A Publication for the Members of Hershey Federal Credit Union

SPRING 2018

WINTER 2011 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.orgSPRING 2018 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

HFCU Events

Annual Meeting– Wednesday, April 25 Hummelstown office 4 p.m

Youth Day– Saturday, April 28 Hershey office 1-3 p.m.

Memorial Day– Monday, May 28 All branches closed

Feature Rates

Vehicle APR* New Vehicle As low as 2.24% Used Vehicle As low as 2.24%

Home Equity APR*

5 Yr Fixed 2.99% 10 Yr Fixed 3.49% 15 Yr Fixed 3.49%

Other Loans APR*

Signature As low as 8.74% HELOC As low as 4.50% HFCU Visa® As low as 8.90% Home Mortgages Call for a quote

Certificate & Money Market Accounts

See HFCU website for up-to-date rates.

All rates as of 04/13/2018 For a listing of all HFCU Rates, visit HFCU online at www.hersheyfcu.org or call an HFCU office.

*Annual Percentage Rate (APR) is best rate available for loans. Actual rates may vary and are based on credit worthiness and an automatic payment from an HFCU share draft or savings account. Certain restrictions apply.

All rates are subject to change without notice. See website for up-to-date rate listings.

Our expert mortgage team will be with you every step of the way.

Fast and Easy Pre-ApprovalsFixed or Adjustable-Rate Loans

Low Closing Costs & FeesNew Home PurchasesMortgage Refinances

Jumbo, FHA, VA & PHFA

PAGE 2 - SPRING 2018 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

Are you ready to retire? You might be prepared for the financial transition, but you’ll experience lifestyle and emotional transitions as well. We can help you understand these upcoming

changes and provide the information you need to better prepare for this exciting season of your life. Working together, we’ll gain clarity and confidence about your path to retirement.

Join us for an educational seminar on “Three Transitions to Retirement” to be held on May 10, 2018 at 6:00 p.m. at South Hanover Township Building, 161 Patriot Way, Hershey PA, 17033.

This information-packed presentation includes a workbook to help you assess your retirement readiness. During this session, you’ll learn:

• How to confidently address the financial, lifestyle and emotional transitions to retirement• How to guard against risks and manage those that are inevitable• Whether you are ready for retirement

This no-cost, no-obligation seminar is hosted by Eric S. Pasquini, CRPC, the HFCU Retirement & Investment Services representative at HFCU Retirement & Investment Services. For more information or to reserve your place, call 717-533-9174 x 101 or email ncook@hersheyfcu.org. Space is limited, so make your reservations today.

This workshop is educational only and is not investment advice. If you need advice regarding your financial goals and investment needs, contact a financial advisor. All guarantees are backed by the claims-paying ability of the issuer. MEMBERS Insurance & Investments and MEMBERS are marketing names for the products, services and programs offered by CMFG Life Insurance Company (CMFG Life), MEMBERS Life Insurance Company (MEMBERS Life) and other leading carriers. MEMBERS® is a registered trademark of CMFG Life. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Not NCUA/NCUSIF/FDIC insured, may lose value, no financial institution guarantee. Not a deposit of any financial institution.

Financial advisors are not tax experts. For information regarding your specific tax situation, please consult a tax professional. Variable annuities are sold by prospectus only. You can obtain a prospectus by contacting your financial advisor or the insurance company. Read it carefully.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677. Toll-free 800-369-2862. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc. is a registered broker-dealer in all fifty states of the United States of America.

CHARTERED RETIREMENT PLANNING COUNSELOR (SM) and CRPC® are registered service marks of the College for Financial planning®

MGA-1805761.1-0517-0619 © CUNA Mutual Group 2017

Attend a Seminar on Three Transitions to Retirement

$100 CASH REWARDWITH EVERY NEW LINEIt’s Sprint’s best Credit Union Member Cash Rewards offer ever — another BENefit of membership!

Visit LoveMyCreditUnion.org/Sprint to calculate your cash rewards.

Z132_138422_Sprint_BEN_Onserts_7.5x2_F2.indd 1 12/30/16 5:25 PM

Members have saved nearly $2 billion with Love My Credit Union Rewards!

Start saving today at LoveMyCreditUnion.org

$1,000 ScholarShip

Applications for the 2018 Richard E. Fogleman Memorial Scholarship are due by Friday,

June 8.

All HFCU members pursuing a post-secondary education are eligible to apply for the annual

$1,000 scholarship.

