Member Services:• Shared Branching• Share Savings• Checking• Home Banking• Online Bill Pay• Remote Deposit• Finance Works• Mobile and Text Banking• E-statements• Money Market Account• IRA Accounts• Direct Deposit• Pre-Authorized Payments• Christmas Club Account• Student Package Account• Student Choice Loans• Payroll Deductions• Personal Loans• Auto Loans (new & used)• Motorcycle & Boat Loans• Home Equity Line of Credit• Home Improvement Loans• Mortgage Loans• Share Secured Loans• Tuition Loans• Certificates of Deposit• VISA® Credit Cards• MasterMoney™ Check Cards• Property and Casualty Insurance• 24 Hour Hot Line• Notary Service• Jake Jr. Account• BFCU Visa® Gift Cards

Volume 20, Issue 3

Fall 2013

BOSTONFIREFIGHTERSCREDITUNION

Inside this issue:President’s Message

Trade In Your Car Loan—Get Lower Rates and 1% Cash Back

Christmas Club Disbursement Changing to Early November

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You work hard for your money, but you shouldn’t have to work hard to manage it.

That’s why BFCU has added so many products and services to make your financial life easier. We’re the worry-free, one-stop shop for all your banking needs.

Simple—simplify your life with these free services:

• Home Banking• Online Bill pay• Mobile & Text Banking*• Mobile & Remote deposit• BFCU iPad App• Shared Branching• ATM networks

Honest—straightforward terms and conditions on loans and deposit accounts with no gimmicks or hidden fees.

BFCU is proud to be your financial institution.We’ll always treat you like you own the place … because you do.

Simple and honest banking.It’s more than a slogan at BFCU … it’s our way of doing business. *Carrier fees may apply.

Simple and Honest Banking

Just a reminder, if you are going away on vacation, you might want to let the Credit Union know. Our policy, for your protection, is to shut off your debit card or credit card if our fraud department sees it being used somewhere other than your local area. Such purchases often look suspicious. If you notify us ahead of time, we can make sure that any out of the area activity is expected so you can avoid possible denials when trying to make purchases on your vacation.

Also, if you’re a snowbird and heading south for the winter, please notify us of your temporary winter address before you leave so that we can send statements and other important Credit Union materials to you in a timely manner.

Taking a Vacation? Or, Headed South for the Winter?

President’s Message

John B. Winne President and CEO

Another summer has come and gone and soon we will be preparing for another holiday season. It is a busy time for everyone. Schools are back in session and people are once again forced to deal with all of the realities of life including the financial ones. The financial world continues to present us with mixed messages about the country’s economic future. While corporate America appears strong and stock values are completely recovered from the recent recession, we have witnessed the failure of a major city (Detroit) and we watch as their public servants and retirees fight to preserve hard earned benefits. It is yet another shot across the bow of municipal employees and unfortunately it will not be the last. Many state and local governments, as well as our Federal government are struggling against the weight of their debt service.

What is the message for members of our credit union? I think that it is one of vigilance and involvement. Take the time to understand the political process and work with your leadership to support candidates and policies that are both favorable and designed with long term common sense.

The second message is one of personal financial responsibility. The beginning of the school year is a great opportunity to look carefully at your own situation including debts, savings accounts and retirement planning. As you do so, realize that it is our goal to be your financial partner and to help you with the process. The products and services at BFCU are designed to be simple and honest and offer valuable tools to assist with your financial planning. Refinancing personal loans, credit cards, auto loans or even mortgages may be the answer to the restart you need to improve your financial situation.

Stop by or call a member service representative for more information on how we can help you and let me be the first in 2013 to wish you a happy and healthy holiday season and a Merry Christmas.

Trade In Your Car Loan—Get Lower Rates and 1% Cash BackSame car… just smaller payments!

Credit Union members, just like you, are saving money every day by switching to BFCU’s new insurance partner, Eastern Insurance Group, LLC. Eastern Insurance has a complete selection of competitively priced insurance products for individuals as well as for businesses large and small.

In addition to onsite service at BFCU, Eastern Insurance provides service to our members at any of their 18 locations throughout the state, including a very convenient Quincy location. Emergency claims service is available 24/7 by simply calling 877-692-5246 (877-MYCLAIM).

