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www.firstcomcu.org

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Spring 2015

P.O. Box 20450, Lehigh Valley, PA 18002-0450

Federally insured by the NCUA

WELCOME

PRSRT STD U.S. POSTAGE

PAIDIMAGE.WORKS

53719

Meet Our New CFS Advisors!

Welcome New Select Employer Groups

Alisha Nycole, LLC

Amojo, LLC

Aston Hotels & Resorts

Books From Bennett

Bruce’s Commercial Refrigeration, Inc.

City Dwell, LLC

Drew’s Beverage Barn, Inc.

Emmy Lou’s Ice Cream Café, LLC

HSB Accounting LLC

Lehigh’s Economic Advancement Project, Inc.

Nature’s Healing Center

Pickel’s Garage, Inc.

Pinebrook Family Services

Polytek Development Corp.

SAP Enterprises, LLC dba Steffi e’s & Co.

Sklodowsky & Son Manufacturing, LLC

Sunrise Landscaping & Lawnmowing, LLC

Team J.M.B., dba Domino’s Pizza

Holiday ClosingsMemorial Day

Monday, May 25

Phone: 610.821.2461Fax: 610.821.2493Email: Shefele.CSFinvest@fi rstcomcu.org

Phone: 610.821.2469Fax: 610.821.2422Email: Jmorrow.CFSinvest@fi rstcomcu.org

For over 20 years, Steve has provided investment advice to individuals, families and businesses. He has a bachelor’s degree and master’s degree from Lehigh University. Steve has worked with 403(b) plans, provided leadership to other investment programs and is eager to help you. Steve will work with you to ensure you receive knowledgeable and objective investment advice. From his vast experience, he can give you direction tailored to your unique situation.

Jason has over 10 years in the investment industry. He has his bachelor’s degree from LaSalle University. Jason has worked with clients to provide investment recommendations based on their individual goals, time horizons and risk tolerance. In addition to personal fi nancial management, Jason has specialized experience with estate planning for special needs children, Medicaid planning and utilization of trusts.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Steve Hefele

Jason Morrow

By working with CFS advisors at First Commonwealth Investment Services, you can build a personalized fi nancial management program by reviewing with Steve and Jason such priorities as: • Reviewing or Starting Your Financial Plan • Retirement Plan Rollovers – 401(k), 403(b) and 457 Plans and TSP Rollovers • Insurance – Life, Long-term Care and Disability Income • Business Retirement Plans – SEPs and Simple IRAs • Retirement Income Strategies • Saving for College

Take the opportunity to sit down with an advisor and see how you can benefi t from planning your fi nancial future. Contact Jason or Steve for your free, no-obligation consultation today!

Better Business Practices with Remote Deposit Capture!Time is of the essence, as the expression goes. When you own a business, it is essential to maximize every second. With First Commonwealth’s Remote Deposit Capture service, business owners now have the ability to scan any number of business checks for deposit right from their offi ce or home. No more running to the branch to make deposits—saving you time. Email notifi cations and detailed reports of deposits are available shortly after submission. Business owners also have capabilities to assign employee permissions to perform these tasks, giving you control and fl exibility. Give yourself more time to concentrate on other business matters throughout the day by using Remote Deposit Capture. First Commonwealth will even assist you in setting up the system—all at a reasonable cost.

Start Spring with an Extra $50Spring brings lots of purchases and you’ll need a checking account that delivers your funds without concerns of minimum balances or fees. We have a variety of checking accounts to fi t your lifestyle—plus we’ll give you $50 when you open a new checking account with direct deposit* from April 1 through June 30, 2015!

Value Checking offers you:

• No minimum balance requirements • No monthly service fees • No minimum debit transaction requirements • FREE Visa® CheckCard—ordered automatically when you open the account

Move a Loan from Another Financial Institution for $50 More!Refi nance your auto loan, closed-end home equity loan or personal loan from another fi nancial institution and you’ll earn $50!** With our great rates, you could save on interest, reduce your monthly payments, and save $50. Even better—there are no fees, closing costs or pre-payment penalties.

Local Banking, Simply Better

Great Deals Are Just Around the Corner

Earn Your Extra Cash Now!

To open a FREE Value Checking or refi nance a loan, simply go online, call the Member Response Line at 610.821.2403, or see us around the corner at one of our six convenient locations.

*New checking account must be opened between 4/1/15 – 6/30/15. Member may not be a primary or joint owner on an existing First Commonwealth checking account. Ongoing new direct deposit of at least $500/month required for the offer. Qualifying new direct deposit(s) must be received by 9/31/15 to qualify for the $50 incentive. FOR ACCOUNTS OPENED BETWEEN 4/1/15 AND 6/30/15 WHOSE DIRECT DEPOSIT IS RECEIVED BY JULY 15: incentive payment will automatically be credited to the new checking account on 7/31/15. Accounts whose qualifying direct deposit is received after 7/15/15, but on or before 8/31/15, will receive the incentive by 9/15/15. First Commonwealth account(s) must be in good standing in order to be eligible. Only one incentive payment per qualifying member. Any and all tax liability is the responsibility of the member.

