october 2012

FALL MEMBER SPECIALS

Highlights

Save money 2.99% APR¹ introductory Visa® cards (for nine months)

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Find Hidden Cash ATM skimmer fraud HARP: home refinance help

Save on holiday shopping. Choose from a variety of cards designed to meet your needs. Our cards offer: • No annual fee

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• No balance transfer fee

Your Finances, Your Future Buy Local discounts Need holiday dough?

• Variable rate after the introductory period as low as 7.99% APR²

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MyTimes discounts $1,000 complimentary insurance 2 members win $100

Special Insert BOD Election Preview

FREE MONEY MANAGEMENT HELP

• Zero Liability

2.99%

• And more

Introductory APR1

Hurry — offer ends December 31, 2012. Visit APGFCU.com for details. ¹Introductory APR for the first nine billing cycles for new accounts only. After that, your APR will be based on your credit worthiness and product type and will vary with the market based on the Prime Rate. ²Rates based on creditworthiness, so not all applicants will qualify for the lowest rates.

Make money Free Checking (Yes, really free!) Plus, cash and cool prizes. Hurry — offer ends December 31, 2012. Visit APGFCU.com for details.

Colleen Knopp

Sharon Gustafson

Colleen Knopp and Sharon Gustafson, APGFCU’s certified budget advisors, can help you: • Improve your personal finances • Review your credit report • Prioritize bills To set up your free appointment, call 1-800-225-2555, and press four, or visit APGFCU.com.

Win thi s!

APGFCU named a 2012 “Top Pick for Free Checking” by NerdWallet®, an unbiased personal finance website committed to promoting consumer-friendly banking. Visit nerdwallet.com.

OCTOBER IS MEMBER APPRECIATION MONTH Thank you for choosing APGFCU

Join us in October as we show our appreciation for you, our members. • Shred-It Day, Saturday, October 13, 9:00 a.m. – 1:00 p.m. Aberdeen, Edgewood, Elkton and Forest Hill • Free treats in branches • Enter to win your own personal shredder Visit APGFCU.com or any branch for details. Love your credit union? Refer a friend and win $100! See page 2 for details.

Your credit union was voted Harford County’s 2012 Outstanding Business Philanthropist.

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FREE FINANCIAL GUIDANCE Credit Finesse

Tuesday, October 16, 2012 6:00 p.m. – 8:00 p.m. Harford Habitat for Humanity Offices 205 Hays Street, Bel Air, MD 21014 Credit, it’s hard to get through life without it. Learn to: • Establish and maintain your good credit name • Strengthen and rebuild your credit • Review a credit report and credit scores • Get your free credit report

Find Hidden Cash

Tuesday, October 30, 2012 6:00 p.m. – 8:00 p.m. Harford Habitat for Humanity Offices 205 Hays Street, Bel Air, MD 21014 Do you have a budget and still find yourself short on cash? Learn to: • Save and stretch your hard-earned dollars • Find extra cash in your budget Reserve a space, call 410-612-2361 or [email protected].

Save the date —

upcoming workshops Nov 06: Financial Life Skills Nov 20: Budgeting Dec 04: Credit Finesse Dec 18: Find Hidden Cash

CONNECT WITH YOUR MONEY 24/7 Can’t make it into a branch? Save time and manage your money 24/7 with: • Free Online Banking • Free Bill Pay • Free Mobile Banking • Free eStatements

Get text and email account updates! Sign up at APGFCU.com, Online Banking. 2 | APG Federal Credit Union

Refer a Friend & Win Some Benjamins More referrals = more chances to win

We’re giving away two $100 Visa® Gift Cards in October! The more new members you refer, the more chances you have to win. Share the wealth — and the benefits of membership. Pick up a Referral & Entry Form in any branch or download one on APGFCU.com. 14 members have won so far! See recent winners on page 4. For complete rules, visit APGFCU.com.

