HOURSMonday - Friday:

8:30 a.m. - 4:00 p.m.

MEMBER TELEPHONE SERVICE516-938-4077

LOCATIONS777 Old Country Road Plainview, NY 11803

516-938-0300 Fax: 516-938-0311

1490 Franklin Avenue Mineola, NY 11501

516-573-7260 Fax: 516-573-7009

WWW.NCPDFCU.ORG

Inside This Issue:Message from the CEO

New Website

Vacation Loans

Auto Loans

Save Money

Bulletin Board

CO-OP Shared Branch

Bulletin SERVING NCPD MEMBERS AND THEIR FAMILIES SINCE 1940

Discover the Credit Union Advantage

SPRING 2018

CONNECT TO YOUR DREAM HOMEBuying a home is no easy task, but it is an important and maybe even exciting one. It’s an investment, and one you need to be sure you can afford before you do it. With NCPD Federal Credit Union, your dream home may be closer than you had thought before.

Your NCPD FCU membership connects you and your family to:

• GREAT RATES• LOW FEES• EASY APPLICATIONTake advantage of your membership and connect to your dream home as well with one of the lowest rates around.

30 Year Fixed Mortgage 4.25% APR*

Other rates and terms available

*APR = Annual Percentage Rate. Rates subject to change. See Credit Union for details.

TAP INTO YOUR HOME’S EQUITYYour home’s equity is much like a tree – as time goes on, it gets bigger and better. The value of your home is an untapped source of money that could be used to remodel your kitchen, refinance your debt, or pay for any number of things. With a Home Equity Line of Credit from NCPD Federal Credit Union, the options are endless.

1.99% APR*

Borrow up to 75% of your home’s value^

* APR = Annual Percentage Rate. APR is for the first two years, then Prime rate for the rest. See Credit Union for details. NMLS #412042

^Minus any existing First Mortgage balance

www.ncpdfcu.org • 516 -938-0300

*APR = Annual Percentage Rate and is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ. See Credit Union for details. NMLS #412042

Federally Insured by NCUA

Connections.You have

Why not connect your family as well?

Mineola1490 Franklin Ave.516-573-7260

plainview777 Old Country Rd.516-938-0300

3.00%APR*

Mortgagerates as low as

You and your immediate family members are eligible to take advantage of NCPD Federal Credit Union membership and its benefits. Our Mortgage rates make it easy to connect you to the home you’ve always dreamed of. Link your loved ones to better banking today.

• Great Rates• Low Fees• Easy Application

www.ncpdfcu.org • 516 -938-0300

*APR = Annual Percentage Rate and is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ. See Credit Union for details. NMLS #412042

Federally Insured by NCUA

Connections.You have

Why not connect your family as well?

Mineola1490 Franklin Ave.516-573-7260

plainview777 Old Country Rd.516-938-0300

3.00%APR*

Mortgagerates as low as

You and your immediate family members are eligible to take advantage of NCPD Federal Credit Union membership and its benefits. Our Mortgage rates make it easy to connect you to the home you’ve always dreamed of. Link your loved ones to better banking today.

• Great Rates• Low Fees• Easy Application

www.ncpdfcu.org • 516 -938-0300

*APR = Annual Percentage Rate and is the lowest rate available for qualified borrowers. Actual rate and maximum financing options may differ. See Credit Union for details. NMLS #412042

Federally Insured by NCUA

Connections.You have

Why not connect your family as well?

Mineola1490 Franklin Ave.516-573-7260

plainview777 Old Country Rd.516-938-0300

3.00%APR*

Mortgagerates as low as

You and your immediate family members are eligible to take advantage of NCPD Federal Credit Union membership and its benefits. Our Mortgage rates make it easy to connect you to the home you’ve always dreamed of. Link your loved ones to better banking today.

• Great Rates• Low Fees• Easy Application

Message from the CEO

Spring is a time of new growth – and there’s no better time to unveil our new website. We’ve completely rebuilt it, and now it’s better than ever. It has a modern, user-friendly look – but we’ll let it speak for itself.

As green creeps back into our world with budding trees and the flowers of spring, we, too, can make an effort to be greener. We offer a variety of convenient and digital banking products of which you can take advantage. eStatements keep your important papers out of the mailbox, and our mobile and online banking services save you gas on a trip to the Credit Union.

Our convenience won’t just save you gas – it saves you time, too. By accessing online or mobile banking, you can check your account balances, transfer funds, pay loans and more from the palm of your hand with your mobile device. All you need is internet access, a computer or smartphone, and a user ID and password. If you’re logging in for the first time, you’ll have an MTS/Audio Response PIN code for your password that you’ll change after logging in.

There’s so much you can do. You can pay your bills online and set up recurring payments with Bill Pay; you can check account balances, transfer funds and more by text message; deposit checks and view paid ones from your phone; and more!

More convenience means more time to get out and smell the roses. Please, enjoy the new green and warm weather!

Sincerely,

Peter J. DittkoChief Executive Officer

NEW LOOK, SAME GREAT SERVICEWe are so proud and excited to unveil NCPD FCU’s new website design, which goes live in the next few weeks. The new website has a clean, modern look that is not only visually pleasing, but easy to navigate, too. The layout is intuitive and user-friendly, so you can quickly find what you need.

