SFCU June_SFCU_June.qxd

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					Riverhead Branch

                   Online Banking & Bill Pay is Safe, Quick and Easy!
                   Paying and managing your bills online is easy.         bills, car loans and payments to individuals, such
                   We’ve created a convenient system that is              as friends or family.
                   secure, quick and easy to use.
                                                                          With online banking and Bill Pay you can:
                   To pay your bills online, just login to your SFCU      • Receive bills online.
                   online account and enter the bill amount and the       • Schedule recurring payments for monthly bills.
                   payment date you want, and your bill will auto-        • Schedule payments up to one year in advance.
                   matically be paid. Any type of bill can be paid
                                                                          • Cancel or change payments.
                   using our online bill pay service, including utility
                                                                          • Access your last 12 months of payment history.
                                                                          Bill Pay benefits:
                                                                          • Free with an SFCU checking account.
                                                                          • Available online 24/7.
                                                                          • Can be used to pay any type of bill.
                                                                          • Save money on checks, stamps and envelopes.
                                                                          Start experiencing all the benefits of Online Bill
                                                                          Pay today! Sign up at or call
                                                                          631-924-8000 to get started.

                   New SFCU ATM at Brookhaven Town Hall
                   Suffolk Federal Credit Union celebrated the instal-    (Pictured left to right)
                   lation of a new ATM at the Brookhaven Town Hall        James J. Maggio Jr., Suffolk Federal Credit
                   with a ribbon cutting ceremony on Friday, April        Union Director, Mark Lesko, Brookhaven
                   30th. This ATM will provide employees of the           Town Supervisor, Martin W. Haley, Suffolk
                   town, as well as the general public, with a                    Federal Credit Union Chairman of
                   convenient access to cash.                                     the Board, and William J. O’Brien,
                                                                                  SFCU President/CEO.
Look What Your Home’s Equity Can Do for You!
                                                                                   Line of Credit (HELOC) from SFCU, you can pay down
                                                                                   high interest credit card debt, pay for college expens-
                                                                                   es, make home repairs, pay medical bills or pay for
                                                                                   a wedding.
                                                                                   SFCU also offers a low, fixed-rate home equity loan
                                                                                   with affordable monthly payments. The money you
                                                                                   borrow comes in a lump sum and has a fixed rate.
                                                                                   SFCU HELOC benefits:
                                                                                   • Rates as low as 3.50% APR*
                                                                                   • Easy application process
                                                                                   • Fast loan approval
                                                                                   • Easy access to money
Borrow $50,000 for as low as $290 per month*                                       • The interest you pay may be tax deductible**
Pay no closing costs on Home Equity loans up to                                    • Draw down only the funds you need
                                                                                   To learn more about opening a home equity line of
Your home’s equity can help put cash in your pocket                                credit call 631-924-8000 or visit any one of our six
when you need it the most. With a variable Home Equity                             convenient branch locations.
*APR = Annual Percentage Rate. Rates and terms are accurate as of 05/20/10 and are subject to change without notice. The HELOC is a variable rate loan and
the APR may change monthly after consummation. For every $1,000 borrowed at 3.50% APR for 240 months, the monthly payment will equal $5.80. The loan
rate is based on Wall Street Journal Prime Rate +.25%. Rates shown are for loans with Direct Deposit/Payroll Deduction and loan-to-values of 50%. Loans with
loan-to-values up to 80% are available at a higher rate. Rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). The minimum rate is
3.50% APR. Prime as of 05/20/10 was 3.25%. Applicants who are not approved at these rates may be offered credit at a higher rate. All loans are subject to cred-
it approval and income verification. Sample loan payment based on $50,000 at 3.50% APR for 20 years is $289.98.

**Suffolk Federal CU will pay closing costs on loan/line amounts up to $150,000. If you pay-off and close your loan less than 3 years from loan origination date,
you will be required to reimburse all closing costs paid by Suffolk Federal CU. For Loan/Line amounts up to $150,000, closing costs are estimated at $1,200.
Hazard insurance is required. Consult a tax advisor regarding the deductibility of interest. Please see an SFCU representative for additional information,
applicable fees and terms.

