It's Getting Colder
Tips to Trim Energy Costs

Did you know keeping your home warm and toasty during the winter months can account for almost half of your energy bill?

Before you lock the thermostat on 60 degrees and require everyone in your home to wear Snuggies,^™ consider the following tips from the U.S. Department of Energy for reducing heating costs.

Caulk and weatherstrip windows and doors that leak air.
Clean warm-air registers, baseboard heaters, and radiators. Make sure they are not blocked by furniture, carpeting, or drapes.
Install a programmable thermostat that will automatically adjust the temperature according to your schedule. For example, it can keep your home cooler when you are at work and warmer in the evenings when you are home.
Turn off kitchen and bathroom ventilating fans within 20 minutes of cooking and showering to retain heated air.
Insulate heating ducts in unheated areas such as attics and crawlspaces. Also insulate your hot water heater and hot water pipes to prevent heat loss.
Clean or replace furnace filters once a month. Make sure your furnace or heat pump receives professional maintenance each year.
Replace old appliances with new ENERGY STAR^® products. Appliances with the ENERGY STAR label can cut energy bills by
up to 30%.

Track Your Savings
DCU offers an easy way to help you monitor your spending (and savings!) with FinanceWorks^™ through PC Branch. With one login, you can view your everyday finances from the institutions and creditors you use. It even shows charts of where your money is going to help you better understand your money management habits.

Learn more about DCU's money management services at dcu.org, stop by any DCU branch, or call DCU's Information Center at the numbers listed in the Contact Us box.

Don't waste energy paying bills! Ask your utility providers about ACH payments to have funds automatically withdrawn from your DCU account. There are no checks to write, stamps to buy, or bills to mail, and you can track the transfers in PC Branch.

Energy Affordability
DCU Is Here to Help

Limited Time Only!
1% discount off Energy Efficiency and Fuel Assistance Loan Rates through Nov. 30, 2009.

If you would like to make energy-efficient upgrades to your home or need assistance paying heating costs, DCU offers loans that can help.

An Energy Efficiency Loan can be used to upgrade your home's heating system, install a pellet or woodburning stove, add storm windows and insulation, and more.

A Fuel Assistance Loan can help you cover the costs of oil, gas, propane, electric heat, pellets, or firewood.

Learn more about these loans at dcu.org, stop by any branch, or call the Information Center at the number listed in the Contact Us box.

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Members' Monthly Home

DCU Information Center
508.263.6700 or 800.328.8797

DCU Financial
800.328.8797, ext. 6077

DCU Insurance
800.328.8797, ext. 6978

DCU Realty
888.832.8929

Digital Federal Credit Union
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797 • dcu.org • dcu@dcu.org
TTY 800.395.5146 (For hearing impaired only)

Have you had a good experience with DCU that you want to share with others? Send us an email at dcu@dcu.org or mail it to:

DCU
Attn: Marketing Dept.
PO Box 9130
Marlborough, MA 01752-9130

For direct deposit: routing and transit
# ABA 211391825
Editor: James Paquette
To apply for a Home Equity Loan, Consumer Loan, or Mortgage anytime, call 508.263.6700 or 800.328.8797 (select 3) or visit dcu.org. For a complete listing of DCU's rates, visit our web site at dcu.org or stop by your nearest DCU branch.