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MISCELLANEOUS SERVICES
American
Express Gift Checks
American Express® Gift Cheques
are the better gift because they:
- Are refundable to either the purchaser
or the recipient if they’re lost or stolen, even if
lost in blank.
- Are special – cash is ordinary
and impersonal and it's often spent on everyday items. Personal
checks need to be deposited before spending. Gift Cheques
have a “keepsake” value.
- Can be used to buy practically anything.
Avoid the problems of guessing style, color, and size. The
people you love can buy the things they love.
- Are better than a store gift certificate
because they aren’t limited to certain stores and
they're great if you're unsure if a certain store is located
near the recipient’s home. Gift Cheques can be used
practically anywhere.
American Express Gift Cheques are available
in denominations of $25, $50, or $100. Gift Cheques come gift
wrapped in their own gold-foiled envelope with an elegant
card that purchasers can personalize. The fee is $2 per cheque.
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American
Express Travelers Cheques
Every ten minutes, someone traveling
in America loses their cash. Don’t let lost cash turn
into a lost trip. It can happen to you. That vacation you
carefully planned and anxiously awaited could be ruined by
a pickpocket. Or a lost wallet. It’s that simple. And
that sudden. So whether you’re taking a quick weekend
getaway or a cross-country journey, don’t take chances.
Take American Express® Travelers Cheques; they’re
safer than cash. American Express Travelers Cheques mean peace
of mind. If they’re lost or stolen they can be replaced,
usually within 24 hours. Cash can’t. American Express
Travelers Cheques are accepted practically everywhere, including
hotels, shops and restaurants. And for your convenience, they’re
available in denominations of $20, $50 and $100. Pick them
up at your Credit Union before your next vacation. And return
with great vacation memories, not regret. We don’t charge
a fee for standard Cheques.
If you’re traveling with a companion, American Express
Cheques for Two are the perfect solution. Two travelers can
use the same Cheques – but only one needs to sign the
Cheques when using them. We charge a fee of only $1 per $100
of Cheques for Two.
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BJ’s
Wholesale Club Membership
Do you belong to BJ’s Wholesale
Club® and is your membership about to expire? Have you
been thinking about joining BJ’s for the first time?
If your answer to either of these questions is “Yes,”
then your Credit Union membership can save you even more.
Through a special arrangement with BJ’s, our members
can join or renew their existing membership at a discount during an annual membership drive in January.
To learn all the details about this membership promotion
call the Credit Union. This
special offer is not available in BJ’s stores, only
by visiting the Credit Union during the one-day promotion in January. If you're unable to visit the Credit Union, ask for an application that can be mailed or faxed to us before the deadline.
Regardless of when your current BJ's membership is due to expire, take advantage of this offer in January and your current expiration date will be extended by the number of months in the offer.
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Blood
Bank of Delmarva
Blood Bank of Delmarva is a non-profit
organization that provides over 100,000 units of blood each
year to hospitals in Delaware and on Maryland’s Eastern
Shore. Members receive coverage in exchange for their support.
If you would expect to use any of the hospitals supplied by
the Blood Bank for emergencies or planned surgery, you should
become a member and support the Blood Bank. Each year in our
area, over 20,000 patients need blood transfusions.
If you or anyone covered by your membership uses blood, at
any hospital that requires blood replacement, the Blood Bank
will replace it or pay the cost of replacing it. While health
insurance plans cover testing and processing fees, the cost
of blood itself is usually not covered. Non-members are billed
for any blood they use or may replace it pint for pint.
Blood Bank membership:
- Covers unlimited blood replacement
at any hospital in Delaware and throughout Maryland’s
Eastern Shore, including Cecil County.
- Is limited to $400 per hospital stay
at any other hospital in the United States.
- Includes the member, spouse and anyone
who can be claimed as a tax dependent.
- Coverage begins 30 days after your
enrollment form is received.
Members agree to take a turn providing
blood about once every 18-24 months. You don’t have
to give blood yourself; you can provide blood by either:
- giving blood yourself or
- having someone else give blood for
you or
- paying $30 (the cost of one pint of
blood).
Members also pay an
annual membership fee of $5 to help support the cost of operating
the Blood Bank, a non-profit organization. (For those age
65 and over, the fee is only $2 after the first year.) Membership
enrollment forms are available in the Credit Union lobby.
For more information, visit www.delmarvablood.org.
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Cashier’s
Checks
We offer cashier’s checks for
members who need a guaranteed method of payment for products
and services. We'll issue one cashier’s check per member
each day free of charge. The fee for additional checks is
$2 each.
