Member

www.TeachersFCU.org

June 2018

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Stephen Abbott, CLU, ChFCFinancial Advisor2410 North Ocean Avenue, Farmingville, NY 11738(631) 698-7000, ext. 3692

Chris Hibbard, ChFC, CRPC, CFSVice President, Wealth Management5439 Sunrise Hwy., Holbrook, NY 11741(631) 698-7000 ext. 6020

TFCU Now Offers Mobile Wallet ServiceMobile Wallet is payment services made from your mobile device. Instead of paying with cash, check or credit cards, you can use your mobile phone to pay for a wide range of goods and services.

Pay at the check-out confidently by simply waving or tapping your device at the cash register. Each transaction that occurs through a digital wallet uses a unique, one-time code, token or card number to prevent your account information from being compromised during payment.

Use Apple Pay®, Google Pay® and Samsung Pay® with your TFCU Visa Credit or Debit Card by downloading the app compatible with your device.

Visit our website for a list of participating retailers.

NEW SERVICE

All rates and terms are subject to change without notice. *APR: Annual Percentage Rate. Rates and terms are effective 5/21/18. Rate will be based on credit history. Rate shown is lowest rate available. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Rates not available on Buy Rite Plus balloon loans or leases. Not eligible for Educated Choice, Auto Transfer. Pay just $17.70 for every $1,000 borrowed with a 60-month term at 2.40% APR for new auto loans. Pay just $15.12 for every $1,000 borrowed with a 72-month term at 2.84% APR for used auto loans.

Fast Approval & Low Rates!• Finance up to 100% of the purchase price - including sales tax and warranty.

• Take advantage of our quick approval process.

• Lower your payment by refinancing your car loan from another lender with us.

New AutoNew rates as low as

2.40%APR*

Used Auto

for up to 72 monthsFull Financing Available

Maximum 4 Model Years Old (Inc. Current Year) Other Rates/Terms Available

New rates as low as

for up to 60 months

Get Pre-approved and Save!

APR*2.84%

AUTO

THE SMART TOOL FOR AUTO BUYING

Shop with confidence at TFCU.GrooveCar.com or call our complimentary auto shopping service at (866) 476-6834

4 Research millions of vehicles in our massive inventory4 Save time and money with credit union pre-approval

4 Free CarFax, vehicle comparisons, and more!

Debit and Credit CardValet® Service! Have You Enrolled Yet?

Everyone needs to take a break. Time to kick back, relax and regroup. At TFCU we want you to have the opportunity to do just that.

From June 1 to August 31, we are offering members the opportunity to apply for a TFCU Vacation Loan.

• 5.00%* Annual Percentage Rate• Minimum loan: $250• Maximum loan: $3,000• Take up to 24 months to repay

Here’s the math: If you borrow $3,000 for 24 months, at an APR of 5.00%, your monthly payment will be approximately $131.59. For more information, give us a call at 631-698-7000, extension 6790.

MEMBER BENEFITS

You Deserve a Summer Vacation

Members are now able to access their TFCU accounts via their Apple Watch or Android Wear devices. Quick balances, recent transactions and branch locations are now all available on your wrist. Visit www.TeachersFCU.org/SmartWatch for instructions on how to enroll in this great new service.

Apple Watch and Android Wear Devices Now TFCU Accessible

Popmoney®

2 TFCU has teamed up with Brookhaven Town for Shredding Days throughout the year. For information on dates and times call the town at 631-451-8696 or visit www.brookhaven.org.

We Offer Fixed Rate Mortgages up to $453,100

and Jumbo Mortgages up to $3,000,000!

TFCU Introduces Popmoney® and Funds Transfer ServicesPopmoney service offers members the ability to send and receive money through email, mobile, or bank account using their TFCU account. It works by logging into online banking, under Move Money, select P2P. Funds take three business days to receive and it’s limited to $500 a day with a $2,500 monthly max. This is a free service for our members when used within TFCU’s online banking system.

Popmoney can be used to:• Send money to your child at college• Send a gift to family and friends• Pay back friends for an outing• Pay your babysitter or lawn care service• Pay rent to your landlord or roommates

Popmoney is secure to use. Your account information will not be shared with the recipient, all they will see is your name and the message that you write to accompany the payment.

