Take the Next Step to a Better Home Loan
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JULY 2011 Take the Next Step to a Better Home Loan
engaging in any transaction involving IRAs or other tax-advantaged investments.
your tax-deferred plans. Clients should always check with their tax advisor before
by providing tax related information, hold themselves out to be “fiduciaries” of
**CFS and its Registered Representatives do not provide tax advice, and do not,
Better Home Loan
and services available to Credit Union members.
Take the Next Step to a Credit Union has contracted with CFS to make non-deposit investment products
principal. Investment Representatives are registered through CFS. NASA Federal
of the credit union, and may involve investment risk including possible loss of
NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations
and SEC Registered Investment Advisor. Products offered through CFS: are not
Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC)
*Non-deposit investment products and services are offered through CUSO
your appointment.
wisely. Call extension 203 today to schedule
Advisors at NASA FCU can help you invest
goal of tax-efficient investing. CFS Financial
Hanging on to your hard-earned money is the
Be Smart About Taxes**
strategy that is designed to be tax efficient.
available to assist you in creating an investment
should continue. CFS Investment Advisors are
returns. Although tax time has passed, your plan
Taxes can take a chunk out of your investment
Tax Efficient Investing**
are right for you.
making the financial and investment decisions that
Advisors at NASA FCU will help guide you in
The CFS Investment
dreams into reality.
to help turn your
valuable information
vision, and provide
understand your
They’ll discuss and
achieve your goals.
CFS* Investment Advisors available to help you
As a member of NASA FCU, you have
The Smart Choice for Today’s Financial Planning
JULY 2011 Available through CUSO Financial Services, LP
NASA FCU INVESTMENT SERVICES
LOCATIONS
LOOKING TO BUY OR
FIX UP A HOME?
NASA FCU will help you with your most
important asset—your home
According to industry
research, home prices are
Get your home ready for summer!
Many homeowners are now eager to make
HOME EQUITY LINE
at their most affordable long-awaited improvements to their homes, given OF CREDIT
level in 35 years, which the likelihood they’ll be staying in them longer.
makes now a great time A home equity line of credit is best suited for
A popular trend is homeowners making “green”
to buy a home, especially ongoing credit needs like a series of home
improvements such as adding solar panels and
for first-time homebuyers. improvements, college tuition or ensuring a
purchasing energy
financial cushion for unexpected expenses:
efficient appliances.
At NASA FCU, we’re committed to making the
n Affordable variable rates
process of getting a home loan a positive Whether you need funds
experience, and our professional home loan n Convenient access to your credit line via
for small improvements
officers are available to help you every step online banking or convenience checks
or require a bigger source
of the way. of credit for major n Generous credit lines up to $250,000
improvements like n All closing costs paid by NASA FCU*
Because every home buyer is different, NASA FCU kitchen or bathroom
is proud to offer a wide range of mortgage remodeling, NASA FCU offers affordable home So whether your summer plans include buying a
programs customized to meet your unique needs: equity loans and lines of credit to make your new house or upgrading your home, NASA FCU is
n First-time homebuyer programs “home sweet home” a little sweeter! your complete home loan partner.
n High loan-to-value mortgages—with For more information,
no mortgage insurance required HOME EQUITY LOAN stop by any branch, call
(limited time only) A home equity loan is ideal for one-time us on ext. 207 for first
n FHA mortgages (that have a lower down borrowing needs and offers the security of mortgages, or ext. 802
payment requirement) fixed payments over the term of the loan: for home equity loans
and lines of credit,
n Jumbo mortgages (for loans over $417,000) n Affordable fixed rates or apply online.
n Borrow up to 90% of your home’s value
*For primary residences only. Must keep
n Loan amounts up to $250,000 the line of credit open for two years.
MAKE DEPOSITS QUICK AND
WITH YOUR NASA FCU VISA® CHECK CARD, EASY—ANYWHERE, ANYTIME
YOU HAVE MORE IN YOUR HANDS THAN JUST
AN ATM CARD.
