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Federally insured by NCUA

Smart Money for College StudentsTaking those first financial steps is easier at NEFCU

Heading off to college brings exciting opportunities, as well as new responsibilities. If you’ve got a new college student in your house, NEFCU is the ideal partner to help them establish sound financial habits. Our approach is simple: we make managing money a positive experience, not a chore. Here’s how:

• Fee-free Checking & Savings Opening an account with NEFCU is

easy and it’s the first step to accessing everything the credit union has to offer. There’s no monthly fee on our SimplySmarter Checking™ account for students under age 25.

• Easy Access to Funds Debit cards are usually the most

convenient way for students to pay, eliminating the need to carry cash or a checkbook. Our CheckMate™ debit card is accepted by merchants everywhere and can also be used to withdraw cash at ATMs across the region and at more than 30,000 ATMs nationwide.

• Secure Money Management Tools Online banking is a powerful way for

students to learn how to manage their money. They can securely monitor balances, set up account alerts, transfer funds (between NEFCU accounts and other financial institutions), pay bills, and more.

• Going Mobile Mobile Banking turns your student’s

smartphone into a financial tool. It’s easy to check available balances, transfer funds, deposit checks, and even pay bills.

• Establishing Good Credit NEFCU’s Explorer VISA� card might

just be the smartest way for young people to establish good credit habits. With minimal fees and low interest rates, a NEFCU Explorer VISA card easily beats most national credit cards.

• Borrowing Power Obviously, college can also bring

financial challenges. As NEFCU members, you and your student can take advantage of low-interest NEFCU loans to cover extra costs from books and supplies, to tuition or living expenses.

• Spending and Saving Managing money wisely is a skill, and

NEFCU’s Financial Counselors can help your student develop good habits right out of the gate. This free service can help students create a budget and learn how to stay on top of their finances as needs and circumstances change.

To open an account or to learn more about getting your student started at NEFCU, visit us at nefcu.com, stop by a branch, or call 800-400-8790.

J U L Y 2 0 1 6SHRED FEST™SAVE THE DATE!

NEFCU will hold the second of three FREE Shred Fests on Saturday, July 16, from 9 am to 1 pm at our 141 Harvest Lane office in Williston. For the July event we’ll once again be offering the Electronics Recycling and Hard Drive Destruction (ONLY accepting the following items: desktop computer towers, server computer towers, laptop computers, hard drives).

GREAT ESCAPE DISCOUNT TICKETS

Save money on your next trip to the Great Escape and Splashwater Kingdom in Lake George, New York. NEFCU members can buy a general use ticket for just $34.60! Kids 2 and under are free. Stop by a NEFCU branch today. Note: Great Escape charges a daily parking fee which is not included in the ticket price. Tickets are non-refundable. No returns or exchanges.

Smartwatch Banking Apple Watch and Android Wear users can now check balances, view recent transactions, and locate nearby ATMs or branches with a flick of the wrist, without logging in to the app. This functionality requires Quick Balance to be enabled.

To enable Quick Balance for your Smartwatch:

Make sure our NEFCU Mobile App is up to date

Log in to your account

Depending on your operating system, go to More > Settings > Quick Balance > Apple Watch or Android Wear

Turn on Quick Balance

When enabling Quick Balance, Apple Watch users will also see the option to rearrange the account order. The first account listed in the account list will be

used in the “Glance” view.

For uninterrupted service, you will need to login to the NEFCU Mobile App every 30 days. If you have not logged in, you will be prompted to do so in order to continue use of Quick Balance from your Smartwatch.

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Seminarsat nefcu

HOME ENERGY AUDIT - SHOULD YOU GET ONE?

Tuesday, July 12

These seminars will be held at NEFCU, 141 Harvest Lane, Williston unless otherwise stated. Seating is limited and reservations are required. All seminars are from 5:30-7 pm unless otherwise stated. Register at nefcu.com or call 800.400.8790.

Quick BalanceWith Quick Balance, you can view your account balances and most recent transactions without logging in to online banking. Once enabled, you simply swipe down on the login screen to view your current and available balances, along with the five most recent transactions for each account. To perform any other functions, including transfers, a valid login is still required.

To enable Quick Balance for your device:

Make sure your NEFCU Mobile App is up to date

Log in to your account

Go to More > Settings > Quick Balance > Current Device

Turn on Quick Balance

Note: Quick balance must be enabled on each device individually. When enabled, any user of the device will be able to access balance and recent transaction information. For your privacy, consider protecting your device by using the auto-lock feature and strong access controls.

How to Fund Your Next Car or TruckThere’s a reason summer is a popular time to purchase a new vehicle. Auto dealers often offer good deals, especially as they clear their lots for new models that begin appearing in late July. But smart auto shoppers realize that dealer “deals” often don’t extend to financing. If you’re in the market for a new vehicle, it pays to research your funding options just as you would examine your vehicle choices. NEFCU is the area’s #1 local auto lender because we offer great rates AND we make the loan process quick and easy. There are three ways to get started:

1. Apply online at nefcu.com2. Call Loan Phone at 866-80-LOANS 3. Ask for NEFCU financing at many local dealerships

With NEFCU financing in hand, you’ll know what you can afford and you’ll be in a stronger position to get a great deal. Want to learn more about car buying? Visit our auto shopping website at nefcu.com/carbuying – everything you need to be a car-buying pro is there.

Mobile Banking just got easier! With Quick Balance and Smartwatch Banking

NEW TO MEDICARETuesday, August 9

Transfer Money to another MemberIntroducing Intra-Institution Transfers on NEFCUOnline

With intra-institution transfers, you can now use NEFCUOnline to conveniently and securely transfer money to another member.

To get started, just go to Move Money > Send money to a member or click on any of the Add Recipient links within the Move Money transfer screens. To establish a connection, your recipient needs to be a NEFCU member and have a checking or savings account with us.

Once a recipient has been saved successfully, you can proceed with making the transfer. Currently, only one-time transfers are supported. In subsequent online banking sessions, you will always find the previously added recipient in the To account dropdown on the Move Money transfer screen.

There is no limit on how many recipients can be added. You can also remove a recipient at any time by going to Move Money > Manage Transfer Destinations.

Note: You may need to tap “Refresh” on the watch to begin seeing balances.

I N S U R E . I N V E S T. R E T I R E .

Available through CUSO Financial Services, L.P. (Member FINRA/SIPC)

Estate planning isn’t just for retirees. Start preparing today.

Let us help. Speak with a CFS* Financial Consultant today.

Jonathan WhitehouseFinancial ConsultantCUSO Financial Services, L.P.

whitehouse.cfsinvest@nefcu.com802-764-2626 • 800-400-8790

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. New England Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. CFS and its Registered Representatives do not provide tax or legal advice. For such advice, please consult with a qualified professional. 1447_CSIJ76075096-00R

Scott M. HinmanFinancial ConsultantCUSO Financial Services, L.P.

hinman.cfsinvest@nefcu.com802-879-8792 • 800-400-8790

Thursday, April 28 * 5:30-7 PM NEFCU, 295 Tuckers Way, St. Albans