Spring 2013

In This Issue■ Great Rates On

Vehicle Loans

■ Pay For College The Smart Way

■ MasterCard® Credit Card Special

A Quarterly Publication For Members Of VAntage Trust Federal Credit Union

VAntage Trust Federal Credit Union

Clean Up Your Credit Score For Spring

Love Your Car, But Hate Your Loan?If you’re struggling because of a high interest rate auto loan from

somewhere else, it’s time to check out the alternatives at VAntage Trust FCU. Stop in and let us review your current loan. Chances are we can give you a better rate and lower your monthly payment.

Get A Great RateUntil May 15, 2013, you can refinance your vehicle with rates as low as 2.49% APR.* And, when you borrow $10,000 or more, you’ll receive a FREE $50 gas card. What better way to celebrate your new loan or vehicle!

New Vehicle LoansAs Low As

2.49%Terms Up To 72 Months

APR*

Used Vehicle LoansAs Low As

2.49%Terms Up To 60 Months

APR*

Spring can literally mean a fresh start for all of us – why not use the change of season to look for ways to improve your credit score? Your score is a number between 300

and 850. It’s calculated by using a standardized formula from information on your credit report. Financial institutions use your score to determine the risk associated with granting you a loan. Scores below 600 are considered poor. Scores above 720 are excellent.

Ways To Improve Your Credit Score• Payyourbillsontim.(Latepaymentswillloweryourscore).

• Ifyou’vehadtrouble,re-establishagoodtrackrecordofmakingpayments.

• Trynottouseallofyouravailablecredit.Forexample,ifyouhaveacreditcard,keep50%ofthelineopen.

• Startbuildinggoodcreditearlier.Thelongeryourcredithistory,thehigheryourscoremaybe.

• Avoidapplyingforlotsofnewcredit–thiscanloweryourscore.

• Secure“gooddebt”likemortgagesandautoloansfromreputablelenders.

• Avoidowingmoneytofinancecompaniesorpaydaylenders.Thiscanloweryourscore.

Review Your Credit Report AnnuallyVisit AnnualCreditReport.com for your free credit report. Not only can you see potential areas to improve, you can also check for possible fraud. If you need help understanding your report, stop in and we can review it with you.

Refinance And Save!Apply online at www.VAntagetrustfcu.org, call (800) 749-5290, or stop by any branch.

*APR=AnnualPercentageRate.Ratessubjecttochangewithoutnotice.Contactthecreditunionforcompletedetails.

Hurry! This offer ends May 15, 2013

Page 2

President’s Message

Since their inception, credit unions have existed solely to

serve their members. We’re not-for-profit financial institutions. Our directors are volunteers who serve without pay. Most importantly, we work for you, our members, not outside stockholders demanding profits.

You’ll see a consistent theme throughout this newsletter – ways we’re working to improve your financial well-being. Whether it’s a low-cost auto loan or credit card balance transfer – or just helping you to understand your credit report – we’re here for you. We’re also proud to now be partnering with Sallie Mae to offer low-cost student loans to members. With TheSmartOptionStudentLoanProgram, your student has access to a variety of options to finance his or her college education.

When you become a member of VAntage Trust FCU, you also become part-owner. You have access to a full range of financial services and so does your family. We encourage you to share the benefits of membership with relatives and co-workers. Let them know you’ve found a place to call home for your finances; not because the products are so very different from other institutions, but because the service is. We pride ourselves on putting you first. It’s part of the credit union philosophy of people helping people. Let us help with all of your financial needs today.

Regards,

Robert M. Burton

President/CEO

Pay For College The Smart WayHow To Pay Down Debt Faster

During the past year, more than 20 million students were due to enroll in U.S. colleges, requiring approximately $6 billion in private student loans. Through a

partnership with Sallie Mae,® we’re able to offer a new financing alternative for your student – The Smart Option Student Loan Program. After maximizing scholarships and federal loans, your student can borrow up to 100% of their school-certified education costs (minimum $1,000).

