April 2010

The Quarterly Report

Low Fleet Prices!Take advantage of the same special low pricing on vehicles generally reserved for major corporations.

Lower your interest rate by as much as .75% • .25% off when you sign up to make your

payments through payroll deduction

• .25% off if you purchase our extended warranty and GAP coverage

• .25% off if you purchase a hybrid or flex-fuel vehicle

Springtime Car Sale!

April 24th & 25th9 am - 6 pm

No payments

for 90 days!*

Have your car loan pre-approved before the sale by calling our very own CarFinders, Sherry Holop at 954-290-5737. Be sure to provide her with a description of the vehicle you want so she can locate it at the best possible price for you.

New and used vehicles will be available for our car sale at these locations:

Pompano Honda5381 N. Federal Hwy • Pompano Beach

Ask for Sonia Connors

Endicott Nissan1345 S. Federal Highway • Pompano Beach

Ask for Mariah Mimic

Sheehan Autoplex2800 N. Federal Hwy. • Lighthouse Point

Ask for Tim Sheehan

Chrysler, Jeep & Subaru of North Broward 900 S. Federal Hwy • Pompano Beach

Ask for Suzie Wheeler

*Subject to credit union lending guidelines. Interest will accrue for the first 90 days.

Celebrate CU Youth Week April 18-24 It’s Credit Union Youth Week and we want to help you celebrate. Now through April 30th, if you open up a youth account, we will match your deposit, up to $25!

Bring in Your Special Youth for Cupcakes with Carley Carley, a Broward County 10-year old, is a huge fan of PriorityONE. So much so, that she has taken upon herself to help her peers with financial education. If you have a young person (ages 4-13) in your life that could use some financial education and cupcakes, please bring them to this special event.

When: April 24th • 11am-noon

Where: Sunrise Branch 3000 N. University Drive (just south of Oakland Park Blvd.)

Carley and Dianna

Finances can be fun! Dianna and Carley discuss the importance of saving money.

Important ATM and Debit Card Changes We understand that unforeseen expenses sometimes occur when you might not have enough money in your account to cover those unexpected costs. That is why we currently authorize and pay overdrafts for your checks written on your account, ACH withdrawals, ATM and everyday debit card transactions up to $750.

However, because of a new banking regulation, we will not be able to authorize and pay overdrafts for your ATM and everyday debit card transactions as of August 15, 2010, unless you ask us to pay them for you. Please note these changes will not affect your checks, ACH transactions or electronic funds transfers.

By simply responding positively to the notice that we will be sending you in April, you can easily protect your account and avoid being embarrassed or inconvenienced from having your ATM and debit card transactions declined. You will still pay a fee of $35.00 each time we pay an overdraft, but you will not be caught in the predicament of having your ATM or debit card transaction declined because of a lack

of funds.

If you would like to ensure that your ATM and debit card purchases will

continue to be paid for you even if you do not have adequate

funds, please contact us today.

w w w . p r i o r i t y o n e f l . o r g

Financing that’s matchless! When you use our convenient CarFinders service and finance with the credit union, you’ll enjoy a break from your monthly payments - make no payments for 90 days! Pair up with your credit union and CarFinders and we’ll make sure to pair you up with the perfect car deal. Call Sherry Holop of CarFinders at 954-335-5100, ext. 113, give her the make, model and options you want – it’s just that easy.

Refinance your loan at PriorityONE and save 3% When you refinance your existing personal or auto loan that is financed somewhere other than PriorityONE, we will lower your existing loan rate by up to 3%*.

Here is an example of how much you can save:

On a $25,000 loan with a 9% interest rate and a 48-month payment schedule, your total monthly payment would be $622.13 and you would pay $29,862.05 over the life of the loan.

By refinancing with PriorityONE at a 6% interest rate, you would have a lower monthly payment of $587.13 and would pay $28,182.03 over the life of the loan.

It’s easy to apply by phone or in person!

*Subject to credit union lending guidelines. Actual rate may vary depending on credit worthiness. The floor rate for this offer is 3.25% APR. Copy of current contract must be provided to verify existing loan rate and term. Minimum loan amount associated with this offer is $3,000. Offer not valid on mortgages, home equity lines, credit cards or EZ Cash loans.

PriorityONE CreditCards are Great! Is your credit card with another financial institution? Then be on the lookout for rising rates, higher fees and lower credit limits! Why pay more? Get a PriorityONE Visa credit card featuring these great benefits:

• Fixed rates as low as 7.99% APR*

• No annual fee

• No fee for cash advances

• Cash advance and purchase rates are the same

• Interest-free grace period on purchases

• CU Rewards bonus points for travel or merchandise!

* Annual Percentage Rate. Subject to credit union lending guidelines. 7.99% good for credit scores of 760 and above. Rates subject to change.

Summer LoanEnjoy a summer break with a loan from PriorityONE. With rates as low as 9.99% APR* and convenient repayment terms, your bills will be easier to handle.

Apply now by phone, online or at any of our branch locations. Offer good May 1 - August 30, 2010.

*Annual Percentage Rate. Subject to credit union lending guidelines. Rates and terms subject to change.

Total savings = $1,680.02!

SUNRISE3000 North University Drive

FORT LAUDERDALE1900 West Oakland Park Boulevard

CORAL SPRINgS1700 N. University Drive, Suite 100

PHONECall Center .............. (954) 335-5100

Toll Free ...............1 (877) 635-3333

ZIP-24 ..................... (954) 572-8989

Toll Free ...............1 (800) 348-2728

WEBSITEwww.priorityonefl.org

PRESIDENT/CEONancy Rappaport

BOARD OF DIRECTORS

Rick Weppler, Chairman

Jerry Schwab, Vice Chairman

Alana Ragoonan, Audit Committee Chairperson

Levora Holsey, Director

Don McMahon, Director

Holiday Closing

Memorial DayMonday, May 31 2010

Credit Management Coach Puts You Back in ChargeYou can get rid of that four-letter word, debt – or at least get it under control. To find out how to manage credit to achieve your goals, check out the Credit Management Coach on our website, by clicking on the Anytime Adviser icon. The Credit Management Coach will help you set your goals, reduce spending, avoid those impulse purchases, improve your credit rating, and much more. Here are some of the valuable features the Coach has to offer:

A tally sheet to record your expenditures and identify •unnecessary costs A goals worksheet to list and rank your goals, then identify •how much to save per week to reach those goals A calculator to help you determine your net worth •

Resources for credit counseling •

So visit the Credit Management Coach today, and take a load off your credit statements and your shoulders.

Prepare Early with a Club Account Want to save up for a vacation or the holidays? We can help you with a Club Account. A Club Account can be set up to automatically withdraw money from your checking or savings account each month. The amount that you accumulate will be put into a Club Account that earns interest. All you have to do is choose the amount to save and the month that you want to withdraw the funds. The biggest advantage to this account is that you never see the money, so it doesn’t get spent. What a great way to save for the future!

Need Extra Cash This Spring? Try Our EZ Cash LoanGet an instant $500 with 6 months to repay and there’s no credit check!* To be eligible for an EZ Cash Loan:

• all your accounts and loans at the credit union must be in good standing• you must be employed for at least two years with your current employer, and • your loan must be repaid through payroll deduction.

If you have successfully paid off an EZ Cash Loan with us before and have a 6-month payment history, then you might be eligible to borrow up to

$1,500, under similar terms. So if you are ready for EZ money today, let us know.

*Member must agree to payroll deduction for loan payments. If member is not currently enrolled in payroll deduction, then normal underwriting procedures for an Unsecured Loan will apply.

**There is a $25 processing fee assessed for an EZ Cash loan.