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INSIDE THIS ISSUE:
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Imagine having cash in your bank account to...
- Put on a new deck
- Improve or repair your house
- Pay off your credit card debt
 Apply toward your child's education - Take a dream vacation
You don't have to imagine it! With an
APEX home equity loan or line of
credit, you can get the money you need
at incredibly low interest rates! The
application process is quick and easy:
our helpful representatives will walk
you through every step of the way.
Plus, when your loan is approved, you
will receive a VISA gift card! Just
think - you can use that gift card to
put a TV in your newly finished rec
room, to plant flowers around your
new pool, or to put deck chairs on
your new patio! We'll put the money
right in your pocket!
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Remember to maintain adequate
insurance for your vehicle. It's
not only the law but it's also
required under your loan
agreement with APEX
Community Federal Credit
Union. You promise under the
loan agreement that you will
keep your vehicle insured against
fire, theft and collision until the
loan is paid in full. You also
agree to not change the terms of
your insurance, such as
increasing the amount of your
deductible, without APEX's prior
approval. The insurance must be
satisfactory to APEX and protect
your interests and APEX's
interests at the time of any
insured loss. The insurance must
be sold by a company qualified
to do business in Pennsylvania,
name APEX as the "loss payee,"
and provide APEX 10-day's
written notice prior to any
cancellation or reduction in
coverage.
 APEX can demand proof of
insurance for your vehicle at any
time during the term of the loan.
If you fail to provide proof of
adequate insurance, APEX has
the right to take certain actions
including, but not limited to,
purchasing insurance (potentially
at a higher rate) for the vehicle
and demanding payment from
you, repossession of the vehicle,
and file suit for attorneys' fees
and costs. Additionally, if you
are caught driving without
insurance, you can face
criminal penalties including
suspension of your
vehicle's registration and
your driver's license.
Remember to inform APEX
if you are considering changing
insurance companies. If you have
any questions about insuring your
vehicle, please feel free to contact
APEX. APEX Community
Federal Credit Union is
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Make Sure About Your Insurance!
reminding you of your
requirements for insurance to
protect your interests and the
interests of all the members of
APEX Community
Federal Credit
Union.
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APEX is pleased to announce that DMB Insurance provides
valuable insurance products for APEX members. DMB has been
serving individuals, families and businesses with a wide array of
insurance products since 1976. As a locally owned and operated
business, the staff at DMB understands your specific needs and are
constantly adding products designed to give you the maximum
benefit at the best possible price.
David M. Buttaro, DMB founder and president, is a Certified
Medicare Specialist qualified to assist those APEX members
needing to make critical Medicare decisions. The current DMB
insurance portfolio includes brokerage and consulting services in
the areas of life and health, disability, property and casualty and
ancillary coverages, such as dental, vision and prescription drug
programs. In addition, DMB is able to offer individual Aflac
insurance products to APEX members.
To get a rate quote for any of your insurance needs, contact DMB
by clicking the Insurance Brokerage link under the insurance tab on
the APEX web site, or call them directly at 610-326-0940.
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Are you looking for a secure
place to invest in today's
chaotic economy? Do you
want to get higher rates on
your pension? Do you have
CDs approaching maturity?
Roll over your current IRA or
establish a new IRA account
at APEX! No minimum
deposit amount is required,
and your investment will be
protected and insured up to
$500,000!
- Roth IRAs
- Traditional IRAs
- Educational IRAs
Time is running out to make
your 2009 IRA contribution -
act before April 15th!
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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.
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If you want to purchase your
first home, move up to a larger
home, or refinance your current
mortgage, come to APEX! We
provide you with low rates,
flexible terms, and unbeatable
service - guaranteed!
APEX offers mortgages
through the State Financial
Network, a mortgage banker
who can provide you with the
most competitive, up-to-theminute
rates. You will be able to
take advantage of:
 Fixed rate loans - Adjustable rate loans
- Balloon loans
- Jumbo loans
- Construction loans
Plus, when you apply for a
mortgage through APEX, you
can take advantage of a free preapproval
process, on-site title
agency, convenient escrow
accounts, and quick processing
time. For more information,
simply call us at 610-
970-LEND, or
contact the State
Financial Network
and ask for Roberta at 610-325-5112 or Sue
at 610-325-5121.
You'll be putting up
your feet in your
new home in no
time!
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At APEX, we offer Courtesy Pay
to eligible members. If you have
signed up for Courtesy Pay,
please be aware that:
- Courtesy Pay will cover any
overdrafts on your checking
account to a set limit -
generally $500.
- Courtesy Pay is
discretionary: APEX reserves
the right not to pay if certain
criteria are not met, for
example, we typically do not
pay overdrafts if your
account is not in good
standing, or if you are not
making regular deposits.
- When Courtesy Pay pays an
overdraft for you, you will be
charged our normal overdraft
fee, currently $30.00 for each
item.
Individuals who are planning to
sign up for Courtesy Pay or who
have recently signed up should
note that Courtesy Pay goes into
effect on the next Saturday after
their application has been
approved, as long as their
checking account has been active
for at least 45 days. If you have
any questions about Courtesy
Pay, how to apply for it, or when
it will go into effect for your
account, please call APEX
at 610-323-4135 and we
would be glad to
assist you.
