Experience THE CREDIT UNION DIFFERENCE

Loans for ALL Reasons
Whatever your lending needs, Synergy One has the solution including an online loan application and a 24-hour toll free lending hotline at (888) 357-5626.

• New and Used Auto Loans
• First Mortgage Loans
• Home Equity Loans & Lines of Credit
• NO Annual Fee Credit Cards
• Recreational Vehicle Loans
• Stock-Secured Loans & Lines of Credit
• Signature Loans & Lines of Credit

Heltzel - Synergy One Mortgage Company - Voted #1 Mortgage Company in the “Best of Prince William” 2006

Heltzel - Synergy One Mortgage Company, is a division of Synergy One Financial Services, LLC a wholly owned subsidiary of Synergy One Federal Credit Union. Originally founded in 1965 as Heltzel Mortgage Corporation, the firm was merged with Synergy One Federal Credit Union in October 2001. HSOM as been ranked as the #1 Mortgage Company in Prince William County Virginia in 2003 and 2004, and is licensed in Virginia, Maryland, West Virginia and North Carolina.

The mortgage company is based in Manassas, Virginia, with offices in Lake Ridge, VA and Cockeysville, MD. We are approved to originate, underwrite and close loans for Fannie Mae, Freddie Mac, VA, FHA and VHDA loan programs.

We offer a full range of mortgage programs to suit almost every borrower. Here is a partial list of some of our programs:

• Fixed rate loans with 10,15, 20 and 30 year term. Interest only options available on some 30 year fixed rate programs
• ARM programs: One, 3/1, 5/1, 7/1 and 10/1 programs – interest only as well
• 100-105% financing to qualified borrowers – some without PMI
• 80/20, 80/15 and 80/10 programs – fixed and adjustable rates
• Construction-permanent loans with 10% down
• Land loans with as little as 10% down
• Home Equity loans of up to 95% of the value of your home

Our loan officers have an average experience of 12 years in the mortgage business, and we celebrated our 40th year in business in 2005. We have the loan programs, the experience, and the service that you deserve. Call us: 703-368-9248 or 1-800-825-1870. CLICK HERE for more information. You can also APPLY ON LINE or PRINT the application to complete in the comfort of your home and bring it with you to your appointment.

Access Synergy One on the Internet

• Free Online Banking Access
• Free Bill Payment Service
• In Focus Newsletter (Quarterly)
• Loan Rates and Application
• Various Calculators
• Dividend Rates
• Frequently Asked Questions Section
• Googolplex (Pages Just For Kids and Teens)

Our Website is updated on a regular basis, so check back often. Add Synergy One to your favorites list today! www.SynergyOneFCU.org

Savings Accounts
Whether you want to save for a rainy day, plan for the holidays or get ready for retirement, Synergy One can help you choose the right solution. In addition, the more you save, the more you earn with our tiered rate structure

• Regular Savings (Share)
• Money Market Accounts
• Certificates
• Traditional & Roth IRAs
• Youth Savings
• Vacation & Christmas Clubs
• Checking Accounts

Synergy One’s Checking accounts offer attractive alternatives to high bank fees. They also include FREE online Banking, Bill Pay, and telephone audio response system.

Signature Checking: Pays dividends on accounts with a minimum daily balance of $750. There are no per check charges, plus you get 10 FREE foreign ATM withdrawals per month.

Basic Checking: Free checking with no per check or monthly fees, plus 4 FREE foreign ATM withdrawals per month.

Overdraft Protection: Say goodbye to bounced checks when you get Overdraft Protection.

FREE VISA Check Card: No checking account is complete without a Visa Check Card. The Visa Check Card is the easy way to pay for purchases with the funds from your checking account without the hassle of writing a check. You can use it wherever you see the Visa logo by simply signing the receipt as you do with a credit card. Safer than carrying cash.

• NO annual fee or usage fee
• Use it to get cash at ATMs worldwide
• Get cash back from most grocery stores when you use your PIN
• Detailed purchase record on your monthly statement
• Balances reflected in “real time”
• Transactions (signature based. ATM usage and Deposits) reflected in your available balance almost immediately

Direct Deposit
It’s FREE and the safest and most convenient way to deposit your payroll checks. Your money is electronically transferred and immediately available without having to make a trip to the credit union. Verification of your direct deposit is easy with our FREE Online Banking or Telephone Audio Response Systems.

Joining Is Easy!
All you have to do to enjoy the benefits of Synergy One membership is open a Regular Savings Account with a deposit of $25 or more. That's all there is to it!

• Your spouse and children
• Your parents, sisters, and brothers
• Your stepchildren and step-parents
• Your grandchildren, grandparents and their spouses
• Any person sharing a residence as part of a single-family unit

A Lifetime Of Benefits
Whether you change jobs, retire or move, you remain a Synergy One member for life as long as you maintain a $25 minimum balance in your Regular Share Account. That goes for your family members who have joined too! With all the options available, you can access your money anywhere. So, wherever you are, Synergy One can be there with you.

Enjoy the Savings & Convenience
We regularly survey other financial institutions to compare our products and services. You can feel confident that your credit union accounts, loans, and services are not only competitive but a great deal. For current deposit or loan rates, CLICK HERE.