A Quarterly Publication for Members of Bulldog Federal Credit Union

Quarterly timesSpring 2017

www.bdfcu.com

Inside this issue:

Spring Clean Your Credit Report With These Tipspage 2

Homewood at Williamsport to Celebrate Strawberry Festivalpage 2

PUP A2A Limits Drop page 2

Get Answers to Your Insur-ance Questions at “TruStage Tuesday” Seminars page 3

Scholarship Deadline Nears page 3

Board Members to be In-stalled at Annual Meetingpage 3

Rates, Holidays, Contactspage 4

Don’t get “phished.” We never initiate e-mails requesting sensitive account info.

It’s time to get your very best deal of the year on vehicle financing. It’s Auto Loan Sale time, and you’ll save hundreds with special discounted rates whether you buy or refinance! Get our lowest rates of the year, regardless of your credit his-tory, on almost any new or used vehicle...of any age.

Autos 2%*apras low as

*APR = annual percentage rate. Variable rates good through April 30, 2017 and subject to change. Promotional fixed rates also available. See website. Rates based on credit history; yours may be higher. Available only for members who qualify with approved credit. Min. loan $7500; new money only. 84 months on loans of $25,000 or more. Sale ends 8/31/17.

toys 3¼%*apras low as

New / Used / Refinance...Same Low RatesCars • Boats • Motorcycles • RVs • More

Flexible payment options up to 84 months*

$0 down...up to 100% financingEnjoy convenient, never-late automatic payments and optional low-cost GAP, credit life, and credit disability insurance, too. Not looking to buy? Bring your higher rate loan to Bulldog now and get rates as low as 2% apr on cars, 3.25% apr on toys...even with blemished credit.

Hurry, don’t miss this opportunity to save big. Apply online at bdfcu.com or stop by any con-venient branch today! The Auto Loan Sale ends August 31, 2017.

It’s Time to Save Big!

Auto Loan SALE

Credit Union members get a 10% discount on

auto insurance.Learn more inside.

We process federal and state income tax refund checks for members only. If the check is issued in two names and only one is a member or joint owner, it must be personally en-dorsed by all parties in the presence of a Member Service Rep. Photo ID is required. State refund checks must be endorsed by all parties even if they are for deposit only.

Getting a Tax Refund? We Cash Checks for Members Only

Bring Us Your Tax BillsAttention Mortgage Holders

If we escrow for your city, county, and school taxes, remember to bring us your tax bills before their due date. We can’t pay your taxes for you if we don’t have the bills!

PUP Limits ReducedIf you use PUP (People U Pay) to send account-to-account payments to your accounts at other financial institutions, please note the following transaction limit changes:

Max. transfer per day: $1000Max. transfer per week: $1000

There’s more to spring cleaning than washing windows and shampooing car-pets. It’s the perfect time to take a fresh look at your finances. Could your credit report use some sprucing up? Download your free credit report at www.annual-creditreport.com, then follow these tips to get your report back in tip-top shape.

• There is no quick fix for a poor credit score. Be very cautious of anyone who promises, for a fee, to quickly “repair” your credit.

• Open new credit accounts only as needed, not for the store discount or for more spending.

• Pay ALL your bills on time EVERY month. Even payments that are only a few days late can have a major negative impact on your credit score.

• Get current and stay current. The longer you pay your bills on time after being late, the more your score should increase.

• If you are having trouble making ends meet, contact your creditors or a reputable non-profit credit counseling agency such as GreenPath.

• Keep credit card balances below 50% of your available credit line. High debt negatively impacts your score.

• Pay off debt rather than shifting it from one credit card to another.

• Don’t close unused credit cards to raise your score. It helps to have es-tablished accounts that have been managed well for 5 years or more.

• Don’t open a lot of accounts too quickly. Rapid account build-up can look risky to a lender.

Let the caring, compassionate counselors at GreenPath help you clean up your credit report. They offer free credit counseling, and they can help you develop a plan to get out of debt. Give them a call today at 1-877-337-3399 or visit green-path.com. The sooner you take action, the sooner you can get out of debt.

Spring Clean Your Credit Report With These Easy Tips

Got some dirt you’d like to remove?

19th Annual Strawberry FestivalHomewood at Williamsport

Saturday, May 6, 20179:00 a.m. - 3:00 p.m.

Stop by and see us!

Enjoy food, entertainment, vendors and of course, strawberries! Our Homewood branch will be open until 2:00 for your convenience during the festival.

USE AN ATM ENVELOPE WHEN DEPOSITING CASH

AT AN ATM. DO NOT INSERT CASH

DIRECTLY INTO THE ATM.

Envelopes are provided free at each ATM.

Insurance Questions? Ask a Representative on

“TruStage Tuesdays”If you’ve got questions about your home or auto insurance coverage, stop by a BFCU branch to speak with a TruStage Insurance repre-sentative in person and get a free, no-obligation quote. “TruStage Tuesdays” will be held the first and third Tuesday of the month, from 11:00 am to 1:00 pm, at these branches:

May 2, Main OfficeMay 16, The CentreJune 6, York Road

June 20, Sharpsburg PikeJuly 5*, Dual HighwayJuly 18, Smithsburg

*Wednesday. Offices are closed Tuesday, July 4.

You’re invited to attend BFCU’s Annual Business Meeting, Tuesday, May 2, at 5:30 p.m. to be held at the Main Office at 580 Northern Avenue, Hagerstown. These five incumbent directors will be installed on the board of directors during the meeting:

3-year term: Victor Kronstadt, Robert Schleigh, David McGaha2-year term: Joyce Stanley1-year term: Anthony McLean

These dedicated volunteers donate a great deal of time and expertise so that our credit union can continue to grow and flourish. To them we extend our sincerest thanks and appreciation for their unwavering efforts.

