HOT REWARDS THIS SUMMER - NASA Federal Credit Union

JUNE 2012
HOT REWARDS
THIS SUMMER
Platinum Advantage Rewards... Giving you more.

TRAVELING
ABROAD
THIS SUMMER?
Giving you more.
If you plan to use your NASA FCU Check Card
and/or Credit Card abroad, notify the Credit
Union several days prior to your travel date. It’s
the best way to ensure that your card will deliver
the same value overseas as it does here in the U.S.
more flights. more hotels. more activities.
Whether you’re planning that special vacation or need to pay for unexpected expenses this summer,
use the NASA Federal Platinum Advantage Rewards Credit Card and enjoy some of the hottest
rewards around.
n Great Reward Selection: Choose from an array of merchandise and travel rewards
n 1-1 Point Transfer: Earn one reward point for every dollar you spend
n Low Redemption Values: Rewards start at just 700 points
n Book with No Blackout Dates: Travel on your terms—whenever your schedule permits
A Credit Card Rewards Program that Sizzles!
Ride out the heat waves this summer with the sizzling rewards of the NASA Federal Platinum
Advantage Rewards Card. Apply today at nasafcu.com/apply.
Transferring Balances is Easy—and Free
Transferring balances from your higher-rate credit cards has never been easier. Plus, there is no fee.
So visit nasafcu.com/balancetransfer today to transfer your higher-rate balances to a NASA Federal
Platinum Advantage Rewards Card!
We’ll make a note on your account so we know
you’re on a trip and need access while away. Rest
assured your travel dates will remain confidential.
Before you pack your
bags and take off on
your trip, remember:
n Have your travel
documents in order, including your
passport, visas, etc.
n Budget your expenditures, estimating the
average cost of daily expenses to keep
spending under control.
n Carry valuables in a concealed, inside pocket
or in a sturdy bag that closes or zips securely.
n Put your name, address and telephone
number on the inside and outside of all
luggage.
n Find out about quarantine laws in the country
to which you are traveling if taking a pet.
Call to notify us about your travel dates at
301-249-1800, or toll-free 1-888-NASA-FCU,
ext. 200.

HOME IMPROVEMENTS & HOME EQUITY
A Winning Summer Combination
Like SPF 30 and a good pair of flip flops, summer home improvements
and home equity go hand-in-hand!
Introductory
Best for ongoing borrowing needs like a
1
series of home improvements or a credit
reserve for unexpected expenses.
. 99%
n Variable rates as low as 4.00%* APR
APR *
n Market-leading rates, no points, closing costs 1 or fees
for 6 months
n Easy access to funds with online banking or convenience checks
n Credit lines up to $250,000
Ideal for one-time borrowing needs
Home Equity Loan and offers predictable, fixed payments
for the term of the loan.
n Market-leading rates, no points, closing costs 1 or fees
n Fixed Rates as low as 3.74% 2 APR and extended terms
n Borrow up to 90% of your home’s value
n A one-time payout to get your money up front
n Loan amounts up to $250,000
Home Equity Line
Your to-do list isn’t getting any shorter. And, like summer, these rate
won’t be around forever—so apply today. Stop by any branch, call
301-249-1800, or toll-free at 1-888-NASA FCU, ext. 802, or visit
nasafcu.com/home-equity.
1
No closing cost offer available one time only per
property. Closing costs must be repaid if line or loan
is closed before 24 months. 2 Annual Percentage
Rate (APR) is based on evaluation of applicant’s
credit and on associated loan-to-value ratio. Your
actual APR may vary. *APR=Annual Percentage
Rate. Introductory APR applies only to the Home
Equity Line and is for the first 6 billing cycles. Upon
expiration of the intro rate, all balances will accrue
interest at the variable APR in effect for your account.
APRs are based on evaluation of the applicant’s
credit. Your APR may vary. Other conditions apply.
4.00% Floor Rate regardless of a temporary lower
Prime Rate. The APR is a variable rate and is based on
the prime rate as disclosed in The Wall Street Journal
plus or minus a margin based on your credit history.
The rate is subject to change. Maximum APR is 18%.
We do business in accordance with the
Federal Fair Housing Law and the Equal
Credit Opportunity Act.
FINANCIAL
SELF DEFENSE
t’s home improvement
time again. And someone
with a pickup truck and a smile
knocks on your door, mentions
something on your to-do list, and offers to do it
at a cost that seems almost too good to be true.
Here are three steps to take before
hiring a contractor:
1. Verify the contractor has liability
insurance. If the contractor or his
employees cause damage to your property,
this ensures that he can make good on any
damages.
2. Require a license number. If a worker
gets injured on the job, and worker
compensation insurance isn’t in place, that
worker could sue both the employer and you,
the property owner, for damages.
3. Check References. Reputable contractors
with a good track record will have references
from prior jobs.
Following these three steps will help you to
avoid scams. Using licensed contractors and
checking references is a smart move, and it
protects you against unwanted liability when
things don’t go as planned.
CALENDAR
n July 4, 2012 – Independence Day
All offices closed.

