Contents:

• Drive Away In Your Dream Vehicle!
• AlertMe – The Watchdog For Your Credit!
• Credit Union 1st Mortgages – A Better Choice
• Everyday Convenience From Your Credit Union
• Bulletin Board
• Make Your Account Silver Or Gold
• Rates

With a New or Used Vehicle Loan from Garden State FCU, you can afford to drive in style. With 100% pre-approved vehicle financing, you’ll have more buying power to pick out the perfect car for your needs. Our incredibly low rates and flexible terms will make your loan offer an even sweeter deal!

Shop Smarter
Our free United Buyers Pricing Guide, available at the credit union, will give you all the knowledge you need to get the new vehicle you want – most importantly, at a price you can afford. Or, if you’re looking for a used vehicle (2001 or newer), visit us online and click the link to CARFAX to verify your car’s history.

Apply Today!
Don’t let this great opportunity drive on by. For rates and available terms on New or Used Vehicle Loans, stop by the credit union, call (800) 713-2274, or apply online at www.gardenstatefcu.org.

*APR=Annual Percentage Rate. Rates for qualified borrowers and subject to change. Contact the credit union for complete details.

Garden State FCU is offering a great new service to help our members avoid identity theft.

With a subscription to AlertMe, you’ll know instantly via e-mail whenever new account information is added to your Credit Bureau file. AlertMe will also list the steps you should take if you believe any account information has been altered fraudulently. AlertMe even provides Identity Theft Insurance, access to online credit reports and scores, a monthly reassurance notification if no changes have been made to your file, and a yearly free credit report reminder. With identity theft on the rise, you need AlertMe!

That’s a bold statement to make, but we have to do it. Applying for your Mortgage through Garden State FCU will make buying your first home, refinancing, or taking out a Home Equity Loan affordable and easy. We offer Mortgage Loans with a variety of options to fit your needs. Our full range of products includes:

• Conventional Fixed Rate 1st Mortgages
• Conventional Adjustable Rate 1st Mortgages
• Jumbo And Super-Jumbo 1st Mortgages
• First-Time Homebuyers Programs
• 1-4 Family Unit Homes
• Primary Residence, Second Home, And Investment Properties
• And More!

For all of these reasons and more, we know that you’ll love our First Mortgage program.

Apply Today!
Our interest rates are very competitive, and our closing costs are low. And talk about convenience – you can apply for your Mortgage over the phone during business hours by calling (866) 472-4075, or you can apply online 24 hours a day at www.gardenstatefcu.org.

ATM/VISA® Check Card
Enjoy the ease and convenience of an ATM/VISA Check Card. The card can be used wherever you see the VISA logo, but the money is deducted directly from your Checking or Primary Savings Account. Call or drop by the credit union to apply for a card today!

PAM (Personal Account Manager)
Make your home banking even more convenient with PAM (Personal Account Manager). Get up-to-date account information, transfer funds between your accounts, and much more! also offers our PayIT® bill-paying service. No more check writing, no more searching for stamps – it’s easy! Call or stop by Garden State FCU, or use our printable online form at www.gardenstatefcu.org to sign up for these great services today!

Holiday Schedule

2007 Calendar

Thanksgiving
November 22nd - Closed

Christmas Eve
December 24th - Closing early at 4PM

Christmas
December 25th - Closed

2008 Calendar

New Years Day
January 1st - Closed

Marting Luther King
January 21st - Open

Presidents Day
February 18th - Open

Good Friday
March 21st - Open

Memorial Day
May 26th - Closed

Indpendence Day
July 4th - Closed

Labor Day
September 1st - Closed

Columbus Day
October 13th - Open

Election Day
November 4th - Open

Veterans Day
November 11th - Open

Thanksgiving
November 27th - closed

Christmas Eve
December 24th - Closing Early 4PM

Christmas Day
December 25th - Closed

At Garden State FCU, we offer Silver and Gold Money Market Savings and Checking Accounts for members who want to earn a higher-than-savings interest rate.

With your Silver or Gold Money Market Account, you can make up to six free transfers per month. Maintain a minimum of only $2,500 in your Silver Account or $10,000 in your Gold Account to avoid fees. You’ll earn as much as 4.52% APY* on your investment! What’s more, with a Gold Money Market Checking Account, your checks are completely free; Silver Money Market Checking Account checks are half-price.

Start saving now for retirement, education, or any other major expense with your Money Market Account. Call us at (800) 713-2274 to learn more or to open an account today!

*APY=Annual Percentage Yield.