It’s our way of saying “Thank You” for giving HEFCU repeat loan business!

In This Issuen President’s Messagen Scorecardn E-Closingsn Don’t Let Your Account Go To The State!n 5/5 ARM Mortgage Programn And More

A Quarterly Publication For Members Of Healthcare Employees Federal Credit Union

Fall 2014

Welcome New SEGs!

HEFCU would like to welcome the following new Select Employer Groups

(SEGs) to our credit union family:

AIA Credentialing & Consulting Services

Kasefa Care, LLC

Robert Wood Johnson University Hospital at Somerset

Ask About Our ¼% Loan Loyalty Discount Program!

Holiday ClosingsLabor Day ...................... Monday, September 1, 2014

Thursday, Oct. 30, 2014 .....Opening late at 10:30 am

Thanksgiving .............Thursday, November 27, 2014 ........................................... Friday, November 28, 2014

Friday, Dec. 12, 2014 ................ Closing early at noon

Christmas ...................Thursday, December 25, 2014 ........................................... Friday, December 26, 2014

New Year’s Day ................Thursday, January 1, 2015

If you have a HEFCU loan in good standing – either a current loan or a loan that has been paid off in the last 18 months – you can enjoy a ¼% discount on your next HEFCU loan. The discount applies to current loan rates in effect at the time you apply for the new loan. The discount applies to Fixed Rate Home Equity Loans, Auto Loans and Personal Loans, excluding refinances of existing HEFCU loans.

Ask a loan representative today if you qualify for this program.

Limited Time Offer, now through October 31, 2014!

Happy Holidays!The Staff and Board of Directors at HEFCU would like to wish you and your family a happy, safe and joyous holiday season.

No matter what your holiday plans are, HEFCU is here for you. With toll-free 24-hour bank-by-phone, Online Banking and more, your accounts are only a call or click away seven days a week, 24 hours a day!

We hope you have a happy and healthy new year! We look forward to another great year.

President’s MessageDear Member,This is an exciting time for your Credit Union. We will be celebrating our 30th anniversary in December 2014. As a way to show our appreciation we will be offering the following loan specials at this time:l New and Used Auto Loans starting as low as 2.34% (can also be used to refinance loans you may have elsewhere); we urge you to shop and compare our rates as we believe we are the most competitive in the industry – terms up to 7 years!l Fixed Rate Home Equity Loans starting as low as 2.49%; we urge you to shop and compare as we believe we are the most competitive in the industry. l We have FAST closings on our loans by offering electronic delivery of documents and E- signatures!!l For our members that currently have (or recently paid off a HEFCU Loan) we are now offering ¼% off our loan rates! Our loan loyalty discount program is the best in the industry! Here are some Statistics of importance and which we are extremely proud of: l We now have over $100,000,000 in assets with a Capital Level considered well capitalized by our regulators.l Our Loan growth over the past 2 years places us in the top 1% of credit unions in our asset range! During 2014 HEFCU has issued over 10 million dollars in new loans! The reason is clear - we are the #1 choice of our members when the time comes to borrow! If you are in the market for a loan (of any kind) we are there to help; our rates are extremely low and will not be available for much longer. Don’t wait! If you haven’t joined our Holiday Club Program, October is an excellent opportunity to save money. On behalf of our Board of Directors and Staff we appreciate your loyalty and trust in HEFCU and will continue in our quest to provide you with financial solutions for life.

Respectfully,

John J. Dawidowski Chief Executive Officer

HEFCU ScorecardHere’s how we’ve done in the past few months:

Category: 31-July-14 31-May-14 Deposits ............................$91,794,033 ..........$92,653,290 Loans ................................$53,589,367 ..........$52,543,397 E-Statement Users ......................8,024 .....................7,941 Checking Accounts ......................3,232 .....................3,185 Capital ................................$7,622,892 ............$7,612,897

Annual Meeting NoticeThe Healthcare Employees Federal Credit Union

Annual Meeting will be held on Thursday, December 18, 2014 at approximately 2:00 pm at our main office

in Princeton. We hope to see you there!

Holiday Club Maturity NoticeHoliday Club Accounts will mature on October 1, 2014. The account balance will be transferred into your Primary Savings Account and will be available that day.

Withdrawals can be made by ATM, our 24-hour bank-by-phone service or visiting one of our convenient Shared Branch locations. Holiday Club Accounts automatically renew for next year with your next payroll deduction after October 1, 2014.New enrollments are always welcome any time! If you didn’t open a Holiday Club Account last year, now’s the time to open one for next year. Making regular deposits throughout the year into this account is a great way to save money for your holiday shopping next year. Call or stop by the credit union to open yours today!

