Thank you Serving school employees and their families since

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Thank you Serving school employees and their families since Powered By Docstoc
					                                                                            Serving school employees and their families since 1936.                                                                                March 2012

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‘Drive Home $100’ when you refinance your auto loan with us                                                                                                                 Why Pay More?                                       APRs
                                                                                                                                                                                                                                as low as:

                                                                                                                                                                           NEW & USED AUTO LOANS
   YOU WOULDN’T THINK TWICE about refinancing your home                                                                                                                        Three-year maximum term

   to get a better deal. Why hang on to an overpriced auto loan?                                                                                                              100% FinAncing:
                                                                                                                                                                               Five-year maximum term
                                                                                                                                                                              80% FinAncing:                                           2.99%
We can refinance it for you and put money back in your                                                                                                                        100% FinAncing:                                          3.24%
                                                                                                                                             Newsbriefs                        Seven-year maximum term
pocket right away, beginning with our Drive Home $100                                                                                                                         80% FinAncing:                                           3.74%
bonus. Simply make the smart decision to save money                                                                                                                           100% FinAncing:                                          3.99%
with an auto loan refinance (or new or used auto loan),                                                                            Cash for Summer                            All 100% financing includes an optional $1,000 extra for tax

and we’ll deposit $100 to your savings account.                                                                                    Classes                                    and licensing.
                                                                                                                                                                              Hybrid cars may be eligible for an additional .50% discount. Call
                                                                                                                                                                              for details.
Refinancing pays because even a small reduction in                                                                                 Picking up some continu-
                                                                                                                                   ing education credits this              PERSONAL LOANS
your auto loan’s rate can make a big difference over
                                                                                                                                                                               Member First
time. And with loans for new and used cars starting at                                                                             summer? Apply now for                      $500 to $10,000: FiVe yeArS                              5.75%
just 1.99% APR* (1.49% APR for qualifying hybrids), the                                                                            a Member First Personal                     Worry-Free
savings really add up.                                                                                                             Loan starting at 5.75%                     uP to $5,000: one yeAr                                   2.99%
                                                                                                                                   APR*. Just your signature               EDUCATION LOANS
                                                  Why refinance now?                                                               lets you borrow up to                       Professional Certification
                                                                                                                                                                               or Advanced Education Degree
                                                                                                                                   $10,000 with five years to
                                                  Maybe your credit score is                                                       repay. ((123166))
                                                                                                                                                                              uP to $15,000: FiVe yeArS

                                                  better than it was when you                                                      *APR = Annual Percentage Rate.
                                                                                                                                                                              uP to $2,500: three yeArS                                7.49%
                                                                                                                                                                           HOME EqUITY                                                 4.75%
                                                  took out your original loan.                                                                                                                                           3.95% APR
                                                                                                                                                                           VISA CREDIT CARD
                                                                                                                                                                                                                        balance transfers
Or you might be looking for friendlier terms (including                                                                                                                       VAriAble rAte                            7.20% or 9.20%
our popular Skip-a-Payment option). Cutting your rate                                                                                                                         APR=Annual Percentage Rate. Rates are effective as of the
                                                                                                                                                                              mailing date. All APRs are subject to change without notice and,
by just 2% could save you $600 or more on a three-year                                                                                                                        except for our variable-rate Visa, reflect a .50% discount for
                                                                                                                                                                              automated repayment. For current rate information, call us or click
$20,000 loan.                                                                                                                         Coming                                  the links above. Your personal credit history will determine the
                                                                                                                                                                              rate for which you may qualify. Example: If you borrow $20,000
                                                                                                                                       soon                                   at 1.99% APR for three years, your monthly payment would be
We’ll crunch the numbers for you – no obligation. Call                                                                                                                        $572.76 for a principal and interest total of $20,619.51.

