DividendD E C E M B E R 2 0 1 8
The
Member banking is better banking®
HolidaysHappy
thereafter
Use your TruMark Financial Visa debit card for holiday purchases Dec. 1, 2018, through Jan. 31, 2019, and be automatically entered for a chance to win back what you spent, up to $2,000.* Each purchase equals one entry. The more you use your card, the more chances you’ll have to win!
Learn moreVisit trumarkonline.org/win
*Use your TruMark Financial Visa debit card for signature-based and/or PIN-based (i.e., credit and/or debit) purchases Dec. 1, 2018, through Jan. 31, 2019, to automatically receive one (1) “TruMark Financial Win Back Holiday Purchases” entry for every purchase posted, net of returns. Limited-time offer. Business accounts are not eligible. Other restrictions may apply. Offer subject to change. Visit trumarkonline.org/win for official rules and regulations. No purchase necessary.
TruMark Financial® Credit Union’s Rewards Visa® credit card lets you save on interest while earning rewards. Earn one CURewards® point for each dollar spent while holiday shopping. Points can be redeemed for cash, gift cards, merchandise, and more. Additional card advantages include:
• Low rates • No balance transfer fees • No cash advance fees • No annual fee
Apply todayCall 1-877-TRUMARK or visit trumarkonline.org
Reward yourself this holiday season
Offer subject to change. All loans subject to approval. Business accounts are not eligible.
Mobile WalletUse your TruMark Financial debit and credit cards with Apple Pay®, Google Pay, and Samsung Pay®
Four waysto keep yourmoney safeduring the holidays
Card AlertsManage/track spending with real-time detection of potential fraud with Visa Purchase Alerts1
Mobile appLock/unlock a lost or stolen debit or credit
card using TruMark Financial’s mobile app
Learn moreVisit trumarkonline.org
1Fraud protection is provided by Zero Liability. 2Must be a TruMark Financial accountholder to purchase Visa gift cards. A $2.50 per card fee applies. All trademarks are property of their respective owners.
Prepaid Visa gift cardsAvailable in any amount, between $25 and $500,
use Visa gift cards worldwide at any location
that accepts Visa2 Invest your savings in a high-yield, federally insured TruMark Financial certificate of deposit. With a low minimum deposit of $500, start saving for education, retirement, and more.
It’s easy to get startedCall 1-877-TRUMARK or visit trumarkonline.org/cds
Save more with competitive rates
Season’s greetings from all of us at TruMark Financial. We wish you and your family a happy, healthy, and prosperous New Year.
Win back your holiday spending
Board of DirectorsHugh T. Bray, PresidentLeonard V. Doughty III, Vice PresidentWayne J. Goodwin, TreasurerR. Terence Brunt, SecretaryJoseph J. Bily, DirectorJoseph J. Ciaranca, DirectorDaniel L. Dillard, DirectorDavid A. Rufibach, DirectorWilliam A. Tollok, Director
Supervisory CommitteeDonna M. Carvin, ChairpersonJames P. DeBow, Vice ChairpersonKathleen Wells, Secretary Suzette E. Adams, AlternateWilliam Donehower, Alternate
Account Management by Phone 215-953-5950 | 800-835-2628
Online Banking trumarkonline.org
Member Service Center 1-877-TRUMARK | 215-953-5353
24/7 Loan Applications1-877-TRUMARK | trumarkonline.org
Center City Philadelphia1701 Market Street, Philadelphia, PA 19103
Chestnut Hill8500 Germantown Avenue, Philadelphia, PA 19118
Downingtown370 W. Uwchlan Avenue, Downingtown, PA 19335
Doylestown4381 West Swamp Road, Doylestown, PA 18901
Eastern North Philadelphia1900 North 5th Street, Philadelphia, PA 19122
Fort Washington335 Commerce Drive, Fort Washington, PA 19034
Horsham301 Horsham Road, Horsham, PA 19044
Jenkintown515 Old York Road, Jenkintown, PA 19046
Levittown179 Levittown Parkway, Levittown, PA 19054
North Wales1200 Welsh Road, North Wales, PA 19454
Northeast Philadelphia7306 Castor Avenue, Philadelphia, PA 19152
Parkwood12377 Academy Road, Philadelphia, PA 19154
Phoenixville23 Nutt Road, Phoenixville, PA 19460
Plymouth Meeting1920 Butler Pike, Conshohocken, PA 19428
Richboro984 Second Street Pike, Richboro, PA 18954
South Philadelphia1931 South Broad Street, Philadelphia, PA 19148
Springfield, Delaware County1141 Baltimore Pike, Springfield, PA 19064
Trevose1000 Northbrook Drive, Trevose, PA 19053
Trooper2795 Ridge Pike, Trooper, PA 19403
Upper Darby1884 S. State Road, Upper Darby, PA 19082
Warrington875 Easton Road, Warrington, PA 18976
Wayne115 E. Swedesford Road, Wayne, PA 19087
West Chester1052 Andrew Drive, West Chester, PA 19380
For branch hours and days of operation, please visit trumarkonline.org or call 1-877-TRUMARK (878-6275).
