Savings Products
Savings Accounts

Checking/Share Draft Accounts
ATM and Debit Cards
Club Accounts
IRA
Share Certificate Accounts

Youth Accounts
Loan Products
Loan Rates
Vehicle Loan Rates
Mortgage
Personal Loans
Credit Cards
Home Equity Lines of Credit
Home Equity Fixed Rate Loans
Loan Calculator
Our Services
Electronic Services
ATM Locations
Insurance Services
Financial Planning Services
Money Saving Discounts & Tickets
Shared Service Centers
Notary Public
Signature Guarantee
Print Forms from your Computer


Share (Savings) Accounts


Plan to Save

Enjoy peace of mind knowing there's money for unexpected things like medical expenses, or fun things like vacations, with a credit union share accounts. Payroll deduction and direct deposit are two ways we can help you make a savings plan.

Your Base Account

Niagara's Choice Savings Account is a credit union member's base account.  This account is opened and must remain opened in order to take advantage of the full range of credit union products and services. A minimum deposit to open of $5 is required at the time a member applies for membership.

An Account that Pays You Back

A Share Savings Account pays quarterly dividend rates which are compounded daily when the account maintains a minimum $250.00 daily balance. Share Savings Account statements are sent according to the following conditions:
  • A monthly statement is mailed when any activity (deposit, withdrawal, or electronic funds transfer) occurs
  • A quarterly statement is mailed during any quarterly period where activity has occurred
  • Only an annual statement is sent in cases where no activity has occurred
All Savings Accounts are insured to at least $250,000 by the National Credit Union Administration (NCUA) which is the federal regulatory body overseeing the operations of credit unions in the United States. Our fees are low but you should be aware that fees may reduce earnings.

Check out our current rates...

Note
: A maximum cash withdrawal of up to $1,500 per day is allowed.  Withdrawals exceeding this amount will be honored in the form of a Credit Union Draft


Checking (Draft) Accounts

Check With Us and Save

Niagara's Choice offers members a NO FEE full service checking account. Our checking account could save you over $100 a year compared to the checking account you may currently be using at a local bank. We have NO monthly service charges, per-transaction fees or other activity costs. Plus we have special member only pricing on the printing of checks through Liberty check printers. Most check orders are priced under $10.00 (delivered). You only pay for the check printing as you need them. Your first order of 50 standard checks is free. A minimum deposit is required to cover any costs incurred for non-standard checks, and you must have at least $1 in your account at all times for it to remain open. Checking accounts can also be opened jointly with a "non-member" of the credit union.

Overdraft protection is available on request
and is linked to your Share Savings Account. In the event of an overdraft, a $5 overdraft fee will be charged. With nearly 24-hour access to our Telephone Banking System you should always be able to avoid this "penalty fee" and remain a member in good standing.

Checking Accounts pay quarterly dividend rates which are compounded daily when the account maintains a minimum $250.00 daily balance.

Checking Account statements are sent monthly.

Checking account members can receive an ATM Card and FREE unlimited access to our Packard Road ATM Machine with access to checking (or savings*) account. Our ATM card is honored at all NYCE and Co-Op ATM locations. Please be aware that many ATM operators (not the credit union) impose certain fees for using their machines. These are always clearly posted or indicated in the process of making a transaction. It is the consumer's choice whether to pay these fees by using a specific machine. Niagara's Choice FCU ATM cardholders may process FOUR "No Credit Union Surcharge" transactions each month; at ATM machines other than the credit union's locations. Each additional transactions in a month will be assessed a $2.00 surcharge. The card can also be used at Big K (mart), Target, Walmart, Wegmans, Rite Aid, Tops Supermarkets and frequently for at-the-pump purchases at leading gas stations. These "at the register" transactions will also often permit a request for additional "CASH" back in addition to payment for purchases and do not incur transaction fees.

Five Reasons to Open A Credit Union Checking Account:
  • It takes only ONE DOLLAR to open a checking account and you only need a $1 minimum balance
  • You can write an unlimited amount of checks per month
  • You can have overdraft protection from your savings
  • You can apply for an ATM or MasterCard debit Card
  • You can access your Checking Account through our Telephone Banking System or through  "Online Banking" System (transfer funds, access account information, and more 24 hours a day).
Stop in today and open your no-hassle Checking Account
Note: A maximum cash withdrawal and/or check cashing privilege of up to $1,500 per day is allowed. Withdrawals exceeding this amount will be honored in the form of a Credit Union Draft.