**New loan application must be received by 6/30/15. Loan amount must be $5,000 or more to qualify for the incentive. Closed-end loans only; lines of credit are not eligible. Refi nancing of loans from other fi nancial institutions only; existing FCFCU loans are not eligible. Incentive payment will automatically be credited to the savings account after closing. Any and all tax liability is the responsibility of the member.

Help us reach our goals:

� 100 New Youth Members� $300,000 in Youth Deposits

Great Loan Rates!The following loan rates are effective 3/15/15and are subject to change. Additional rates and terms available.

LOANS TERM APR*

Vehicles** as low as

New 3 to 36 Months 1.49% 37 to 60 Months 2.24%

Used 3 to 36 Months 2.24% 37 to 60 Months 2.74%

Refi nance at our new auto rates and save!***

Credit Cards Visa® Platinum 6.99% Visa® Platinum Rewards 8.25%

Home Equity Lines of Credit†

(Loan-to-Value up to 80%) 1-Year Fixed-Rate Introductory Period 2.49% variable thereafter

Visit www.fi rstcomcu.org for our most current rates and additional loans including Home Equitiy loans and Mortgages.

*APR denotes Annual Percentage Rate. Rates for the above noted loan types are based on an evaluation of applicant credit. Final rate may vary at closing. **Vehicle Loans: Maximum term for 2008 and older is 60 months for amounts of $15,000 and greater; 48 months for amounts under $15,000. Maximum LTV may vary based on credit profi le. Rate and length of term is dependent on credit score. 2013 to 2015 model years only for used auto loans up to 72 months. ***External refi nances only. A payoff statement from current lender is required. Rate and length of term is dependent on credit score. †Home Equity Lines & Loans: The minimum interest rate for a Home Equity Line of Credit is the Prime Rate, a margin, with a maximum ceiling of 15% APR. The rates for this loan type after the introductory period are based on the applicant’s credit score at time of application.

Enjoy an Evening with Us! RSVP for the Annual Meeting Today

Join us for First Commonwealth’s Annual Meeting on Thursday, April 23, 2015, at the Iron Lakes Country Club located at 3625 Shankweiler Road, Allentown. There is no cost for the meeting; however, we encourage you to stay and enjoy the buffet dinner following the meeting for only $10 per person. You must RSVP by April 10 to enjoy the buffet as we cannot take dinner reservations at the door.

To register, members may go online to www.fi rstcomcu.org or complete the registration form below. If you plan to attend the buffet, please submit payment with your registration. Contact the Member Response Line at 610.821.2403 if you have any questions.

6:00 pm: Registration6:30 pm: Annual Meeting7:00 pm: Buffet Dinner

Annual Meeting RSVP FormPlease RSVP no later than April 10, 2015.

Name

Address

Email

X $10.00/person = $ # of Attendees

I authorize First Commonwealth to deduct the amount above from my account:

Account Number

Checking Savings

Member Signature

Enclosed is my check made payable to First Commonwealth Federal Credit Union.

Mail your reservation to:First Commonwealth Federal Credit UnionAttn: Sharon BorgmanPO Box 20450Lehigh Valley, PA 18002-0450

You may also make your reservationsonline at www.fi rstcomcu.org.

Scholarship Available – Apply Now!Graduating high school seniors who are going to further their education in a two- or four-year college, university or trade school may apply for one of three scholarships worth up to $2,000. Students must be members of First Commonwealth and maintain a 3.0 GPA while enrolled as a full-time student.

Students may pick up the application at any of our branch offi ces or download it from www.fi rscomcu.org. To apply, complete the application and mail it along with an essay and one letter of recommendation by April 30, 2015. Late applications will not be considered. More details are available on the website.

First-Time Buyers Have Local Options to SaveAt First Commonwealth, fi rst-time home buyers have choices to help make home ownership a reality! Our NEW First-Time Home Buyers Program requires only 3% down. Even better, the down payment can be gifted, unlike FHA loans. New buyers will also receive $100 off origination fees when you are preapproved and fi nance your mortgage with us.

First Front Door Grant Program AvailableIf you haven’t owned your own home within the last three years or are a fi rst-time homebuyer, The Federal Home Loan Bank of Pittsburgh’s First Front Door grant program may be of assistance to you in making your down payment. For every $1 you save to put towards your home, a matching $3 is available in grant assistance, up to $5,000. Go to our website for more information on this limited-time offer. As it is a grant program, the funds are limited and are fi rst-come, fi rst-served. Income restrictions may apply.

Win a Family Membership to the Lehigh Valley Zoo!

