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What's New
A Message From the CEO
Federal Insurance Coverage is NOW $250,000
CUrrency Newsletters On-Line!
VISA Debit Rewards Now Has payWave!
Our Mortgage Department is Ready for You!
Gift Cards Are Here!
37,000 + No-Surcharge ATM's - Click the Allpoint Logo Below
AlertMe - Affordable ID Theft Protection - Click on the AlertMe Logo
Over 3,600 Shared Branches Available To You Today - Click CU Service Center Logo
62nd Annual Meeting Report
Winter 2008 Winter 2009
Spring 2008 Spring 2009
Summer 2008 Summer 2009
Fall 2008 Fall 2009
You NEW VISA Debit rewards Card will be mailed by the end of April with a new and exciting feature. Now you will be able to Wave your card at participating merchants, gather your purchases and go quickly on your way!
Click here for additional information or call one of our Electronic Service Representatives at 973-947-1000 Option 4.
Our Mortgage Department is Ready for You!
Home buying as well as mortgage refinancing continues to be strong! Many members who thought buying a home was out of their reach have been pleasantly surprised to learn that they could take advantageof today’s low rates and buy now! Many others have enjoyed big monthly savings in the form of lower monthly mortgage payments by refinancing their current mortgages.
If you answer yes to any of the following questions, please call a Novartis Federal Credit Union mortgage representative immediately at 1.877.885.4044 or click here to apply on-line or check our rates.
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Do you want to buy the home of your dreams?
Do you want to consolidate high interest bills?
Do you want to do home improvements?
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Do you want to reduce your monthly housing expense?
Now is the time to let Novartis FCU help you find the home financing that best suits your needs. No hard sell, no "junk" fees, just good advice & great rates from your credit union! Our staff of mortgage representatives is here to help.
VISA Gift Cards Are Now Available
VISA Gift Cards are now available! You can purchase any amount from $25 to $500 for one low fee. No more having to buy more than one card and pay two or more fees to give the perfect gift! We can also make your card for odd dollar amounts to match any gift need - Such as $198 or $113 or any amount you require!
Stop by any branch today and get one or more today! We have several holiday cards to choose from! For a complete disclosure click here.
Is Now Available
Novartis Federal is excited to announce AlertMe, a new credit-monitoring service designed to help members fight identity theft which is a growing problem that affects millions of Americans.
AlertMe gives early warning of activity on your credit report. Since credit report activity can be a sign of possible identity theft, early detection can help you catch problems quickly to minimize losses.
AlertMe monitors your Experian credit file daily. New accounts, credit cards over the credit limit, and address changes are just a few of the items AlertMe monitors. If an activity occurs, AlertMe will send you an email alerting you to the activity. You can log into the AlertMe Web site to read details about the activity and determine if it is suspicious. AlertMe will also send an email to remind you to order your annual free credit reports.
In addition, if you become a victim of ID Theft, AlertMe will cover your documented direct expenses incurred while restoring your credit - Up to $20,000. (Including time off work.)
The AlertMe cost is $4.25 month. Quarterly and annual plans are available at a reduced rate. To enroll or learn more, simply click here.
Novartis FCU Joins – Shared Branch Network
Now You Can Access Your Accounts at over 3,600 Locations Nationwide
Novartis FCU recently became part of a national network of credit unions called “Shared Branching” making available thousands of locations nationwide that you can visit to access your account. This means that if you move, travel, or simply find a more convenient location you can easily do your normal transactions just as if you were in one of our branches! Shared branching locations, called “Service Centers”, can perform nearly all of the same transactions types available at Novartis FCU, including deposits, withdrawals, transfers between accounts, loan payments, check cashing, and much more.
To find a participating location near you visit www.CUServiceCenters.com. This website will provide you with the address, phone number, hours of operation, and directions to a convenient
62nd Annual Meeting ReportThe 62nd Annual Meeting of the membership of Novartis Federal Credit Union was held Wednesday, March 25, 2009 at the Ridgedale Avenue, East Hanover, NJ. If you would like a copy of the annual meeting report, please call Stephen DiGioia at our Ridgedale office 973-947-1000 X123.
2008 Financial Report
ASSETS
Loans $64,149,231
Cash & Investments 29,796,111
Other Assets 5,669,608
Total Assets $99,614,950
LIABILITIES ($100,346)
MEMBERS SHARES 89,837,057
RESERVES 9,878,239
Total Liabilities
& Equity $99,614,950
INCOME $5,419,844
EXPENSES 2,800,523
DIVIDENDS 2,049,621
NET INCOME $569,700
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