BULLETIN

Patricia Minaya Sandra Morris Linda OakleyAlyson ParrLaura PellechiaJessie Sanchez-PiconDina SenraPatricia ToscanoSusan WenzColleen Worrell

SPRING 2020

Discover theCredit Union Advantage

INSIDE THIS ISSUE

Keep Your Family Safe: Message from the CEO

Money Magic!National Credit Union Youth Month

Spring Forward withan Auto Loan from NCPD FCU

NCPD FCU Scholarships

E-Z Puzz Entry Form

Bulletin Board

Money Magic!

Find a Place to Call Home Spring makes us think of fresh starts, and there’s no better start than one in your own home. Buying a home is about more than finding a place to live. It’s about finding your community, your place to call home with loved ones and friends. At NCPD FCU, we guide you through the process so you can embrace homeownership with the support of a Mortgage Loan that fits your needs.

Great Rates • NO Points • NO Origination Fees • Up to 95% Financing^

Thanks to our easy mortgage application, you can get pre-approved and soonbe enjoying your new home sweet home. Give us a call or stop by andtalk to one of our Mortgage Loan officers today!

Other products, terms and rates available.

*APR = Annual Percentage Rate. Rates subject to change. See Credit Union for details. NMLS #412042^95% financing available to first time home buyers only with private mortgage insurance. Up to90% financing available for other new purchase transactions with private mortgage insurance.

Serving NCPD Members and Their Families Since 1940.

3.26%APR*

Fixed Rate30 Year Mortgage

Our unwavering priority is the wellbeing of those in the NCPD FCU community, from our members to our employees. With the coronavirus (COVID-19) causing concern about gathering in public and traveling, we are here, as always, to serve our membership.

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Keep You and Your Family SafeMessage from the CEO

Keep You and Your Family Safe Continued from Page 1

If you feel uncomfortable visiting us in person, we encourage you to use NCPD FCU’s online tools for 24/7 account access and banking:

Online Banking. Check your balances, view your transactions, transfer money between accounts, view your statements, and make loan payments from the convenience of your home. With our Bill Pay services, you can make express or recurring payments with a simple click.

Mobile Banking. View account balances, transfer funds, and pay bills, safely and securely, right from your phone.

Visit https://www.ncpdfcu.org/home/services/digital-services#text to learn about our full suite of online tools. Not enrolled in online access? No worries; it only takes a few minutes. Enroll today by going to: https://www.ncpdfcu.org/mstinc/grp/mobile/, downloading the app, and following the instructions.

Another option for your convenience is a VISA debit card, which lets you pay for purchases directly from your NCPD Federal Credit Union Checking Account. https://www.ncpdfcu.org/home/accounts/checking#visa-card

Applying for a loan? You can apply for many NCPD FCU loans online*, from the comfort of your home, on your time. https://www.ncpdfcu.org/home/apply/apply-for-a-loan

ATM Banking. To support members during this time, we are raising ATM daily limits to $1,000.**

We also recognize that in light of recent events, some members might face unexpected financial difficulties. If you are affected, please contact us. We’re here to discuss your options.

Please know that we are keeping apprised of advisories and developments, and we are prepared to serve members throughout the situation. We encourage you to follow the guidelines established by the CDC (https://www.cdc.gov/coronavirus/2019-ncov/index.html). Stay safe, and please let us know how we can help.

* Mortgage and home equity loans excluded. **Some ATM machines could have a dollar limit per transaction, so multiple transactions may be required to reach that limit.

2.65%APR*

Auto Loan rates as low as E-Z PUZZ ENTRY FORMEnter to win $25 cash! Circle the ten words in the puzzle below. They may appear in the puzzle vertically, horizontally or diagonally. Provide your name, address, phone number and email address in the spaces provided, and then return this form to us by mail or in person by May 8, 2020. All correct entries received will be entered in a prize drawing for $25, which will be deposited into the winner’s Share Savings Account. The winner will be announced in the next Bulletin.

Name:________________________________________________________________

Address: _____________________________________________________________

Phone: ____________________ Email: __________________________________

Detach and return to 777 Old Country Road, Plainview, NY 11803, ATTN: Marketing Department

1. CASH2. COOKOUT3. CREDIT4. FEES5. FISHING6. FLOWERS7. HOME8. SCHOLARSHIPS9. SPRING10. VACATION

Spring ForwardWith an Auto Loan from NCPD FCUSpring blooms are popping up and so are the savings. You don’t want to stay indoors and miss out. Put a spring in your step with an NCPD FCU auto loan. Whether buying a new or used vehicle, or refinancing your current auto loan from another lender, we’ve got you covered.

