MONEY MONEY MATTERS
Wrap Up Your Debt This Season!
The holidays bring joy — and sometimes, extra pressure from unwanted debt. If you’re starting the new year with multiple balances, now’s the perfect time to simplify, consolidate, and save.
Deepwater Industries FCU can help you “wrap up” your high-interest debt with two smart solutions:
Visa Balance Transfers — Only 2.99% APR* for 12 Months
Move your high-rate balances to your Deepwater Industries Visa Credit Card and enjoy receive an exceptional 2.99% APR, with remaining balances reverting to our standard low APR.
Home Equity Line of Credit (HELOC) – As low as 7.00% APR*
Tap into your home’s equity with a flexible line of credit at a competitive 7.00% variable APR*. Use what you need, when you need it — and pay interest only on what you borrow.
A smart solution for homeowners looking to consolidate debt or access extra funds.
Why Consolidate Debt?
- Lower your interest costs and pay down debt faster.
- One monthly payment makes budgeting easier.
- More breathing room as you head into 2026.
Get Started Today!
Apply online at DeepwaterInd.org or call 856-299-1279.
*APR=Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval. Some restrictions may apply. See the credit union for complete details.
Introducing Our 10/1 Adjustable-Rate Mortgage (ARM)
Our exclusive 10/1 ARM program features an introductory rate set 1% below today’s 30-year fixed mortgage rate, giving you lower monthly payments during the initial period. It’s an excellent solution for buyers who want stability up front with the flexibility of an adjustable-rate loan later.
Why Consider a 10/1 ARM?
- Lower initial rate to help reduce early monthly payments
- Added affordability during the first 10 years
- Ideal for buyers planning to move or refinance in the future
- Competitive credit union pricing with personalized guidance
Whether you’re a first-time buyer or preparing for your next move, our mortgage team is here to help you explore your options.
Learn More
Contact us today! You can visit deepwaterInd.org for complete details on our Adjustable–Rate Mortgage (ARM) programs, or call 856-299-1279 for assistance.
*This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Deepwater Industries Federal Credit Union: 565 N. Broadway, Deepwater, NJ 08023 | (856) 299.1279 | NMLS ID: 431607. For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.
Minor Checking Account
Checking accounts are available for your children aged 16-17! Help them learn good financial habits and be prepared to bank on their own.
Teach them about:
- Regularly balancing their account
- Maintaining the balance they want
- Responsible spending
- The difference between credit cards and debit cards.
TAX TIME TIPS!
Understanding Your W-2, 1099s, and Other Tax Forms
Tax season can feel overwhelming, but understanding the documents you receive makes filing quicker, easier, and far more accurate. Most forms arrive between January and early February, so keeping an eye out for them helps ensure nothing gets missed.
Common Tax Forms
- W-2: Reports wages and taxes withheld by your employer.
- 1099-INT: Shows interest earned from savings or certificate accounts.
- 1099-DIV: Reports dividends from investment accounts.
- 1099-MISC/1099-NEC: Issued for freelance, contract, or gig-economy income.
- 1099-R: For distributions from retirement accounts.
- 1098: Reports mortgage interest you may be able to deduct.
Tips for a Smooth Filing Season
- Keep all tax forms in a folder — paper or digital.
- Compare this year’s forms with last year’s return to identify anything missing.
- Review each form for accuracy, especially names, Social Security numbers, and totals.
- File electronically and choose Direct Deposit for the fastest refund.
Choose Direct Deposit for a Faster Refund
Direct Deposit into your Deepwater Industries FCU account is the safest and quickest way to receive your tax refund — often within just 21 days. It also eliminates the risk of lost or stolen checks.
Set Up Direct Deposit in Three Easy Steps
1. Enter our Routing & Transit Number: 231277822
2. Select your account (Checking or Savings)
3. Include your member number
If you need assistance, call 856-299-1279. We’re happy to help!
Save with TurboTax®
Make filing your taxes easier — and potentially more rewarding — with TurboTax®, available at a discount through the Love My Credit Union® Rewards program.
Why File with TurboTax?
- Fast Setup: Upload your W-2 or 1099 with a quick photo.
- Personalized Guidance: Get tailored answers through Intuit Assist, even in the Free Edition.
- Expert Help: Connect with tax pros — or let them handle the return for you.
- Accuracy: Verify calculations to help ensure your maximum refund.
Exclusive Member Savings
Deepwater Industries FCU members receive special TurboTax discounts through LoveMyCreditUnion.org — just one more benefit of belonging to your credit union.
Introducing Website Wednesdays — Starting January 7
Need help with online banking, our mobile app, or enrolling in e-statements?
Join us every Wednesday from 10:00 a.m. to 2:00 p.m. for 1-on-1, hands-on digital banking support.
We Can Assist With:
- Logging in and navigating online banking
- Downloading and using the mobile app
- Enrolling in e-statements
- Setting up account alerts and transfers
- Resetting passwords and security codes
Whether you’re a digital banking pro or just getting started, we’re here to help you feel confident and secure using your online tools.
Stop In — No Appointment Needed!
Keep Your Information Up To Date
Staying connected is important! Please make sure we have your current address, phone number, and email on file. Accurate information helps us reach you quickly, protect your account, and ensure you never miss important updates or notifications.
If you’ve moved, changed your number, or recently updated your email, give us a call at 856-299-1279 or stop by either branch — we’re happy to help keep your account information current and secure.
Stay Connected
Follow us on Facebook and Instagram for important news and updates.
You’re At The Heart Of What We Do
We love our members — and Valentine’s Day is the perfect time to show it!
Stop by either branch on February 13 for a sweet treat and a warm thank-you from your Deepwater Industries FCU team.
We appreciate your membership and look forward to serving you throughout 2026.
THANK YOU FOR GIVING BACK!
This holiday season, our Deepwater family came together to spread kindness across the community — and we’re proud to share the impact.
TOGETHER, WE MADE A DIFFERENCE:
- Our team was proud to purchase and donate three turkey dinners to support local families this season.
- Members donated items for the Holiday Gift bag program for Meals on Wheels.
- We were excited to surprise a few of our members by purchasing their groceries as a random act of kindness.
We’re grateful to our members and staff for their generosity, which makes these efforts possible. Your kindness truly transforms lives.
Holiday Closings
- Martin Luther King, Jr. Day - Monday, January 19, 2026
- Presidents’ Day - Monday, February 16, 2026
- Memorial Day - Monday, May 25, 2026
Online & Mobile Banking, ATMs, and Night Drop remain available 24/7.
Please let us know if you have a new address, phone number, or email address. Having your updated information ensures we can reach you when needed. It also
keeps your data safe and secure!