Prevent Identity Theft - Hudson Heritage Federal Credit Union

36671-NEWS-0611
PROTECT YOUR IDENTITY
WITH ITAC SENTINEl ®
ITAC programs provide some of the most
powerful, and effective credit monitoring tools and
reports to protect you from identity theft. Three
levels of service are available ranging in price from
$8.99/month - $15.99/month. Depending on the
level of protection you purchase you may receive:
• Your credit report & credit score
• Ongoing credit monitoring and alerts
• Quarterly credit updates
• Access to online Credit Analyzer to calculate
how certain financial decisions might affect credit
• Internet monitoring for registered credit cards,
account numbers, and SSN with alerts
• Comprehensive public record report
• Public records monitoring and alerts
• Identity Theft insurance ranging from
$2,500 to $20,000
• ITAC (Identity Theft Assistance Center)
Victim Assistance
Only ITAC Sentinel ® includes ITAC victim assistance
where trained ITAC agents guide you through the
steps to restore your credit profile. In the event
you become a victim, ITAC provides identity theft
insurance that reimburses certain expenses.
To get protected, enroll online NOW at www.HHFCU.org
Highlights
SUMMER NEWSLETTER 2011
Prevent Identity Theft
You think you’re careful about protecting your identity. You shred your bills,
you don’t respond to suspicious emails, and you never give any financial
information to anyone on the phone. One night you have dinner while
traveling and by breakfast the next morning your credit card information is
being used to make online purchases. You’ve just become a victim of identity
theft, likely at the hands of a restaurant employee.
According to Javelin Research and Strategy, 10% of US consumers have
been victimized. Further, the Identity Theft Resource Center reports that it
takes the average victim 30 hours to repair the damage and can cost about
$500 out of the victim’s pocket.
At Hudson Heritage, we take identity theft very seriously. Your identity is
yours alone and you can help keep it that way by following these steps:
• Never provide personal financial information, by phone or Internet, if you did not
initiate the contact.
• Never click on a link in an e-mail you think is fraudulent. The link may steal
your personal information, and may contain a computer virus.
• Don’t be intimidated by an e-mail or caller suggesting dire consequences
if you fail to provide or verify financial information.
• If you’re unsure whether a contact is legitimate, go to the company’s website
and type in its address instead of using a link in the e-mail.
• Report suspicious e-mails or calls to the Federal Trade Commission at
www.ftc.gov/bcp/edu/microsites/idtheft/, or call 1-877-IDTHEFT
(1-877-438-4338).
• If you fall victim to identity theft, act fast. Alert Hudson Heritage immediately.
Place fraud alerts on your credit files. Monitor your credit files and account
statements closely. Enrolling in ITAC Sentinel’s ® credit monitoring programs
will offer you protection and peace of mind.
HoW To REacH US: 845.561.5607 | www.HHFcU.org

Community news
from left to right: Kelly chadwick, Katherine Quinn, Mary Hartford and ray litchfield, HHfcu EVP/coo
Three Local Students
Earn Scholarships
Congratulations to Kelly Chadwick, Katherine Quinn, and Mary Hartford, three
graduating seniors who embody HHFCU’s “people helping people” philosophy.
As a member of the National Honor Society, a High Honor Roll student, and a
peer tutor, Kelly Chadwick has proven herself a model student. Kelly is active in
school clubs and sports, serving as the captain of Minisink Valley’s Varsity Volleyball
team. She demonstrates a commitment to her community, volunteering in nursing
homes, penny socials, the CROP walk, and local pancake breakfasts. Somewhere
in between it all, she finds time to gain real-world experience as an intern for an
environmental engineering firm. Kelly will be attending Marywood University this
fall, majoring in Elementary Education/Math-English.
Katherine Quinn is a Washingtonville High School senior who has demonstrated
excellent academic performance and involvement in her school and community.
Katherine is a star athlete who plays on the varsity soccer team and runs spring
track. She received a NYS Scholar Athlete award. Katherine helped host the
Washingtonville Senior Citizen Prom, serves as a peer tutor, and volunteers much
of her time working with children at local camps and elementary schools. She will
be attending Quinnipiac University this coming fall as a Nursing student.
Washingtonville High School senior Mary Hartford will be joining Ithaca College
this fall in the Physical Therapy program. She plays varsity lacrosse and crosscountry
track. Mary is a member of the Future Business Leaders of America
and she is highly regarded for her leadership and business achievements. Mary
has demonstrated her passion for learning as a member of the National Honor
Society and the Math and Science Honor Societies. We are certain that her
pursuits for excellence in education will continue in the years to come.
FINANCIAl MAKEOVER
Do your fiNaNcES NEED a facE lift?
