Whether you have a toddler, middle
school student, or teenager, SEFCU's
new Smart Sense account will meet their
financial needs every step of the way to
adulthood. This new account teaches children to
save and manage their money. Additionally, when
a child reaches age 14, he or she can open a Smart Sense checking account, and have the option to add a debit card, with a parent/guardian as joint owner. Learn more about all the account benefits, and how to open a Smart Sense account for your child today!

The cold winter months are upon us, and with heating costs on the rise you might be thinking about what you can do to lower your heating and electric bills this year. Click here¹ for some simple home heating tips that will help stretch your dollars even farther!

Energy Smart Loans...
SEFCU, in conjunction with NYSERDA (New York State Energy Research and Development Authority) offers a significant interest rate reduction (up to 4%) for home improvement projects that increase energy efficiency.
Click here to learn more and to apply for your Energy Smart Loan today!

---

If your high school senior has a SEFCU account and is planning to attend a two- or four-year college next fall, tell them about scholarships available through SEFCU and the New York State Credit Union League (NYSCUL). Students who are the primary members on a SEFCU account can apply for several $500 and $1,000 awards from NYSCUL, and Smart Sense members are eligible for one of thirteen $500 awards or one of three $1,000 scholarships from SEFCU. Request and application packet by calling 518-464-5326 or 866-733-2880 x5326. Click here for further details.

---

Each year, SEFCU management and staff become the Foundation's very own version of Santa's elves - shopping, wrapping, and delivering hundreds of gifts to children in all of SEFCU's service areas. From children at local group homes to those spending the holidays in crisis shelters, the holidays are brightened by the gifts and parties that make up the Foundation's Holiday Sharing Program. You can help too! Click here¹ to print out a donation form for SEFCU's Holiday Sharing Program.

Adopt a family...
Wondering how you can make the holidays brighter for someone less fortunate? There are more than 130 families waiting to be adopted in Albany County. For more information, or to adopt a family, contact Marylouise Reilly at 518-447-7505.

These discount books make great gifts for that special someone, or buy one for yourself and save throughout the year! Capital Region Entertainment Books are $30, Syracuse books are $25, and Binghamton books are $21 and may be purchased at any branch location. Proceeds benefit the SEFCU Foundation.

We’re celebrating the grand re-opening of the newly redesigned SEFCU Banking Center, located in the Broome Developmental Center Lobby, December 5-9! Stop by during the week and check out the new features including:

An online kiosk for SEFCU OnLine access to your account

Direct access to Call Center representatives

A cash dispensing ATM

Choose to have your paycheck directly deposited into a new SEFCU checking account and get a free gift. And, you can enter to win a $250 Target Gift Card! More details¹.