Nexus Newsletter

We invite you to view the current issue of “Nexus”‚ our member newsletter.

Current Newsletter (pdf format)

• This Valentine's Season, Spread the Credit Union Love!
• Don't Pay An ATM Fee To Access Your Cash!
• America Saves. Start Small. Think Big.
• Are You Or A Family Member Headed To College in 2012?
• Get A Shovelful of Savings: Two Loans For The Price Of One.

Lafayette Federal members Save 10% on TurboTax Online Deluxe Edition or Save $30.00 on Jackson Hewitt Tax Preparation

Choose the tax filing option that is best for you and finish your taxes today!

1) Do Your Taxes Right and Get Your Maximum Refund Guaranteed with TurboTax:

• Maximum refund‚ guaranteed¹
• 100% Accurate calculations‚ guaranteed³
• FREE downloadable Audit Support Center

2) Save $30.00 and Let a Local Jackson Hewitt Tax Pro Finish Your Taxes:

Lafayette Federal members are entitled to Save $30 on their individual income tax preparation at participating Jackson Hewitt Tax Service® locations nationwide. Let us estimate your refund. FREE!* Meet with one of our tax pros today to see what Jackson Hewitt can do for you. No appointment necessary.

• FREE Accuracy Guarantee with paid tax prep**
• FREE 24/7 return status alerts
• FREE electronic filing with paid tax prep
• Safe storage of your tax data from year to year once we prepare your tax return

Click here to get your $30.00 Jackson Hewitt coupon and call 1-800-234-1040 to locate a Jackson Hewitt office near you!

NOTE: Coupon expires April 30‚ 2012

*An actual expected tax refund can only be provided with paid tax preparation. Valid at participating locations only. Most offices are independently owned and operated.

**Terms and conditions apply. Ask tax preparer for details.

1 Maximum Refund Guarantee — or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, Intuit Inc. will refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within sixty (60) days of your TurboTax filing date and no later than 6/17/12. E-file, Audit Defense, Professional Review, Live Tax Advice, Refund Transfer and technical support fees are excluded. This guarantee cannot be combined with the TurboTax Satisfaction (Easy) Guarantee.

2 Refund fast in as few as 7 days: Subject to IRS e-file availability. IRS typically estimates 7-15 days for e-file with direct deposit. State refund delivery times vary by state.

3 Guaranteed Accurate Calculations: If you pay an IRS or state penalty or interest because of a TurboTax Calculation error, Intuit Inc. will pay you the penalty and interest.

State filing charges apply. Limited time offer for TurboTax 2011. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.

Get a Shovelful of Savings: Two Loans for the Price of One

Get a regularly priced vehicle loan before March 1 and we’ll give you a no-interest Holiday Loan for up to $3‚500.

Need a Vehicle Loan? Let Us Throw In a No-Interest Holiday Loan
With rates as low as 2.50% APR‚* our vehicle loans are already a good deal‚ but if your needs go beyond a new car‚ we have an extraordinary deal for you: a two-for-one loan offer. Get your vehicle loan from us and we’ll make you another loan — a no-interest Holiday Loan. Holiday Loans are available in amounts up to $3‚500. The repayment terms are 36 months.

Don’t need a new vehicle but do need a loan?
A Holiday Loan may still be an option. Any qualified borrower not getting a vehicle loan can get a Holiday Loan that’s almost interest-free — one with an annual percentage rate as low as 1.99% APR*. Apply online here or stop by and apply in person.

*APR = annual percentage rate. Loan to Value (LTV) may exceed 100% of the purchase price to include taxes‚ tags and associated fees. Subject to credit union approval. Additional discounts available for SmartWay and SmartWay Elite vehicles. Must be a member of Lafayette Federal to qualify for promotion. Cannot refinance existing LFCU debt. Loan repayment must be set up on automatic transfer. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs‚ rates‚ terms and conditions are subject to change at any time without notice. Offer expires March 1. If Holiday Loan payment is more than 30 days past due‚ interest may be converted to 13.99% APR.

Fees or No Fees? $#%&'n mad? You Should be!

There’s no reason to pay your bank for a checking account when we’re here to pay you, with:

• No-Fee Checking and Debit Card
• No Minimum Balance Requirements
• 78,000 Surcharge-Free, Nationwide ATMs
• Dividends Paid Quarterly

Take Another Look at Lafayette’s Equity Builder Mortgage Loan

Spread the Credit Union Love to your Family & Friends! There’s never been a better time to join Lafayette Federal!

Remember‚ there are a variety of ways that you can be eligible to join‚ including if you:

1. Are employed by an agency or company within LFCU’s approved field of membership
2. Live or work in the Potomac‚ MD area
3. Live‚ work‚ or worship in Washington‚ D.C.
4. Are an immediate family member of a current LFCU member

Take Another Look at Lafayette’s Equity Builder Mortgage Loan

These days, when you’re talking about first trust mortgage loans, the term “ARM Loan” is nearly considered a dirty word — and in many instances that’s understandable. However, LFCU’s Equity Builder ARM has always been and remains a terrific value for our membership. The difference really is in the details…see for yourself:

• Every Equity Builder mortgage loan rate uses LFCU’s internal cost of funds as its index (rather than LIBOR or U. S.Treasury rates as an index).This means that, historically, our cost of funds index has been at a lower rate and more stable than traditional ARM loan indexes.
• LFCU customizes each member’s rate to their personal financial situation to give the member greater flexibility in determining their rate — and to ensure that we can give each member a low, fair rate.
• Our Equity Builder loan offers bi-weekly payments, which helps members build equity faster and reduce the interest paid over the life of the loan.
• Financing up to $2 million is available.
• There are no origination fees.
• Full-term interest-only options are available.
• No closing cost options are available.
• Modifications are available.
• 1-, 3- and 5-year adjustment periods are available.
• Interest rate adjustments are capped at each adjustment period.