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PRSRT STD U.S. POSTAGE
PAID CUADVANTAGE
A Publication for Members of Northrop Grumman Federal Credit Union
Box Number 47009 Gardena, CA 90247-6809
Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248
Mailing Address:Box Number 47009Gardena, California 90247-6809
Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific
Visit us on the internet at:www.ngfcu.us
CUAdvantage • 877.799.0784
PrObleMs? InquIrIes?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inqui-ries should be directed to:
Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082
NoveMber 2010
Thanksgiving• Thursday and Friday, November 25 and 26, all offices will be
ClOSE D.
• The day after Thanksgiving, Friday, November 26, the Call Center will be AVAI lAB lE from 7 a.m. to 1 p.m. Pacific.
Christmas & New Year• December 23, December 27-30 and January 3, the Call Center will
be AVAI lAB lE from 7 a.m. to 6 p.m. Pacific.
• December 24 and 31, some branches will be OPE N on an abbreviated schedule: Airport Park OPE N 10 a.m. to 2 p.m. Eastern, Antelope Valley and Pacific Pointe OPE N 10 a.m. to 2 p.m. Pacific, Metro OPE N 8 a.m. to 12:30 p.m. Pacific, and lake Charles OPE N December 24 8:30 a.m. to 12:30 p.m. Central. All other branches will be ClOSE D on these days. The Call Center will be AVAI lAB lE 7 a.m. to 2 p.m. Pacific.
• December 27 – December 30, Pacific Pointe, Antelope Valley, lake Charles, Metro and Airport Park will be OPE N.
• December 24 – December 31, Rancho Bernardo, Kearny Mesa, Azusa, ES-1, West Complex and Plant 1 will be ClOSE D.
• December 24 – January 3, Central, WestQuest, Chantilly, Mclean, St. Augustine, Apopka and Rolling Meadows will be ClOSE D.
www.ngfcu.us 1
Why allow your auto loan to speed into a high rate with another financial institution? Come see us first for your next new or used auto loan! Rates like these stop traffic and turn heads.
OR
We also welcome high rate auto loans from other financial institutions. let us take a closer look at your monthly payments and we may be able to help you save.
To review our current rates or apply, visit our website at www.ngfcu.us or contact one of our friendly call center representatives at 800.633.2848.
Put TheBrakes On High rates Drive to Northrop Grumman FCU!
Rates as low as
2.99%APR*
fixed for 60 months
Rates as low as
3.99%APR*
fixed for 72 months
Auto loan rates as low as 2.99% APr FIxed. look inside for details.
Holiday Closings
*Requires an automatic payment transfer from an NGFCU checking or savings account. Members may qualify at a higher interest rate depending on their credit. Payment examples: At 2.99% APR, 60 monthly payments of $17.97 per $1,000 borrowed. At 3.99% APR, 72 monthly payments of $15.65 per $1,000 borrowed.
To: Northrop Grumman Federal Credit Union Attn: Call Center
YES, I want to know more about these products/services:
m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity line of Credit
mTerm Savings Account mVISA ATM/Check Card m Auto locating Services
m Holiday Club Account m MoneyMaster line of Credit m Direct Deposit of Social Security
m IRA Accounts m Auto loan Pre-Approval m Direct Deposit of Retirement
mInternet Acct Mgmt m First Mortgage loan m 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: m Retirement Planning* m life Insurance
m 401(k) Plan* m Property/Auto Insurance
m Mutual Funds* m long Term Care Insurance
m IRA Rollovers* m Medicare Supplement
m Reducing Taxes* m Retiree Dental/Vision Coverage
m College Funding*
* Securities offered through lPl Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through lPl Financial 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.
Name Account Number
http:Looking for current rates or other Credit
Union information? Visit our website at
www.ngfcu.us. It’s all there!
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 ................................................877.875.8078
VISA ATM/Check Card .........................800.554.8969
Find a:
CO-OP ATM .............................www.co-opnetwork.org
CU Service Center ...............................888.CU.SWIRl
w w w. ng f c u. us
Send this section to:
Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809
Our VISA ATM/Check Card keeps holiday shopping easy!
It’s not too hard to get swept up in the
excitement of the holiday season. But
there’s an easy way you can keep your
spending under control and avoid big bills in
January - use your NGFCU VISA ATM/Check Card.
