SummerFunSummerFunSummerFun

Easy Breezy

See page 3

Paying for College the Smart Way Page 2 NEW Student Loan

GOOD THINGS TO KNOW to help you to BANK HEALTHY Page 3

Don’t Tax my credit unionPage 4

JULY AUG Sept ‘13

‘Balance Track’ a Tool to Help You Bank Healthy Page 3

iPad Mini Giveaway email signup promotion Page 4

Pulse

PResIDeNT’s MessAGe

New services to simplify your life.

Life can be challenging, so our philosophy is that your banking shouldn’t be. That’s why, at HealthCare Associates Credit Union, we pride ourselves on providing members with the best services. As the year rolls on, you can rest assured that we’ll continue to add features to our services that will make your life easier.

HealthCare Associates’ Mobile Banking is like having the convenience and security of our Internet Branch in the palm of your hand. As long as you’re an Internet Branch user and have a Smartphone or tablet with Internet access, you can view your accounts, pay bills, transfer funds, and find the nearest surcharge-free ATM. You can also use the service through a simple App for your iPhone or Android phone.

Mobile Deposit with DeposZip – perhaps the single most requested new service in recent memory – has been wildly popular. If you are an Internet Branch user and have a Smartphone or tablet, you may be eligible for this service that allows you to deposit checks electronically. Simply take a front and back picture of your check, upload it to our system with your Smartphone and the latest version of our HACU Mobile App, and “Wow!” the funds show up in your account. With the same account protections as our regular online home banking, it’s easy and safe – and all without having to drive to a branch.

Speaking of things new, HealthCare Associates is pleased to welcome into our family all of the nearly 2,000 employees and physicians of Little Company of Mary Hospital and Health Care Centers. This new affiliation comes after the merger of Little Company of Mary Employees Credit Union with HealthCare Associates. We are pleased to have you all on board – and now your family members can also join the credit union.

There’s always something new at HealthCare Associates and we look forward to helping all of our members to bank healthy.

Joseph J. Kregul

President/CEO

Paying for College

the Smart WayHealthCare Associates Credit Union is proud to announce a new student loan opportunity.  This loan is available to our members attending college, members with children attending college, as well as members’ family members.

As college tuition costs continue to rise, more students are in need of private student loans to help fund the gap between financial aid and college expenses.  With the Smart Option Student Loan® from Sallie Mae® in partnership with HealthCare Associates Credit Union, you can choose from three in-school repayment options to help you pay off your loan faster and save money compared to the conventional private loan. By offering interest rates among the lowest in the country, the Smart Option Student Loan enables you to choose to make payments while in school and graduate with less loan debt or defer your payments and enjoy more flexibility while in school.

• Interest Repayment Option – Take advantage of a shorter loan term and maximum savings on your total loan cost.

• Fixed Repayment Option – Pay a small fixed monthly payment while in school to take advantage of a shorter repayment term and save on your total loan cost.

• Deferred Repayment Option – Defer payments until after school, or pay as much as you want while in school, to enjoy maximum flexibility while still paying off faster than the conventional private education loan

Features and benefits of the smart Option student loan® include:

• Interest rates among the lowest in the nation• Borrow up to 100% of school-certified education costs

(minimum $1,000)• Rewards for on-time payments and automatic

payment plans• Applying with a creditworthy cosigner may help

applicants qualify and receive a lower rate• Fast online application • No prepayment penalty• No application or disbursement fees

Seeking higher education is an exciting and valuable experience, and we want to help make it happen.

Together we can do this. Find resources for navigating the college application process, learn more about the Smart Option Student Loan, and

apply at http://www.salliemae.com/smartoption/hacu.

TheEasyBreezywaytogetthecashyouneed

APR = Annual percentage rate. Rates may vary based on credit history. Applies to new money only. Personal Signature Loan available for loan terms up to 60 months. Estimated monthly payment on 24 month loan at 6.90% APR = $44.73 per 1,000 borrowed. Estimated monthly payment on 60 month loan at 9.90% APR = $21.21 per 1,000 borrowed. Limited time offer. Ask a member service specialist for details or apply online.

It'sfinallyhere!

6.90%*

Vacation, Consolidate Debt, or whatever you need the money for.

APR

Fixed rates as low as

What can I do with Internet Branch? Youcanviewaccountbalancesandtransactionhistory,transfermoney,viewcancelledchecks,downloadtransactionstoapersonalfinancialmanagerandmuchmore.CheckouttheInternetBranchDemoatwww.hacu.orgtoseethefeaturesofInternetBranchandhowyoucanpersonalizeyouronlinebankingexperience.

What is the difference between direct deposit and payroll deduction? DirectdepositmeansthatyouaredepositingyourentirecheckintoyourCreditUnionaccount(s).PayrolldeductionmeansthatyouaredeductingaportionofyourpaychecktodepositintoyourCreditUnionaccount(s).

Why should I open an HACu Checking Account? It's FRee AND you get ReWARDs. Freechecks,freeVisa®CheckCardwithRewardsPointsandabroadrangeoffreee-servicesthatwillmakeyourlifeeasier.