April is designated National Credit Union Youth Month, so we’re going wild about our young members. Don’t monkey around and miss your chance for an adventure at the Lehigh Valley Zoo for the whole family! First Commonwealth is giving away six family

memberships to the Lehigh Valley Zoo this month. Simply encourage your child (ages 17 and younger) to save. For every $5 or more deposited to a youth account, an entry will be made automatically into the zoo drawing.1

Plus, we’ll have surprises in our branches every Friday throughout April for our young savers. New savers can get in on the fun as well and First Commonwealth will even put the fi rst $5 into their savings account!2

National Youth Savings Challenge Time

Coinciding with Youth Month, the National Youth Savings ChallengeTM begins. We’ve set the bar high at $300,000 in new youth deposits and are looking for 100 new youth members. As an added bonus of your deposit when you open an account, you’ll have a chance to win $100 by participating in the challenge. Ten winners will be selected nationwide.3

Monkey See, Monkey Do: Teach Them to Be Wild about Saving

We’d be “lion” if we said saving was easy. Show andteach children how to save for their goals and they’ll have one of the most diffi cult aspects of fi nance under their belt by the time they’re teens—being consistent savers.

Here are a few ideas to help your cubs get wild about saving:

• Have young children—preschool age—sort different types of money into piles by color and size.

• Play store or credit union. Help them use a pretend cash register.

• At the grocery store, let children of all ages help you shop. Teach them how to comparison shop. Another option is to have them cut coupons and help you save, then split the coupon savings with them by depositing them into their First Commonwealth Dollar Dog account.

• As children get older, let them know what things cost. Share sales receipts and bills you receive for items or services you’ve purchased for them.

• If you decide to pay your children an allowance, discuss allowance amounts and how you expect them to use it. Explain for what you will pay and for what they should be responsible. Here’s an example: When you go to the movies, you would buy the movie tickets and they would buy the snacks.

• As they reach high school age, remind them of their fi nancial responsibilities. For example, they may want the newest cell phone that comes with a really high price tag, but you will only cover the basic phone. Once the responsibility of paying for an item is on them, the “latest and greatest” isn’t always as important.

• Don’t forget to encourage wise little owls to get good grades! First Commonwealth will reward up to $5 per school year for every A or equivalent based on the end-of-year report card.

Find more savings tips and activities for kids on the Dollar Dog website found under the Checking and Savings tab, Kids & Students page in the right-hand column of our website.

Go Wild About Saving at First Commonwealth!April Is National Credit Union Youth Month

Protect Your Identity with e-StatementsReduce your chances of being a victim of mail fraud by receiving your First Commonwealth statement electronically.

Even though identity thieves are fi nding new ways to steal information over the Internet, the original theft—for example, taking out a credit card in your name—tends to be a low-tech crime. According to the Federal Trade Commission, about half the country’s victims know how their information was swiped, and in many cases the breach was paper (bills, credit card solicitations and fi nancial statements) pilfered from garbage cans and mailboxes.

Banking and paying bills online not only cuts off thieves’ access to the papers they need to commit ID theft, but also helps detect the crime sooner. This is because consumers who bank online check their accounts much more frequently, nearly four times a month compared with once a month for those who receive statements by mail.

Receive your statement electronically and enjoy safety, timeliness, and convenience. For more information about e-Statements, or to sign up to receive them, call First Commonwealth or log into HomeLink and select the e-Statement tab to self-enroll.

Enjoy the Parks for Less This SummerOnce again, members can enjoy a day at the park at reduced rates. Enjoy Dorney Park & Wildwater Kingdom and Camelbeach Mountain Waterpark this summer with your family at discounted prices. Visit www.firstcomcu.org for details.

2015. Late applications will not be considered. More details are available on the website.

Community EventsOur staff looked healthy in red during the American Heart Association’s National Wear Red Day. Participating staff members raised $515 for the Association.

Staff donned red during National Wear Red Day. Shown here are some of the Bethlehem Branch participants.

Get Wild About Saving During National Credit Union Youth Month at First Commonwealth!

1Promotion runs April 1-30, 2015. No purchase necessary; void where prohibited. You can mail a 3x5 index card with your name, date of birth, address and phone number to: Marketing Department, First Commonwealth Federal Credit Union, PO Box 20450, Lehigh Valley, PA 18002. Must be under the age of 18 to participate. Family membership to Lehigh Valley Zoo valued at $99. All member benefi ts for two adults living in the same household and their children under 18; includes two one-day tickets.

2New account benefi ts and premiums are limited to one per qualifying member.

3Promotion runs April 1-30, 2015. No purchase necessary; void where prohibited. You can mail a 3x5 index card with your name, date of birth, address and phone number to: Marketing Department, First Commonwealth Federal Credit Union, PO Box 20450, Lehigh Valley, PA 18002. Must be under the age of 18 to participate.

It’s Gift Card Time!

Gift cards are welcome gifts for

graduations, Mother’s Day, Father’s Day,

and birthdays. Available at all branch

locations. Give a gift of $10 to $1,000

on a card.*

*There is a $3 per card purchase fee.