PRSRT STD U.S. POSTAGE

PAID SAGINAW, MI

PERMIT NO. 52

A Publication for Members of Northrop Grumman Federal Credit UnionA Publication for Members of Northrop Grumman Federal Credit Union

November 2005November 2005

AUTO LOANS: We’ll Steer You In The Right Direction

Here at Northrop Grumman Federal Credit Union, we’re in business to help you succeed – so our auto loans give you more for your money.

Right now we have rates as low as:

We will set up terms to fit your budget, with a competitive low rate to keep your payments affordable. We can usually fi-nance 100% of the purchase price, so you don’t need a down payment! And we will never add hidden fees or loan features you don’t really need.

If you have already financed somewhere else, we can even refinance your loan at our low rates. It’s a quick, easy way to put more money in your pocket.

Call (800) 633-2848 for free pre-approval, and you can visit the dealership as a cash buyer. Act now, before rates begin to rise.*All loans subject to credit approval. Actual rate received is based on your credit qualifications. For example, at 3.75% APR is 72 monthly payments of $15.54 per $1,000 borrowed. In addition to this low variable rate, the Credit Union offers low fixed rate auto loans with various terms. Rates are subject to change without notice.

New or used vehicles

3.75%APR*

UP TO 72 MONTHS

With real estate values rising significantly over the past few years, Jumbo Loans are a great financing option for many people. Your Credit Union has the financial resources to arrange Jumbo Loans from $359,650 to $1,000,000, with a variety of rates and terms to choose from:

■ Fixed rate loans with 15- or 30-year terms

■ Adjustable Rate Mortgages (ARMs)

■ Hybrid Loans (3/1 and 5/1) with fixed rates for the first 3 or 5 years

These loans are available on owner occupied homes with 1 to 4 units, second homes (1 unit only) and investment properties up to 7 units. If you are moving up to your dream home or investing in rental or vacation properties, a Jumbo Loan may fit your needs perfectly.

All of our real estate loans offer competitive rates and very low closing costs, as well as the personal service you just won’t find at a large, profit-driven mortgage company.

You can apply online at www.norgrumfcu.org, or give us a call for a free pre-qualification at (310) 808-4000 or (800) 633-2848 (M-F, 7 am – 6 pm Pacific). Please be prepared to tell us your annual income and liabilities.

JUMBO LOANS

Box Number 47009 Gardena, CA 90247-6809

Make the holidays easy and bright, with financial solutions from Northrop Grumman FCU.

We understand that extra holiday expenses can put a strain on your budget. So we encourage you to come see us before you hit the mall! We will help you get all the spending power you need, with:

■ A flexible MoneyMaster line of credit ■ A low-cost Personal Loan■ Our money-saving MasterCard ■ And more!If you would like to tie up some loose ends before the end of the year, ask us about a consolidation loan. You can get all your outstand-ing bills paid off, and wipe the slate clean for 2006! MasterCard balance transfers are another great way to consolidate high-rate debt.

Does your holiday wish list include a big-ticket item or some home improvements? Our Home Equity Line of Credit offers low rates and possible tax deductions (consult your tax advisor).

As you can see, we’ve got lots of great ideas to help you during this busy time of year. Simply call or stop by for details, or apply for any of our loans over the phone, 24 hours a day, by calling (310) 327-0682 or 800-676-3328 (outside the 213 and 310 area codes)

Jumbo Loans • Auto Loans • Holiday Club Accounts Holiday Gifts • Holiday Hours & Closings LO

OK

INSIDEFOR INFORMATION ON:

Holiday Help is Available Right Here at Your Credit Union

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services: q Share Draft (checking) q Touchtone Phone Acct Mgmt q Home Equity Line of Credit q Term Savings Account q Visa ATM/Check Card q Auto Locating Services q Holiday Club Account q MoneyMaster Line of Credit q Direct Deposit of Social Security q IRA Accounts q Auto Loan Pre-Approval q Direct Deposit of Retirement q Internet Acct Mgmt q First Mortgage Loan q Membership

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: q Retirement Planning* q Life Insurance q 401(k) Plan* q Property/Auto Insurance q Mutual Funds* q Long Term Care Insurance q IRA Rollovers* q Medicare Supplement q Reducing Taxes* q Retiree Dental/Vision Coverage q College Funding*

* Securities offered through Linsco/Private Ledger Member NASD/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through Linsco/Private Ledger are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

Name ___________________________________________________________ Account Number ________________________

Holiday Gifts That Are Sure To Please

You could fight the traffic and battle the crowds at the mall. Or make one simple trip to the Credit Union, and find unique gifts for every member of the family.

