Some members have recentlyreceived mail saying that theyhave won a sweepstakes thatthey have not entered. In oneexample, the member receivesa check for a partial amountof the winning, $4,990,and a letter explaining thatthis portion should beused for taxes to be paidon the winning.

You are to deposit that check andthen send a Western Union wiredirectly to their assigned tax agentfor $3,495. As you may haveguessed, their check for $4,990will bounce and you will be out ofthe $3,495 that you paid for taxes.

Remember, you should not bepaying taxes to a “tax agent.”With legitimate prizes, you willreceive a tax form 1099-MISCfrom the sweepstakes sponsor.

Please be careful if it is asweepstakes that you did notenter and never send money toreserve your winnings or to pay

taxes up front.

You also need to haveyour guard up this timeof year with con artiststhat pose themselvesas a government official

and try to get into yourhouse to discuss your benefits orother topics of interest. It isusually a distraction to get theircohorts to quietly go throughanother part of your house to lookfor cash and jewelry.

The warm weather is also aprime time for other con artists toshow up at your house and startdoing work. They will ask forpayment up front and then leavewithout finishing the job.

LEYDEN CREDIT UNION2701 N. 25th Ave., Franklin Park, IL 60131847-455-8440 • www.LeydenCU.orgwww.facebook.com/LeydenCU

Quarterly Newsletter | July / Summer 2012

MoneyWire

THERATES

LOAN RATESFor qualified buyers. All discounts included.Rates shown are lowest rates available.Your rate is base on credit performance.

VISA®CREDIT CARDNo Annual Fees • 25 Day Grace PeriodSummer & Holiday Skip-A-Pay

Share Secured ..........................2.50% APR�Signature Loans ........................8.75% APR�Variable Rate HomeEquity Line of Credit..................4.00% APR�New Auto Loan..........................2.90% APR�Used Auto Loan.........................3.40% APR�

Classic/GoldShare Secured ..........................8.88% APR�Gold...........................................9.00% APR�Classic.....................................13.80% APR�*Annual Percentage Yield �Annual Percentage Rate

OFFICE & DRIVE-UP HOURS HOLIDAY HOURSMon., Tues., & Thursday: 8:30 a.m. – 5:00 p.m.

Wednesday: 10:00 a.m. – 5:00 p.m.Friday: 8:30 a.m. – 6:30 p.m.

Saturday: 8:30 a.m. – 12:30 p.m.Sunday: CLOSED

Wednesday, July 4, 2012Closed for Independence Day

Monday, September 3, 2012Closed for Labor Day

Floor 4% APR

SAVINGS RATES

Rates as of June 30, 2012. All rates are subject to change with-out notice. For current rates, pleasecheck our web site at LeydenCU.orgor call LCU at 847-455-8440.

Looking To Buy A Car?Now is the time to get the most for your trade in!Enterprise will appraise your vehicle using Kelly Blue Book® Trade-In Value* and...

Add$75000 Add$50000Upon Purchase From Enterprise Car Sales Upon Purchase From Enterprise Car Sales

July 1 - 7, 2012 July 8 - 31, 2012

Summer

Get Your Financing From Leyden Credit Union!

• $500 - $2,500• 12 Months• 1% Below YourQualifying Rate

Restrictions Apply • Subject to Qualification • Expires Aug. 31, 2012

Enjoy your summer with our...

Rates As Low As 7.75% APR

Sprint Credit Union Member DiscountLet us introduce you to valuable savings on monthly wireless bills – pluswaived activation and upgrade fees. It’s all possible thanks to LeydenCredit Union, Invest in America and Sprint’s Credit Union MemberDiscount program.

Ways you can save:• 10% off* select personal Sprint plans• 15% off* select business Sprint plans• Waived activation fee on new activations / Waived upgrade fee• Available to new and existing Sprint customers

3 Ways to Get Your Discount:• Call 877.SAVE.4CU (877.728.3428) and tell them you’re a creditunion member. Ask to be a part of the NACUC_ZZM Corporate IDto save

• Click www.LoveMyCreditUnion.org/Sprint• Visit your nearest Sprint store

*Application of discount requires 2-year contract extension on existing plans. Verification ofmembership is required at time of activation/upgrade. Discount not available on secondary lines forFamily and Business Share plans.All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Be Careful, It’s Scam SeasonNMLS #809901

*See www.EnterpriseCarSales.com for additional information.

