Enter the "Penny Saved/Penny Earned" Sweepstakes

Participate in our "Penny Saved/Penny Earned" Sweepstakes for a chance to win great prizes and for you, your friends, co-workers and family members to benefit from our money-saving accounts.

When a new or an existing member opens any of our money-saving eligible accounts,† they receive one "Penny Saved/Penny Earned" Sweepstake ballot entry for each account opened.

When you refer a friend, co-worker, or family member to North County Credit Union who is not an existing credit union member, they'll benefit from our low cost, great-rate services. And you'll receive two "Penny Saved/Penny Earned" Sweepstake ballot entries for each money-saving eligible accounts† opened.

The Prizes:

Each calendar month from July through November 2008 that you and your friends receive a "Penny Saved/Penny Earned" ballot, you'll be entered into that month's drawing for a chance to win*:

• One of two $50 Gas Gift Cards
• One of four $25 Grocery Gift Cards

And that's not all! All entries throughout the promotional period (July 1 - November 30, 2008) will also be entered into our Grand Prize Sweepstakes on December 17, 2008 for a chance to win a 42" Digital Flat Screen Television!*

See our "Penny Save/Penny Earned" brochure to learn more.

†"Penny Saved/Penny Earned" Sweepstakes Money-Saving Eligible Accounts:
Direct Deposit Checking
Charter Checking
Online Bill Pay Service
A NCCU Debit Card
Investment or IRA Certificate
Personal or Home Loan
e-statement Service

*Monthly drawings will be held August 1, September 2, October 1, November 3, and December 1, 2008. Grand Prize drawing will be held on December 17, 2008. Must be 18 or older to enter. Need not be present to win. No purchase necessary to enter to win. Odds of winning depend on number of entries received. Sweepstakes is subject to change without notice. Void where prohibited. By entering you agree to the Official "Penny Saved/Penny Earned" Sweepstakes Rules.

This week's money-saving specials

In times like these, a penny saved here and a penny saved there, can make a big difference. And here at your not-for-profit Credit Union, we're making it a priority to help our members every way we can. Be sure to check back frequently to take advantage of our money-saving specials.

Open a Checking Account With Direct Deposit and Get $100!*

Choose from these two great options:

• Direct Deposit Checking
• Charter Checking

Our checking accounts also feature free online bill payment, Visa® Check Card and/or ATM access at a large no-fee national ATM network and more!

Your money will get deposited into your account automatically. And, you won’t have to make a trip to the credit union to make a deposit – saving you time and more importantly, expensive fuel!

And best of all, opening a North County Credit Union checking account qualifies you to enter into our “Penny Saved/Penny Earned” Sweepstakes!

To be eligible for this offer, your paycheck, social security or pension (all require a minimum of $100) must be deposited into your North County Credit Union checking account. Your first recurring direct deposit must be received by September 15, 2008 in order to receive your $100 cash offer.

Existing members can open an account online. Or if you prefer, contact us for an application. Please mention promotional code “PS100” to receive this bonus offer.

*Cash bonus will be credited to your checking account by September 30, 2008. To receive this offer, you must start having your direct deposited funds ($100 minimum) credited to your North County Credit Union checking account no later than September 15, 2008. Offer is limited to one cash bonus per member. You must meet credit union membership eligibility requirements and CheckSystem® review. Cash bonus is considered income and is reportable on IRS Form 1099 INT. Offer may end at any time without notice, so act fast!

Linking instructions:

• Direct Deposit Checking -- http://www.northcountycu.org/prodserv/checking.html
• Charter Checking -- http://www.northcountycu.org/prodserv/checking.html
• Online bill payment -- http://www.northcountycu.org/onlineserv/about_teller.html#bill_pay
• Visa® Check Card -- http://www.northcountycu.org/prodserv/visa_serv.html#visa_cc
• ATM access -- http://www.northcountycu.org/prodserv/visa_serv.html#atm_card
• Open an account online -- https://www.northcountycu.org/onlineserv/mmkt_app.html
• “Penny Saved/Penny Earned” Sweepstakes! -- https://www.northcountycu.org/about/whats_new.html#penny
• Contact us -- https://www.northcountycu.org/Forms/OnlineForm.cgi?form=email

Our Current “Directions” Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe’s Acrobat Reader in order to view.

Third Quarter 2008
Second Quarter 2008
First Quarter 2008
Fourth Quarter 2007

Look for these articles on our Web site's online magazine, "The Home & Family Finance Resource Center."

In July:

• July Financial Fitness Challenge: Put Low-Cost Veggies on the Table
  You may be able to create a goldmine in your backyard-grow a garden.
• Tough Times Series: Lenders, Counselors Help Homeowners Avoid Foreclosure (featured week of July 7)
  If you're a homeowner, the thought of not being able to make mortgage payments probably tops your list of financial worst-case scenarios. A financial bump in the road does not have to spell disaster.
• Get There With Portable GPS (featured week of July 14)
  You now can buy global positioning system units with as many features as manufacturers' new-car systems for less than half the price.
• Tough Times Series: Credit Savvy Is Key to Avoiding Costly Missteps (featured week of July 14)
  The truth behind 12 of the most common credit myths is revealed.
• Pay Off Your Mortgage Sooner ... or Later? (featured week of July 21)
  It's satisfying to see your mortgage balance shrink faster, but is prepaying always a smart financial move?
• Audio Books: A Novel Way to Read a Good Book (featured week of July 28)
  As Americans become highly skilled multitaskers, dedicated readers aren't giving up their passion-they're turning to audio books.

• What to Know Before Bundling TV, Phone, and Internet Services
  If you're still paying a separate bill for each of your telecommunications services-TV, phone, and Internet-you're part of a dwindling population.
• Gouged by Groceries
  Rising food prices are taking a bite out of American budgets, but savvy shoppers can snap back with a few painless money-saving strategies.
• Putting Credit On Ice Carries Costs, Benefits
  Freezing your credit can help protect your reputation as a credit-worthy consumer, but it's likely to cost you both time and money.
• Tough Times Series: What to Do When Your ARM Is Due
  If you have an adjustable-rate mortgage (ARM) and your rate adjustment is looming, it's time to devise a plan.
• Avoid Conversion Confusion With Roth IRAs
  We'll explain the 2008 tax rule change regarding conversions of a 401(k) or other employer retirement plan to a Roth IRA.