Promotions

Comedy! Adventure! Romance! (And that’s just our checking.)
	Get 2 FREE Movie Passes and enter to Win fun Movie Prizes Better Than Free Checking Open the FREE checking account that pays you interest and enjoy a blockbuster summer!

Get 2 FREE Movie Passes when you open your account Win a “Movie Night at Home” DVDs, popcorn and movie candies Win the Grand Prize—  a 9” Widescreen Portable DVD Player

Promotion period is July 1 through September 30, 2009. Minimum opening deposit for Better Than Free Checking is $25.00. Interest rate and Annual Percentage Yield (APY) subject to change without notice. APY effective 7/1/09. .15% APY for balances of $0.00-$499.99. .25% APY for balances of $500.00-$4,999.99. .50% APY for balances of $5,000.00-$19,999.99. .75% APY for balances of $20,000.00 +. Free ‘lifetime’ checks are duplicate “logo” design. Member is responsible for the cost of any check design upgrades.

New Better Than Free Checking Accounts: When you open a brand new Better Than Free Checking account between July 1 and September 30, 2009, you will automatically receive two Kerasotes Showplace Theater tickets and be entered in the drawing for one of three “Movie Night at Home” gift baskets and the Haier 9” Widescreen Portable DVD Player grand prize. Existing checking accounts or transfers to Better Than Free Checking do not qualify. Only two free Kerasotes Showplace Theater tickets and one drawing entry per person and account.

Drawing: Drawing includes three “Movie Night at Home” gift baskets and a Haier 9” Widescreen Portable DVD Player grand prize. No cash equivalency. No purchase necessary.  Value of grand prize is subject to 1099-INT reporting. The odds of winning depend on the number of eligible members who enter the promotion. The winner will be notified by phone or writing on or about October 15, 2009. If you would like to enter but do not wish to open a Better Than Free Checking account, send a 3” x 5” card with your name, address and telephone number to “Better Than Free Checking:  Movie Prizes,” Advance Financial FCU, Attn: Marketing Department, 31 W. Lincoln Highway, Schererville, IN 46375. Only one entry per person. Advance Financial FCU employees, immediate family and anyone living in the same household of such employees are not eligible to participate in the drawing. Winner names will be announced on the Advance Financial FCU website and in the newsletter.

eStatement $5 Starbucks Card Offer*
	Sign up for eStatements and get a $5 Starbucks Card

Advance Financial will be giving away $5 Starbucks Cards to members that sign up for eStatements between now and September 30, 2009. eStatements allow you to safely and securely access you monthly or quarterly statements online.

To sign up, click on the “eStatements” link located under the “eBranch.” Click on “First time to our site?” button and follow the simple step-by-step instructions. Once you have successfully registered, you will receive a $5 Starbucks Card within 7 days. This offer is valid only for new eStatement users and is limited to one per member while supplies last.

What a COOL DEAL!
0% Intro APR VISA* and a FREE Cooler Tote Apply for your VISA credit card in-branch now—it’s fast and easy!

*Upon qualification. Introductory rate is for the first six billing cycles and applies to Purchases and Balance Transfers. After the introductory period, the APR will be variable and Balance Transfers will be subject to the variable APR for purchases. The APRs for Purchases and Cash Advances are based on the WSJ Prime Rate plus a margin. These APRs are calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate.

As of 5/1/09, the WSJ Prime Rate is 3.25%. APRs for purchases and Balance Transfers are competitive, and as of 5/1/09, range from 5.24% to 18.24% for Platinum and Platinum Rewards cards. Variable APR is determined based on a review of the cardholder’s application and credit history. Not everyone will qualify for the lowest rate. Cash Advance APR: 19.99% minimum; 24.99% maximum (currently 19.99%). Delinquency APR: 23.99%.

Minimum Finance Charge: $1.00. Cash Advance Fee: $5.00 or 3.5% of the total dollar amount, whichever is greater. Overlimit Fee: $35. Late Payment Fee: $35. For all transactions made outside the United States or in a foreign currency, a fee of 3% of the U.S. dollar amount of each Foreign Transaction that posts to your account.