It’s easy to get overwhelmed with money management
and the paperwork that goes with it. Here are 3 simple
steps you can take to gain focus on your spending.
1. ORgANIzE. Paperwork piled high? Sort your reports
and receipts to file, shred or deduct.
2. PUT YOUR WAllET ON A DIET. Lose credit cards
you’ve had for less than five years. It takes away
temptation to overspend and it won’t hurt your
credit score.
3. SEll, SEll, SEll. You’d be surprised how much you
can get for gadgets, books or even clothes you don’t
use anymore. Use the funds to start a new account
or save for a vacation.
FOR MORE HElPFUl HINTS VISIT THE RESOURCE CENTER
OF OUR WEbSITE: WWW.HHFCU.ORg
SHRED-IT ® DAY:
AUgUST 20, 2011 • 9AM - 2PM
MiDDlEtoWN & NEWBurGH locatioNS
Here’s one sure way to prevent thieves from
stealing your identity. Gather your identity-sensitive
documents and a trained Shred-it professional will
quickly and accurately shred your
papers in a secured
environment in an
on-site truck.
Shredding service is performed
by a third party not affiliated
with Hudson Heritage Federal
Credit Union. Use this free service
at your own risk. Please
take care when you decide
what you need shredded.
Hudson Heritage Federal Credit
Union is not responsible for any
documents that are shredded
or left at our branches.

1st row from left to right: cyndi yanosh, fSr; toni tierney, Sc Mgr; 2nd row from left to right: lyda o’Shea, acct cdtr;
tina Settembrino, Dir Mbr outreach; Nelly Guthrie, aVP Emp relations; Bryanna levine, Brch Supervisor; 3rd row from left to
right: James Mickler, asst controller; ray litchfield, EVP/coo; anthony Kurdziel, VP lending; Michael ciriello, President/cEo
Hudson Heritage and Junior Achievement
Mentor Students in Financial Literacy
and Work Readiness
Employees from Hudson Heritage Federal Credit Union teamed up with Junior
Achievement (JA) of the Hudson Valley this spring to teach fifth grade students
at Mechanicstown Elementary School the basics of business and economics to
prepare them for successful futures.
JA’s work readiness, entrepreneurship and financial literacy program brought
mentors into the classroom with engaging, hands-on activities to help inspire
students to achieve more in life.
Hudson Heritage Service Center Manager Toni Tierney said, “The volunteers at
Hudson Heritage are proud and honored to be part of the Junior Achievement
organization where we are able to mentor and enjoy the inspiring youth of today.”
“For our first lesson student entrepreneurs created products or services for
specific businesses. It was wonderful to see how creative the students were,”
said Bryanna Levine, Branch Supervisor at Hudson Heritage.
Hudson Heritage will deliver the program to over 120 students, with close to 500
students participating in the Junior Achievement program at Mechanicstown.
Volunteers bring their banking experience to motivate students to envision a
successful future and to encourage entrepreneurial thinking. By connecting
what they learn in the classroom to future goals, students see the relevance in
education, and how it will help them make smart decisions for their futures, and
to learn the steps to succeed in life.
Lyda O’Shea, Accounting Coordinator at Hudson Heritage acknowledged the
attentive and inquisitive nature of her fifth grade class. “This experience
is inspiring to me and the students and it validates the importance of
understanding business and economics in life,” she said.
The Junior Achievement program has operated at Mechanicstown Elementary
School for over 15 years, and demonstrates the innovative learning environment
the school’s administration encourages.
For more information about Junior Achievement programs,
please visit http://hudsonvalley.ja.org.
COMMUNITY blOOD DRIVE
tHE NEED iS coNStaNt.
tHE GratificatioN iS iNStaNt
AUGUST 10, 2011 • 10:00AM - 3:00PM
ryKoWSKi laNE BraNcH
Someone in America needs blood every two seconds.
When you donate just one pint of your blood, it can save
up to three lives.
Giving blood takes just one hour of your time and your
contribution helps ensure a healthy and reliable blood
supply. And you’ll feel good knowing you’ve helped
change a life. Healthy adults who are at least 17 years
old, and at least 110 pounds may donate about a pint
of blood.
To make an appointment or for more information
call 845.561.5607.

The Key to Savings:
Auto & Home
Insurance
The key to great savings fits both your auto and
home. The “MEMbER” AUTO AND HOMEOWNERS
INSURANCE program is made available to you by
Hudson Heritage Federal Credit Union.
This program could help you save money all year.
When you call, an agent will ask questions about
your situation, then apply the discounts that you
qualify for. On average, credit union members
save up to $329.07* a year!
Combine auto and home coverage to save even
more. Plus, both auto and home insurance
programs provide dependable 24/7 claims
service that you deserve.