Get Rewarded with Cash Back With NASA
The more you use your NASA FCU Check Card, FCU’s Remote
the more cash rewards you’ll earn. All eligible Deposit, you
cardholders are automatically enrolled in the can skip the
cash back program**. drive to a branch
or save the cost
Need a NASA FCU Check Card? of a postage
The next time you’re ready to buy stamp. Scan and
something, reach for your NASA FCU deposit checks
Check Card to enjoy the convenience, into your NASA FCU checking account from your
safety and purchasing power of Visa. home, office or your iPhone® or Android™ device.
To request a new or replacement Check Card, Now you can enjoy real-time, 24/7 access to
Use your NASA FCU Check visit one of our convenient Instant Issue your cash plus other valuable benefits:
Card to make purchases branch offices***. For more information,
at millions of places worldwide visit nasafcu.com/checkcard. n Convenient: Make deposits anytime, day
for just about anything—fast food, dry or night—even on weekends
cleaning, prescriptions, gas, groceries, movie n Save time and money: Reduce trips to the
tickets, monthly bills, etc. It’s also perfect for Credit Union and the Post Office
Internet, phone or mail orders. Plus, you’ll earn
n Peace of mind: Get immediate confirmation
cash back every time you make a purchase.
that your deposit was successfully uploaded
Your NASA FCU Check Card is a debit card and
ATM card combined into one. n Fast access to funds: Cash flow is improved
with real‐time access to deposits
Safe and Convenient n FREE: Visit eBranch to enroll in Remote
n Faster than writing checks Deposit or download the FREE* Mobile
Remote Deposit App to your smart phone
n Safer than carrying extra cash
and use it at no cost
n Multiple layers of security protection
with continuous fraud monitoring for Enjoy the convenience of Remote Deposit and
suspicious activity *Visa’s Zero Liability Policy covers U.S. issued cards only and does not Mobile Remote Deposit today!
apply to ATM transactions, PIN transactions not processed by Visa, or
certain commercial card transactions. Cardholder must notify issuer For more information and to view a demo, visit
n Visa Zero Liability Policy* – you don’t promptly of any unauthorized use. nasafcu.com/RemoteDeposit.
have to pay for unauthorized transactions *Remote Deposit is free, however, usage rates from your mobile carrier may
**You will earn $.05 for each Signature transaction and $.02 for each
PIN transaction subject to a total annual redemption amount limit per apply when using the Mobile Remote Deposit App.
n Track your spending through member of $250. ATM transactions are not qualifying transactions.
your monthly statement for easy iPhone is a trademark of Apple Inc., registered in the U.S. and other countries.
***Instant Issue branches include: Annapolis, Bowie, Collington, App Store is a service mark of Apple Inc. Android and the Android Market are
record keeping Columbia, Falls Church, Greenbelt, Headquarters, Oak Hall and Rockville. trademarks of Google, Inc. NASA FCU is not endorsed, sponsored, affiliated
with or otherwise authorized by Apple, Inc. or Google, Inc.
OUR AUTO LOANS WILL Get pre-approved
and shop with
TRAVELING ABROAD?
GET YOU ON THE ROAD confidence and Make sure you have
improved negotiating
THIS SUMMER power. We'll help you
the full use of your
NASA FCU Visa Credit
Plus, enjoy no payments for 90 days!* get the keys to your Card and Check Card
next car or truck. for all of your overseas
Longing for a convertible? Or maybe a hybrid
that gets incredible mileage? Whatever you’re At NASA FCU, we go purchases.
looking for, start your search by applying for the extra mile to help our members get great
an auto loan with NASA FCU. vehicle financing. Apply online, visit any The best way to ensure
branch or call ext. 203. that your NASA FCU
We offer competitive rates and flexible terms Visa Credit and Check
*Finance charges accrue daily and will continue to accumulate during
to fit any budget. Plus, you have access to a the deferral period. Deferring your payment may affect the amount on Card deliver the same
number of online tools and resources to GAP Insurance claims. Eligibility for this offer is based on evaluation value overseas as they do here in the U.S. is to
of applicant’s credit.
help you determine how much car you can notify the Credit Union prior to your travel dates.
