Get a Great Holiday Loan for Extra Cash for the Holidays

11/29/2011

Unwrap Fantastic Holiday Deals from HEWFCU:

� A great HOLIDAY LOAN if you need EXTRA CASH FOR THE HOLIDAYS!

� Refinance your vehicles and save!

� Our best member value � transfer balances from other high-interest credit cards and SAVE today!

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.

Holiday Loan, Terms
� 8.25% APR*
� From $100 up to $400 with a 6 month repayment period.
� From $401 up to $1,000 with a 12 month repayment period.

*APR = Annual Percentage Rate. Income verification required. Loan cannot be combined with another HEWFCU loan. Preferred rates apply 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, and other recurring payments). Or (2) a minimum of $2,500 in unencumbered shares in the Credit Union. Certain restrictions may apply. .75% discount applied to the prevailing rate offered for Signature loans.

� Refinance that vehicle loan you have with another financial institution and SAVE monthly on your payments. Rates as low as 2.10% APR**

� Transfer your higher interest credit card balances from other credit cards into an HEWFCU VISA and lower your interest rate and pay less monthly. Rates as low as 7.99% APR***

**APR = Annual Percentage Rate. Standard underwriting guidelines apply. Income verification required. .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. Preferred 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.

***APR = 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.