especially Smartphone users – is becoming more and more important to people for business, managing bills, working on the go, keeping updated on news and using it for social media and taking photos – for some, it’s the only communication tool they use! Save money on your cell phone bill! Take advantage of one of the many benefits GNC Community FCU offers members like the Sprint discount with Invest in America. The many perks you receive include:

• 10% discount on select regularly priced Sprint monthly service• Waived activation fee on new lines (up to $36 in savings)• Waived upgrade fee (up to $36 in savings)• Buy online and receive additional savings• Unlimited data available on select phone plans• Ready Now, one-on-one personalized setup, is provided at select Sprint Stores

Stop by and see us at the credit union or visit www.lovemycreditunion.org

for more details! When you apply, claim your discount

with Corporate ID: NACUC_ZZM. Please note: To receive the Sprint Credit Union Member Discount, both new and existing Sprint customers must verify credit union membership. Members can do this through the Invest in America app, or by filling out a Verification Form. Forms can be faxed or uploaded. Learn more on how to verify your credit union membership.

Sprint Discount thru “Invest in America”

Like Spring, Life Re-Sets Itself SometimesMake Sure Your Contact, Beneficiary Info is Current!

SAVINGS RATES as of 4-15-14 Rate APY* Share Savings Account .05% .05%$50.00 - $9,999.99Christmas Club Account .05% .05%$50.00-$9,999.99

Share Certificates (CDs) Minimum Balance Rate APY*6 month $1000 .30% .300%12 month $1000 .50% .501%24 month $1000 .85% .853%*Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the date indicated. Certificate rates remain fixed for the term of the certificate, unless otherwise paid. Dividends will be credited to your account and compounded monthly. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have questions or need current rate information on your accounts, call 724-652-5783 or 800-790-5250. Disclosures are available upon request. Federally insured by NCUA. All rates subject to change any time without notice.

LOAN RATES as of 4-15-14Type of Loan APR* as low as Term in MonthsPersonal/Signature up to $2,000 5.25% 24 Personal/Signature up to $5,000 7.25% 60 Share Secured Loan 3% Above Share Dividend variesHome Equity Loans 3.49% 5-7 Years Home Equity Loans 3.99% Up to 10 YearsHome Equity Loans 4.50% Up to 15 Years

New & Used Car, Truck, Van and MotorcycleVehicle Loan ’14-’12 Models 2.49% 36-60 months Vehicle Loan ’14-’12 Models 2.79% 61-72 months

Used Car, Truck, Van and MotorcycleUsed Vehicle Loan ’11-’10 Models 2.69% 60 monthsUsed Vehicle Loan ’11-’10 Models 2.99% 72 monthsUsed Vehicle Loan ’09-’08 Models 3.29% 60 monthsUsed Vehicle Loan ’09-’08 Models 3.69% 72 monthsUsed Vehicle Loan ‘07-06 Models 3.99% 36 monthsUsed Vehicle Loan ‘07-06 Models 4.99% 48 months

Recreational Vehicles (RVs Motor Homes, Campers, ATVs)New: 2014-2010 5.50% Used: 2009 or older 7.50% varies

Mobile Homes 12.00% varies

*Annual Percentage Rate. All loans subject to credit approval terms. All rates subject to change without notice. Loan rates are determined by personal credit history and term of loan. Contact GNCFCU staff for more information about applicable fees and terms.

Financial Tip$Tips

As this long winter ended and we welcomed spring, did you only focus on cleaning your home? What about finances? Now is a great time to “spring clean” your financial clutter and start the summer season on a sound foot. Here are a few tips:1. Visit the credit union to see about lowering debt! Are you spending more than you have to on high-interest credit cards and loans? Check out our low-interest rate VISA, our HELOC, our balance transfer offers, refinancing an auto loan from another institution and much more.

2. Check your credit report! When was the last time you looked over your credit score? What if you have a glaring error – or worse, identity/credit fraud – but didn’t know it? Don’t procrastinate! You can receive one free copy of your credit report annually with each of the three credit reporting agencies – TransUnion, Equifax and Experian – by going to annualcreditreport.com (NOT freecreditreport.com) , authorized by Federal law. Try requesting your report from a different agency every four months, not from all three agencies at once, so you have the year covered for free.

3. Start planning a budget. You always said you need to get on a budget but never do. Spring is the time to start anew! And with technology, it’s easier than ever to see how you’re spending and where. Many credit cards offer these stats online.

4. Use Your GNC Credit Union Website for easy access and helpful tools! Have you seen all that you can do online at gncfcu.com? Make life and saving easier by bookmarking the CU website and making it a habit to use our Tools & Benefits page, check out what’s new on the Products & Services section and have quick access to our Home Banking, financial calculators, contact e-mail, monthly newsletters and more!

AnnuAl Meeting Overview Thanks to everyone who attended our Annual Meeting on Saturday, March 8th at Tanner’s Restaurant & Banquet Facility. The credit union had another successful year in 2013, and here are a few key statistics of our performance:

2012 2013TOTAL ASSETS $75,820,002 $72,458,654LOANS OUTSTANDING 21,790,560 24,041,764DIVIDENDS PAID 450,930 272,563NET INCOME 582,596 545,145MEMBER SHARES 42,376,216 44,282,817NUMBER OF MEMBERS 11,704 11,801

The EasTEr Bunnyvisit to GnC was

a big hit!

Spring-Clean Your Finances with These Helpful Tips