Money Matters Fall 2022

410-534-4500 800-JHFCU-70 jhfcu.org Members: 42,539 Assets: 614,395,411 Call Center 410-534-4500 • 1-800-JHFCU-70 M,Tu,Th,F 8:30 a.m.–5:00 p.m. Wednesday 10:00 a.m.–5:00 p.m. Branch Locations Hours: M,Tu,F 8:30 a.m.–4:00 p.m. Wednesday 10:00 a.m.–4:00 p.m. Thursday 8:30 a.m.–5:00 p.m. East Baltimore Branch 2027 E. Monument Street Baltimore, MD 21205 24-Hour Drop Box available Homewood Branch 4 E. 33rd Street Baltimore, MD 21218 Bayview Branch 5201 Alpha Commons Drive Baltimore, MD 21224 24-Hour Drop Box available Administrative Office Canton Crossing Tower 1501 S. Clinton Street, Suite 1200 Baltimore, MD 21224 Lost or Stolen ATM, Debit or Credit Card 410-534-4500 • 800-543-2870 Press 2 to speak with a representative After Hours: For ATM/Debit Card, press 5 For Credit Card, press 6 MoneyMatters is published by the JHFCU of ce staff. The views expressed do not necessarily re ect those of The Johns Hopkins Hospital or University administration. Address all correspondence to: Johns Hopkins Federal Credit Union c/o Editor, MoneyMatters 2027 E. Monument Street Baltimore, MD 21205 Federally insured by NCUA Columbus Day Monday, October 10 Veterans Day Friday, November 11 Thanksgiving Thursday, November 24 Friday, November 25 Christmas Day (observed) Monday, December 26 New Year’s Day (observed) Monday, January 2 You can access your accounts via Online Banking, the JHFCU Mobile Banking App, TeleBranch 24 and ATMs. 2 MONEY MATTERS | Fall 2022 HOLIDAY CLOSINGS Have Questions? We Can Help! We know it can be overwhelming when it comes to buying, selling, or re nancing your home, and all that comes in between. Plus, with so many options, it’s hard to tell which option is right for your individual needs. Our experienced Lending Team will take the time to break things down and explain the process and ALL of your options. Give us a call at 410-534-4500, x740, or email Mortgages@jhfcu.org to get started. Holida y Loan We can help ease the burden of holiday expenses with our seasonal Holiday Loan . Borrow up to $1,200 and spread the repayment over the next 12 months for a more affordable monthly payment. * Apply online November 1 through December 31. Anything Loan Need more than $1,200? Our Anything Loan can help, plus longer repayment terms are available. Apply today. The Holidays Are Just Around the Corner *Payment Example: A $1,200.00 holiday loan at a xed rate of 6.5% Annual Percentage Rate (APR) for 12 months would require 12 monthly payments of $103.56. Holiday Club Savings Account Open a Holiday Club Savings Account * * and start tucking away as little as $5 each week so that when the holidays roll around in 2023, you’ll have the money you need for all of your holiday and gift giving ideas. You can easily add funds using payroll deduction or scheduled recurring transfers from another account. To open, log in to your account online at jhfcu.org , click “Open Sub-Account,” then “Holiday Club.” **Early withdrawal penalties apply and may reduce earnings.