We are keeping a close eye on the "Heartbleed" bug you may have heard about. The vendor we use for Online Banking has completed a preliminary assessment and has not discovered any vulnerability. We will be sure to keep you updated should anything to the contrary be discovered. Rest assured that we are doing everything we can to help ensure that your information is safe.

It is always a good practice to use unique passwords for all of the online services you access. If your GCF Online Banking password has also been used with a different service, we do recommend that you change your Online Banking password at this time.

If you currently utilize GCF’s online banking EXPRESS TRANSFER function to make your loan payments, this service will be temporarily unavailable from April 25, 2014 through June 9, 2014. As an alternative to this temporary inconvenience, you can do one of the following:

  • Contact 1-877-589-6600 ext. 320 or 368 between the hours of 9:00 a.m. and 5:00 p.m., Monday through Friday, to manually complete the transaction.
  • Mail a check to Investors Bank, 101 Wood Avenue South, Iselin, NJ 08830.
  • Sign up for GCF’s online bill payment system and set up a monthly payment to be sent to Investors Bank.

Fast Access

GCF Bank is now part of the Investors Bank family!

Tuesday, November 12, 2013

Edition #738

Today's Highlights:

Past issues of GCFlash:

November 5, 2013 Edition #737

October 29, 2013 Edition #736

October 22, 2013 Edition #735

October 15, 2013 Edition #734

Weekly Spotlight:

Give the gift that's always the right style, the right color, the right choice! A GCF Visa Gift Card is always the perfect gift for any occasion. Stop into any GCF branch to purchase a GCF Visa Gift Card for someone special on your holiday shopping list!

Our Current Rates:

For a listing of our current deposit and loan rates, click here.

Today's National Market Rates
November 12, 2013 6 Mo Ago
1 Yr Ago
5 Yrs Ago
Dow Jones Industrial Average
(Up 2,363.31 or 17.65% since 12/31/12)
15,750.67 (-0.21%) 15,091.68 12,815.08 8,282.66
S&P 500
(Up 341.50 or 23.94% since 12/31/12)
1,767.69 (-0.24%) 1,633.77 1,380.03 852.30
(Up 900.41 or 29.82% since 12/31/12)
3,919.92 (-0.13%) 3,438.79 2,904.25 1,499.21
10 Year Treasury Bond Yield 2.76% 1.92% 1.61% 3.66%
British Sterling 1.5905 1.5352 1.5894 1.5572
Euro 1.3436 1.2986 1.2710 1.2698

Back to top

1st Flash


There's a good chance you'll be brushing snow off your car after you finish reading this article. The calendar reads autumn, but it feels like winter outside.

Did you think you still had time to winterize your home? Nature can bring a reality check. But you're in luck. This front will quickly pass, with warming temperatures this weekend and opportunity to seal things up before the next storm hits.

We all check for the obvious... drafty window frames, leaky waterspouts and annual furnace maintenance.

But what about the things that you can't see? They can cause you trouble when you're least able to address it.

Like your gutters. Falling leaves don't automatically land in pretty piles on your lawn. They clog up your gutters, too. Rain or melting snow can back up when it can't pass through a dam of leaves, or turn to ice when the temperatures drop. You don't want to have to climb a ladder with the sleet pelting.

Water will find its own path. If it can't make it through the downspout, it may seep into your house.

Remove the leaf debris by hand or use a scraper, and rinse down good with a hose. This also gives you opportunity to spot leaks and misaligned pipes.

Trim nearby trees hanging near your roof, windows or driveway. Accumulated snow and ice can break even a large branch, damaging everything in its path.

Experts suggest changing the furnace filters monthly. That may not be often enough, particularly if you have a pet. Check your filter after running two weeks. If there's dirt built up already, it's time to change it. Reusable filters can be washed. Check it again ten days later. You'll know if more frequent filter changes are necessary by the amount of dirt collected.

Your furnace needs air to operate. A clogged filter blocks air flow, straining the unit to merely pump air through the system. It won't be able to struggle for long before resulting in a costly repair bill.

Ducts can be hidden behind walls or beams. But you should find some exposed in your attic, basement or crawlspace. Check them to repair places where they're pinched. Tape gaps with a metal-backed tape to prevent air escaping before it reaches your vents. Duct tape will work short-term, but doesn't last as long.

Ducts should be vacuumed out every few years to clean out dust, animal hair and other debris that can gather. If you haven't cleaned them lately, this could be the source of your respiratory problems.

Don't use your fireplace before having the chimney inspected. It doesn't have to be cleaned every year, but you do want a professional to confirm that Santa's pack wasn't missing a toy after last year's visit. A good protective cap with a screen should keep critters and other foreign objects out. If you have children in the house, make sure Santa has an alternate method of entry.

Here's a small tip that can save you big: Reverse your ceiling fan. Blades turning clockwise will push warm air downward rather than pull it up out of the room as you want during the hot summer months. Look up. If your fan is already turning clockwise, make a mental note to change it in the spring.

Unless you live in my neighborhood, you're not likely to use your air conditioner over the winter. Drain any pipes or hoses to prevent freezing. Clear any water in the drain pan. Use a plastic cover to keep water and snow out of the unit.

Now that everything is up to snuff, you can snuggle up in front of the fireplace with the family with the peace of mind that comes from knowing all is safe. Keep warm!

