Holiday ClosingsAll U$X Federal Credit Union Offices will be closed on the following dates in observance of the related holiday:

Please contact your local branch office for other changes to normal operating hours.

Conveniently Located To Serve You Better

1-888-219-3159www.usxfcu.org

Audio Response 1-800-590-0207

Winter 2016 Volume 26 Issue 4

U$X Federal Credit Union®President's Message

Cranberry MainAdministration and Legal Correspondence

1293 Freedom Rd PO Box 1728 Cranberry Twp PA 16066-0728

Fax: (724) 779-4656

Cranberry East1694 Route 228 Ste 106Cranberry Twp PA 16066

Findlay1038 Interstate CtFindlay OH 45840

Greensburg

55 S Washington Ave Greensburg PA 15601

JeffersonMOB Ste 109B 575 Coal Valley Rd

Jefferson Hills PA 15025

Marathon539 S Main StRM D-01-024

Findlay OH 45840

Monaca400 Frankfort Rd

PO Box 222Monaca PA 15061

New Stanton100 Bair BlvdPO Box 657

New Stanton PA 15672

Petrolia206 Main Hill Rd

Petrolia PA 16050

PittsburghConcourse Level

600 Grant StPittsburgh PA 15219

Sarver479 N Pike Rd

Sarver PA 16055

Birthday of Martin Luther King, Jr.Monday, January 16, 2017

Washington’s BirthdayMonday, February 20, 2017

KAIROS is a Greek word meaning at the perfect moment or perfect time. It has been used for different concepts such as the perfect storm, a crucial moment in history, or a moment characterized by perfect timing. As you are reading this letter, we may well be in such a moment. Changes in the economy, changes in the administration, and changes around the world are combining together to make this a moment in time with incredible opportunity for those who are prepared.

U$X Federal Credit Union (U$X FCU) has been preparing for a transition toward our next stage of development for many years. Our preparations have covered a broad range of business components, including recruiting and training employees, technology enhancements, compliance refinements, security augmentation, product development, member networking, and financial stability. The outcome of these efforts is that your credit union is prepared to serve you and give you financial knowledge and tools which you can use to seize the day and successfully move forward. On top of that, your U$X FCU Board of Directors has declared a Member Loyalty Reward for the 15th year in a row, paying out approximately 50% of net income in each of those years.

As a U$X FCU member it may be time to evaluate where you are, determine where you want to be and chart a course that will take your current situation to your desired outcome. U$X FCU is prepared and delighted to help you develop and implement your plan.

These are a few potential items you may wish to consider as you perform your self-evaluation.What does my budget look like? Do I have more month than money?What does my credit score look like? What would it take to improve it?What does my car look like? Would it be beneficial to upgrade my vehicle?Do I want to be a home owner? What steps will it take to get a mortgage?Have I taken care of my family and my future? Do I have enough insurance?Have I planned for retirement? Have I planned my estate?

All of these bullet points are fairly simple, but none of them are particularly easy. The required perspective to achieve success is to build a plan and be intentional in your efforts to reach your goals. To succeed means that each decision you make on a day to day basis should be evaluated based on whether your decision moves us closer to the goal or moves us farther away from your goals.

• Ready to lower your monthly payments? We want to help• Ready to improve your credit? We can show you how.• Ready to save some money? We have the tools to help you.

Make an appointment and start the conversation with us. We are delighted to support you in your efforts to achieve your financial goals.Let’s make 2017 a great year!

Best regards,

Dave Ackerman, President/CEO

B Planz Insurance Agencies, LLC Baker Installations

Blumling and Gusky Attorneys at LawChelsea Building ProductsCollins Insurance GroupGlenshaw Auto ServiceIdeal Integrations, Inc.

J.P. ConcretePrecision Copy Products, Inc.

Tri State Paralegal Service

The Board of Directors and Staff would like to welcome the following new companies, associations and their employees or members to U$X FCU:

Remember if your co-workers are not yet members of U$X FCU, you can get paid for introducing them to the credit union. Ask our staff how.

U$X FCU "Where Membership is a Rewarding Experience"

You're Invited!2017 will mark the 79th year that U$X FCU has provided members with advantages in every aspect of their financial life and the confidence of financial security.

The U$X FCU meeting will be held at 6:30 PM, Wednesday, April 19, 2017, at the Double Tree Cranberry Pittsburgh, 910 Sheraton Drive Mars, PA 16046.

