Congratulations!

Having a son or daughter accepted to Creighton University is thrilling and a wonderful accomplishment. You now can take a deep breath and settle into the considerable challenge of getting your student established in his or her new surroundings. That’s where we can help in a big way!

Creighton Federal Credit Union has been affiliated with Creighton University since 1952. We have a long history of helping new students get established and, indeed, continuing throughout their careers. As a parent or guardian, one of the best things you can do – for your student and yourself – is to see that they have a personal financial support system in place from the moment they walk on campus. Rest assured, Creighton Federal Credit Union is that support system! The accompanying information will briefly describe the “Creighton Federal Personal Financial Success Pack,” a package of financial tools and low-cost services exclusively for students. Here’s why the “Creighton Federal Personal Financial Success Pack” is a must for your student.

Free Basics – A Local Checking Account
Every student needs one. We offer your student checking with no minimum balance, no monthly fee and unlimited, no-fee debit transactions at merchants. Account statements are provided electronically, via email, offering faster delivery, accessible anytime, and archived online. With it comes our FREE internet banking providing 24x7 access to account histories, cleared checks, check card purchases, and transfers between accounts. And there’s plenty more.

Convenience with Assurances
We maintain a full-service office in the Skutt Student Center and six ATMs on the Creighton campus. We’re never more than a few steps away. Think of it as “peace of mind” insurance.

Cash & Check Card
We also offer students the convenience of our Cash & Check Card. Use it instead of checks wherever Visa® or MasterCard® is accepted. Purchases are automatically deducted from the student’s checking account, as if they’d written a check. It’s also your source for cash at ATMs worldwide, and at over 85 Creighton Federal or Cash Corner no transaction fee ATMs throughout the metro.

Our special Jays Student VISA® card is automatically available to all incoming new students. Because of his or her acceptance to Creighton University, your student can qualify for a Creighton Federal VISA® with a $500 limit.* A $500 limit ensures the convenience of a credit card for necessities and emergencies. At the same time, it lets the student experience the responsibilities that go with freedom to purchase without incurring a mound of debt. Other credit card companies will be offering your son or daughter credit cards with huge credit limits. We consider ourselves the responsible provider, with your student’s best long-term interest at heart. Credit limits will increase as your student progresses through school. Verified by VISA® is available for secure online shopping.
* Higher limits available with co-signer.

Student Loan Designator
829565 - It might look like just another number, but it’s much more. This number designates Creighton Federal as the financial institution funding your student’s federal student loan. The importance of designating Creighton Federal is three fold:

First, as a Creighton University preferred lender we offer 0% default fee Stafford loans , and we’ll make direct deposits of your student’s loan proceeds to Creighton University. Your student will appreciate that!

Second, we’re local with a facility right on campus. Should your student have a question or concern, we’re right there.

Third, at repayment time your student can skip their last 5 payments after making all previous payments on time. Skip 2 more payments for using auto payment. Repayment might seem a long way off, but it isn’t. And these CFCU borrower benefits add up to a lot of money!

Parents can benefit too from low interest federal PLUS loans, to help finance the costs of college. By designating Creighton Federal for funding your PLUS loan, parents can skip their last 5 payments too after making all previous payments on time. Plus, skip 2 more payments for using automatic payments.

Student Convenience!
A Creighton Federal checking account is a perfect compliment to the Creighton University Jay Bucks Card. The Jay Bucks Card serves as a student ID, and can also be used at on-campus vending machines, copy machines, and for the university meal plans. You may be asked to link your Jay Bucks Card to another financial institutions checking account, but no one can match the on-campus convenience and off-campus usability of a Creighton Federal Cash & Check Card.

There are other benefits as well. Creighton Federal’s new Interactive Member Services is a new electronic approach to member service. By logging on to our web site at creightonfederal.org you can access:

• 24 hour email inquiries by selectable product or service automatically routed to the appropriate department for quick response;
• Online applications for fast, efficient processing of requests;
• StudentLink, online access to student loan information;
• eZCardInfo, online access to your Jays Student VISA® transactions; and
• 24 hour online check reordering;

As you can see, we’ve spent considerable time and effort developing our “Creighton Federal Personal Financial Success Pack.” We’ve worked hard to make it a valuable tool for getting students off on sound financial footing. I urge you to read the following information, then fill out and submit the online member application form.

