December 2012
Thank you for your patience!
We had been experiencing some issues with our online banking connections and in-house computer network this fall, and we know that has been an inconvenience to many of you. To resolve those issues, we underwent a substantial system upgrade in December, and have seen much improvement! We hope you will find your total "banking" experience with us a little more pleasant and efficient now.  Thank you for your patience!
NSF Returns and Fees
PLEASE keep track of balances, loan payments, and scheduled debits, to avoid NSF returns and fees.
Loan payments will be made from available funds in shares or share draft if your loan payment is past due, or if you have requested automatic transfers. We cannot see items that are authorized and scheduled to post in the future, and can not tell you if a loan payment or cash withdrawal will leave you short of funds. It is your responsibility to keep track of what you have authorized, and have the funds available.
Please note that we must return as unpaid any item that attempts to post if the funds are not available in your account, and also charge a fee of $24 to your account.
To help you keep track of your account we have 24 hour online account access, or you can call or visit the office.
If it is inconvenient to visit the office during our business hours, deposits can be made through direct deposit or through our after-hours deposit drop in the back.
Office Hours
In order to serve you better, we have extended our hours again. Take a look!
Monday 9 – 4 Tuesday closed
Wednesday 9 – 5 Thursday 9 – 5
Friday 9 – 6 Saturday 9 – 12
Direct Deposit
Direct deposit is the safest and easiest way to get your tax refund, Social Security, pension, child support, unemployment, payroll, and many other types of deposit.
Simply provide the depositing agency with
our routing number - 243381586
your account number - found on your statement.
Holiday Closings
Please note we will be CLOSED the following holidays
January 21 Martin Luther King Jr. Day
February 18 Presidents Day
May 27 Memorial Day
July 4 Independence Day
Annual Dinner Meeting
Saturday, April 20, 2012
Girard American Legion (banquet room)
42 Wall St, Girard
Meet the people behind the scenes; the Board of Directors, Supervisory Committee, and volunteer Loan Officers. All credit union members and guests are welcome! Contact the office by March 31 for a reservation. Hope to see you there!
· Tickets $10.00
· Social hour 6:00 – 7:00 p.m.
· Dinner served 7:00 p.m.
Maximize Your Money
A great way to lessen your income tax obligation this year is to contribute to a Traditional IRA* or contribute to a Roth IRA and pay taxes on your earned income today, but your future earnings are tax-free.*
Either option you choose is a great way to save for your future. We even offer the convenience of payroll deduction to make contributing a breeze.
You have until April 15th to make a contribution for 2012. Don’t wait until it’s too late!
*Certain income restrictions apply to claim the full tax benefits. Consult your tax account if you have questions on whether you would qualify.
2-2-2 Loan Special
Want to pay off some of those Christmas debts? We can help! *
2% off our regular rates
Up to $2000, payments over 2 years
*All loans based on approved credit. Credit report completed on all loan applications, credit score determines rate. Some applications may be denied, cosigner may be required. Offer good through March 30, 2013.
James DeDad Scholarship
Any member age 18 – 24, enrolled as a full time student in an approved post-secondary school is eligible to apply. Look for details on our website and in the office in March. Good luck!
The Supervisory Committee is conducting their annual audit of member accounts, please check your statement accuracy. If you find an error, please contact the committee in writing at:
LECFCU Supervisory Committee Chairperson
5906 Cherry Street, Ext
Erie, PA 16509
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