For a free, no pressure quote, call toll-free 1.888.380.9287
or visit us at www.membersautohome.com
Mon.–Fri., 7am–1am; Sat. 7am–11:30pm;
Sun. 9am–10pm ET
Mc2503ar-1110 coverage made available by cuNa Mutual insurance agency, inc. and underwritten by leading insurance companies. to the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in
all states and discounts vary by state. a consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. the insurance offered is not a deposit and is not federally insured
or guaranteed by your credit union. *figure based on a february 2010 national sample of auto policyholder savings when comparing their former premium with those of the MEMBErS auto and Home insurance program. individual premiums and savings will vary
depending on your insurance carrier and coverages and limits purchased.
Refer-a-Friend
Introduce a Friend to the
Better Savings
and Lower Loan Rates
at Hudson Heritage!
When your friend joins you’ll both receive
$10 PlUS... a chance to
WIN $250
EacH in American Express ® Gift Cards!
ten (10) dollar award may be subject to 1099 irS reporting. No purchase necessary to enter or win drawing. Void where
prohibited by law. contest open to all Hudson Heritage federal credit union members age 18 or older. contest period: 4/1/10
through 11/1/10. See complete official rules in our branches or online at www.hhfcu.org. Hudson Heritage federal credit union
and american Express are not affiliated with, or endorsed by, each other. american Express is not a participant in this contest.

Better Financing Rates
than Credit Cards!
GivinG Credit
Did you know you can borrow against the equity in your home
for home improvement projects, vacations and more? It may
be tempting to finance it on a credit card, but most bank credit
cards carry double digit interest rates. Here’s a better way:
HOME EQUITY lINE OF CREDIT
ratES aS loW aS
2.47 %
for firSt 6 Mo. tHEN aS loW aS 4.00% aPr
zERO ClOSINg COSTS, 2.
zERO POINTS OR APPlICATION FEE!
FIXED HOME EQUITY lOANS AlSO AVAIlAblE
If you need a loan we’re standing by. We’ll walk you through the loan application, or you can apply online
and have a representative call you at your convenience. You may even be eligible for instant approval.
DRIVE FOR lESS!
auto loaN ratES aS loW aS
2.50 % APR3. • UP TO 1% OFF APPROVED RATE4. • PlUS 1% REbATE UP TO $1505. • 60 DAY DEFERMENT ON YOUR
1ST PAYMENT
APR 1.
VACATION lOAN SPECIAl!
ratES aS loW aS
6.99 % APR6. • MAXIMUM lOAN AMOUNT $2,500
• TERMS UP TO 24 MONTHS
1. aPr is annual percentage rate. all extensions of credit are subject to credit approval. rates shown are lowest rates offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with
different terms. this is a limited time offer which can be withdrawn at any time. all terms are subject to change without notice. for variable rate loans, the aPr may be increased after consummation. there are certain draw down, balance requirements, and loan to value
restrictions which may apply. offer not valid on existing HHfcu real estate lines of credit or loans. 2. Home Equity lines closed out prior to their three-year anniversary date will be subject to the addition of all waived closing costs to the payoff balance. contact a credit union
employee for further details. appraisal required for loans with 80% ltV and higher. appraisal costs, if required, are paid by the borrower and will be reimbursed when the loan is funded.
3. aPr=annual Percentage rate. rates as low as 2.50% aPr with 24 month term and 80% ltV. as an example: a 24 month loan with a fixed rate of 2.50% at 80% ltV would result in a payment of $42.86 for each $1000 financed. actual rate may vary based on credit
worthiness and down payment. 100% financing is also available for qualified borrowers. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft account. all extensions of credit are subject to credit
approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or with different terms. all terms are subject to change without notice. 4. other terms available,
maximum term is 60 months. 5. rebate will be 1% of the HHfcu auto loan amount and is subject to a $150 limit. rebate will be given to the member in the form of a check or deposit into member’s HHfcu savings or checking account after the auto loan is booked. auto
loans paid off and closed prior to eighteen months will be subject to the addition of the cash rebate amount added to the payoff balance. all extensions of credit are subject to credit approval. offer may be withdrawn at anytime without notice.
