RTN Federal Credit Union

2.99% APR* Credit Card Balance Transfer Offer
January 3, 2012 - February 29, 2012

Now that the holidays are over, it’s time to eliminate all your high-rate credit cards, department store, home improvement center debt -- you name it! -- by taking advantage of the Credit Union’s 2.99% APR credit card balance transfer offer. All non-RTN FCU loans are eligible for this special rate.

Current RTN credit card holders: download your balance transfer form now.

To apply for your RTN VISA credit card (or for a credit line increase if currently a cardholder), you have two options: Apply online and complete the balance transfer form or download the combined credit card application and balance transfer form.

*The annual percentage rate (APR) quoted is accurate as of January 1, 2012, subject to change, and may be withdrawn at any time without notice. This offer is valid for non-RTN FCU debt until February 29, 2012. The 2.99% APR is in effect until April 13, 2013, then converts to the current cash advance APR on any remaining transferred balance. Equal Opportunity Lender.

During the sale dates get Blue Book® Trade-In Value on your vehicle PLUS $500* when you purchase from Enterprise Car Sales. Special bonus offer: Enterprise will make your first payment up to $250** when you finance your vehicle with us. Start shopping by visiting one of the Enterprise Car Sales referral lots located in:

- Woburn, MA, 248 Mishawum Rd., (781) 932-1704
- Manchester, NH, 850 Gold St., (603) 296-0141
- Westwood, MA, 340 Providence Highway, (781) 326-4195

View the Perfect Picks Sale Flyer or shop the Enterprise vehicle inventory online now.

Don't forget to apply for your pre-approved auto loan and get a great low rate today.

*Trade-in values obtained from 2012 Kelley Blue Book Co.’s website kbb.com. Blue Book Trade-In value is based on accurate condition rating, vehicle options, age, and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In Value is not available for your vehicle Enterprise will provide a fair and competitive value for customers’ vehicle. Additional trade-in value of $500 is not available on vehicles other than used passenger vehicles or light duty trucks without a Blue Book Trade-In Value or if an Enterprise car sale vehicle is not purchased. And is only valid for one trade-in per vehicle purchased. Customer is responsible to any extent vehicle pay-off exceeds the Enterprise offer. Customer must provide required proof of ownership/registration and all other paperwork necessary to transfer title. For full details see Enterprise Car Sales Manager. Offer void where prohibited (Alaska, California, Kentucky, Louisiana, So. Carolina, Texas, Virginia and Wisconsin) and not valid on previous purchases. Offer valid from 2/1/2012-2/29/12.
** Vehicle must be financed using standard financing terms through RTN FCU to qualify for payment offer. Enterprise will make the first payment on the payment due date up to $250 on member’s behalf after vehicle is financed. Offer void when 7 day repurchase agreement is activated. Offer valid 2/1/2012 – 2/29/2012. No cash advances. Offer not valid for previous Enterprise purchases. Cannot be combined with any other offer. Offer subject to credit approval.RTN FCU is an equal opportunity lender.

U.S. Savings Bonds Going Paperless in 2012

Paper savings bonds will no longer be sold at financial instuitions after December 31, 2011. Electronic savings bonds can be purchased online through TreasuryDirect (www.treasurydirect.gov). Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. Learn more about purchasing savings bonds by taking the TreasuryDirect guided tour now.

2012 Mass. Credit Union League Financial Literacy College Scholarship Program
For High School Seniors - Deadline: March 9th.

The league will be awarding six (6) $1,500 scholarships through this program. There will be one scholarship awarded per chapter. The top (3) essays from RTN will be submitted to a second round of voting. All applications will be evaluated on essay, grades and extracurricular/community activities.

Eligibility is limited to:

> High school seniors who will be enrolled in an undergraduate college degree program during the 2012-2013 academic year.

> Applicant or parent/guardian must be a member in good standing at RTN

> Each applicant must complete a current league scholarship application form, a type written essay (250 words or less) about a person or event that has been an inspiration to you and how it has affected you and your outlook on life and submit it along with your academic transcript of grades.

Download your application now and be sure to submit it along with the above items postmarked no later than March 9th to:
Attn. Millie Zayas
VP of Business Development
RTN Federal Credit Union
600 Main St.
Waltham, MA 02452

Note: Only one essay per student.

Member Advantage Newsletter Contest
Congratulations to the following winners each of whom won $25 in January!!

(Last names withheld to respect privacy concerns)

1. Steven B. of Salem, MA
2. Steven L. of Framingham, MA
3. Paul R. of Newton, NH
4. David W. of Stoughton, MA

The January 2012 issue of Member Advantage instructed members to find a special phrase and then leave a voicemail message reciting the whole sentence from the newsletter containing this phrase. Four winners were chosen at random from the field of members correctly following these instructions. Watch for more newsletter contests in upcoming issues! Thank you for your continuing interest in Member Advantage where you’ll always find value and a bit of fun too!

RTN: Always a consumer-friendly credit card option
The news has been filled over the past few weeks with changes many credit card issuers have made in order to increase their earnings before the first of many pro-consumer changes become effective. These include sharply increased interest rates, higher late payment penalties, and decreased credit lines, just to name a few. Many articles have recently been written discussing these issues.

Here at RTN Federal Credit Union, none of these types of changes have taken place. As has been the case for 20-plus years, our card programs have always offered excellent value. Our rates are among the lowest you will find (excluding their temporary 'gotcha' rates designed to hook you in) and our VISA Gold and VISA Platinum rewards programs pay full value on every purchase, unlike many cards offered by other issuers.

