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Cecil County School Employees FCU Enewsletter

In this Issue

Summer Loans for Summer Fun
arrow The Kelly Group
arrow College: An Investment in Your Life
arrow Scholarship Winner
arrow Congratulations to Our iPad Winner!
arrow Classified Ads
arrow Reminders
arrow Holiday Schedule

Credit Union Info

Board of Directors
Fred L. Barrett, President
Randy Sheaffer, Vice-President
Donna L. Brown, Secretary
Betty L. Gray, Treasurer / Manager
Michele Dowdell
Edward Herr
James Raab
Thomas Shaffner
Sandra Smith

Education Committee
Josephine L. Cassidy
Carol Duff
Candace Vogelsong

Credit Committee
R. Eugene Clay, Chairman
Nelson Bolender
Gary Lewis

Supervisory Committee
Tom Shaffner, Chairman
Jeff Bundy
James Prigel
Maurice Tenney

Hours and Location

203 Booth Street
Elkton, MD 21921

Our representatives are available Monday through Friday during the
following times:

School Year Hours:
8:00 a.m. to 4:30 p.m.

Summer Hours:
June 20 through August 19
9:00 a.m. - 4:00 p.m.
Monday - Friday


North East:
3135 Biggs Highway,
Suite #6
North East, MD 21901

Our representatives are available Monday through Friday during the
following times:

School Year Hours:
12:30 p.m. to 4:30 p.m.

Summer Hours:
June 20 through August 19
12:00 p.m. - 4:00 p.m.


NEW: ATM Now Available!





Win and iPad!

Summer Loans for Summer Fun

Summertime fun has just begun and CCSEFCU is here to help you enjoy your summer plans even more with our personal loan options. Borrow up to $6,000 with a rate as low as 9.99% APR* we can help you add to your existing summer plans or transform them into something that you've always wanted. Whether you have ideas of a dream vacation, a summer wedding, or
a new pool, deck, or patio furniture,
we can help make it a reality**.

If your summer plans have been focused on
getting a new or used automobile, we have
auto loans to help you with that as well. We
offer new auto loans with flexible terms up to
72 months and a rate as low as 3.00% APR*.
Y our dream car is only a few steps away!

Already have a vehicle loan with a high interest rate at another
financial institution? Let us refinance your existing loan with a
new, lower rate and save you some money each month!

CCSEFCU has a loan to meet all of your summer needs.
Visit the credit union or call 410.398.6921 and talk to a Loan
Officer today.


*Annual Percentage Rate. Rates quoted above are for qualified borrowers. Your rate may
vary based upon your individual credit profile. Personal loan not risk rated.
**To qualify for 9.99% APR, loan must be new and a minimum of $2,000.


The Kelly Group (back to top)



Provided by Bryan E. Kelly, CFP and William S. Kelly, CPA, CFP


Protect Yourself from Fraud

If you're a survivor of the recent flooding, tornadoes, and thunderstorms that have affected parts of the country, you've probably got your hands full getting your life back in order. Unfortunately, the aftermath of these disasters also brings out unscrupulous scam
artists looking to prey on disaster victims. Some of the most common scenarios for fraud include credit fraud and fraudulent charities for disaster victims.

Credit Fraud
Surviving a disaster may leave you desperate for cash. Disaster victims may get a phone call offering a “guaranteed” loan or credit card at very low rates to help with the money crunch. While the rates for the
purported loan or credit may be low, these offers usually require an up-front security or processing fee. Once paid, neither the loan nor credit card is ever delivered. There are some legitimate companies that do
offer loans or credit to disaster victims. Most of these genuine companies will not “guarantee” credit before you apply, and they won't ask for a credit card number, bank account information, or Social Security number over the phone. And most reputable companies will
operate through the mail or via the Internet, allowing you to do some research first. If the company says its offer is a “one time deal” that you can only take advantage of over the phone, chances are it's a scam.

Charitable Fraud
You don't have to be a victim of a natural disaster to be caught in a related scam. You may want to help disaster victims by making donations to legitimate relief agencies, but there are also scammers looking to prey on your sympathies. Be leery of solicitors going door to door, even if they show credentials. If the solicitation is over the phone, ask for written information about the charity, including name, address, and website if available, and check with your state for information on the charity. Some phony charities will use a name similar to but not exactly the same as a well-known legitimate charity, so do some research before making that donation. It is an unfortunate fact that there are individuals out there looking to prey on those who are the most vulnerable. Be cautious – if something seems too good to be true, it probably is. A little common sense can help you avoid becoming victimized a second time.

Securities offered through Cambridge Investment Research, Inc., A Broker/Dealer, Member
FINRA/SIPC and Investment Advisor Representative. Cambridge Investment Research Advisor, Inc. a Registered Investment Advisor. The Kelly Group and Cambridge are not affiliated.





College: An Investment in Your Life (back to top)

Higher education is an investment that pays off for a lifetime, but tuition and other costs can be high. That's why Cecil County School Employees' FCU offers an education loan to meet your financial needs.

Our Interest-Only Student Loan has a great low rate of 9.00% APR* and requires interest-only payments while you're enrolled in school. The lower rate offered by this loan can save you money over the life of the loan.

For students in year one and two of school, you can borrow up to $2,500, with the amount increasing to $5,000 for students in years three and four.

Don't let anything stand in the way between you and your college degree –
let CCSEFCU help with an Interest-Only Student Education Loan today!
Stop by one of our branches or call 410.398.6921 for more information.




Scholarship Winner(back to top)

Congratulations to
this year's $1,000 scholarship
winner, Rachel Clewer! Rachel will
be attending Salisbury University in
the fall. Keep looking out for next
year's scholarship opportunities!









Congratulations to Our iPad Winner! (back to top)

And Our Loan
Promotion Winner Is…
Lisa Haney – who not
only got a low rate loan
but also won a new iPad!
Congratulations, Lisa!



Classified Ads (back to top)



Reminders: (back to top)





Holiday Schedule (back to top)

Please note that your Credit Union will be closed in observance of the following holidays:

Independence Day
July 4, 2011

Labor Day
September 5, 2011

Columbus Day
October 10, 2011


Cecil County Schools
Employees' Federal Credit Union