ATM and Debit Cards

ATM Cards

Checking account members can receive a FREE ATM Card with FREE unlimited access to any of our ATM Machines at all three locations, with access to their checking and savings account.

Our ATM card is honored at all Cirrus, Pulse and Co-Op locations. Please be aware that many ATM operators (not the credit union) impose certain fees for using their machines. These are always clearly posted or indicated in the process of making a transaction.  It is the consumer's choice whether to pay these fees by using a specific machine.

Niagara's Choice FCU ATM cardholders may process 4 "No Credit Union Surcharge" transactions each month at ATM machines other than our Credit Union's locations. Each additional transaction in a month will be assessed a $2.00 surcharge.
*Contact a credit union representative


Debit Cards
Use your credit union debit card at any merchant that accepts MasterCard transactions. You can use your MasterCard debit card in person, by phone, or on-line. The MasterCard also acts as an ATM Card. You may withdraw cash at area ATM machines, including our "no-fee transaction" machines at all three branch locations.

When using the MasterCard as an ATM Card you can make 4 cash withdrawals per month without a fee (excluding our Credit Union's ATM transactions). Each cash withdrawal after the 4th one in a given month, will be assessed a $2.00 fee. Remember, individual ATM Machines may impose their own surcharge fee.

Click here to report a lost or stolen card...


Online Check Reordering

Click on the logo below to proceed to the secure ordering portal...



NCFCU Routing Number: 222381549


Club Accounts

Save for the holidays a little at a time by making regular deposits in a Niagara's Choice FCU Holiday Club Account. Our Holiday Club Account earns regular savings account dividends. A holiday club account can be opened at any time and the funds are distributed on November 1st. There is no opening deposit required.

There are two different ways to make deposits. A member can either make them on their own, or have them taken out of their savings or checking account automatically each month (if permitted by your employer).Save ahead and put the "happy" back into your holidays.

Check out our current rates...

Note: Fees may reduce earnings

IRA Accounts

Traditional IRA
Start saving today for that ever important time in your life.... Retirement Members may make regular deposits to an IRA up to the maximum permitted by law. With an Accumulation IRA, deposits may be made in person, up to the maximum amount the member is eligible to deposit. The dividends paid on IRAs are not fixed. The minimum opening deposit is only $5. We cannot give tax advice or advise you as to your eligibility for the IRA. Please see your tax adviser for this information prior to opening the account. Standard IRA Accounts pay quarterly dividend rates which are compounded daily when the account maintains a minimum $250.00 daily balance.

Check out our current rates...

Coverdell IRA Education Savings Account
Among the variety of IRA options available, Niagara's Choice offers the Coverdell Education Savings Account (formerly known as the Education IRA).

Who Can Contribute?

Anyone who has modified adjusted gross income:
  • Single filer up to $95,000
  • Joint income for filers up to $190,000
Some people with higher Modified Adjusted Gross Income may be able to make smaller contributions. Contributions not allowed after the beneficiary reaches 18 (except for 2002 and later years contributions allowed for special needs beneficiaries).

How much can I contribute?
$2,000 per child for 2003 and later years.

Limit applies to all Education IRAs (also known as the Coverdell Education Savings Account) for the same child. We cannot give tax advice or advise you as to your eligibility for the IRA. Please see your tax adviser for this information prior to opening the account.

Roth IRA

Now Niagara's Choice Credit members have the option of making contributions to a Roth IRA. The Roth IRA offers unique and exciting savings opportunities. Not only can it help with retirement needs, but also a first-time home purchase or other financial goals. This flexibility makes the Roth IRA appealing to many different age and income groups. Although it's not a one-size-fits-all solution, the Roth IRA will give many members an easy and safe way to plan for the future. For additional information, call to speak with a credit union representative; although we cannot give tax advice or advise you as to your eligibility for the IRA we will be happy to discuss the IRA options that may be available to you. Please consult your tax advisor for this information prior to opening an IRA Roth account. Roth IRA accounts pays quarterly dividend rates which are compounded daily when the account maintains a minimum $250.00 daily balance.

Check out our current rates...

Share Certificate Account (CD)
These term accounts give you a guaranteed higher rate of interest for a specific term: 3 months, 6 months, 12 months, 36 months, 48 months, or 60 months. There is a minimum deposit of $500. The rate in effect when you open your account is locked in until maturity. Dividends are compounded daily and paid quarterly on the average daily balance calculation method.