Regular Shares........................0.150% APY*Holiday ....................................0.200% APY*IRAs (passbook) ......................0.200% APY*Tiered Money Market ...............1.065% APY*Premier Share Draft.................0.050% APY*Call the credit union office or LAURA at 847-455-8440 orcheck our Home Page at www.LeydenCU.org for up-to-the minute Certificate rates.IMPORTANT: EFFECTIVE AUG. 1, 2012, THE INDEXON THE TIERED MONEY MARKET IS CHANGINGFROM THE 1 YEAR LIBOR TO THE 1 MONTH LIBORAS POSTED IN THE WALL STREET JOURNAL.

Knowledge is power! This is true for purchasing a car also. When we mention buying a used car from Enterprise, manycommon objections arise from members. However, many of these are just myths. Our new Enterprise representative, ChrisPerson, wants to bust those myths and inform you of the benefits of purchasing a used car from Enterprise.

THE MYTHSMYTH #1: Old Rental Cars Are Beat-Up• False! Enterprise cars must pass a 109 point vehicle inspection by an outside/independent mechanic.While each vehicle is in the rental fleet, they are tracked and meticulously serviced according to the manufacturesmaintenance schedule.

MYTH #2: Enterprise Doesn’t Warranty the Car• False! Enterprise does warranty the car with a 12 month/12,000 mile powertrain warranty.•Enterprise also gives you 1 year of FREE roadside assistance.• The car you buy may also have the original factory warranty that will carry over to a second owner.•Enterprise also offers an extended vehicle service contract.

MYTH #3: Enterprise Doesn’t Have a Large Enough Selection• False! Enterprise carries over 100 makes & models with typically 5,000 cars in inventory at all times.• They can also work to transfer a particular car in that you want.

THE BENEFITS7-Day Repurchase Agreement•Drive it for 7 days, take it to your mechanic, etc. If for any reason the vehicle is not right for you, you can return it.

Haggle Free Buying•Save yourself hours of negotiation. Also, most vehicles are priced below the market value.

Enterprise Loves Trade-Ins•Enterprise will take anything that runs! Also for July 1-7, Enterprise will give you Kelly Blue Book Value® plus $750.And for July 8-31, Enterprise will give Kelly Blue Book® Value plus $500.

CarFax Report•Enterprise will print a FREE CarFax on any vehicle you wish.

WHAT YOU MAY NOT KNOW Enterprise is the largest used car supplier in the world. Approximately 80% of the new-usedcars at dealerships have once been rentals. Also, CarMax is Enterprise’s biggest buyer. You’re better off going straight tothe source and saving money! For more information on Enterprise, please call Chris Person at 630-942-5080 or visitwww.EnterpriseCarSales.com.

Enterprise Car Sales:Dispelling the Myths and Learning the Benefits

LCU Awards StudentsWith Scholarships

LCU Awards Grants to Area TeachersEach year, Leyden Credit Union awards three $500 grants toarea teachers. The grant money is used to aid in thedevelopment of effective teaching strategies and projects.Grants are awarded to teachers who encourage and supportexponential learning, enhance student understanding, andincrease student achievement.

Elizabeth Drasutis, Passow Elementary School’s ReadingSpecialist, will be using her grant money for the “Fun FluencyProject” which emphasizes performance repeated readings inengaging and motivating ways. It addresses reading withsufficient accuracy and fluency to support comprehension.

From Washington School, Louise Stompor will be using hergrant money to fund “Reading Rockets,” a bi-annual programwhere students answer questions about pre-selected booksthey have read in teams. Reading Rockets will expose thestudents to good literature, increase their vocabulary, andencourage excitement to read.

Finally, Kathleen Houda & Julie Viola from North School, withTracie Pausa from Pietrini School, are also grant winners.Their project will enhance student experience, knowledge, andexposure to athletes, artists, and musicians through literatureand technology while enhancing literacy goals in all settings.

