Try Our New 5-Minute Application!

Maybe you'd like to cool off with a new, energy-efficient air conditioning system. Or, perhaps you're planning a vacation in the mountains or you're a sun-lover and you want a new pool.

Powerco Federal Credit Union makes it easy to finish up all of your projects with our flexible, low-rate Performance Equity Prime Home Equity Loan.

Our home equity line gives you ongoing borrowing power. Powerco offers convenient check access to your home equity loan and, once you're approved, you can take advances on it for 15years. You only pay interest on the outstanding balance.

Home equity loans are available for up to 100% of the equity in your home, even if you have recently purchased or refinanced your home. This includes first-time home buyers. Powerco offers no closing costs, saving you over $1000 on application, appraisal and attorney's fees. And you pay no points or annual fees.

A home equity loan is one of the few itemized deductions allowed on income tax returns. To take advantage of this tax benefit, please see your tax advisor for additional details.

Contact our mortgage department at (404) 506-3750 or 1-800-633-5217 and we'll help you determine which lending solution works best for your financial needs. Your credit union is here to help you save money, educate you about your options and provide the best service possible - that's your membership advantage.

Try Our New 5-Minute Application

New! We now have a shorter home equity loan application available. Apply for your line of credit in a jiffy with our new online application.

*Variable rate is effective 4/1/08 and is subject to change quarterly. The minimum APR that can apply is 5%. Complete disclosures available upon request. A rate of .50% over Prime applies to those loans that are greater than 90% loan to value. Home equity loans available in Georgia and Mississippi only.

Is Someone Twisting Your ARM?

Don't let a volatile market twist your ARM! Raising rates can really hurt your budget.

The solution?

Get a mortgage with muscle and little fee-based fat from your premier credit union. If you purchased a home using an Adjustable Rate Mortgage (ARM) or an Interest-Only ARM, the recent dip in mortgage rates makes this the perfect time to refinance your variable rate mortgage into a low fixed rate mortgage from Powerco Federal Credit Union.

Don't get stuck with higher payments in the future; call a Powerco mortgage professional. We'll work with you to select a more secure fixed-rate alternative for your home loan that will give you peace of mind.

Powerco offers a full range of mortgage programs, including fixed rate 15-year, 20-year, 30-year and Jumbo mortgages. Our Smart Start Mortgage combines the lower payments of an interest only loan with the security of a fixed rate. Ask for details on this innovative loan option to see if it will work for you!

Current home loan rates are just a click or phone call away. Visit the rates page at www.powerco.org for daily rates. You can call your local branch or Polly, The Anytime Phone Teller, at (404) 506-4731 or 1-800-633-5216.

GET YOUR MORTGAGE APPLICATION NOW

Home loans available in Georgia and Mississippi only.

Spring-Summer Powerco Press Available

Don't miss the Spring Summer Powerco Press in your statement.

In this edition
• Sizzlin' Summer Savings with new lower auto loan rates and new extended terms for both new and used vehicle loans.
• Is Someone Twisting Your ARM? Don't let a volatile market twist your ARM. Raising rates can really hurt your budget. Powerco has your solution.
• Invite Your Family. Don't forget members of your family are also eligible to join Powerco Federal Credit Union and they can receive up to $2,000 of free AD&D insurance as part of their membership.
• Let Your Home Pay for Your Summer Projects. Maybe you'd like to cool off with a new, energy-efficient air conditioning system. Maybe you're planning a vacation in the mountains. Or, maybe you're a sun-lover and you want a new pool. Powerco makes it easy to finish up all of your projects with our flexible, low-rate home equity loans. New! Try our new 5-minute application.
• Powerco Finances Summer Adventure. We're your first stop for financing summer adventure - RVs, motorcycles, boats and other adventure craft.
• Free Balance Transfers Available. Summer plans and back-to-school shopping are just around the corner. Keep your budget under control with a low-rate Powerco VISA® Gold Card.
• Bid Bon Voyage to Your Summer Loan Payments. Skip the morning traffic. Skip the cluttered desk. Skip-A-Payment and enjoy your summer vacation!

POWERCO PRESS SPRING-SUMMER 2008

Your membership at Powerco Federal Credit Union affords you many benefits. One of these entitles you to $2,000 of no cost Accidental Death & Dismemberment (AD&D) Insurance. At Powerco, we believe in your financial security. An unexpected death or disabling injury can be an emotional and financial burden on you and your family. Protecting those you love is important, so we've arranged to make available to you an Accidental Death and Dismemberment Insurance Program designed to help protect your family's financial security in the event of a covered accident. All you have to do is sign and return the Activation Form you received by mail. Don't delay.

As a Powerco Federal Credit Union member, age 18 and older, you are eligible for up to $2,000 of Basic Accidental Death & Dismemberment Insurance provided at no cost to you. This coverage is fully paid for by the credit union! This plan offers 24-hour protection against a covered accident anywhere in the world, on or off the job, on business, on vacation, or at home.

We have also made arrangements to make up to $300,000 of additional coverage available to all credit union members, age 18 and above, at affordable group rates. No medical exams are required and coverage is guaranteed as long as premiums are paid. Plus, when you purchase additional coverage, you are automatically eligible to receive special benefits - common carrier insurance, anti-inflation protection, education assistance, hospital income and day care.

Powerco has you covered with $2,000 of no-cost AD&D Insurance!
Activate this new member benefit by mailing in the form.
Additional coverage is available with no health questions or exams.
Questions? Need an enrollment form? Call us at (404) 506-3750 or 1-800-633-5217.

Have You Seen Our New Check Styles?

New Styles.

Enhanced Security.

Discounted Online Ordering.

There's a whole new line of updated check styles now available for your Powerco Federal Credit Union checking account. Witty, whimsical, inspiring, nature, elegant or classic, you'll want to take a look at these updated designs for your next order.

For a limited time, you can save $1 instantly on your check reorder by placing your order online via our online check ordering link.

You can use this link to view all of the new available check styles, experiment with fonts and typestyles and more. Orders placed via the web are processed quicker, meaning you'll get your order faster.

A customer service representative will be happy to let you view our color catalog of check styles during your next visit to any Powerco branch location.

VIEW THE NEW CHECK STYLES NOW!