Funds Transfer service is the ability to transfer funds from your TFCU account to an account you own at another financial institution. It works by logging into online banking, under Move Money, select Funds Transfer. The account you send to must be yours, it cannot be sent to another person’s account. Limits for Funds Transfer are $3,000 a day, up to $15,000 a month.

NEW SERVICE

ENERGY SAVINGS

*Annual Percentage Yield (APY) accurate as of 4/17/2018. All rates and terms are subject to change without notice.

TFCU is pleased to announce that we have partnered with National Energy Connection (NEC), located in Plainview, to make solar energy a possibility for our Long Island members.

If you’re interested in “going solar” check out what NEC has to offer, then turn to TFCU to fulfill your financial needs.

We are offering our members:• Loans for up to $35,000• Low fixed annual percentage rates of up to 7.99%*• Flexible repayment terms of up to 96 months• No interest and no payments for the first 24 months• UCC-1 filing required• Loan is exclusive to NEC customers only

For more information on this or any loan TFCU offers, speak to a representative at631-698-7000, extension 3700 or visit www.TeachersFCU.org.

TFCU’s New Solar Energy LoanWelcome to TFCUniversity! We bring you cutting-edge topics and trends to save you money and improve your quality of life here on Long Island.

Registration is free, but seating is limited.

Register at www.TeachersFCU.org/TFCUniversity

Please call 631-698-7000, extension 3024 with any questions.

YOU’RE INVITED

Limited Time Offer!

Certificate Account Specials

18-Month

2.00APY*

%30-Month

2.60APY*

%Minimum Opening Balance $1,000

Savings federally insured to $250,000

SAVINGS

All rates and terms are subject to change without notice. *APY: Annual Percentage Yield. Rates and terms are effective 5/21/18. A penalty may be imposed for early withdrawals.

Topic: First Time Homebuyers

When: Thursday, June 14, 6pm – 8 pm

Where: TFCU’s headquarters: 102 Motor Pkwy in Hauppauge (Lower level) Light refreshments will be served.

MEMBER BENEFITS

Depositing checks with our mobile app couldn’t be easier. Within our latest app, select “Check Deposit,” accept the terms and conditions, select the amount that you’re depositing, photograph the check, and that’s it! Have a question? Call us at 631-698-7000, extension 6780.

TFCU Offers Convenient Mobile Check Deposit

*Must attend First Time Homebuyers Workshop to get coupon. Ask for details.

Get $500 OFF Closing Costs with a TFCU Mortgage!*

3 TFCU has teamed up with Brookhaven Town for Shredding Days throughout the year. For information on dates and times call the town at 631-451-8696 or visit www.brookhaven.org.

HOME

All rates and terms are subject to change without notice. *APR: Annual Percentage Rate. Rates & terms accurate as of 5/21/18. Maximum loan amount is $453,100. Pay $5.07 per $1,000 borrowed for 30-year fixed rate mortgage at 4.56% APR. Taxes, insurance and other costs will result in a higher monthly payment. Primary residence only. This is not a commitment to lend. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Rate shown is for purchase or refinance, up to 80% financing. Other rates and terms available for loan to values above 80%. **APR: Annual Percentage Rate. Rates & terms accurate as of 5/21/18. Jumbo mortgages available from $453,001 up to $3,000,000. Pay $4.70 per $1,000 borrowed for 10/1 Adjustable rate jumbo mortgage at 4.41% APR. Rates fixed for 10 years. Subsequent adjustments made annually. 2% annual cap; 5% lifetime cap. Margin 3.00%. Index: 1 year Constant Maturity Treasury (CMT).Taxes, insurance and other costs will result in a higher monthly payment. Primary residence only. This is not a commitment to lend. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Rate shown is for purchase or refinance, up to 80% financing. Other rates and terms available for loan to values above 80%.

We Offer Fixed Rate Mortgages up to $453,100

and Jumbo Mortgages up to $3,000,000!

APR*

RATE

30-YearFixed Rate Mortgages

Rates as low as

4.50%

4.56 %No Points.

APR*

RATE

10/1 Adjustable Rate Jumbo Mortgages

Rates as low as

3.875%

4.41 %No Points. Other Adjustable and Fixed Terms Available.

APR**

RATE

TFCU Offers Jumbo Mortgages up to $3,000,000 with 80% financing & up to

$1,000,000 with 90% financing & PMI approval.

