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We have the home loan solution for you!
arison pa Purchasing a car? Talk to SGE!
Find the right insurance cover
ASK US TODAY!
Call 1300 364 400 | www.sgecu.com.au
Want to purchase a new
car? We can help you!
SGE Credit Union is your one stop shop for purchasing your next car! We can help you find the right
vehicle and the right insurance at a competitive price to have you on the road in no time!
With the launch of our NEW Fixed Rate Car Loan with a rate of
7.99%pa (comparison rate 8.26%pa^), SGE can help you
drive away in your dream car sooner! The new Fixed Rate Car
Loan can really benefit you by locking in this special rate for
up to 5 years.
The new Fixed Rate Car Loan is the clever way to buy and
borrow and will give you repayment certainty over the term
You can borrow up to $70,000 for a new or used car of up to
3 years of age. Making life easier by having the peace of mind
knowing your repayments will not fluctuate during the term of
To find out more visit www.sgecu.com.au/fixed-rate-car-loan
^ Comparison rate based on $30,000 over 5 years. WARNING: This comparison rate is true only for the
example given and may not include all fees and charges. Different terms, fees or other loan amounts
might result in a different comparison rate. Applications are subject to lending criteria. Terms &
conditions and fees & charges apply which are available from www.sgecu.com.au or one of our Service
Centres. Interest rates are correct as at 9 August 2013 and are subject to change at any time.
Need help finding the right vehicle for you? Auto Search will help you find the right car and it’s absolutely free! Auto
Search will save you time and money and match you with the right car to suit your needs and budget. Giving you expert advice
from consultants with years of experience within the motor vehicle trade, full warranty from manufacturers and no high pressure
sales tactics, Auto Search is the right choice for finding your next car! Call Auto Search on (02) 9792 2776 or visit our website
www.sgecu.com.au/auto-search to find out more!
Talk to us about car insurance!
Have you thought about getting a competitive quote for your car insurance? Are you buying a new car and
need to organise you insurance quickly? Have you got the right insurance cover?
SGE Credit Union can help!
Give yourself peace of mind by talking to SGE Credit Union
about car insurance. Offered by QBE, car insurance is just one
of the comprehensive range of insurance solutions we have
talk to sge available to you.
right cover Our partnership with QBE allows us to offer SGE Credit Union
today! members value and quality insurance products, making SGE
your one stop shop for insurance cover!
Call us on 1300 364 400 to get a quote.
Terms, conditions and acceptance criteria apply. Cover limits apply as set out in
the policy wording. This material does not take into account your personal needs,
objectives and financial circumstances and you should consider whether it is
appropriate for you. Please read the Product Disclosure Statement to decide if a
product is right for you. Insurance issued by QBE Insurance (Australia) Limited
ABN 78 003 191 035 AFS Licence 239545.
Spring clean your finances
at SGE Credit Union!
Spring is about the warmer weather and new beginnings but also about making a fresh start with your finances!
When you spring clean your home, you most likely scrub the How we can help with spring cleaning your finances!
floors, dust the shelves and remove the rubbish from your Call us on 1300 364 400 and we can help you better
home. Take a similar approach to your finances and make a understand how our range of savings, loan and investment
fresh start! Have you reviewed your budget recently? Do you products can help you.
know for certain you are saving as much as you can? Review
your budget, finances and lifestyle purchases and clean out all It is also a good idea to seek professional advice from a
the unnecessary expenses. financial planner. ClearView is SGE’s preferred financial
planner and can help you discover and achieve your financial
It is good practice to set a date every three months to review goals. Talk to SGE today to make an appointment.
your financial plan and goals to ensure you are on track and if
there are any areas that need to change. Simply come into a Service Centre or call 1300 364 400 and
we can get you started right away!
Spring Cleaning Budget
4 Keep a record of your expenses. Write down all of your
spending, keep receipts for your expenses and Spring cleaning ch
collect your bank statements for the past 3 months. This
• Update your budg
will give you an overview of your expenses such as et. It is good prac
your budget consta tice to review
mortgage repayments, rent, bills and lifestyle purchases. ntly to ensure you
maximising your sa are
• Evaluate and redu
4 Savings review. Keep a money planner or spreadsheet of ce debts. Review
you owe and how how much
the savings you intend to achieve to keep on track. much interest you
your loans. Consol are paying on
idating them all in
could help. Talk to to one loan
4 Make a list of your income details. This includes your us about how we ca
income, benefits such as dividends, superannuation you with this. n help
and any interest earned on your savings. • Review your insu
rance. Do you have
cover? The insuranc the right
e policy you took ou
4 Keep a list of your annual expenses. This includes years ago may not t a few
be relevant to your
vehicle registration, insurance, holidays, special now. lifestyle
occasions, medical expenses, etc. • Read your statem
ents. Make sure yo
the habit of consta u get into
ntly reviewing your
so you know what statements
is happening on yo
• See a financial pl ur accounts.
anner. SGE can m
appointment for yo ake an
u to see a ClearVie
planner**. w financial
We have the home loan solution for you!
