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					August/September 2006

High yield CDs
$500 minimum Certificates

13 mo. CD – 5.05% APY* 18 mo. CD – 5.15% APY* 24 mo. CD – 5.20% APY*
* APY = Annual Percentage Yield. APY accurate as of 7/24/06. The rates on these Certificates of Deposit (CDs) are effective 7/24/06 and are subject to change at any time without notice. Minimum balance to open account is listed above. A penalty may be imposed for early withdrawal. Federally insured by NCUA.

Free movie tickets for opening a SECU checking account
Now through September 2— catch it while you can!
Open a new checking account and see the latest hit movie…on SECU! You’ll also be entered for a chance to win a trip for four to Universal Studios, Orlando. Now through Sept. 2, when you open a SECU checking account, you’ll get two free movie ticket vouchers, plus a chance to win a trip for four to Universal Studios.* Long after you see this summer’s blockbuster in the video store’s sale bin, you’ll still be enjoying the longterm benefits of Choice, Students’ Choice, or Premier Interest Checking: • FREE online Bill Pay • FREE checking transactions at over 32,000 Allpoint network ATMs in the U.S. and nearly 900 in Maryland • Special CD rates • Cash credits on select loans • Discounts and rebates on travel and more with the Benefits Plus® service Ready to open your new Choice, Students’ Choice, or Premier Checking account? Stop by a SECU branch, call 410-487-7328 or 800-879-7328 (option 8) or visit SecuMd.org.
* For complete Universal Studios trip contest rules, call SECU (option 8) or visit SecuMd.org.

Are you entitled to SECU’s no-fee checking rewards?
1) Sign up for Direct Deposit and free Online Statements (Choice Checking), plus add free online Bill Pay (Premier Checking) OR 2) Maintain combined SECU loan and deposit balances ($1,000 for Choice Checking or $10,000 for Premier Checking) OR 3) Open Students’ Choice Checking if you’re under age 26 and attend college, trade or technical school.

Summer sale on refinanced auto loans
Throughout August 2006, we’re offering a rate reduction for nonloans. S E C U auto loans * If your car loan isn’t financed with SECU, it’s time to switch and save! Call SECU (option 3), stop by a branch or visit SecuMd.org to apply, or for more information.
* Limited time offer available from 8/1/06 through 8/31/06.

Call long distance for less with Benefits Plus®
Don’t cut short your phone calls to faraway friends and family—instead, ask us how you can save on long-distance costs with the Benefits Plus® discount and travel service. And if you have Premier Interest Checking, there’s no monthly fee for Benefits Plus®!

410-487-SECU • 800-TRY-SECU SecuMd.org

Plan a CD investment strategy online
SECU’s free online calculators can help you make wise financial choices. Use our new CD laddering calculator to plan your certificate investments. See what happens when you vary rates, terms, and investment amounts to build up your CD portfolio. With a “ladder” of different term CDs, you’ll benefit from higher interest rates for longer maturities while achieving better liquidity, rather than investing in a single long-term CD.

Take SECU with you to college or trade school
Where can students turn when Mom or Dad can’t be their personal ATM? Put SECU membership on the “must have” checklist for college, trade, or technical school students this fall: Plus, with Students’ Choice Checking, make checking withdrawals with no SECU fee at non-SECU ATMs, and no SECU fee or any surcharge at Allpoint ATMs. What if you attend school outside of Maryland? Our Students’ Choice Checking is still convenient because you can access over 32,000 Allpoint ATMs across the U.S. For details or to apply for SECU accounts or services, ask at a branch, visit SecuMd.org or call 410-4877328 or 800-879-7328.

See for yourself! Visit SecuMd.org and click on the “Rates & Calculators” button, to find our savings calculators. Use the link to our new CD laddering calculator to plan your own CD investment ladder options.

❒ Students’ Choice Checking—
There’s no monthly fee or any SECU fees when you make checking withdrawals, even at non-SECU ATMs.

❒ Check Card—It’s like an ATM
card and checkbook combined! Plus, you earn rewards points each time you use your Check Card for signature purchases.

❒ Student Visa credit card—
®

Fall shopping trends
For girls: Combine lightweight knits and long, full skirts accented with lace or beading. For guys: Mark the swing back to the school year with crisp new jeans and classic polo-type tops. For everyone: Earn rewards for using your SECU ScoreCard! When you shop for school clothes and supplies, use your Visa® Platinum credit card or your SECU Check Card (select “credit” and sign for your purchases). You’ll earn ScoreCard Rewards points towards free airfare, cool electronics or merchandise, and much more.