ACCOUNT NEWS

Remodeled Aberdeen branch lobby

You asked, we answered! See the new teller line at the Aberdeen branch. Thank you for your patience during the transition.

RECOGNIZE THE LATEST SIGNS ATM Skimmer Fraud

Card readers attached to automated teller machines (ATMs) are being rigged to skim cards. A “skimmer” is mounted to the front of the ATM card slot, reads the ATM card number, and transmits it to criminals nearby via bluetooth technology. Thieves then produce the cards and use them to withdraw money from the account. Be on the lookout for foreign devices attached to the ATM. If you are unsure, then don’t use it. To learn more visit APGFCU.com, or call 410-272-4000, and press four. Your security is our priority.

HOME REFINANCE HELP Save money with HARP

Struggling to make mortgage payments? The government’s Home Affordable Refinance Program (HARP) offers assistance to homeowners who: • Are current on their mortgage, but do not qualify for a traditional refinance due to a loss in the home’s value. • Have little or no home equity. • Want to refinance to a lower interest rate. Borrowers may be eligible for HARP if their loan was sold to Fannie Mae or Freddie Mac before June 1, 2009. To learn more, visit MakingHomeAffordable.gov, or call APGFCU’s mortgage consultants at 1-888-562-6391.

SAVE THE DATE

Your Finances, Your Future conference Saturday, October 27, 2012 • 8:45 a.m. – 2:00 p.m. Cecil College, Technology Center Plan for a successful future, today. Breakout sessions with local experts who will help you plan for: • Retirement (Ages 18-39 and 40+) • Investments • Estate planning • College costs • First-time home buying • Insurance Social Security for Baby Boomers Plus, free lunch and gifts! Adults only. Reservations required. Seating limited. To reserve your space, please call 410-612-2361 or [email protected].

Give a Gift that Gives Back

Holiday plush animals & cookbooks on sale Give yourself or a loved one a great holiday gift while you help deserving local kids. • Adorable plush holiday animals, only $5 and $6 each. • Cookbook with 400 recipes, only $11 each. All proceeds benefit the Boys & Girls Clubs of Harford and Cecil counties. Purchase at any branch.

SAVE ON HOLIDAY SHOPPING With Buy Local

Get exclusive discounts at your favorite local stores. Visit APGFCU.com for the complete list.

Member Loan Special Holiday Loan

Need more dough this holiday season? An APGFCU Holiday Loan is an easy, secure and convenient way to cover and manage your expenses. It’s a sweet deal. • Borrow up to $1,500 for • 12 months at • 12% Annual Percentage Rate (APR)¹ Get the dough you need for gifts, decorations, travel and more. Available through December 31, 2012. Apply 24/7 at APGFCU.com.

HAVE A MONEY MANAGEMENT QUESTION? Ask Tina Mike AVP Financial Education

Certified Credit Union Development Educator, National Credit Union Foundation We want to renovate our home. So, we need to find a contractor and secure a loan. Where should we start? How exciting! Start by researching contractors and loan options. Visit APGFCU.com, FoolProof®, MoneyWi$e, Consumer Guides, then Homeowner’s Guide for tips. APGFCU offers a wide variety of loans to fit your project and budget. All I hear about are financial scams. How can I avoid being a victim? Good job for being proactive! At APGFCU, your security is our priority. We provide consumer updates on the latest scams and fraud in the Personal Security section of APGFCU. com. Also, check out “Scambusters” in FoolProof’s MoneyWi$e, GenY with Will column. Is it true that the Federal Student Loan program recently changed? Yes, some changes were made, but there are still some proposed changes. Here’s what I suggest: 1. Read the FoolProof article, “The Federal Student Aid System is Changing. How Will You be Impacted?,” found in MoneyWi$e, under Nick’s News. 2. Contact your student loan lender to ask if faster, money-saving repayment options are available. Do you have a money management question? Submit your question(s) to [email protected]. Questions and answers may appear in future newsletters. We will not publish member information.