With an NCPD FCU auto loan, you’ll benefit from:

• Rates as low as 2.65% APR* • Flexible terms • Great, friendly service

The weather is fine and the prices are right to hit the road on a new adventure. Don’t waste a second more of sunshine. Try our online application process with remote signing!

*APR=Annual Percentage Rate and can vary based on terms of the loan. New car refinance must be less than 6 months old and a maximum of 5,000 miles.

www.ncpdfcu.org

NCPD FCU Scholarships As you are planning your list of college visits this spring, we know that picking the right school is important – and expensive. Let NCPD Federal Credit Union help you and your student on the path to their college degree.

We’re offering THREE $2,500 SCHOLARSHIPS. To qualify*, students must:

• Be a Credit Union member with their own account• Be an incoming freshman to an accredited two- or four-year college or university as a full-time student

Pick up a scholarship entry form at any NCPD FCU location or apply online. The deadline is May 8, 2020. A drawing will be held and THREE $2,500 SCHOLARSHIPS will be awarded to qualified students on May 19, 2020.

*No age requirement for college freshmen. All household members must be in good standing with the credit union. Membership at NCPD Federal Credit Union is available for employees and immediate family members of federal, state, county, and municipal agencies or departments engaged in the police protection industry who work in Nassau County, New York. If you are unsure of eligibility, contact us at 516-938-0300. Please visit our website for more information and to download the entry form.

B U L L E T I N B O A R DAnd the Winner Is...Congratulations toJune Cullen, the winner of last quarter’s contest. June’s $25 prize was deposited into her Share Savings Account.

Last Call – IRA Contribution Deadline The IRA contribution deadline for tax year 2019 is April 15, 2020.

Holiday ClosingsMemorial DayMonday, May 25, 2020

Independence DayFriday, July 3, 2020

Insured by NCUA

BOARD OF DIRECTORSPresidentDevin RossVice PresidentPatrick RailTreasurer/SecretaryDennis BarryDirectorsJohn BerryWayne F. BirdsallWayne HartmannMatthew McCartinWilliam McHaleTim MenschDirector EmeritusEdward H. ProctorSUPERVISORY COMMITTEEChairmanMatthew McCartinRobert KohlmierEdward SchmittMichael VelteCREDIT COMMITTEEChairmanWayne F. BirdsallWayne HartmannTim MenschADMINISTRATIONChief Executive OfficerPeter J. DittkoChief Financial OfficerWilliam MackeyChief Compliance/Operations OfficerRegina HassardInformation TechnologyDirectorWayon ElliottCompliance/Operations SupervisorKaren Allen-GomezMineola Branch ManagerBetsy SchwabacherOFFICE STAFFBryan Bragman Lisa CiangettiJoel DuarteDana Gatterdam Kate JosefakChristine LeachMichael LevyRobert MakleyValerie Massaro Jennifer Merz

HoursMon. - Fri.: 8:30 a.m. - 4:00 p.m.Member Telephone Service516-938-4077Locations777 Old Country RoadPlainview, NY 11803516-938-0300 • Fax: 516-938-03111490 Franklin AvenueMineola, NY 11501516-573-7260 • Fax: 516-573-7009

Patricia Minaya Sandra Morris Linda OakleyAlyson ParrLaura PellechiaJessie Sanchez-PiconDina SenraPatricia ToscanoSusan WenzColleen Worrell

SPRING 2020

Discover theCredit Union Advantage

INSIDE THIS ISSUE

www.ncpdfcu.org

Money Magic!National Credit Union Youth MonthSave, spend, share, invest, and budget – these core principles are important for children and teens to learn about to see them set off on the right financial path. This April, we encourage kids to develop healthy saving habits through National Credit Union Youth Month.

Learn more about Youth Month the next time you stop by the Credit Union. We’re here to help now and year-round with resources and tips, including our Student Account Suite.

Encourage financial security early. Discover the benefits of our Student Account Suite, including:

Help your student get started on a sound financial path and help them open an account today!

• Regular Share Account*• Student Checking Account• VISA® Debit Card• VISA® Credit Card up to $1,000**• Surcharge-free access to ATMs in the Allpoint® and CO-OP® Networks• Mobile Banking with Mobile Check Deposit

• Online Banking with Bill Pay• Easy online transfers to linked accounts• Access to your account through the Shared Branch Network• No minimum balance requirement• No monthly service charges, no per check fees

* APY=Annual Percentage Yield. Rates subject to change. See Credit Union for details.**For college bound students only.