Summer 2008
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INSIDE THIS ISSUE:
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Everyone should enjoy the summer! But don't forget that September is just
a few short weeks away! Whether your son or daughter is still in high
school, has just graduated, or is going away to college, APEX has
everything they need to start their financial future right!
 First Auto Loan: At APEX, we’ll help that first car purchase go
smoothly with a low-interest auto loan!
- Refinancing Options: Already bought a vehicle? No worries! We offer
great low rates and terms on refinancing that can immediately reduce
the monthly payments!
- Mad Card: Our ATM/Debit card is perfect, whether your son or
daughter is taking classes locally or is attending college out of town.
- First Credit Card: Put an APEX MasterCard in your son or daughter’s
pocket - it's the only credit card they’ll need!
- Checking Accounts: It's never too
early to start taking care of
finances: if your child is 16 or
17 years old, they can open
an account and we’ll give
them their first box of
checks free!
- Low Interest Loans: Need
a loan to help meet college
expenses or tuition? Give
us a call – we understand
that students need low
interest loans, and we’ll be
glad to help!
- FREE Online Banking: Whether at home
or away, your son or daughter can access their APEX accounts 24/7!
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With gas prices skyrocketing, now is the time to take advantage of APEX’s many convenience
services! You don’t have to drive to our branch offices to take care of your business
and conduct your transactions! You can …
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With identity theft on the rise and phishing and vishing attacking
thousands every day, it is essential that you keep a vigilant watch on your
accounts. APEX can help! Protect yourself against identity theft with
PrivacyGuard - a service that provides daily credit monitoring, access to
credit reports, and identity theft coverage. For more information, visit
http://www.privacyguard.com.
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Bring your whole family to
APEX's Youth Day on Friday,
August 22nd, from 11 a.m. to
1 p.m.! All children will enjoy
the pony rides, moon bounce,
and more... and everyone
will enjoy tables of free food!
And while you're here with
your kids, why not open an
Advantage Youth Savings
Account for each of them, or
add to the one they already
have? It's never too early to
teach children good saving
and spending habits.
Remember, the future gets
closer every day!
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Come to APEX for the student
loan you need to further your
education! We support and
encourage education for all
ages, and would be glad to
fund your college or
university studies!
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Not only can you streamline your
entire vehicle purchase by using a
CUDL AutoSMART dealer (See
article: Buying a Car? Be
AutoSMART!), but every time
you finance a vehicle through
APEX, you can benefit from the
APEX Auto Advantage!
- Get pre-approved and shop
with confidence! Call APEX
at 610-970-LEND (5363) and
have your loan pre-approved.
You’ll know exactly what
monthly payment you can
afford, where you should
negotiate on price, and avoid
dealer financing pressure!
- Learn the facts! We’ll
provide you with the true
value of your trade-in as well as the resale value of any used
vehicles you may be
interested in purchasing –
absolutely free!
- Streamline your search! With
the Motor Vehicle
Certification Program
(MVCP), we’ll seek out the
best price for the new vehicle
you are looking for.
- Finance up to 100% of your
purchase! If your credit is
approved, you can finance up
to 100% of the cost of buying
your new vehicle – including
tax, tags, and warranties!
- Avoid out-of-pocket expenses! With Guaranteed
Auto Protection (GAP)
coverage, you won’t have to
worry about paying the
difference between what you
owe and what your insurance
will cover if your vehicle is
stolen or damaged.
- Eliminate large repair bills!
Don’t worry about getting a
huge car repair bill! With the
Mechanical Breakdown
Protection (MBP) program,
your new or pre-owned car
will be covered against the
increasingly high cost of
repairs.
The APEX Auto Advantage is
yours! Just call us at 610-970-LEND
(5363) today!
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Interested in buying a new or
used vehicle? As an APEX
member, you can streamline your
entire vehicle-purchasing
experience by going to a CUDL
AutoSMART dealer!
What is CUDL?
The Credit Union Direct
Lending® (CUDL) system
connects your car dealership,
APEX, and you to get you the
affordable financing you need for
the vehicle you want. You can
complete all the financing
paperwork right at the dealership
– you won’t have to come back to
the APEX branch office at all!
Why should I choose a CUDL
AutoSMART dealer?
Whereas a regular CUDL Dealer
can provide you with APEX
financing right at the dealership, a
CUDL AutoSMART Dealer goes
one step further: he or she can
process your requests for vehicle
quotes directly, streamlining your
buying experience and making it
more relaxing.
Should I make an appointment
with a CUDL AutoSMART dealer?
Yes! When you work with an
AutoSMART dealer, the first
thing you want to do is make an
appointment. Your dealer will
provide you with faster service.
While an ordinary car-buying
experience can take half your day,
you can drive away from an
AutoSMART dealer in your new
car in much less time.
How do I find a CUDL
AutoSMART dealer?
Just go online to
www.apexfcu.com! We have an entire section explaining the
CUDL process and providing you
with valuable tools and resources
to help you make your next
vehicle purchase wisely. You’ll be
able to enter your zip code, then
select your vehicle make and
distance from the drop-down
menus. We’ll provide you with the
CUDL AutoSMART dealers in
your area.
Visit the CUDL AutoSMART
section on our website today! By
taking advantage of the
information and resources
available on the website, we hope
to make your auto
buying
experience
easier, faster,
and more
satisfying!
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In a difficult housing market,
APEX has good news for you!
We are offering low rates and
competitive terms on a variety of
mortgages and home equity
loans. Simply call
610-970-LEND or our mortgage center at
610-325-5112 or 5124 today!
First Mortgages (15-30 years)
Yes, you can purchase your first
home or move into a larger
home! We have first and second
mortgage programs available for
all needs, including fixed rate
mortgages with affordable
repayment terms. Our
experienced loan representative
will help you choose the
mortgage that's right for you!
Construction Loans
Our Construction Loans will
make your dream house a reality!
Our loan representative will explain to you all the
requirements and steps to
financing the construction of
your ideal home.
Home Equity Fixed Rate Loans &
Variable Lines of Credit
Think about what you could do:
add a deck, kitchen, or bath; pay
for an education; take a special
vacation; consolidate your debt;
and more. Your opportunities are
unlimited! Plus, the interest you
pay on a Home Equity Loan is
usually tax deductible – be sure
to check with your tax advisor.
It's the next best thing to a NO
interest loan!
Refinance Your Current Loan
Don't pay more interest than you
have to! Come to APEX and
we'll help you refinance your
mortgage to save money every
month!
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Do you rent an apartment,
house, or condo? Protect your
possessions against loss or
destruction with APEX's
affordable renters insurance
policies. Call us today!
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Our heartfelt thanks go to
the family and friends of
Ray Angstadt for his years of
service on the Board of
Directors at APEX. We
extend our sympathy to you
in your time of loss.
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APEX offices will observe the following holidays:
Fourth of July – Closed
Friday, July 4th
Labor Day – Closed
Monday, September 1st
Columbus Day – Closed
Monday, October 13th
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