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					SGE News
SEPTEMBER 2013

                                                                Sprin
                                                             clean g
                                                                   y
                                                             finan our
                                                                  ces!


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     5.21 %
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          inter            pa          IN THIS ISSUE
     5.24 %
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                                       We have the home loan solution for you!
      comp
          arison           pa          Purchasing a car? Talk to SGE!
                   rate#


                                       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 chose.

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
the loan.

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.
                                                               about the
                                                              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
                                                                                                    ecklist
                                                                      • 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
                                                                                              vings.
                                                                     • 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
                                                                                                                penalties
                                                                        Hom
                                                                                 Solut
                                                                                       ions               •     Redraw facility available~
                                                                                e Loa


                                                                 5.21 %
                                                                                      n Pac
                                                                                            kage
                                                                                                          Apply today! Come into your local Service Centre or
                                                                                                          call 1300 364 400 and enjoy the benefits!
                                                                            inter             pa

                                                                 5.24 %
                                                                                 est r
                                                                                      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
                                                                     comp
                                                                         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
 later!
                                                                                                     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
   Solutions Card
 4 One Rewarder dollar for every $200 spent for SGE Classic
   Solutions Card
 4 Every point earnt with your SGE Visa Card is turned
   into cash which you can then spend anywhere EFTPOS is
   available
 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
                                                                                                                                                         te
our Solutions Package Home loan and our new Fixed Rate Car                             3 Ye                                                  Home Loan


                                                                                                                                   4.94 %
                                                                                      Hom ar Fixe

                                                                             4.99 %
                                                                                          e Lo    d
loan.                                                                                         an S Rate
                                                                                                  PEC
                                                                                                      IAL
                                                                                                                                             interest rate
                                                                                                                                                              pa
I am also pleased to report some exciting new developments at

                                                                             5.66 %                                                5.73 %
                                                                                        inte
                                                                                              rest
                                                                                                     rate    pa
SGE, with our refurbished branch at Liverpool Hospital having
opened on 8 July, and with a new branch at the Royal North                                                                                                    pa
                                                                                                                                          comparison rat
                                                                                 com                                                                    e#
Shore Hospital due to open later this year. Although the vast                        par
                                                                                         ison r             pa
                                                                                               ate#
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’
workplaces.

Thanks again for your loyalty and support.




Dave Taylor
CEO
       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 - membership.correction@veda.com.au
                                                               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.
  Conditions
  Inactive Accounts
                                                               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
  S32
                                                               Our message is to take a smart and safe approach to
  Access Card      
                                                               protect your personal information This information
  Cheque Book      
                                                               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 sge@sgecu.com.au                                         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!®

				
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