On The World Wide Web

Snow and ice will cover the road sooner than you expect. Learn these winter driving tips before you need them.

Advance planning is the key to Black Friday success. Preview the ads, find deals and sign up for alerts at this site.

Shopping online this holiday season? Don't miss the 25 Best Websites for Bargain Holiday Gifts according to Consumer Reports.

Back to top

2nd Flash

Black Thursday

Better plan on carving the turkey early on Thanksgiving Day. You'll barely have time to load the dishwasher before the rush begins.

No, not the rush to catch kickoff of the next game. With three games spanning into the night, there's no chance you'll miss seeing any football.

But for those of you who venture out in the wee hours of the morning to catch Black Friday sales, there's good news. You won't have to set your alarm this year.

Retailers have all sought to outdo one another in past years to lure in more customers. Each one advertising prices just below those of their competitors, each opening their doors one hour earlier than the other.

Macy's got the ball rolling this year by announcing they would open at 8 p.m. on Thanksgiving Day. No need to wait until midnight, folks. Get your special deals while the turkey is still warm!

Not a Macy's shopper? No worries! Target and J.C. Penney will open at the same time.

Before their doors open, you'll have time to visit Walmart and Best Buy. They'll both open at 6 p.m. on Thanksgiving night.

Kmart will have been open a full 12 hours by that time. They'll be the first to welcome holiday shoppers beginning at 6 a.m. Thanksgiving morning. Sears is waiting until 8 a.m.

Is it really worth it? Do the stores really see such strong sales that it's come to this?

Last year, Walmart's special deals began at 8 p.m. on Thanksgiving Day. Most of their stores are open 24-hours so their staffing is already in place. They reported processing almost 10 million transactions from 8 p.m. to midnight last year, 5,000 items per second. They sold more than 1.3 million televisions and will increase inventory by 65% this year.

Total spending Black Friday weekend was $59.1 billion according to the National Retail Federation. But it wasn't the busiest shopping day for all stores.

Saturday, December 22 was the single busiest shopping day in Best Buy. Target stores saw their busiest day Christmas Eve.

Black Friday shopping is a project in itself. No need to wait for store ads, most retailers already have their ads posted online at various Black Friday websites as well as their own website. You can search by store, category or item to learn where to find the best deals.

Make your list, plan your route and devise a strategy for making sure you get one of the limited-supply special price deals. Walmart guarantees 21 of their hottest items will be in stock the first hour of their Black Friday sale. If you're in their store and find the item sold out, purchase a Guarantee Card and the item will be shipped to your store before Christmas. Their website has details and the list of items eligible for this guarantee.

Thanksgiving was always my favorite holiday. Family gathered for no other purpose than to show appreciation for all they had. No gifts were exchanged, no fancy outfit to buy. It wasn't a religious holiday or federal observance. Just a chance to enjoy the company of loved ones, give thanks, eat, and watch parades. The hustle and bustle of the holiday season would begin soon enough.

Apparently it didn't begin soon enough for everyone. As for me, I'll be waiting for kickoff. Pass the pumpkin pie.

Tip of the Week

Winter weather brings a myriad of concerns; from storms to driving to winterizing your home. helps prepare you for whatever the season may bring.

Back to top


"Empty pockets never held anyone back. Only empty heads and empty hearts can do that." - Norman Vincent Peale

Today in History

1933 - First known picture of Loch Ness monster (or object thought to be) was taken.

Flash Fact

The winter of 1912 was so cold that Niagara Falls froze over.

Have a comment about something you read in GCFlash? Suggestions for future articles? Drop us an email!

Back to top


GCFlash is a weekly e-mail sent only to its listed customers and associates free of charge. GCFlash informs customers of special product offerings which may be of interest, current interest rates on both deposit and loan products, selected financial news and other financial tidbits. GCFlash is intended to supplement the more comprehensive information listed on the GCF Web site at


For a copy of our Privacy Policy, visit

GCF maintains your e-mail address in a confidential and secure database along with much of your other account information, such as mailing address and telephone number, etc. Before aggregating our e-mailing list each week, we filter out any duplicates. In most cases, this inhibits the unintended e-mailing of multiple copies of GCFlash to a single e-mail address. However, because these account records are kept by both individual and account, there is a chance members of the same household could each receive a copy of GCFlash or any other transmission at the same e- mail address - resulting in multiple copies. For example, a husband and wife that both have accounts with GCF may both receive a copy because the names are different but listed at the same e-mail address. This is similar to the manner in which each individual may share a common telephone number. To handle this situation, GCF recommends you simply delete any extra copies of GCFlash as this will ensure that ALL individuals receive any future promotional mailings, which might only be targeted or offered to specific accountholders meeting certain criteria. GCF has the capability to suppress customer e-mail addresses so they are omitted from our transmission list. If you would rather have a specific household member's e-mail address suppressed in our electronic database, simply send us a reply, as stated below, and indicate the accountholder for which you would like to have e-mail suppressed. Please keep in mind that this suppression will mean that NO future e-mails are sent, including special promotional offers. If you have any questions about this process or need additional information, please contact us at

If you would like to be removed from this electronic mailing list, click this link to send us an email to unsubscribe. Please note, removing your name from our electronic mailing list means GCF will send NO FUTURE NEWS or SPECIAL OFFERS.

GCF Bank
381 Egg Harbor Road
Sewell, NJ 08080
(856) 589-6600