MoneyWisdomSummer 2014

A COMPLIMENTARY SUBSCRIPTION FROM HANSCOM FCU

YOUR FINANCIAL FUTURE: A Financial Advisor Can Help 5

Get Paid Early with

PAYDAY PERQS 6

FIND A HOME. FIND A REALTOR. EARN A REBATE. Right Here! 3

2 Summer 2014

The average American family overspends on their wireless services by an average of $200 a year. If this sounds like you, it might be time to start saving with the Sprint Credit Union Member Discount.

You or your business could save hundreds each year with these discounts:

Hanscom FCU Members CAN SAVE WITH SPRINT

ON THE ROAD? Keep Rolling with Online, Mobile and Text Access

Summer’s here! If your plans involve time away from home, keep up with your money with our online and mobile tools.

coming soon … new appsWe are close to releasing updated apps for iPhone® and AndroidTM that combine the best of our current apps with brand new features, such as Mobile Bill Payment. Download our free app at iTunes® or Google Play and enable mobile service from your online account to get started.

instant info by textYou don’t need a smartphone to stay in touch. Get account information instantly and make transfers by text. Text Access is free, but message and data rates from your service provider may apply. Get details and register at www.hfcu.org/text.

online access hd: a 24 hour branchAccess your account online for account history, to view pending items, transfer funds, schedule future transfers, and find surcharge-free ATMs. Send money to practically anyone the free and easy way with Popmoney. For details, visit www.hfcu.org/online.

thousands of branches at your service Need some personal assistance? Visit one of over 7,000 CO-OP® Shared Branches to perform just about any teller transaction, including a check withdrawal or a loan payment.

We’re always available by phone for all your financial questions and requests. Reach us at 800-656-4328 anytime for assistance.

personal – save 10%• 10% discount on select regularly priced Sprint

monthly service• Waived activation fee on new lines (up to $36 in savings)• Waived upgrade fee (up to $36 in savings)• Buy online to save even more• Unlimited data available on select phone plans• Ready Now, one-on-one personalized setup, is provided

at select Sprint Stores• Use Corporate ID: NACUC_ZZM to claim your discount

Keep up with your money with our online and mobile tools.

Coming soon: We’re updating our web site this summer. Whether you visit us on your phone, tablet, or PC, you’ll love our new look!

Are you thinking about buying or selling a home? We can help with HomeAdvantage, our easy-to-use real estate center. You’ll have access to full MLS listings to help you find a house, plus tools to help you research neighborhoods.

When you’re ready, we can connect you with an agent. Of course, we also offer a variety of mortgages at great rates. But that’s not all. When you use an agent from the HomeAdvantage network to buy or sell your home, you’ll qualify for a cash incentive that could be worth thousands of dollars. Use it toward closing costs, moving expenses or any other purpose.

It’s easy to get started. Just visit us online at www.hanscom.mycuhomeadvantage.com to enroll, or contact a mortgage loan officer at 800-656-4328, ext. 2043. The program is free. The savings are substantial.

MONEY SAVING TIPS

3

FIND A HOME. FIND A REALTOR. EARN A REBATE. Right Here!

Hanscom FCU Members CAN SAVE WITH SPRINT

personal – save 10%• 10% discount on select regularly priced Sprint

monthly service• Waived activation fee on new lines (up to $36 in savings)• Waived upgrade fee (up to $36 in savings)• Buy online to save even more• Unlimited data available on select phone plans• Ready Now, one-on-one personalized setup, is provided

at select Sprint Stores• Use Corporate ID: NACUC_ZZM to claim your discount

Learn about the home buying process with our Home Buyers Handbook. Download your free copy at www.hfcu.org/homeadvantage.

business – save 15%• 15% discount on select regularly priced Sprint

monthly service• Same great discounts as personal accounts• Use Corporate ID: NACUC_ZDS_ZZM to claim

your discount

Proof-of-eligibility is required to participate in the Sprint discount

program. Verify your Credit Union membership easily with the Invest

in America app. Visit www.LoveMyCreditUnion.org/Sprint

for details and to start saving with the Sprint Credit Union

Member Discount.

4 Summer 2014

If you worked hard and landed a summer job, congratulations! But what do you do once the paychecks start rolling in? Chances are you have some big goals, such as buying your first car or saving for college. Here are some tips on how to save for these expensive goals.

Start small and increase savings over time. If saving doesn’t come naturally to you, it may seem too difficult to set aside a large portion of your earnings for far-off goals. If you feel this way, try saving a small amount, like $50, at first. Then add $25 to this amount with each new paycheck until you’re saving most of your earnings.

