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Cecil County School Employees FCU Enewsletter

In this Issue

$400 giveaway!
arrow Holiday Loans Are Here!
arrow Take a Holiday from Your Loans with Our Skip-a-Loan Payment Program!
arrow The Kelly Group
arrow Annual Scholarship Program
arrow 2012 Scholarship Winner
arrow 24 Hour ATM
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
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. EST


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:
12:00 p.m. to 4:30 p.m. EST

NEW: ATM Now Available!





$400 giveaway!

Through December 31, 2012, any member that refers a new member will be entered to win $200, AND the new member will also be entered into another $200 drawing! Join our family today by visiting one of our branches, or get more information by visiting ccsefcu.org.

Discover the Credit Union difference when banking with Cecil County School Employees’ FCU.



Holiday Loans Are Here! (back to top)

Christmas can be hard on your wallet! If you feel like you’ve been tightening your belt all year but still don’t have enough jingle in your pocket, we’ve got what you need! You don’t have to cry, you don’t have to pout – CCSEFCU is here to help out!

You can borrow up to $1500 with a rate of 7.99% APR*, so our Christmas loan special is just right to make your holiday less stressful. Loans have to be repaid by June 30, 2013, so you’ll be able to have yourself a merry little Christmas without worrying about big loan payments. This special offer is only good from November 1st through December 14th, though, so don’t wait too long – pull out that sleigh, hook up the reindeer, and come on in to CCSEFCU. Let us help you make sure that it will be a holly jolly Christmas for everyone on your list!

*Annual Percentage Rate.



Take a Holiday from Your Loans with Our Skip-a-Loan Payment Program! (back to top)

Stressed out by all those holiday expenses? Looking to enjoy a little extra relaxation this Christmas? Longing to kick back and enjoy the simple pleasures?

Well, have we got a gift for you!

With CCSEFCU’s Skip-a-Loan Payment Program, you’ll get just the break you need!

You can choose to skip either your December 2012 or your January 2013 payment, and you can skip a payment on each loan you have with CCSEFCU. Note: Only two bi-weekly payments may be skipped for any given month. If you’re current on your loans, and you’re not overdrawn on your savings or checking accounts, you qualify! There’s just a $25 processing fee per loan, and applying couldn’t be easier!



The Kelly Group
(back to top)



Annual Scholarship Program (back to top)

$1000 to be Used at Any Accredited College or University

This scholarship program is for CCSEFCU members only. Students may join the credit union and then apply. All students in the Cecil County Public School System, Tome School, and Tri-State Academy are eligible for membership.

Guidelines to enter for upcoming college students:

  • Be and/or become a member of CCSEFCU
  • Be a high school senior
  • Have a GPA of 2.5 or above
  • Submit a two page double-spaced essay on the topic: “Is personal financial education important? How can Cecil County School Employees’ FCU help you become financially literate?

All essays must be forwarded to the credit union at 203 Booth Street, Elkton, MD by April 19th, 2013 for a decision to be made by May 10th 2013. For more information, contact the credit union office at 410-398-6921 or e-mail info@ccsefcu.org.

PLUS – two other scholarships are available, visit www.ccsefcu.org to see all scholarship opportunities.




2012 Scholarship Winner
(back to top)

Congratulations to Kathryn Kerns on being named this year’s winner of our annual $1000 scholarship! Kathryn is attending Towson University.









24 Hour ATM (back to top)

We offer easy access to your account with our 24-Hour ATM located at our North East office!







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:

Columbus Day – Oct. 8, 2012

Training Day – Nov. 6, 2012
Branches open at 1:00 p.m

Veterans Day – Nov. 12, 2012

Thanksgiving – Nov. 22-23, 2012

Christmas – Dec. 24 - 26, 2012

Shortened Hours – Dec. 27-31, 2012:

9:00 a.m. - 3:00 p.m.

North East
12:00 p.m. - 3:00 p.m.

New Year’s Day – Jan. 1, 2013



Cecil County Schools
Federal Credit Union