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Bank Where You Own The Place
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November 2005
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NewsBriefs
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Celebrate SEFCU Member Night with the
River Rats
Purchase discounted tickets to watch the Albany River Rats take on the Bridgeport Sound Tigers at the Pepsi Arena in Albany on Saturday, November 5th. Adult tickets are $12 (regularly $16) and children's tickets are $8 (regularly $11). Click here¹ to download an order form.
Keep your community warm this winter
SEFCU's Binghamton area branches are now collecting gloves, hats, scarves, and new socks to donate to local charities to help keep our neighbors warm this winter. Stop by the Vestal or Kirkwood branch to drop off your donation.
Holiday
Closings
All SEFCU branches and the Call Center will be closed on:
Veterans Day
Friday, November 11
Thanksgiving Day
Thursday, November 24
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Free Seminars
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Click the seminar
title for details and directions:
*Reservations are required.
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Member News
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Congratulations to Brandon Buck of Kirkwood for winning the eStatements drawing* for members who enrolled and activated SEFCU eStatements in September.
Enroll today
and get your account statements online with SEFCU's free  eStatements, 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.
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SEFCU launches new and enhanced website

Have you visted
sefcu.com
lately? You'll notice our new site has improved navigation to help you get the information you need! Some new features include more comprehensive Investment and Insurance Centers, quick links to rates, and a friendly ATM/Branch search locator. We hope you enjoy the new site and welcome your
comments.
No Strings, Tricks or Gimmicks...
Just Great Rates!
Unlike banks in the area, when we offer a great Share Certificate rate – there’s no strings attached! Sure, we’d like you to have your checking account at SEFCU, but it’s not required to enjoy this great offer – all it takes is $500 to open the account –
it’s that easy! To take advantage of this great offer today, stop by any
branch location, or call us at 518-452-8183 or 800-727-3328.
*Annual Percentage Yield. Early withdrawal penalties may apply. Withdrawal of dividends prior to maturity will reduce earnings. $500 minimum to open. Rates current as of 11/01/2005 and are subject to change without notice.
Help feed a family this Thanksgiving

Once again, the
SEFCU Foundation is helping to support the Equinox Thanksgiving Day Community Dinner by selling $1 paper turkeys at all Capital Region branches. Last year, thanks to your generous donations, Equinox was able to provide over 7,500 Thanksgiving dinners to those in need. We hope to assist Equinox in feeding more families this year!
We are also collecting food goods for CHOW (Community Hunger Outreach Warehouse) in the Binghamton area. Donations of non-perishable food items can be made at any Binghamton branch location.
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Need a gift for the holidays? Let SEFCU help!
American Express gift cards...

What’s the one gift you can give that’s suitable for anyone — from your niece to your assistant — and everyone in between? Give them what they really want and purchase an
American Express Gift Card
at SEFCU. Accepted at millions of retailers and restaurants in the U.S. that welcome American Express, your family and friends can purchase anything from sushi to sporting goods with prepaid card amounts ranging from $25 to $500.
Click here for more details.
2006 Entertainment® Books...
These discount books make great gifts for that special someone, or buy one for yourself and save throughout 2006! Capital Region Entertainment Books are $30, Syracuse books are $25, and Binghamton books are $21. Books may be purchased at any
branch location. Proceeds benefit the SEFCU Foundation.
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 SEFCU Checking account at any
SEFCU branch!
Protect yourself when donating online
Donating online is a convenient way that you can lend a hand. Unfortunately, it’s also a simple way for scammers to divert your money to them. Click here¹ to learn how to protect yourself.
 Almost every day you hear about a new scam affecting Americans nationwide. SEFCU is committed to helping you stay informed about current scams so you will have the knowledge to protect yourself and your family.
Learn more.
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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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