This yearly event is your chance to hear about the credit union’s successes in the past year and the challenges facing it in the future. And you can have a say in those decisions by attending and voicing your opinion…don’t miss out on it!

Notice Of ElectionNotice is hereby given that two Directors will be elected to the U$X Federal Credit Union Board of Directors at the 2017 Annual Meeting.

The following two people have been nominated for election by the Nominating Committee:

Albert J. Flynn, Jr. – Mr. Flynn has been a credit union volunteer since 1974. His involvement began as a member of the Supervisory (Audit) Committee. He was elected to the Board of Directors in 1990. He has served as Vice Chairman of the Board of Directors for the last 10 years. Mr. Flynn retired from the Real Estate / UEC division of U S Steel Corp. in 2006 after 41 years of service.

Richard C. Nichols – Mr. Nichols has been a credit union volunteer since 1992 and a Board of Directors member since 2001. Mr. Nichols retired from Aristech Corporation and its predecessor U.S. Steel Chemicals Corporation where he worked in various capacities within the Accounting Department for 36 years.

Additional nominations for election to the Board were solicited from the membership in the Fall 2016 issue of the newsletter U$Xtra. No additional nominations have been received. Accordingly, election of the nominees will be affirmed at the meeting.

No nominations will be accepted from the floor during the Annual Meeting.

Mashawn A. Lorenz, SecretaryDecember 20, 2016

®

1293 Freedom Rd. Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate, with custom terms, allowing you to afford those larger expenses. Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1, 2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance with loan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimum Real estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines. this is a limited time offer. Programs, rates and conditions are subject to change at any time. See credit union for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home Equity Loan or a Home Equity Line of Credit, you’ll have the funds you need at a payment that makes sense.

Apply Today!To apply, simply print your application from our website at www.usxfcu.org, visit one of our convenient local offices and pick up an application or call 888-219-3159 and one of our experienced representatives will be waiting to help you.

FIRST CLASS MAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

*Restrictions may apply. Limited time offer cannot be combined with any other offer and subject to change at any time. Limit 1 per new checking account opened after 2/1/2014. This offer is only valid when you open a new U$X FCU checking account with net check direct deposit or other payroll or recurring deposit. A bonus of $25.00 will be paid upon account opening and deposited into a free savings account. For the remaining $75.00 bonus to be paid, the direct deposit and recurring deposit history must be established within 60 days of the new account being opened. Cash bonus will be reported to the IRS as interest income, as required by IRS.

®

1293 Freedom Rd. Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate, with custom terms, allowing you to afford those larger expenses. Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only for the first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and are indexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1, 2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance with loan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimum Real estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines. this is a limited time offer. Programs, rates and conditions are subject to change at any time. See credit union for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home Equity Loan or a Home Equity Line of Credit, you’ll have the funds you need at a payment that makes sense.

Apply Today!To apply, simply print your application from our website at www.usxfcu.org, visit one of our convenient local offices and pick up an application or call 888-219-3159 and one of our experienced representatives will be waiting to help you.

FIRST CLASS MAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

Say goodbye to waiting forever to earn enough points to redeem. Say farewell to mediocre redemption options.  Say hello to UChoose Rewards®. Use your U$X Federal

Credit Union VISA® credit card every time you shop, pay bills, fill your gas tank or for any qualified* purchase you make – no matter how big or small – you’ll earn a full 1% reward. A rewards program that’s based on giving you a choice on where to shop and what to get for all the points you earn.  Getting exactly what you want from your rewards program is now a reality.  You now have the choice of how you redeem the points you’ve earned…Choose from cash back, products, travel experiences, activities, event tickets, gift cards and more!

* Earn 1 point for each $1.00 of qualified purchases charged to your U$X FCU VISA credit card. Qualified purchases do not include cash advances, convenience checks or returns.

Start Saving Early and Often!U$X FCU wants parents and kids to know that it’s never too early to begin saving and to learn financial responsibility. Our youth savings accounts are a great way for parents to give their children the opportunity to save and to manage their own accounts.We give kids and teens their own special rate of 1.00% APY* on the first $500 deposited to kickstart their savings. Funds in excess of $500.00 will earn the regular share rate. We offer three Youth Accounts, depending on your child’s age:Dollar Dog – ages 5-12cha-ching – teens 13-17the edge – ages 18-22Please stop by one of our branches to open a Youth Savings Account. Or, if you currently have a Share Savings and would like to convert it to a Youth Savings Account, call (888) 219-3159.*APY = Annual Percentage Yield rates subject to change without notice. 1.00% APY applies to balances up to $500.00 only and balances over $500 will earn the Regular Share Savings rate. The Credit Union Board of Directors will review and adjust the Dividend rate monthly. For current Interest Rate please refer to the published Dividend rates. Membership eligibility and $25 minimum balance required to maintain a Regular Share savings account. Rate applies only to Dollar Dog, Cha-Ching, and the edge youth savings accounts.

