Are you beginning to think about your taxes and looking for
a deduction?
Even though we’re well into 2008, you can still put money in an Individual
Retirement Account for 2007.
You can make a 2007 tax year contribution to your
IRA through April 15th. If you haven’t made your full
contribution
or you want to start an IRA, you still have
time.
APLFCU offers several different investments all
with
Traditional and Roth options. The accounts are FREE – we
don’t
charge any fees to open or maintain your IRA. Most importantly,
we offer competitive, generous dividends and your funds
are protected by the National Credit Union Administration
up to $250,000.
Check out our IRA
Service Center to answer all your
IRA questions, compare current dividend rates and open
an account. Our homepage, aplfcu.org,
has a direct link to the service center.
When you enroll in LifeLock, fraud alerts will be placed with all
three major
credit bureaus, then LifeLock automatically renews
the alerts every 90 days.
These alerts prompt
creditors to
contact you at the phone number you have specified before new
credit is established in your name to confirm that it's really you. LifeLock
also orders credit reports from all three bureaus, removes your name from junk
mail lists and
reduces
pre-approved credit offers.
As one of our valued members, you're eligible
for a 30-day free trial and a 10% discount on LifeLock's
standard retail price of $110 per year. To find out more
or to register, visit
our homepage at APLFCU.org and
click on the LifeLock button.
It seems like the average big bank is finding more and
more ways to charge its customers new fees, or drastically
increasing
the amount charged for existing fees. Higher ATM fees,
fees to speak with a customer service representative,
monthly
debit card usage fees, average daily balance fees, "convenience" fees
for basic services that used to be free … the list
goes on and on.
In fact, the Federal Deposit Insurance Corporation (FDIC)
estimates that about 42% of banks' annual revenue is derived
from non-interest income, which consists primarily of fees.
By comparison, APLFCU recognizes less than 10% of its
revenue from non-interest income.
Profit at commercial banks once again reached record
levels last year. Each year, more and more of that profit
comes
from fees. Banks have created new and ingenious ways
to part consumers from their money. Even their fees for
common
occurrences
are uncommon. Bounced check fees can be as high as $35
at some banks.
APLFCU offers you (and your wallet) relief from the bank
fee-ing frenzy. What bank offers this list of FREE services?
FREE Credit
card with a 25-day grace period |
|
FREE Checking
|
|
FREE ATM
withdrawals at 32,000 machines nationwide
|
|
FREE Debit
card |
|
FREE Telephone
Transactions |
|
FREE Home
banking
|
|
FREE Check
printing |
|
APLFCU doesn't answer to stockholders.
We answer to you, our members. Your
credit union is a non-profit financial cooperative, owned and operated by
you, the members.
Any excess income generated by loan
interest and other investments is directed back to the members in the form
of better savings rates, lower loan
rates, improved services, and, most importantly, free and low cost services.
Pass along this great information to your family
members and co-workers who are eligible to join. Help them break free of the
bank fee-ing frenzy.
