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SWAP your vehicle loan or credit card balances & DROP your rate!

10/31/2011

SWAP your current vehicle loan from any other financial institution/dealer for an HEWFCU loan, and we�ll DROP your rate, and YOU�LL SAVE MONEY MONTHLY ON YOUR PAYMENTS. Rates as low as 2.10% APR1 (Inclusive of .75% promotional rate reduction2 and .50% preferred rate reduction3).

SWAP your credit card balances from other credit cards into an HEWFCU VISA and DROP your rate. Rates as low as 7.99% APR4.

It�s easy � JUST ASK US:
202.488.5400 or Toll FREE 800.742.5582
[email protected] or online at www.HEWFCU.com.
Stop into any of our branches.

1APR = Annual Percentage Rate. Standard underwriting guidelines apply. Income verification required. 2.75% discount applied to the prevailing rate offered for installment vehicle loans. All other loan products are excluded from this offer. Discount applies to �new money� loans only. This offer cannot be combined with any other discounts. 3Preferred rate reduction of .5% is applicable to �new money� loans when the borrower agrees to maintain during the term of the loan either: (1) a Share Draft or Share Account funded by direct deposit of net check (pay, Social Security, retirement, other income recurring payments) or (2) a minimum of $2,500 in unencumbered shares in the Credit Union.

4APR = Annual Percentage Rate. Balance Transfer promotional APR valid through March 2012 billing cycle. After March 2012 cycle APR will revert back to the prevailing rate, currently 14.90% for Visa Classic and 11.90% for Visa Gold. HEWFCU Visa cardholders must be in good standing and have sufficient available credit limits. Offer does not apply to HEWFCU Visa Secured.



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