E-ClosingsDid you know that HEFCU now offers electronic closings on our Auto and Personal Loans? Your

loan can be approved and closed on the same day!

We hope you take advantage of this convenient service offered by HEFCU.

Don’t Let Your Account Go To The State!Did you know that if a checking or savings account remains inactive for three years, New Jersey state law requires that the funds in it be transferred to the State? HEFCU members will be notified on an annual basis if their account is subject to the New Jersey Escheat Law.

Effective October 31, 2014, HEFCU members whose accounts are transferred to the State of New Jersey will be assessed an NJ Escheat Processing Fee of $50. It’s easy to safeguard your money! Help protect your account by simply making a deposit or withdrawal once during the three years or notifying us in writing that you acknowledge the existence of your HEFCU account.

For more information on whether your funds (or family members’ funds) are being held by the State of New Jersey (or another state) visit www.unclaimed.org today.

Why Throw Away Your Money?Save With Sprint!Join the 1 million credit union members nationwide that are already saving over $74 million on their wireless plans! HEFCU is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.

Ways you can save:n 10% OFF most regularly priced Sprint individual service plansn 5% OFF most regularly priced Sprint business service plansn Waived activation fee on new activationsn Waived upgrade feen Available to new and existing Sprint customers

Enjoy the perks, benefits and exclusive discounts that only credit union members like you can receive.

3 Ways to Get Your Discount:n Call 877.SAVE.4CU (877.728.3428) and let them know you’re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save.n Click www.SprintSave4CU.comn Visit your nearest Sprint store

What are you waiting for? Start saving today!

FEE SCHEDULE Effective October 31, 2014

ATM Fees ATM Card Replacement $ 5.00 Balance Inquiry (non-HEFCU ATMs) $ 0.50 Copy of PIN # $ 5.00 Denied ATM/Debit Card Transactions incl. POS (non-HEFCU ATMs) $ 1.00 HEFCU Owned ATM Fees $ .00 International ATM Transaction Fee 1% of Transaction Amount Withdrawals (non-HEFCU ATMs) $ 1.50 STAR® ATM Only Cardholder Fee (monthly) $ 1.00

Checking Account Fees Closed Account (Abuse) $10.00 Copy of Check $ 3.00 Courtesy Pay Fee (per item) $30.00 Non Sufficient Funds - NSF (per item) $30.00 Overdraft Coverage (per item) $ 2.00 Stop Payment (per item) $15.00 Stop Payment (range) $25.00

IRA Account Fees Annual Fee $15.00 Closed or Transferred Account $35.00

Loan FeesCancellation or Denial (per applicant) $ 5.00 Credit Card Replacement $ 5.00 Home Equity Loan Application Call Credit Union Home Equity Loan Reimbursement Fee $500.00 Home Equity Subordination Fee $100.00

Other Fees ACH – Outgoing $ 5.00 Bad Address (monthly) $ 5.00 Certified Mail $ 6.00 Copy of Account Statement (per statement cycle) $ 5.00 (available for most recent 6 years only) Copy of Check $10.00 Dormant Account (monthly) - charged on accounts with no activity $ 5.00

for more than 1 year and Relationship Balance less than $1,000)Federal Express $30.00 Federal Express (Saturday) $40.00 Levies $30.00Low Balance (monthly) - charged on accounts open more than 1 $ 5.00

year and Relationship Balance less than $100Money Order $ 3.00 NJ Escheat Processing Fee $50.00 NSF Preauthorized ACH Debit $30.00 Request to have check mailed (under $100.00) $ 5.00 Excessive Withdrawal Fee Savings and other non-club accounts (excluding IRA/CDs) $ 5.00

(for each withdrawal in excess of 4 per calendar quarter) Club Accounts (Holiday/Vacation)** $ 5.00

(for each withdrawal in excess of 1 per calendar quarter) Shared Branching Convenience Fee $ 2.00 Account Research/Reconciliation $25.00 Returned Check $30.00 Returned Statement $ 5.00 Paper Statement Fee $ 1.50 (for each periodic paper statement cycle date) Stop Payment (HEFCU Issued Check) $10.00 Wire – Outgoing $25.00

Subject to Change Without Notice.