Open a Youth Account for your child or grandchildand receive an extra

$10 BONUSdeposit into the child’s account!

Cannot be combined with any other offer. Restrictions may apply. Limited time offer may be discontinued at any time. Contact Credit Union for full details.

*Restrictions may apply. Limited time offer cannot be combined with any other offer and subject to change at any time. Limit 1 per new checking account opened after 2/1/2014. This offer is only valid when you open a new U$X FCU checking account with net check direct deposit or other payroll or recurring deposit. A bonus of $25.00 will be paid upon account opening and deposited into a free savings account. For the remaining $75.00 bonus to be paid, the direct deposit and recurring deposit history must be established within 60 days of the new account being opened. Cash bonus will be reported to the IRS as interest income, as required by IRS.

U$X FCU"Where Membership is a Rewarding Experience"

U$Xtra! Quiz Answer the following questions regarding U$X FCU® and win $25!

Daytime telephone number ________________________________________________________Name __________________________________________________________________________

Answer all the questions correctly and send your entry to: U$X FCU, U$Xtra Quiz, 1293 Freedom Road, PO Box 1728, Cranberry Twp, PA 16066. All correct U$Xtra quiz entries must be received by January 31, 2017 and will be entered into a random drawing for a chance to win one of (6) six $25 prizes. If your entry is selected, you will be notified and $25 will be deposited into your Share Savings Account. Please do not include any personal banking materials (deposits, IRA withdrawals, loan payment, etc.) with your quiz entry. Employees or Volunteers of U$X FCU are not eligible.

What is the introductory interest rate for a U$X FCU Home Equity Line of Credit? a. 3.0 % APR b. 2.0% APR c. 2.9% APR

The U$X FCU Financial Group can help you with Retirement Planning in the event of job layoff or downsizing? a. True b. False

On what date will the U$X FCU Annual Meeting take place? a. April 19, 2017 b. April 1, 2017 c. April 22, 2017

When you open a new U$X FCU checking account with your net check direct deposit, you’ll receive a bonus of? a. $75.00 b. $50.00 c. $100.00 The MEMBER LOYALTY REWARD received by members for 2016 totaled approximately? a. $211,000 b. $219,000 c. $221,000

TECH NOTES: Should I Report Cybercrime? Cybercrime can be particularly difficult to investigate and prosecute because it often crosses legal jurisdictions and even international boundaries. And, many offenders disband one online criminal operation—only to start up a new activity with a new approach—before an incident even comes to the attention of the authorities.The good news is that federal, state, and local law enforcement authorities are becoming more sophisticated about and devoting more resources to responding to cybercrime. Furthermore, over the past several years, many new anti-cybercrime statutes have been passed empowering federal, state, and local authorities to investigate and prosecute these crimes. But, law enforcement needs your help to stop the nefarious behavior of cyber criminals and bring them to justice.Who to contact:• Local law enforcement. Even if you have been the target of a multijurisdictional cybercrime, your local law enforcement agency (either police department or sheriff ’s office) has an obligation to assist you, take a formal report, and make referrals to other agencies, when appropriate. Report your situation as soon as you find out about it. Some local agencies have detectives or departments that focus specifically on cybercrime.• IC3.  The Internet Crime Complaint Center (IC3) will thoroughly review and evaluate your complaint and refer it to the appropriate federal, state, local, or international law enforcement or regulatory agency that has jurisdiction over the matter. IC3 is a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center (funded, in part, by the Department of Justice’s Bureau of Justice Assistance). Complaints may be filed online at ic3.gov/default.aspx.• Federal Trade Commission (FTC). The FTC does not resolve individual consumer complaints, but does operate the Consumer Sentinel, a secure online database that is used by civil and criminal law enforcement authorities worldwide to detect patterns of wrong-doing, leading to investigations and prosecutions. File your complaint at  ftccomplaintassistant.gov. Victims of identity crime may receive additional help through the FTC hotline at 1-877-IDTHEFT (1-877-438-4388); the FTC website at identitytheft.gov provides resources for victims, businesses and law enforcement.• Your Local Victim Service Provider. Most communities in the United States have victim advocates ready to help following a crime. They can provide information, emotional support and advocacy as needed. Find local victims service providers here: http://ovc.ncjrs.gov/findvictimservices/search.asp

Article courtesy of StaySafeOnline.org

Advisor's Corner with Nathan RodgersAre you changing jobs? Do you have a 401(k) from a former employer? Have you wondered what to do with it?

