Ever feel like you should be rewarded for making introductions, leading your family to a great idea or showing your friends something unique!?  We feel the same way!   As a member of Hopewell Federal Credit Union, YOU are an important resource and testament why Credit Union membership is so valuable.  We would like to invite you to Introduce Your Family To Ours

HOW IT WORKS
If you refer a family member or friend, who lives, works or worships in Licking County to Hopewell Federal, we want to reward YOU!  Your referred family member or friend must open a savings and checking account and set up direct deposit OR make five debit card purchases within 90 days.  After those easy steps, we will credit your account $50!! It is that easy!

There is no limit to the number you can refer!  We value you as a member and think you should be rewarded for introducing Hopewell Federal Credit Union to your family and friends!  Start sharing the good news about Hopewell and you too could start earning $50! 

Call 740.522.8311 or stop in today.

Funds will be deposited to referring member within 90 days of account opening if all qualifications have been met.  Initial deposit of $25 to savings is required with all new accounts.  Promotion deadline is 12/31/11 but may be subject to change or cancellation.  The Introduce Your Family To Ours referral incentive is only valid for existing members. 

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Summer Fun…and Saving

Summer officially arrived yesterday and we hope you enjoyed the longest day of the year despite a few raindrops.  As we enter into this season of heat, sun, fun, swimming and vacations, you may be asking yourself for some money saving tips.  Let us help!  We have found a few money saving tips perfect for summer.  Happy Summer…and of course, HAPPY SAVING!

5 Money Saving Tips for Summer
By Jeremy Vohwinkle, About.com Guide

You can save money throughout the year, but the warm temperatures of summer provide a few additional tips that can help you save even more money. Here are some things to try during those warm months.

  1. Turn off the air conditioning. This doesn’t mean you have to suffer through sweltering heat, but you should be aware of the weather so that you can maximize efficiency and save money by using it only when needed. For example, if it is going to be a cool night, turn off the air before heading to bed and open a few windows.
  2. Cook outside. Using the stove or baking in the oven can create a lot of excess heat that has nowhere to go except in your house. Consider taking meal plans to the barbecue grill outside so that you can keep your cool inside.
  3. Let your laundry dry outside. If you have the ability to hang up laundry outside, let the sun and warm summer breeze do the drying for you. Even if you can’t hang up clothes outside, try using your dryer on a lower heat setting or only partially drying your shirts and letting them air dry the rest of the way.
  4. Replace your air conditioner filters. This can be easy to overlook, but a dirty filter can increase cooling costs. Dirty filters restrict the airflow and the efficiency of the air conditioner, which translates into more run time and higher cooling costs. Filters are cheap, so replace them regularly.
  5. Plan ahead for future home and garden projects. As summer begins to wind down, it is a perfect time to be on the lookout for season ending sales. Landscape plants, tools, and other outdoor project materials tend to go on sale as people begin to look toward autumn and spending less time outside.

Article can be found at:  http://financialplan.about.com/od/savingmoney/qt/summertips.htm

6 Gas Savings Tips for Summer Road Trips
June 06, 2011 | Posted in Practical Travel Tips | Fodor’s Editors
With gasoline at almost four dollars a gallon across the U.S., many travelers are rethinking their summer road trip plans. But with our six tips for gas savings, you don’t have to settle for a staycation after all. Less money spent at the pump means more for the rest of your travel budget.

  1. Look for travel deals with gas cards or gas rebates.
    Both lodging options and destinations are offering gas-oriented incentives this summer like the impressive $75 gift cards from Intercontinental Hotels Vacation Pay program. You can also search for deals on tourism sites like ExploreAsheville.com and bed and breakfasts though the B&Bs Kick Gas promotion on Better Way to Stay. To ensure the deal will work for you, be sure to read the fine print and understand whether you are getting a rebate, a pre-paid card, or a resort credit. (For other great summer travel savings, see our travel deals page.)
  2. Use the web and apps to find the cheapest gas.
    Gas prices are greatly influenced by state gas taxes. A Web site operated by the U.S. Environmental Protection Agency, www.fueleconomy.gov, gives national and regional average prices. More helpful are sites like Gas Buddy and Gas Price Watch, which use tips from consumers to rank the lowest and highest gas prices in a particular area. Note, though, that the information on these sites can be outdated, so it’s best to use them as a general guideline. GasBuddy also has a free smart phone app to find the best prices while on the go; GasBag is a similar app.
  3. Look for clusters of gas stations when refueling.
    If you’re driving down the interstate looking for a place to refill your gas tank, avoid the exits that have just one or two stations. You’ll save money at exits with three or more stations, as competition helps drive down prices.
  4. Stock up—on gas—at warehouse shopping clubs.
    Along with your road trip supplies, consider fueling up at Costco and Sam’s Club. By far the most expensive places to buy snacks and toiletries when traveling are the convenience stores attached to roadside gas stations. These shopping clubs also usually have the cheapest gas prices around, and many are just off major interstates or along other well-traveled roads; before you hit the road, research the locations of some on your route.
  5. Stretch your mpg.
    The way you drive greatly affects your car’s gas mileage. Making sudden stops and starts, driving with the air-conditioning on or with all the windows down, using underinflated tires, and idling unnecessarily—such as while you eat at a fast-food restaurant or talk on your cell phone—waste gas and pollute the environment.
  6. Fuel your rental car a few miles from the airport.
    Gas stations nearest airports and car-rental agencies charge the highest rates. You can save several dollars on a full tank of gas by filling up well away from the airport. But make sure you’re not so far away that you’ll have less than a full tank of gas when you return your vehicle.