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Consumer’s
Reports Magazine Library
If you're planning a major purchase such as a home appliance,
computer, or automobile, Consumer’s Reports® magazine
offers some of the best consumer information available to
ensure you get the best quality product at a reasonable price.
Every month their staff tests dozens of products and gives
you unbiased ratings to help with your purchasing decisions.
We maintain a library of Consumer’s Reports magazines
and Annual Buying Guides dating back four years. Members
may borrow magazines for up to one week free of charge.
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Direct
Deposit
Tired of taking time to deposit your paycheck? Would you like
to have all of your pay available for immediate use on payday?
Now you can get your pay the safe and reliable way, using
Direct Deposit.
With Direct Deposit, your employer sends a credit to the Credit
Union and your funds are deposited into your account automatically
on payday. Most likely, your employer will provide a statement
on payday indicating the amount of money credited to your
account.
Direct Deposit is a safer way of getting
your pay, because your check can’t be lost or stolen.
Wherever you are on payday – traveling on business,
away on vacation or sick at home – your money is deposited
automatically.
Signing up for Direct Deposit is easy and free. Ask your employer
for a Direct Deposit authorization form today, and soon, you’ll
be getting your pay the safe and reliable way.
When completing the Direct Deposit authorization form, you'll
need to include the routing number for Perry Point Federal
Credit Union which is 2550 7774 9. You'll need to indicate
whether you want the money deposited into your savings or
checking account. When listing your account number on the
form, DO NOT include the two-digit suffix (i.e.: 01 for savings
or 02 for checking), as they are not necessary – use
only your four, five, or six-digit member number.
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Enterprise
Used Car Sales
Imagine being able to find the right
used car, with all the right features, and then purchasing
it for just the right price. Now imagine being able to do
all that without the hassle of a search, the pressure of a
salesperson, or the endless haggling over the final price.
Too good to be true? Not at Enterprise Car Sales®. They
make buying an Enterprise vehicle as enjoyable as owning one.
From selecting only their best cars to backing them up with
a generous 12-month/12,000 mile limited warranty, they’re
out to make your used car experience a pleasure that’s
more than you ever imagined.
Enterprise selects the very best cars from their fleet, sets
the prices below those published by NADA or Kelley Blue Book
and posts those prices in plain view. For your assurance and
satisfaction, every Enterprise vehicle has passed a rigorous
109-point certification performed by a certified ASE technician.
To make driving home in an Enterprise vehicle as easy as possible,
they gladly accept your trade-in. After making up your mind,
they give you seven days or 1,000 miles to change it. And
in the unlikely event you do, they’ll gladly repurchase
your vehicle – no questions asked – for the exact
amount you paid minus a small cleaning and documentation fee.
For your continued driving pleasure, every Enterprise-Certified
vehicle is backed with a 12-month/12,000 mile limited powertrain
warranty. Flat tire? Lost key? Out of gas? No problem, because
your purchase includes their one-year Roadside Assistance
Program provided by the American Automobile Association (AAA)
and its affiliate clubs in the United States and Canada.
>>>
BONUS <<< When you finance a used car
purchase from Enterprise Used Car Sales, we'll give you our
current NEW car loan rate. We'll finance up to 100%
of the sale price including sales tax, title and registration
fees, GAP coverage and extended warranty.
Enterprise Car Sales now has three
convenient locations in Maryland and one in Delaware:
- 502 N. Crain Highway, Glen Burnie,
telephone (410) 760-3195
- 10825 Pulaski Highway, White Marsh,
telephone (410) 335-5628
- 609 Baltimore Blvd. (Rt. 140), Westminster,
telephone (410) 848-5807
- 155 E. Cleveland Avenue, Newark, Delaware,
telephone (302) 737-8096
If you don’t live
in Maryland, call 1-800-car sales (1-800-227-7253) to get
connected to the location nearest you. You can also shop at www.enterprise.com/carsales.
Cecil County Members: If you want to see which vehicles are available at the Newark, DE location, enter the zip code of 19711 on the Enterprise website. If you enter a Maryland zip code, the site will only show you vehicles at the Maryland car sale locations.
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Entertainment
Discounts
We offer our members discounts to
the area’s most popular amusements. Savings are available
year-round to the movie theaters, Medieval Times Dinner & Tournament and Caesars Pocono Resorts. Discounts to the theme
parks are available during their regular operating seasons.
