HOURSMonday - Friday:

8:30 a.m. - 4:00 p.m.

MEMBER TELEPHONE SERVICE516-938-4077

LOCATIONS777 Old Country Road Plainview, NY 11803

516-938-0300 Fax: 516-938-0311

1490 Franklin Avenue Mineola, NY 11501

516-573-7260 Fax: 516-573-7009

WWW.NCPDFCU.ORG

Inside This Issue:Message from the CEO

Signature Loans

Auto Loans

Save Money

Bulletin Board

Transfer Balances to NCPD

Bulletin SERVING NCPD MEMBERS AND THEIR FAMILIES SINCE 1940

LIVIN’ THE DREAMWhat's in Your Dream Home?Most of us started imagining our dream home when we were kids – with “musts” ranging from an indoor pool to an elevator! Unless you have an unlimited budget, here are some questions to help you determine your realistic priorities today:

• Are you willing to do extra renovations?• How will certain features, like old plumbing and wiring or large square

footage, affect your home insurance costs?• Do you need special features, like limited stairs or a guest room?• Do you have easy access to what you need in the area?• What can you comfortably afford?

Once you’ve identified your requirements and found the dream home to match, NCPD FCU is here to make “living the dream” a reality. Talk to a Mortgage Loan Officer today for more information.* APR=Annual Percentage Rate and is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ. Rate is subject to change. See Credit Union for details. NMLS #412042

Discover the Credit Union Advantage

WINTER 2018

Mortgage rates as low as 3.00% APR*

Federally Insured by NCUA

Great rates

Low fees

easy appLication process

www.ncpdfcu.org • 516-938-0300

Plainview777 Old Country Road516-938-0300

Mineola1490 Franklin Avenue516-573-7260

3.00Mortgage

rates as low as

*APR = Annual Percentage Rate and is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ. Rate is subject to change. See Credit Union for details. NMLS #412042

Found your dream home? Let us help you make it a reality. Our great rates, low fees, and easy application process will help you achieve your home ownership dreams!

Speak to a Mortgage Officer today for more information.

Home Sweet Home

Message from the CEO

As a new year begins, it makes everyone feel like getting a fresh start in some way or another. So it seems particularly fitting that we will soon unveil a complete refresh of our website, scheduled to launch in the first quarter of 2018.

While we’re excited to show you a new design that will make our site more aesthetically pleasing, the improvements go beyond that. Our main goal is to offer you a more user-friendly experience – to make the site more intuitive and easier to navigate so you can quickly find what you’re looking for.

We’re also factoring in your busy, on-the-go schedule by redesigning the site to automatically fit the device you’re using. This means that whether you’re visiting www.ncpdfcu.org from your laptop, tablet or mobile phone, the content will adjust to the appropriate screen size for easy viewing and navigation.

While we’re on the topic of fresh starts, remember that NCPD FCU is here for all of your financial resolutions. We can help you save more money or consolidate your debt for greater financial health in 2018. And we can also help you get that bigger car for your growing family, move into a new home with the three-car garage you always wanted, add a bathroom so you don’t have to share with your teenager – you name it! We offer some of the most competitive loan rates you’ll find because serving your best interests is our top resolution.

On behalf of all of us at NCPD FCU, I wish you a happy, healthy 2018!

Sincerely,

Peter J. DittkoChief Executive Officer

NEW YEAR, NEW BEGINNINGSWith Signature Loans up to $30,000The holiday season comes and goes, but holiday debt can linger all year. With the help of an NCPD FCU signature (a.k.a., personal) loan, you can start the New Year right and keep those financial resolutions by consolidating your debt. Instead of juggling payments for multiple high-rate loans and department store credit cards, you’ll enjoy the ease and savings of one low-interest payment.

An NCPD FCU signature loan offers:

• Up to $30,000 for a wide variety of needs • Up to eight years for repayment, with no prepayment

penalties• A monthly payment that stays the same over the life of

the loan• An easy loan process – your signature is as good as cash!

Call or visit us so we can help you decide if this is the best course of action for you.* APR=Annual Percentage Rate and can vary based on terms of the loan. Rate is subject to change. See Credit Union for details.

IF IT’S IMPORTANT TO YOU, IT’S IMPORTANT TO US.

7.75% Variable APR*fixed payment

Bulletin Board

Holiday ClosingsAnd the winner is...Congratulations to Richard Marcovecchio, the winner of last quarter’s contest. Richard’s $25 prize was deposited into his Share Savings Account.

New Year’s Day: Monday, January 1, 2018

Martin Luther King, Jr. Day: Monday, January 15, 2018

Presidents Day: Monday, February 19, 2018

RELIEVE YOUR DRIVING BRRRDENLow-Interest Auto LoansThe winter months can wreak havoc on your car. If you have an older, not-so-reliable vehicle, it would be a huge burden to have it break down in the cold or outright refuse to start. Instead of finding yourself stranded in the snow, it may be time to buy a new vehicle — and NCPD FCU can help.

