In this issue:

Home Improvement Loan Special
Member Discounts with Invest in America
Spring it On with Enterprise Car Sales
4 Smart Ways to Tame Debt
Help us Raise $100,000 for Children's Hospitals

Home Remedy - Fixed Rates as Low as 5.75%*

Use the equity in your home to help you make improvements or repair it. A Home Equity Loan or Home Equity Line of Credit from Ohio HealthCare Federal Credit Union uses the equity you have built over the years as collateral for a loan. For a limited time, our Home Equity Loans are offering fixed rates as low as 5.75%APR*. Apply today by calling 866-254-4791.

*Annual Percentage Rate. Subject to qualification. Based on 5 year home equity loan. 80% loan to value. Other terms available.

The Savings Keep Growing for OHCFCU Members with Invest in America

Ohio HealthCare Federal Credit Union is proud to be a participant of Invest in America. Invest in America is a membership enhancement program that offers our members discounts on products and services provided by U.S. based companies. This partnership not only gives our members' valuable discounts, but it also increases sales for our participating companies and, on a larger scale, helps stimulate the U.S. economy. Basically, Invest in America is a win-win for everyone.

As a member of OHCFCU , you can receive the following money-saving discounts*:

•  General Motors is making their Supplier Pricing available to members on most new GM vehicles. This discount is on top of other current incentives.
•  Chrysler Group LLC is offering Affiliate Rewards preferred pricing on most new Chrysler, Jeep, Dodge or Ram Truck vehicles, saving you thousands. This discount is on top of other current incentives.
•  Sprint has a 10% discount on personal wireless accounts and 15% off of business accounts. They are also waiving application and upgrade fees and giving other substantial discounts on phones and accessories.
•  Allied is offering member discounts on local moving and storage and a minimum of 60% off of out-of-state moves, plus deals on various other moving extras.
•  FTD is giving members $15 off of flowers and gifts. You can choose from items like roses, Vera Wang exclusive floral designs, spa sets, chocolates, wine baskets and so much more.
•  CU Benefits Express has discounts ranging from 5% to 70% on medical and lifestyle products. Medical services include dental care, vision care, medical supplies, mail order prescriptions and more. Lifestyle services range from discounts on ID theft protection and a financial helpline to legal services and participating fitness centers.
•  CompleteTax , your complete tax solution, is a cost-effective alternative to products like TurboTax. Members get 30% off of the software, which is used by CPAs and tax professionals.
•  Equity LifeStyle Properties brings the best in resort living and vacations to help you get out and live the dream! With more than 300 resort destinations and award winning communities across America , you can now receive exclusive discounts from owning your own American built vacation home to exploring all the beautiful destinations our country offers in your RV.

OHCFCU is here to help our members save with respected U.S. companies at a time when everyone needs it most. To learn more about Invest in America and any of the above discounts, speak to a member representative or visit LoveMyCreditUnion.org.

*Details and restrictions on discounts from the following companies can be found at LoveMyCreditUnion.org : Chrysler Group LLC, General Motors, Sprint, Allied, FTD, CU Benefits Express, ELS Properties and CompleteTax. Offers valid as of 1/1/10.

Spring It On! Used Auto Sales Event

Ohio HealthCare Federal Credit Union has teamed up with Enterprise Car Sales with an exciting offer available to members for a limited time. Any member who purchases a vehicle from Enterprise Car Sales will be eligible to receive Kelley Blue Book Trade-In Value plus an additional $500* on their trade-in. Plus, get a low rate auto loan from OHCFCU to sweeten the deal!

Choose from more than 120 makes and models. All vehicles are certified with a thorough 109-point certification, and a free Carfax is available on every vehicle. 

With Enterprise 's no-haggle pricing, the price you see on the vehicle is the price you pay, and all vehicles are offered at unbelievably low prices.  If you buy a car from Enterprise and change your mind, you have seven days (or 1,000 miles, whichever comes first) to return your vehicle - no questions asked.  You can preview the Enterprise Car Sales inventory at www.cuautodeals.com .  Contact OHCFCU's loan department to get pre-approved at 866-254-4791 and start shopping!

(*After appraising your vehicle's condition and verifying its mileage, Enterprise will determine the Blue Book Trade-in Value.  Accurately appraising the condition of the vehicle is an important aspect of determining the Blue Book Trade-in Value.  If a Blue Book Trade-In Value is not available, Enterprise will determine a fair and competitive trade-in value for customer's vehicle.  Additional $500 is not available on a vehicle if a Blue Book Trade-in Value is not available.  Customer is responsible to any extent vehicle loan payoff exceeds Enterprise offer.  Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title.  Offer valid only when Enterprise Car Sales vehicle is purchased.  Restrictions apply.  Not to be combined with any other offer.  Offer valid from 3/1/10 - 4/30/10.)

4 Smart Ways to Tame Debt

Even if you have a good credit record, this four-letter word will drag down your credit score, driving up your rates and costing you both money and opportunity. The diminutive word "debt" strikes big fear into the hearts of an increasing number of Americans, but facing debt doesn't have to be so scary.

Here are four ways to defang debt problems:

1. Get debt at the lowest rates. Do your research and find the lowest rate card. Transfer balances if necessary and seek out cards that offer no balance transfer fees.

2. Plug the leak. If you're in debt, you've got to stop digging in order to get out. Stop charging, live within your means and change destructive behavioral patterns.

3. Ignore minimum payments. Don't use the minimum payment as a guideline for what to pay your creditors each month. Those are set up to string out payments (and interest charges) for as long as possible. Pay any amount over your minimum payment and you could save thousands on interest over the course of time.

4. Have a budget. Create a budget; include your financial goals, their time frames (short, medium, long), and a step-by-step plan to achieve those goals -- your payment schedule will help get you there.

Read the full article at www.bankrate.com.

Help Us Raise $100,000 for Ohio's Children's Hospitals!

Join our credit union as we support the 4th annual Marching Miles for Miracle Kids March-a-thon from Columbus to Cincinnati, March 28 - April 15, 2010.

The event consists of a relay-style march across a portion of the state of Ohio. Marchers raise donations for the event. Donations go to Ohio local Children's Hospitals.

Our goal in 2010 is to raise $100,000.

• In 2007, Ohio's Credit Unions raised $81,000!
• In 2008, Ohio's Credit Unions raised $107,000!
• In 2009, Ohio's Credit Unions raised $80,000!

Make a donation online at www.ohcfcu.com. Click on the Marching Miles logo.