There are many misconceptions about what must be done with a 401(k) when someone leaves a company. Some people think they have to cash out their 401(k) upon leaving a job. Others think they must “roll it over” into a new 401(k). Still others believe that they must leave the 401(k) where it is. None of these are true, and none are false. These aren’t “musts”, they are options. The big question is: which option is the right option for YOU? If you have enough money in your current 401(k) to meet the minimum requirement, you could leave your money where it is. Should you? Well, it depends. If you feel the plan has good investment choices and the annual fees are reasonable, leaving your money there could be a good option for you. If your new employer offers a 401(k), you could choose to “roll” your money into that plan, but then you will be limited to the new plan’s investment options. So should you? Once again, it depends. You’ll want to look into the structure of the new plan, the fees and the investment options. If managing where your account is held and how it is invested is important to you, moving your money into an IRA rollover account could give you more flexibility. Additionally, you could open a brokerage account or purchase a CD, provided the account is titled as your IRA Rollover Account. The temptation to get a lump sum of money can be too great for some, especially if they have just lost their job or feel that they are in some sort of financial bind. They may choose to cash out their 401(k) upon leaving a job. But what are they giving up? Well, 10% for starters. If they are younger than 59 ½ years old when they cash out their 401(k) they will incur a 10% penalty, unless a special exception applies. But here’s what really hurts: they are giving up part of their retirement fund or (in many cases) starting over from zero. Fighting temptation now may, potentially, lead to big rewards later. For example, let’s say a 35-year-old leaves a job and rolls over $15,000 from a 401(k) into an IRA earning an average of 7% annually, letting the money mature over 30 years. By the time they reach retirement that money could, potentially, have grown to over $100,000 1. If you’re unsure which choice is best for you, or if you’d like to learn more about your options, I would be happy to speak with you. Please call me at:

Nathan Rodgers, Financial Advisor(888) 219-3159, Ext. 4895 - Nathan.Rodgers@cunamutual.com

1. This is a hypothetical example used for illustrative purposes only and is not intended to project the future performance of any particular investment. Investment returns and principal value will fluctuate with market conditions so that, upon redemption, the investment, including the principle value, may be more or less than originally invested. Illustration does not account for any fees, charges or taxes.Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. Prior to requesting a rollover from your employer sponsored retirement account to an Individual Retirement Account (IRA), you should consider whether the rollover is suitable for you. There may be important differences in features, costs, services, withdrawal options and other important aspects between your employers sponsored retirement account and an IRA. FR-1647402.1-1116-1218

®

Homeowners know that equity is a valuable resource that offers affordable lending solutions for big ticket expenses. u X FCu can Customize a Home equity Loan to fit your exact need –

at a low, low rate and flexible terms.

H o m e e q u i t y L e n d i n gB o r r o w

A f f o r d A B l y

Home equity Line of Credit introductory Rate of

2.00%APr*

For 12 months®

1293 Freedom Rd.Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate,with custom terms, allowing you to afford those larger expenses.Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only forthe first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and areindexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1,2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance withloan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimumReal estate secured loan amount $10,000. Property must be owner occupied and primary residencelocated in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines.this is a limited time offer. Programs, rates and conditions are subject to change at any time. See creditunion for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home EquityLoan or a Home Equity Line of Credit, you’llhave the funds you need at a payment thatmakes sense.

Apply Today!To apply, simply print your application fromour website at www.usxfcu.org, visit oneof our convenient local offices and pick upan application or call 888-219-3159 andone of our experienced representatives willbe waiting to help you.

FIRST CLASSMAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

®

1293 Freedom Rd.Cranberry twp., PA 16066

fax: (724) 779-4656

888-219-3159 • www.usxfcu.org

15-00753 2/16 marketing Partners

Use Your Home’s Equity To Your AdvantageThe equity in your home can be used to borrow at a low rate,with custom terms, allowing you to afford those larger expenses.Use the money for whatever you may need.