afford and where to get the best prices. **APR=Annual Percentage Rate. APR as of July 1, 2011, for a term of
We’ll make a note on your account to ensure full
36 months. Annual Percentage Rate includes a .25% reduction for
automated repayment and a .25% reduction for a minimum $1,000 access during your travels. Call the Credit Union
We Make It Easy recurring monthly direct deposit into a NASA FCU checking account.
on ext. 200 several days prior to your departure
APR based on evaluation of applicant’s credit. The 2.69% APR disclosed
For a limited time, you can take advantage reflects discounts and your actual APR may vary. Not valid if refinancing to have access to all of the features and benefits
of rates as low as 2.69% APR** for terms up an existing NASA Federal Credit Union auto loan. Rate subject to change
you’ve come to expect.
at any time without notice. Payment Example: $15,000 auto loan at
to 36 months. 2.99% APR for 63 months is equal to a monthly payment of $258.
Student Choice Loans Feature: COMING SOON!
n Zero origination fees
n Low interest rates CONTACT-24
A TIMELY FUNDING OPTION FOR n No payment while in school option Telephone Banking
TODAY’S COLLEGE STUDENT Will Be More Personal
It’s Easy To Apply
Don’t let the cost of an education be an
Do you know a college student who may obstacle for a bright future. Apply online
need help with paying education expenses for and get more information about student loans When you’re on the go and don’t have internet
the fall semester? If they’ve taken steps to line and the financial aid process. You can also access or a smartphone for NASA FCU Mobile
up financing for the upcoming school year contact the Student Choice Private Education Banking, one phone call is all you need to access
but are still in need of additional funds, Loan Center at your account 24/7.
a NASA FCU Student Choice Loan could 1-800-322-8816.
provide the extra funds they need. This summer, Contact-24 will offer new menu
options and allow members to connect to a
NASA FCU Member Service Representative if
assistance is needed. Look for additional details
coming soon!
MAKE DEPOSITS QUICK AND
WITH YOUR NASA FCU VISA® CHECK CARD, EASY—ANYWHERE, ANYTIME
YOU HAVE MORE IN YOUR HANDS THAN JUST
AN ATM CARD.
Get Rewarded with Cash Back With NASA
The more you use your NASA FCU Check Card, FCU’s Remote
the more cash rewards you’ll earn. All eligible Deposit, you
cardholders are automatically enrolled in the can skip the
cash back program**. drive to a branch
or save the cost
Need a NASA FCU Check Card? of a postage
The next time you’re ready to buy stamp. Scan and
something, reach for your NASA FCU deposit checks
Check Card to enjoy the convenience, into your NASA FCU checking account from your
safety and purchasing power of Visa. home, office or your iPhone® or Android™ device.
To request a new or replacement Check Card, Now you can enjoy real-time, 24/7 access to
Use your NASA FCU Check visit one of our convenient Instant Issue your cash plus other valuable benefits:
Card to make purchases branch offices***. For more information,
at millions of places worldwide visit nasafcu.com/checkcard. n Convenient: Make deposits anytime, day
for just about anything—fast food, dry or night—even on weekends
cleaning, prescriptions, gas, groceries, movie n Save time and money: Reduce trips to the
tickets, monthly bills, etc. It’s also perfect for Credit Union and the Post Office
Internet, phone or mail orders. Plus, you’ll earn
n Peace of mind: Get immediate confirmation
cash back every time you make a purchase.
that your deposit was successfully uploaded
Your NASA FCU Check Card is a debit card and
ATM card combined into one. n Fast access to funds: Cash flow is improved
with real‐time access to deposits
Safe and Convenient n FREE: Visit eBranch to enroll in Remote
n Faster than writing checks Deposit or download the FREE* Mobile
Remote Deposit App to your smart phone
n Safer than carrying extra cash
and use it at no cost
n Multiple layers of security protection
with continuous fraud monitoring for Enjoy the convenience of Remote Deposit and
suspicious activity *Visa’s Zero Liability Policy covers U.S. issued cards only and does not Mobile Remote Deposit today!
apply to ATM transactions, PIN transactions not processed by Visa, or
certain commercial card transactions. Cardholder must notify issuer For more information and to view a demo, visit
n Visa Zero Liability Policy* – you don’t promptly of any unauthorized use. nasafcu.com/RemoteDeposit.
have to pay for unauthorized transactions *Remote Deposit is free, however, usage rates from your mobile carrier may
**You will earn $.05 for each Signature transaction and $.02 for each
PIN transaction subject to a total annual redemption amount limit per apply when using the Mobile Remote Deposit App.
n Track your spending through member of $250. ATM transactions are not qualifying transactions.
your monthly statement for easy iPhone is a trademark of Apple Inc., registered in the U.S. and other countries.