Thank you, and please let me know how Creighton Federal can be of service.

Sincerely,
Tom Kjar
President, Creighton Federal Credit Union

P.S. As a final good faith gesture, you have my personal commitment to open your student’s account over the summer with a $5.00 or more balance. It’ll be ready in the fall.

By choosing Creighton Federal Credit Union, you'll have access to the people you need, when you need them. You can call (402) 280-1709 or stop in (at our branch office at the Skutt Student Center) to ask questions about your finances and get important information about your accounts.

You'll work with the people that have worked with students since 1952 and understand financing a college education. "Its not something that's done every day".

The financial services you'll need throughout your college career are covered with our "Student Financial Success Kit". Services like Checking, Cash & Checking Cards, a Student Visa, and Federally Insured student loans.

Sounds Simple... It is. But Wait!
Take a look at the services we have available for you,

• On Campus Office Located in the Skutt Student Center just for starters.
• Over 85 NO FEE ATMs With six ATMs on Campus.
• Internet Banking FREE.
• Bill Payer Electronic Bill Paying FREE.
• NO Minimum Balance Checking, FREE.
• Student Visa (with limited balances), FREE.
• Stafford and PLUS Student Loans
• Cash & Checking Card (Debit Card), FREE.
• Access24 access your account, check balances, transfer money, etc., FREE.
• Electronic Statements - FREE

Want to know more, keep looking through our site for a complete working knowledge of what Creighton Federal can do for you.

A Creighton Federal Cash & Check Card
Use it instead of checks, credit cards, or even cash, wherever VISA or MasterCard is accepted, or at merchants displaying the Interlink logo. Just present it at the time of purchase and the amount will be deducted from your checking account. FREE It's your source for cash at ATMs worldwide, plus there is NO TRANSACTION FEE for retail purchases, or for withdrawals from any Creighton Federal or Cash Corner ATM machine.

A Creighton Federal Jays Student VISA
Available for new students with a $500 limit. CFCU will grant a Student Visa with: Full Time Status, No derogatory Credit, No excessive Credit. Student VISA Credit Limits: Freshmen - $500, Sophomore - $750, Junior - $1,000, Senior - $1,500, Graduate and Professional - $2,500. Higher Credit limits will be available with a qualified co-maker. Enroll in Verified by VISA for safe, secure online shopping. It protects you in the event your account number is ever compromised when you make a purchase on the internet. Manage your VISA account online and stay up-to-date on your account activity. At eZCardInfo you can view unbilled transactions, check your balance, available credit, minimum payment due, payment due date, past payments, and lots more.

Home Financial Services (Internet Account Access)
Internet access to your account information 24x7 including account balances, account histories, cleared checks, and transfers between accounts. FREE Interactive Member Services A new, electronic approach to customer service for:

• 24 hour online check reordering
• 24 hour email inquiry automatically routed to the appropriate department for quick response
• Email updates on topics members select
• Online applications for fast, efficient processing
• Access 24 24 -hour telephone access to account balances and information. FREE

Creighton Federal Student Loans
Creighton Federal provides Subsidized Stafford Loans, Unsubsidized Stafford Loans, and Parent Loans for Students (PLUS). Loan proceeds are disbursed electronically and all Stafford loans have a 0% origination fee ! Plus, Creighton Federal is local, when you need us, we're right there.

Know the Number for Creighton Federal Funded Student Loans "829565"
Creighton University has designated Creighton Federal as a "Preferred Lender". Request Creighton Federal to be your lender of choice on your application for federal education loans. Fill in our lender code number 829565 on the online Stafford and PLUS loan application (for Creighton University new borrowers only).

Creighton Federal Borrower Benefits
CFCU can help you save hundreds, even thousands in education loan costs. With a Creighton Federal funded Stafford student loan, at repayment time your student can earn a 3.33% principal reduction on his or her student loan just by making on-time payments. For parents, earn up to a 2% interest rate reduction by making on-time payments. Plus, receive a .25% rate discount for making automatic payments. Repayment might seam a long way off, but it isn't. And these borrower benefits ad up to a lot of money.