SECU employee honored for her volunteerism
Sharon Muhler, a SECU employee, recently received the Maryland Affiliate award from Komen Maryland, the Maryland Affiliate of the Susan G. Komen Breast Cancer Foundation. The 115 nationwide affiliates strive to eradicate breast cancer by advancing research, education, screening, and treatment. Muhler has organized SECU volunteers for the Maryland Race for the Cure and chairs Komen Maryland’s volunteer committee of 500 people. In 2005, she also received the Komen/BMW Ultimate Drive Local Hero award for her breast cancer volunteer efforts.

Establish a credit history and learn to use credit wisely, with a credit line of $500.

❒ Online Banking—Check your
account balances, transfer money between your SECU accounts, and more online, anytime.

❒

Expressline—Do your banking 24/7 on your cell phone or any touch-tone phone.

Does your student attend one of the University System of Maryland’s 11 colleges? There’s a SECU ATM right on campus.

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For more information, call SECU Credit Union: 410 -487- SECU or 800 -TRY-SECU

ATM ribbon-cutting
Cockeysville Mars Super Market
Mars Super Markets and SECU held an ATM ribbon-cutting ceremony on June 28 at the Mars location in Cockeysville. SECU has ATM cash dispensers in 15 Mars Super Markets, with full-service SECU ATMs at the Cockeysville, Edgewood and Aberdeen locations. These ATMs are free to SECU members.

Nationwide offers insurance savings for SECU members
Whether you have a perfect driving record, a not-so-perfect record, or a lapse in coverage, Nationwide is on your side. As a SECU member, you may be entitled to additional savings on your Nationwide auto insurance. You’ll get fast, fair claims service, competitive prices, and an agent who’s ready to help. So, don’t wait! The sooner you take advantage of this offer for SECU members, the sooner you could save money on your insurance. To learn more, call 410-792-8090 in Baltimore or 800-213-1634, toll-free. Or e-mail corriganagency@nationwide.com. Please remember to ask about special discounts for SECU members.

SECU and Mars celebrate the new SECU ATMs in all 18 Mars Super Markets. (Shown, from left: Myra Bivens, Mars General Dept. Supervisor; Jim Pierorazio, Mars’ Store Operations Supervisor; Rick Snyder, Mars’ Director of Store Development; Donald Tynes, Sr., SECU Chairman; Rod Staatz, SECU President/CEO; and Jerry Bialecki, Mars Cockeysville Store Manager.)

Buy a quality used car at our Enterprise Car Sales event

Member Appreciation Days: September 14 –16
Are you looking for a late model, well maintained used car? Stop by our Enterprise Car Sales event from Sept. 14 – 16, at seven Maryland locations. You’ll find no-haggle prices below Kelley Blue Book and NADA values! Enterprise has a wide selection of foreign and domestic used cars; trade-ins are welcome, too. You can purchase a used vehicle with confidence: Enterprise cars undergo a 109-point certification inspection and include a one-year free limited power train warranty and one year of AAA Roadside Assistance. To show their appreciation for SECU members, Enterprise will present you with a $150 gas card when you purchase an Enterprise vehicle with a SECU Auto Loan.* If you can’t make these car sale dates, this same offer is good throughout September 2006.* To get pre-approved before the sale, visit your branch, call 410-487-7328 or 800-879-7328 (option 3) or apply at SecuMd.org. This will make your car-buying experience even quicker. Want to see which Enterprise vehicles are available? Go to SecuMd.org and type “Enterprise” in the Search Site box for a link to our Enterprise page. Then click on the used car finder link.

Enterprise Car Sales’ Member Appreciation Days:
• Thurs., Sept. 14 (9 a.m. to 7 p.m.) • Fri., Sept. 15 (9 a.m. to 7 p.m.) • Sat., Sept. 16 (10 a.m. to 5 p.m.)

Online Banking saves you time and gasoline!
Why travel to a branch for a copy of your statement or to verify cleared checks? Before you get in your car, you can easily find the answers you need, right at home. Use our free Online Banking account access at home or at work, with your personal computer and Internet access. It’s available anytime so you’re not limited to branch hours, plus it’s password-protected, to keep your personal financial information safe. Online Banking is the fastest way to see if checks have cleared, transfer funds between your SECU accounts, view CD maturity dates, and more. It takes five business days or less to set up your Online Banking service. Get started today! Visit SecuMd.org and click on the Sign Up Now link in the yellow Online Banking box.