Check out our Certificate Rates...


Note: Fees may reduce earnings. There are penalties for early withdrawal.


Youth Accounts


Family members are never too young to become a member of the credit union!
  • Parents and grandparents can start to teach financial responsibility by making sure everyone in the family becomes a member and has at least a basic Share Account
  • Bring your children with you to visit the credit union
  • Ask for a quarter folder and encourage them to save with it. When they deposit a complete folder, we'll give them a reward
As our youth members grow up, we want to make sure they are prepared to meet financial responsibilities. With parental approval, the credit union is the best place for their financial firsts.
  • 1st Checking Account
  • 1st Debit or ATM Card
  • 1st Credit Card
And remember the youth benefits and services for our student members:
  • Annual Scholarship Awards ... Graduating high school seniors planning on attending college in the fall are eligible for credit union scholarship awards from Niagara's Choice, the Niagara credit union chapter and the Credit Union Association of New York ... all with one application.
Niagara's Choice FCU pays dividends on savings accounts to all minors on a quarterly basis regardless of the balance.

Note: Fees may reduce earnings. Checking accounts, and/or MasterCards require usual credit check and parent or guardian signature if applicant is under 18 years of age and without a credit history.


Vehicle Loans
Our excellent rates, terms and quick service will have you in your new vehicle in no time.

New Vehicles (Loan Amounts: $2500 - $60,000)
The credit union may lend up to 100% of any new vehicle price, plus taxes, license and warranty.

Used Vehicles (Loan Amounts: $2500 - $60,000)
The credit union may finance any used vehicle up to seven years old purchased from a dealer or a private party. We have NADA guides to help you purchase or sell your vehicle at a fair price.

Refinancing
Interested in cutting your monthly expenses? We may be able to help by refinancing your existing bank or dealership loan.


New and Used Boat Loans (Loan Amounts: $2500 - $60,000)
We have some of the lowest and most flexible rates around. The credit union may lend up to 100% of a new boat price, including taxes, license and filing. We also refinance other lenders' boat loans.

Motor Homes and RVs (Loan Amounts: $2500 - $60,000)
The credit union may lend you up to 100% of a new motor home price, including taxes, license and filing, and may finance any used motor home up to ten years old purchased from a dealer or a private party.

Motorcycle Loans
(Loan Amounts: $2500 - $60,000)
The credit union may lend up to the NADA retail value on used motorcycles. Refinance from another lender and you may be able to lower your monthly payment and save money.

Classic Cars
(Loan Amounts: $2500 - $60,000)
We can help you finance anything from a classic Model T to a classic 57 Chevy.

Personal Watercraft & Snowmobiles (Loan Amounts: $2500 - $60,000)
The credit union may lend you up to 100% of a snowmobile or personal watercraft price, including taxes, licensing and filing.


Check out our rates...


Mortgages
Whether you are a first time home buyer or looking to refinance an existing mortgage you'll find we can help you every step of the way. To set up an appointment with a Niagara's Choice mortgage professional call: 

Main Office (716) 284-4110 Ext 204 (Chris)
NT Office (716) 693-5140 Ext 251 (Cheryl)
Wheatfield Office (716) 923-1466, Ext 307 (Sharon)
Lockport Office (716) 434-4180, Ext 330 (Nora)
Niagara Falls Office (716) 434-4180, Ext Ext 304 (Joan)

Or you may apply on-line right now at: 
Click Here...

Niagara's Choice mortgages are made possible through a partnership with CUC Mortgage. To check current mortgage rates you may
V
isit Their Website...



Personal Loans (Loan Amounts: Up to $12,000)
Loans for any season, for just about any reason. Whether you have home improvement plans, an upcoming family wedding in the works, a dream vacation in mind a credit union personal loan is a cost effective and time saving way to meet you personal needs.

Credit union members are eligible to apply individually for unsecured Personal Loans up to $12,000.

Print an application...

Check out our rates...


Credit Cards


Niagara's Choice MasterCard
Our MasterCard rate is based on your credit history and starts as low as 8.9% APR.  You won't pay annual fees or huge transfer fees with this card, and your rate won't fluctuate with the weather.  Plus, with every purchase, you'll receive rewards points that can be exchanged for gifts and travel through the MasterCard SCORE program. 

