Serving school employees and their families since 1936.
Have a safe and
June 2008
relaxing summer!
LOW LOAN INTEREST
New & Used Car 4.49% – Boat & RV 4.99% – Leisure Craft & Vehicle 8.74% – Savings Secured Home Equity 5.99% – Homeowner Personal 10.99% – 10.49% APR 10.99% APR 14.24% APR 4.74% APR 6.99% APR 8.74% APR 15.74% APR
Save money on a low-interest loan
WE CAN PUT CASH BACK IN YOUR POCKET when you move your high-interest credit card balances to our Visa or refinance a loan from another lender. Of course, you can save right away when you check with us first for your next loan! VISA® CREDIT CARD Our Visa has no annual fee, no cash advance fees, and a 25-day interestfree grace period on purchases when balances are paid in full each month. With available limits as high as $15,000, members can transfer balances from high-interest store and bank cards and save!
Questions you asked:
AUTO LOANS Options include 80% or 100% financing (plus $1,000 extra), repayment terms up to 84 months, refinances, and more. BOAT AND RV LOANS Choose 80% or 100% financing and up to 120 months to pay. HOME EQUITY LOANS Choose fixed rates or a budget-friendly line of credit. ((203835)) Please call us at 1-888-628-4010 or visit our Web site for details. ((87226))
* Rates shown are subject to change and reflect discounts for automated payments. Certain restrictions and conditions apply to all rates listed here. Your personal credit history will determine the rate for which you qualify. Please see the information at left and call or visit our Web site for full details.
This is the range of APRs (Annual Percentage Rate) offered. The rate for which you qualify will be determined by your personal credit history. Rates listed above assume repayment via direct deposit or payroll deduction; for other methods, add 1/2% APR.
Visa® Credit Card✝ 7.65% – Overdraft Protection✝ EquityLine✝ Collegian✝ Choices✝
9.65% APR* 10.00% APR** 6.56% APR** 7.49% APR 7.49% APR
✝ The 1/2% discount for direct deposit or payroll deduction is not available for these loans. * This is the range of APRs (Annual Percentage Rate) offered. The Visa rate for which you qualify will be determined by your personal credit history. Visa rates listed above assume repayment via AutoPay; for other payment methods, add 1/4% APR. **This is a variable-rate line of credit, which is subject to change. All rates, terms, and availability are subject to change without notice. Visit www.secuwa.org for the most current rates.
ANTICIPATED DIVIDENDS
Computed Daily, Compounded and Paid Quarterly
Current Rate Annual Percentage Yield
Accounts with Direct Deposit/Payroll Deduction & e-Statements
Savings Accounts
For balances up to $750.00 7.50% 7.71%* For balances $750.01 and over 2.75% 2.78%*
Accounts without direct deposit/payroll deduction and e-Statements will earn 2.75% APR and 2.78% APY on any account balance.
Accounts with Direct Deposit/Payroll Deduction & e-Statements
Checking Accounts
For balances up to $750.00 7.50% 7.71%* For balances $750.01 and over .50% .50%*
Accounts without direct deposit/payroll deduction and e-Statements will earn 1/2% APR and 1/2% APY on any account balance.
Where do I sign up for e-Statements and the new e-Bulletin?
VISIT www.secuwa.org, sign onto Online
Banking, and click “Services” in the left column. From there, click “e-Statements” to read and accept our e-Statements agreement. Once you’ve accepted, you’ll become eligible to earn 7.71% APY on the first $750 of your savings and/or checking accounts when you also use direct deposit. See the box at left for details. ((129679))
Perfect for the graduate in your life: Our Visa Gift Card
SAY “I CARE” in a way you know will be appreciated! A Visa Gift Card is an ideal present for any gift-giving occasion from graduations to weddings and birthdays. They’re widely accepted,* convenient, safer than cash, and can be personalized with your own design and message. Just go to www.secuwa.org and click “Loans & Credit Cards” and “Visa Gift Card.”
