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Bank Where You Own The Place
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March 2006
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NewsBriefs
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Financial Education
 Did you know that you can access financial information on sefcu.com? View articles and tips from car buying to saving for college.
Deposit Insurance
This year, a new law affects share insurance provided to SEFCU by the NCUA. For most individual accounts, the current maximum of $100,000 will remain the same, but coverage on retirement accounts, such as IRAs will increase. Click here for more details.
 Surcharge free ATMs
Use your SEFCU Visa® Check Card at over 32,000 ATM's nationwide, surcharge free! The no-surcharge savings can be as much as $2.50 per transaction.
Click here to learn more about the AllpointTM network, and learn ATM Safety tips.
Free Tax tips
 Looking for tax tips and how to get the most deductions possible? The experts at TurboTax® offer free tips available to everyone, whether you choose to file your taxes online or not. You'll find advice on tax-saving strategies, preparing your returns, and much more.
Washington Avenue branch extends hours
Effective March 13th, SEFCU's Washington Ave. lobby will open one hour earlier at 8:00 a.m. on weekdays. Click here for branch hours & locations.
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Upcoming Seminars
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SEFCU is commited to helping members meet their financial goals by offering free seminars*. Click the seminar
title for details and directions:
*Reservations are required.
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Scam Alert #12
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Don't be fooled by fake credit report sites.
You may have seen Web sites or received unsolicited e-mails offering free credit reports. Be aware that some of these online sources may not provide credit reports, but may be using fake sites as a way to capture your personal bank account information or Social Security Numbers. Click here¹ to learn what to  look for.
We've developed a series of Scam Alerts so you know what to be on the look out for, and provide advice on how to prevent a scam from impacting you.
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Grab a great home equity rate!
Let SEFCU help you to utilize your home's potential and pay for all the things you've been wanting to do:
- Remodel your kitchen
- Buy a new car
- Landscape the yard
- Take that dream vacation
Apply today and grab yourself a great rate on a home equity line of credit from SEFCU. Rates start as low as 4.99% APR †!
Get Property & Casualty insurance from SEFCU
 Comparing and buying insurance doesn't have to be difficult — let us make it easy for you! SEFCU Insurance Group, offers one-stop shopping for life, homeowners, renters, auto, motorcycle, boat and RV, and excess liability (umbrella) insurance.
Contact our licensed insurance professionals at SEFCU Insurance Group. For a free, no obligation quote, call 518-451-2900 or toll free 866-733-2880 x2900 (outside the 518 area code) before you pay your next premium or apply for your next car loan!
e stands for easy with SEFCU eStatements
Did you know you can receive your monthly account statement from SEFCU electronically? If you are enrolled in SEFCU OnLine, our free Internet banking service, you can also choose SEFCU eStatements, which lets you view, print, and download your statement right from your home computer just four days after the end of the month – for free!
To enroll in SEFCU eStatements, log on to SEFCU OnLine and click the eStatements option from the top menu bar.
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Your chance to win is easy!
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It's that easy!
Best of all, if you enroll in eStatements before May 31st, you'll be entered to win* a $300 CompUSA Gift Card.
*Random drawing will be held the week of June 12th from all eStatement registrants who have enrolled in the previous three months. SEFCU employees and their immediate families are not eligible. Cash equivalent not available.
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Spring into action with a SEFCU vehicle loan
 With spring just around the corner, SEFCU can help you get financing to purchase the vehicle you need. Whether you require an SUV or motorcycle, enjoy low rates on terms up to 72 months for model years 2003-2006. Apply online today and get a response in just minutes!
Think a used car or boat is more in your price range? Our used vehicle loans
apply to model years 1995-2002. And don't forget to check out SEFCU vehicles & property for sale, found at sefcu.com.
Free Checking - we mean really FREE!
Take full advantage of your SEFCU membership and open a really Free Checking account.
Enjoy no monthly service or per check charges, and receive 40 complimentary checks. There is no minimum balance requirement and you will even earn dividends on balances of $250 or more!
When you open your checking account, request a
SEFCU Visa® Check Card.
With this card, paying for purchases is easy – you don't need to write a check or carry cash! Use your Check Card at restaurants, retailers, or any place that accepts Visa. Purchases will be debited directly from your checking account and each transaction will appear on your monthly statement. Plus, your check card doubles as an ATM card, allowing you to get cash at ATMs nationwide. Stop paying high bank fees and open your free checking account at any
SEFCU branch!
First time home buyer? Achieve your dream  with SEFCU's new HLPR Mortgage
 With the average single-family home price on the rise, there's no question why many people are having difficulty making the move from renter to homeowner. Our Home Loan Payment Relief (HLPR) Mortgage, pronounced "helper", provides first-time homebuyers the opportunity to qualify for a larger mortgage with a low, adjustable rate. Learn more.
Get the investment advice you need at SEFCU
 You work hard for your income. Why not let SEFCU help it work for you? Check out our Investment Center to learn about the savings and investment opportunities we can offer you and your family through our partnership with UVEST Financial Services*. And remember, our Investment Representatives are always here to answer your questions and help you create a financial plan that suits your goals. Call us at 518-862-1955, or e-mail sefcu@uvestmail.com – and partner with SEFCU to build your solid financial future.
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Not NCUA Insured | Not Credit Union Guaranteed | May Lose
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Not Guaranteed by any Government Agency | Not a Credit Union Deposit |
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*Securities are offered by, and Investment Consultants are registered with, UVEST Financial Services, member NASD/SIPC. UVEST is independent of any financial institution. UVEST and SEFCU are independent entities.
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To ensure delivery to your inbox, please add sefcu@sefcu-info.com to your contact list. |
¹ To download Adobe Acrobat Reader,
click here.
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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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