Money Matters Spring 2020

Anything Loan Our members are helping others. JHFCU is here to help you. Get the cash you need with our Anything Loan. If you’re stuck at home, and have bills piling up in your mailbox or inbox, use our Anything Loan to consolidate bills or credit card balances. Plus, take advantage of our “No Payment for 90 Days” option. These are uncertain times. Whether you need funds for a home repair, new computer, medical bills, or really anything, apply today. • Rates as low as 7.0% APR * • No payments for 90 days • Settle electronically with e-signatures Visit jhfcu.org today or log in to your account and apply for your Anything Loan. Have a larger project? Check out our Home Equity Loan and Home Equity Line of Credit options at jhfcu.org . *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. JHFCU’s Annual Meeting Update The JHFCU Annual Meeting, which is typically scheduled for the spring of each year, will be postponed due to COVID-19. The JHFCU Board of Directors is discussing options for the Annual Meeting. Details will be communicated to the membership as they become available. 2 MONEY MATTERS | Spring 2020 Expanded Account Access During COVID-19 JHFCU recognizes that between the external economic environment, and the changes JHFCU has made to branch access, that members may have different needs. In order to help members access their funds during this pandemic period, JHFCU has made the following adjustments. • Free Holiday Club and Education Savings account withdrawals – JHFCU has temporarily suspended the fees for withdrawals from Holiday Club and Education Savings accounts. • You now have access to Holiday Club and Education Saving Accounts in Online Banking – You can transfer funds from your Holiday Club or Education Savings account to your Savings or Checking account, or to make a loan payment. • Free early withdrawals or closings of Share Certificates – JHFCU has temporarily waived the fee to withdraw from or close a Share Certificate account before maturity. • No fee from JHFCU for foreign ATM withdrawals – Members already have totally fee-free access to an extensive network of ATMs, but JHFCU now has also temporarily waived our fee if you use a foreign ATM not in that network. You may still be charged by the machine owner as we have no control over their fees, but you will not be charged a foreign ATM fee by JHFCU for any ATM withdrawal. • No fee for temporary ATM or Debit Card increases – If you need to make a larger cash withdrawal at an ATM or purchase at a vendor using your Debit Card that exceeds normal policy limits, JHFCU has temporarily waived the fee to process the increase. Additional Information: Beware of COVID-19 Scams As an additional service to members, JHFCU has updated our Security Center section of our website with helpful information about scams that have emerged as unethical persons have schemed to cheat consumers. At all times we urge you to be wary of any unknown party who contacts you and either promises to help (in exchange for money) or to scare you into purchasing something or giving up personal information. Please also continue to be wary of debit/credit card scams and other security concerns outlined in the Security Center as well.