* Some restrictions apply. Please see our Web site for details.
Coverdell Education Savings Traditional IRA Roth IRA
4.00% 4.06% 3.00% 3.03% 3.00% 3.03%
Rates and yields may change at any time at the discretion of the Credit Union’s Board of Directors. The annual percentage yield (APY) is accurate as of the last dividend declaration date. No minimum balance is 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 a savings account and maintain membership. $50 is required to open a checking account. * All members who make recurring direct or payroll deduction deposits to their savings account or checking account and receive e-Statements for those accounts will earn 7.71% APY on any amount up to $750 in their savings account and 7.71% APY on any amount up to $750 in their checking account. For amounts over that, they’ll continue to earn the credit union’s regular competitive rates. The benefit will be limited to one savings and one checking account receiving e-Statements and direct deposit/ payroll deduction per primary account holder. For members with multiple savings and checking accounts, the rate will be applied to the accounts that have been open the longest. Youth accounts (Savvy Savers, Choices, and e-Visions) qualify without automated deposits. Specialty accounts like IRAs and UTTMA trusts are ineligible. Terms and conditions of this program are subject to change without notice. Please see our Web site or contact us during regular business hours for details.
Get your finances ready for summer
WITH SUMMER BREAK just around the corner, now’s a great time to simplify your life with these time- and moneysaving services. You’ll get them FREE with any of our accounts: ONLINE BANKING. Verify account balances, see which deposits and checks have cleared, transfer funds, and more 24 hours a day from any computer. E-STATEMENTS eliminate the risk of mail theft and allow you to view your statement any time via our secure Web site. You’ll also receive e-mail notices to link you to an online version of the Bulletin. Be among the first to learn of updates on credit union products and promotions! DEPOSIT ONLINE. Get instant credit for check deposits before we receive them in the mail. EXTERNAL TRANSFERS. Move money between your credit union and financial institutions nationwide. ((51229)) ONLINE BILL PAYER. Pay your bills online with state-of-the-art security. ELECTRONIC NOTIFICATIONS. Receive automated e-mails or text messages to find out when your account balance has reached a certain level, remind you when payments are due, and more. DIRECT DEPOSIT ensures your check reaches your account as soon as you’re paid. FREE ATMS. See our Web site for thousands of no-fee ATMs nationwide, including those at 7-Eleven stores. To learn more, visit www.secuwa.org or call 1-888-628-4010.
BOARD OF DIRECTORS
Borje O. Saxberg, Chairman Richard S. White, Vice Chairman Sandra M. Kurack, Secretary-Treasurer Brian L. Benzel Linda S. Cowan Shirley Liu-Hodgson Roger A. Reimer Richard A. Rutkowski Carl E. Tingelstad Mary H. Johnson, Director Emeritus
SUPERVISORY COMMITTEE
Carl E. Tingelstad, Chairman Peggy Filer Steve M. Pouley
ADVISORY COMMITTEE
Dr. Peter Ansingh Yakima Sue Barnard Shelton John Deeder Vancouver Burton Dickerson Quincy Cuauhtemoc Escobedo Seattle Michael Green Woodland Dr. Michael Henniger Bellingham Bruce Hobert Mukilteo David Hollingsworth Spokane Dr. Ken Hoover Monroe Dr. Thomas Keegan Port Angeles Harjeet Sandhu-Fuller Tacoma Eugene Schmidt Bridgeport Dr. Thomas J. Rockefeller Mead Jason Thompson Pullman Darcy Weisner Walla Walla
06/2008
If you spot your account number above in double parentheses, call us at 1-888-628-4010. You may have just won $100.
Printed on recycled paper with earth-friendly soy-based ink.
Seattle address: 325 Eastlake Ave. E., PO Box 576, Seattle, WA 98111-0576 • Spokane address: 1500 West 4th Ave., Suite 100, Spokane, WA 99201-7256 (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 • secuwa.org