SEFCU logo
Animation 28Animation 29Animation 27
SEFCU eClips
March 2007 

NewsBriefs
Branch
New Branch
Locations
The Empire State Plaza Branch has relocated to its new location on the Concourse.

The Vestal Branch will also be relocating. Plans are underway to move the branch to 101 Knight Road.

Soon we also be opening a branch in the Albany Housing Authority Building at 200 South Pearl Street in Albany. Be on the look out for more details!

"Transfer Funds" coming soon
Soon you will be able to transfer funds from your SEFCU OnLine account to another financial institution or even to a friend. Be on the look out for future SEFCU annoucements for the "Transfer Funds" service.
UAlbany

SEFCU Arena Events
NCA Cheerleading Saturday, March 17,
8:00 a.m. - 8:00 p.m.
Sunday, March 18,
8:00 a.m. - 8:00 p.m.
Relay for Life
Saturday, March 24,
4:00 p.m. - Sunday, March 25, 7:00 a.m.
  

Special Offers!
Skip the stress of tax preparation this year. TurboTax Online
Use this convenient service to prepare and file your 2006 Federal and State tax returns securely online at a great low price!
Get discounted tickets
SEFCU members can purchase discounted tickets to see "Hairspray" at Proctor's Theatre. ShowsHairspray are scheduled for 3/20 through 3/25. Visit or call Proctor's at 518-346-6204 to purchase tickets.
  

Free Seminars
SEFCU is committed
to helping members
meet their financial
goals by offering
free seminars
for everyone.

Click on a
seminar title below
for additional details
and directions:

Schedule

Tuesday, March 13
6:00 p.m. - 8:00 p.m.
Dora Maxwell Center, Albany

Tuesday, March 13
2:00 p.m. - 3:30 p.m.
4 Crescent Drive, Kirkwood

Wednesday, March 21
6:00 p.m. - 7:30 p.m.
Dora Maxwell Center, Albany

New York State Retirement Strategies
Wednesday, March 28
6:00 p.m. - 7:30 p.m.
Dora Maxwell Center, Albany


Each seminar is free and reservations are required. Reserve your seat today!
  

Financial Education
Topic: Home Buying
Home BuyingFew transactions are more complex than buying and selling a home. SEFCU helps you do it right by arming you with the knowledge you need. Below are some helpful articles to assist you through the process:

Step-by-Step Guide to Buying a Home

Renting vs Buying: Which Is Right for You?

Save Money by Avoiding Home-Buying Blunders

For a complete list of financial education articles, click here.
  

Cure winter cabin fever with a SEFCU
Person Repairing Roof Home Equity loan!
Have you spent the past few months cooped up, thinking about all the things you would like to do around the house? Good news! Spring is just around the corner and SEFCU can help you get the financing you need with low Home Equity Loan rates. Use the equity that you have earned in your home to get that new driveway, put in a pool, remodel the kitchen, replace the roof, or build the addition that you always wanted! Apply now to get a head start. Rates start as low as 5.25% APR

                            Apply Now



Looking for new ways to save money?Wallet of Money
With gas prices on the rise, the cost of owning a vehicle seems to increase every year. Do you want to pay less for gas? Now you can, by finding the cheapest gas in the area. Click here to search for the best gas prices in the area!

Looking for another way to save? Shop for insurance before spring arrives! Request a free insurance quote from SEFCU Insurance Group without even leaving your home!
                        Free Insurance Quote



Save even more with a SEFCU auto loan
Car Motorcycle Looking for a new vehicle with better gas mileage, or are you in the market for a new vehicle? SEFCU can help you save with our low auto loan rates! We offer a variety of auto loans to suit your needs and we even finance vehicles up to eleven model years old. We also offer the Auto Advantage Loan. Our Auto Advantage Loan program requires no upfront funds and allows you to choose an upgraded vehicle, while enjoying affordable payments. Best of all, you can even apply online. Get started today!
                             Aply Now for an Auto Loan



You could be the next winner!
TV Pize
Enroll in SEFCU eStatements and you could be the winner of a Toshiba TheaterWide 26” flat screen TV! When you choose eStatements you may access 12 months of account statements from any computer and best of all, your personal information is secure and there is no chance of it getting lost in the mail. To enroll in this convenient service, login to your SEFCU OnLine account and click on "eStatements" from the top menu bar.



Boy  With BackpackKids... not sure what you want to do when you grow up?
It's not easy to decide what you want to do for the rest of your life! If you are looking for ideas, visit Googolplex on sefcu.com. Googolplex offers many resources that can help you decide on your future career. Click here to visit the Googolplex "Finding your Dream Job" page.

College CapPlanning on attending college? Googolplex also provides several tips on saving for college. You can even use their College Savings Calculator and Map your future.


SEFCU OnLine users... did you know?
You can enroll your computer in Enhanced Security Login to avoid having to answer the two additional login questions. This can be done by clicking on "Member Options" from the top menu bar of your SEFCU OnLine SEFCU OnLineaccount. Then choose "Enhanced Security Login" and click on "Add Extra Security Protection to this computer".

You also can change your mailing address securely via your SEFCU OnLine account. To change your address, simply click on "Online Forms" from the top menu bar of your SEFCU OnLine account. Not a SEFCU OnLine user? Get started today!
                           Register for SEFCU OnLine




Plan now for the 2007 Tax Year!
Effective tax and investment planning is a year-long process and that's why it's important to begin planning for this year. Here are some things to consider... Couple Working on Taxes
  • Did you have to pay the Federal or State government for 2006?
  • Are you receiving a large refund this year?
  • Did you get married or have a wedding planned?
  • Is your spouse working?
  • Have you changed your employment status?
  • Have you purchased a new home?
Financial ServicesAt SEFCU our Financial Professionals* can assist you by reviewing your current situation and developing a personal investment plan focused on your individual goals and objectives. For more information or to set up an appointment, please call us at 518-862-1955 or 800-727-3328 (outside the 518 area code) or e-mail sefcu@uvestmail.com.

 Not NCUA Insured 
Not Credit Union Guaranteed
 May Lose Value 
Not Guaranteed by any Government Agency
Not a Credit Union Deposit

*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.
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.
  
NCUA & EHL Logos  SEFCU, Patroon Creek Corporate Center, 700 Patroon Creek Blvd,
 Albany NY, 12206 · 518-452-8183 · 800-727-3328 · www.sefcu.com
Annual Percentage Rate. Variable rates for home equity line of credit begin at 5.25% for the first year. Prime minus 0.50% thereafter. Prime rate is currently 8.25%. This rate applies to loans up to 80% Loan-to-Value (LTV), with a 25-year term. Other rates are dependent on LTV percentage. Title Insurance may be required. All loans are subject to creditworthiness. Rates as of March 5, 2007.