Quick Survey QuestionMember Wins GrillFrom Liberty Mutual If LCU were to host a Car Buying Seminar, would you

or your children attend?

It would be designed more for first-time car buyers,however, anybody in the market for a car could benefitfrom the presentation. Learn about the tools LCU hasto help in the buying proces, the pitfalls of dealerfinancing, why payment shouldn’t be the determiningfactor in your purchase, and more.

Please send an e-mail to marketing@LeydenCU.organd let us know if you would be interested.

It’s a grill! Congratulations tomember Mary Helen who wasthe winner in the GrillSweepstakes from our partnersat Liberty Mutual.

There is usually a Libertyrepresentative in the LCU lobbyon Fridays. Stop by and see himfor savings on Car and AutoInsurance.

In the top left picture, from left to right, Kathleen Houda, Tracie Pausa, Julie Viola, and LCU President David Lukas.Pictured in the top right, from left to right, Louise Stompor, David Lukas, and District 81 Superintendent Kimberly Boryszewski.

Pictured in the top photo, at Member Appreciation Day, BenjaminWhite (left) and LCU President David Lukas. Pictured in theright photo, from left to right, Sarah Dantino, David Lukas, andStephanie Dantino.

Each year, LCU awards three $500 scholarships tostudents. Applicants are judged on being a well-roundedindividual, taking into account academic achievementand extracurricular activities. Decisions are made by theIL Credit Union Foundation.

This year’s winners are Benjamin White, SarahDantino, and Stephanie Dantino.

Planning a trip? Take your Leyden Credit Union Credit or Debit Card and call usbefore you go! Be sure to notify us of the dates and places you will betraveling to ensure reliable use of your card while you are away.

Remember to use your Leyden Credit Union Credit Card for the very bestinterest rates and use either your Credit or Debit card for the lowestinternational fee (only 1%) while traveling abroad.

Traveling? Call LCU Before Taking a Trip

Knowledge is power! This is true for purchasing a car also. When we mention buying a used car from Enterprise, manycommon objections arise from members. However, many of these are just myths. Our new Enterprise representative, ChrisPerson, wants to bust those myths and inform you of the benefits of purchasing a used car from Enterprise.

THE MYTHSMYTH #1: Old Rental Cars Are Beat-Up• False! Enterprise cars must pass a 109 point vehicle inspection by an outside/independent mechanic.While each vehicle is in the rental fleet, they are tracked and meticulously serviced according to the manufacturesmaintenance schedule.

MYTH #2: Enterprise Doesn’t Warranty the Car• False! Enterprise does warranty the car with a 12 month/12,000 mile powertrain warranty.•Enterprise also gives you 1 year of FREE roadside assistance.• The car you buy may also have the original factory warranty that will carry over to a second owner.•Enterprise also offers an extended vehicle service contract.

MYTH #3: Enterprise Doesn’t Have a Large Enough Selection• False! Enterprise carries over 100 makes & models with typically 5,000 cars in inventory at all times.• They can also work to transfer a particular car in that you want.

THE BENEFITS7-Day Repurchase Agreement•Drive it for 7 days, take it to your mechanic, etc. If for any reason the vehicle is not right for you, you can return it.

Haggle Free Buying•Save yourself hours of negotiation. Also, most vehicles are priced below the market value.

Enterprise Loves Trade-Ins•Enterprise will take anything that runs! Also for July 1-7, Enterprise will give you Kelly Blue Book Value® plus $750.And for July 8-31, Enterprise will give Kelly Blue Book® Value plus $500.

CarFax Report•Enterprise will print a FREE CarFax on any vehicle you wish.

WHAT YOU MAY NOT KNOW Enterprise is the largest used car supplier in the world. Approximately 80% of the new-usedcars at dealerships have once been rentals. Also, CarMax is Enterprise’s biggest buyer. You’re better off going straight tothe source and saving money! For more information on Enterprise, please call Chris Person at 630-942-5080 or visitwww.EnterpriseCarSales.com.