■ Open a new account for your children, grandchildren, nieces and nephews. A deposit of just $5 plus a $3 membership fee will establish their very own Credit Union membership and give them a head start on a bright financial future.

■ Visit our web site to order some DeluxeCards. These convenient pre-paid Visa® Gift Cards let your loved ones choose their own gifts at millions of locations.

■ Purchase an attractive American Express Gift Check. ■ Treat your favorite traveler to some safe, convenient Traveler’s Cheques.

Simply stop by the Credit Union or visit www.norgrumfcu.org for details on these great gift ideas.

If you have a Holiday Club Account at Northrop Grumman

Federal Credit Union, you’re ready for the holiday shopping

season! Your accumulated savings and dividends will be

transferred to your Regular Share Account during the first

week of November, giving you plenty of time to start check-

ing items off your shopping list.

1. Open an account with a deposit of $25 or more.

2. You will earn dividends on balances over $100.

3. We can set up automatic transfers of at least $20 a month or $5 a week from your savings or checking

account.

4. In November, we transfer the funds to your Regular Share Account,

leaving $5 in the club account. The ac-count then rolls over to the next year, unless you ask us to make changes.

HERE’S HOW OUR HOLIDAY CLUB ACCOUNTS WORK:

If you didn’t save with a Christmas Club Account this year, be

ready for 2006! Call or come in to open an account today, and

watch your savings add up.

Holiday Club Accounts

Are you ready?

w w w . n o r g r u m f c u . o r g

Looking for current rates or other Credit Union information? Visit our web site at www.norgrumfcu.org. It’s all there!

Holiday HoursDuring the holidays, branches will have abbreviated hours or will be closed. All branches will be closed on Thanksgiv-ing, the day after Thanksgiving, the day after Christmas, the day after New Years Day and Martin Luther King Day, January 16. The Call Center will be available from 7 am to 3 pm Pacific the day after Thanksgiving. All Offices will be closed on Monday, December 26 and Monday, January 2. Members are encouraged to also use Call 24, the_Max!, any convenient ATM or CU Service Center.

Tuesday Wednesday LOCATION* December 27 December 28

Pacific Pointe, CA Open Open Lancaster, CA Open Open MTA Bldg, CA Open Open 902 Bldg., CA Closed Closed F35 Bldg., CA Closed Closed Plant 3, CA Closed Closed Plant 1, CA Closed Closed Azusa, CA Closed Closed Rancho Bernardo, CA Closed Closed Kearney Mesa, CA Closed Closed Chantilly, VA Closed Open McLean, VA Open Closed St. Augustine, FL 9 to 1 Closed Rolling Meadows, IL Closed 9 to 1 Airport Park, MD Open Open Central Bldg., MD Closed Closed WestQuest Bldg., MD Closed Closed Lake Charles, LA Closed Open Call Center* Open Open

Thursday Friday LOCATION* December 29 December 30

Pacific Pointe, CA Open Open Lancaster, CA Open Open MTA Bldg, CA Open 9 to 1 902 Bldg., CA Closed Closed F35 Bldg., CA Closed Closed Plant 3, CA Closed Closed Plant 1, CA Closed Closed Azusa, CA Closed Closed Rancho Bernardo, CA Closed Closed Kearney Mesa, CA Closed Closed Chantilly, VA Closed Open McLean, VA Open Closed St. Augustine, FL Closed 9 to 1 Rolling Meadows, IL Closed Closed Airport Park, MD Open Open Central Bldg., MD Closed Closed WestQuest Bldg., MD Closed Closed Lake Charles, LA Open Closed Call Center* Open Open

* The Azusa, Rancho Bernardo, Lake Charles, Central Bldg., and WestQuest Bldg. branches will be CLOSED each of these days. The Call Center hours are Pacific Standard Time.