A few destinations have some limitations, be sure to ask before
picking up your tickets or discount coupons.
For a current list of discounts on amusements,
click here.
All tickets must be
purchased at the Credit Union. Theme park tickets can be used
any day of the regular operating season. (NOTE: We have some
tickets with even greater discounts on selected days at certain
parks.) Movie tickets can be used anytime, even for new releases.
There are some restrictions with the Medieval Times tickets
and the dinner reservation must be made at the time the ticket
is purchased. Contact our office for all the details and prices.
While we try to maintain a supply of tickets to all these
amusements at all times, an unexpected demand may cause us
to run out for a while. Plan to buy your tickets as far in
advance as possible to ensure we will have what you need when
you need it. We also have free discount coupons for Caesars
Pocono Resorts, Dorney Park and Wildwater Kingdom.
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Fax
Service
Members can use our fax machine to
send or receive documents. The fee is $1 per page being faxed
out. There is no fee for incoming faxes. If you are having
documents faxed in, make sure the sender clearly identifies
you on the cover page, along with a daytime telephone number
where we can reach you. Our fax number is (410) 642-2495.
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Guaranteed
Asset Protection (GAP)
You could lose more than your vehicle
if it is stolen or involved in a major accident. You could
lose your investment. Because most insurance policies only
cover the value of your vehicle – something that rapidly
declines during the first few years of ownership – your
loan balance could be higher than the value of your vehicle.
Now you can protect your vehicle with Guaranteed
Asset Protection (GAP). GAP is a non-insurance product and
is made available via a loan deficiency waiver that covers
the “gap” between the vehicle’s value and
the amount you still owe. Essentially, GAP protects you and
your entire investment from substantial loss.
GAP was designed for all drivers, whether you finance a new
or used vehicle. It covers automobiles, vans, light trucks
(not exceeding a 1 ton load capacity), and motorcycles. GAP
coverage goes into effect when you need it most – when
your vehicle is stolen and isn’t recovered or it is
totaled in an accident and can’t be repaired.
GAP covers the difference between your
primary carrier’s insurance settlement and the amount
of your loan, less any delinquent payments, late charges,
refundable service warranty contracts, and other insurance
related charges. Included in this difference is your insurance
deductible, which is limited to $1,000.
The following is a typical example of how
GAP comes through for you:
| Original purchase
price |
$25,000 |
| Loan balance after one year |
$20,000 |
Vehicle's
current value as
determined by your insurance company |
$16,000 |
|
GAP pays the difference (Including
your deductible, up to $1,000) |
$4,000 |
PLUS, if you finance a replacement
vehicle at our credit union within 90 days of when your vehicle
was determined to be a total loss, you’ll receive an
additional benefit of $1,000 to be used toward the purchase
of the replacement vehicle.
Your cost for this valuable coverage is
only $199. We can include the fee in your loan proceeds if
you don’t want to pay for it out of pocket. Our fee
is hundreds of dollars less than car dealers charge for similar
coverage (and they usually don’t offer the $1,000 replacement
vehicle benefit) so your credit union membership saves you
even more. Our GAP coverage is not available for vehicles
financed elsewhere, only for new and used vehicles financed
with us.
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Kelly Financial Group, LLC
Kelly Financial
Group, LLC, offers comprehensive financial services including
professional money management; retirement planning; estate
conservation planning; comprehensive financial planning;
insurance and long term care needs; tax planning; and college
savings. They offer face-to-face, personal, annual review
meetings right here at your local credit union. They will
help you choose investments that are appropriate for your
risk tolerance and time horizon. Call a Certified Financial
Planner® toll-free today at 1-866-KFG-PLAN (1-866-534-7526)
for a complimentary consultation or visit their website
at www.kellyfinancial.com for more information.
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Money
Orders
We offer money orders for members
who need a guaranteed method of payment for products and services.
The fee is $2 per money order.
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Motor
Vehicle Certification Program
The Motor Vehicle Certification Program
(MVCP) has been linking consumers with dealers since 1984.
MVCP is a FREE complete buying service that helps you with
the purchase of a new or used car. With MVCP, you’ll
get all the facts – manufacturer’s invoice, up-to-date
rebates and incentives, exact dealer profit disclosed, and
estimated trade-in value. Their advisors will direct you to
an MVCP dealer where the price on most vehicles has been pre-negotiated.
After visiting the dealer, your advisor will double-check
your transaction to make sure you get a fair and correct price
based upon MVCP’s strict pricing guidelines. If necessary,
your MVCP advisor will resolve any pricing errors directly
with the participating dealer.
