410-534-4500 | 1-800-JHFCU-70 jhfcu.org WINTER 2019 JOHNS HOPKINS FEDERAL CREDIT UNION Do You Have Financial Goals for 2019? JHFCU Is Here to Help! One in four Americans rang in the new year worried about their finances, according to a new GOBankingRates survey. As your Credit Union, we know you have a lot on your mind, and don’t want financial insecurity to be one of them. As your trusted financial partner, we offer multiple tools and resources to help you gain financial success in 2019 and beyond. SAVE FOR THE FUTURE • Custom Savings – Use our Custom Savings accounts to help you save for a specific reason and keep funds from mingling with your regular savings. You can even customize the name of each account (some restrictions apply). • Payroll Deduction – An easy way to allocate your pay to a variety of accounts, including Holiday Club or Custom Savings accounts, or to conveniently make automatic loan payments. • Recurring Transfers – Use this online banking tool to automate saving and watch your savings balance grow (or your loan balance decrease). PAY DOWN DEBT • Credit Card Balance Transfer – Save money by transferring your credit card balance(s) to JHFCU’s low-rate Visa® Platinum Credit Card with no balance transfer or annual fee. * • Bill Consolidation Loan – Are you struggling to pay multiple loans each month? We can help simplify your bills by consolidating your debt into one loan, and may save you hundreds on interest. • Home Equity Loan – Use the equity in your home to help pay down debt. No closing costs**, various terms, and a competitive rate make this an attractive option for many. Or use the funds for home improvements, tuition, or other expenses you have in the new year. • First Mortgage Refinance – We may be able to save you thousands over the life of your mortgage, or free up some cash flow, by refinancing your mortgage at a lower rate. For current rates, visit jhfcu.org . For Credit Card balance transfers, Bill Consolidation Loans, and/or Home Equity Loans, apply online, via our mobile app, or visit a branch. For First Mortgage applications or other information on how we can help you pay down debt, contact our Lending Department at 410-534- 4500 ext. 503 , or email LD@jhfcu.org . MANAGE, BUDGET & PLAN • MoneyDesktop – Track your spending with our free online budgeting tool. To get started, log in to your account online and click the “MoneyDesktop” link. Your JHFCU accounts will automatically be added and you can add external accounts to get a complete financial picture. • GreenPath Financial Wellness – Contact our free (and confidential) budgeting and financial counseling service to help you find your path to financial freedom. Call 1-877-337- 3399 or visit greenpath.com . • Baltimore-Washington Financial Advisors (BWFA) – BWFA is a fee- only wealth management firm that provides our members with a free initial consultation, retirement analysis, and portfolio review. Contact them directly at 410-461-3900 or email@example.com or visit bwfa.com . You can also find information and links to GreenPath and BWFA, as well as other helpful tools and articles, in the “Financial Tools & Resources” tab at jhfcu.org . You can also give us a call at 410-534-4500 to discuss how we can help you with your 2019 financial resolutions! *Rates are based on applicant’s credit and the type of credit card and may vary at JHFCU. Fee for foreign purchases is 1% of each transaction in U.S. dollars. Cash advance fee is $5 or 2% of the amount of each cash advance, whichever is greater. **The closing costs will be added back to the loan payoff balance if the loan is paid off within the first three years and are only paid by JHFCU one time per property. Access your home equity line via Online Banking, Telebranch 24, or in person.