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Cecil County School Employees FCU Enewsletter


In this Issue

Here Comes Santa Claus with a Holiday Loan for You from CCSEFCU!
arrow The Kelly Group
arrow We Wish You a Merry Christmas with Our Skip-a-Loan Payment Program!
arrow Two Ways to Save With an Auto Loan from Cecil County School Employees’ FCU
arrow Credit Union Scholarships
Accepting Applications Now!
arrow Reminders!
arrow Classified Ads
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
Gary Lewis

Supervisory Committee
Tom Shaffner, Chairman
Jeff Bundy
Maurice Tenney

Hours and Locations

Elkton:
203 Booth Street
Elkton, MD 21921
Telephone:
410-398-6921
Fax:
410-398-0032

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

Hours:
8:00 a.m. - 4:30 p.m. EST

 

North East:
3135 Biggs Highway,
Suite #6
North East, MD 21901
Telephone:
410-287-8060
Fax:
410-287-8176

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

Hours:
Monday thru Thursday
12:00 p.m. - 4:30 p.m. EST
Friday
12:00 p.m. - 5:30 p.m. EST

 

NEW: ATM Now Available!

 

TellerLine:
1-800-388-8380

Online:
www.ccsefcu.org


 




Here Comes Santa Claus
with a Holiday Loan for You from CCSEFCU!

Are you looking forward to decking your halls for the holidays, but you’re finding yourself short on cash? Ready to get started putting all kinds of presents under the tree, but not sure how you’re going to afford it? Well, no need to worry – here comes CCSEFCU with a sack of goodies to help you have the best Christmas ever!

Whether you want to whisk the family away to a winter wonderland, or you just need help filling their stockings, we’ve got a loan for you. You can borrow up to $1,500 with a rate of 7.99% APR*, so you won’t have to be a scrooge to anyone! Loans have to be repaid by June 30, 2014. This special offer is only good from November 1st through December 18th, though, so don’t wait too long. Come in today and get ready to spread some Christmas cheer!

*Annual Percentage Rate. Rates are subject to change and depend upon creditworthiness.

 

 

The Kelly Group (back to top)

 

 

 

We Wish You a Merry Christmas with Our Skip-a-Loan Payment Program! (back to top)

Need a little Christmas cheer to help you get in the spirit of the season? Want a gift you can really use? Well, Santa and all his elves couldn’t do better than this! With CCSEFCU’s Skip-a-Loan Payment Program, your holidays are sure to be merry and bright!

You can choose to skip either your December 2013 or your January 2014 payment, and you can skip a payment on each loan you have with CCSEFCU. If you’re current on your loans, and you’re not overdrawn on your checking or savings accounts, you qualify! Note: only two bi-weekly payments may be skipped for any given month. There’s just a $25 processing fee per loan, and applying couldn’t be easier.

 

 

 

Two Ways to Save With an Auto Loan from
Cecil County School Employees’ FCU
(back to top)

Here at CCSEFCU, we’re always looking for ways to save you money. That’s why we’re excited to tell you about our terrific auto loan offers.

 

 

If you’re in the market for a new car, we’ve got great news for you! Our loan rates for new cars are as low as 1.89% APR*! Plus, when you prequalify for an auto loan with us, you’ll be able to take advantage of dealers’ year-end closeouts. Our low rates, combined with those year-end bargains, can really save you money!

 

 

Our rates on auto refinancing are as low as 2.49% APR*, so you can leave behind your high rate loan, lower your payments, and save money with CCSEFCU.

Whether you’ve already bought a new car, or you’re just getting ready to start shopping, let CCSEFCU help with the financing – one way or the other, we’ll be sure to save you money!

*Annual Percentage Rate. Rates are subject to change and depend upon creditworthiness. We will not refinance existing CCSEFCU loans. Rates quoted reflect a .25% deduction for automatic payment.

 

 

 

Credit Union Scholarships Accepting Applications Now!
(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? What can you do to help yourself become financially literate, and what can CCSEFCU do to help?"

All essays must be forwarded to the credit union at 203 Booth Street, Elkton, MD by April 11, 2014 for a decision to be made by May 9, 2014. For more information, contact the credit union office at 410-398-6921, or email info@ccsefcu.org.

Visit www.ccsefcu.org/scholar.htm for information on a scholarship from Credit Union Foundation of MD & DC.

 

 

 

Reminders!
(back to top)

 

 

 

 

Classified Ads (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 – October 14, 2013

Training Day – Nov. 5, 2013
Branches open at 1:00 p.m

Veterans Day – Nov. 11, 2013

Thanksgiving – Nov. 28-29, 2013

Christmas – Dec. 24 - 26, 2013

Shortened Hours – Dec. 23, 27, 30, 31, 2013:

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

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

New Year’s Day – January 1, 2014

 

 



Cecil County Schools
Federal Credit Union