Money Matters Fall 2019

410-534-4500 | 1-800-JHFCU-70 jhfcu.org Make Your Holiday Shopping MERRY & JOYFUL You’re just settling into your fall routines, haven’t had a chance to carve your pumpkin, and holiday shopping is already in full gear. It seems to come earlier and earlier each year. Here are a few tips to help keep your mood and finances cheerful this season. • Earn Ca$hPerks on select JHFCU Debit Card transactions in addition to any store coupons or codes you use. To view your offers, log in to your account online or through our mobile app. • Instead of scrounging for cash or signing up for an expensive department store charge card, see us for a Holiday Loan . We’re offering a fixed rate as low as 6.5% APR*, with simple repayment terms. • Sign up for a Holiday Club Account . With automatic transfers and a competitive rate, this is a super-simple way to plan for next year’s expenses. • Carry our Visa ® Platinum Credit Card , and take the others out of your wallet. Or opt for our Visa Platinum Rewards Credit Card and earn points while you shop, to redeem a little something for yourself! Our cards offer great low rates with no annual fee**. • Register your card for Visa Purchase Alerts to keep your online transactions more secure. More information is available on page 3. • Download our FREE Mobile App , giving you more time for holiday fun. You can easily find an ATM, make a transfer, deposit a check, and more. • Always be aware of your surroundings. Watch your purse or wallet carefully, and make sure no one is looking over your shoulder when you’re entering personal identification numbers (PINs) or signing receipts. * *APR = Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change. Available only in November and December 2019. **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. FALL 2019 JOHNS HOPKINS FEDERAL CREDIT UNION

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