SEFCU


Branches now open... Schodack 89 Miller Rd. Syracuse 107 Simon Dr. (Midler Ave.) Troy 65 Vandenburgh Ave. Branches coming soon... Amherst Summer 2008 Niagara Falls Blvd. Amsterdam Late spring 2008 Route 30 Buffalo Summer 2008 598 Main St. at Chippewa Colonie Early summer 2008 40 Wolf Rd. Glenville Late spring 2008 Route 50-Price Chopper Plaza Win an Apple iPod! Access your monthly account statement online! Best of all, when you sign up for free SEFCU eStatements, you'll automatically be entered to win an Apple iPod. It's easy to sign up! Just log in to your SEFCU OnLine account and click the eStatement option from the top menu. Tax season is here! Skip the stress of tax preparation this season! Use TurboTax^® Online^SM to prepare and file your 2007 Federal and State returns right from your home computer. Teens and Credit Saturday, March 1 10:30 AM - 12:00 PM Dora Maxwell Center, Albany Long-term Care Insurance Wednesday, March 5 6:00 PM - 7:30 PM Dora Maxwell Center, Albany New York State Retirement: Rollover Options and Pension Strategies Tuesday, March 11 6:00 PM - 7:30 PM Dora Maxwell Center, Albany Business Seminar Series Financing and Insuring Your Small Business Tuesday, March 11 6:00 PM - 7:30 PM Vestal Branch, Vestal. Financing and Insuring Your Small Business** Wednesday, March 12 6:00 PM - 7:30 PM Dey’s Building Branch, Syracuse. Complete list of Seminars Change e-mail address Subscribe Unsubscribe Feedback	Bowl for Kids' Sake The SEFCU Foundation will once again support the Bowl for Kids’ Sake event this year. On March 30th, all funds raised will benefit Big Brothers Big Sisters of the Capital Region. The SEFCU Foundation has been one of the largest contributors to this event since 1993, raising over $90,000 for this worthy organization to date. Click here to learn about the SEFCU Foundation and for some great ways to get involved with your community! Now is the time to take out a Home Equity Line of Credit! You can access your home equity line of credit easier than ever before! SEFCU now offers an Equity Access Card in addition to checks, with no minimum transaction amount and a daily purchase limit of $5,000. Use your card to buy anything from new gutters to a theater system for your home and enjoy the flexibility of a credit card with the great rate of a home equity line of credit! If you’re ready to put the equity in your home to work for you, apply online for a home equity line of credit and request your free Home Equity Access Card today! Affordable peace of mind When buying a home or a car, insurance is not an option, it’s a necessity! So why not choose an insurance agency you can trust? With the recent acquisition of the Colonial Insurance Agency and its wholly owned subsidiary the Kenneth Fake Agency, SEFCU Insurance Agency has more services and locations than ever before! Stop by one of our 10 insurance offices or visit us online today to see how much you could be saving on your insurance! SEFCU Preferred Points coming soon for Visa^®credit cards! This March, Preferred Points will be expanding to include SEFCU Visa^® Credit Cards! Earn one point for every dollar spent with your credit card to use toward free stuff like airline tickets, brand name merchandise, gift cards, charities, and more! Accumulate Preferred Points faster because you can earn points on two cards at once, your SEFCU Check Card and your Visa credit card. Check your points balance and redeem them for freebies at any time, online or over the phone. Why not take a look at your account? You may have more points than you think! For more information about Preferred Points, click here. Freedom from debt is in your hands There is no overnight solution to getting out of debt, and sometimes a life without it seems so far away that it’s hard to commit to a plan. The first thing to do is make a conscious decision to reduce or eliminate your debt. Don’t be unrealistic, change your spending and savings habits in a practical way to slowly chip away at your debt. Keep close track of your spending and stick to a plan! It’s easy to revert back to old habits, but you will achieve success in the future when you stick to the plan and rid yourself of undue stress. Click here, to view our "Managing Your Credit" webcast and for other financial education webcasts! State-of-the-art safe deposit boxes available Keep important documents, like birth certificates and wills, secure with one of SEFCU’s state-of-the-art safe deposit boxes at our Patroon Creek, Wilton, and Midler branches. You can access the box without the assistance of a manager by using a biometric scanner anytime during branch hours. And, with boxes starting at just $50 per year, it’s a low cost convenience to protect your important valuables. Ask how to open your safe deposit box today!
SEFCU goes green! It’s easy to talk about protecting our environment, but actually doing something about it is another story. SEFCU has made the commitment to go green and we have a number of initiatives planned for 2008! This year all new SEFCU members will receive a reusable grocery bag with an energy efficient light bulb as well as some tips on how to live green. But that’s not all, check out our first round of initiatives! SEFCU forest To replenish natural resources and keep our air clean, SEFCU will be planting a tree for every existing member and for all new members in 2008 across New York State, totaling over 156,000 trees! Green loans To encourage our members to buy environmentally friendly cars, SEFCU is offering a ¼% rate reduction on specific eco-friendly vehicle loans. Click here for vehicles classified as SmartWay Elite in the EPA Green Vehicle Guide. Shredding days Save the environment and protect your personal information when you bring documents to one of SEFCU’s shredding days! Limited to two medium size boxes of paper to shred per member. Shredding days in March at select branches: Hoosick Street – March 1st · Glenmont – March 8th · Front Street – March 15th · Schodack – March 15th · Midler – March 22nd · Clifton Park – March 22nd · Patroon Creek – March 29th Look for more shredding days coming to a branch near you in May.
To ensure delivery to your inbox, please add sefcu@sefcu-info.com to your contact list. 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 Annual Percentage Rate. Rates for a Home Equity Line of Credit begin at 5.25% APR for the first year and are Prime minus 1% thereafter. This rate applies to loans up to an 80% Loan to Value(LTV) ratio with a 25 year term. APR is variable based on the Prime Rate published in the Wall Street Journal. Prime Rate as of February 15, 2008 is 6.0%. Interest and payments adjust annually with a 2% annual cap and a 14.9% lifetime cap. Annual rate floor is 5.0%. Other rates available are dependent upon LTV percentage. All loans are subject to creditworthiness. If the home equity line is discharged within 3 years of application, the closing costs paid on behalf of the borrower will be charged back and added to the pay off amount of the loan. Closing costs are estimated at $50-500. Rates are accurate as of February 15, 2008 and are subject to change at any time. Visit www.sefcu.com for membership eligibility. No purchase necessary to enter prize drawing. Drawing to be held the week of March 10, 2008. No substitution of cash for prizes is permitted. Entrants must be at least 18 years of age. SEFCU staff and their families are not eligible. One entry per member. **Annual Percentage Rate. Published rate applies to vehicle model years 2005-2008. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rate is accurate as of 02/14/2008 and is subject to change without notice.