Applicants are judged on their scholastic and extracurricular activities as well as a 750-or-

fewer word essay.

Applications are available at:www.hersheyfcu.org

PAGE 3 - WINTER 2011 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.orgPAGE 3 - Spring 2018 HERSHEY FEDERAL CREDIT UNION www.hersheyfcu.org

Wednesday, April 25 at 4 p.m.

Hummelstown Office (232 Hershey Road)

Raffle Grand Prizes

1 Ticket = $1 6 Tickets = $5

Proceeds benefit:

Central PA Food Bank

No cost to attend, but registration is required.

Raffle winners will be drawn at HFCU’s Annual Meeting. Winners need not be present at the drawing. However, if the holder of the 1st ticket drawn is present at the drawing, he/she can pick the cash or the TV. The holder of the 2nd ticket drawn receives the remaining prize. Open to everyone. Membership not required to enter or win.

*This promotion only applies to deposits of $5 or more into existing accounts and opening a new youth membership. Limited to one “Youth Week” transaction during the week of April 23-27 2018. HFCU is federally insured by the National Credit Union Administration.

Come to the Hershey branch & enjoy snacks, games, contests, face painting & prizes! Not only that... if you’re a current HFCU member under the age of 18 and deposit $5 or more, HFCU will make a “Youth Week” deposit of $5 into your account.*

All new youth & teen memberships established during this week will receive a $10 “Youth Week” deposit.*

Youth Day

LG 55” Smart TV $500 cash

Annual MeetinghFcU’S SecUrity inFo cornerBy: nicole Smith

What do all of these items have in common? They are all a part of the ever common data breaches we so frequently hear about on TV. On December 20, 2017, it was reported that there were approximately 1,293 data

breaches that year. The data breaches resulted in roughly 174 million consumer records being compromised.

So far in 2018 a number of merchants have already been compromised; reported merchants are: Delta, Jason’s Deli, Aetna Insurance, FedEx, Orbitz, Saks 5th Avenue, Under Armour, and Panera Bread. Many of these data breaches were caused by payment system flaws stemming from outdated security patches, software, and card processing systems.

Here are some privacy tips to protect yourself and your personal information:

1. Check to see if your email has been hacked.2. Stop Automatic Wi-Fi Connections (fake ones do exist).3. Check to make sure your data has not been shared (check Terms of Service with service providers – many companies share your information with outside sources).4. Always enable Automatic Security updates on your electronics.5. Lock all devices (phones, tablets & computers – secure with a password, fingerprint, etc.).6. Start Shredding (shred any documents listing your personal information).7. Don’t accept credit card offers.8. Protect your children (children are 51% more likely to be targeted for identity theft).9. Keep your computer safe (restrict file sharing, use a firewall and antivirus software).10. Be careful on social media (limit what you share – many times fraudsters can use information from your social media accounts to learn answers to your security questions).

Remember – HFCU is always here to answer any of your questions. If you suspect your information has been compromised, call us immediately. Our primary goal is make sure our members accounts are safe.

SANDWICHES, INSURANCE, TRAVEL, AND

PACKAGES

Hershey office904 Chocolate Ave. Saturday, April 28

1:00 p.m. - 3:00 p.m.

OFFICE NOTESHoliday Closings & Events

HFCU offices will be closed on the holidays listed below. Please rememberthat you can use HFCU automated services 24/7 (Internet Branch, MobileBranch, Telephone access and Mobile Deposit Capture).

• Monday, May 28 - Memorial Day• Wednesday, July 4 - Independence Day

232 Hershey RoadHummelstown, PA 17036

PRST STD U.S. POSTAGE PAID

HARRISBURG, PAPERMIT NO. 488

Main Office232 Hershey Road • Hummelstown, PA 17036Phone: 717-533-9174 • FAX: 717-583-5234

Toll Free: 800-832-4328E-mail: hfcu@hersheyfcu.orgWeb Site: www.hersheyfcu.org

Hershey Branch904 East Chocolate Avenue • Hershey, PA 17033

FAX: 717-533-5241

Annville Branch710 East Main Street • Annville, PA 17003

717-868-3080 • Fax: 717-868-3083

OFFICE HOURSMon. - Thurs: 9 AM - 5 PM Wed: 9:30 AM - 5PM

Fri: 8 AM - 6 PM Sat: 9 AM - 12 PM

MERLIN - Telephone Access Service1-800-432-3207

HFCU Investment & Retirement Services717-533-9174 ext. 410

KASASAchecking with monthly rewards

is coming soon to HFCU