Navy Federal Credit Union 2006 Annual Report Download - page 13

Navy Federal Annual Report 2006 21
• Settlement services
• Preapproved loans
• Lifetime servicing
• Terms from 15 to 40 years
• Rate lock-in options
• No “junk” fees
• Real estate assistance
• Free counseling
• Homeowners insurance
• Calculators
• Apply online or call
1-888-842-NFCU (6328)
EQUITY LOANS
• Fixed loans
• Variable rate lines of credit, interest-only
lines of credit
• Calculators
• Apply online or call
1-888-842-NFCU (6328)
CONSUMER LOANS
• Home improvement
• Consolidation
• Auto repair
• Computer equipment or appliances
• Vacation
• Payment protection plans
• Apply online or call
1-888-842-NFCU (6328)
EDUCATION LOANS
• Federal Education Loans
• Tuition Options Program
PERSONAL FINANCIAL COUNSELING
• Spending plans
• Debt management
CREDIT CARDS
• Three rewards cards to choose from:
nRewardsSM,goRewardsSM, Flagship RewardsSM
• Low annual percentage rate
• CardGuard®Program for account security
• Payment Protection Plans
• Apply online or call
1-888-842-NFCU (6328)
INSURANCE
• GEICO auto insurance
• Homeowners insurance
• Term and whole life insurance
• Long Term Care insurance
• Dental, prescription and vision plans
• Educational seminars
• Basic money management tools—checking,
savings, loans, credit cards
• Online Account Access
• Investment property mortgages
• Merchant card processing
• Business insurance
• Employee retirement and insurance services
Representatives are registered through, securities are sold through and
Investment Advisory Services offered through, Navy Federal Brokerage
Services, LLC (NFBS), member NASD/SIPC, a Registered Investment
Advisor. NFBS operates under the marketing name of Navy Federal
Investments & Insurance. Insurance sold through licensed insurance
representatives of various insurance companies. Office of Supervisory
Jurisdiction, 1007 Electric Ave., Vienna, VA 22180; phone [phone]-
8108; fax [phone]. Nondeposit investment products are not
federally insured, are not obligations of the credit union, are not
guaranteed by the credit union or any affiliated entity, involve
investment risks, including the possible loss of principal, and may
be offered by an employee who serves both functions of accepting
members’ deposits and the selling of nondeposit investment
products. Auto insurance sold through Government Employees Insurance
Company (GEICO®) and its affiliates. Whole and Term Life insurance
available for eligible members through Navy Mutual Aid Association.
FOLIOfn: Securities products and services offered through FOLIOfn
Investments, Inc., member NASD/SIPC, an independent broker/dealer.
Unlike FOLIOs, mutual funds are separate securities registered with the
SEC that are separately sold and managed apart from their underlying
securities. Trust Services available through MEMBERS Trust Company,
14025 Riveredge Dr., Suite 280, Tampa, FL 33637. Settlement Services
provided through NFRES, LLC, a Navy Federal Company. Homeowners
insurance products offered through Navy Federal Financial Group, LLC, a
wholly owned subsidiary of Navy Federal Credit Union, are offered through
Newtek Insurance Agency, which is not affiliated with Navy Federal
Financial Group or Navy Federal Credit Union. Not all products or servic-
es are available in all geographic areas of the United States. Coverages may
vary by carrier, and you may not be eligible for all products and services.
20
NAVY FEDERAL ONLINE
www.navyfcu.org
• Auto pricing guide and buying services
• Loan payment and savings calculators
• Home value estimator
• Online applications for loans, services,
new accounts and membership
• Discount TurboTax®OnlineSM
• Discount Equifax credit monitoring services
• Product descriptions, rates and the latest news
• Information centers
• Download publications and videos
Account Access
• 24-hour account access
• Online statements with option to turn
off paper statement
• Free Web Bill Pay with three or
more bill payments a month
• Make transfers and payments
• View paid checks
• View tax information
• Provide certificate maturity instructions
• e-mail Navy Federal
• Member notifications of account status,
statement availability
• Self-select PINs for check cards
CHECKING
• Four accounts to choose from: EveryDay,
e-Checking, Campus Checking, Flagship
• Dividends on all accounts
• ATM fee rebates
• No minimum balance requirement
• Free Visa®Check Card
• Visa Gift Cards
• Reorder checks online
• Worldwide account access through Navy
Federal, PLUS®System and CO-OP Network
ATMs, and at millions of merchants
• NAVchek®Line of Credit provides overdraft
protection and “instant” loans
• Open accounts online or call
1-888-842-NFCU (6328)
SAVINGS & INVESTMENTS
• Money Market Savings Accounts
• Fixed and variable-rate certificates
• Share and IRA certificates
• Traditional, Roth and SEP IRAs
• Education Savings Accounts
• Financial/retirement/estate planning
• Stocks, bonds, mutual funds and annuities
• Trust services
• Custodial Accounts
• Trustee Accounts
• Estate Settlement Accounts
• Kids Club
• Educational seminars
• Open accounts online or call
1-888-842-NFCU (6328)
• Low interest rates, flexible terms
and refinancing
• 100% financing, including taxes, tags
and title
• Preapprovals give you bargaining power
• Auto leasing programs
• Payment protection plans
• GAP (Guaranteed Asset Protection)—
provides debt cancellation when vehicle
declared a total loss
• GEICO®auto insurance at discount rates
• Apply online or call
1-888-842-NFCU (6328)
MORTGAGE LOANS
• Variety of mortgage options available
nationwide: conventional, ARMs,
interest-only, balloons, jumbos,
100% financing (Veterans Choice &
HomeBuyers Choice), second-home,
investment, VA
PRODUCTS AND SERVICES
Navy Federal Online Checking
Savings & Investments
Mortage Loans
New & Used Auto,
Boat & Motorcycle Loans
Equity Loans
Consumer Loans
Education Loans
Personal Financial Counseling
Credit Cards
Insurance
Small Business Services