Beware of other credit card offers that sound too good to be true.  They may offer a great introductory rate, but read the fine print. That rate could skyrocket to 30% or more if you make a late payment!  

Besides teaser rates, the large banks that make these offers can sell their credit card portfolios without notice to another financial institution, and you may have to pay rates even higher than before. In addition, cash advance fees, late payment fees and abuse fees are reaching record amounts.

With a credit union MasterCard, you know you’ll have a reasonable fixed rate with people who won’t take advantage of you. 

Niagara's Choice FCU is pleased now pleased to offer:

Online access to your MasterCard Account...

To access account information and make inquiries by phone call: 1-800-872-2965 To visit the Score Rewards program on-line catalog go to:
Score Rewards...

Sign up today for MasterCard's SecureCode at no cost. Enjoy added protection while shopping online by going to:

Secure Code and sign up today
Check out our current loan rates
To report a lost or stolen card


Former Niagara County's FCU MasterCards please call: 1-866-820-2965


Home Equity


Home Equity Line of Credit
Niagara's Choice Home Equity Lines of Credit can turn the equity in your home into an open ended line-of-credit. Up to 85% loan to value lines available.

There's no annual fee, and you have easy access to your line-of-credit whenever the need arises.

Interest paid may be deductible under current IRS regulations (subject to IRS restrictions; consult your tax advisor for full details). The Credit Union is currently paying all third party fees associated with this loan.  Other third party fees charged by the appraiser and title insurance companies are paid by the Credit Union.

Processing time from application to completion can range anywhere from 2 to 3 weeks.

To learn more about our great rate Home Equity product call to schedule an appointment with a Member Service Representative.

Check current rates...

Home Equity Fixed Rate Loan
Niagara's Choice Fixed Rate Home Equity Loan can turn the equity in your home into an closed-end loan. Borrow up to 85% of the equity in your home for up to 15 years with NO closing costs!

Use the loan for debt consolidation, home improvement, education or any good purpose.

And, the interest you pay may be deductible under current IRS regulations (subject to IRS restrictions; consult your tax advisor for full details).

To learn more about our Home Equity Fixed Rate Loan product call to schedule an appointment with a Member Service Representative.

Minimum loan amount: $5,000
Maximum loan amount: $150,000

The Home Equity Fixed Rate Loan Annual Percentage Rate is based on your credit score.


Check current rates...


Loan Calculator



Electronic Services


Mobile Banking
To make life a little easier for those on the go we have a mobile optimized version of our website for use with your smartphone and mobile devices.

Online Banking

Click here for Online Banking...

Online Bill Pay
Click here for Online Bill Pay...

Telephone Banking System

We provide
nearly 24 hour access to your credit union accounts. It's FREE and all you need are your member number and PIN.

Make account inquiries, transfer funds from one account to another, and make withdrawals from your Share or Share Draft account, all you need is a touch-tone phone and special access codes. You can enjoy the convenience of using a telephone to access your credit union accounts from home, work, and even if you are out of town.

Ever wonder what did I write this check for?  Suddenly find yourself concerned if a check might be returned for insufficient funds?  Want to make a loan payment while watching TV?  All this and more is right at your fingertips.

This  audio response system allows members to check balances, transfer funds, make payments, see what checks have cleared, and get year to date information. By choosing option 2, you can get information about the credit union's current rates and operating hours. To access the system call (716) 284-6747. 

To access your account enter your member number followed by the pound (#) sign. You will also need a pin number to access your account.  The first time you call, you will be instructed how to customize you pin.

Loan By Phone
Now you can enjoy the convenience of completing a credit union Loan Application nearly 24 hours a day using our Telephone Banking System. To access the system call (716) 284-6747. Enter your credit union member number followed by the pound (#) sign. You will also need a pin number to log into the system. The first time you call, you will be instructed how to customize you pin. To begin the loan application process press 6 and use the keypad on your phone to enter information when requested.

Wire Transfers
Niagara's Choice FCU accepts incoming wire-transfers at no charge. Outgoing wire-transfers are $15 for domestic transfers and $40 for international transfers. To initiate an outgoing wire transfer you will need to provide the credit union with the receiving financial institutions incoming wiring instructions. Contact the credit union for further details.

