ATDFCU...
At Your Service For Over 30 Years!
Features
and Specials on the ATDFCU website
It's
Annual Meeting Time!
Join us
on March 12th for Dinner & Elections
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Holiday
Club Sign Ups End February 28th, 2010
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Second
Mortgage Loan Rates!
3.50% APR
variable rate
through
March 31st, 2010
Now up to $200,000!
click
thru for more information
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Special
Rates
On Popular Loans!
ATDFCU has brought back the
24 month Signature Loan,
and reduced rates on vehicle loans!
Visit our Loan Products!
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It's
ATDFCU Annual Meeting & ElectionTime!
Join
us for a buffet dinner and elections on March 12th at the Biltmore
Hotel & Suites. Located
in Santa Clara at 2151 Laurelwood Rd., the meeting will begin
at 5pm, with
dinner to follow at 6pm. And of course, don't forget the doorprizes! RSVPs
are mandatory, and you must be a current ATDFCU member! RSVP
no later than Thursday, March 4th, by calling the Credit Union
office at 408-365-4444 or mail in the RSVP
coupon to
ATDFCU
6830 Via Del Oro
San Jose, CA 95119
 Don't
Forget To Fund Your Holiday Account!!!
Plan
NOW for those property tax bills, insurance, vacation, tuition
- you name it! Whatever your needs, the Holiday Club
Account can help you!
Plan
for your all your future holiday needs for the coming year
by opening a
Holiday Club Account.
Accounts
can be opened from Nov. 17th, 2009 thru Feb. 28th, 2010.
The
APY/APR for the Holiday Club for 2010 is 3.00%. Dividends
are paid at maturity and withdrawals are not allowed without
forfeit of interest. If you close the account before maturity
no dividends will be
paid at all.
Open
a Holiday Club Account today! Call
ATDFCU at 408-365-4444.

Your
credit union is here to serve you!
Saving
Services, including Savings Accounts that pay
quarterly dividends, Share Secured Loans, and Holiday
Club Accounts.
Loans,
including Auto, Truck, RV and Boat loans,
both for new and used; Variable 2nd
Mortgage Loans; Personal
Loans, and more! ATDFCU closed end loans offer lower
interest rates in most instances, with no prepayment penalties.
Pre approved loans allow members to shop as 'cash customers',
giving you extra leverage in closing the deal. Download
a loan application and get started!
Membership to
the ATDFCU is restricted to full or part time employees of
the Northrop - Grumman San Jose / Hellyer operation, full or
part time employees of EDORSS Corp, an employee of the ATD
Federal Credit Union or an immediate or extended family member
of an ATDFCU member.


A
Word From Your Board of Directors
NCUA
Share Insurance Fund Information
In
these uncertain financial times it is important for you, our
members, to understand our share insurance coverage. Just as
the Banking Community has the FDIC, Credit Unions have the
NSIF, NCUA Share Insurance Fund. Insured shares are backed
by the full faith and credit of the United States Government.
NCUA protects the membership against losses should a federal
credit union fail.
ATD Federal Credit Union is a very safe and sound institution. We have
a Bauer Financial Rating (a company used to measure the rate risk, safety
and soundness of Financial Institutions) of 5 stars, the highest rating
given for over 20 years. We are very conservative with lending and investing YOUR funds,
because they are also OUR funds.
The NCUA website offers resources to help you understand the Share
Insurance Fund, and is found at http://www.ncua.gov/ShareInsurance/index.htm
There are three main sections to the above website:
Share Insurance Estimator
Enables calculating an estimate of share insurance coverage.
How Your Accounts are Federally Insured
Provides general information regarding share insurance coverage.
Your Insured Funds
Provides detailed explanation of share insurance coverage along with examples
of account coverage.

ATDFCU
Accounts Now Insured to $250,000! - NOW EXTENDED!
The
passage of the Emergency Economic Stabilization Act of
2008 requires the NCUA to immediately
increase share insurance protection to $250,000 on all types
of Federal Credit Union accounts.
Originally set to expire
December 31, 2009, it has been extended to December 31st, 2013.

Now
Available: Direct Deposit!
Direct Deposit your Social Security, Pension or Paycheck Directly
into your ATDFCU Account!
Direct
Deposit ensures that your money is where you want it
to be, when you want it to be.
Use
Direct Deposit to make signature or car loan payments
or contributions to your Holiday Club account effortlessly!
Make
your life simpler today; all it takes is a call to
the Credit Union to get signed up for this great, free
time-saving service!


This
credit union is federally insured by the
National Credit Union Administration
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NOW!
3 new pages
with the information you need!
Your
Online Crisis
Identity
Theft and Fraud - An Update!
Sound
Financial Practices - Credit Cards, Auto Loans,
2nd Mortgages and more!
Online
Security - Identity Theft, and Safe Operating Practices

For Your Safety
When You Borrow
All
eligible loans with the ATDFCU are insured up to $20,000
with Loan Protection
Service from
CUNA Mutual Insurance Society! This is Term insurance
that will pay off your insured loan balance up to $20,000
should you die before age 70.
Best
of all, there are no physical exams to take, or direct
premiums to pay. If
you meet eligibilty
requirements (conditions do apply), you get the
insurance free of charge when you get your loan. It's
provided to
protect the families of credit union borrowers.
It's
another reason to check with your credit union first
when you need
a loan! 
ATDFCU
does not use the Internet to collect any information
about it's members.
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