How do I redeem my Reward Points?• LogintoInternetBranch.• ClickonRewards Pointsinthenavigationbar.• ClickonthelinktoviewyourRewardsPoints.• ClickonOrder AwardandthenGift Certificates.• ChooseyourgiftcertificaterewardandclickonOrder

Gotohacu.org/pulseandenteryouremailaddresstoreceiveexclusivetimeandmoney-savinginformation.

Source: © 2013 BALANCE

HealthCare Associates Credit Union is dedicated to helping you realize your financial goals and bank healthy. Try BalanceTrack, an online personal finance education center, we provide for free to our members.

BalanceTrack allows you to explore all of the essential elements of personal finance.

• Money Management• Credit Matters• Checking Account Management• The Road to Homeownership• Identity Theft• Financial Planning• Smart Tax Planning• The Basics of Investing• Teens and Money• Finances for College Students• Repaying Student Loans• Financial First Aid

www.balancetrack.org/partners/hacu

888-456-2227toll free for more information.

Personal Finance Education Center

BalanceTrack®

2.95%*

APR

Fixed rates as low as

Motorcycle, Boat & RV special.

*APR=Annualpercentagerate.Ratesmayvarybasedoncredithistory.Appliestonewmoneyonly.RecreationalLoansavailableforloantermsupto60months.Estimatedmonthlypaymenton36monthloanat2.95%APR=$29.06per1,000borrowed.Estimatedmonthlypaymenton60monthloanat3.25%APR=$18.08per1,000borrowed.Limitedtimeoffer.

It’s toy time!

677680

Internet Branch hacu.orgPay bills, check balances & learn more

Telephone Teller 630.276.5726 or 800.213.6445 (outside Chicagoland)

Call Center 630.276.5555 or 800.942.0158 (outside Chicagoland)

CAmpAigN

Source: www.donttaxmycreditunion.org/learn-more/

CReDIT uNIONs are DIFFeReNT for a

reason. If you like the DIFFeReNCe, you can MAKe a DIFFeReNCe!

Visitwww.DontTaxMyCreditUnion.org.

Credit unions promote the economic well-being of our members, especially those of modest means, through a system that is member-owned, volunteer-directed and not-for-profit.

The credit union mission has always been to ensure secure financial choices at lower costs for our members. That’s why credit unions offer financial products that provide better returns on savings, reduced rates on loans and lower or no fees on services.

While credit unions are regulated by the federal and state governments, they are also governed by volunteer boards elected by their membership.

Credit unions don’t answer to stockholders, but to each of their 96 million members. Credit unions invest in people by helping those who have been traditionally underserved by banks. Groups like seniors on fixed incomes, single working moms, minority communities needing greater community investment, and small business owners struggling to raise capital all rely on credit unions for important financial services at reasonable costs.

While the big banks have abandoned

small businesses in droves because they just can’t make enough money, credit unions promote their small business members in a struggling economy by providing low cost credit alternatives. This credit union investment means millions of jobs across America.

Unfortunately, the big banks and some in Congress want to raise taxes and impose new fees on 96 million credit union members who represent 40% of all Americans, yet represent only 6% of the assets in financial institutions. And, they want to do this despite the fact that credit unions are not-for-profit and meeting their core mission every day.

That’s wrong and will imperil the credit union movement that so many have come to depend on for real financial choice.

Don’t let Congress raise taxes on 96 million credit union members. Don’t let Congress eliminate real financial choice. Don’t let Congress destroy our credit unions.

HealthCare Associates Credit Union wants to continue to give our members the best financial options we can.

Help us win this fight!www.donttaxmycreditunion.org/take-action/

Naperville Branch1151 East Warrenville Rd. Naperville, IL 60563

Des Plaines Branch 249 South River Rd. Des Plaines, IL 60016

Oak lawn Branch9640 South Pulaski Rd. Oak Lawn, IL 60453

Winfield Branch27W460A Chicago Ave. Winfield, IL 60190

st. Bernard Hospital326 West 64th St. Chicago, IL 60621 (restricted access)

little Co. of Mary Hospital2800 West 95th St. Evergreen Park, IL 60805 (restricted access)

This newsletter is a quarterly publication of HealthCare Associates Credit Union. The credit union reserves the right to add, change or delete services in accordance with applicable regulation; and all rates and terms are subject to change without notice. HACU is not responsible for omissions, errors or other information inconsistent with policy.

EnteryouremailforachancetoWinan iPad miniIt's Easy to Enter:Completetheemailsignupatwww.hacu.org/pulse

Apple and iPad Mini are registered trademarks of Apple Computer, Inc. Apple®, does not sponsor this promotion and is not affiliated with HealthCare Associates Credit Union, and does not sponsor, endorse, approve or have any responsibility for this promotion. HACU member must enter a new and valid email address to qualify. Visit hacu.org for a complete list of rules. Promotion begins July 1st and ends August 31, 2013.