Whether you fear winter’s effects on your vehicle or it’s just time for a new ride, NCPD FCU has auto loans that can save you much more than other lenders or a 0% financing deal (which isn’t such a deal in most cases). We’re proud to give you some of the best rates around:

New Auto/Motorcycle

3-year - 1.75% APR*

4-year - 1.89% APR*

5-year - 2.00% APR*

6-year - 2.10% APR*

Even if you already have a car in which you are confident, we can still help with a refinance! Give us a call or stop by to take advantage of our low rates and see how much we could save you.* APR=Annual Percentage Rate. Rates shown are as of November 21, 2017, and are subject to change. See current rates at www.ncpdfcu.org.

Get a Head Start on the HolidaysIt’s never too early to plan for the holidays. Save each month with our Holiday Club Account so the money will be there in October – right when you need it most! We make it easy with automatic transfers and direct deposits into the account.

Used Auto

2-year - 1.99% APR*

3-year - 2.19% APR*

4-year - 2.29% APR*

5-year - 2.39% APR*

LOOKING TO SAVE MONEY IN 2018?Check with Us!If you’re trying to figure out where you can cut costs and save money in 2018, check your checking account. Other financial institutions often charge unnecessary fees – but you could set yourself free with NCPD FCU! Ask us about our free checking that could save you hundreds of dollars this year with:

• No minimum balance• No monthly service charges• No per check fee• Free ATM access• First 50 checks free

We know you’re busy, so we’re here to make the switch to an NCPD FCU checking account easy. We can also help you set up direct deposit and payroll deduction. Just give us a call or stop by.

Annual MeetingTuesday,

January 23, 20184:00 p.m.

Plainview Office

7.75% Variable APR*fixed payment

Board of DirectorsPRESIDENT

William McHale

VICE PRESIDENTDevin Ross

TREASURER/SECRETARYDennis Barry

DIRECTORSJohn Berry

Wayne F. Birdsall Tim Mensch

Pat Rail Robert R. Reed

Wayne Hartmann

DIRECTOR EMERITUSEdward H. Proctor

Supervisory CommitteeCHAIRMAN

Anthony Gambino

Lorraine Hannon Matthew McCartin

Edward Schmitt

Credit CommitteeCHAIRMAN

Wayne F. Birdsall

Tim Mensch Robert Reed

AdministrationCHIEF EXECUTIVE OFFICER

Peter J. Dittko

CHIEF FINANCIAL OFFICERWilliam Mackey

CHIEF COMPLIANCE/ OPERATIONS OFFICER

Regina Hassard

COMPLIANCE/OPERATIONS SUPERVISORKaren Allen-Gomez

MINEOLA BRANCH MANAGERBetsy Schwabacher

Office StaffBryan BragmanLisa CiangettiPam CollinsKate Josefak

Robert MakleyValerie MassaroSandra MorrisLinda OakleyAlyson Parr

Laura PellechiaMary Ann SullivanPatricia ToscanoDana Gatterdam

Susan WenzColleen Worrell

E-Z PUZZ ENTRY FORM

G O L O W I N T E R E S T

N B T U H A R A X L K Q B

I N K U L K F G L E L U S

K H I H A F O E H Y L N U

C T E B G P S H G C O X I

E A I X A S E E Y I S U Y

H J E O D A Q A T G N P C

C N T E L T D U N T P Y A

E W B T E I L I Y A J E F

E T H M L O V H H H C F N

R Y M O S A O K G C S L N

F R H E S M Y M V T Z B L

K I R E E Z Y X L R S C O

Enter to win $25 cash! Circle the ten words in the puzzle below. They may appear in the puzzle vertically, horizontally or diagonally. Provide your name, address, phone number and email address in the spaces provided, and then return this form to us by mail or in person by February 12, 2018. All correct entries received will be entered in a prize drawing for $25, which will be deposited into the winner’s Share Savings Account. The winner will be announced in the next Bulletin.

RESOLUTIONS FREE CHECKING HOMEAUTO LESS DEBT LOW INTERESTSAVINGS HAPPY HEALTHYHOLIDAY CLUB

NAME

ADDRESS

PHONE EMAILDetach and return to 777 Old Country Road, Plainview, NY 11803, ATTN: Marketing Department

GET FISCALLY FIT THIS YEARTransfer Balances to an NCPD VisaMany people have physical fitness on their list of resolutions – but what about getting fiscally fit? By moving your high-interest balances from department store and other credit cards over to an NCPD FCU Visa® credit card, you can make your finances stronger than ever.

Tip the scales in your favor with:

• Low, fixed rates (see current rates at www.ncpdfcu.org)• No annual fee• 25-day grace period• ScoreCard® Rewards points for your purchases

Come talk with us about how much you could save with a balance transfer to an NCPD FCU Visa.*APR=Annual Percentage Rate. Listed APR is for Visa Platinum Premium. Rates are subject to change. See Credit Union for details.

As low as

9.95% APR*