Give yourself some spending money. Even if saving is easy for you, you also need to allow yourself to spend some of the money you earn on other things. Choose to spend on things that are important to you – like going to the movies with friends or getting your favorite band’s new album.

If you try saving all of your paycheck, it can backfire and leave you feeling deprived of the things you enjoy. The trick is to keep some money for the things you really care about, while skipping spending on items you don’t feel as strongly about.

Make saving automatic. The easiest way to be sure that you save regularly is to make the savings happen without you having to do anything. Hanscom FCU offers automatic transfers to make saving a breeze and keep you on track to accomplish your big goals.

If you’re ready to get started, stop by any Hanscom FCU branch or call 800-656-4328 to learn how to automate your savings today. Together we can achieve the big goals in your life.

&KIDS TEENS

Making a Pretty Penny at YOUR SUMMER JOB?

6 Ways You Can EARN MONEYSometimes the things you want cost more money than you have. Here’s a solution: Use your free time this summer to earn some extra money. How? You can probably think of lots of ways. Here are a few ideas to get you started. Be sure to get an OK from your parents first!

Help out more at home. Ask your mom or dad if you can help with big projects like cleaning out

closets, the garage or attic.

Provide pet services. Maybe you can walk a neighbor’s dog or set up a tub and wash dogs in

your driveway. If you’re old enough, you might offer to feed and play with neighbors’ pets while they’re on vacation.

Wash cars. Grab a bucket and a hose and turn your driveway into a car wash.

Make things to sell. You might choose jewelry, crafts, lemonade or cookies. Set

up a stand and make some colorful signs.

Play with little kids. If you’re not old enough to babysit, you might be a mother’s helper and

entertain small children while their parents are home.

Do yard work in the neighborhood. Water plants, pull weeds, cut the grass. You

can advertise your services by making flyers and delivering them to neighbors’ houses.

save some of your earningsRemember not to spend all the money you earn. Save some of it for something you’ll want later. Keep it safe in your Hanscom FCU savings account.

MONEY SAVING TIPS

5

Want your money to do more, but aren’t quite sure how to go about it? We exist to help you manage your finances wisely through all phases of life, and we pride ourselves on going beyond the basics to do so.

In addition to providing a wide range of savings products, consumer resources and member education, we offer experienced financial advisors through Hanscom Financial Services. You can meet with them for a no-cost, no-obligation consultation to evaluate your financial needs.

Like the friendly, knowledgeable credit union service you expect, there is no pressure. We can work together to develop personalized investment ideas and strategies tailored towards your individual needs and objectives, and we offer periodic reviews to help you stay on track as you move towards your goals.

We understand that developing an investment strategy and making financial decisions that are appropriate for your unique situation as well as the economic environment can be challenging. No matter

if you are just starting out, or if you want to determine whether you’re prepared for retirement that’s just around the corner, a financial advisor can help.

For more information and to see if the guidance of an experienced financial advisor can help your money do more for you, contact Beth Nocito at 800-656-4328, ext. 2236, or visit www.hanscomfinancialservices.org today.

The investment products sold through LPL Financial are not insured Hanscom Federal Credit Union deposits and are not NCUA insured. These products are not obligations of the Hanscom Federal Credit Union and are not endorsed, recommended or guaranteed by Hanscom Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Securities and Advisory services offered through LPL Financial, a registered investment advisor. Member FINRA / SIPC.

Hanscom Federal Credit Union and Hanscom Financial Services are not registered broker/dealer and are not affiliated with LPL Financial

Investment and insurance products:Not federally insured | Not a deposit of this institution | May lose value

YOUR FINANCIAL FUTURE: A Financial Advisor Can Help

6 Summer 2014

Get Paid Early with PAYDAY PERQS

If you have your paycheck or benefit check deposited directly to your Hanscom FCU account, you may have noticed your funds are available in your account a few days earlier. Welcome to Payday Perqs, another benefit of Hanscom FCU membership.

In many cases, we are notified electronically that a direct deposit is pending up to two days in advance. We now make those funds available to you as soon as we are notified, which gives you an early payday.

This courtesy service is available to all members. To get your own early payday, set up direct deposit from your employer or payment provider today. All you need is our routing number, 2113-8048-3, plus a voided check or your Hanscom FCU member number.

WE CONNECT BUSINESSES with More than Money

To get your own early payday, set up direct deposit from your employer or payment provider today. All you need is our routing number, 2113-8048-3, plus a voided check or your Hanscom FCU member number.

Download a free tip sheet on evaluating an investment property at http://hfcu.hs-sites.com/sbc.

You may think of us as a source for a car or mortgage loan and a place to deposit money. That’s a good start, but a business financial relationship can offer much more. We can be a valuable resource for real estate investment and small business loans.

