Fidelity FCU Visa
A Diet for Your Debt

Dieting has always been one of the most popular New Year’s resolutions. Why not add atwist to the old standard this year, and put your debt on a diet?

It’s simple to do when you transfer your balances from high-inter-est credit cards to a low-interest Fidelity Visa® credit card.With lower interest charges, you’ll be able to trim down yourdebt more quickly.

Our Visa Classic credit card
offers a low rate of 12.9% APR*.
Other benefits include:

  • no annual fee
  • no balance transfer fee
  • 25-day grace period• no transaction fee for cash advances**
  • acceptance wherever you see the Visa logo

Also check the great features of our variable-rate Visa Gold credit card.

Begin reducing your debt today. Call the credit union at (770) 451-2794, ext. 10 or 24 for more details, or apply online at www.fidelityfcu.org.

*Annual Percentage Rate.
**Interest will accrue from the date of the advance.


Many people choose to punch in a PIN rather than signing for their transactions at a POSmachine, believing that a PIN is a safer and more convenient choice. Some people believethat if they press “credit” to sign for the transaction, the charge will be posted to their creditcard. While using a PIN is great when you need cash back, it is not the best choice for otherpurchases.

Here are some reasons why you should press“credit” instead of “debit”:

  • Funds still come from your checking account
  • You don’t have to enter your PIN in public
  • Charge back protection for purchases
  • Maximum protection against fraud
  • No transaction fees

Some of the largest merchants now have PIN-steer-ing point-of-sale terminals that automatically ask foryour PIN.But you can still choose the “credit”option. Next time, choose “credit” and use yourPEN instead of your PIN.

In Loving Memory
Jim Collins
Vice President of Lending

June 6, 1943 - November 23, 2006

The credit union would like to extend our sympathy to the Collins family. Jim will be greatly missed by all of us.

 

Fidelity FCU Can
“Move” With You!

Relocating due to employment transfers or retirement? You don’t have to leave the credit union you have trusted to take good care of all your financial needs. With Direct Deposit, NO-FEE Checking, FREE HomeBanking/Bill Pay, On-line Loan Applications, 24 Hour Telephone Teller (CU24), and ATM/Debit cards,we are as convenient as your computer and telephone!

DIVIDENDS

Fourth Quater
Dividends Posted

Paid December 31, 2006

Share Accounts

1.30% a.p.y. *
Club Accounts 1.55% a.p.y.*
Individual Retirement
Accounts		 2.26%
a.p.y.*

Share and IRA dividends are declared quarterly.Contact an employee of Circle 10 Federal Credit Unionat (770) 451-9055 for information on applicable feesand terms.

*annual percentage yield
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