LOWERING YOUR AUTO
PAYMENTS IS A BREEZE
DON’T FACE THE HIGH
COST OF COLLEGE ALONE
NASA FCU can help.
As every parent knows, the cost of education
is constantly on the rise, creating an increasing
gap between the full cost of tuition and the
amount of available financial aid. As a result,
many families turn to higher-cost private
student loans to help cover the difference.
The Solution is Credit Union Student Choice
The Credit Union Student Choice loan program
is a smart alternative to other high-rate private
student loan programs.
It offers:
n Deferred payment while in school
n Flexible repayment options
n No origination fees
n Competitive interest rates
If you have a high-rate auto loan with another financial institution and want to drive
down your car payments, we’ve got great news. For a limited time, NASA FCU will beat
your current rate by at least 2%! *
u Reduce your current rate by at least 2% *
u Apply online at nasafcu.com/BeatYourRate
u Rates as low as 1.99% APR *
Speak with a Student Loan Specialist at
1-800-322-8816 to apply by phone, or apply
online at nasafcu.com/student-loans.
You can also get more information by
viewing our CU Student Choice webinar at
nasafcu.com/cusc-webinar.
At NASA FCU, we’re committed to helping members save money—and achieve brighter financial
futures—by providing affordable financing and payment plans that work with any budget. Offer
ends soon. Apply today at nasafcu.com/BeatYourRate!
*Subject to credit approval. Offer doesn’t apply to loans currently financed with NASA FCU. Verification of current rate required. Membership and certain
restrictions apply. Offer and rates subject to change without notice. The 1.99% rate is available for highly qualified applicants, term up to 36 months and model
year must be 2011 or newer.
u Hurry! Apply today—this is a limited time offer.

LOCATIONS
u We’re Making a Difference
in Education…
2012 Scholarship Winners are top, left to right: Geoffrey Manyin,
Vernon Jones, James Williams, bottom left to right: Alyssa
Hickman, Julia Tolson, Chase Charron.
NASA FCU Awards Scholarships
to Six Local Students
NASA FCU is proud to announce the winners
of the 2012 Mitchell-Beall-Rosen Memorial
Scholarship Contest. The annual program
rewards the writing talent and academic
achievements of young NASA FCU members
working toward four-year or two-year
undergraduate degrees or vocational studies.
Scholarships are awarded based on the
evaluation of a written essay and a personal
interview conducted by the Scholarship
Committee. Scholarships up to $7,000 are
awarded to assist with the costs of tuition,
books and living expenses.
Six Maryland and Virginia high school seniors
are among the list of recipients for this year’s
scholarship awards.
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any
other partyassumes liability for loss for damage due to reliance on this material. Loans subject to credit approval. © 2012 NASA Federal Credit Union.