The new website will also adapt to your screen size. It won’t matter if you visit www.ncpdfcu.org from your phone, tablet or laptop: the content will adjust for easy viewing and navigation.

Check out our new site! We think you’ll love it as much as we do.

SUMMER IS JUST AROUND THE CORNER...Start planning now! Map out that fantastic vacation you’ve always dreamed of and take control of how you get to spend your summer with a Vacation Loan from NCPD FCU. Take a road trip across the country, relax on a beach, check out a show in Las Vegas…the opportunities are endless! We help make dream vacations affordable with Vacation Loan rates as low as 5.00% APR.*

As low as 5.00% APR*

* APR=Annual Percentage Rate.

Bulletin Board

And the winner is...Congratulations to James Hill, the winner of last quarter’s contest. James’ $25 prize was deposited into his Share Savings Account.

Memorial Day: Monday, May 28, 2018

Independence Day: Wednesday, July 4, 2018

GET OFF THE BEATEN PATH...It’s a well-worn path toward buying a new vehicle, with the same old slick dealership lines, confusing fine print, and expensive add-ons that bust your budget. This alone might deter you from getting that new car you need – but don’t let it stop you from replacing that outdated vehicle with one you’ll love to drive.

NCPD FCU is here to help you on your vehicle-buying journey. From start to finish, we’ll help you crunch the numbers to see what you can afford and what your monthly payment will be. We’re proud to offer you great service and some of the best rates around:

Even if you already have a vehicle that you love and a loan you’re paying, we can still help with a refinance! Give us a call or stop by to take advantage of our low rates and see how much we could save you.

Coming soon!Keep an eye out for an announcement about Apple Pay®!

PUT A LITTLE SPRING IN YOUR SAVINGS!It starts with planting just $5.00, then watching it grow! But that’s not even the best part – our savings account gets you a way better rate than most of our competitors’ CDs. This means that not only do you get more money back while you save, you can access the money at any time without waiting for a fixed term to end.

Save your money and watch it grow – without locking yourself into a fixed term.

IRA contribution deadline is 4/17/2018

Holiday Closings

Check out our great low rates for new and pre-owned vehicles and motorcycles on

our new website!

Check our Website for Rates!

Board of DirectorsPRESIDENT

William McHale

VICE PRESIDENTDevin Ross

TREASURER/SECRETARYDennis Barry

DIRECTORSJohn Berry

Wayne F. Birdsall Tim Mensch

Pat Rail Robert R. Reed

Wayne Hartmann

DIRECTOR EMERITUSEdward H. Proctor

Supervisory CommitteeCHAIRMAN

Anthony Gambino

Matthew McCartin Edward Schmitt

Credit CommitteeCHAIRMAN

Wayne F. Birdsall

Tim Mensch Robert Reed

AdministrationCHIEF EXECUTIVE OFFICER

Peter J. Dittko

CHIEF FINANCIAL OFFICERWilliam Mackey

CHIEF COMPLIANCE/ OPERATIONS OFFICER

Regina Hassard

COMPLIANCE/OPERATIONS SUPERVISORKaren Allen-Gomez

MINEOLA BRANCH MANAGERBetsy Schwabacher

Office StaffBryan BragmanLisa CiangettiPam Collins

Dana GatterdamKate Josefak

Robert MakleyValerie MassaroSandra MorrisLinda OakleyAlyson Parr

Laura PellechiaJesse Sanchez-Picon

Patricia ToscanoSusan Wenz

Colleen Worrell

E-Z PUZZ ENTRY FORM

A H F F Z T S N E E R G

M H R O X S R M I Q G Z

X E B D B H K I S V U R

R L V T C E N N O C C E

X C O N V E N I E N T W

V Y P A E L I B O M Y O

M C G H Z I Y D L P E L

Z R G N T Z H T G O K F

Y O O I I W A R I R O R

D T C L S R O Y V U Z M

H O I Y P O P R S U Q M

P M A I Y N A S G J U E

Enter to win $25 cash! Circle the ten words in the puzzle below. They may appear in the puzzle vertically, horizontally or diagonally. Provide your name, address, phone number and email address in the spaces provided, and then return this form to us by mail or in person by May 14, 2018. All correct entries received will be entered in a prize drawing for $25, which will be deposited into the winner’s Share Savings Account. The winner will be announced in the next Bulletin.

BLOOM FLOWER MOBILECONNECT GREEN MOTORCYCLECONVENIENT GROWTH SPRINGEQUITY

NAME

ADDRESS

PHONE EMAILDetach and return to 777 Old Country Road, Plainview, NY 11803, ATTN: Marketing Department

ACCESS YOUR NCPD FCU ACCOUNTS ACROSS THE NATION!If you’re on vacation, out of town or have moved away from NCPD FCU, you still have full access to your accounts and the conveniences of being a valued NCPD FCU member. Just look for the CO-OP® logo as shown below, which identifies other financial institutions that are a part of the Shared Branch network.

CO-OP Shared Branch is the second largest branch network in the country with more than 5,600 locations. You’ll be able to make deposits and withdrawals, pay off loans, complete transfers and much more!

You can find more information as well as a shared branch and ATM locator on our website.