Enterprise Car Sales:Dispelling the Myths and Learning the Benefits

LCU Awards StudentsWith Scholarships

LCU Awards Grants to Area TeachersEach year, Leyden Credit Union awards three $500 grants toarea teachers. The grant money is used to aid in thedevelopment of effective teaching strategies and projects.Grants are awarded to teachers who encourage and supportexponential learning, enhance student understanding, andincrease student achievement.

Elizabeth Drasutis, Passow Elementary School’s ReadingSpecialist, will be using her grant money for the “Fun FluencyProject” which emphasizes performance repeated readings inengaging and motivating ways. It addresses reading withsufficient accuracy and fluency to support comprehension.

From Washington School, Louise Stompor will be using hergrant money to fund “Reading Rockets,” a bi-annual programwhere students answer questions about pre-selected booksthey have read in teams. Reading Rockets will expose thestudents to good literature, increase their vocabulary, andencourage excitement to read.

Finally, Kathleen Houda & Julie Viola from North School, withTracie Pausa from Pietrini School, are also grant winners.Their project will enhance student experience, knowledge, andexposure to athletes, artists, and musicians through literatureand technology while enhancing literacy goals in all settings.

Quick Survey QuestionMember Wins GrillFrom Liberty Mutual If LCU were to host a Car Buying Seminar, would you

or your children attend?

It would be designed more for first-time car buyers,however, anybody in the market for a car could benefitfrom the presentation. Learn about the tools LCU hasto help in the buying proces, the pitfalls of dealerfinancing, why payment shouldn’t be the determiningfactor in your purchase, and more.

Please send an e-mail to marketing@LeydenCU.organd let us know if you would be interested.

It’s a grill! Congratulations tomember Mary Helen who wasthe winner in the GrillSweepstakes from our partnersat Liberty Mutual.

There is usually a Libertyrepresentative in the LCU lobbyon Fridays. Stop by and see himfor savings on Car and AutoInsurance.

In the top left picture, from left to right, Kathleen Houda, Tracie Pausa, Julie Viola, and LCU President David Lukas.Pictured in the top right, from left to right, Louise Stompor, David Lukas, and District 81 Superintendent Kimberly Boryszewski.

Pictured in the top photo, at Member Appreciation Day, BenjaminWhite (left) and LCU President David Lukas. Pictured in theright photo, from left to right, Sarah Dantino, David Lukas, andStephanie Dantino.

Each year, LCU awards three $500 scholarships tostudents. Applicants are judged on being a well-roundedindividual, taking into account academic achievementand extracurricular activities. Decisions are made by theIL Credit Union Foundation.

This year’s winners are Benjamin White, SarahDantino, and Stephanie Dantino.

Planning a trip? Take your Leyden Credit Union Credit or Debit Card and call usbefore you go! Be sure to notify us of the dates and places you will betraveling to ensure reliable use of your card while you are away.

Remember to use your Leyden Credit Union Credit Card for the very bestinterest rates and use either your Credit or Debit card for the lowestinternational fee (only 1%) while traveling abroad.

Traveling? Call LCU Before Taking a Trip

Some members have recentlyreceived mail saying that theyhave won a sweepstakes thatthey have not entered. In oneexample, the member receivesa check for a partial amountof the winning, $4,990,and a letter explaining thatthis portion should beused for taxes to be paidon the winning.

You are to deposit that check andthen send a Western Union wiredirectly to their assigned tax agentfor $3,495. As you may haveguessed, their check for $4,990will bounce and you will be out ofthe $3,495 that you paid for taxes.

Remember, you should not bepaying taxes to a “tax agent.”With legitimate prizes, you willreceive a tax form 1099-MISCfrom the sweepstakes sponsor.

Please be careful if it is asweepstakes that you did notenter and never send money toreserve your winnings or to pay

taxes up front.

You also need to haveyour guard up this timeof year with con artiststhat pose themselvesas a government official

and try to get into yourhouse to discuss your benefits orother topics of interest. It isusually a distraction to get theircohorts to quietly go throughanother part of your house to lookfor cash and jewelry.

