Newsletter - SECNY Federal Credit Union

January 2015
It’s your year
to shine.
We can help.
Lose the wait. Get eStatements.
FAST. FREE. SECURE.
To sign up:
1. Go to www.secny.org and log into your account(s) via Virtual Branch.
2. Select the “Self Service” tab at the top.
3. Locate “Additional Services” and select “eStatements”.
4. Follow the prompts for setup.
Serving Everyone in Central New York!
Make 2015 the “year of the vehicle”.
Auto Loans
1.75%
as low as
Up to 60 mos.!*
APR*
As low as 1.75% APR is the advertised rate and can vary based on creditworthiness, age of vehicle
and terms of the loan. Your rate can be higher or lower depending on credit performance.
Financing up to book value of the auto is available. “As low as” Rate requires Automatic Payment,
SECNY Checking Account and Direct Deposit otherwise, add 0.50%. Rates are subject to change
without notice. Contact SECNY for details.
1
$50 OFF
the lowest advertised
price on either
Undercoating
Necessary protection from Syracuse rust! Proven effective on new and used cars.
LOCATIONS:
Syracuse
980 Hiawatha Blvd. West
315-471-3003
Cicero
6174 S. Bay Rd.
315-699-4944
OR
Rhino Linings® Spray-On Bed Liner
Must bring this coupon to receive discount. Expires 2/28/2015
Special for
Members Only!
SECNY Scholarship Program
2015
This year,
SECNY will
award
five $1,000
Scholarships
to high school
seniors.
Apple PayTM
Applications for the 2015
Scholarship Program are
available at all SECNY
offices (and online at
www.secny.org).
Completed applications
must be postmarked by
January 31, 2015.
Home Equity Line of Credit
as low as
With Apple Pay™,
you can pay with
your SECNY Visa
CREDIT Card right
from the new
iPhone® and new
iPad®.*
0.99%
APR1
NO CLOSING COSTS!2
APR = Annual Percentage Rate. As low as
0.99%APR locked in for 1 year. Rate expressed
for Line of Credit is variable and can be adjusted
annually on the first day of the month following
the anniversary date of opening. The rate is based
on an Index Rate of the Wall Street Journal Prime
Rate. There is no limit on the amount by which
the Annual Percentage Rate can change during
any one period up to the maximum permitted
by law. Loan rate and amount is based on credit
qualifications and available equity in property. “As
low as” Rate requires Automatic Payment, SECNY
Checking Account and Direct Deposit. Otherwise,
add 0.50%.Subject to change without notice.
Home Equity Lines of Credit currently financed
through SECNY Federal Credit Union cannot be
refinanced with this offer. Contact any SECNY
office for details.
1
All fees paid in conjunction with the loan are
subject to recapture if the loan is closed within
three years.
2
COMING SOON!
SECNY DEBIT Card
service through
Apple Pay™!
For details, visit secny.org
and click
“Credit Card Access”.
*
Privacy Policy/Fee Schedule Notification
To obtain our current Privacy
Policy, visit any SECNY branch
OR go to www.secny.org and
click on Privacy Policy at the
bottom left of the homepage.
To obtain our current Fee
Schedule, visit any SECNY
branch OR go to www.secny.
org and click on Rates in the
menu at the top, then Fees.
44th Annual Meeting
& Board of Director Nomination Results
SECNY’s Board of Directors previously
announced one position to be filled.
The Nominating Committee received
one nomination for one open position.
With no other nomination forms
received, current Board Member:
Wednesday, March 18, 2015
6:00pm
Main Office-Onondaga Hill
4727 W. Seneca Turnpike
Chris Harris
will succeed himself by acclamation for
another 3-year term.
Dividend
Rate Declaration
The following schedule of dividends has been declared by the
Board of Directors for the 4th Quarter 2014:
TYPEAPR APY
01 Regular Share (min.$100) 0.03 0.03
10 Club (Holiday) 0.03 0.03
11 Club (Vacation) 0.03 0.03
75
Draft/Checking
No Dividend
79 Cash Management (>$75,000) 0.20 0.20
Cash Management ($50,000-$74,999.99) 0.15
0.15
Cash Management ($25,000-$49,999.99) 0.10 0.10
Cash Management ($10,000-$24,999.99) 0.05 0.05
Cash Management (min. $2,000-$9,999.99) 0.03 0.03
81 IRA Activity Account (>$10,000) 0.05 0.05
IRA Activity Account ($100-$9,999.99) 0.03 0.03
61 Escrow Accounts No Dividend
Dividend rates are declared by the Board of Directors quarterly.
Please note that the minimum balances must remain in accounts for the entire period to
qualify for a dividend. All accounts are federally insured by the National Credit Union
Administration (NCUA). All rates subject to change without notice.
APR - Annual Percentage Rate APY - Annual Percentage Yield
Locations & Hours:
Main Office-Onondaga Hill
4727 West Seneca Turnpike
PO Box 15040
Syracuse, NY 13215
(315) 469-5599
Fax (315) 469-5921 secny@secny.org
Hours:
Mon.-Fri.
8:30am-5:00pm
Sat.
9:00am-12:00pm
Baldwinsville Office
2235 Downer Street
Baldwinsville, NY 13027
(315) 635-5418
Fax (315) 635-5422
baldwinsville@secny.org
Lobby Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Drive Thru Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Mortgage Services (315) 638-7061
Mortgage Fax (315) 638-7103
mortgages@secny.org
Manlius Office
115 Fayette St.
Manlius, NY 13104
(315) 682-1174
Fax (315) 682-1176 manlius@secny.org
Lobby Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Drive Thru Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
North Syracuse Office
3819 Brewerton Road (U.S. Rte. 11)
North Syracuse, NY 13212
(315) 214-2995
Fax (315) 214-2926 nsyr@secny.org
Lobby Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Drive Thru Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Skaneateles Office
32 Fennell Street
Skaneateles, NY 13152
(315) 554-8070
Fax (315) 554-8099 skan@secny.org
Lobby Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
Drive Thru Hours:
Mon-Fri.: 8:30am to 5:00pm
Sat: 9:00am to 12:00pm
ALL SECNY Offices will be
CLOSED
Monday, January 19th
Martin Luther King, Jr. Day
secny.org