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What's New
CUrrency Newsletters On-Line! VISA Debit Rewards Now Has payWave!  Help Wanted 32,000 + No-Surcharge ATM's - Click the Allpoint Logo Below AlertMe - Affordable ID Theft Protection - Click on the AlertMe Logo Shared Branch Network Now Available - Click CU Service Center 61st Annual Meeting Report

 CUrrency Newsletters
Winter 2006 Winter 2007 Winter 2008 Spring 2006 Spring 2007 Spring 2008 Summer 2006 Summer 2007 Summer 2008 Fall 2006 Fall 2007
VISA payWave Is Here!
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.
Help Wanted!
Novartis Federal Credit Union will be opening our newest branch in the East Village very soon. This will create several new positions for entry level Member Service Representatives.
Summary of Responsibilities for all open positions: Provides a variety of member service functions including but not limited to: • Teller activities which includes making deposits and withdrawals from member’s accounts • Opens and processes new savings and checking accounts according to Credit Union policies and procedures and in accordance with the U.S. Patriot Act • Provides assistance to members regarding balance inquiries, check orders, change of address forms,and other account related issues • Assists member with loan applications and process loan applications for the loan officers consideration • Maintain and post members electronic transactions • Balances daily work and makes deposit of daily receipts • Assists with posting and maintaining General Ledger and preparing financial reports • Assists with collections ie; skip tracing, late notices, calls to late accounts, etc.
Qualifications: Must have working knowledge of customer service representative skills normally associated with experience in a financial institution, working knowledge of opening new accounts procedures, excellent communication and member service skills, strong mathematical skills, experience in Microsoft Office products, work with numbers accurately, able to operate office equipment and work with computers, cash handling, and other clerical duties as assigned. High school diploma and additional training or experience to perform the above responsibilities.
To express interest in any of our open positions and apply, please fax resume′ and salary requirements to Marianne Lorenzo-Mosca 973-947-0998.
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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 3,300 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.net. This website will provide you with the address, phone number, hours of operation, and directions to a convenient Service Center. When you enter a shared branch, just bring your account number and photo identification-it’s that simple!
61st Annual Meeting Report
The 61st Annual Meeting of the membership of Novartis Federal Credit Union was held Wednesday, April 2, 2008 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.
2007 Financial Report ASSETS Loans $57,962,556 Cash & Investments 28,611,288 Other Assets 4,381,656 Total Assets $90,955,500
LIABILITIES $375,734 MEMBERS SHARES 81,271,227 RESERVES 9,308,539 Total Liabilities & Equity $90,955,500
INCOME $5,570,253 EXPENSES 2,526,305 DIVIDENDS 2,218,216
NET INCOME $825,732
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