JHFCU has partnered with Nationwide Insurance, and with this partnership all members are eligible for a 3% discount! Whether you are currently insured by Nationwide or just want further information, you can contact Corrigan Insurance at 1-800-213-1634 or corriganagency@nationwide.com.
Consumers purchasing insurance through MAIF, the Maryland Automobile Insurance Fund, often end up paying extremely high interest costs at outside financing companies. The Credit Union has established a program to allow members to finance MAIF Premiums at a lower rate. Call Member Benefits, Inc. at 410-882-0810 for more information.
Motor Vehicle Certification ProgramThis consumer information service allows you to obtain pricing information
on new cars before you visit the dealership. You can receive information
on the actual invoice price, plus up-to-date information on rebates and
incentives. MVCP has a network of dealers who will honor pre-established
pricing. The MVCP consumer advisor will send you a certificate or certificates
for dealers offering special pricing, and can double check your price
once you visit the dealer. Call MVCP at 410-522-5000 or 1-800-345-0990.
Also, you can visit their web page at www.mvcp.com.
JHFCU also offers members access to Web Carbook, where you can look up
prices for new vehicles and options, research used cars values, compare
vehicles, or find out vehicle safety information. You can even request
a quote for your vehicle from area dealers. To access Web Carbook, click
here. You may also get NADA information by clicking here.
The Family Security Plan’s Whole Life Insurance offers you a way
to protect your family’s future in the event that you were no longer
there to care for them. [more]
The Family Security Plan ’s Critical Illness Insurance safeguards
your savings by providing you with a lump sum benefit upon first diagnosis
of a covered critical illness. Best Doctors® will make sure you get
the best medical guidance.[more]
Disability income insurance provides a convenient, affordable way to ensure
that your income will continue even if you were unable to earn a paycheck
due to a disabling injury or illness. [more]
If you find yourself paying too much money for car or homeowner insurance, the Credit Union offers a program that could help you save hundreds of dollars per year. ENI Insurance Services, Inc., LCC, an insurance agency highly reputable in the credit union industry provides members various options that offer competitive rates.
ENI reports that members who call for a price have saved between $200 and $500 and in some instances, more than $1,000 per year. When you call for a quote, ENI searches through the 30+ companies participating in its program and finds the company with the most compatible and economical coverage suited to your individual needs. As an extra service, if you purchase insurance through ENI, the agency will also track your policy at renewal time; if the premium is expected to increase it will compare your policy with other insurance companies to let you know if you're still receiving the best coverage.
For a free, no-obligation quote, just call ENI at 1-800-649-4392 and the representative will give you an answer in 12-15 minutes. You can also get quotes by visiting ENI's web site at www.eniinsurance.com.
College PayWay® is an easy-to-use tool that allows you to build a personal education financing plan tailored to your individual financial situation and goals.
It starts with a foundation, which consists of resources you have available to finance your student's education, such as income, savings, investments and cash. Based on your financial situation—and your student's academic and extracurricular profile—he or she may also be eligible for merit-based aid.
In addition, College PayWay® looks at five other potential sources of funding: Free Aid, Assets and Cash, Education Loans, Secured Loans, and Unsecured Loans. The plan depends on your personal resources, your student's scholarship potential and the level of debt you can comfortably afford.
Whether you’re a parent planning for your child’s education, or a high school, college, or graduate student, looking for the best financial options, College PayWay® can help.
As
a valued member of JHFCU, we are committed to serving you. And as a benefit
of your membership, we provide you with free access to financial education
and counseling services. JHFCU has teamed up with Accel, a financial counseling
program, through which you can enjoy free and unlimited access to financial
counselors.
As a member of JHFCU, you can receive assistance with:
Accel can give personalized answers to your individual needs and their counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m., and Saturday from 9 a.m. to 1 p.m. To use this service, simply call 1-877-33-ACCEL (332-2235) or visit them on the web at www.accelservices.org
One
of JHFCU's many partnerships is with Enterprise Car Sales. Enterprise
offers features such as a no-haggle price system, 7-Day/1000 miles repurchase
policy, limited powertrain warranty, and more. They also occasionally
offer special rebates if you finance through JHFCU, too. For more information
about Enterprise, please visit their website at www.enterprise.com/carsales.
Several new car dealerships also advertise with JHFCU and offer special consideration to JHFCU members. The list of dealers and contact information can be found on the back page of our Money Matters newsletter, available in all of our branches and online.
Some dealerships can offer JHFCU financing on-site. This is an added convenience for members who want a JHFCU loan. However, applying and closing your loan directly with JHFCU offers some advantages, such as allowing us to verify the price/value of the vehicle and to set up convenient repayment options.
