: Money Talk :
Monthly newsletter for OFCU members

JULY 2009

Notice: Late Payment Fee
Effective February 1, 2009, the late fee for consumer loans (excludes real estate) will be $20 for any payment received 10 days past the payment due date.

High Fees Weighing You Down?

Switch To OFCU FREE* Checking
Are you tired of paying fees and charges on your Checking Account at another fi nancial institution? If you are like a lot of people, saving money is probably at the top of your priority list right now. Switch to OFCU’s FREE Checking today and start saving more money!

With OFCU FREE Checking You Get:

• No monthly service fee
• FREE special share drafts (checks)
• FREE VISA Debit/ATM Card
• No-fee American Express Travelers Cheques
• Unlimited check writing
• FREE Online Account Access
• FREE Telephone Account Access
• Overdraft protection from savings or loan
• Pre-authorized withdrawal for recurring payments
• No foreign ATM charges
• Courtesy Pay**

*Free checking available on accounts with a minimum $1,000 balance. **Courtesy Pay available to qualifi ed members

Low-Rate Auto Loans

Rates as low as 5.25%APR.* Terms up to 60 months. Other rates and terms available

Take Advantage Of Tax Savings - Buy Now
If you buy a new car, light truck, SUV, motorcycle or motor home during 2009 you may qualify to deduct the state sales or excise tax, even if you don’t itemize your deductions.**

Refinance Your Auto Loan At OFCU And Save
Refinancing your auto loan from another financial institution might save you hundreds of dollars in interest and payments. Why pay more when you can save money at OFCU? We make applying for a loan simple and stress free. If you are paying a high rate at another financial institution, stop by OFCU today to refinance.

NEW - Extended Warranties
Extended warranties are now available on all new and used vehicle loans at OFCU. Be sure to take advantage
of this great offer: no deductible on any plan, nationwide coverage, 30-day money back guarantee, emergency roadside service, plus more!

Indirect Lending
Shop On The Lot And Finance With OFCU

You can apply for OFCU fi nancing on-the-lot when you shop at one of our participating dealers. You’ll get the same great rate you would get if you applied for the loan at our office. It’s that simple.

Participating Dealers

Family Fun Starts At OFCU This Summer

Summer is here! That means long, lazy days by the pool, cookouts, and of course, vacation. At OFCU, we believe summer is a very special time for you and your family.

The memories you make now are priceless and will last a lifetime.

While a trip to the Caribbean might be your dream vacation, you don’t have to travel far from home to enjoy a great trip. How about a camping trip to an area State Park? A great vacation might be closer than you think. Wherever you are headed this summer, we can help get you there.

Vacation Loan - Qualified members can borrow up to $2,500 at rates as low as 8%APR* with a 12 month term.

VISA Credit Card - Save money with our low fixed rate and no annual fee. VISA is one of the most widely used cards in the world for travel, shopping and cash. If you don’t have one of our cards, or would like to apply for an increase in your line of credit, call us today.

Discount Amusement Park Tickets - Purchase tickets to area amusement parks in advance at your Credit Union and save. A trip to one of the parks is a day of fun for the entire family, with great rides, food and games. Call the Credit Union for a current list of parks and prices.

*Annual Percentage Rate. Effective July 1, 2009 and subject to change. Must meet credit requirements. Actual rate determined by credit score.

Back-To-School Loans

From backpacks and lunchboxes to uniforms and tuition, school can be expensive. That’s why we are happy to give you a helping hand with all your educational expenses. Simply take advantage of our Back-To-School Loan and
apply today!

Rates as low as 8%APR*
Borrow up to $2,500 12 month term

*Annual Percentage Rate. Effective July 1, 2009 and subject to change. Must meet credit requirements.
Actual rate determined by credit score.

Applying For A Loan Is Simple At Our Branch Locations
No need to drive to our Main Office to apply for a loan! The process is simple and convenient at our branch
locations. Just stop by one of these branches the next time you need a loan*.
• 1208 Triplett Street in Owensboro
• 1412 Chelsa Drive in Madisonville.

Home Equity Line Of Credit: Take Advantage Of Tax Savings

If you need money for home improvements,
now is the time to get a Home Equity Line of Credit at OFCU. You may qualify for a tax credit*, up to 30%, on certain home improvements such as energy-efficient skylights, windows and outer doors, along with energy-saving water heaters, central air conditioners and biomass stoves.
Plus, the interest on the loan may be tax deductible.*

*Consult your tax advisor

OFCU VISA: Transfer Balances And Save!

If you’ve been using other cards that charge high rates and fees, switch to an OFCU VISA Credit Card and save. Take advantage of our low rate to transfer balances from other higher rate cards or loans to an OFCU VISA when you open a new account.

Your OFCU VISA is the only card you’ll need! There’s no annual fee and a 25-day grace period on purchases.

If you don’t have one of our cards, or would like to apply for an increase in your line of credit, call us today.

Switch To FREE Checking* At OFCU
Hurry, get a FREE gift♦ when you open a new checking account by April 30!

Are you tired of paying fees and charges on your Checking Account at another fi nancial institution? Now is the time to switch to OFCU and save. Check out all the great savings and benefi ts you’ll enjoy:

• No monthly service fee
• FREE special share drafts (checks)
• FREE VISA Debit/ATM Card
• No-fee American Express Travelers Cheques
• Unlimited check writing
• FREE Online Account Access
• FREE Telephone Account Access
• Overdraft protection from savings or loan
• Pre-authorized withdrawal for recurring payments
• No foreign ATM charges
• Courtesy Pay**

*Free checking available on accounts with a minimum $1,000 balance. **Courtesy Pay available to qualifi ed members.

♦ While supplies last.

Summer Fun Starts At OFCU

Vacation Loan
Dreaming about a fabulous vacation? Whether you plan to take a romantic cruise or the entire family to Disney World this summer, your Credit Union can help get you there. Qualified members can borrow up to $2,500 at rates as low as 8%APR* with a 12 month term.

Discount Amusement Park Tickets

Purchase tickets to area amusement parks in advance at your Credit Union and save. A trip to one of the parks is a day of fun for the entire family, with great rides, food and games. Call the Credit Union for a current list of parks and prices. Tickets will go on sale in May.

Holiday Closings

Memorial Day, Monday, May 25
Independence Day, Friday, July 3