Direct Deposit
Enjoy the convenience of having your government, retirement and/or payroll checks deposited automatically to a credit union account. Best of all you can use any of the credit union's electronic account services (Home Teller or R-Oxy) to check when your deposit is available. Direct deposit will protect your money from the issuer right into your account providing a tremendous amount of peace of mind. Contact us by phone or in person to set up direct deposit.


Please Note: Check with your employer to determine if direct deposit is available. Not all employers offer this service.

Payroll Deduction
Payroll deduction is available for those members whose employers provide the option to have a portion of your payroll directed to multiple accounts or financial institutions. Please check with your employer to determine of they offer this service before contacting the credit union.

Automatic Payments

Credit Union Loan Payments
You'll never need to worry about making a payment on time. Plus, you can save time and enjoy the convenience of not having to write monthly checks or standing in line by establishing "Automatic Payments" for your credit union loans. You can choose to have your loan payments made monthly or bimonthly directly from one of your credit union accounts.
Third Party Payments (Utility Bills, Phone Bills, Insurance Premiums and etc.)
Avoid the hassle of writing monthly checks by setting up automatic payments to pay your bills. To set up recurring withdrawals you need to provide the vendor with the credit union's "ABA Routing Number" as well as your Account Number.

Note: Don't use the suffix 01 or 15. They are in-house codes and if used may cause delays. Niagara's Choice FCU Routing and Transit Number: 222381549. If at some future time you wish to cancel this service to a particular payee you will need to contact the payee directly. Once begun the credit union is unable to terminate this service.


ATM Locations


No Fee ATM Locations
All three of our branches offer no fee ATM transactions for members 24/7. These locations also provide a night drop box for deposits and credit union payments.
Non-members who use the machine will be charged a $1.50 transaction fee in addition to any surcharges by their own financial institution.

Other ATM Locations
The Niagara's Choice ATM card is honored worldwide at all Cirrus, Pulse and Co-Op ATM locations.  Please be aware that many ATM operators (not the credit union) impose certain fees for using their machines.  These are always clearly posted or indicated in the process of making a transaction.  It is the consumer's choice whether to pay these fees by using a specific machine. Niagara's Choice FCU ATM cardholders may process FOUR "Non CU Surcharge" transactions each month; each additional transaction is $1.50.The card can also be used at some retailers such as Big K (mart), Target, Walmart, Wegmans, Rite Aid, Tops Supermarkets and frequently for at the pump purchases at leading gas stations. These "at the register" transactions will also often permit a request for additional "CASH" back in addition to payment for purchases and do not incur transaction fees.


Insurance Services

Home and Auto and Long Term Care Insurance
Niagara's Choice FCU has established a strategic partnership with the EMS Group to bring you a variety of cost-saving insurance products and valuable information.

Scott Medole is our insurance specialist from the Emerling Agency. He has saved our members hundreds of dollars on their insurance needs over the last twenty years. He would be happy to help you determine whether you are paying to much for your existing coverage and point you in the right direction.

You can visit Scott at our Packard Road office without an appointment on Thursday afternoons. Or, you may schedule an appointment with him for other times to better suit your schedule... including appointments right at your home.

Call him directly at (716) 631-0190.

The EMS Group provides FREE quotes on home and auto insurance and is solely responsible for the products it represents.

Accidental Death & Dismemberment Insurance
 
Automatic coverage
Every member of the credit union is covered with no cost "Accidental Death & Dismemberment Insurance" coverage up to $2,000. Additional coverage is available at a cost.

Every member will also receive $4,000 of AD&D insurance from NILCO (National Income Life Insurance Company).  Spouses will receive $500 and each child $250. 

Contact a credit union Member Service Representative for details.

Payment Protection Insurance

Enjoy the peace of mind from Member's Choice Loan Insurance options:

Credit Life Insurance
Protect you estate in the event of death from having to meet the obligations of your loan/s. For a small fee, added onto the monthly payment amount over the term of a loan you can be sure that you financial commitments will be met if you are no longer able to do so.

Credit Disability Insurance
With credit disability insurance your loan payments will be made should you become temporarily disabled for more than 4 weeks. You must be out of work for more than 4 weeks to file a claim with a credit union representative.

Financial Planning Services



Jim Primiano
Want a brighter financial future?   The "Financial Guys" Jim Primiano, Mike Lomas and Glenn Wiggle are here to help. If you'd like to schedule an appointment with Jim at a time that suits your schedule, call him directly at (716) 633-1515.