Stay social:
Copyright© 2018 TruMark Financial Credit Union. All Rights Reserved.”TruMark Financial” is a registered trademark of TruMark Financial Credit Union.
12/18
TruMark Financial will close at noon on Monday, Dec. 24, and will be closed on Tuesday, Dec. 25, in observance of Christmas. TruMark Financial also will be closed on Tuesday, Jan. 1, 2019, in observance of New Year’s Day.
Always open: trumarkonline.org Access your account 24/7 via online and mobile banking, Account Management by Phone, and at thousands of ATM locations nationwide.
Holiday closing
TruMark Financial’s HELoC Select is a great way to renovate your home for the holidays, consolidate debt, or take a vacation. A HELoC Select allows you to choose when you want to borrow and how to pay it back. It starts as a line of credit and then allows you to switch all or part of the balance to a fixed rate at any time. Whether you need funds for home improvements, consolidating debt, paying for education expenses, or taking a vacation, you’ll enjoy the convenience of choosing a payment option to meet your needs. Additional benefits include:
• Access to your money as needed or use it all at once
• Borrow up to 90% of your home’s value
• Visa Equity Access Card for fast access to your funds
Apply today1-877-TRUMARK or online at trumarkonline.org
Spruce up your home for the holidays
*Annual Percentage Rate (APR) accurate as of 11/5/18, applies to minimum line amount of $5,000, is subject to change without notice, and applies to a loan-to-value (LTV) ratio of 80% for primary residence. Rates vary depending upon amount financed, credit score, lien position, and collateral. Minimum APR is 4.24%, with automatic payment discount, maximum APR is 18%. Introductory rate will be in effect for six (6) billing cycles from credit line open date. After the introductory discount period expires, the variable APR is effective for the life of the line. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. Property and/or flood insurance is required. APR is variable based on the highest Prime Rate published in The Wall Street Journal and is adjusted on a monthly basis. As of 9/26/18 the Prime Rate was 5.25%. All loans/lines of credit are subject to approval and collateral evaluation. $100 origination fee will apply. Fees and charges may apply. Additional restrictions, limitations, and exclusions may apply. You may elect to “lock in” or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. You may select the term of your lock feature from terms provided to you at the time you exercise this option. Offered rate will be based upon borrower’s creditworthiness and term selected. The minimum amount that may be locked in is $5,000. The minimum term of the lock feature is five years and the maximum term of the lock feature is 20 years. Please call TruMark Financial at 1-877-TRUMARK for further details. NMLS 404938
rates as low as
3.24APR*%
Enjoy no payments for the first two months**At TruMark Financial, low-rate auto loans are available for cars, light trucks, vans, and sport-utility vehicles. Enjoy the satisfaction of knowing you’re financing at one of the lowest rates, with no payments for the first two months.** Additional benefits include:
• Low-cost GAP insurance — pay only $395
• Up to 135% financing
• Free auto loan pre-approvals, so you know what you can afford before going
shopping
*Annual Percentage Rate (APR) is accurate as of 12/3/18 and subject to change. For a 59-month new vehicle loan and depending on applicant’s creditworthiness, the APR may be as low as 3.24% or as high as 8.79%. Rate reflects a 0.25% discount for loan payment via automatic funds transfer from a TruMark Financial checking account. Otherwise, APR is 0.25% higher. Other rates and terms may be available. **Two months equals 60 days. Qualifying members may select to defer their first payment up to 60 days from the loan funding date. During the deferral period, interest will accrue and may extend the original term of the loan. Payments can be made during the two month deferral period. Offer does not apply to refinancing auto loans currently with TruMark Financial or indirect lending relationships.
Apply todayCall 1-877-TRUMARK or visit trumarkonline.org
Autoloan
HELoC SELECtIntroductory rate
2.24APR*%
for six months
Rates as low as
4.24APR*%
thereafter
TruMark Financial branches are selling candy bars for $2 in support of the Credit Union Political Action Committee (CUPAC). All proceeds help the committee in their efforts to elect pro-credit union congressional representatives, who will advocate strongly for credit unions in Washington.
Candy sale supporting credit unions
Purchase a candy bar todayVisit your local branch