Protecting Your Savings If you have any questions as to the safety and soundness of your credit union, please review  the following; Letter from the CEO 5 Star Rating NCUA Share Insurance NCUA IRA Insurance Maximize Your Insurance Protection Never Pay an ATM Surcharge Again! You now have access to over 45,000 surcharge-free ATMs. Find the closest surcharge FREE ATM   Move your AUTO LOANS to the credit union and also get either $200.00 in cash or 10,000 Visa score card points.        more info and apply now    3.75%apr  "Rates now as low as"  Interest Only Home Equity Lines Of Credit CLICK HERE FOR ALL THE DETAILS Apply now ! COLLEGE FINANCIAL PROGRAM let Miami Firefighters FCU help your child achieve academic success with our College Financial Program. For complete list of FREE services offered 2 - DAY CAR SALE For more information and directions   Auto Seekers  Hate the hassle of car buying?  Relax while we do all the work! Mobile Banking & Text Messaging Any Time - Anywhere     FRAUD ALERTS Learn about ID Theft   NEED TO MAKE A DEPOSIT   Business Loans Now Available! GAP & MBI Protect Your Vehicle from Mechanical Breakdowns and Total Loss Investment and Life Insurance products at your fingertips.  MEMBERS Financial Services   Check your VISA here!   Locations  This is a free service to our MFFCU Members Check21 Disclosure Information   Find out the value of your car or new car pricing.       INTEREST-ONLY Home Equity Line of Credit (HELOC) Why Pay Prime When You Can Pay Less? Enjoy lower monthly payments with our below prime interest-only Home Equity Line of Credit (HELOC). An interest-only HELOC from your credit union features: • Rates as low as Prime minus 1.25% APR* • Generous credit line up to $250,000 (up to 95%* of your home’s value) • Interest only for up to 15 years, 15 year Draw / 15 yr. payback • No closing costs** • No annual fee. No per transaction fee. No balance transfer fee. • Convenient access with a Platinum Visa card or by check • Fast approvals with closings in as little as 10 days!  Seize this opportunity! Apply for your interest-only below prime HELOC online at   APPLY NOW * Annual Percentage Rate as printed in the Wall Street Journal. HELOC rates , which are subject to change without notice and LTV may vary with respect to your credit history,. **No closing costs apply to equity lines open for at least 60 months.     FINANCED YOUR CAR ELSEWHERE? Trade in that high interest loan and put the brakes on your payments until JUNE 2008!* If you’re ready for a new set of wheels, you’ve got good timing. Apply for a car loan with us now and forget about the payments until after the holidays!   Enjoy these benefits when financing with your credit union:   • No payments until February 2008* • Rates as low as 3.75% APR** • 100% financing (qualified borrowers) • Convenient repayment with payroll deduction • $20,000 Credit Life Insurance provided free of charge  Get Pre-APPROVED NOW   *Finance charges begin on the date the loan is made and accrue during the payment deferral period. **APR= Annual Percentage Rate. Credit Union loans are granted on the basis of credit worthiness, ability to repay and satisfactory collateral. Consumer loan rates, which are subject to change without notice, may vary with respect to your credit history, the model year of the vehicle and the term of the loan. Offer does not apply to vehicles currently financed with the credit union.         testmb