It has never been a better time to take advantage of great low interest rates on offer! Our Solutions Home
Loan Package offers a specially reduced interest rate and is packed full of benefits!
Benefits of the Solution Home Loan Package:
• Specially reduced interest rate
• Solutions Visa Credit Card
• Interest offset account available
• Home and personal insurance options*
• Direct payroll facility
• A fee free initial consultation with a qualified
ClearView financial planner**
• Flexibility to make extra repayments with no
ions • Redraw facility available~
Apply today! Come into your local Service Centre or
call 1300 364 400 and enjoy the benefits!
ate SGE Credit Union Limited ABN 72 087 650 637 AFSL & Australian Credit License
No. 238311. Eligibility criteria for loans, terms & conditions and fees & charges apply.
~Minimum redraw of $100 applies. # Comparison rate based on $150,000 over 25
years. Different terms, fees or other loan amounts might result in a different comparison
rate. Interest rates are correct as at 9 August 2013 and are subject to change at
a rison pa anytime. *Insurance products arranged by SGE Credit Union Limited. General Insurance
rate# issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL Licence
239545. Terms, conditions and acceptance criteria apply. Please read the relevant
Product Disclosure Statements (PDS) available from www.sgecu.com.au to decide if the
product is right for you. **ClearView Financial Planners are Authorised Representatives
of ClearView Financial Advice Pty Limited ABN 89 133 593 012 AFSL 331 367.
SGE Solutions Visa Credit Card
Enjoy the benefits and flexibility
A credit card from SGE Credit Union comes with
a competitive interest rate and packed full of
features. It will also give you peace of mind for
Classic Solutions Visa
those times you are not carrying cash or want to Credit card Rate Gold Solutions Visa
make a purchase and that you would rather pay
Interest Rate* Credit card Rate
12.95%pa Interest Rate*
SGE Credit Card benefits 14.95%pa
4 Worldwide VISA Card acceptance
4 Up to 45 days interest free periods on our credit cards^^
4 Bonus Rewarder Card with SGE Credit Cards
4 One Rewarder dollar for every $100 spent for SGE Gold
4 One Rewarder dollar for every $200 spent for SGE Classic
4 Every point earnt with your SGE Visa Card is turned
into cash which you can then spend anywhere EFTPOS is
4 Cash advances do not incur a higher rate of interest on
the Solutions Credit Cards
Apply today! Come into your nearest Service Centre or call
SGE Direct on 1300 364 400 today!
SGE Credit Union Limited. ABN 72 087 650 637, Australian Credit Licence No. 238311.
*Interest rates are subject to change at anytime. Eligibility criteria for loans, terms &
conditions and fees & charges apply. ^^Providing you pay your account in full each month
and by the due date.
A message from Break away from
the CEO uncertainty!
Another financial year has passed Worried about rising interest rates? Our Fixed Rate
and I’m sure many of you are taking Home Loans give you peace of mind with a locked
the opportunity to review your in interest rate and repayment.
financial goals. Although volatile
economic conditions persist in many A Fixed Rate Home Loan means your repayments stay the
countries, I am pleased to report same for the duration of the fixed rate period, making it much
that we are seeing signs of renewed easier to budget and plan your lifestyle.
investor and household confidence
among our SGE members. With We have a range of fixed rate home loans with terms varying
home loan interest rates now at their from 1 to 5 years and a new Fixed Rate Car Loan as well.
lowest levels for over 50 years, we’ve seen a marked increase Some of the benefits of a fixed rate loan from SGE include:
in the number of members choosing to purchase investment
properties or upgrade their family homes. 4 A highly competitive interest rate fixed for the term of the
fixed loan period.
The recent lift in consumer confidence has driven a record 4 You will be protected against rising interest rates.
increase in SGE home loan approvals, thanks in part to 4 You will be offered the flexibility of weekly, fortnightly or
the great success of our ‘Share it Around’ member referral monthly repayments.
campaign. This promotion has exceeded all expectations with 4 Interest only loans are also available with our fixed rate
many members taking the opportunity to refer friends and home loan options.
family to SGE. With members earning $1,000 for eligible 4 You will also be able to make extra repayments of up to 5%
home loans (and $200 for personal loans), the ‘Share it of the loan balance per annum.