Five Directors To Be Installed at Annual MeetingScholarship Applications

Due SoonApplications are due by

April 21 for the BFCU $1000 scholarship.

Applications are available for download

at www.bdfcu.com. Winners will be

announced by May 1.

Protect What’s Important to You With TruStage Auto and Home Insurance and

Save up to $519.52* on Car Insurance

TruStage™ Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies, including Liberty Mutual Insurance Company and affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. *Average annual savings based on countrywide survey of new customers from 01/27/2014 to 01/16/2015 who reported their prior insurers’ premiums when they switched to Liberty Mutual’s group auto and home program. Savings do not apply in MA. **Optional coverage. Requires the purchase of Towing and Labor coverage to cover cost of towing. Subject to policy limits. Emergency Roadside Assistance available anywhere in the U.S. and Canada.

As your life changes, so should your insurance coverage. Protect what matters with TruStage Insurance. As a Bulldog FCU member, you’re entitled to a 5% discount on home insurance and a 10% discount on car insurance through the TruStage Auto & Home Insurance Program. It offers discounts, personalized service and fast 24/7 claims service (including holidays). By combining your car and home insurance, you may qualify for multiple discounts. And switching is easier than you think.

TruStage Car insurance through Liberty Mutual Insurance offers discounts for:• credit union membership• multiple vehicles • anti-lock brakes• airbags, automatic seat belts Plus you get:• 24/7 claim service• 24-hour Roadside Emergency Assistance coverage**• guaranteed repairs at network shops

To find out how much you can save with TruStage, call Brad Grosskreutz, your local Liberty Mutual representative toll-free 1-888-244-1120, extension 54350, or stop by during a “TruStage Tuesday” event to speak to a him in person.

In order to serve you better, please have your account number ready when calling or visiting a branch!

Monday, May 29 Memorial Day

Tuesday, July 4Independence Day

HolidayClosings

CU At A GlanceAssets

$137,626,370Loans

$47,657,879Shares

$130,732,904Members23,088

Contact BFCU

APY is annual percentage yield. For more information about account terms and conditions and Truth-In-Savings disclosures, please call the Credit Union. Rates subject to change. Call for current APRs/APYs.

Saving Rates & Terms as of Mar. 31, 2017Min. Balance APY

0.05%0.05% 0%

0.05%0.10%0.15%0.30%0.30%0.40%

0.050%0.050% 0%

0.050%0.100%0.150%0.300%0.300%0.400%

Share Account

Regular Share Christmas/Vacation ClubShare Draft Money Market Share

APR

$25 nonenone

under $2000$2000 - $9,999$10,000 - $24,999$25,000 - $49,999$50,000 - $99,999$100,000 and over

Rates/terms subject to change without notice. Offered to those who qualify with approved credit.*Secured rates are non-promotional. Extended terms available based on amount financed.

Car/Truck/SUV*

up to 24 mos.25-36 mos.37-48 mos.49-60 mos.61-84 mos.

Boat/Motorcycle/RV*

up to 24 mos.25-36 mos.37-48 mos.49-60 mos.61-84 mos.

SignatureHome Equity

as low as 5.00%as low as 5.25%as low as 5.50%as low as 5.75%as low as 6.00%

as low as 6.25%as low as 6.50%as low as 6.75%as low as 7.00%as low as 7.25%

as low as 11.75%as low as 6.00%

FIXED APR

Loan Rates & Terms

Car/Truck/SUV*

up to appx. 48 mo. 49 to appx. 84 mo.

Boat/Motorcycle/RV* up to appx. 48 mo. 49 to appx. 84 mo.

SignatureShare SecuredElitelineFirst MortgageHome Equity

VISA

as low as 6.00%as low as 6.00%

as low as 6.00%as low as 6.00%

as low as 6.50%2.05%8.75%

Call for ratesas low as Prime+0%

call us

VARIABLE APR

as of Mar. 31, 2017

Take a spring break from your loan with Skip-a-Payment!

Call or visit bdfcu.com for details and apply today.

Main Office580 Northern AvenueHagerstown, MD 21742(301)797-6318 fax (240)420-2000

York Road Branch17555 York RoadHagerstown, MD 21740

Dual Highway Branch1240 Dual HighwayHagerstown, MD 21740

The Centre at Hagerstown17990 Garland Groh Blvd.Hagerstown, MD 21740

Smithsburg Branch22317 Jefferson Blvd.Smithsburg, MD 21783

Sharpsburg Pike Branch10306 Remington Dr.Hagerstown, MD 21740

Homewood at Williamsport16505 Virginia Ave.Williamsport, MD 21795

Website/Internet Bankingwww.bdfcu.com

e-mail: info@bdfcu.com

Routing Number2550-7751-6

K-9 Line 24-hr. telephone access(301)797-47551-888-K9LINE9

Lost/Stolen Debit MasterCard1-800-523-4175 after hours

Debit MasterCard Activation/PIN 1-866-985-2273

Hours (all branches except Homewood)LobbyMon. - Thurs.: 9:00 a.m. - 5:00 p.m.Fri.: 9:00 a.m. - 7:00 p.m.

Drive-UpMon. - Wed.: 9:00 a.m. - 6:00 p.m.Thurs. - Fri.: 9:00 a.m. - 7:00 p.m.Sat.: 9:00 a.m. - 2:00 p.m.

Homewood Branch:Tues. & Fri. 9:00 a.m. - noon