1-888-628-4010 and mention “Promo code: DRIVE” to get
your Drive Home $100 bonus! ((164476))
                                                                                                                                   Freedom …                                      Anticipated Dividends
* APR = Annual Percentage Rate. All quoted rates include a 0.50% discount for repayment by direct deposit or payroll
                                                                                                                                   to Go Anywhere!                            Computed Daily, Compounded and Paid Quarterly
                                                                                                                                                                                                                    CURRENT RATE APY
  deduction. The 1.99% rate shown is for a three-year term. Additional rates and terms are available, including auto loans
  up to five years at 2.99% – 8.49% APR and up to seven years at 3.74% – 9.49% APR. Loans for qualifying hybrids receive
                                                                                                                                   Still don’t have a credit                 Accounts with Direct Deposit/Payroll Deduction
                                                                                                                                                                             & e-Statements
  an additional 0.50% discount, with rates starting as low as 1.49% APR. (Call us to see if the vehicle you’re interested in       union Visa? Apply now so                SAVINGS ACCOUNTS
  qualifies for the hybrid discount.) Current School Employees Credit Union auto loans are not eligible for refinancing
  at promotional rates. Your personal credit history will determine the rate for which you may qualify. Example: If you            you can take advantage of                  For bAlAnceS uP to $500.00                 7.50% 7.71%✝ ✝
  borrow $20,000 at 1.99% APR for three years, your monthly payment would be $572.76 for a principal and interest total
  of $20,619.51. Rates are subject to change and are effective as of Feb. 14, 2012. Fees may be charged by other financial         our special 2.95% APR*                     For bAlAnceS $500.01 And oVer               .30% .30%✝
  institutions, dealers, or the Department of Licensing, and those fees may be added to the loan; there are no loan fees
  charged by School Employees Credit Union. The Drive Home $100 bonus is available for refinances from other lenders and
                                                                                                                                   reward rate for select                    Accounts without Direct Deposit/Payroll Deduction and e-Statements will
                                                                                                                                                                             earn a current rate of .30% and .30% APY on any account balance.
  for new and used auto loans of $5,000 or more. The bonus will be deposited to the borrower’s primary savings account             travel purchases made                     Accounts with Direct Deposit/Payroll Deduction
  at the end of the month in which the loan funds. This offer may be discontinued without notice.                                                                            & e-Statements
                                                                                                                                   April 15 through August                 CHECKING ACCOUNTS
                                                                                                                                   31, 2012. ((128145))                                                                  7.50% 7.71%✝
HURRY!                                                                                                                             *APR = Annual Percentage Rate.
                                                                                                                                                                              For bAlAnceS uP to $500.00

                                                                                                                                                                              For bAlAnceS $500.01 And oVer               .10% .10%✝
3.95% APR* ‘Drab-to-Fab’ Visa                                                                         ®                                                                      Accounts without Direct Deposit/Payroll Deduction and e-Statements will
                                                                                                                                                                             earn a current rate of .10% and .10% APY on any account balance.

balance-transfer special ends soon                                                                                                                                         COVERDELL
                                                                                                                                                                           EDUCATION SAVINGS 2.00% 2.02%
                                                                                                                                                                           TRADITIONAL IRA    .75% .75%
IF YOU STILL HAVEN’T jumped on our 3.95% APR “Drab-to-
                                                                                                                                                                           ROTH IRA           .75% .75%
Fab” Visa balance-transfer special, time is running out! You                                                                                                                Rates and yields may change at any time at the discretion of the Credit
have until March 15 to lock in that low rate for two years                                                                                                                  Union’s Board of Directors. The annual percentage yield (APY) is ac-
                                                                                                                                                                            curate as of the last dividend declaration date. No minimum balance is
                     on all balances you transfer to your                                                                                                                   required to earn the APY shown above. Fees or other conditions may
                                                                                                                                                                            reduce the earnings of the account. A $5 deposit is required to open
                     credit union Visa. With credit lines                                                                                                                   a savings account and maintain membership. $50 is required to open
                                                                                                                                                                            a checking account.