2010 Suffolk Federal CU Scholarship Recipients
Each of these college bound students received $1,000                               Caitlin A Diffley, Stevens Institute of Technology,
from SFCU. James M. McLoughlin Jr. received The Lt.                                Amber Jones, College of the Holy Cross
Michael P Murphy Navy Memorial Scholarship, an addi-                               Kacy McLaughlin, Quinnipiac University
tional scholarship award of $1,500 for his excellence in                           Matthew C. Nanos, SUNY Geneseo
academics.                                                                         Kyle Parker, United States Merchant Marine Academy
James M. McLoughlin Jr., Quinnipiac University                                     Christopher Ryan Sachak, St. Joseph's College
Kaitlyn Brosco, University of Notre Dame                                           Nicole Savastano, SUNY, Farmingdale
Srijita Chakraborty, Stony Brook University                                        Todd Vester, Nyack College
Christy Deery, Penn State University

               HOLIDAY CLOSING
               All SFCU branches will be closed Monday, July 5th in observance
               of the Fourth of July. The credit union will reopen Tuesday, July 6th.
                                                            Businesses Benefit from
             Personal Variable Line-of-Credit... SFCU Membership
               For summer vacation or overdraft protection!
                      When you need cash, Suffolk Federal Credit Union has you
                      covered! SFCU’s Personal Variable Line-of-Credit gives you
                    access to cash 24 hours a day, seven days a week.
                  Use your Personal Variable Line-of-Credit for a major purchase
                  or unexpected expense. No matter where or when you need
                money, you can access your Personal Variable Line-of-Credit for
             any amount up to your approved credit limit. You can access your                                 At Suffolk Federal CU,
credit line by visiting any SFCU branch, through our ATM’s, online or through                                 we understand that local
our 24-hour Member Telephone Service. No other type of loan provides you with                                 businesses are the back-
this much flexibility and convenience.                                                                        bone of Long Island. That’s
                                                                                                              why we’re dedicated to providing
The Personal Variable Line-of-Credit features a low interest rate plus the conve-                             economical business deposit and loan services,
nience of automatic monthly payments through your Advantage Checking                                          plus other banking solutions designed just for you.
Account. Best of all, complete one simple application and when your line-of-                                  Our Business Services Department offers a wide
credit is approved you will have a ready source of cash for years to come. And                                array of commercial banking products and can
you pay nothing for this service until the funds are activated. You can also                                  help you choose the products that best meet your
sign up to have your SFCU Personal Variable Line-of-Credit serve as overdraft                                 business needs.
                                                                                                              SFCU offers the following business services:
To apply, call 631-924-8000, stop into any one of our six convenient branch                                   • Merchant Services
locations, or complete your application online at!                                         • SBA Loans
                                                                                                              • Commercial Mortgages
                                                                                                              • Fixed Term Loans
FREE GPS with any SFCU Auto Loan*                                                                             • Lines of Credit
An auto loan with Suffolk Federal Credit Union can save you money and                                         For reliable, economical financing and banking
help make navigating Long Island easy!                                                                        options, come to SFCU. We can provide you with
                                                                                                              quality financial services and the personal touch
• New auto loan as low as 3.89% APR**                                                                         that we bring to all our member relationships.
• Pre-owned auto loan as low as 4.45% APR**                                                                   For more information, stop in to any one of
Searching for a low rate on a vehicle loan? Look                                                              our branch locations or contact our Business
no further! SFCU has money-saving loans to                                                                    Services Department at 631-924-8000 x8351.
cover all of your vehicle needs!
Before you shop or price a loan from a dealership, talk to a Suffolk Federal                                  Small Business
Credit Union loan specialist about qualifying for a new or pre-owned vehicle
loan. We’re here to help you save money and get the car, van, truck or motor-
                                                                                                              Lending Workshop
                                                                                                              On April 29th, Suffolk Federal Credit Union
cycle you want.
                                                                                                              participated in Suffolk County’s Department of
Apply today! You may complete your application at any SFCU branch or                                          Economic Development and Workforce
apply online at — it’s that easy!                                                          Housing’s “Access to Types of Financing
* Some restrictions apply.
                                                                                                              Available for Small Business”. Pictured below is
                                                                                                              Yves Michel, Suffolk County Commissioner of
** APR=Annual Percentage Rate. Rates and terms are accurate as of 5/20/10 and are subject to change
without notice. Rates available for loans with Direct Deposit/Payroll Deduction, loan-to-value of less than   Business Development and Workforce Housing,
75%, and a term of 60 months or less. Loans with loan-to-value of greater than 75% and terms of more          Reeni Brill of Passport Communications, and
than 60 months are available at higher rates. Applicants who are not approved at these rates or terms may     Joseph Ancona, SFCU Vice President of
be offered credit at a higher rate and/or different terms.
                                                                                                              Business Services.