MVCP advisors are available Monday through Friday from 9:00
am to 5:00 pm. Call toll-free (800) 345-0990 or in Baltimore
call (410) 522-5000. You can also visit MVCP at www.mvcp.com.
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N.A.D.A.
Vehicle Pricing Guides
The Credit Union has the following
N.A.D.A. vehicle pricing guides available for your use in
determining the value of a vehicle you may be considering
purchasing. They can also be used to find out the value of
your car if you are planning to sell or trade it in.
- Official Used Car Guide (Eastern Edition)
contains 7 years of loan, trade-in and retail values for
the most common domestic and foreign cars, trucks, vans
and sport utility vehicles.
- Official Older Used Car Guide (National
Edition) contains loan, trade-in and retail values for older
model domestic and foreign cars, trucks, vans and sport
utility vehicles. The guide covers vehicles that are 8 to
19 years old.
- Motorcycle/Snowmobile/ATV/Personal
Watercraft Appraisal Guide (National Edition) contains 24
years of trade-in/wholesale and retail values.
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New
Car Cost Guide
We're pleased to make the New Car
Cost Guide available as a reference tool for our members
who are shopping for a new automobile. The New Car Cost Guide
is a vehicle valuation guide for new cars and light trucks.
The Guide is published in January, March, May, July, September,
October and November. Each issue provides complete coverage
of virtually every model series on the U. S. Market. The
latest, most current version of pricing and equipment information
for each model series is published in each issue. Each listing
includes the actual factory invoice cost to the dealer as
well as the manufacturer’s suggested retail price for
each model and all options available from the manufacturer.
There's no charge to our members to review the New Car Cost
Guide in our office. To ensure the Guide is always available,
we cannot allow members to remove it from our office.
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Night
Deposit
For your convenience, we have a night
deposit drop just past the drive-through window on the back
of our office at Avenue D and Fifth Street, Perry Point.
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Notary
Service
We have several notaries public available
at our office. Notary services are free to Credit Union members.
There is a fee of $2 per document to notarize signatures for
non-members.
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Payroll
Deduction
If you think saving money is too
difficult, we have the solution. Try payroll deduction. Most
people feel they don’t have the money to save. But financial advisors
say the best way to save is to pay yourself first, before
you have a chance to spend the money on something else. When
you sign up with your employer for payroll deduction, a portion
of your paycheck will be automatically sent to the Credit
Union and deposited into any account you desire – regular
savings, special savings, Christmas Club, Individual Retirement
Account, etc.
Consistent, regular savings are the
only kinds that add up. If you can only start with $10 a
paycheck, do that now. When you see how that works, you’ll find
yourself raising the deduction to $25, $50, or more over time.
With payroll deduction, your money starts working –
earning dividends – right away, instead of waiting
until you get around to making a deposit. That saves you
time and, over time, earns you even more money through the
benefit of compounding of dividends. The Credit Union does
not charge any fees to the member or their employer for using
payroll deduction.
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Photocopies
We'll make photocopies for you at
a cost of $.10 per page.
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U.
S. Savings Bond Redemption
Getting what you want out of life
doesn’t have to mean putting your hard-earned money
at risk. U. S. Savings Bonds are a safe, easy way to save
money and a solid addition to your investment portfolio. Over
55 million people are taking advantage of Savings Bonds’
competitive rates. Whether you select Treasury’s new
I Bond or the Series EE Bond, your money is guaranteed to
grow and remain safe into the future.
Here are some great reasons to think about saving money with
U. S. Savings Bonds:
- Competitive – U. S. Savings Bonds
earn competitive rates of return compared to other forms
of saving. Interest on Savings Bonds accrues monthly and
compounds semi-annually.
- Safe – Savings Bonds are backed
by the full faith and credit of the United States. Your
Savings Bonds are registered, so the Treasury can replace
them if they’re lost, mutilated, or stolen.
- Affordable – For as little as
$25, you can start saving money with U. S. Savings Bonds.
From there, you can purchase as much as $15,000 worth of
Series EE Bonds and $30,000 of I Bonds each year.
- Convenient – Buy Savings Bonds
where you work, bank, online, or with the EasySaver Plan.
- Accessible – Savings Bonds are
easily redeemable, so if you need your money unexpectedly,
it’s right there for you. The longer you let your
bonds grow, the more you benefit, yet you can redeem them
any time after six months. (If redeemed before 5 years,
there is a 3-month loss of interest.)