Article can be found at:  http://www.fodors.com/news/story_4619.html

Don’t Fall Prey to Phishing Scams

Emails are a way of life and despite how useful this technology is, it can also be a dangerous place for phishing scams, fraud placement or computer virus activities.  We want you to be safe and not fall prey to these types of vicious online attacks.  Just follow a few simple steps for online safety: 

  • NEVER respond to emails requesting account information.  Hopewell Federal Credit Union will never request that you provide your Social Security Number, Tax ID Number or any other sensitive information via email.
  • NEVER click on a suspicious link from someone you do not know.  
  • ALWAYS enter information by going to www.hopewellfcu.org.  Do not use an alternative website address to enter account or personal information.
  • ALWAYS feel free contact Hopewell Federal Credit Union at 740.522.8311 if you feel suspicious emails have been used.

The nation’s leading financial regulators all agree on one thing: there is reason to be concerned about the implications the Durbin Debit Card Rule may have on credit unions.  While some senators may be fine with giving a $16 billion pay check to giant retailers at the expense of small banking institutions and their consumers, there is still a chance your senator can vote to stop and study this dangerous rule before it goes into effect.

We expect that the Senate could vote on the Tester-Corker Amendment (S. Amdt. #392) to S. 782 as early as late morning tomorrow.  It is critical to generate as many contacts with your Senators as possible before the vote.  You can watch the action live on C-SPAN2 for updates on when the vote may occur.

In order to continue our efforts, please contact your Senators!  A link as been established to assist you in calling: 

http://www.capwiz.com/electronicpaymentscoalition/callalert/index.tt?alertid=49747501&type=CO

The link will provide a direct phone number to your Senator as well as talking points and an opportunity for feedback.  After calling one Senator, the information will appear for your second Senator.

Thank you for your continued help on this subject.

Tips for Enjoying Summer Vacation While Saving Money

With a few savvy spending tricks, consumers can keep money in their pockets during vacation

The weather has turned warm and the kids are out of school, that means it’s time for summer vacations. Fortunately, there are plenty of money-smart strategies and options that families can use to enjoy memorable summer vacations that don’t cost a fortune.

Hopewell Federal Credit Union  is offering the following tips to help families make the most of their money and summer vacations:

  • Make use of gas perk programs.  Traveling by car is pretty much inevitable, whether enjoying an out-of-town getaway or stay-cation this summer. Many retailers, such as grocery stores and gas stations, offer gas discounts that can amount to significant savings, especially if you plan ahead and amass the rewards over the months leading up to your vacation.
  • Bring your own food and snacks.  Whether traveling for a week-long or simple day trip, bring your own food and snacks. Food and beverage prices are typically higher in “touristy” areas, so save your money by bringing bottled water and sodas, and packing snacks and lunches.
  • Have a budget when on-site.  Many people budget for the travel and hotel costs of their vacations, but forget to consider meals and activities when on-site. Think carefully about what activities your family might want to experience – water skiing or zip lining – and what meals you’ll want to enjoy out, and budget appropriately before you leave.
  • Look for local excitement.  Summer is the season for local festivals and activities throughout Ohio, and most are free. See what’s happening in your local area by visiting www.DiscoverOhio.com. A plethora of kid-friendly and kid-free events await.
  • Leave unnecessary financial instruments at home.  Before going on vacation, look through your wallet and purse and remove any financial instruments that you won’t need, and leave them at home. Why bring your checkbook or other less-used payment methods on vacation and risk them being lost or stolen? Only bring the forms of payment that you plan on using, plus one back up.

 

THE INTERCHANGE RULE: It Directly Affects YOU

HOW IT AFFECTS YOU!
Interchange fees are the small amount merchants pay to financial institutions to help cover the costs of operating a debit card system. The amount of the fee is typically about 1.5% of the cost of the transaction.
Your credit union offers a debit card system with the help of interchange fees, which go to protect your debit card. Without interchange fees, your credit union would need to find other means to recoup the costs of fraud protection, card loss replacement, data security, and customer service.
Recouping these costs could result in some higher fees, something your credit union does not want to have to do. Your credit union enjoys offering low-cost financial services to its members.

WHAT CAN YOU DO?
Congress is in the midst of deciding on whether to delay the Federal Reserve rule on interchange. Delaying the rule will allow the Federal Reserve to have more time to study the effect on credit unions and their members.
Please help us by submitting an email to Sens. Sherrod Brown and Rob Portman. Visit the following link to submit an email in support of the delay. Just click the “take action” button under. S. 575.
http://capwiz.com/cuna/home/