                             The Defensive Driving Class
                               This month’s course will be held at the Medford branch
                                  on two consecutive Saturdays – June 19 and June 26
                                     from 9:30am - 12:30pm. A course fee of $25 will
      Defensive                    be collected by the instructor.
       Driving                  SPACE IS LIMITED, so make your reservation today
                             by calling 631-924-8000.
                                                                                                              OUTSIDE AREA CODE
                                                                                                         The drive-up windows for all
                                                                                                       Suffolk Federal CU Branches will
                                                                                                         open at 8:00am and close at
                                                                                                       6:00pm Monday Through Friday,
                                                                                                          9:00am - 2:00pm Saturday
  Arthritis Foundation Walk                                                                               SFCU Call Center Hours:
                                                                                                        Mon. - Thurs. 8:30am - 5:00pm
  Belmont Lake State Park, May 15, 2010
                                                                                                            Fri. 8:30am - 6:00pm
  Pictured on the right is Joseph Ancona, SFCU VP of Business Services, with friends and family            Sat. 9:00am - 2:00pm
  at Belmont State Park in Babylon– for the 8th Annual ‘Let’s Walk Together’ Arthritis Foundation
  fundraiser. Many employees and members got together to show their support for this important              6150 Jericho Turnpike
  cause. Funds raised from the Arthritis Walk will assist more than 428,000 Long Islanders                  Commack, NY 11725
  suffering from this disability, including more than 3,000 children.                                   Mon. - Thurs. 9:00am - 5:00pm
                                                                                                            Fri. 9:00am - 6:00pm
                                                                                                            Sat 9:00am - 2:00pm
            March of Dimes                                                                                    1282 Motor Parkway
                                                                                                               Islandia, NY 11749
   Arlene Donohue, SFCU Chief Information                                                                   Mon. 8:30am - 5:00pm
  Officer and Committe Chairwoman presents                                                              Tues. - Thurs. 9:00am - 5:00pm
                                                                                                             Fri. 8:30am - 6:00pm
        a check for $7,785 to March of Dimes                                                                 Sat 9:00am - 2:00pm
    Community Directors, Chad Witsell and
  Donna Brower. Thanks to all of the credit                                                                3681 Horseblock Road
            union members who participated                                                                        .O.
                                                                                                                 P Box 9005
                     in our fundraising efforts.                                                             Medford, NY 11763
                                                                                                        Mon. - Thurs. 8:30am - 5:00pm
                                                                                                            Fri. 8:30am - 6:00pm
                                                                                                            Sat 9:00am - 2:00pm
                                                                                                                MILLER PLACE
                                                                                                           Aliano Shopping Center
 SFCU Annual Meeting                                                                                            691 Route 25A
                                                                                                           Miller Place, NY 11764
 On Monday, April 26th the Suffolk Federal Credit Union’s Annual Meeting was held at the                Mon. - Thurs. 9:00am - 5:00pm
                                                                                                            Fri. 9:00am - 6:00pm
 Medford Branch. SFCU is pleased to announce that Bianca M. Dresch and Joseph Poerio                        Sat 9:00am - 2:00pm
 were re-elected to three years terms. The Board of Directors selected Martin W. Haley to                         RIVERHEAD
 serve as Chairman of the Board, Thomas B. Smith as Vice Chairman, Bianca M. Dresch as                  Route 24 at Enterprise Zone Dr.
 Secretary and Joseph Poerio as Treasurer for the coming year.                                              Riverhead, NY 11901
                                                                                                        Mon. - Thurs. 9:00am - 5:00pm
                                                                                                            Fri. 9:00am - 6:00pm
                                                                                                            Sat 9:00am - 2:00pm
                                                                                                               WEST BABYLON
                                                                                                          Shoprite Shopping Center
                                                                                                              50-108 Route 109
                                                                                                          West Babylon, NY 11704
                                                                                                        Mon. - Thurs. 9:00am - 5:00pm
                                                                                                            Fri. 9:00am - 6:00pm
                                                                                                            Sat 9:00am - 2:00pm
                                                                                                        Surcharge FREE ATM’s at
                                                                                                        all King Kullen Locations

Board of Directors                 President & CEO                  Supervisory
Martin W. Haley, Chairman          William J. O’Brien               Committee
Thomas B. Smith, Vice Chairman                                      Frank Zvanovec, Chairman
Bianca M. Dresch, Secretary        Security Coordinator             Lorraine Hickey, Member
Joseph Poerio, Treasurer           Richard Bishop                   Daniel Murphy, Member            Your savings federally insured to at least $250,000
James J. Maggio, Jr. Director                                       Todd Johnson, Member            and backed by the full faith and credit of the United
                                                                                                         States Government. National Credit Union
DeWitt Treder, Director                                             Joseph Blaettler, Member            Administration, a U.S. Government Agency

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