The warm weather is also aprime time for other con artists toshow up at your house and startdoing work. They will ask forpayment up front and then leavewithout finishing the job.

LEYDEN CREDIT UNION2701 N. 25th Ave., Franklin Park, IL 60131847-455-8440 • www.LeydenCU.orgwww.facebook.com/LeydenCU

Quarterly Newsletter | July / Summer 2012

MoneyWire

THERATES

LOAN RATESFor qualified buyers. All discounts included.Rates shown are lowest rates available.Your rate is base on credit performance.

VISA®CREDIT CARDNo Annual Fees • 25 Day Grace PeriodSummer & Holiday Skip-A-Pay

Share Secured ..........................2.50% APR�Signature Loans ........................8.75% APR�Variable Rate HomeEquity Line of Credit..................4.00% APR�New Auto Loan..........................2.90% APR�Used Auto Loan.........................3.40% APR�

Classic/GoldShare Secured ..........................8.88% APR�Gold...........................................9.00% APR�Classic.....................................13.80% APR�*Annual Percentage Yield �Annual Percentage Rate

OFFICE & DRIVE-UP HOURS HOLIDAY HOURSMon., Tues., & Thursday: 8:30 a.m. – 5:00 p.m.

Wednesday: 10:00 a.m. – 5:00 p.m.Friday: 8:30 a.m. – 6:30 p.m.

Saturday: 8:30 a.m. – 12:30 p.m.Sunday: CLOSED

Wednesday, July 4, 2012Closed for Independence Day

Monday, September 3, 2012Closed for Labor Day

Floor 4% APR

SAVINGS RATES

Rates as of June 30, 2012. All rates are subject to change with-out notice. For current rates, pleasecheck our web site at LeydenCU.orgor call LCU at 847-455-8440.

Looking To Buy A Car?Now is the time to get the most for your trade in!Enterprise will appraise your vehicle using Kelly Blue Book® Trade-In Value* and...

Add$75000 Add$50000Upon Purchase From Enterprise Car Sales Upon Purchase From Enterprise Car Sales

July 1 - 7, 2012 July 8 - 31, 2012

Summer

Get Your Financing From Leyden Credit Union!

• $500 - $2,500• 12 Months• 1% Below YourQualifying Rate

Restrictions Apply • Subject to Qualification • Expires Aug. 31, 2012

Enjoy your summer with our...

Rates As Low As 7.75% APR

Sprint Credit Union Member DiscountLet us introduce you to valuable savings on monthly wireless bills – pluswaived activation and upgrade fees. It’s all possible thanks to LeydenCredit Union, Invest in America and Sprint’s Credit Union MemberDiscount program.

Ways you can save:• 10% off* select personal Sprint plans• 15% off* select business Sprint plans• Waived activation fee on new activations / Waived upgrade fee• Available to new and existing Sprint customers

3 Ways to Get Your Discount:• Call 877.SAVE.4CU (877.728.3428) and tell them you’re a creditunion member. Ask to be a part of the NACUC_ZZM Corporate IDto save

• Click www.LoveMyCreditUnion.org/Sprint• Visit your nearest Sprint store

*Application of discount requires 2-year contract extension on existing plans. Verification ofmembership is required at time of activation/upgrade. Discount not available on secondary lines forFamily and Business Share plans.All rights reserved. Sprint, the logo, and other trademarks are the trademarks of Sprint Nextel.

Be Careful, It’s Scam SeasonNMLS #809901

*See www.EnterpriseCarSales.com for additional information.

Regular Shares........................0.150% APY*Holiday ....................................0.200% APY*IRAs (passbook) ......................0.200% APY*Tiered Money Market ...............1.065% APY*Premier Share Draft.................0.050% APY*Call the credit union office or LAURA at 847-455-8440 orcheck our Home Page at www.LeydenCU.org for up-to-the minute Certificate rates.IMPORTANT: EFFECTIVE AUG. 1, 2012, THE INDEXON THE TIERED MONEY MARKET IS CHANGINGFROM THE 1 YEAR LIBOR TO THE 1 MONTH LIBORAS POSTED IN THE WALL STREET JOURNAL.