Enterprise locations:
• White Marsh: 10825 Pulaski Hwy. • Glen Burnie: 502 N. Crain Hwy. • Westminster: 609 Baltimore Blvd. (Rte. 140) • Laurel: 13400-A Baltimore Ave. • Rockville: 15615 Frederick Rd. • New Carrollton: 7998 Annapolis Rd., Lanham • Waldorf: 2295 Crain Hwy.
* Limited time offer; $150 gas card offer available for SECU members who purchase a vehicle from Enterprise Car Sales with a SECU Auto Loan between 9/1/06 and 9/30/06 at the Maryland Enterprise locations listed above.

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Visit SECU Credit Union, anytime, on the Internet: SecuMd.org

Contact SECU
On the Internet
http://www.SecuMd.org

Build up savings for peace of mind
How do you cope with surprise expenses? Paying with a credit card helps in the short term but must be paid back—with interest, if you carry a balance. Prepare for future emergencies by setting aside savings on a regular basis, even if it’s a small amount each pay. If you tend to spend your entire paycheck, open a Holiday Savings account and treat it as a “deposit-only” account. For other free budgeting strategies, contact Accel Members Financial Counseling. Call 877-332-2235 (or 866-772-2235 for Spanish) or visit accelservices.org.

By telephone
Call one of the phone numbers below and select option 8 for our Contact Center, Monday – Friday, 8 a.m. to 7 p.m. and on Saturday, from 9 a.m. to 1 p.m. Baltimore area: 410-487-SECU (7328) Other areas, toll-free: 800-TRY-SECU (800-879-7328) 24-hour Expressline: press “1” 24-hour loan applications: press “3” Expressline-only, Baltimore: 410-487-7930 Expressline-only, toll-free: 888-643-9777 TDD, Baltimore area: 410-487-7905 TDD, other areas, toll-free: 888-833-7328

Use home equity to pay for major expenses
Your home is not just a place to live. It can help make everyday living more comfortable, when you pay for bigticket items with a SECU home equity line of credit. Once your line of credit is established, simply write a check or use your Platinum Equity credit card to pay for tuition, home improvements or bill consolidation. With rates as low as 7.75% APR*, borrowing is more affordable than with higher interest loans. As you pay off what you’ve borrowed, your equity becomes available to use again. Since the interest paid on a home equity line is generally tax deductible, get the biggest tax break by using your home equity line of credit for larger expenses.* (Ask your tax advisor about your situation.) To apply for a home equity line of credit with no closing costs, visit SecuMd.org or any SECU branch.* Or call 410-487-7328 or 800-879-7328 (option 3) any time.
* APR = Annual Percentage Rate. Rates as low as 7.75% APR. Line of credit rates as low as Prime minus 1/2% with a floor rate of 3.50% APR and a ceiling rate of 18.00% APR; Prime rate is obtained from The Wall Street Journal, was 8.25% as of 7/24/06 and may change. The actual rate is determined by application and credit history. The rate is variable and can adjust on a monthly basis. Minimum initial draw is $20,000; up to 80% Loan to Value (LTV). Credit lines up to 100% LTV also available. SECU advances costs for appraisal, credit reports and closing costs on your first SECU Home Equity Line of Credit (one per primary/secondary residence), subject to credit history. Closing costs range from $850 to $1,000 on a $20,000 line of credit. Adequate property insurance and flood insurance required, if applicable. If loan is paid off within 24 months of original note date, closing costs must be reimbursed to SECU by borrower. Consult your tax advisor for deductibility of interest. Offer, including rates, is subject to change without notification.

No nearby SECU ATM?

Use Allpoint instead!
Why pay the $2 (or more) surcharge fee that many banks charge when you use their ATMs to withdraw cash from your SECU checking account? Instead, use a convenient Allpoint ATM—there’s no surcharge or SECU fee when you withdraw money from your Premier, Choice or Students’ Choice checking account. There are nearly 900 Allpoint network ATMs in Maryland, and more than 32,000 across the United States. Try our online Allpoint ATM locator at SecuMd.org to find an Allpoint ATM wherever you’re headed.

SECU Credit Union of Md., Inc. 971 Corporate Boulevard Linthicum, MD 21090-2337

Board of Directors
Donald Tynes, Sr., Chairman Dr. John W. Dorsey, Vice Chairman Gayle M. Seward, Treasurer Ellen C. Gardner, Secretary Directors: Janet Q. Bacon, John D. Kenney, Timothy G. La Valle, John G. Luber, Mark A. Reger; Directors Emeritus: Maj. Melvin W. Fisher and M. Lorraine Hebrank

Holiday Schedule
All SECU branches and offices will be closed on Monday, Sept. 4, 2006 (Labor Day). Do your banking anytime: be sure to visit SecuMd.org or call Expressline!

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