A Publication for the Members of Hershey Federal Credit Union

FAll 2016

WINTER 2011 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.orgFall 2016 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

Feature Rates

Vehicle APR* New Vehicle As low as 1.99% Used Vehicle As low as 1.99%

Home Equity APR*

5 Yr Fixed 2.99% 10 Yr Fixed 3.49% 15 Yr Fixed 3.49%

Other Loans APR*

Signature As low as 5.99% HELOC As low as 4.00% Home Mortgages Call for a quote

HFCU Visa® As low as 8.90%Certificate & Money Market Accounts

See HFCU website for up-to-date rates.

All rates as of 10/07/2016. For a listing of all HFCU Rates, visit HFCU online at www.hersheyfcu.org or call an HFCU office.

*Annual Percentage Rate (APR) is best rate available for loans. Actual rates may vary and are based on credit worthiness and an automatic payment from an HFCU share draft or savings account. Certain restrictions apply.

All rates are subject to change without notice. See website for up-to-date rate listings.

HFCU Events

Hershey Branch Renovation- Ongoing

Halloween Parade- Wednesday, October 19 Hershey

International Credit Union Day- Thursday, October 20 Annville, Hershey & Hummelstown

* APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness. Other restrictions may apply. All loans are subject to approval. Limited Time Offer! Contact us at www.hersheyfcu.org/717-533-9174

Mobile Deposit Capture is coming in 2017!

Don’t have an HFCU VISA® or want to increase your current spending limit, call us!

HFCU Home Equity LoansRates as low as 2.99% *APR

Home Equity Line-of-CreditRates as low as 1.99%*APR

VISA® Credit Card purchases Rates as low as 1.90% *APR

For one year. Plus earn rewards with each purchase using

Platinum Visa® Card

Fall and winter mean family time. Get Ready for it with help from HFCU

Holiday shopping

*Introductory Fixed Rate for the first 6 MonthsThereafter, Receive a Competitive Variable Rate Tied to Prime Rate

New windows

New furniture

Big screen TV

Wintergetaway

Wintertoys

PAGE 2 - Fall 2016 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

Important ACH Information UCC 4A Disclosure(Provisional Payment Disclosure):Credit given by Hershey Federal Credit Union to you with respect to an automated clearing house credit entry is provisional until Hershey Federal Credit Union receives final settlement for such entry through a Federal Reserve Bank. If Hershey Federal Credit Union does not receive such final settlement, you are hereby notified and agree that Hershey Federal Credit Union is entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

(Notice Disclosure):Under the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, Hershey Federal Credit Union is not required to give next day notice to you of receipt of an ACH item and Hershey Federal Credit Union will not do so. However, Hershey Federal Credit Union will continue to notify you of the receipt of payment in the periodic statement we provide to you.

(Choice of Law Disclosure):Hershey Federal Credit Union may accept on your behalf payments to your account which has been transmitted through one or more Automated Clearing House (ACH) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state of Pennsylvania as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

HFCU PARTNER

Love your savings.Everyone is looking for ways to save money, and that's just what Love My Credit Union Rewards is all about.

Hershey FCU is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1.6 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

• Receive a 10% discount (business members a 15% discount) on select regularly priced Sprint monthly data service. Valid in conjunction with other credit union and most Sprint National handset offers and promotions• Get safety and security of roadside assistance and more for less than $1 per week* with CU Road Pal.• Save up to $15 on TurboTax Federal tax products• Save on services for your home from ADT, DIRECTV, Allied, and more• Earn cash back when you shop at over 1,500 online retailers with Love to ShopThe more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.

*Based on individual roadside assistance plan

Is Your Retirement Plan on Track?A Message from the HFCU Investment

& Retirement Services Program

Do you know how much you can expect from Social Security in retirement – or from any pension plan you have? Or how much you need to save to make up the shortfall in your desired retirement income?

Are you up-to-date on all the tax-favored retirement savings options? And are your retirement investments adequately diversified?

Whether your retirement is far off or just around the corner, now’s the time to get answers to all these questions and to put your retirement plan on track.

For more information about retirement planning and personalized assistance, please contact Eric S. Pasquini, the HFCU Inverstment & Retirement Services Representative serving the members of Hershey Federal Credit Union at 717-533-9174 ext. 410.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

1385-P1819F1

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HFCU SeCUrity inFo CornerHFCU newS & eventS

2016 RichaRd E. FoglEman mEmoRial ScholaRShip WinnER!

HFCU awarded its 2016 $1,000 Richard E. Fogleman Memorial Scholarship to Jeremy Wells of Lebanon. Wells, who is a graduate of Cedar Crest High School, attends Penn State.