If you’re thinking of expanding your business or seeking additional working capital, our broad range of business loan products offer solutions that fit your financing needs.

• Commercial real estate mortgages• Owner occupied or investment property• Term loans for equipment or vehicles• Line of credit for cash flow needs• Credit card for business expenses

Not only can we help with a loan, we can put our experience to work for you in evaluating business opportunities and preparing you for a business investment. To consult with our business lending expert, call 781-718-8954 today.

Hanscom FCU in the Community

PEOPLE HELPING PEOPLE

7

eight scholarships awarded at annual meetingTeresa Conrad, Chairman of the Condon Scholarship Committee, and Hanscom FCU Chairman of the Board, Paul Marotta, joined several of this year’s scholarship winners for a photo at Hanscom FCU’s 60th Annual Meeting. The students (L to R) are: Akhileshwar Borra, Bedford High AFJROTC; Luis Morales, Lowell High AFJROTC; Peter Blum; Nathaniel Gallishaw; Jonathan Che; and Matthew Lau. Two additional recipients, Zikai Wang and Brendan Chin, could not attend the awards presentation.

students test life skills with cu4 reality fairStudents from the Air Force JROTC programs at Lowell and Bedford High Schools got a small but enlightening glimpse of the world that awaits them at the CU4 Reality Fair. Each participant learned how budgets work by choosing a career, then fitting all the necessities of life and some of the fun things into a set monthly budget.

stay cool with hanscom fcuHanscom FCU project coordinator, Desiree Rodarte, and the Business Development team visited the National Aviation Academy at Hanscom International Airport, Bedford, Mass. The team showed students how to “shade” themselves from debt.

andy takes the wheel in boston marathonIn its 15th year of fundraising for Children’s Hospital Boston through the Boston Marathon, Hanscom FCU experienced its most memorable race to date. Our patient partner Andy Martin, Jr. participated in the race and finished with a time of 2:49. Thanks to our supportive members, we raised $30,928, a record-breaking amount.

affn grant doubles value of board awardMembers of the Hanscom AFB Quality of Life program visited the main office to receive a matching grant from the Armed Forces Financial Network (AFFN). The Quality of Life program, which supports many programs on the base, received the Board Memorial Award last fall.

our missionTo provide superior financial service responsive to our members’ needs.

contact usHeadquarters: 1610 Eglin Street, Hanscom AFB, MA 01731

800-656-4328

www.hfcu.org

Mobile access: www.hfcu.mobi

Download our free app for iPhone® and AndroidTM

Short code for text access: 692667

www.facebook.com/HanscomFederalCreditUnion

Routing Number (for direct deposits and withdrawals): 2113-8048-3

NMLS# 410771

To report a lost or stolen Visa® card: 800-656-4328 Overseas (24 hr): 701-461-0621 (call collect)

board of directorsPaul J. Marotta, ChairmanMark D. Walsh, Vice ChairmanJohn A. Delcore, SecretaryAlan M. Hart, TreasurerTeresa S. ConradHugh W. McNeilRay T. Phillips Frederick C. RyanLawrence S. RzepeckiFerdinand L. Fecteau, Director Emeritus

statisticsMembers ................................................53,975

Assets .......................................$1,075,000,000

Loans ..........................................$715,000,000

Deposits ......................................$957,000,000

Reserves ........................................$97,000,000

April 30, 2014

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to Hanscom FCU are provided for information only. No endorsement is implied. Images may be from one or more of these sources: ©Thinkstock, ©iStock, ©Fotolia. ©2014 Hanscom Federal Credit Union.

1610 Eglin Street Hanscom AFB, MA 01731

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Federally insured by NCUA.

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Be the Hero @ Work: LET’S DO LUNCH!Enjoy lunch from us while improving your financial life. We’ll come to your workplace with a focused presentation that fits seamlessly into a work day. We do all the work. All we need is the date and location that works best.

Our program is free for our participating employers and groups in Massachusetts.

Topics include credit scores, budgeting, protecting identity, buying a home or car, investing and retirement, or managing debt.

Be a hero at work. Tell your human resources team to call 781-698-2093 or visit www.hfcu.org/lunchlearn to schedule an event.

WIN $1,000!Enter our 2014 Be Yourself Summer Selfie Contest on FacebookShare a selfie with us of you doing a favorite summer activity using the photo upload app on our Facebook page and you could win $1,000!

Entry deadline: July 28, 2014, 12 p.m. EST

Enter at www.facebook.com/HanscomFederalCreditUnion.

Go green. Log in to Online Access HD to sign up for online statements. Learn more at www.hfcu.org/online.