Member Connection - Fall 2005

• Holiday Loan Special!
• Holiday Club News
• Fall Loan Sale!
• A Message From Your CEO
• Holiday Closings
• The Great Signature Loan Sale!
• Help Our Membership Grow And Earn Rewards!
• The Ultimate In Convenience!
• Hand-Picked Harvest Inventory Reduction Sale!

Holiday Loan Special!

Could you use a little extra holiday cash? Our Holiday Loan is the answer! Take advantage of our great low rate to help pay for gifts, holiday travel, a New Year’s Eve getaway and more! We can help make this holiday season a memorable one!

Applying Is Fast And Easy!
Stop by the credit union or call (212) 279-8334 for more information and to apply. Enjoy the savings – apply today!

*APR=Annual Percentage Rate. Rate subject to change without notice. Contact credit union for complete loan details.

Skip-A-Loan Payment For Extra Spending Cash!
Skip-A-Loan Payment this fall and put some cash in your wallet! Take a break and use the extra money to take a vacation, make home improvements or for holiday spending.

You can skip a payment anytime throughout the year. All New York Metro FCU Loans are eligible and the fee is only $30.00 per loan. Stop by the credit union today and skip a loan payment to put some extra cash in your wallet!

All 2005 Holiday Club Accounts will be transferred to member Share Savings Accounts in the beginning of October.

Open Your 2006 Holiday Club Now!
Make sure that next year’s holiday season is everything you hope it will be. Plan ahead with a 2006 Holiday Club Account. Start saving now for next year’s family ski trip or a romantic getaway for two. Or you can start saving for a special gift for that special someone. Come in today and we’ll be happy to help you open your 2006 Holiday Club Account.

Due to the overwhelming response of our Summer Loan Sale, we have extended these great loan deals through the end of the year. Whatever your reason, we have a loan solution to fit your budget and lifestyle. But hurry, these offers end December 31, 2005! Apply today and rake in the savings during our Fall Loan Sale.

Fall is here, the weather is getting cooler and school is back in session. As the Back-To-School season approached this year, I was reminded of my own children’s school years. Having put two children through college, I understand the financial hardships that a college education can present. This is why New York Metro FCU has a variety of product options to help offset the expenses of a college education.

Funding a college education requires a great deal of advanced planning and it’s never too early to start saving. We can help you set up an Educational Savings Plan to start saving for your child’s future today.

The cost of higher education is continuously rising and parents are faced with many unexpected expenses in addition to tuition charges. As a result, a Savings Plan isn’t always enough to cover all of the expenses. Get the additional funds you need with a Student Loan through Sallie Mae or a Home Equity Line of Credit.

We understand that everybody’s financial situation is unique. Regardless of your budget, we are sure to have a solution to help finance your child’s college education. We are here to help make sure your children have the best educational opportunity possible to help them achieve future greatness.

Sincerely,

Denis Reilly, CEO

The credit union will be closed to observe the following holidays:

The Great Signature Loan Sale!

Our Signature Loan gives you a great loan at a low rate. Borrow up to $15,000 for any reason at all. Take that dream vacation, fix up your home, pay college tuition, consolidate your bills – or do anything else you’d like to do. It’s your all-purpose loan solution featuring a low rate and flexible repayment terms to help you make your dream come true.

Apply Today!
Stop by or call (212) 279-8334 for more information and to apply.

*APR=Annual Percentage Rate. Rates and terms are subject to change without notice. Contact the credit union for complete loan details.

Help Our Membership Grow & Earn Rewards!

Did you know that when a new member joins the credit union, every member benefits? Not only can we offer lower rate loans and higher rates for investments to existing members, but new members also benefit from all the money-saving products and convenience services they’ve been missing out on.

The Ultimate In Convenience!

We know how busy your life can be. That’s why we offer these convenient services to make managing your finances quick and easy:

Online Banking And Bill Pay – Access to your credit union account is just a click away. View account balances, transfer funds between accounts, review your account history, verify cleared checks, apply for a loan and more! Plus, get peace of mind knowing your bills are paid on time, every time with our Bill Pay Service.

VISA® Debit Card – The New York Metro FCU VISA Debit Card opens up a whole new world of convenience and purchasing possibilities. Accepted anywhere you see the VISA logo, the Debit Card can be used to make fast and easy purchases without writing a check. You can also use the Debit Card to verify balances, withdraw cash or transfer funds at ATMs across the country. There are over 400 surchargefree ATMs available in the Tri-State area alone.

Direct Deposit – Deposit your net pay, Social Security or pension checks into your credit union account. It’s the easy, safe and convenient way to deposit your checks. Your money is automatically transferred and immediately available every pay period.

Sign Up Today!
Stop by the credit union or call (212) 279-8334 to learn more and sign up for these convenient services!

1Prices valid 9/23/05 - 9/24/05 and does not include tax, title, tags document processing fees, governmental fees, any emissions testing charges, and any finance charges (if applicable). Quantities are limited. Pictures are representative of vehicles available. Used vehicles previously part of Enterprise short-term rental and lease fleet or purchase by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. Contact an Enterprise representative or call 1 800 car sales for details. 2Offer void when 7-day Repurchase Agreement is activated. No cash advances. New York Metro Federal Credit Union will deposit up to $400 to a New York Metro Federal Credit Union savings account within 14 business days of vehicle purchase period. Offer not valid on previous Enterprise purchases. Not valid with any other Enterprise Car Sales offer. Offer good only on Enterprise Car Sales vehicles purchased 10/1/05 - 10/31/05.
The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are registered trademarks of the Enterprise Rent-A-Car Company. ©2005 Enterprise Rent-A-Car Company.