©CUAdvantage • 877.799.0784

Important Telephone NumbersCredit Union ................................................310.808.4000 Outside 213 or 310 ...............................800.633.2848 Eastern Region .......................................800.634.7075 Call 24 ............................................................310.327.0682 Outside 213 or 310 ...............................800.676.3328 Report a lost or stolen: MasterCard .............................................800.453.4270 Visa ATM/Check Card ...........................800.554.8969 Find a: COOP ATM ........................... www.co-opnetwork.org CU Service Center ................................. 888.CU.SWIRL

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services: q Share Draft (checking) q Touchtone Phone Acct Mgmt q Home Equity Line of Credit q Term Savings Account q Visa ATM/Check Card q Auto Locating Services q Holiday Club Account q MoneyMaster Line of Credit q Direct Deposit of Social Security q IRA Accounts q Auto Loan Pre-Approval q Direct Deposit of Retirement q Internet Acct Mgmt q First Mortgage Loan q Membership

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: q Retirement Planning* q Life Insurance q 401(k) Plan* q Property/Auto Insurance q Mutual Funds* q Long Term Care Insurance q IRA Rollovers* q Medicare Supplement q Reducing Taxes* q Retiree Dental/Vision Coverage q College Funding*

* Securities offered through Linsco/Private Ledger Member NASD/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through Linsco/Private Ledger are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

Name ___________________________________________________________ Account Number ________________________

Holiday Gifts That Are Sure To Please

You could fight the traffic and battle the crowds at the mall. Or make one simple trip to the Credit Union, and find unique gifts for every member of the family.

■ Open a new account for your children, grandchildren, nieces and nephews. A deposit of just $5 plus a $3 membership fee will establish their very own Credit Union membership and give them a head start on a bright financial future.

■ Visit our web site to order some DeluxeCards. These convenient pre-paid Visa® Gift Cards let your loved ones choose their own gifts at millions of locations.

■ Purchase an attractive American Express Gift Check. ■ Treat your favorite traveler to some safe, convenient Traveler’s Cheques.

Simply stop by the Credit Union or visit www.norgrumfcu.org for details on these great gift ideas.

If you have a Holiday Club Account at Northrop Grumman

Federal Credit Union, you’re ready for the holiday shopping

season! Your accumulated savings and dividends will be

transferred to your Regular Share Account during the first

week of November, giving you plenty of time to start check-

ing items off your shopping list.

1. Open an account with a deposit of $25 or more.

2. You will earn dividends on balances over $100.

3. We can set up automatic transfers of at least $20 a month or $5 a week from your savings or checking

account.

4. In November, we transfer the funds to your Regular Share Account,

leaving $5 in the club account. The ac-count then rolls over to the next year, unless you ask us to make changes.

HERE’S HOW OUR HOLIDAY CLUB ACCOUNTS WORK:

If you didn’t save with a Christmas Club Account this year, be

ready for 2006! Call or come in to open an account today, and

watch your savings add up.

Holiday Club Accounts

Are you ready?

w w w . n o r g r u m f c u . o r g

Looking for current rates or other Credit Union information? Visit our web site at www.norgrumfcu.org. It’s all there!

Holiday HoursDuring the holidays, branches will have abbreviated hours or will be closed. All branches will be closed on Thanksgiv-ing, the day after Thanksgiving, the day after Christmas, the day after New Years Day and Martin Luther King Day, January 16. The Call Center will be available from 7 am to 3 pm Pacific the day after Thanksgiving. All Offices will be closed on Monday, December 26 and Monday, January 2. Members are encouraged to also use Call 24, the_Max!, any convenient ATM or CU Service Center.

Tuesday Wednesday LOCATION* December 27 December 28

Pacific Pointe, CA Open Open Lancaster, CA Open Open MTA Bldg, CA Open Open 902 Bldg., CA Closed Closed F35 Bldg., CA Closed Closed Plant 3, CA Closed Closed Plant 1, CA Closed Closed Azusa, CA Closed Closed Rancho Bernardo, CA Closed Closed Kearney Mesa, CA Closed Closed Chantilly, VA Closed Open McLean, VA Open Closed St. Augustine, FL 9 to 1 Closed Rolling Meadows, IL Closed 9 to 1 Airport Park, MD Open Open Central Bldg., MD Closed Closed WestQuest Bldg., MD Closed Closed Lake Charles, LA Closed Open Call Center* Open Open

Thursday Friday LOCATION* December 29 December 30

Pacific Pointe, CA Open Open Lancaster, CA Open Open MTA Bldg, CA Open 9 to 1 902 Bldg., CA Closed Closed F35 Bldg., CA Closed Closed Plant 3, CA Closed Closed Plant 1, CA Closed Closed Azusa, CA Closed Closed Rancho Bernardo, CA Closed Closed Kearney Mesa, CA Closed Closed Chantilly, VA Closed Open McLean, VA Open Closed St. Augustine, FL Closed 9 to 1 Rolling Meadows, IL Closed Closed Airport Park, MD Open Open Central Bldg., MD Closed Closed WestQuest Bldg., MD Closed Closed Lake Charles, LA Open Closed Call Center* Open Open

* The Azusa, Rancho Bernardo, Lake Charles, Central Bldg., and WestQuest Bldg. branches will be CLOSED each of these days. The Call Center hours are Pacific Standard Time.

