PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

A Publication for Members of Northrop Grumman Federal Credit Union

Box Number 47009 Gardena, CA 90247-6809

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing Address:Box Number 47009Gardena, California 90247-6809

Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific

Visit us on the internet at:www.ngfcu.us

CUAdvantage • 877.799.0784

PrObleMs? InquIrIes?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inqui-ries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

NoveMber 2010

Thanksgiving• Thursday and Friday, November 25 and 26, all offices will be

ClOSE D.

• The day after Thanksgiving, Friday, November 26, the Call Center will be AVAI lAB lE from 7 a.m. to 1 p.m. Pacific.

Christmas & New Year• December 23, December 27-30 and January 3, the Call Center will

be AVAI lAB lE from 7 a.m. to 6 p.m. Pacific.

• December 24 and 31, some branches will be OPE N on an abbreviated schedule: Airport Park OPE N 10 a.m. to 2 p.m. Eastern, Antelope Valley and Pacific Pointe OPE N 10 a.m. to 2 p.m. Pacific, Metro OPE N 8 a.m. to 12:30 p.m. Pacific, and lake Charles OPE N December 24 8:30 a.m. to 12:30 p.m. Central. All other branches will be ClOSE D on these days. The Call Center will be AVAI lAB lE 7 a.m. to 2 p.m. Pacific.

• December 27 – December 30, Pacific Pointe, Antelope Valley, lake Charles, Metro and Airport Park will be OPE N.

• December 24 – December 31, Rancho Bernardo, Kearny Mesa, Azusa, ES-1, West Complex and Plant 1 will be ClOSE D.

• December 24 – January 3, Central, WestQuest, Chantilly, Mclean, St. Augustine, Apopka and Rolling Meadows will be ClOSE D.

www.ngfcu.us 1

Why allow your auto loan to speed into a high rate with another financial institution? Come see us first for your next new or used auto loan! Rates like these stop traffic and turn heads.

OR

We also welcome high rate auto loans from other financial institutions. let us take a closer look at your monthly payments and we may be able to help you save.

To review our current rates or apply, visit our website at www.ngfcu.us or contact one of our friendly call center representatives at 800.633.2848.

Put TheBrakes On High rates Drive to Northrop Grumman FCU!

Rates as low as

2.99%APR*

fixed for 60 months

Rates as low as

3.99%APR*

fixed for 72 months

Auto loan rates as low as 2.99% APr FIxed. look inside for details.

Holiday Closings

*Requires an automatic payment transfer from an NGFCU checking or savings account. Members may qualify at a higher interest rate depending on their credit. Payment examples: At 2.99% APR, 60 monthly payments of $17.97 per $1,000 borrowed. At 3.99% APR, 72 monthly payments of $15.65 per $1,000 borrowed.

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto locating Services

m Holiday Club Account m MoneyMaster line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage loan m Membership

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Retiree Dental/Vision Coverage

m College Funding*

* Securities offered through lPl Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through lPl Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

http:Looking for current rates or other Credit

Union information? Visit our website at

www.ngfcu.us. It’s all there!

Important Telephone numbersCredit Union ..................................................310.808.4000

Outside 213 or 310 ...............................800.633.2848

Eastern Region ........................................ 800.634.7075

Call 24 .............................................................310.327.0682

Outside 213 or 310 ................................800.676.3328

Report a lost or stolen:

MasterCard ................................................877.875.8078

VISA ATM/Check Card .........................800.554.8969

Find a:

CO-OP ATM .............................www.co-opnetwork.org

CU Service Center ...............................888.CU.SWIRl

w w w. ng f c u. us

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

Our VISA ATM/Check Card keeps holiday shopping easy!

It’s not too hard to get swept up in the

excitement of the holiday season. But

there’s an easy way you can keep your

spending under control and avoid big bills in

January - use your NGFCU VISA ATM/Check Card.

Our VISA Check Card is accepted wherever you see

the VISA logo, so you can enjoy one-swipe shopping at

all your favorite stores. Your purchase amount is taken

directly from your checking account, so you simply pay as

you go. Plus, this convenient ATM Card gives you access

to Cirrus, Maestro, Star, CO-OP, and Norteller ATMs all

over the country.

Enjoy holiday shopping with no regrets, no monthly bills,

no finance charges and no worries! Simply sign up for

an NGFCU Checking account and your VISA/ATM

Check Card is free of charge. Come by the Credit

Union and we’ll help you get started.

Why now may be the best time to refinance.Our low mortgage rates give NGFCU members the opportunity to save

money on a monthly basis, when you need it the most. By refinancing your

home, you can lock in today’s low interest rates for up to 30 years and

save thousands of dollars over the course of the loan.

Plus, you can qualify for a 0.25% discount for using other NGFCU

products and services!