¹Limited time offer. Available only to members in good standing with an account opened for at least a year. Verification of source of income required.  Certain restrictions apply and subject to credit approval.  Estimated payment for a $1,500 loan at 12% APR for 12 months is $133.28.

APG Federal Credit Union | 3

Holiday Closing • Monday, October 8, 2012, for Columbus Day • Monday, November 12, 2012, for Veterans Day • Thursday, November 22, 2012, for Thanksgiving Day Account access is available at APGFCU.com, Mobi.APGFCU. com, through your 24-hour Telephone Teller (ABBY) and our network of ATMs.

P.O. Box 1176 Aberdeen, MD 21001-6176 APGFCU.com Mobi.APGFCU.com 410-272-4000 1-800-225-2555 Visit APGFCU.com for branch hours and locations

Member Service Center: M-F 8:00 a.m. - 8:00 p.m. Sat 9:00 a.m. - 1:00 p.m.

Home Loan Center:

M-Th 8:00 a.m. - 5:30 p.m. Fri 8:00 a.m. - 6:00 p.m.

MYTIMES

$1,000 complimentary insurance As a member, you’re entitled to $1,000 of free Accidental Death and Dismemberment (AD&D) Insurance coverage from Affinion to help you and your family in the event that you suffer a disabling or fatal injury. APGFCU pays the initial premium. To accept your complimentary AD&D Insurance, or to find out more, visit APGFCU.com, under Investments & Insurance, or call Affinion (toll-free) at 1-800-860-7182. This insurance product is not a deposit or other obligation of, or guaranteed by, the credit union and is not insured by the NCUA/NCUSIF.

Plus, as a MyTimes member, you have automatic access to free and discounted products and services: • Free American Express® Travelers’ Cheques • Free ATM access to APGFCU network of ATMs and the Allpoint® Network (out-of-network fee still applies) • Free incoming wire transfers • And much more For details, visit APGFCU.com, Member Benefits, Benefits Programs.

ABA Routing & Transit Number: 255075576

(use this number to arrange electronic fund transfers) Operation Statistics as of:

August 31, 2012

Assets $918,895,023.01 Loans $624,172,340.25 Shares $828,024,118.62 Members 96,671

MAKING A DIFFERENCE IN OUR COMMUNITIES Refer a Friend contest winners

Ann Marie Helgason of Abingdon, and Brandon Ruble of Bel Air, were each awarded a $100 Visa® Gift Card when they referred others to join. Congratulations! The contest is ongoing, so you can refer a friend and win, too! See page 2 for details.

APGFCU is not affiliated with any non-APGFCU Internet sites listed in this newsletter. These sites are provided as reference only. APGFCU makes no representations about the content on these sites or subsequent links from those sites. Federally insured by NCUA

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Ann Marie Helgason

Susan Baroch, APGFCU teller, with Brandon Ruble

Aberdeen Proving Ground Federal Credit Union

2013 BOARD OF DIRECTORS ELECTION PREVIEW Presenting Your Five Candidates

Members will vote for four (4) candidates. Each person elected will serve a threeyear term. Ballots will be mailed to you in January 2013 with your fourth quarter statement. Voting will begin January 4, 2013. You can vote by electronic device, return your ballot by mail or drop it into a ballot box at any APGFCU branch. The results of the election will be announced at the Annual Meeting on Thursday, April 18, 2013, at the Richlin Ballroom in Edgewood, Maryland. Watch for more details about the Annual Meeting on your ballot and in upcoming issues of the member newsletter. Biographical information supplied by the candidates. APGFCU does not endorse any candidate. The order of the candidates was chosen by lots.

SANDRA J. SASSER

Actively participated since 1983 in credit unions and the “Members Helping Members” philosophy. I currently serve as an Associate Director and I volunteer on the Community Involvement and Volunteer Recruitment Committees. Previously, I served on the Planning/Budget/Asset Liability Management, Human Resources and Supervisory Committees. “I encourage member participation in credit union services.  I believe an active membership can increase personal financial knowledge and wealth and benefit the growth of APGFCU and the community’s well-being.”

