equity home 624 674 774 by mmcsx

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									                                                                                                                                                         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.
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                                                                                                      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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