Registration is free, but seating is limited.

Register at www.TeachersFCU.org/TFCUniversity

Please call 631-698-7000, extension 3024 with any questions.

Give the Perfect GiftThe perfect gift is the gift of choice. Giving a TFCU Visa Gift Card to a young couple getting married, a high school or college graduate, as a Father’s Day gift to Dad, or for any occasion or person on your gift-giving list can take the hassle out of what to buy them.

Visa Gift Cards can be redeemed for items at thousands of top merchants and recipients will be grateful that you gave them the opportunity to buy just what they want or need.

Purchase your Visa Gift Cards today at any branch. • $4 per card at branch locations. • Up to ten free per year for Educated Choice Members.

SPECIAL PROMOTIONSTwo Great Home Equity Products!

For more information on either of these products, please contact a representative in our

Call Center at 631-698-7000, extension 6790.*APR: Annual Percentage Rate. Rates and terms accurate as of 5/18/18. All rates and terms are subject to change without notice. Term: 180 Months. Daily Periodic Rate is 0.0075%. Rate applicable for terms up to 120 months. Higher terms are available. Ask for details. HELOC max $500,000 (up to 80% of home value, rate shown for 80% max. LTV). Lines up to $100,000 require $10,000 min. advance & must maintain a balance of $5,000 for 36 months to avoid repayment of closing costs. Lines $100,001 - $250,000: $60,000 advance & maintain a bal-ance of $50,000 for 36 mos. to avoid repayment of closing costs. Lines $250,001 - $500,000: $150,000 advance & maintain a balance of $100,000 for 36 mos. to avoid repayment of closing costs. Variable rate equal to the Wall Street Journal Prime Rate (4.75% as of 5/15/2018) as published 30 days prior to interest rate adjustment date, applied at loan origination. After 12 month period, a 1% maximum rate adjustment is allowed per quarter. Rate will not exceed 18% over the life of the loan. Appraisal will be required. Primary residence – New York only. Ask for details. Membership conditions may apply. **APR: Annual Percentage Rate. All rates and terms are subject to change without notice. Rates/terms accurate as of 5/18/18. Rates will be based on credit history. Rate shown is the lowest available. Applicants not approved at these rates or terms may be offered credit at a higher rate or term. Lien must be in first position on the subject property. Appraisal will be required. Primary residence – New York only. Ask for details. Membership conditions may apply.

NO CLOSING COSTS!

2.74%

Interest-Only Home Equity Line of Credit

ADJUSTABLE RATE

APR*

NO CLOSING COSTS!3.75%

First Lien Position Mini-Home Equity Loan

FIXED RATE60-120 Month Term

APR**

SPECIAL PROMOTION

TFCU Offers our Members Three Great Services

TFCU has partnered with Benefits Plus® to provide identity theft protection, travel and other discount services to our members. As a Benefits Plus® Member you are entitled to an exclusive program that allows you and your family to save money on products and services you use every day. Benefits Plus® can be added to any TFCU account for a low monthly fee of $4.95. For more information visit www.teachersfcu.org/pages/benefitsPlus.php or ask a branch representative for details.

MEMBER BENEFITS

If you’re concerned about the debt you have, call the experts at GreenPath. They can help you regain control over your finances so you can pay bills on time, build a financial cushion, save for the future, and enjoy life without financial stress. This is a free service, available to all members. Visit www.greenpath.com/teachers or call 1-877-337-3399 today.

TFCU has partnered with Newtek® to help bring you small business products and services to help your business compete effectively in today’s marketplace.• Web Design, Hosting & Domain Name Registration• Payroll Service• Merchant Processing • Insurance ServicesFor more information on this service, please visit your local branch, visit our website at www.TeachersFCU.org or call us at 631-698-7000, ext. 6780.

Get $500 OFF Closing Costs with a TFCU Mortgage!*

Holiday Closing

All TFCU offices will be closed on Wednesday,

July 4, in observance of Independence Day.

† Facility employees only

Branch Locations

Convenient Loan Call Center Hours 24/7 Loan Information & Applications

631-698-7000, Ext. 6790.