***Instant Issue branches include: Annapolis, Bowie, Collington, App Store is a service mark of Apple Inc. Android and the Android Market are
record keeping Columbia, Falls Church, Greenbelt, Headquarters, Oak Hall and Rockville. trademarks of Google, Inc. NASA FCU is not endorsed, sponsored, affiliated
with or otherwise authorized by Apple, Inc. or Google, Inc.
OUR AUTO LOANS WILL Get pre-approved
and shop with
TRAVELING ABROAD?
GET YOU ON THE ROAD confidence and Make sure you have
improved negotiating
THIS SUMMER power. We'll help you
the full use of your
NASA FCU Visa Credit
Plus, enjoy no payments for 90 days!* get the keys to your Card and Check Card
next car or truck. for all of your overseas
Longing for a convertible? Or maybe a hybrid
that gets incredible mileage? Whatever you’re At NASA FCU, we go purchases.
looking for, start your search by applying for the extra mile to help our members get great
an auto loan with NASA FCU. vehicle financing. Apply online, visit any The best way to ensure
branch or call ext. 203. that your NASA FCU
We offer competitive rates and flexible terms Visa Credit and Check
*Finance charges accrue daily and will continue to accumulate during
to fit any budget. Plus, you have access to a the deferral period. Deferring your payment may affect the amount on Card deliver the same
number of online tools and resources to GAP Insurance claims. Eligibility for this offer is based on evaluation value overseas as they do here in the U.S. is to
of applicant’s credit.
help you determine how much car you can notify the Credit Union prior to your travel dates.
afford and where to get the best prices. **APR=Annual Percentage Rate. APR as of July 1, 2011, for a term of
We’ll make a note on your account to ensure full
36 months. Annual Percentage Rate includes a .25% reduction for
automated repayment and a .25% reduction for a minimum $1,000 access during your travels. Call the Credit Union
We Make It Easy recurring monthly direct deposit into a NASA FCU checking account.
on ext. 200 several days prior to your departure
APR based on evaluation of applicant’s credit. The 2.69% APR disclosed
For a limited time, you can take advantage reflects discounts and your actual APR may vary. Not valid if refinancing to have access to all of the features and benefits
of rates as low as 2.69% APR** for terms up an existing NASA Federal Credit Union auto loan. Rate subject to change
you’ve come to expect.
at any time without notice. Payment Example: $15,000 auto loan at
to 36 months. 2.99% APR for 63 months is equal to a monthly payment of $258.
Student Choice Loans Feature: COMING SOON!
n Zero origination fees
n Low interest rates CONTACT-24
A TIMELY FUNDING OPTION FOR n No payment while in school option Telephone Banking
TODAY’S COLLEGE STUDENT Will Be More Personal
It’s Easy To Apply
Don’t let the cost of an education be an
Do you know a college student who may obstacle for a bright future. Apply online
need help with paying education expenses for and get more information about student loans When you’re on the go and don’t have internet
the fall semester? If they’ve taken steps to line and the financial aid process. You can also access or a smartphone for NASA FCU Mobile
up financing for the upcoming school year contact the Student Choice Private Education Banking, one phone call is all you need to access
but are still in need of additional funds, Loan Center at your account 24/7.
a NASA FCU Student Choice Loan could 1-800-322-8816.
provide the extra funds they need. This summer, Contact-24 will offer new menu
options and allow members to connect to a
NASA FCU Member Service Representative if
assistance is needed. Look for additional details
coming soon!
