Important Information Regarding ATM and Visa Debit Cards*

Amherst FCU will be converting our ATM and Visa Debit Card transactions to

Real Time starting April 28, 2010. This means up to date balances around the clock, minimal

delay (if any) on transaction posting, and most of all more convenient for you!

This change will have little effect on our members. You will still be able to use your

cards. However, you should have received a new PIN number in the mail. Upon receiving

this mailer you may keep the new PIN assigned to you or follow the instructions

on the mailer and change the PIN to a number you would prefer.

If you have any questions…do not hesitate to contact the credit union office.

Have You Heard...

The Credit Union is Having a Home Equity Sale

Do You Need Home Improvement Help or Just Looking for A Little Extra Money?

Your Dreams Are Only A Home Equity Away and

Amherst FCU can help you!

Home Equity Loan or Line of Credit

Are you looking to make some home improvements, take a vacation or just have extra money on hand. Why not use the equity you have in your home. We have 2 different types of loans to meet your financial needs.

Home Equity Loan-5.50% terms up to 15 years.

Home Equity Line of Credit-Prime rate* + 1.5% terms up to 15 years.

NO Closing Costs with every Home Equity.

Visa Gift Card with $10,000 (min) Home Equity.

Call Ginny or Ruth for more details 634-3881

*Currently Prime is 3.25% as of Jan.1, 2010

BILL PAY

A SAFE AND EASY WAY TO PAY YOUR BILLS ON-LINE

Check out our Bill Payment Demo

Thank you for visiting our website. This is our Homepage. We also call it our business site. Here you can:

Like all Credit Unions, Amherst FCU is wholly owned by its members. As owners, these shareholders (members) receive earnings as higher dividends on savings, lower interest rates on loans, fewer and lower fees and full commitment from management and staff to confidential personalized services. Other earnings are set aside as reserves.

Use our website to check on our hours of operation, apply for membership, inquire about our services, apply for a loan and send us feedback about our operations.

Click any button or phrase in the left column to go immediately to any topic of interest.

If you have any questions or concerns regarding your account or Amherst Federal Credit Union in general, please do not hesitate to contact the credit union office. If you would like to speak to the chairperson of our Supervisory Committee, you may contact: Lisa Pupo 716-695-9130, lpupo@amherst.k12.ny.us.

It is the mission of Amherst FCU to provide its member owners with personal service, consumer education, and competitive financial rates while remaining fiscally sound and secure.

Information contained in the Amherst FCU website is intended to summarize our products and services. It is not a complete disclosure of all terms and conditions. For complete information and disclosure please contact the Amherst FCU directly. .

******************Important Information Regarding ATM and Visa Debit Cards*******************

Important Information Regarding ATM and Visa Debit Cards*