StudentLink®

• Online Access to student loan account information.
• Check loan balances.
• Find out when next payment is due.
• Use online repayment option calculator. And much more!

Download the Success Pack Presentation

Jay's Student VISA advantages include:

• No Annual Fees
• No Minimum Finance Charge
• No Cash Advance Fee
• 25 day grace period
• Annual Percentage Rate 14.9%
• 24/7 online account information, and recent transactions
• Online access to current and up to 18 months of past statements
• Priority Alerts — free email notices about the status of your account or
  a personal occasion
• Customized expense reports
• Online payment of your VISA from an account at any financial institution
• Verified by VISA — protection from unauthorized online purchases

Jay's Student VISA Credit Limits:

• Freshman $500
• Sophomore $750
• Junior $1000
• Senior $1500
• Graduate and Professional $2500
• Higher credit limits will be available with a qualified co-maker

Apply Online

Lost or Stolen VISA Cards, Please Call: 1-800-808-7230

Annual Percentage Rate	14.9% Fixed For Purchases, Balance Transfers, and Cash Advances
Variable Rate	None
Grace Period	For repayment of the balance owed for purchase: 25 Days
Method of computing the balance for purchase	Average daily balance including new purchases
Annual Fee	None
Minimum Finance Charge	None
Annual Review for Increased Credit	Automatic
Transaction Fee for Purchases	None
Cash Advance Fee	None

Go Online and Get Your Credit Card Information Between Statements
Secure, password protected site, a wealth of information whenever you want it. Now you don't have to wait until you receive your next credit card statement to know what your minimum payment will be. Go to eZCardInfo. Enter your account number, then enter the three-digit access code located in the signature block on the back of your card. This site will tell you everything you want to know:

• Current Balances
• Credit Limit
• Minimum Payment
• Due Date
• Past Payments and lots more!

Verified by VISA
Take the VISA card you already use, add a password to confirm your identity, and you've got Verified by VISA - the new service exclusively for VISA cardholders. Add online protection with the VISA card you already have:

• Password is linked to your card, not your computer.*
• Help prevent unauthorized purchases before they even happen
• Shop online with added security and peace of mind
• Create your own password today

* Verified by VISA will require Microsoft Internet Explorer 4.01 and above, Netscape Navigator 4.08 and above, or AOL 5x and above .

To apply, simply complete the visa application form online. You will receive a full agreement, disclosure statement and your billing rights after your card is issued. Apply for the Jay's Student VISA online or pick up a loan application at any Creighton Federal office, or call 402-341-2121 and one will be faxed or mailed to you.

Pay Your VISA Bill Automatically
Pay your monthly Creighton Federal VISA bill automatically, from a checking or savings account at ANY financial institution. Pay the minimum, all, or a fixed part of each monthly balance, without writing a check or mailing a payment. Fill out an online agreement for preauthorized payments, or pick up a form at any location. Or, call 402-341-2121 and one will be faxed or mailed to you.

Disclosures
OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT CREIGHTON FEDERAL CREDIT UNION’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.Terms Subject to Change. The rates contained herein are effective as of February 1, 2000. However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fees that you paid in connection with your application. Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Creighton Federal Credit Union open ended credit. The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information.

The World is Full of Numbers, Here's One You'll Want to Write Down... 829565
When it's time to designate a student loan provider, use this number- 829565 ! This number gives Creighton University and the government the identity of the lender that is administering your student loan. It might not seam like it, but it's an important number.

Designate Creighton Federal as your Student Loan Lender for Subsidized Stafford, Unsubsidized Stafford, and Parent Loans for Undergraduate Students (PLUS Loans). Save big money with Creighton Federal's Borrower Benefits. Skip the last 5 payments on your loan after making all previous payments on time. Skip 2 more payments for making automatic payments.

Student Loans
Many students rely on federal government loans to finance their educations. These loans have low interest rates and do not require credit checks or collateral. Student loans also provide a variety of deferment options and extended repayment terms.

