This is the best way to keep current on the latest activities and news about credit union happenings.

hoursMonday - Friday:

8:30 a.m. - 4:00 p.m.

memBer telePhone serVice516-938-4077

locations777 Old Country Road Plainview, ny 11803

516-938-0300 Fax: 516-938-0311

1490 Franklin Avenue Mineola, ny 11501

516-573-7260 Fax: 516-573-7009

www.ncPdfcu.org

FEDERAL CREDIT UNIO

N

NCPD Bulletin Serving nCPD memberS anD their familieS SinCe 1940

HOT DAyS. CLEAR SKIES. LOW RATES. COOL RIDES!Auto loans as low as 1.75% APR*

Summer is a time for taking road trips, taxiing the kids around to summer activities, and enjoying a drive with the windows down. And that also makes now the perfect time for a new car!

Whether you need something bigger, more fuel-efficient or more sporty, nCPD FCu will put you in the driver’s seat with some of the best rates around:

Even if you already have the car you love, we could significantly lower your payments with a refinance! Stop by or give us a call to take advantage of our money-saving rates and easy approval process.

* APR=Annual Percentage Rate. Rates shown are as of June 12, 2017, and are subject to change. See current rates at www.ncpdfcu.org.

Holiday Closings:Independence Day: July 4

Labor Day: September 4

Discover the Credit Union Advantage

Facebook “f ” Logo CMYK / .eps Facebook “f ” Logo CMYK / .eps

follow us on facebook!

SUmmer 2017

ASK ABOuT An nCPD FCu

VACATIOn LOAn!Fixed rates as low as 5% APR

Borrow up to $5,000 for a maximum of 24 months.

New auto loans3-year 1.75% APR*4-year 1.89% APR*5-year 2.00% APR*6-year 2.10% APR*

Used auto loans2-year 1.99% APR*3-year 2.19% APR*4-year 2.29% APR*5-year 2.39% APR*

Message from the CEO

I hope your summer is off to a great start. While we can’t fix sunburns or tame the mosquito population, we can definitely do things here at nCPD FCu to help you enjoy a fun and happy summer. For one, we have plenty of money to lend for your vacation, a new car or deck, or any other plans you have for these warm months in new york. Secondly, we can save you a lot of money when you come to us versus going to another financial institution, so be sure to check our loan rates at www.ncpdfcu.org.

We can also help you look out for your money and your private financial information. We don’t want to see you unduly stressed, especially on a vacation! Please take extra precautions when it comes to your PIn, and let us know when you’ll be traveling out of the area so we can put a travel alert on your Visa® credit and debit cards. We’ve included timely articles in this issue about more things you can do to be financially prepared while you’re out and about, including how to safeguard your identity as well as make your money go further.

Wishing you safe travels,

Peter J. DittkoChief Executive Officer

BEFORE yOu GO...A financial checklist for travelersyou’ve planned every aspect of your summer vacation, double-checked your suitcase and memorized your itinerary. But have you put your finances in order? Keep your vacation stress-free with these tips:

Have multiple ways to pay

Be ready for any event by bringing different types of credit and debit cards with you, as well as a stash of cash. Only carry the items and cash you’ll need for the

day, and keep the rest in your hotel safe.

Alert financial institutions and credit card companies

Share your upcoming travel dates and locations with us at nCPD FCu so we can put a travel alert on your Visa credit and debit cards. Otherwise, your vacation

spending could look suspicious and get flagged as irregular activity, which could lead to a freeze on your account.

Check fees and restrictions

Don’t be surprised when your statement arrives. Know what to expect for foreign transaction fees and cash advance fees.

Consider a prepaid travel card

With the ease of plastic payments, traveler’s checks have declined in popularity. However, prepaid travel cards offer the same security and convenience as traveler’s

checks and are accepted worldwide. use a travel card in the same way you would a credit card and reload with funds as needed.

Monitor your finances on the go

Sign up for our Home Banking and download our mobile banking app for easy access and account management while you’re away. Stay on top of your transactions by

checking regularly for anything that looks suspicious – a good habit to always have!

Pack your NCPD FCU credit card

Our nCPD FCu Visa Platinum Classic and Visa Platinum Premium offer low interest, greater safety than carrying cash, plus you get one point for every dollar you

spend. Since you can redeem points for merchandise, travel, entertainment and more, it may even help you pay for your next vacation!

Bulletin Board

2016's Top 10

Best-Selling Vehicles

PLAn yOuR GETAWAyMoney-saving vacation loans and tipsWhether your ideal vacation is lounging poolside, climbing a mountain or touring historical sites, our new nCPD FCu vacation loans make it easy to get away! With rates as low as 5% APR,* we’re all about saving you money. Plus, here are some other money-saving travel tips:

Plan with online toolsBefore you buy plane tickets or make hotel reservations, check out online comparison tools and travel websites, such as Venere, Airbnb, Jetsetter and CheapOair. Coupons and discounts are often readily available – especially for last-minute travelers. If you book by phone, ask the desk agent to beat the online rate.

