Dividend rates on share accounts

 The following dividend rates and *Annual Percentage Yield for the 4th Quarter of 2011 will be paid on all share balances of $100.00 or more:

Share Bal.                           *Rate/APY

$100-$9,999.99                    0.40%        

$10,000+                               0.65%        

Dividends were posted to the share accounts on January 1, 2012. Contact the credit union office for more information about fees and terms applicable to the accounts. 

     JUST FINANCED ELSEWHERE? 

Auto Loan Rates

  As low as

3.00%*APR

 *Terms, loan amounts, vehicle year, and the annual percentage rates (APR) are based on your credit worthiness (gross monthly income and your credit score). Your actual APR may be higher than the above advertised rate. All loans subject to credit approval and some restrictions may apply. Loan protection insurance (life insurance) is provided by the CU at no cost to you.

The CFCU is helping you SAVE $$$$$ by offering you FREE tax preparation!!

          The Craftmaster FCU will be participating in the IRS VITA Tax program again this year!!

 

 

·         If you’ve worked in the past year and earned $51,000.00 or less you are eligible for free tax preparation through this program.

·         IRS e-file is the most accurate way to file a tax return.

·         Get $$ back in less than half the usual time – even faster with Direct Deposit!

 

          Call for more details or to schedule an appointment:

Craftmaster FCU –570-265-8410

 

 

&

YMCA of Bradford County - Wednesdays from 2:00-8:00p.m., toll free -866-434-4874

STOP waiting for the mailman….. DIRECT DEPOSIT YOUR TAX REFUNDS!

Choose direct deposit when filing your taxes— simply provide the Craftmaster FCU’s routing number—231386344and your CFCU account number listed at the top of your quarterly statement and choose Savings account.

• File your taxes through the VITA program for FREE, Call the CFCU office to setup any appointment
• File your taxes online or through your tax professional.
• Avoid rapid refunds!! The cost is HUGE and there is no real benefit as you can get your refund in as little as 10 days with Direct Deposit.

Receiving Royalties? Should you pay estimated taxes on the royalties?

In most cases the answer is YES!

            Estimated tax is the method used to pay tax on income that is not subject to withholding, such as income from a natural gas lease on your property. If you do not pay enough through withholding or estimated tax payments, you may be charged a penalty. If you do not pay enough by the due date of each payment period, you may be charged a penalty even if you are due a refund when you file your tax return. For estimated tax purposes, the year is divided into four payment periods. Each period has a specific payment due date.

            For Federal tax information go to: IRS.gov and type “Estimated Taxes” in search box. Choose “2012 form 1040-ES” for complete instructions and when payments are due.

            For state tax information go to www.revenue.state.pa.us. Choose “forms and publications”, then “forms for individuals” click on “PA-40ESR I.pdf”.

            Work with your financial professional to avoid penalties associated with nonpayment of estimated taxes.