We are excited to have this relationship with Eastern Insurance to better serve our members. Please come in to BFCU and meet with an Eastern Insurance agent for a free, no obligation quote to see how much you can save on your insurance needs.

In September, we further improved the security of our Home Banking system. Like any improvement, this did require some small changes.

We want to thank all our Home Banking members who needed to update their personal log-in information. We appreciate your patience and cooperation.

Eastern Insurance Offers Convenience and Competitive Rates Onsite at BFCU

With BFCU’s new rates as low as 1.99% APR*, it makes even more sense to refinance your current car loan and save money in the process. Plus, qualifying members refinancing car loans from another lender get 1% of the loan amount deposited into their BFCU Account. Rates as low as 1.99% APR and 1% Cash Back. Just imagine how much money we can help you save.

*Only valid for non-BFCU auto loans. Qualifying credit and other conditions may apply. Minimum annual percentage rate of 1.99%. Rate reflects .50% discount for automatic payments from your BFCU account. Finance up to 100% of Kelly Blue Book Value. Rates may vary based on individual credit score. 72 month financing applies to 2010 – 2014 autos and motorcycles only. No pre-payment penalties. Payments are as low as $4.05 per week per $1,000 borrowed for 60 months. APR = Annual percentage rate. Hurry, offer valid through November 1, 2013.

Eastern Insurance representatives are onsite in the Credit Union lobby on:

• Tuesday & Friday 10:00a.m. – 2:00p.m.• Thursday 1:00p.m. – 6:00p.m.

Holiday Loans are now available. Stop by or call us today

for more details.

Home Banking Protecting Your Money Is Always Our #1 Priority

BOSTONFIREFIGHTERSCREDITUNION

Hours of Operation: Contact Numbers:Monday, Tuesday, Wednesday and Friday:

8:30a.m. to 3:30p.m.

Thursday:

8:30a.m. to 7:00p.m.

Saturday:

8:30a.m. to 12:30p.m.

Main Phone: 617.288.2420

1st Floor Fax: 857.220.2158

2nd Floor Fax: 617.288.8750

The Hot Line: 617.288.BFCU (2328)

Out of Area: 877.288.BFCU (2328)

Lost VISA Card: 1.800.449.7728

Lost MasterMoney Card: 1.800.264.5578

www.bosfirecu.com

SOLIDARITY

Edward Paris, Jr., E-18, Gr. 1 Chairman of the BoardSean P. Costello, L-19, Gr. 2 ClerkJoseph Finn, D-1, Gr. 2 Vice ChairmanRalph Dowling, FAO, Gr. 2 Treasurer Larry Brennan, E-14, Gr. 3 Charles M. Buchanan, Jr., E-24, Gr. 1 William G. Dewan, E-10 - Retired Robert Ford, L-29, Gr. 1Richard T. Kelleher, FAO - RetiredDaniel Magoon, E-21, Gr. 3Thomas W. Matthews, HQ - RetiredJoseph Nee, Maint. - RetiredTom McCann, E-39 - Retired George Patukonis, TrainingEdmund M. Street, L-18 - Retired

Board of Directors

Columbus DayOctober 14th

Veterans Day

November 11th

Thanksgiving November 28th

Christmas Day December 25th

New Year’s Day

January 1st

For product information, home banking, bill pay and more.

Consumer Loan Interest Rates*

*APR = Annual Percentage Rate. Rates reflect a .50% discount for automatic payments from your BFCU account. Rate may vary based on terms and individual credit scores. **This rate does not apply to the Student Choice private loan.

Loan Type APR

Auto (new or used) 1.99% - 8.99%

Personal 7.99% - 14.99%

Tuition

Home Improvement

6.99%**

7.49% - 8.99%

Boat (new or used) 7.49%

Holiday Closings:

Visit Us at:Bosfirecu.com

Christmas Club Disbursement Changing to Early November

8:30a.m. to 12:30p.m.

Starting this year, Christmas Club disbursements will be made at the beginning of November instead of October. BFCU, of course, will make exceptions for members who were counting on the Christmas Club funds to begin their holiday shopping at the beginning of October. If that is the case and you would like the earlier disbursement, call us and we’ll make arrangements to make your money available anytime after September.