FEE SCHEDULE Effective October 31, 2014

ATM Fees ATM Card Replacement $ 5.00 Balance Inquiry (non-HEFCU ATMs) $ 0.50 Copy of PIN # $ 5.00 Denied ATM/Debit Card Transactions incl. POS (non-HEFCU ATMs) $ 1.00 HEFCU Owned ATM Fees $ .00 International ATM Transaction Fee 1% of Transaction Amount Withdrawals (non-HEFCU ATMs) $ 1.50 STAR® ATM Only Cardholder Fee (monthly) $ 1.00

Checking Account Fees Closed Account (Abuse) $10.00 Copy of Check $ 3.00 Courtesy Pay Fee (per item) $30.00 Non Sufficient Funds - NSF (per item) $30.00 Overdraft Coverage (per item) $ 2.00 Stop Payment (per item) $15.00 Stop Payment (range) $25.00

IRA Account Fees Annual Fee $15.00 Closed or Transferred Account $35.00

Loan FeesCancellation or Denial (per applicant) $ 5.00 Credit Card Replacement $ 5.00 Home Equity Loan Application Call Credit Union Home Equity Loan Reimbursement Fee $500.00 Home Equity Subordination Fee $100.00

Other Fees ACH – Outgoing $ 5.00 Bad Address (monthly) $ 5.00 Certified Mail $ 6.00 Copy of Account Statement (per statement cycle) $ 5.00 (available for most recent 6 years only) Copy of Check $10.00 Dormant Account (monthly) - charged on accounts with no activity $ 5.00

for more than 1 year and Relationship Balance less than $1,000)Federal Express $30.00 Federal Express (Saturday) $40.00 Levies $30.00Low Balance (monthly) - charged on accounts open more than 1 $ 5.00

year and Relationship Balance less than $100Money Order $ 3.00 NJ Escheat Processing Fee $50.00 NSF Preauthorized ACH Debit $30.00 Request to have check mailed (under $100.00) $ 5.00 Excessive Withdrawal Fee Savings and other non-club accounts (excluding IRA/CDs) $ 5.00

(for each withdrawal in excess of 4 per calendar quarter) Club Accounts (Holiday/Vacation)** $ 5.00

(for each withdrawal in excess of 1 per calendar quarter) Shared Branching Convenience Fee $ 2.00 Account Research/Reconciliation $25.00 Returned Check $30.00 Returned Statement $ 5.00 Paper Statement Fee $ 1.50 (for each periodic paper statement cycle date) Stop Payment (HEFCU Issued Check) $10.00 Wire – Outgoing $25.00

Subject to Change Without Notice.

FEE SCHEDULE Effective October 31, 2014

ATM Fees ATM Card Replacement $ 5.00 Balance Inquiry (non-HEFCU ATMs) $ 0.50 Copy of PIN # $ 5.00 Denied ATM/Debit Card Transactions incl. POS (non-HEFCU ATMs) $ 1.00 HEFCU Owned ATM Fees $ .00 International ATM Transaction Fee 1% of Transaction Amount Withdrawals (non-HEFCU ATMs) $ 1.50 STAR® ATM Only Cardholder Fee (monthly) $ 1.00

Checking Account Fees Closed Account (Abuse) $10.00 Copy of Check $ 3.00 Courtesy Pay Fee (per item) $30.00 Non Sufficient Funds - NSF (per item) $30.00 Overdraft Coverage (per item) $ 2.00 Stop Payment (per item) $15.00 Stop Payment (range) $25.00

IRA Account Fees Annual Fee $15.00 Closed or Transferred Account $35.00

Loan FeesCancellation or Denial (per applicant) $ 5.00 Credit Card Replacement $ 5.00 Home Equity Loan Application Call Credit Union Home Equity Loan Reimbursement Fee $500.00 Home Equity Subordination Fee $100.00

Other Fees ACH – Outgoing $ 5.00 Bad Address (monthly) $ 5.00 Certified Mail $ 6.00 Copy of Account Statement (per statement cycle) $ 5.00 (available for most recent 6 years only) Copy of Check $10.00 Dormant Account (monthly) - charged on accounts with no activity $ 5.00

for more than 1 year and Relationship Balance less than $1,000)Federal Express $30.00 Federal Express (Saturday) $40.00 Levies $30.00Low Balance (monthly) - charged on accounts open more than 1 $ 5.00

year and Relationship Balance less than $100Money Order $ 3.00 NJ Escheat Processing Fee $50.00 NSF Preauthorized ACH Debit $30.00 Request to have check mailed (under $100.00) $ 5.00 Excessive Withdrawal Fee Savings and other non-club accounts (excluding IRA/CDs) $ 5.00