@ your service LOCATIONS
Locations
BRANCH OFFICES
NASA FCU INVESTMENT SERVICES Annapolis Goddard Space Flight Center Oak Hall
Annapolis Harbour Center Bldg. 21/Greenbelt, MD 20771 Oak Hall Marketplace
Available through CUSO Financial Services, LP 2452 Solomons Island Rd. Note: Access restricted to NASA 7027 Lankford Hwy. (Rt. 13)
Annapolis, MD 21401 employees only Oak Hall, VA 23416
The Smart Choice for Today’s Financial Planning Bowie Greenbelt Rockville
As a member of NASA FCU, you have Collington Plaza 10208 Greenbelt Rd. 1592-B Rockville Pike
3420 Crain Highway Greenbelt-Lanham, MD 20706 Rockville, MD 20850
CFS* Investment Advisors available to help you Bowie, MD 20716
achieve your goals. NASA Headquarters Wallops Island
Collington Center 300 E Street, SW GSFC-Wallops Flight Facility/N-133
They’ll discuss and 500 Prince George’s Blvd. Suite GC-21 Wallops Island, VA 23337
understand your Upper Marlboro, MD 20774 Washington, DC 20546 Note: Access restricted to NASA
vision, and provide employees only
Columbia National Academy of Sciences (NAS)
valuable information 6490 Dobbin Rd., Suite L 500 Fifth St., NW, Suite 310
to help turn your Columbia, MD 21045 Washington, DC 20001
Note: Access restricted to NAS
dreams into reality. Falls Church
employees only
1130 West Broad St.
The CFS Investment Falls Church, VA 22046
Advisors at NASA FCU will help guide you in
making the financial and investment decisions that
NATIONWIDE
are right for you.
More Than 3,800 Locations
Tax Efficient Investing** 28,000 Free ATMs
Taxes can take a chunk out of your investment Plus, Get Cash at More Than
returns. Although tax time has passed, your plan 5,500 7-Eleven® Stores
Find a location near you at nasafcu.com/locations
should continue. CFS Investment Advisors are
available to assist you in creating an investment
strategy that is designed to be tax efficient.
P.O. Box 1588 | Bowie, MD 20717-1588
Be Smart About Taxes** Telephone
Hanging on to your hard-earned money is the Local. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 301-249-1800
goal of tax-efficient investing. CFS Financial Toll-Free . . . . . . . . . . . . . . . . . . . . . . . . 1-888-NASA-FCU (627-2328)
Advisors at NASA FCU can help you invest Contact-24 . . . . . . . . . . . . . . . . . . 301-249-1234 /1-800-424-NASA
wisely. Call extension 203 today to schedule Lost/Stolen Credit Card . . . . . . . . . . . . . . . . . . . . . . 1-800-449-7728
Lost/Stolen Check Card . . . . . . . . . . . . . . . . . . . . . . 1-866-708-9364
your appointment.
Fax
*Non-deposit investment products and services are offered through CUSO Mortgage Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 301-249-0798
Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) Loan Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 301-249-0799
and SEC Registered Investment Advisor. Products offered through CFS: are not
NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations Member Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 301-249-0587
of the credit union, and may involve investment risk including possible loss of
principal. Investment Representatives are registered through CFS. NASA Federal Your NASA FCU deposits (excluding investment accounts) are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. Government.
Credit Union has contracted with CFS to make non-deposit investment products
and services available to Credit Union members.
**CFS and its Registered Representatives do not provide tax advice, and do not,
by providing tax related information, hold themselves out to be “fiduciaries” of
your tax-deferred plans. Clients should always check with their tax advisor before
engaging in any transaction involving IRAs or other tax-advantaged investments. This
This publication doesnot
publication does notconstitute
constitute legal,
legal, accounting
accounting or other
or other professional
professional advice.advice. Although
Although it is intended
it is intended to be accurate,
to be accurate, neither theneither thenor
publisher publisher nor
any other any
party
other partyassumes
assumesliability
liability for
for loss fordamage
loss or damage due
due to to reliance
reliance on this
on this material.
material. LoansLoans subject
subject to credit
to credit approval.
approval. ©2010 © 2011Federal
NASA NASACredit
Federal Credit Union.
Union.
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