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					                                                                       Serving school employees and their families since 1936.                                                                                                                    May 2011

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            PROMO CODE:
          75th ANNIVERSARY

Auto loans as low as 2.99% APR*                                                                                                                                                                   Why Pay More?
                                                                                                                                                                                            New & Used Auto
  boRRoW noW to buy a new or used car at our lowest rates in decades –                                                                                                                      2.99  % –         % APR*          9.49
  2.99% to 9.49% APR* – and stretch your budget with up to five years to repay!                                                                                                             Personal Loan (Member First)
                                                                                                                                                                                            5.75  % –         % APR*      10.50
And now, through July 1, 2011, all                                                            Please don’t delay! When spring’s gone, the                                                   Home Equity
members who complete a new vehicle                                                            gasoline gift card will be, too. ((98924))                                                    4.75  % –         % APR*          6.99
loan** or transfer their current auto loan                                                    * APR = Annual Percentage Rate. Rates shown assume repayment by direct deposit or
                                                                                                                                                                                            Visa® Credit Card
                                                                                                payroll deduction and reflect a .50% discount. Auto loans for qualifying hybrids receive
to us will receive a $75 gasoline gift card as                                                  an additional .50% discount, for a rate range of 2.49% - 8.99% APR. Your personal           7.47  % or        % APR*            9.47
                                                                                                credit history will determine the rate for which you may qualify. Payment example – If
a thank you from the credit union. Just                                                         you borrow $20,000 at 2.99% APR for 60 months, your monthly payment would be                Education                           ✝
write PRoMo CoDE: 75th AnnIVERSARY on your                                                      $359.28 for a principal and interest total of $21,557.10.
                                                                                                                                                                                            6.00 % –                          9.75% APR*
                                                                                              ** Refinances of current credit union vehicle loans are not eligible for the 60-month
application or mention it when you call.                                                         discounted interest rate or the 75th Anniversary Gas Card Bonus.                          * aPR = annual Percentage Rate. Your personal credit history will
                                                                                                                                                                                             determine the rate for which you may qualify. all rates shown, except
                                                                                                                                                                                             our variable-rate Visa, assume repayment via direct deposit or payroll
                                                                                                                                                                                             deduction and reflect a .50% discount. auto loans for qualifying hybrid

Are you paying more interest than you should?
                                                                                                                                                                                             vehicles receive an extra .50% discount. all rates, terms, and availability
                                                                                                                                                                                             are subject to change without notice. See current rates and a com-
                                                                                                                                                                                             plete list of loans offered.
                                                                                                                                                                                             Payment example: If you borrow $20,000 with a 2.99% aPR auto loan

IF You Do noTHInG ElSE THIS YEAR to put                                                        Currently, the average credit card rate                                                       for 60 months, your monthly payment would be $359.28.

more money back in your pocket, do this:                                                       in the United States is 14.65% APR**,                                                                 Anticipated Dividends
Transfer your high-rate credit card balances                                                   as reported in’s weekly                                                           Computed Daily, Compounded and Paid Quarterly
to our 7.47% or 9.47% APR* variable-rate                                                       survey of the nation’s 100 most popular                                                                                                 CURRENT RaTE          aPY
                                                                                                                                                                                                Accounts with Direct Deposit/Payroll Deduction
Visa. You could save thousands!                                                                credit cards. ((32879))                                                                          & e-Statements
                                                                                                                                                                                               Savings Accounts

   How much will you save?                                                                                                                                                                        For balances up to $500.00

                                                                                                                                                                                                  For balances $500.01 and over
                                                                                                                                                                                                                                         7.50% 7.71%✝
                                                                                                                                                                                                                                          .50% .50%✝
   If you’re paying $200 a month on a credit card balance of $10,000 at 14.65% APR, here’s what you’d save                                                                                        accounts without Direct Deposit/Payroll Deduction and

   simply by moving that balance to our 7.47% APR Platinum Visa.                                                                                                                                  e-Statements will earn a current rate of .50% and .50% aPY on
                                                                                                                                                                                                  any account balance.
                                                                                                                                                                                                Accounts with Direct Deposit/Payroll Deduction
                                            Rate                          Time until payoff                          Total Interest                                                             & e-Statements
                                                                                                                                                                                               Checking Accounts
   national average** 14.65% APR                                          6 years, 6 months                          $5,537                                YOu SAVE                               For balances up to $500.00            7.50% 7.71%✝
                                                                                                                                                                                                                                         .25% .25%✝
                                                                                                                                                                                                  For balances $500.01 and over

   School Employees                         7.47% APR                     5 years, 1 month                           $2,017                                                                       accounts without Direct Deposit/Payroll Deduction and
                                                                                                                                                                                                  e-Statements will earn a current rate of .25% and .25% aPY
   Credit union                                                                                                                                                                                   on any account balance.

