February 2008 Discover the equity in your home. Fixed Rate Home Equity loan rates as low as: % 6.24 APR* Up to 48 months 6.74 % APR* Up to 108 months 7.74 % APR* Up to 180 months With a SAC Federal Credit Union checking account with direct deposit. Plus no closing costs & make no payments for 60 days! Hurry! This offer ends May 31, 2008! *Annual Percentage Rate (APR). These APR’s reflect a .25% discount for opening or currently having a SAC Federal Credit Union checking account with direct deposit. Offers valid to 5/31/08 on new loans only. Property must be owner-occupied and located within a 100-mile radius of the Credit Union. If an appraisal is necessary and the appraised amount is insufficient to meet the loan request amount, the appraisal fee will be charged to the applicant. Property insurance is required. Consult your tax advisor for interest deductibility. Subject to credit approval. Some limitations apply. Sample fixed rate monthly payment on $20,000 Home Equity Loan at 7.74% with 60 days before first payment for 180 months is $189.40 without Payment Protection. 2 P.O.Box 13007 Omaha, NE 68113-0007 Start the New Year off Right! You probably know how much you made last month, but did you make savings a part of Main Office 402.829.6266 your spending plan? If your answer is no, SAC Federal Credit Union can help! Hwy. 370 & 36th St. Ames Branch 402.829.6372 We offer a helpful way to track your monthly spending, savings, and everything in between. 5070 Ames Ave. Learn ways to get more from your dollars by developing a budget to fit your life style with Bellevue Branch 402.829.6421 the use of BudgetSmart! 2204 Longo Dr. Building 500 Branch 402.829.6313 BudgetSmart is an exciting FREE Offutt Air Force Base software program offered at SAC Council Bluffs Branch 712.242.1000 Federal Credit Union. This easy-to-use program uses simple graphics, “pop-up” boxes, 1712 Madison Ave. and bar charts to help you manage your money more efficiently. Each month most people spend 10 percent more than they earn - don’t let this happen to you. Maple Branch 402.829.6435 171st & Maple St. Use BudgetSmart to: Millard Branch 402.829.6362 153rd & Q St. • Determine how you want to spend your income • Track how you are actually spending your income Offutt Branch 402.829.6225 • Learn how to adjust areas where you are overspending Offutt Air Force Base • Determine how a major purchase or a change in income would impact Papillion Branch 402.829.6414 your budget South of 84th & Giles Plattsmouth Branch 402.296.2421 To get your FREE copy of BudgetSmart, go to SAC Federal Credit Union’s Web 219 S. 23rd St. site at www.sacfcu.com and download it to your computer. No worries, this download Shadow Lake Branch 402.829.6409 is absolutely FREE! BudgetSmart is not compatible with Macintosh computers. Hwy. 370 & 73rd St. (inside Hy-Vee) South Omaha Branch 402.829.6487 Don’t Leave Retirement to Chance! 24th & L St. Now is the time to put away that extra cash – so you will have more when you need it. For hours of operation, call or visit us at www.sacfcu.com. For information about opening your traditional and/or Roth Individual Retirement Account, or adding to your existing account, visit one of our 12 convenient locations or call (402) 829-6290. Remember the deadline for tax year 2007 contributions is April 15, 2008. Local Area 402.292.8000 C.U. By Phone 402.291.2200 Holiday Closing Schedule Toll Free 800.228.0392 Presidents’ Day Supervisory Committee 402.829.6208 Monday, February 18, 2008 Human Resources 402.829.6236 Drive-Ups open during regular Drive-Up hours at the Main Office, Bellevue Branch, TDD Only 402.291.8615 Papillion Branch, Ames Branch, Maple Branch, Millard Branch, Plattsmouth Branch & Council Bluffs Branch. Shadow Lake Branch will be open regular business hours.
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