He was also the 2015 scholarship winner. In 2016, he beat out 11 other qualified candidates.

All HFCU members pursuing a post-secondary education are eligible to apply for the annual scholarship.

hot dog Eating contESt

Mid-Atlantic Corporate Federal Credit Union’s 3rd Annual Hot Dog Eating Contest was held on July 21 with all proceeds benefitting Penn State Hershey Children’s Hospital, the local CMN hospital.

Alecia Kolar, Annville’s Branch Manager, was HFCU’s representative. While she was able to eat 5 hot dogs, this year’s winner consumed 11!

hERShEy BRanch REnovation

Ransomware - What is it?By: Nicole Smith

Imagine sitting at home surfing the internet and checking emails. After clicking around - all of a sudden a message pops up on your screen. "Warning! Your personal files are encrypted! Send 1.25 Bitcoin ($300 US Dollars) to the address specified below. Once payment is received a code to unlock your com-puter will be displayed. You have 3 hours to send the funds. If payment is not received - all your personal files will be perma-nently deleted."

Now what? Panic has set in. Your personal files include pictures, passwords, tax return files, possible work related documents and videos/movies. Should you pay? Should you contact the police? All of these are important questions. There is no right or wrong answer. But, how are you able to protect yourself so that you never have to ask these questions?

First, what is ransomware? There are two main types and the ransomware targets home computers and mobile devices.

1. Locker ransomware (Computer locker) - this type denies access to the actual computer or device. There is limited access and requires a code to gain full access to the system. This type generally leaves your files untouched during the lock-out.

2. Crypto ransomware (Data locker) - this type is designed to find and encrypt important data stored on the device. This makes the data useless until a decryption key is entered.

Both forms of ransomware hold your computer hostage until payment to the hijackers is made. In order to protect yourself there are a few key steps that everyone can take to protect personal files and information:

1. Make regular back-ups of all your files and store the back-ups externally (separate hard drive or cloud solution)

2. Keep all original software discs, etc. so that you can wipe your device and start fresh.

3. Make sure that you are only opening emails and attachments from known senders - ransomware is embedded in attachments.

4. Be careful on all social media sites.

5. Patch and update your devices anytime new updates are available. Patches for Windows include the latest security protocols to help protect your system.

So, the "moral of the story is" to protect yourself, be aware, learn, and above all else - back-up files. Between 2014 and 2015, it has been reported on numerous sites that ransomware victims (personal and businesses) have suffered losses estimated at more than $18 million dollars. Let’s make a pact - let's work together to bankrupt these hijackers.

Holiday Helper Rates as low as 5.99% *APR

The Hershey Branch is undergoing extensive renovations to better serve you, our members. Please excuse the construction noises and any necessary disruptions. We promise you will love the look and convenience of the new design.

232 Hershey RoadHummelstown, PA 17036

PRST STD U.S. POSTAGE PAID

HARRISBURG, PAPERMIT NO. 488

Main Office232 Hershey Road • Hummelstown, PA 17036Phone: 717-533-9174 • FAX: 717-583-5234

Toll Free: 800-832-4328E-mail: hfcu@hersheyfcu.orgWeb Site: www.hersheyfcu.org

Hershey Branch904 East Chocolate Avenue • Hershey, PA 17033

FAX: 717-533-5241

Annville Branch710 East Main Street • Annville, PA 17003

717-868-3080 • Fax: 717-868-3083

OFFICE HOURSMon. - Thurs: 9 AM - 5 PM Wed: 9:30 AM - 5PM

Fri: 8 AM - 6 PM Sat: 9 AM - 12 PM

MERLIN - Telephone Access Service1-800-432-3207

HFCU Investment & Retirement Services717-533-9174 ext. 410

OFFICE NOTES

Text Alerts for HFCU VISA® Debit & VISA® Credit Card Transactions

HFCU members can sign up to receive text message alerts when certain transactions occur on their HFCU VISA® Debit and VISA® Credit cards.

To sign up for these alerts, cardholders need to register their cards and mobile phones by visiting the HFCU smsGuardian Text Alert website at https://www.cardguardian.com/CardGuardian/signon.do?fid=LC

Message and Data Rates May Apply. There is no charge from HFCU to use this service. Please visit https://www.hersheyfcu.org/site/products_convenience_textalerts.html for smsGuardian Website Terms and Conditions.

November 11 - Veterans’ DayNovember 24 - Thanksgiving December 26 - Christmas, observedJanuary 2 - New Year’s Day, observed

Holiday Closings & Events

Holidays: All offices closed

Special Hours:

December 14 - open 11 a.m. - 5 p.m. December 24 - open 9 a.m. - 12 p.m.December 31 - open 9 a.m. - 12 p.m.