Smart Option Student Loan Benefits:• Choiceofcompetitivefixedorvariablerates,withthreeeasyrepaymentoptions:

oMonthlyinterest-onlypaymentswhileinschool.

oFixedmonthlypaymentswhileinschoolandduringthesix-monthseparationperiod.

oDeferredpaymentsuntilafterschool(fordegree-grantinginstitutions).

• In-schoolrepaymentoptionscanreducethecostoftheloanandhelpthestudentbuildcredit.

• ThestudentcanearnaUpromise®SmartReward®forpayingontime,anda0.25interestratereductionwhenmakingscheduledmonthlypaymentsbyautomaticdebit.

• Easyonlineapplication—itonlytakesabout15minutestoapplyandgetacreditresult.

• AssistancefromSallieMae’scustomerserviceandtechnicalassistancecenters.Studentscanalsomanagetheirloansonline,24/7,throughtheactivitycenter.

For details, visit www.VAntagetrustfcu.org or call us at (800) 749-5290.

We Protect Your Privacy

We have never shared non-public personal information except as required by law and we will continue to protect your privacy.

Categories Of Information That We May CollectWe collect non-public personal information about you from the following sources:n Informationwereceivefromyouonanapplicationorotherforms,suchas:yourname,

address,socialsecuritynumber,assets,andincome.n Informationaboutyourtransactionswithus,ouraffiliates,orotherssuchas:your

accountbalance,paymenthistory,partiestotransactions,andcreditcardusage.n Informationwereceivefromaconsumerreportingagency,suchas:yourcreditworthiness

andcredithistory.

Categories Of Information That We DiscloseWe do not disclose any non-public information about our members or former members to anyone, except as required by law.

Disclosure As Permitted By LawWe may disclose all of the information we collect, as described above, to service providers and companies that perform marketing services on our behalf (for example – check printing companies).

Confidentiality And SecurityWe restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. If you ever have questions or concerns about the integrity of your account information, please contact us.

BULLETIN BOARD

Holiday ClosingsMemorial Day Monday, May 27, 2013

Independence Day Thursday, July 4, 2013

Page 3

Checking + Direct Deposit:A Winning Combination

A VAntage Trust Federal Credit Union Share Draft/Checking Account is your better option to the high checking fees and service charges at other financial

institutions. Use the account to pay for purchases and bills, while you save on fees.

And, when you team your Checking Account with Direct Deposit, you’ll be even further ahead! Direct Deposit is the safest way to receive your pay. It’s quick and convenient, and lets you manage your money seamlessly.

Take Advantage Of All The Benefits Of VAntage Trust Checking• NOMinimumBalance

• NOMonthlyServiceCharge

• NOPerCheckCharge

• DirectDepositAndPayrollDeductionOptions

• FreeOverdraftProtection

• LowFeeOverdraftPrivilege

To open your account, stop by a branch, call (800) 749-5290, or visit www.VAntagetrustfcu.org.

Transfer Your Balances To A VAntage Trust FCU Credit Card

Is it time for some spring cleaning? Why not throw out those high rate credit cards and

start fresh with one of ours! A VAntage Trust FCU MasterCard® Credit Card offers many benefits, all of which will save you money.

MasterCard® Balance Transfer SpecialYour high interest credit card debt can soon be a thing of the past. Until April 30th, you can consolidate your debt by transferring other high rate balances to your VAntage Trust Credit Card at a low fixed rate of 4.99% APR.* You’ll enjoy this rate for the life of your balance. Plus, you’ll save with NO balance transfer fees and NO annual fee.

Apply TodayChoose from three versatile cards – Conventional, Gold, or Platinum MasterCard Credit Cards. One is sure to fit your budget and lifestyle perfectly. To apply, stop by a branch, call us at (800) 749-5290, or visit www.VAntagetrustfcu.org.

*APR=AnnualPercentageRate.Ratesaresubjecttochangewithoutnotice.Otherratesandtermsavailable.

Current Rates Dividend Rate APYShare (Savings) Account 0.100% 0.100%Share Draft (Checking) Account 0.000% 0.000%Holiday Club 0.100% 0.100%Vacation Club 0.100% 0.100%STEP Account 0.350% 0.350%

Certificate Rates Can Change Weekly, Stop In Or Call For Current Rates On 6 Month, 1, 2 And 3 Year Terms.