You can also listen to Mike and Glenn on their radio talk show Saturday afternoons on WBEN-930 from 2pm - 3:30pm. According to Mike and Glenn they are different from most financial firms because they not only work with mutual funds, annuities and insurance, but also have full stock trading and stock research capabilities.  Theirs is a team approach.  Working with you, they will assess your wants, needs and risk tolerances, to formulate a plan just for you.

Please Note: Securities offered through NEXT Financial Group, Inc. Member NASD & SIPC, Not NCUSIF Insured, Not CU Guaranteed and May Lose Value

Money Saving Discounts
Delta Sonic Super Kiss Tickets for use at any Delta Sonic location. Price: $8.75 ea.
Regal Cinema Tickets: Contact Regal Cinemas for any restrictions on ticket use. Price: $7 ea. Budget Rent A Car of Buffalo: Offers a 10% discount to any member of the Niagara's Choice Federal Credit Union. For local rentals in Buffalo, visit www.budgetbuffalo.com and enter the discount code NCF10 for your 10% discount. For all rentals outside the Buffalo area, visit www.budget.com and enter the Budget Corporate Discount code Z939600.


Annual Member Events
Niagara's Choice Federal Credit Union holds its Annual Meeting each spring to report to members details of the credit union's financial and operating status. At this meeting, members also have the opportunity to direct the future of the credit union by electing fellow members to serve on the all-volunteer Board of Directors.  Each Board member serves for a two year term. In addition to the Annual Meeting, a delicious dinner is served and there are prize drawings.  Tickets go on sale at credit union offices at least one month prior to the event. All members and guests of members are invited.


Shared Service Centers



US NET - Access Your Accounts All Over the Nation with Shared Service Center Access
Niagara's Choice is a participating member of the National Shared Service Center Network - US Net.  Members of Niagara's Choice FCU are welcomed as visiting members at any of the more than 4,300 service center locations nationwide. When you’re away from home, you can look for the swirl logo that welcomes you to a Credit Union Service Center, or for a complete nationwide listing go to: http://www.universalsharing.com

At a Service Center, simply provide the member service representative with your account number and a valid photo ID.

Service Center Access for Members Visiting Niagara's Choice

Credit Union members from other participating credit unions are welcomed as visiting members at our both of our office locations. This unique cooperation between participating credit unions allows visiting members to make certain financial transactions just as if they were at their own credit union. Visiting members are welcome to make deposits and withdrawals from their own credit union accounts right at our teller stations.

Local Shared Service Centers include:

Buffalo

Buffalo
Metropolitan FCU
32 South Elmwood Avenue, Buffalo, NY 14202
Phone: 716-847-6960


The
Summit
FCU
2290 Delaware Avenue, Buffalo, NY 14216
Phone: 1-800-836-7328 X 8702 or 8761

The Summit FCU
642 Sheridan Dr,
Tonawanda, NY 14150
Phone: 1-800-836-7328

Cheektowaga

Financial Trust FCU

3333 Harlem Road, Cheektowaga, NY 14225 
Phone: 716-831-3007


East Amherst

The
Summit FCU

5641 Transit Road, Clarence, NY 14221
Phone: 1-800-836-7328 X 8708 or 8704

West Seneca

Financial Trust FCU
4257 Seneca Street, West Seneca, NY 14224 
Phone: 716-674-2197


Western New York
FCU
1937 Union Road, West Seneca, NY 14224 
Phone: (716) 674-3199

Notary Public Service
A number of the credit union's professional staff are notary publics and will be happy to assist you with notarizing documents when the need arises. No appointment is necessary and this service is free to all members.


Signature Guarantee
Certain documents and transactions require what is called a "Signature Guarantee." This service is similar to having documents notarized. You can visit the credit union's Main Office on Packard Rd if you need a "Signature Guarantee." This service is available to members upon request at no charge.


Printable Forms Library
Welcome to the credit union's resource page containing handy forms and applications you can print or download right to your desktop. Select a form by double clicking on it's title. If you have "Adobe Acrobat Reader" installed on your computer the file will automatically open. From the new window you can print it or save it to your hard drive by 'right-clicking' on the file name and selecting "Save Target As". If you do not have "Adobe Acrobat Reader" installed you can download from Adobe's website by clicking on the icon below. The program is free. After installing the program restart your browser and return to this page.  

  
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CU Documents
 Other CU Documents