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Merry Moola! Introducing the Holiday Savings Club Account! Starting November 2, 2009, you'll be able to open up your Holiday Savings Club Account for your 2010 wish list. By saving a set amount each pay period, you'll be able to afford everything on your wish list without paying any interest! And you'll earn 1%* above our current regular savings rate on the money you save!

To learn more or to open up your Holiday Savings Club account you can log in to Internet Banking and select eShares and open up your account online, visit your local Honda FCU branch or call one of our friendly Member Service Representatives at 1-800-63-Honda (1-800-634-6632)!

*Initial deposit of $5.00 is required to open a Holiday Savings Club Account. Save all year long. Money will be transferred to regular savings account on November 1 of each year the Holiday Savings Club Account is open. Any withdrawal from the Holiday Savings Club account prior to November 1 will result in the balance being transferred to your Regular Savings Account, and a penalty of all dividends paid from November of the previous year will be assessed. If the Holiday Savings Club account is closed or if a withdrawal is made during the month of December, a penalty of dividends paid from November of the same year will be assessed. A dividend rate of 1% above the HFCU regular savings rate and APY is paid on that portion of your average daily balance that is $2,500 or less. The regular savings rate is paid on that portion of your average daily balance that is greater than $2,500.

Gear Up for Winter with a little help from Honda FCU! Cozy up behind the wheel of a new vehicle because for a limited time you can get a rate as low as 4.75% APR* on your next vehicle loan! Whether you need to finance or refinance** a new auto, motorcycle, ATV, boat or RV, Honda FCU’s vehicle loan rates help you gear up for winter!  There’s nothing like a new vehicle to get you warm and toasty!  Check out these great benefits:

• Get a vehicle rate as low as 4.75% APR*
• No processing fee
• No pre-payment penalty
• Convenient automatic payments & payroll deduction options
• Fast and simple application process

Visit us online at www.hondafcu.org and select eLoans within your internet banking to apply online, or call one of our friendly Member Service Representatives at 1-800-634-6632, today!

Hurry, this offer will melt on January 29, 2010!

*4.75% APR is based on new or used auto loans financed for 66 months or less. The rates for auto loans range from 4.75%-15.04%. All new or used auto purchases are based on current loan rates and terms. Minimum auto loan amount is $7,500. For rates on motorcycles, ATVs, PWCs, boats, or RVs, please contact a Member Service Representative at 1-800-63-Honda (1-800-634-6632) or visit us on the web at www.hondafcu.org. All loans are based upon credit qualification. Not all members will be eligible.

** Refinance not available for existing HFCU loans.

The Bump-Up Savings Certificate is back!  Simply deposit a minimum of $1,000 (Regular), $10,000 (Premier) or $100,000 (Executive) for 10 months and earn a 12-month rate!  Talk about fattening your savings in less time!

Here’s how the Honda FCU Bump-Up CD works:

• Receive a Higher Rate in Less Time: A 12-month rate for a 10-month investment
• Have The Chance to Bump-Up your Rate: At the five (5) month mark, if the 12-month certificate rate has increased, the rate paid on your account will automatically increase!  If the rate goes down, you’ll continue to earn at the original rate.
• Get Flexibility With Your Funds: After five (5) months, you will be given a 10-day period to add or withdraw funds without penalty!*

Call 1-800-63-Honda (1-800-634-6632) to open your Bump-Up Share Certificate TODAY!  

* If the balance falls below the required minimums ($1000 for Regular, $10,000 for Premier and $100,000 for Executive), the account must be closed; an early withdrawal penalty may apply.  Offer not good with any other Savings Certificate offer.  Visit www.hondafcu.org or call 1-800-63-Honda (1-800-634-6632) for additional details.

IMAGINE the possibilities with the Honda FCU VISA Credit Card. Imagine the opportunity to increase your VISA credit limit.  With a Honda FCU’s no-fee line increase, the possibilities are endless!  Whether it’s that new computer that you’ve always wanted, season tickets to the big game or a day out with the family, Honda FCU wants to help you make it happen.

Here are just a few of the Honda FCU VISA Credit Card benefits that you can enjoy:

• Low interest rate
• No annual frees or cash advance fee
• Accepted Worldwide (whenever you see the VISA logo)
• Member Advantage Points Program for VISA Gold Card holders

If you don’t already have a VISA Credit Card with Honda FCU or would like to apply for a credit limit increase, simply apply online at www.hondafcu.org or call one of our Member Service Representatives at 1-800-63-Honda (1-800-634-6632).

Hurry, this offer ends November 13, 2009!

Clean Up Your Vehicle Loan with a Honda FCU REFI! For a limited time, we’re offering low vehicle loan rates when you refinance** a new or used auto, motorcycle, ATV, boat or RV loan from another financial institution. Not only will you save money on your loan overall, but you can also reduce your monthly payments when you refinance. That’s more money in your pocket every month!