©CUAdvantage • 877.799.0784

Important Telephone NumbersCredit Union ................................................310.808.4000 Outside 213 or 310 ...............................800.633.2848 Eastern Region .......................................800.634.7075 Call 24 ............................................................310.327.0682 Outside 213 or 310 ...............................800.676.3328 Report a lost or stolen: MasterCard .............................................800.453.4270 Visa ATM/Check Card ...........................800.554.8969 Find a: COOP ATM ........................... www.co-opnetwork.org CU Service Center ................................. 888.CU.SWIRL

PRSRT STD U.S. POSTAGE

PAID SAGINAW, MI

PERMIT NO. 52

A Publication for Members of Northrop Grumman Federal Credit UnionA Publication for Members of Northrop Grumman Federal Credit Union

November 2005November 2005

AUTO LOANS: We’ll Steer You In The Right Direction

Here at Northrop Grumman Federal Credit Union, we’re in business to help you succeed – so our auto loans give you more for your money.

Right now we have rates as low as:

We will set up terms to fit your budget, with a competitive low rate to keep your payments affordable. We can usually fi-nance 100% of the purchase price, so you don’t need a down payment! And we will never add hidden fees or loan features you don’t really need.

If you have already financed somewhere else, we can even refinance your loan at our low rates. It’s a quick, easy way to put more money in your pocket.

Call (800) 633-2848 for free pre-approval, and you can visit the dealership as a cash buyer. Act now, before rates begin to rise.*All loans subject to credit approval. Actual rate received is based on your credit qualifications. For example, at 3.75% APR is 72 monthly payments of $15.54 per $1,000 borrowed. In addition to this low variable rate, the Credit Union offers low fixed rate auto loans with various terms. Rates are subject to change without notice.

New or used vehicles

3.75%APR*

UP TO 72 MONTHS

With real estate values rising significantly over the past few years, Jumbo Loans are a great financing option for many people. Your Credit Union has the financial resources to arrange Jumbo Loans from $359,650 to $1,000,000, with a variety of rates and terms to choose from:

■ Fixed rate loans with 15- or 30-year terms

■ Adjustable Rate Mortgages (ARMs)

■ Hybrid Loans (3/1 and 5/1) with fixed rates for the first 3 or 5 years

These loans are available on owner occupied homes with 1 to 4 units, second homes (1 unit only) and investment properties up to 7 units. If you are moving up to your dream home or investing in rental or vacation properties, a Jumbo Loan may fit your needs perfectly.

All of our real estate loans offer competitive rates and very low closing costs, as well as the personal service you just won’t find at a large, profit-driven mortgage company.

You can apply online at www.norgrumfcu.org, or give us a call for a free pre-qualification at (310) 808-4000 or (800) 633-2848 (M-F, 7 am – 6 pm Pacific). Please be prepared to tell us your annual income and liabilities.

JUMBO LOANS

Box Number 47009 Gardena, CA 90247-6809

Make the holidays easy and bright, with financial solutions from Northrop Grumman FCU.

We understand that extra holiday expenses can put a strain on your budget. So we encourage you to come see us before you hit the mall! We will help you get all the spending power you need, with:

■ A flexible MoneyMaster line of credit ■ A low-cost Personal Loan■ Our money-saving MasterCard ■ And more!If you would like to tie up some loose ends before the end of the year, ask us about a consolidation loan. You can get all your outstand-ing bills paid off, and wipe the slate clean for 2006! MasterCard balance transfers are another great way to consolidate high-rate debt.

Does your holiday wish list include a big-ticket item or some home improvements? Our Home Equity Line of Credit offers low rates and possible tax deductions (consult your tax advisor).

As you can see, we’ve got lots of great ideas to help you during this busy time of year. Simply call or stop by for details, or apply for any of our loans over the phone, 24 hours a day, by calling (310) 327-0682 or 800-676-3328 (outside the 213 and 310 area codes)

Jumbo Loans • Auto Loans • Holiday Club Accounts Holiday Gifts • Holiday Hours & Closings LO

OK

INSIDEFOR INFORMATION ON:

Holiday Help is Available Right Here at Your Credit Union