Money Market AccountsTier I $50.00-$1,000.00 0.150% 0.150%Tier II $1,000.01-$10,000.00 0.150% 0.150% Tier III $10,000.01-$75,000.00 0.200% 0.200% Tier IV $75,000.01 And Up 0.250% 0.250%

IRA Accounts Traditional, Roth And Educational 0.500% 0.500%

Loan Rates APRNew Vehicle Loans36 Months Zero Down Payment 2.750%-7.250%48 Months Zero Down Payment 2.750%-7.500%60 Months Zero Down Payment 3.250%-8.500%72 Months Zero Down Payment 3.750%-9.000%

Used Vehicle Loans36 Months 2004-2005 2.750%-7.250%48 Months 2006-2007 3.000%-7.750%60 Months 2008-Newer 3.500%-8.750%

New And Used Camper Loans (Secured By Title)STOP IN OR CALL FOR CURRENT RATES AND TERMS

Share Secured Loan 4.000%

Unsecured Loans1-2-3 Years 7.990%-12.490%4 Years 8.990%-13.740%5 Years 9.990%-15.240%

Fixed Home Equity84 Months 4.500%120 Months 5.500%180 Months 6.000%

Variable Rate Home Equity 3.750%First Mortgages Current Market RateMasterCard 12.000%Gold MasterCard 9.900%Platinum MasterCard 7.990%

(Rates effective 11/01/2012) Rates are subject to change.

Low Fixed Rate On All Balance Transfers

Until Paid In Full!

April 1-30, 2013

MasterCard®

Credit Card Special

4.99%APR*

Don’t Forget To Update Your Contact Info

Have you moved or changed your name, phone number, or email

address recently? Please make sure you update your contact information with us. Please call (570) 819-3337 to let us know where we can send your statements and other important news!

PRSRT STDU.S. Postage

PAIDLehigh Valley, PA

Permit #550

VAntage Trust Federal Credit Union

881 Mundy StreetWilkes-Barre, PA 18702

www.VAntagetrustfcu.org

S p r i n g 2 0 13

A Quarterly Publication For Members Of VAntage Trust Federal Credit Union

Nanticoke Office158 South Market Street

Nanticoke, PA 18634Phone: (570) 258-3200

Fax: (570) 258-3203Office Hours

Monday – Friday – 8:30 a.m. – 5:00 p.m.

Saturday – 9:00 a.m. – 1:00 p.m.

Hughestown/Pittston Branch405 Laurel Street

Pittston, PA 18640Phone: (570) 602-3650

Fax: (570) 602-3654

Office HoursMonday – Friday –

8:30 a.m. – 5:00 p.m. Saturday – 9:00 a.m. – 1:00 p.m.

VA Medical Center Branch2nd Floor • VA Medical Center

Wilkes-Barre, PAPhone: (570) 824-5546

Fax: (570) 820-7715Office Hours

Monday, Wednesday & Friday8:00 a.m. – 4:00 p.m.

Main Office881 Mundy Street

Wilkes-Barre, PA 18702Phone: (570) 819-3337

Toll-free: (800) 749-5290Fax: (570) 819-3366

Office HoursMonday – Friday –

7:30 a.m. – 5:00 p.m.Drive Thru open

Fridays until 5:30 p.m. Saturday – 9:00 a.m. – 1:00 p.m.

VAntage Trust Federal Credit Unionwww.VAntagetrustfcu.org

Vacation Loan SpecialAs Low As

3.99%Borrow Up To $5,000Up To 18-Month Term

APR*

Back by popular demand, VAntage Trust FCU is offering its low-rate

Vacation Loan Special from June 1 – August 31, 2013. Borrow up to $5,000 at rates as low as 3.99% APR*! You’ll also enjoy an easy repayment term of up to 18 months. Even if a vacation getaway isn’t in your plans, apply today and use the money any way you please!

*APR=AnnualPercentageRate.Ratesubjecttochangewithoutnotice.Contactthecreditunionforcompletedetails.

13-00163 3/13 Marketing Partners (888) 641-1215