Get a Shiny New Vehicle Loan Rate when you REFI!**
How’s that for squeaky clean? Not only will you scrub your way to a new, low rate, but you’ll also enjoy these spotless benefits:

• Rates as low as 4.75% APR*
• No processing fee
• No pre-payment penalty
• Convenient automatic payments & payroll deduction options

New and Used Vehicle Loan Rates that Really Clean Up!
And, if you’re in the market for a new or used vehicle, be sure to finance with Honda FCU. We offer competitive rates and flexible financing options designed to suit your unique needs.

Get ready to sparkle with Honda FCU’s REFI! Give us a call at 1.800.63.Honda (1.800.634.6632) or apply online through Internet banking at www.hondafcu.org and select eLoans, and wash away that high-interest vehicle loan rate today!

But hurry, on October 30, 2009, this offer goes down the drain.

* 4.75% APR is based on new or used auto loans financed for 66 months or less. The rates for auto loans range from 4.75%-15.04%. All new or used auto purchases are based on current loan rates and terms. Minimum auto loan amount is $7,500. For rates on motorcycles, ATVs, PWCs, boats, or RVs, please contact a Member Service Representative at 1-800-63-Honda (1-800-634-6632) or visit us on the web at www.hondafcu.org. All loans are based upon credit qualification. Not all members will be eligible.

** Refinance not available for existing HFCU loans.

YOU CHOOSE!
Either way, a Home Equity Loan from Honda FCU is a smart and safe option.  When it comes to home improvements, a child’s education, or paying off credit cards at a very low rate, a loan secured against the equity you’ve built in your home can sometimes be the right choice.  Honda FCU gives you two types of loans to choose from, and the interest on either may be tax-deductible.*

The Equity One FIXED-RATE Loan offers:
If you have a specific expense like an addition to your home or other remodeling project in mind, this is a good option.

• Low Fixed Rate as low as 5.25% APR†
• Up to 100% loan-to-value available
• No closing costs**
• 5, 15, of 20 year terms available
• Flexible Payment Options

Our Equity Reserve Line of Credit offers:
This is a great source of funds to have “just in case” – and remember, you only make payments on the amount of credit line that you use.

• Low Adjustable Rate as low as 5.00% APR††
• Up to 100% loan-to-value available
• No closing costs** or Annual Fees
• Flexible Credit Limits up to $417,000
• Convenience of Equity Reserve VISA® Card access

Call Today for details! 1-800-63-Honda (1-800-634-6632).

Hurry! Offer end September 30, 2009.

* Ask your tax advisor about the limits and conditions associated with tax advantages of these types of loans.

** Closing cost fees deferred with funding of the loan. If the home equity loan or lines are closed within 24 months of initial funding, $300 of closing costs fees must be reimbursed to Honda FCU. Honda FCU is an Equal Housing and Opportunity Lender.

†All loans subject to credit approval. Each of the Equity One Fixed-Rate Loan LTV’s have different rate structures from 5.25% APR -11.625% APR depending upon term, credit history and available home equity. Rates are subject to change. Terms can vary, depending upon the amount borrowed. Minimum loan amount is $5,000. Available for properties located in AL, CA, IN, GA , OH, NC and SC, primary residences only.

NEW Mobile ATM and Branch Locator Service from Honda FCU!
Now from your cell phone, you can locate the nearest surcharge-free ATM and a Shared Branch by visiting us at www.myhondafcu.mobi on your phone anytime of the day, 24/7!

To find a surcharge free ATM:

• Visit www.myhondafcu.mobi
• Click on ATM locations
• Select Search Co-Op and Alliance One ATMs
• Enter a zip code, or address, city or state and hit GO

To find the closest Shared Branch, the member will need to:

• Visit www.myhondafcu.mobi
• Click on Branch Locations
• Scroll to the very bottom of the page and click on Search for Shared Branches
• Enter a zip code, or address, city or state and hit GO

You must have internet service through their mobile phone in order to use this ATM and branch locator service.  Stop paying fees to access your money and look for your nearest surcharge ATM or shared branch, today!

We have the perfect gift!
For the holidays, birthdays, graduations, business gifts, or other gift giving occasions, purchase and give a Visa Gift Card to show your appreciation. Accepted at any location where Visa Debit cards are accepted worldwide, the Honda FCU Visa Gift Card makes a perfect gift. Our unique design makes it special. It illustrates Honda’s innovation and technology. So, visit a branch today to purchase your special gift!

Each card can be loaded with $5.00 to $750.00, and costs $3.95. Use your Honda FCU deposit account or debit/credit card to pay for the purchase. As long as a card is registered, it is replaceable if lost or stolen. Also, once the card is registered, it can be used for phone and internet purchases. To register your card, go to www.hondafcugiftcard.org.

If you have more questions, visit our FAQ sheet here.