In the market for a new car? SEFCU's new
car loan program requires no upfront funds
and allows you to choose an upgraded
vehicle, while enjoying affordable monthly
payments. It's like a lease, only better!
Instead of being locked into a lease,
Auto Advantage gives you the option to terminate your loan at anytime without penalty, simply by paying it off. More...

Don't forget to use our CarBuilder site to build your vehicle online, determine your monthly payment, then compare the cost of the Auto Advantage to a conventional loan.

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As you know, gas prices are again nearing record highs. Click here to help locate the least expensive fuel in your area.

Now more than ever is the time to practice fuel efficient driving techniques such as driving at lower and consistent speeds, avoiding excessive idling, and keeping up with regular maintenance. You also might want to consider carpooling to work, consolidating errands, or buying a more fuel efficient vehicle.

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Spending your tax refund...

Are you among the millions of Americans who received a tax refund this year? If so, consider how you should spend that refund check you received. It might also be a good time to adjust your Tax Withholding Allowances. Click here¹ for tips on how to spend your tax refund wisely, provided by Financial Finesse.

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We've built the most convenient home loan service ever, SEFCU’s Click@Home! Now you can get your mortgage credit-approved in minutes, rather than days or weeks. Even if you don’t plan on applying anytime soon, use the site as your home buying resource, with answers to your most frequently asked questions. For added convenience, you'll be able to save your application and come back to finish it later! Visit the site and sign up for Rate Watch to receive e-mail notices about certain mortgage products or when a rate reaches a certain level. Check it out!

If you're in the market for a new car, or need a lot of cash for a big ticket purchase, let SEFCU help with the best rates in town. We offer competitive auto loan rates starting as low as 4.69%* for new vehicles. Or, let SEFCU help you utilize your home's potential to pay for that new fence, wedding, or dream vacation with a Home Equity Line of Credit. At SEFCU, we can help make your plans a reality.

*Annual Percentage Rate. Published rate applies to vehicle model years 2003-2006, 24 month term. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rate accurate as of May 1, 2006.

If you’re looking for a cost-effective, reliable way to protect your loved ones, SEFCU’s term life insurance may be just right for your needs. Just as its name implies, a "term" policy provides a death benefit for a specific period of time,

Get Term Life insurance for as little as $0.29 a day! View our premiums.

and the annual premium is guaranteed not to increase over the term. Perhaps you want coverage until your children graduate from college, or until you have paid off a significant debt, such as your mortgage or car loan. To learn more, call your SEFCU insurance professionals at 518-862-1955 or 800-727-3328 (outside the 518 area code) between the hours of 8:30 a.m. - 4:30 p.m., or e-mail agent@sefcuinsurance.com.

To reach your savings goal, you’ll want to save consistently. Saving should become a habit, and a good way to get in the saving habit is to pay yourself first, even before you pay your bills! One way you can do this is to have your payroll funds directly deposited into your SEFCU account. Just let us know how much you’d like deposited in each of your accounts, and we’ll distribute the funds accordingly. Check with your employer to see if they offer direct deposit, and remember to use our dividends calculator² to determine what savings option is best for you.