6. aPr=annual Percentage rate. rates as low as 6.99% aPr with 24 month term. actual rate may vary based on credit worthiness. all rates quoted include a 1.00% reduction for members who pay their loans through automatic transfer from a share or share draft
account. all extensions of credit are subject to credit approval. rates shown are lowest offered for the loan products advertised. applicants that are not approved for these loan rates or terms, may be offered credit at a higher rate and/or with different terms. all terms
are subject to change without notice. limited time offer, could end at anytime. EQUAl HOUSINg lENDER

Personalized Banking:
It’s Our Promise
Whenever you do business with us our positive, can-do attitude and
commitment to professional excellence shines. We’ll greet you with a warm,
friendly smile and treat you with the utmost respect. With each interaction,
we’ll leave no doubt in your mind that our team at Hudson Heritage is highly
service driven.
bOARD OF DIRECTORS
Chairperson
Paul Zalanowski
Vice-Chairperson
Thomas Houston
Treasurer
Virginia Wilson
Secretary
Stanley Goldberg
DIRECTORS
Michael Mahar
Kent Hottinger
Gerard Amoroso
Robert Gould
Kenneth Affeldt
Robert Van Dusen,
Director Emeritus
SUPERVISORY COMMITTEE
Chair
William Wiseman, Jr.
Sandra Gerow
James Williams
Loretto Kennedy
Robert Sassi
OPERATIONS
President & CEO
Michael J. Ciriello
Executive Vice President
& COO
Ray F. Litchfield
Chief Financial Officer
Deborah Dulisse
Vice President of lending
Anthony Kurdziel
Federally Insured
by NCUA
Branch Locations, Hours & ATMs
Newburgh
2 Corwin Court
LObbY DrIVe-uP
MoNDay - WEDNESDay 9:00aM - 5:00PM 8:30aM - 5:00PM
tHurSDay - friDay 9:00aM - 6:00PM 8:30aM - 6:00PM
SaturDay
24 HoUR aTM
8:30aM - 2:00PM 8:30aM - 2:00PM
walmart Supercenter In-Store branch, 1201 route 300
MoNDay - friDay 9:00aM - 7:00PM
SaturDay 9:00aM - 5:00PM
24 HoUR aTM
gOSheN
Department of Public works bldg., route 17M
MoNDay - tHurSDay 8:30aM - 4:30PM
friDay 8:00aM - 4:30PM
harrIMaN
Old glory Mall, 95 Maher Lane, Ste. 9
MoNDay - tHurSDay 9:00aM - 5:00PM
friDay 9:00aM - 6:00PM
24 HoUR aTMs
waShINgtONVILLe
131 east Main Street
LObbY DrIVe-uP
MoNDay - tHurSDay 9:00aM - 5:00PM 9:00aM - 5:00PM
friDay 9:00aM - 6:00PM 9:00aM - 6:00PM
SaturDay 8:30aM - 2:00PM 8:30aM - 2:00PM
24 HoUR aTM
HOlIDAY ClOSINg CAlENDAR
YOUR MONEY: FREE & EASY
The CO-OP Network gives you
SURCHARGE-FREE access to 28,000
ATMs throughout the US and Canada.
Find one wherever you are:
• ONlINE: click to www.hhfcu.org
• bY PHONE: text your address, intersection or
zip code to 692667 (MYCOOP)
*Standard text messaging rates may apply through your provider)
• iPhone: download the FREE CO-OP ATM
iPhone app from the iTUNES store.
• gPS: Download the database to your
Garmin®, Tom Tom® or other GPS
device here at http://poiplaza.com
Note: Surcharges should not occur when withdrawals are made through the co-oP
Network. However, some atM machines may indicate a fee notice on the screen when
your transaction is being processed. to verify a surcharge was not charged, please
check your receipt. the receipt will show any surcharge as it will be added to the total
withdrawal amount. Please contact us immediately if a surcharge does occur.
MIDDLetOwN
25 rykowski Lane
MoNDay - WEDNESDay 9:00aM - 5:00PM
tHurSDay - friDay 9:00aM - 6:00PM
SaturDay 8:30aM - 2:00PM
24 HoUR aTMs
42 Jason Place
MoNDay - WEDNESDay 9:00aM - 5:00PM
tHurSDay-friDay 9:00aM - 6:00PM
New PaLtz
243 Main Street, Suite 160
MoNDay - tHurSDay 9:00aM - 5:00PM
friDay 9:00aM - 6:00PM
SaturDay 8:30aM - 2:00PM
24 HoUR aTM
SuNY Campus - Lower Level of haggerty
administration building, 1 hawk Drive
MoNDay - friDay 9:00aM - 5:00PM
ATM Located in Student Union Building, available during open building hours
MONtgOMerY
17 walnut Street
MoNDay - friDay 7:00aM - 5:00PM
SaturDay 8:30aM - 2:00PM
MeMber SerVICe CeNter hOurS
MoNDay - friDay 8:00aM - 7:00PM
SaturDay 8:30aM - 2:00PM
All HUDSON HERITAgE lOCATIONS WIll bE ClOSED IN ObSERVANCE OF THE FOllOWINg HOlIDAYS:
labor Day, Monday, September 5, 2011
columbus Day, Monday, october 10, 2011
HoW To REacH US: 845.561.5607 | www.HHFcU.org
EQUAl HOUSINg
lENDER