Around’ campaign has proved beyond doubt that SGE’s loyal
members are our best marketing resource. To find out more, speak to one of our loan specialists on
1300 364 400 today!
Although eligibility for the ‘Share it Around’ referral payments
formally ended on 31 August, we will continue to process #
Comparison rate based on $150,000 over 25 years. WARNING: This comparison rate is true only for
the example given and may not include all fees and charges. Different terms, fees or other loan amounts
payments in circumstances where the initial loan inquiry might result in a different comparison rate. Interest is calculated on daily balances and charged monthly
in arrears. Applications are subject to lending criteria. Terms & conditions and fees & charges apply
occurred before that date. which are available from www.sgecu.com.au or one of our Service Centres. Interest rates are correct
as at 9 August 2013 and are subject to change at any time. Fixed Rate Loans convert to the Standard
Variable Rate upon expiry of the fixed term or you may choose a further
With many members now looking to re-enter the housing fixed rate term of up to 5 years or other options.
market, this edition of SGE News includes helpful articles on 2 Year Fixed Ra
our Solutions Package Home loan and our new Fixed Rate Car 3 Ye Home Loan
Hom ar Fixe
e Lo d
loan. an S Rate
I am also pleased to report some exciting new developments at
5.66 % 5.73 %
SGE, with our refurbished branch at Liverpool Hospital having
opened on 8 July, and with a new branch at the Royal North pa
Shore Hospital due to open later this year. Although the vast par
ison r pa
majority of our members (around 95%) continue to conduct
all of their banking online or by phone, we are always on the
look-out for suitable branch locations near our members’
Thanks again for your loyalty and support.
Notice of Changes Protect yourself
effective 1 November 2013
Financial Services Guide (FSG) from scammers!
The following changes have been added to Collection
Are you concerned about becoming a victim
and use of personal information:
- to assess your capacity to pay a loan you:
of fraud? Unfortunately most people will be
• have applied for approached by a scammer at one point. There
• have guaranteed. are many scammers and fraudulent activities to
be wary of. Here are some tips on how to protect
The credit reporting agency we provide information to yourself.
is Veda Advantage Ltd. You can contact them by:
Scammers do not stop at anything to target victims,
• Phone - 1300 921 621
including adopting a personal touch. Watch out for
• Email - firstname.lastname@example.org
scammers – phone calls, SMS, letter, email, fax, blog,
online chat or dating service – scammers will use any of
Account and Access Facility - Terms and
these means to target you.
Keeping personal information private is absolutely critical.
The word ‘Dormant’ has been replaced with the word
Your identity can be stolen if scammers get hold of your
‘Inactive’ wherever it appears to provide greater clarity.
personal information. Scammers can target you anytime,
anywhere, anyhow, and they don’t discriminate – everyone
Summary of Accounts, Availability of Access
can be targeted.
Facilities and Transaction Limits
Our message is to take a smart and safe approach to
protect your personal information This information
includes your name, address, date of birth, contact details,
occupation, account details and card details.
Fees and Charges Brochure
Visa Debit Card cash advance at $5.00
Tips to avoid scammers
ATM outside Australia
• Know who you are dealing with online or over the phone.
Verify the sellers name, physical address and phone
SGE Credit Union Limited number. It can be difficult to confirm someone’s identity
ABN 72 087 650 637 online, but doing an online search for their business and/
AFSL & Australian Credit License No. 238311 or details may be able to verify some information for you.
• Check your statements. If you see charges you do not
BSB 659-000 recognise, contact us immediately.
Phone 1300 364 400 • Do not reply to messages requesting personal
Fax 02 9286 0331 information. The message can be a phone call, emails or
Mail PO Box A253 Sydney South NSW 1235 text message requesting personal or financial information.
Email email@example.com This is called phishing, where scammers are trying to trick
Web www.sgecu.com.au you into giving away your information.
SGE Credit Union Locations Visit www.sgecu.com.au/scamwatch-email-alert for more
Bathurst Shop 5, 201 Howick Street information and keep up to date with the latest news.
Lismore 28 Conway Street
Liverpool Hospital Shop 1 Ground Floor, Clinical Services
Building, Elizabeth Street
Malabar Detention Centre Anzac Parade
Melbourne Level 1, 128 Exhibition Street
Mid City 230 Clarence Street
Newcastle 328 King Street
Parramatta 12-14 Wentworth Street
Wagga Wagga 125 Baylis Street
sge looks after me!®