To refinance your home and take advantage of today’s low interest

rates before they begin to rise, now is the time to take action. Visit

www.ngfcu.us or call a service representative for more information.

*$75,000 minimum. Rates subject to change daily. Not available in GA, lA, TX and Al.

You’re probably all ready familiar with our new NGFCU MasterCard,

but have you heard about our great balance transfer benefits?

Through January 1, 2011 new MasterCard accounts can receive a

balance transfer rate as low as 5.25% APR*.

In addition to our low balance-transfer rate, our NGFCU MasterCard

offers credit lines up to $20,000, online account management, and

you get to choose your rewards program! Choose from:

l Low Rate and save on revolving balances.

l CURewards and earn 1 point for every U.S. dollar spent, and

redeem points for travel or merchandise.

l Cash Rebate and get 1.5% cash rebate on everyday purchases.

For more details about our balance transfer for new MasterCard

accounts or how to apply, contact NGFCU at 800.633.2848 or visit

our website at www.ngfcu.us to apply online.

*Balance transfers from non-NGFCU accounts only. Rate is effective for 30 months as long as the account is current. Interest accrues from the date the balance transfer is posted.

looking for a bright idea?

Historically low mortgage rates are HERE!

www.ngfcu.us2 www.ngfcu.us 3

Master Your dreams with an all-new nGFCu

All of us from Northrop Grumman Federal Credit Union would like to wish you a very safe and happy holiday season, and happy New Year!HA

PPY

HOlI

dAYs

To: Northrop Grumman Federal Credit Union Attn: Call Center

YES, I want to know more about these products/services:

m Share Draft (checking) mTouchtone Phone Acct Mgmt m Home Equity line of Credit

mTerm Savings Account mVISA ATM/Check Card m Auto locating Services

m Holiday Club Account m MoneyMaster line of Credit m Direct Deposit of Social Security

m IRA Accounts m Auto loan Pre-Approval m Direct Deposit of Retirement

mInternet Acct Mgmt m First Mortgage loan m Membership

To: Flight Plan Financial Services, Inc., a wholly-owned subsidiary of Northrop Grumman Federal Credit Union

YES, I am interested in learning more about securing my own financial future. Please send me information on the following: m Retirement Planning* m life Insurance

m 401(k) Plan* m Property/Auto Insurance

m Mutual Funds* m long Term Care Insurance

m IRA Rollovers* m Medicare Supplement

m Reducing Taxes* m Retiree Dental/Vision Coverage

m College Funding*

* Securities offered through lPl Financial member FINRA/SIPC - Stocks, bonds, mutual funds, annuities and other investments available through lPl Financial are not deposits in Northrop Grumman FCU, are not insured by the NCUSIF, nor are they obligations of, or guaranteed by Northrop Grumman FCU. Such investments may fluctuate in value and are subject to investment risks, including loss of some or all of the principal.

Name Account Number

http:Looking for current rates or other Credit

Union information? Visit our website at

www.ngfcu.us. It’s all there!

Important Telephone numbersCredit Union ..................................................310.808.4000

Outside 213 or 310 ...............................800.633.2848

Eastern Region ........................................ 800.634.7075

Call 24 .............................................................310.327.0682

Outside 213 or 310 ................................800.676.3328

Report a lost or stolen:

MasterCard ................................................877.875.8078

VISA ATM/Check Card .........................800.554.8969

Find a:

CO-OP ATM .............................www.co-opnetwork.org

CU Service Center ...............................888.CU.SWIRl

w w w. ng f c u. us

Send this section to:

Northrop Grumman FCU Box Number 47009 Gardena, CA 90247-6809

Our VISA ATM/Check Card keeps holiday shopping easy!

It’s not too hard to get swept up in the

excitement of the holiday season. But

there’s an easy way you can keep your

spending under control and avoid big bills in

January - use your NGFCU VISA ATM/Check Card.

Our VISA Check Card is accepted wherever you see

the VISA logo, so you can enjoy one-swipe shopping at

all your favorite stores. Your purchase amount is taken

directly from your checking account, so you simply pay as

you go. Plus, this convenient ATM Card gives you access

to Cirrus, Maestro, Star, CO-OP, and Norteller ATMs all

over the country.

Enjoy holiday shopping with no regrets, no monthly bills,

no finance charges and no worries! Simply sign up for

an NGFCU Checking account and your VISA/ATM

Check Card is free of charge. Come by the Credit

Union and we’ll help you get started.

Why now may be the best time to refinance.Our low mortgage rates give NGFCU members the opportunity to save

money on a monthly basis, when you need it the most. By refinancing your

home, you can lock in today’s low interest rates for up to 30 years and

save thousands of dollars over the course of the loan.

Plus, you can qualify for a 0.25% discount for using other NGFCU

products and services!