Our VISA Check Card is accepted wherever you see
the VISA logo, so you can enjoy one-swipe shopping at
all your favorite stores. Your purchase amount is taken
directly from your checking account, so you simply pay as
you go. Plus, this convenient ATM Card gives you access
to Cirrus, Maestro, Star, CO-OP, and Norteller ATMs all
over the country.
Enjoy holiday shopping with no regrets, no monthly bills,
no finance charges and no worries! Simply sign up for
an NGFCU Checking account and your VISA/ATM
Check Card is free of charge. Come by the Credit
Union and we’ll help you get started.
Why now may be the best time to refinance.Our low mortgage rates give NGFCU members the opportunity to save
money on a monthly basis, when you need it the most. By refinancing your
home, you can lock in today’s low interest rates for up to 30 years and
save thousands of dollars over the course of the loan.
Plus, you can qualify for a 0.25% discount for using other NGFCU
products and services!
To refinance your home and take advantage of today’s low interest
rates before they begin to rise, now is the time to take action. Visit
www.ngfcu.us or call a service representative for more information.
*$75,000 minimum. Rates subject to change daily. Not available in GA, lA, TX and Al.
You’re probably all ready familiar with our new NGFCU MasterCard,
but have you heard about our great balance transfer benefits?
Through January 1, 2011 new MasterCard accounts can receive a
balance transfer rate as low as 5.25% APR*.
In addition to our low balance-transfer rate, our NGFCU MasterCard
offers credit lines up to $20,000, online account management, and
you get to choose your rewards program! Choose from:
l Low Rate and save on revolving balances.
l CURewards and earn 1 point for every U.S. dollar spent, and
redeem points for travel or merchandise.
l Cash Rebate and get 1.5% cash rebate on everyday purchases.
For more details about our balance transfer for new MasterCard
accounts or how to apply, contact NGFCU at 800.633.2848 or visit
our website at www.ngfcu.us to apply online.
*Balance transfers from non-NGFCU accounts only. Rate is effective for 30 months as long as the account is current. Interest accrues from the date the balance transfer is posted.
looking for a bright idea?
Historically low mortgage rates are HERE!
www.ngfcu.us2 www.ngfcu.us 3
Master Your dreams with an all-new nGFCu
All of us from Northrop Grumman Federal Credit Union would like to wish you a very safe and happy holiday season, and happy New Year!HA
PPY
HOlI
dAYs
To: Northrop Grumman Federal Credit Union Attn: Call Center
YES, I want to know more about these products/services:
m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity line of Credit
mTerm Savings Account mVISA ATM/Check Card m Auto locating Services
m Holiday Club Account m MoneyMaster line of Credit m Direct Deposit of Social Security
m IRA Accounts m Auto loan Pre-Approval m Direct Deposit of Retirement
mInternet Acct Mgmt m First Mortgage loan m 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: m Retirement Planning* m life Insurance
m 401(k) Plan* m Property/Auto Insurance
m Mutual Funds* m long Term Care Insurance
m IRA Rollovers* m Medicare Supplement
m Reducing Taxes* m Retiree Dental/Vision Coverage
m College Funding*
* Securities offered through lPl Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through lPl Financial 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.
Name Account Number
http:Looking for current rates or other Credit
Union information? Visit our website at
www.ngfcu.us. It’s all there!
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 ................................................877.875.8078
VISA ATM/Check Card .........................800.554.8969
Find a:
CO-OP ATM .............................www.co-opnetwork.org
CU Service Center ...............................888.CU.SWIRl
w w w. ng f c u. us
Send this section to:
Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809
Our VISA ATM/Check Card keeps holiday shopping easy!
It’s not too hard to get swept up in the
excitement of the holiday season. But
there’s an easy way you can keep your
spending under control and avoid big bills in
January - use your NGFCU VISA ATM/Check Card.
Our VISA Check Card is accepted wherever you see
the VISA logo, so you can enjoy one-swipe shopping at
all your favorite stores. Your purchase amount is taken
directly from your checking account, so you simply pay as
you go. Plus, this convenient ATM Card gives you access
to Cirrus, Maestro, Star, CO-OP, and Norteller ATMs all
over the country.
Enjoy holiday shopping with no regrets, no monthly bills,
no finance charges and no worries! Simply sign up for
an NGFCU Checking account and your VISA/ATM
Check Card is free of charge. Come by the Credit
Union and we’ll help you get started.
Why now may be the best time to refinance.Our low mortgage rates give NGFCU members the opportunity to save
money on a monthly basis, when you need it the most. By refinancing your
home, you can lock in today’s low interest rates for up to 30 years and
save thousands of dollars over the course of the loan.