*APR = Annual Percentage Rate. 2.00% introductory APR offer available for new lines of credit only forthe first twelve (12) months from closing date. Rates thereafter are adjusted on a quarterly basis and areindexed to Prime Rate as published in The Wall Street Journal (WSJ). Adjusted rate effective december 1,2015, based on the Wall Street Journal Prime Rate (3.25%) as of September 20, 2015, in accordance withloan term. maximum rate adjustment is 2.00% in a calendar year. Rate cannot go below 4.00%. minimumReal estate secured loan amount $10,000. Property must be owner occupied and primary residencelocated in Pennsylvania or ohio. All loan approvals are subject to normal loan underwriting guidelines.this is a limited time offer. Programs, rates and conditions are subject to change at any time. See creditunion for all details.

• Home improvements and upgrades

• Vacations

• Education expenses

• Debt consolidation

Borrow To Fit Your NeedsWhether you get a Fixed Home EquityLoan or a Home Equity Line of Credit, you’llhave the funds you need at a payment thatmakes sense.

Apply Today!To apply, simply print your application fromour website at www.usxfcu.org, visit oneof our convenient local offices and pick upan application or call 888-219-3159 andone of our experienced representatives willbe waiting to help you.

FIRST CLASSMAIL

U.S. PoSTAgePAID

LehIgh VALLey, PAPermit #550

“Once A Member, Always A Member”

$Over 78 Years of Trust and Dedication to Serving YOU!

U$X FCU 2016 Member Loyalty Reward In December of 2016, each member received a LOYALTY REWARD equal to $0.03 cents on every dollar of dividends earned and/or interest paid during 2016. The MEMBER LOYALTY REWARD for 2016 totaled approximately $219,000.00. The year 2016 was once again a very challenging one in the financial marketplace. However, thanks to our loyal members making the choice to use the credit union for their financial needs, 2016 was a good year for the credit union. All our products and services were priced at market levels. Every member got a fair deal. U$X FCU uses NO loss leaders, NO exorbitant pricing and NO bait-and-switch tactics. Please refer to the notice included with your year-end statement for more details on how the U$X FCU MEMBER LOYALTY REWARDS were calculated. In keeping with our mission to provide members with advantages in every aspect of their financial life and the confidence of financial security, sharing the financial success of YOUR credit union with YOU, our members, is fundamental in the credit union philosophy. To continue our tremendous success, we encourage you to enhance your involvement and use of the products and services offered to you by U$X FCU. The more you use our services for all your financial needs, the better the chances are that U$X FCU will repeat this reward in the future. Also, encourage your family and co-workers to join U$X FCU and use us for all their financial needs as well. Thank you again for your loyalty as a member! Utilizing U$X FCU is a truly rewarding experience.

Sincerely, The Board of Directors

Student Scholarships AvailableThe following credit union chapters will be offering various student member scholarships for 2016.The Beaver Valley Chapter of Credit Unions will be offering three $500, one $1,000 and one $1,500 scholarships.The A-K Valley Chapter of Credit Unions will be offering up to four $500 scholarships. If you are a U$X Federal Credit Union® student member, you may qualify.Scholarship requirements:•Applicant must complete and submit a typed or printed Beaver Valley Chapter or A-K Valley Chapter scholarship application and the requested information on the application. •All Beaver Valley Chapter applications and required information must be sent to the address indicated on the application and postmarked no later than March 1, 2017. •All A-K Valley Chapter applications and required information must be sent to the address indicated on the application and received by February 7, 2017. NOTE: Other requirements for each individual scholarship offer are listed and explained on the respective application.

To receive the application information for the student scholarships please contact

Tim Wojtaszek via email tcwojtaszek@usxfcu.org.

*NO CLOSING COSTS!

*Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. These rates are adjusted on a quarterly basis and are indexed to Prime Rate as published in the WALL STREET JOURNAL (WSJ). Adjusted rate effective October 1, 2016, based on the WALL STREET JOURNAL Prime Rate (3.50%) as of September 20, 2016, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%. Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio. U$X FCU closing costs ranging from $100 to $1,500 (excluding title insurance policy if required). *No Clos-ing Cost offer for a limited time only. Programs, rates and conditions are subject to change at any time. Consult your tax advisor for potential tax saving benefits .Please call your local credit union office for current details.