- Tax Benefits – The interest earned
on Savings Bonds is exempt from all state and local income
taxes. Federal income taxes are deferred until the bonds
reach final maturity, or you redeem them, whichever is first.
If you qualify, using Savings Bonds to pay for qualified
higher education expenses may allow you to exclude your
earnings from federal income taxes as well.
Perry Point Federal
Credit Union is an authorized agent for redeeming
U.S. Savings Bonds. We don't charge a fee for this service.
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United
Buying Service
You have the opportunity to experience
personal car buying success with United Buying Service®
(UBS). In 1967 UBS began combining the purchasing power of
employee groups to negotiate below-market prices. Today UBS
is working with the Credit Union to provide a helpful and
hassle-free experience, offering virtually every model car
and truck at the lowest pre-negotiated prices.
Besides offering the UBS Official Price Book, your Credit
Union can help answer questions about current loan rates,
downpayment requirements and repayment options. UBS helps
by introducing you to a select dealership where a courteous
and professional UBS sales team uses the same UBS prices to
guarantee the lowest price on the car you want. With UBS,
you can receive discounted option pricing and extra savings
with rebates and incentives. They'll even audit your purchase
at your request to ensure you obtain the lowest price available.
When you call UBS, a professional, helpful voice will answer
the phone Monday through Friday from 9:00 am to 5:00 pm. Your
advisor will ask you what vehicle you are interested in buying.
Then your advisor will give you your UBS certificate number,
the name of a trained and licensed UBS salesperson, and the
name of the UBS affiliated dealer. You can call UBS at (410)
792-9070 in the Baltimore area or (301) 657-1920 in the Washington
area. You can also visit UBS at www.ubs4cars.com.
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Western
Union Quick CashSM
Now you can get money fast, anywhere
from coast to coast via Western Union’s Quick Cash
service. With our Western Union Quick Cash transfer
service you can receive funds almost anywhere, for any need,
usually within minutes. Here’s how to request and claim
your Western Union Quick Cash transfer:
- Call the Credit Union and give us your
name, wire transfer password or other identifying information,
the amount needed, and the name of the city where you will
be picking up the money. For security reasons, we may require
you to fax a signed request for the transfer to our office.
- Your funds will normally be available
within minutes after we call the transfer into our authorization
center and they file the transfer with Western Union.
- Go to any Western Union office or agency.
Some are open 7 days a week, 24 hours a day.
- Tell the agent you’ve requested
a Western Union Quick Cash transfer and give your
name and the amount. You'll be asked to provide identification,
such as a driver’s license. You may be asked for the
name of the sender, which is our authorization center, Mid-Atlantic
Corporate Federal Credit Union.
- If you have questions or would like
to locate the Western Union agent nearest you, call (800)
325-6000.
We
charge a fee of $20 for each domestic Western Union Quick
Cash transfer. There is a fee of $30 for international Western
Union Quick Cash transfers up to $500. For international transfers
over $500, the fee is $20 plus 2% of the principal amount
of the transfer.
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Wire
Transfers
We offer wire transfer services for
members who need to send money to or from another financial
institution anywhere in the world. To initiate an outgoing
funds transfer, we need the following information:
- Your name, address,
daytime telephone number, account number and amount of money
you want transferred.
- The name, address, account number and
other identifying information (such as social security number,
driver’s license number, etc.) of the recipient/payee
of the funds.
- The name, address, and ABA routing
/ transit number (9-digit number) of the recipient/payee’s
financial institution, including any intermediary institution(s).
This should be specific, including branch information, if
applicable.
- Any special instructions or restrictions
from the sender.
We'll rely on the account numbers and ABA
routing / transit number you provide us, even if they identify
a different party or institution. For this reason, double-check
the numbers you provide us for accuracy. If you don’t
have a pre-arranged wire transfer agreement with us, you'll
be required to sign a Funds / Wire Transfer Request form authorizing
the transaction before the funds will be sent. The service
fee is $30 per outgoing wire transfer.
When sending a wire transfer to us, you'll
need to provide the following information to the sending institution:
Beneficiary institution: Perry Point Federal
Credit Union, Perry Point, MD
Beneficiary institution account number:
25507774910100
Intermediary institution: Mid-Atlantic Corporate
Federal Credit Union,
Middletown, PA
Intermediary institution ABA routing / transit number:
2313 8755 0
We
don't charge a fee for funds wired into our Credit Union from
another institution.
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410-642-6037