Enterprise also offers a great deal to our members for car rental services. Click on the images below for more infomation!
At
the beginning of the year, JHFCU posts a link on its web site to Turbo
Tax®, an online service that allows members to electronically
file their federal and state taxes for a low cost via their PC. With TurboTax®,
members' tax refunds are submitted and processed faster and can be direct
deposited into their account. Members receive acknowledgment of receipt
from the IRS within 48 hours; plus, the software is updated each year
and incorporates all new federal and state laws, making it easier to keep
up with changing rules and regulations.
Answer: There are a lot of reasons for the price difference. Some retailers may discount the store (desktop) version as a way to get you into their store. One very important factor to remember is that once you buy the store (desktop) version and take it out of the box; you have essentially purchased it and can’t return it. However, with TurboTax Online, you can go through the whole program and calculate your tax return before you are asked to pay for it. With TurboTax Online, you only pay when you Print or Electronically File your tax return. With the store (desktop) version, you have essentially paid for it when you walk out of the store.
Typically, the store (desktop) version also says that it includes a "free electronic filing" with the purchase of the software. However, the reality is that you must first pay the electronic filing fee up-front with your credit card and then send in a rebate coupon to get your money back.
The store (desktop) version also limits you to one computer when working
on your tax return. With TurboTax Online, you can access your tax return
any time, any where from any computer that has Internet access.
Also, the store version doesn’t come with the exclusive toll free
member support line. For those who purchase the store version, any technical
or customer service issues about TurboTax must be handled through the
fee-based support line operated by Intuit.
The TurboTax Online version also comes with the state version included in it. The State calculations are a function of your federal tax return, so with TurboTax Online, once you finish your federal tax return, your state tax return is almost complete. Just answer a few follow up questions and you are done with the state tax return as well. The store (desktop) version has a separate state software package that you have to actually buy and load on your computer.
If you live in one of the following states, you are entitled to receive a free credit report by mail.
All other states are required to pay the $9.00 fee with the exception of Connecticut - $5, Minnesota - $3; California - $8, and Montana - $8.50. Additionally, if you meet one of the FCRA requirements below, you are entitled to one free credit report via U.S. mail.
Your credit report can be ordered from Equifax by dialing 1-800-685-1111.
You may also receive your credit report from all three credit bureaus
by going to www.annualcreditreport.com.
If you prefer, you may also request your free credit report by writing
to Equifax at the following address:
Equifax Information Services, LLC
Disclosure Department
P.O. Box 740241
Atlanta, GA 30374
JHFCU members are automatically eligible for $1,000 worth of accidental death and dismemberment insurance at no charge. Additional amounts to cover one's self or one's family are available at low group rates. Payments are deducted from your Share Account on a quarterly basis. To enroll in the AD&D insurance program, or to request the form to change or cancel your policy, call plan administrator Larry Walters at 1-800-942-3646.
Financial
Security Consultants, Inc. has been assisting Credit Union members
with their mortgage needs for over ten years. Whether you're buying or
refinancing, Financial Security Consultants can assist you with a mortgage
on property in Maryland, DC, Virginia, or Delaware. We offer:
Purchasing or selling real estate? Now you can receive professional real estate assistance and cash rebates through the Introducing SMARTMOVE® Program.
The Johns Hopkins Federal Credit Union has teamed up with Introducing SMARTMOVE®, a national real estate affinity program designed specifically for credit unions to give you, our member, the highest quality, professional real estate assistance and CASH REBATES*.
When you register with Introducing SMARTMOVE®, a coordinator will explain the Introducing SMARTMOVE® guidelines in order for you to qualify for a cash rebate - up to $5,000 - whenever you buy or sell real estate. You'll receive a cash rebate for each transaction.
You will also receive high quality professional real estate assistance from specially trained and experienced agents who will help you with your search, and professionally market your current home or investment properties.
This program is available for properties located nationwide and applies to:
Best of all, this program is absolutely free to you as a valued member of JHFCU. To register or for more details, contact Introducing SMARTMOVE® at (800) 645-6560, Monday-Friday, from 9:00am-5:00pm (EST), or via the web at www.smartmove.com.
Please note that by accessing any external links you will be leaving JHFCU's website and entering a website hosted by another party. JHFCU does not operate this alternate site, nor is JHFCU responsible for the content of the site you are about to enter. We encourage you to read and evaluate the privacy and security policies of the site you are entering, as they may differ from those praticed by JHFCU.
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