So if you (or a sister, spouse or significant other) are not receiving the respect you deserve when using your credit card, get more details on our credit card programs and apply for your RTN VISA card online today!

The Board of Directors and management of the Credit Union are pleased to announce that the Credit Union has been recognized by BauerFinancial, Inc., (www.BauerFinancial.com) of Coral Gables, FL, for earning its highest 5-Star Superior rating for financial strength and stability effective June 2011. This represents the 64th consecutive quarter — 16 years — that RTN Federal Credit Union has earned this highest honor, giving it the added distinction of being an “Exceptional Performance Credit Union”.

“It gives me great pleasure to announce that there are still financial institutions, like RTN Federal Credit Union, that continue to build a sense of security in this insecure world,” heralds Karen L. Dorway, president of BauerFinancial. “RTN Federal Credit Union’s members have the privilege of belonging to a well-run, common sense credit union. They can sleep soundly in the knowledge that they belong to one of the strongest credit unions in the country.”

Federal Share Insurance Coverage of $250,000 Now Permanent

How your funds at RTN Federal Credit Union are insured in full

All members of RTN Federal Credit Union members benefit from at least $250,000 per account in National Credit Union Administration (NCUA) insurance coverage on funds on deposit at the Credit Union. This coverage is automatic for all members and is available on each account by ownership type. IRAs are insured separately to another $250,000. Additionally, for a temporary basis until December 31, 2012, all funds on deposit in the Basic Checking, Business Value and Business Premier checking accounts, are insured separately to another $250,000 regardless of ownership type.

Single Accounts (owned by one person)
Joint Accounts (two or more persons)
IRAs and certain other retirement accounts
Trust Accounts

Basic Checking, Business Value and Business Premier Checking Accounts

$250,000 per owner
$250,000 per owner
$250,000 per owner
$250,000 per trustee per beneficiary

Unlimited insurance until December 31, 2012, — separate from insurance coverage above — regardless of ownership structure

The NCUA is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. No one has ever lost a single penny of NCUA-insured funds.

NCUA insurance covers up to legal limits balances in all RTN Federal Credit Union accounts, including the main share, checking, money market, club and savings certificate (“CD”) accounts. Members can obtain additional information on their insured funds by clicking on the NCUA's Share Insurance Tool Kit.

To ensure funds are fully protected, depositors should understand their share insurance coverage limits. The NCUA provides separate insurance coverage for shares held in different ownership categories such as single accounts, joint accounts, Individual Retirement Accounts (IRAs) and trust accounts.

The following is a simplified example of the NCUA coverage:

$250,000	Total for all funds in the Main Share, non-IRA certificates, money market and club accounts owned singly by Charles
$500,000	Total for all funds in certificates owned jointly by Charles and Mary
$250,000	Total of all funds in IRA savings and certificates for Charles
$250,000	Total of all funds in IRA certificates for Mary
$1,000,000	Total of all Totten Trust account funds in certificates with Charles and Mary as trustees with son, Daniel, and daughter, Malikah, as beneficiaries
$612,000	All funds on deposit in Basic Checking account
$2,362,000	Total NCUA insurance coverage

These examples are provided for illustrative purposes only. Please ask to have your account reviewed for a coverage analysis specific to your situation.

The Credit Union also offers members additional protection on amounts above NCUA-insured levels by the Massachusetts Credit Union Share Insurance Corporation (MSIC). Members automatically receive unlimited additional coverage via this private insurer. This means that no matter what the size of your savings, checking, certificate, IRA, and other share accounts are, they are insured in full!

For more information on your RTN Federal Credit Union account, or on your NCUA and MSIC insurance, please speak to any credit union representative or contact Joe Connors, Vice President, Marketing, (1-800-338-0221, ext. 9850) or Tom Weikle, Director of Communication (1-800-338-0221, ext. 9830).

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE
FOR TRANSACTION ACCOUNTS

Effective on June 24, 2011, all funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

For RTN Federal Credit Union members, this temporary change in NCUA share insurance coverage applies to funds in the Basic Checking, Business Value Checking and Business Premier Checking accounts.

Did you know you have access to your RTN account at over 6,500 shared branch locations nationwide?
RTN offers you access to your account via our partnership with CU Service Centers. The CU Service Centers shared branch network allows RTN members to conduct many account transactions with a teller at various credit union locations throughout the U.S. Traveling to Florida, off to an out of state college or relocating? No problem! Remaining an RTN member is easier than ever. Get more details on shared branching or find a CU Service Center shared branch location now.

The following countries require the use of an International Bank Account Number (IBAN) for wire transfers. These countries are:

Andorra	Gibraltar	Netherlands
Austria	Greece	Norway
Belgium	Hungary	Poland
Cyprus	Iceland	Portugal
Czech Republic	Ireland	Slovak Republic
Denmark	Italy	Slovenia
Estonia	Latvia	Spain
Finland	Lithuania	Sweden
France	Luxembourg	Switzerland
Germany	Malta	United Kingdom

If you expect to be wiring funds to any of the countries listed above, please note that a specific IBAN is now required to process the wire order. The IBAN is a combination of country, financial institution and account number information. The number of characters contained in an IBAN will vary by country.

We have been advised that wires without this important number will be returned. Returned wires may be subject to loss of funds due to exchange rate variations and fees charged by the receiving institution.

Please contact your foreign financial institution to be certain of the IBAN number of your (or your beneficiary’s) account there. Because of privacy regulations, RTN will not be able to get an IBAN for you. In this situation we must rely on our members to present complete and accurate IBAN information.

We hope these details prove helpful to any foreign wire transfers you may request from RTN in the future. If you have any questions about these new procedures, we will do our best to assist you.