                     available to $20,000, you can erase
                                                                                                                                      Thank you
                                                                                                                                                                          ✝ APY = Annual Percentage Yield. All members who make recurring
                                                                                                                                                                            monthly direct or payroll deduction deposits to their savings account
                     debt like never before! ((177489))                                                                                                                     or checking account and receive e-Statements for those accounts will
                                                                                                                                                                            earn 7.71% APY on any amount up to $500 in their savings account
                                                                                                                                                                            and 7.71% APY on any amount up to $500 in their checking account.
                     If you already have a credit union                                                                             for making Washington                   For amounts over that, they’ll continue to earn the credit union’s regu-
                                                                                                                                                                            lar competitive rates. The benefit will be limited to one savings and one
                     Visa, call 1-800-654-7728, enter your                                                                           a better place to live,
                                                                                                                                                                            checking account receiving e-Statements and direct deposit/payroll
                                                                                                                                                                            deduction per primary account holder. For members with multiple sav-
                     credit union Visa number, and press                                                                                                                    ings and checking accounts, the rate will be applied to the accounts

                     “00” for balance transfers.** If you                                                                            work, play, and learn!                 that have been open the longest. Youth accounts qualify without au-
                                                                                                                                                                            tomated deposits. Specialty accounts like IRAs and UTTMA trusts are
                                                                                                                                                                            ineligible. Terms and conditions of this program are subject to change
                     need to apply for a credit union Visa,                                                                            School Retirees
                                                                                                                                                                            without notice. Please click the APY links above or contact us during
                                                                                                                                                                            regular business hours for details.
                     please call us.                                                                                                  Appreciation Week,
* APR = Annual Percentage Rate. Eligibility and the non-promotional rate for which you may qualify will be determined by
  your personal credit history. The promotional rate applies to balances transferred to a Visa Classic or Platinum card. The                                                            Board of Directors
  Drab-to-Fab promotion may not be combined with any other offer, and does not apply to existing balances on your credit            March 12 – 18, 2012.
  union Visa. Your account must be in good standing. 3.95% APR will apply only to transferred balance amounts and will                                                                                Borje O. Saxberg
  remain in effect until the balances are paid in full or your March 2014 statement date. After that, your rate on any remaining                                                                   Sandra M. Kurack
  transferred balance converts to our regular variable rate, currently 7.20% or 9.20% APR. To help you pay down your card’s                                                     Brian L. Benzel                Linda S. Cowan
  debt as quickly as possible, we’ll allocate all payments over your minimum to any higher APR balance on your card.                                                            William C. Bonaudi             Shirley Liu-Hodgson
                                                                                                                                                                                Roger A. Reimer                Richard A. Rutkowski
** When you call, you’ll want to have this information handy for each card you’ll be transferring from: account number,
   transfer amount, payee, and payment address.                                                                                                                                 Carl E. Tingelstad
                                                                                                                                                                                           Mary H. Johnson, Director Emeritus

                                                                                                                                                                                Supervisory Committee
                                                                                                                                                                                                    Carl E. Tingelstad
If you spot your account number above in double parentheses, call us at 1-888-628-4010. You may have just won $100.                                                                         Peggy Filer      George Holmgren

                                                                                                                                                                                           Your savings federally insured to at least $250,000 and backed
                                                                                                                                                                                           by the full faith and credit of the United States Government.
            Seattle address: 325 Eastlake Ave. E., PO Box 576, Seattle, WA 98111-0576 • Spokane address: 1500 West 4th Ave., Suite 150, Spokane, WA 99201-7256                             National Credit Union Administration, a U.S. Government Agency

  (206) 628-4010 or 1-888-628-4010 toll free, 7:30 a.m. to 5:30 p.m. weekdays • Lobby hours: 9 a.m. to 5 p.m. weekdays • Telephone Banking: 1-800-628-7910 •