BARRY D. DECKER

Currently serve as Vice Chairman of the Board of Directors. Graduate degree in Management. Over 25 years of credit union volunteer experience serving on Human Resources, Credit Appeals, Planning/Budget/Asset Liability Management, Technology, and Executive Committees. I retired after 46 years of federal service in the US Army as a Command Sergeant Major and DA Civilian. If re-elected, I will continue to represent you in maintaining a safe and sound financial institution.

WAYNE G. TAYLOR

I am an Army veteran, safety professional, and volunteer (St. Paul’s Lutheran Church, Concord Point Lighthouse, APGFCU). I have been an APGFCU volunteer since 2005 and served on numerous committees. Currently an Associate Director, I wish to do more for you by being a full member of the Board. Vote for me and I will work to make APGFCU as strong as possible!

MICHAEL L. DIXON

“Honored and proud to volunteer; and serve the APGFCU members and represent their interests for over 10 years.” Elected to the Board of Directors in 2010. Currently serving as Chair of the Technology Committee and as a member on the Planning/ Budget/Asset Liability Management and Bankruptcy/Charge-off/ Delinquency Committees, keeping APGFCU strong. Retired from Army as a Lieutenant Colonel; presently employed as an Army Civilian at APG. Degree in National Security from West Point.

WINDSOR L. JONES

Established membership with APGFCU in 1987.  Currently serving a fifth term as a Board member with over 18 years of experience as a volunteer.  Have served on the Executive, Human Resources, Community Involvement, Credit Appeals, Bankruptcy/ Charge-off/Delinquency, and Technology committees.  I hold a BS in Mathematics and a MS in Operations Research. “As a credit union member, I will continue my volunteer work to ensure the safety and soundness of our financial institution.”

OFFICIAL ELECTION RULES The following are the official rules, according to the APGFCU Bylaws, for nomination of officials for the election to the Board of Directors. Any further nominations from the membership must be made according to the rules and deadline dates below.   1. At least 120 days prior to the Election, the Chairman of the Board shall appoint a Nominating Committee of not fewer than three members.   2. The Nominating Committee shall nominate at least one member for each vacancy, including an unexpired term vacancy for which elections are being held, plus at least one more candidate.   3. The Nominating Committee shall file its nominations with the Secretary of the Board at least 90 days prior to the Election. Prior to filing, the committee shall determine that the members nominated are agreeable to the nomination and will accept office if elected. Written notice must be sent to members at least 75 days prior to the Election. THIS IS YOUR NOTICE.   4. Nominations for vacancies may also be made by petition signed by one percent of the membership (96,671 members as of August 31, 2012) or 500 members, whichever is less. Each candidate must present a separate petition. a) Such petitions must be filed with the Secretary of the Board at least 40 days prior (November 25, 2012) to the Election. b) To be effective, such nominations shall be accompanied by a certification from the nominee or nominees stating that they are agreeable to nomination and will serve if elected to office. c) Each nominee by petition shall submit a brief statement of qualifications and biographical data with the petition. d) To be valid, all signatures must be accompanied by a printed last name.   5. The Secretary shall cause all nominations to be posted in a conspicuous place in each Credit Union office at least 35 days (November 30, 2012) prior to the Election.   6. All elections shall be determined by a plurality vote and will be conducted by electronic device or mail ballot.   7. Voting shall be by members only. Only a person who has completed an application and has been accepted for membership is eligible to vote or sign a petition for nomination, provided that member is at least sixteen (16) years old.   8. In defining membership, the Federal Credit Union Act states, “Shares may be issued in joint tenancy with right of survivorship to any persons designated by the credit union member, but no joint tenant shall be permitted to vote, obtain loans, or hold office, unless he is within the field of membership and is a qualified member.”