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Out of town? On the run? We're
now making our Mobile Banking
option available at absolutely no
cost to you! Wherever you are,
you can access your APEX
accounts right from your cell
phone or PDA to transfer money,
check your account balances, and
more! Mobile Banking offers you
complete convenience, secure
access to your accounts, and 24-7-
365 banking at https://apex.onlinecu.
com/mobile. For complete
instructions on how to use your
new Mobile Banking, go to
www.apexfcu.com. It's time to
bank on the go!
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Our Bill Payer service is
expanding! You will now be
able to:
- Use funds from another bank
to pay your mortgage or bills
through Bill Payer.
- Send funds through Bill Payer
from APEX to another
financial institution.
- Deposit funds through Bill
Payer into your APEX account
from another institution.
Bill Payer is a free service if you
use it to pay your bills regularly.
For more information on how to
sign up for and use Bill Payer, call
us at 610-323-4135.
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Manage your money at APEX
with Quicken and QuickBooks!
Through our home banking
service, you can:
- Set a budget
- Track expenses
- Cut costs
- Prepare tax records
- Pursue financial goals
- And more!
Questions on how to start using
Quicken and QuickBooks online?
Call us at 610-323-4135!
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Due to federal regulations (the Reg. CC Funds Availability Act), all
checks are now considered local and will qualify under local holds.
This will, in many cases, speed check processing time. Exceptions
may apply. Please contact APEX if you would like to see a copy of
our Funds Availability Policy.
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Due to an increase in
international fraud, APEX
has instituted TranBlocker on
all accounts! TranBlocker is a
powerful, real-time, webbased
ATM/Debit fraud
deterrent tool. TranBlocker
protects your financial
accounts by automatically
blocking all international
activity on your account.
If you travel regularly and
would like to have
TranBlocker removed from
your account permanently,
call APEX at 610-323-4135 and we will be glad to assist
you. Or, if you travel
occasionally, simply call us
before your trip and we will
deactivate TranBlocker for
the duration of your trip and
reinstate it upon your return.
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High school, college, and
graduate students: we know how
tight funds can be! That's why
we're giving you a bundle of
services... all without fees and
completely free!
- No minimum balance
- No monthly service fee
- No overdraft transfer fee
- No ATM/transaction fee
- Debit rewards
- Free check copies
- Free home-banking
- Free bill pay
- Free banking by phone
- Free eStatements
- Free notary service
- Free auto/homeowner's/
renter's insurance quote
- Free direct deposit
- Free shared branching
- Free coin counter
- Free Quicken and
QuickBooks access
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As a financial institution,
APEX Community Federal
Credit Union (APEX) must
comply and enforce numerous
federal regulations. One of
these regulations, know as
Regulation D, sets limits on
certain types of transactions
conducted on savings, clubs
and money market accounts. To
be in compliance, you are not
supposed to use these types of
accounts like you do a checking
account. These limitations
allow you to make no more
than six (6) preauthorized
(ACH), automatic, telephone,
audio response (ART), check or
e-banking (Virtuoso) transfers
to another account of yours or
to a third party, during any
calendar month. If you exceed
these limits, your account will
be subject to a fee and possible
closure.
Note: You may make unlimited
transfers to pay a loan and have
no restrictions for in-person, by
mail, night drop or ATM
transactions.
Please review the information
below to determine which
transfers and withdrawals are
covered (and therefore counted
toward the limit) and which are
not covered and do not count.
Covered Transfers and
Withdrawals (limited to
6 per month)
- Transfer or withdrawals
made to another account if:
- Preauthorized transfer
- Automatic transfer
- By telephone
- Transfers or withdrawals to a
third party, if made by:
- Preauthorized transfer
- Automatic transfer
- By telephone
- Transfers to a third party, if
made by:
- Check, draft, debit card
or similar order and
payable to third parties
The covered transfers and
withdrawals also include those
transmitted from a home
computer (Virtuoso) and those
automated using a touch tone
telephone (ART).
Non-Covered Transfers and
Withdrawals
- Automatic payment transfers
for the purpose of repaying
loans
- Transfers from one account
to another if made by:
- Mail
- Messenger
- ATM
- In Person
- Withdrawals to you from the
account if made by:
- Mail
- Messenger
- ATM
- In Person
- Withdrawals made by
telephone via check mailed
to the depositor.
- Transfers into the account.
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Ask Us How!
(610) 323-4135 or (610) 970-5363
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Fred Winner -
Chairman
John Zueno -
Vice/Chairman
Gary Twardowski -
Secretary/Treasurer
Joe Kandler
John Logan
George Babilon
Bill Dwyer - Director
Emeritus
David Cocci -
President/CEO
Stephen Ziegler - VP
Accounting
Jonathan Dobry -
Branch Operations
Trisha Schadler -
Lending Supervisor
Tina Shingle - Member
Service Supervisor
Joan Kohn
Mardell Ludwig
Jodi Toennies
Keith Shingle
Lynn Yocom
Carol Loomis
Denise Faust
Lori Weimer
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APEX offices will observe the following holidays:
Monday, May 31st - Memorial Day - Closed
Monday, Juy 5th - Independence Day - Closed
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