TFCU’s Routing Number: 221475786

Check www.TeachersFCU.org for all of our GREAT RATES!

twitter.com/TFCU

Board Of DirectorsTimothy M. Southerton, ChairmanGeorge L. Dornhoefer, Vice ChairmanJuan C. Nuñez, TreasurerApril S. Neitlich, SecretaryRaymond P. GrossmanRonald A. MincioRobert J. NeyMario P. ShortinoShalei V.K. SimmsF. Jane Harris, Director EmeritaFrank D. Spencer, Director Emeritus

Executive ManagementRobert G. Allen, President/CEO Thomas A. Fallon, EVP/COO

Supervisory CommitteeJames F. Nohe, ChairmanMark O. Israel, SecretaryAlan R. Fertmann Eric J. Iberger April S. Neitlich

Amityville - 355 Broadway (Rte. 110)Bay Shore - 3rd Ave. and Sunrise Hwy. Brookhaven National Lab†

400 Brookhaven AvenueCenter Moriches - COMING SOON! Central Islip - 118 Wheeler RoadCommack - 10 Vanderbilt Pkwy.East Northport - 556 Larkfield RoadEast Meadow - COMING SOON!Farmingville - 2410 N. Ocean Ave.

Hauppauge - 102 Motor Pkwy.Holbrook - 5439 Sunrise Hwy.Huntington - 211 East Main StreetKings Park - 742 Route 25A NOW OPEN!Manorville - 460 County Road 111 Merrick - 1638 Merrick Rd. Nesconset - 127 Smithtown Blvd. North Babylon - 1134 Deer Park Ave.North Massapequa - 4250 Jerusalem Ave. Oakdale - 951 Montauk Hwy.

Patchogue - 31 W. Main Street, Suite 23 Port Jefferson Station - 450 Jefferson Plaza (Rte. 112)Riverhead - 176 Old Country Rd. (Rte. 58)Rocky Point - 561 Route 25A Selden - 301 Independence Plaza, (Rte. 25)Shirley - 437 William Floyd Parkway. Smithtown - 1 West Main StreetSouth Setauket - 260-A Pond PathWading River - 6257 Route 25A

631-698-7000 • 1-800-341-4333**Outside the Long Island, Westchester and New York Metro areas.

TFCU HEADQUARTERS Located at: 102 Motor Pkwy, Hauppauge, NY

Mail: P.O. Box 9005, Smithtown, NY 11787www.TeachersFCU.org

While consistent effort is made to ensure the integrity of information contained in this publication, material should not be considered legal,

financial or professional advice. Terms and conditions apply. Please speak to a representative for details.

facebook.com/TeachersFCU

Tom Sconzo Financial Advisor561 Route 25A, Rocky Point, NY 11778 631-698-7000 ext. 3367

Financial Services Representatives at other branches:

Stephen Abbott, CLU, ChFCFinancial Advisor2410 North Ocean Avenue, Farmingville, NY 11738(631) 698-7000, ext. 3692

Frank PecorellaFinancial Advisor3rd Avenue & Sunrise Hwy., Bay Shore, NY 11706631-698-7000, ext. 6925

Chris Hibbard, ChFC, CRPC, CFSVice President, Wealth Management5439 Sunrise Hwy., Holbrook, NY 11741(631) 698-7000 ext. 6020

Sergio MessinaFinancial Advisor102 Motor Parkway, Hauppauge, NY 11788631-698-7000, ext. 2453

Manorville – Ron RebaldoNesconset – Micki Cahill

Debit and Credit CardValet® Service! Have You Enrolled Yet?With CardValet® from TFCU, you can control your Debit Card through your mobile device. With the CardValet app, you can turn your card on and off when you want, and be notified if someone tried to use your card without your permission.

CardValet Fraud Protection Features Include:

• Turn your card “off” and no withdrawals or purchases will be approved. Turn it back on when you want to make a purchase• Get real-time alerts to keep you informed when your card is used or declined

Control Spending

• Monitor your finances anytime, anywhere by using the CardValet app to check your account balances or review recent card transactions• Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores

You can download the CardValet app in the Apple® App Store or GooglePlay® Store.

MEMBER BENEFITS

FINANCIAL SERVICES

10003795-0613© CUNA Mutual Group

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. *Representatives are not tax advisors or Social Security experts. For information regarding your tax situation, please consult a tax professional. To discuss your specific SSA benefits questions, please contact the SSA office in your area.