Save Now for the 2009 Holiday Season!

Plan ahead for the 2009 holiday season — and next year you’ll be glad you did. Open up or renew a Holiday Club account today, and begin to save conveniently and systematically all year long. It's the best way to save for the demands of the holidays and the best way to avoid credit cards and the high interest that accompanies them. Holiday Club funds are distributed during the first week of October, leaving you plenty of time to shop. Contribute through direct deposit each payday, and you are unlikely to miss the money. To help you save, there are restrictions on withdrawals. There are no fees and no minimum monthly contributions, and our dividend rates often beat the banks’ savings rates. To get started for 2009, visit us or call Member Services.
 

Ho-Ho-Holiday Loan!

Avoid credit card debt this holiday season by taking out a Holiday Loan with Energy Credit Union. Holiday Loans are available from November 1 through Dec 31, 2008. Members may borrow up to $2,000 for one year at an annual percentage rate (APR) of 7.50%. Certain restrictions apply.* Our rates are more competitive than many credit card interest rates and, unlike your credit card company, we won’t hit you with hidden penalties, onerous late fees, or unexpected rate increases over the life of your loan. You can count on us for friendly, personalized service. Apply today online through our secure application center on our Web site, or call or visit us!

* APR is annual percentage rate. Rates are subject to change without notice. Sample payment – for $1,000 borrowed for one year at 7.50%, weekly payment is $19.97, monthly payment is $86.76.


Important Phishing Scam Alert

Please be advised that there are several phishing scams which may appear to come from support services for financial institutions. (Anyone with an e-mail address may be the target of this scam or others like it.) Please use caution if you receive any e-mails that ask you to provide confidential information or to click links to visit web pages that ask you to provide confidential information. Many such e-mails are sent by criminals attempting to trick recipients into providing confidential information like user names and passwords. Known as phishing, many such fraudulent e-mails may appear to be from official or trusted sources. Two recent phishing scams you should be aware of are e-mails that purport to come from Network Solutions or Digital Insight. If you receive suspicious e-mails, do not click on the link provided in the e-mail.

This is What We Plan For

Unsure about what’s ahead? This is what we plan for. Volatility has always been an important part of investing. It provides you with an opportunity to build wealth and a chance to re-evaluate your investment strategies. How you perceive the ups and downs of the market will help determine how they will affect you. In order to not only survive market volatility, but also benefit from it, you have to learn how to make it work for you. Read more in the latest article from NPA. With over 50 years of experience in the financial industry, NPA can assist you in successfully preparing for retirement in the midst of an unstable market. Call (603) 689-7162 today to schedule your appointment

Financial Planner offers advisory services through Northeast Planning Associates, Inc. (NPA), a registered investment adviser. Securities and advisory services offered through LPL Financial, member FINRA/SIPC. Not NCUA Insured, No Credit Union Guarantee, May Lose Value. The Credit Union, NPA and LPL Financial are not affi liated. 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162. 08-136C
 

Home Equity Loan: 6.50% APR*

A Home Equity Loan may be your best source of financing. Members may borrow up to $80,000 for up to 10 years at 6.50% APR*. Our rates are competitive and we won’t hit you with hidden penalties, onerous late fees, or rate hikes. To apply for a loan, please call, apply online, or visit us.

*APR is Annual Percentage Rate. Rates are subject to change without notice. Repayment amounts vary depending upon the term. These payment examples are for the maximum term. Home equity loan: The cost of $1,000 borrowed for 10 years at 6.50% is $11.35 per month.

Your Savings are Safe with ECU

Have questions about share insurance? Visit our News page for more information.

Test Drive Energy@Home Today

Energy@Home, Energy Credit Union's online banking service has changed to better meet the needs of our Members. Visit Energy@Home to access your accounts or to demo our online system!

Don't Be a Victim of E-Mail Scams

Beware of e-mail messages that appear to be from corporations or even government agencies such as NCUA (National Credit Union Administration), the government agency that insures funds on deposit at a credit union. These messages, called "phishing" attempts, are a favorite tool for online crooks. The e-mail messages direct users to link to fraudulent Web sites designed to gain their personal information, account number and PIN. Energy Credit Union (as well as any other financial or government institution) will NEVER ask members to supply personal information to Energy Credit Union or any agencies associated with us. Please contact us to report suspicious e-mails.

 
We're Looking Out for You with FraudWatch Plus 

Debit card holders have round-the-clock protection against debit card fraud. With Fraudwatch Plus, Energy Credit Union provides industry leading technology, tools and expertise to manage fraud. Experienced analysts watch for any suspicious card activity and will contact you immediately if they detect potential fraud on your card. So if you ever get a call from "Fraud Prevention Services" know that they are doing their job to protect against the fraudulent use of your card.

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