The federal loan for students is called the Stafford Loan:

• These loans are provided by private lenders, such as credit unions. These loans are guaranteed against default by the federal government.
• All Stafford Loans are either subsidized (the government pays the interest while you're in school) or unsubsidized (you pay all the interest, although you can have the payments deferred until after graduation). To receive a subsidized Stafford Loan, you must be able to demonstrate financial need.
• With the unsubsidized Stafford loan, you can defer the payments until after graduation by capitalizing the interest. This adds the interest payments to the loan balance, increasing the size and cost of the loan. All students, regardless of need, are eligible for the unsubsidized Stafford Loan.
• Stafford Loans allow dependent undergraduates to borrow up to $3,500 their freshman year, $4,500 their sophomore year and $5,500 for each remaining year. Graduate students can borrow $18,500 per year, although only $8,500 of that is subsidized.
• Many students combine subsidized loans with unsubsidized loans to borrow the maximum amount permitted each year.
• All Stafford loans issued after July 1, 2008 will have a fixed rate of 6.0%. All lenders offer the same rate for the Stafford Loan, although some give discounts for on-time and electronic payment.

To apply for a Stafford Loan, you must submit the Free Application for Federal Student Aid (FAFSA). Even though the unsubsidized Stafford Loan is available to all students regardless of financial need, you must still submit the FASFA to be eligible. You can receive a subsidized loan and an unsubsidized loan for the same period.

Parent Loans
Parents of dependent students can take out loans to supplement their children's aid packages. The federal Parent Loan for Undergraduate Students (PLUS) lets parents borrow money to cover any costs not already covered by the student's financial aid package, up to the full cost of attendance.

All PLUS loans issued after July 1, 2008 will have a fixed rate of 8.5%. Repayment begins 60 days after the funds are fully disbursed, and the repayment term is up to 10 years.

PLUS loans are the financial responsibility of the parents, not the student. If the student agrees to make payments on the PLUS loan, but fails to make the payments on time, the parents will be held responsible.

University College Tuition Deferment Loan
Creighton Federal is happy to offer a Tuition Deferment Loan program to qualified applicants of the Creighton University College. A Tuition Deferment Loan allows a student to postpone the payment of tuition and other eligible educational costs until reimbursed by their employer or until the student qualifies for federal financial aid.

Pharmacy and Allied Health Non-Traditional/Transitional Tuition Loan
Creighton Federal offers a Tuition Loan program to Creighton University students enrolled in the Non-Traditional and Transitional programs offered by the School of Pharmacy and Allied Health Professionals.

Alegent Health Medical Assisting Tuition Loan
Creighton Federal Credit Union is happy to offer a Tuition Deferment Loan program to qualified applicants of the Alegent Health School of Medical Assisting. A Tuition Deferment Loan allows a student to postpone the payment of a portion of the tuition and other eligible educational costs until after graduation.

Hope Scholarship Tax Credit
You can receive a 100% tax credit for the first $1,000 tuition/fees (less grants and scholarships), and a 50% credit on the second $1,000 for a total credit up to $1,500. The student, however, must be enrolled at least half-time and be in the first two years of college. There are some income restrictions.

Lifetime Learning Credit
You may be eligible to claim a 20% tax credit for the first $5,000 tuition/fees paid each year (less grants/scholarships) through 2002, and for the first $10,000 thereafter. There are some income limitations. Families may claim the Hope Scholarship for some students and the Lifetime Learning credit for others in the same year.

Student Loan Interest Deduction
You may deduct interest paid in the first 60 months of repayment on student loans. You may take the deduction even if you don't itemize your taxes, as long as you're not claimed as a dependent on another person's tax return. Some income limitations apply.

Financial Aid Related Web Sites: Financial Aid Information Financial Scholarships

Enrollment...You must be enrolled at least half-time as a regular student in an accredited institution.

Citizenship...You must be a United States citizen, or an eligible non-citizen.

Social Security...You must have a valid social security number.

Selective Service...You must register with Selective Service.

Financial Need...You must complete a FAFSA (Free Application for Federal Student Aid) and provide any required tax and financial records. (This is based on your parents income and/or your own if you're considered an independent.) This will determine the amount and programs you qualify for.