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Bank Where You Own The Place February 2006

NewsBriefs
HouseHome Show
The Great Northeast Home Show will take place February 10-12 at the Empire State Plaza and Pepsi Arena in Albany. The show provides the convenience of finding all your home renovating, decorating and financial needs in one place. Don't forget to visit SEFCU's booth! Click here for details.

Visa® Foreign Transaction Notice
The International Service Assessment (ISA) fee will now appear separately on account statements for all foreign Visa transactions. Click here to learn more.

Binghamton SenatorsBinghamton Senators Hockey
Discounted tickets are available to see the Senators take on regional rivals...the Syracuse Crunch, February 19th. Just show proof of your SEFCU membership at the Senators box office.

Holiday Closings
All SEFCU branches and the Call Center will be closed on Monday, February 20, in observance of President's Day.
  

Free Seminars*
Click the seminar title for details and directions:

Long Term Care Insurance
Wednesday, February 15
1:00 p.m. - 2:30 p.m.
SEFCU’s Kirkwood Branch


Electronic Banking
Thursday, February 16
6:00 p.m. - 7:30 p.m.
Dora Maxwell Center, Albany


Tax Efficient Strategies
Tuesday, February 28
6:00 p.m. - 7:30 p.m.
Dora Maxwell Center, Albany


*Reservations are required.
  

Member News
Congratulations to Andrew MasinoSEFCU Members of Albany, winner of the drawing* for members who enrolled and activated SEFCU eStatements in December.

Enroll today and get your account statements online with SEFCU's free BondseStatements, and be entered to win a $200 savings bond*.
*Monthly random drawings are held on approximately the 5th of the month from all eStatements registrants who have activated the service in the previous month. SEFCU employees and their immediate families are not eligible. Members must be at least 18 years of age to win. Cash equivalent for monthly prize is not available.
  

TurobTax OnlineSEFCU offers TurboTax® OnlineSM
Tax season is here, and SEFCU's offering an easy way to do your taxes and get your refund fast with TurboTax Online! Just like banking on the web, doing your taxes online is easy, accurate, fast and secure. If you're wondering how you could save more on your taxes this year...TurboTax also offers free tax-saving strategies. You can confidently file your taxes with TurboTax Online to get the biggest refund possible! Click here to begin.


Attention SEFCU members who use PayPal
Couple at ComputerRecent phishing scams have been targeting PayPal® customers. The scam begins when you receive a fraudulent e-mail seemingly from PayPal, urging you to click a link within the e-mail to update your billing information. The link points to a bogus site that is cleverly disguised to resemble a real PayPal Login page. Victims who log in to this fake web page are asked to provide personal information including credit card and account numbers. Don't get scammed, click here to learn more.



Consolidate holiday debt with SEFCU and save
If the growing stack of high-interest credit card bills is an unwelcome reminder of your holidays, consolidate your debt and save with SEFCU's low rates!House on dollars

Use your home’s equity
Whether you prefer access to money whenever you need it, or just one lump sum, SEFCU’s home equity products can turn those big monthly credit card bills into one, low payment. Choose a home equity line of credit and have ready cash at your fingertips — anytime, anywhere. Access funds for up to ten years and enjoy variable rates. Or, get a one-time cash disbursement with SEFCU’s fixed rate home equity loan.
Don’t own your own home?
No problem.


SEFCU’s unsecured personal loan is another great option for consolidating debt. Borrow as little as $500 up to $15,000. Terms range from 12 to 60 months. Apply for your loan online! The application process is simple and you’ll receive a response in just minutes. Or apply by phone at 518-452-8183 or 800-727-3327.



Tax FormsGet free help for your tax returns
SEFCU and the Build Your Money Coalitions of the Capital Region & Schenectady County are sponsoring programs where you may be eligible to have your taxes prepared for free! Volunteer Income Tax Assistance (VITA) staff will help you complete and file your taxes electronically. Click here¹ for details and locations. For more information on VITA sites near you, visit www.irs.gov.



BillsReason #257 to use SEFCU OnLine:
Pay your bills without writing a check!
Take the hassle out of paying bills with SEFCU's online bill pay service, SEFCU iPay.

SEFCU iPay enables you to choose who you pay, from the electric company to your paper carrier. Payments are directly debited from your SEFCU checking account. It’s easy to enroll in SEFCU iPay, simply log on to SEFCU OnLine, then click the Payment Center option from the top menu, and complete the online enrollment form.


SEFCU opens new branch in Glenmont
Glenmont BranchSEFCU recently opened the doors to its newest full-service branch located in the Town Squire Plaza at the corners of Route 9W and Glenmont Road in Glenmont (behind Chili’s). The 3,800 square foot branch includes two ATMs, two drive-thru lanes, and Saturday hours. The Glenmont location is the 17th SEFCU Branch, and one of several new building projects planned in the upcoming year.



Kids can learn about money with Smart Sense
Through fun, educational sources like Googolplex, SEFCU helps our youngest members establish healthy financial habits by encouraging responsible saving and spending.

Free checking account...
With a Smart Sense account, responsible members, 14 and older, can open a free SEFCU checking account Kids at Computerwith debit card, and they'll learn how to manage a checking account.

Cool stuff for kids...
Smart Sense members can enter to win an iPod or a $100 Toys R Us gift certificate. Click here¹ to print an entry form.
To ensure delivery to your inbox, please add sefcu@sefcu-info.com to your contact list.

¹ To download Adobe Acrobat Reader, click here.
NOTE: SEFCU does not sell or share your e-mail address with any third party. Our opt-in program is simply our way of providing members and other interested individuals the most up-to-date information about SEFCU. Privacy statement. To stop receiving future e-mail notifications, unsubscribe here.
  
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 SEFCU, Patroon Creek Corporate Center, 700 Patroon Creek Blvd,      
 Albany NY, 12206 · 518-452-8183 · 800-727-3328 · www.sefcu.com