Vacation In PA -- Wednesday, June 4 2008
If you’re looking to save gas and avoid expensive travel out-of-state, the new 2008 Pennsylvania Travel Guide includes thousands of lodging listings, roadtrips, detailed maps, and photography to make it easy to explore the state’s seven tourism regions. Click here to request your free copy.

Great News for Heinz - Del Monte Members! -- Tuesday, June 3 2008
When you are sick or hurt and can't work, you need Aflac!



Starting in May 2008, members will be able to get Aflac benefits at special rates through the credit union! Contact Aflac at 800-881-2208 x 222 or email at aflac.hdm@gmail.com to find out more and look for them at the annual meeting.

Accessing Your Own Cash Shouldn't Cost You Money -- Tuesday, June 3 2008
Spending hard-earned cash on yourself is one thing: forfeiting it to escalating ATM fees is quite another. According to a recent Bankrate.com survey, ATM fees have reached an all-time high of $4 billion per year—a 44 percent increase since 1999. In fact, consumers who use an ATM at a bank where they do not have a checking account can expect to pay enough to finance a café latte at their favorite high-end coffee house every time they take out their money. Using the wrong bank ATM often means paying a surcharge both coming and going. Ninety-six percent of banks charge non-customers for the privilege of using their ATMs, according to Bankrate.com. The average fee for this “service” is $1.54. Additionally, a full 87 percent of banks charge their customers for using another bank’s ATM—on average, $1.37 per transaction. All told, the combined average cost of using “someone else’s” ATM is a hefty $2.91.

It’s even possible to pay a surcharge for not receiving money. At a few banks, ATM “denial fees” may accrue when you attempt to withdraw more cash than your daily limit or bank balance allows. Translation: You are charged for a transaction you could not complete.

We’re here to help. Because we are a member of CO-OP Network, you’ll never have to pay a surcharge when withdrawing cash or making deposits at any of the 25,000 CO-OP Network surcharge-free ATMs nationwide. By partnering with CO-OP Network, we want to make sure that you never have to pay outlandish fees to get your own money.

Saving money isn’t the only advantage, either. Saving money at the ATM is not cost-effective if you have to drive 300 miles to do it. Through CO-OP Network, ATM access is not only free, but also easy and convenient. With more than 25,000 locations, CO-OP Network is one of the largest ATM networks in the country. CO-OP Network ATMs are everywhere, with an emphasis on locations that are in well-lit areas and inside secure buildings. Partnerships with 7-Eleven stores and high-end grocery retailers around the country have enabled CO-OP Network to become a leader in providing convenient, in-store ATM access—at locations where you live, work, and shop.

It’s this simple: You shouldn’t have to spend your money to get your money. To find a CO-OP Network ATM in your area, visit www.co-opnetwork.org

IRA Notice -- Tuesday, June 3 2008
Members who have IRA deposits made through payroll deductions(January 1, 2008 through April 15, 2008) will be reported as current year contributions for 2008 unless a contribution direct form is signed claiming the deposits for prior year 2007. Call or come into the credit union office for forms or details.

Are Your Records Correct? -- Tuesday, June 3 2008
Keeping the credit union informed of your current address is important. But, did you know it is also important to keep your telephone number up-to-date? There are many occasions when it is necessary to get in touch with you immediately and without your most recent telephone number this is not possible. With all of the fraud in our society today, contacting you can eliminate losses for us and you.

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