   ** Source: Weekly Credit Card Rate Report, April 13, 2011.
                                                                                                                                                                                               Education Savings 2.00% 2.02%
Our Visa has no annual fees or cash-advance fees, and you get the same low rate whether                                                                                                        Traditional IRA   1.00% 1.00%
you’re making a purchase or taking a cash advance. If you don’t yet have a credit union                                                                                                        Roth IRA          1.00% 1.00%
Visa, it’s easy to apply. Apply online or call us weekdays at 1-888-628-4010.                                                                                                                  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
* APR = Annual Percentage Rate. Minimum payment for all credit card types is 2% of the outstanding balance or $25.00, whichever is greater. The variable APR and credit limit for which        to earn the aPY shown above. Fees or other conditions may reduce
  you may qualify is determined by your personal credit history. The maximum APR that may apply over the life of the loan is 18.00%. Third party and credit union fees are estimated to        the earnings of the account. a $5 deposit is required to open a sav-
  be $0.00. Rates are effective as of May 1, 2011, and may change in the future. Please contact us or see our website for more information.                                                    ings account and maintain membership. $50 is required to open a
                                                                                                                                                                                               checking account.
                                                                                                                                                                                           ✝   aPY = annual Percentage Yield. 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%

                            Consolidate debt                                                        Final month: Win $250
                                                                                                                                                                                               APY on any amount up to $500 in their savings account and 7.71% aPY
                                                                                                                                                                                               on any amount up to $500 in their checking account. For amounts over
                                                                                                                                                                                               that, they’ll continue to earn the credit union’s regular competitive rates.

                            and save                                                                for yourself and $250
                                                                                                                                                                                               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 ac-
                                                                                                                                                                                               counts, the rate will be applied to the accounts that have been open the
                                                                                                                                                                                               longest. Youth accounts qualify without automated deposits. Specialty
                             GET DETAIlS onlInE AbouT
                             our Member First Personal
                                                                                                    for your school                                                                            accounts like IRas and UTTMa trusts are ineligible. Terms and condi-
                                                                                                                                                                                               tions of this program are subject to change without notice. Get details
                                                                                                                                                                                               online or contact us during regular business hours.

                             loan. You can borrow $500                                              In ouR 500 Reasons                                                                                 Advisory Committee
                            to $10,000 with rates starting                                          Why promotion, you
                           as low as 5.75% APR.*                                                    get a chance to win
                                                                                                                                                                                                     Renee Bernazzani
                                                                                                                                                                                                                                           Michael Morgan
                                                                                                                                                                                                     Laurel Browning                       Darren Nelson
                          *APR=Annual Percentage Rate.
                                                                                                    $250 for yourself and                                                                               Burlington
                                                                                                                                                                                                     Chris Burton
                                                                                                                                                                                                                                           Dr. Larry Nyland

                                 WHAT’S nEW
                                                                                                    $250 for the qualifying Washington                                                                  Enumclaw
                                                                                                                                                                                                     Kathy Clayton
                                                                                                                                                                                                                                           Michelle Price
                                                                                                    school of your choice every time                                                                    Spokane
                                                                                                                                                                                                     Steve Cole
                                                                                                                                                                                                                                              Moses Lake
                                                                                                                                                                                                                                           Dr. Steve Rasmussen

    Make your credit card as unique                                                                 you pay a bill with our FREE                                                                        Yakima
                                                                                                                                                                                                     Larry Francois
                                                                                                                                                                                                                                           Dr. Craig Schieber
    as you are                                                                                      Online Bill Payer system. You’re                                                                 Dr. Art Jarvis
                                                                                                                                                                                                                                           Karen Tarabochia
                                                                                                                                                                                                        Tacoma                                Seattle
                                                                                                    entered automatically when you                                                                   Dr. Connie Lambert                    Lisa Turner
    Imagine seeing your grandchildren, cherished pet, or                                                                                                                                                Ellensburg                            Wenatchee
    favorite vacation photo every time you use your Visa
                                                                                                    use both e-Statements and Online Bill                                                            Nancy Moffatt
                                                                                                                                                                                                                                           Dr. Nathan Walcott
    credit card. ((42518))                                                                          Payer. ((67471))
    Now you can! For just $10, you can put a personalized                                                                                                                                                 Board of Directors
    photo on your credit union Visa. Or, you can choose
    among breathtaking photos from our image library.
                                                                                                              Congratulations                                                                                        Borje O. Saxberg Chairman

                                                                                                            to Sid l. of Arlington
                                                                                                                                                                                                                Sandra M. Kurack Vice-Chairman
                                                                                                                                                                                                   Brian L. Benzel                       Linda S. Cowan
    Creating your own card is fast, easy, and fun using our
    online Design Center.
                                                                                                      and Western Washington university,                                                           William C. Bonaudi                    Shirley Liu-Hodgson

                                                                                                             our latest winners!                                                                   Roger A. Reimer
                                                                                                                                                                                                   Carl E. Tingelstad
                                                                                                                                                                                                                                         Richard A. Rutkowski

                                                                                                                                                                                                               Mary H. Johnson Director Emeritus

                                                                                                                                                                                                  Supervisory Committee
                                                                                                                                                                                                                    Carl E. Tingelstad, Chairman
If you spot your account number above in double parentheses, call us at 1-888-628-4010. You may have just won $100.                                                                                             Peggy Filer          George Holmgren

            Seattle address: 325 Eastlake Ave. E., PO Box 576, Seattle, WA 98111-0576 • Spokane address: 1500 West 4th Ave., Suite 150, 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 •

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