Plus, you can qualify for a 0.25% discount for using other NGFCU
products and services!
To refinance your home and take advantage of today’s low interest
rates before they begin to rise, now is the time to take action. Visit
www.ngfcu.us or call a service representative for more information.
*$75,000 minimum. Rates subject to change daily. Not available in GA, lA, TX and Al.
You’re probably all ready familiar with our new NGFCU MasterCard,
but have you heard about our great balance transfer benefits?
Through January 1, 2011 new MasterCard accounts can receive a
balance transfer rate as low as 5.25% APR*.
In addition to our low balance-transfer rate, our NGFCU MasterCard
offers credit lines up to $20,000, online account management, and
you get to choose your rewards program! Choose from:
l Low Rate and save on revolving balances.
l CURewards and earn 1 point for every U.S. dollar spent, and
redeem points for travel or merchandise.
l Cash Rebate and get 1.5% cash rebate on everyday purchases.
For more details about our balance transfer for new MasterCard
accounts or how to apply, contact NGFCU at 800.633.2848 or visit
our website at www.ngfcu.us to apply online.
*Balance transfers from non-NGFCU accounts only. Rate is effective for 30 months as long as the account is current. Interest accrues from the date the balance transfer is posted.
looking for a bright idea?
Historically low mortgage rates are HERE!
www.ngfcu.us2 www.ngfcu.us 3
Master Your dreams with an all-new nGFCu
All of us from Northrop Grumman Federal Credit Union would like to wish you a very safe and happy holiday season, and happy New Year!HA
PPY
HOlI
dAYs
PRSRT STD U.S. POSTAGE
PAID CUADVANTAGE
A Publication for Members of Northrop Grumman Federal Credit Union
Box Number 47009 Gardena, CA 90247-6809
Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248
Mailing Address:Box Number 47009Gardena, California 90247-6809
Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific
Visit us on the internet at:www.ngfcu.us
CUAdvantage • 877.799.0784
PrObleMs? InquIrIes?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inqui-ries should be directed to:
Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082
NoveMber 2010
Thanksgiving• Thursday and Friday, November 25 and 26, all offices will be
ClOSE D.
• The day after Thanksgiving, Friday, November 26, the Call Center will be AVAI lAB lE from 7 a.m. to 1 p.m. Pacific.
Christmas & New Year• December 23, December 27-30 and January 3, the Call Center will
be AVAI lAB lE from 7 a.m. to 6 p.m. Pacific.
• December 24 and 31, some branches will be OPE N on an abbreviated schedule: Airport Park OPE N 10 a.m. to 2 p.m. Eastern, Antelope Valley and Pacific Pointe OPE N 10 a.m. to 2 p.m. Pacific, Metro OPE N 8 a.m. to 12:30 p.m. Pacific, and lake Charles OPE N December 24 8:30 a.m. to 12:30 p.m. Central. All other branches will be ClOSE D on these days. The Call Center will be AVAI lAB lE 7 a.m. to 2 p.m. Pacific.
• December 27 – December 30, Pacific Pointe, Antelope Valley, lake Charles, Metro and Airport Park will be OPE N.
• December 24 – December 31, Rancho Bernardo, Kearny Mesa, Azusa, ES-1, West Complex and Plant 1 will be ClOSE D.
• December 24 – January 3, Central, WestQuest, Chantilly, Mclean, St. Augustine, Apopka and Rolling Meadows will be ClOSE D.
www.ngfcu.us 1
Why allow your auto loan to speed into a high rate with another financial institution? Come see us first for your next new or used auto loan! Rates like these stop traffic and turn heads.
OR
We also welcome high rate auto loans from other financial institutions. let us take a closer look at your monthly payments and we may be able to help you save.
To review our current rates or apply, visit our website at www.ngfcu.us or contact one of our friendly call center representatives at 800.633.2848.
Put TheBrakes On High rates Drive to Northrop Grumman FCU!
Rates as low as
2.99%APR*
fixed for 60 months
Rates as low as
3.99%APR*
fixed for 72 months
Auto loan rates as low as 2.99% APr FIxed. look inside for details.
Holiday Closings
*Requires an automatic payment transfer from an NGFCU checking or savings account. Members may qualify at a higher interest rate depending on their credit. Payment examples: At 2.99% APR, 60 monthly payments of $17.97 per $1,000 borrowed. At 3.99% APR, 72 monthly payments of $15.65 per $1,000 borrowed.