Make lunch your main mealLunches are often 30% cheaper than the same entrées on a dinner menu. Stock up on snack foods before you leave home versus buying them on the go in expensive tourist areas.

Travel off-seasonIf possible, travel just before or after peak season, depending on your destination. Prices are lower, and crowds are smaller.

Use surcharge-free ATMsnCPD FCu is part

of a network of 55,000 surcharge-free ATMs worldwide, so check locations to save money on fees. you can search for a nearby ATM right from www.ncpdfcu.org (click on the Allpoint™ ATM Locator at the top right of our home page).

And the winner is...Congratulations to Janet Duffy, the winner of last quarter’s contest. Janet’s $25 prize was deposited into her Share Savings Account.

10. nissan Rogue9. Honda Accord8. Toyota RAV47. Honda CR-V

6. Toyota Corolla5. Honda Civic

4. Toyota Camry3. RAM Trucks

2. Chevrolet Silverado1. Ford F-Series

Source: www.businessinsider.com, January 7, 2017

COMInG SOOn: GET SuRCHARGE-FREE ACCESS TO yOuR MOnEy, ALMOST AnyWHEREWe are pleased to announce that nCPD FCu is joining the CO-OP® ATM network.

The CO-OP ATM network offers nearly 30,000 surcharge-free ATMs, including ATMs at other credit unions belonging to the CO-OP network. The surcharge-free ATMs are located in all 50 states and 10 countries – an ATM network that’s larger than almost any bank’s.

find a co-oP network surcharge-free atm:

• atm locator online at co-opcreditunions.org/locator

• text a zip code to 91989

• call 1-888-site-co-oP (888-748-3266) to find a location by telephone

We know that you need easy access to your accounts wherever you live, work, or travel. Experience the convenience of having access to over 30,000 surcharge-free ATMs and enjoy the credit union difference.

Please check our website or ask a member services representative at one of our locations for the date that we join the CO-OP network.

See NCPD FCU for a

low-rate auto loan!

Concerned that your

old car won't make it

on your road trip?

Talk to NCPD FCU about how they can help with my short- and long-term goals.

Board of DirectorsPresident

William McHale

Vice PresidentDevin Ross

treasurer/secretaryDennis Barry

directorsJohn Berry

Wayne F. Birdsall Tim Mensch

Pat Rail Robert R. Reed

Wayne Hartmann

director emeritusEdward H. Proctor

Supervisory Committeechairman

Anthony Gambino

Lorraine Hannon Matthew McCartin

Edward Schmitt

Credit Committeechairman

Wayne F. Birdsall

Tim Mensch Robert Reed

Administrationchief executiVe officer

Peter J. Dittko

chief financial officerWilliam Mackey

chief comPliance/ oPerations officer

Regina Hassard

comPliance/oPerations suPerVisorKaren Allen-Gomez

mineola Branch managerBetsy Schwabacher

Office StaffBryan BragmanLisa CiangettiPam CollinsKate Josefak

Robert MakleyValerie MassaroSandra MorrisLinda OakleyAlyson Parr

Laura PellechiaMary Ann SullivanPatricia ToscanoMaria Varrichhio

Susan WenzColleen Worrell

E-Z PuZZ EnTRy FORM

D S K O O B T X E T F K R

X R u C R E D I T C A R D

T V A P E F u T u R E F G

H C y C J G P E E O R M L

V L V T T E D V X E S H X

A A D A K I H E E Q M B F

X S D J A R B A L Z B W y

V S O B C S T E L W P S B

Q E R L T M K u D T O W P

u S M P S u V I E S Q n M

G n I K n A B E M O H V K

V F u F X n Z R I I u W T

L R I A E G E L L O C T P

Enter 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 August 15, 2017. 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.

COLLEGE KnOWLEDGE FuTuRETEXTBOOKS CLASSES DORMDEBIT CARD CREDIT CARD HOME BAnKInGFREE ATMS

nAME

ADDRESS

PHOnE EMAILDetach and return to 777 Old Country Road, Plainview, ny 11803, ATTn: Marketing Department

HAVE A COLLEGE-BOunD STuDEnT?Send along our debit or credit cardBefore your college-bound son or daughter heads off to school this fall, stop by nCPD FCu for a debit or credit card to ensure accessibility to the cash they need on campus. Students can easily manage their accounts wherever they are, 24/7, through our Home Banking.

need some help with tuition, books or just some extra things to make their dorm room feel more like home? We also offer personal loans for up to $30,000 that you can use for almost anything – and your signature is as good as cash at nCPD FCu! Check out our very competitive rates at www.ncpdfcu.org.