To refinance your home and take advantage of today’s low interest

rates before they begin to rise, now is the time to take action. Visit

www.ngfcu.us or call a service representative for more information.

*$75,000 minimum. Rates subject to change daily. Not available in GA, lA, TX and Al.

You’re probably all ready familiar with our new NGFCU MasterCard,

but have you heard about our great balance transfer benefits?

Through January 1, 2011 new MasterCard accounts can receive a

balance transfer rate as low as 5.25% APR*.

In addition to our low balance-transfer rate, our NGFCU MasterCard

offers credit lines up to $20,000, online account management, and

you get to choose your rewards program! Choose from:

l Low Rate and save on revolving balances.

l CURewards and earn 1 point for every U.S. dollar spent, and

redeem points for travel or merchandise.

l Cash Rebate and get 1.5% cash rebate on everyday purchases.

For more details about our balance transfer for new MasterCard

accounts or how to apply, contact NGFCU at 800.633.2848 or visit

our website at www.ngfcu.us to apply online.

*Balance transfers from non-NGFCU accounts only. Rate is effective for 30 months as long as the account is current. Interest accrues from the date the balance transfer is posted.

looking for a bright idea?

Historically low mortgage rates are HERE!

www.ngfcu.us2 www.ngfcu.us 3

Master Your dreams with an all-new nGFCu

All of us from Northrop Grumman Federal Credit Union would like to wish you a very safe and happy holiday season, and happy New Year!HA

PPY

HOlI

dAYs

PRSRT STD U.S. POSTAGE

PAID CUADVANTAGE

A Publication for Members of Northrop Grumman Federal Credit Union

Box Number 47009 Gardena, CA 90247-6809

Main Office - Pacific Pointe879 West 190th StreetGardena, California 90248

Mailing Address:Box Number 47009Gardena, California 90247-6809

Call Center HoursMonday through Friday5:00 am - 6:00 pm Pacific

Visit us on the internet at:www.ngfcu.us

CUAdvantage • 877.799.0784

PrObleMs? InquIrIes?The Supervisory Committee has the responsibility to continually review the functions of the Credit Union to ensure that it is operating in the best interest of its members. Any questions, suggestions or inqui-ries should be directed to:

Chairman, Supervisory CommitteeNorthrop Grumman Federal Credit UnionBox Number 3382Gardena, CA 90247-7082

NoveMber 2010

Thanksgiving• Thursday and Friday, November 25 and 26, all offices will be

ClOSE D.

• The day after Thanksgiving, Friday, November 26, the Call Center will be AVAI lAB lE from 7 a.m. to 1 p.m. Pacific.

Christmas & New Year• December 23, December 27-30 and January 3, the Call Center will

be AVAI lAB lE from 7 a.m. to 6 p.m. Pacific.

• December 24 and 31, some branches will be OPE N on an abbreviated schedule: Airport Park OPE N 10 a.m. to 2 p.m. Eastern, Antelope Valley and Pacific Pointe OPE N 10 a.m. to 2 p.m. Pacific, Metro OPE N 8 a.m. to 12:30 p.m. Pacific, and lake Charles OPE N December 24 8:30 a.m. to 12:30 p.m. Central. All other branches will be ClOSE D on these days. The Call Center will be AVAI lAB lE 7 a.m. to 2 p.m. Pacific.

• December 27 – December 30, Pacific Pointe, Antelope Valley, lake Charles, Metro and Airport Park will be OPE N.

• December 24 – December 31, Rancho Bernardo, Kearny Mesa, Azusa, ES-1, West Complex and Plant 1 will be ClOSE D.

• December 24 – January 3, Central, WestQuest, Chantilly, Mclean, St. Augustine, Apopka and Rolling Meadows will be ClOSE D.

www.ngfcu.us 1

Why allow your auto loan to speed into a high rate with another financial institution? Come see us first for your next new or used auto loan! Rates like these stop traffic and turn heads.

OR

We also welcome high rate auto loans from other financial institutions. let us take a closer look at your monthly payments and we may be able to help you save.

To review our current rates or apply, visit our website at www.ngfcu.us or contact one of our friendly call center representatives at 800.633.2848.

Put TheBrakes On High rates Drive to Northrop Grumman FCU!

Rates as low as

2.99%APR*

fixed for 60 months

Rates as low as

3.99%APR*

fixed for 72 months

Auto loan rates as low as 2.99% APr FIxed. look inside for details.

Holiday Closings

*Requires an automatic payment transfer from an NGFCU checking or savings account. Members may qualify at a higher interest rate depending on their credit. Payment examples: At 2.99% APR, 60 monthly payments of $17.97 per $1,000 borrowed. At 3.99% APR, 72 monthly payments of $15.65 per $1,000 borrowed.