(for each withdrawal in excess of 4 per calendar quarter) Club Accounts (Holiday/Vacation)** $ 5.00

(for each withdrawal in excess of 1 per calendar quarter) Shared Branching Convenience Fee $ 2.00 Account Research/Reconciliation $25.00 Returned Check $30.00 Returned Statement $ 5.00 Paper Statement Fee $ 1.50 (for each periodic paper statement cycle date) Stop Payment (HEFCU Issued Check) $10.00 Wire – Outgoing $25.00

Subject to Change Without Notice.

What makes credit unions so great?

YOU, the members.

LOCATIONSMain Office:

29 Emmons Drive, Suite C 40 Princeton, New Jersey 08540

Phone: (609) 951-0700 Toll-free: 1-800-624-3312

Fax: (609) 275-4194Hours:

Monday – Friday 8:30 AM - 4:30 PM

Mailing Address For Correspondence: 29 Emmons Drive, Suite C 40

Princeton, NJ 08540Mailing Address For Remittance:

(deposits/loan payments) HEFCU

P.O. Box 826336 Philadelphia, PA 19182-6336

Call-24 (24-Hour Bank-by-Phone): 1-800-551-3001

www.hefcu.com

Shared Branch Locations Visit www.hefcu.com

ATM LOCATIONSCapital Health Systems

Fuld Division Hopewell

Cathedral Health System St. Michael’s Medical Center

Princeton Healthcare System University Medical Center of Princeton at Plainsboro

Raritan Bay Medical Center Old Bridge Division

Perth Amboy DivisionRobert Wood Johnson

University Hospital Hamilton (2)

New BrunswickBarnabas

Healthcare System Clara Maass Medical Center

Newark Beth Israel Medical Center

©2014 Membership Marketing Support Services

HEFCU Change Of Address FormName New Phone #

Account Number S.S. #

Old Address

New Address

E-mail Address

Signature Date

Change Of AddressIf you have changed your address and not informed the credit union, please complete this form and fax

it to (609) 275-4194 or mail it to: HEFCU, 29 Emmons Drive, Suite C 40, Princeton, NJ 08540. A copy of the Primary Member's Driver's License must accompany this form.

#

If You Love The Credit Union, Get The Word Out!Go and tell your family and co-workers all about the credit union!

Let your parents, spouse, children, siblings, grandparents, grandchildren, and co-workers know all about HEFCU’s competitive rates on savings and investment accounts, low loan rates, few fees, convenient and online services, and more.

Go to www.hefcu.com for applications today.

As rates increase, our members are realizing that the initial low rate offered by an adjustable rate mortgage can help them save substantially. In response, for a limited time we are offering you a 5/5 ARM . Contact us today to learn how this unique product can provide you a lower rate, increase your purchase power, and help you reach your financial home buying goals.

Why Choose A 5/5 Adjustable Rate Mortgage? Great Low Rates—

roughly 1 to 2 % bet-ter than other prod-ucts.

Adjustment is limited to 2% every five years, with a lifetime maximum adjustment cap of 5%.

Improve your Purchase Power

Refinance for a Lower Monthly Payment! This is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and

terms are subject to change without notice. Home loans are provided by partnership with CU Members Mortgage a division of Colonial Savings, F.A. NMLS#401285.

5/5 ARM HOME LOAN Lower Rates | Adjus ts Every 5 Years | Bu i ld Equ i ty Fas ter

609-951-0700 | www.hefcu.com

Act Now!

Limite

d Fund

s Ava

ilable As rates increase, our members

are realizing that the initial low rate offered by an adjustable rate mortgage can help them save substantially. In response, for a limited time we are offering you a 5/5 ARM.

Why Choose A 5/5 Adjustable Rate Mortgage? l Great Low Rates - roughly 1 to 2% better than other products.

l Adjustment is limited to 2% every five years, with a lifetime maximum adjustment cap of 5%.

l Improve your purchase power.

l Refinance for a lower monthly payment.

5/5 ARM HOME LOANLower Rates l Adjusts Every 5 Years l Build Equity Faster

Contact us today to learn how this unique product can provide you a lower rate, increase your purchase

power, and help you reach your financial home buying goals.

Call a Mortgage Representative Today! 1-800-635-7128