The Register - April 2008

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Stop Searching for the Right Checking Account ... It’s Here!

With a SELCCU Checking Account, you’re eligible for:

	Monthly dividend **
	150 FREE checks*
	Unlimited check writing
	No monthly service fees***
	No minimum balance***
	FREE Overdraft Protection
	FREE Bill Pay
	FREE e-Statements

You can access your account any time through:

	SELCCU Online - anywhere you have Internet access -
	Touch-Tone Teller - our 24/7 automated phone line -
	3,000 Shared Branching locations across the U.S. -
	Thousands of SURCHARGE-FREE ATMs nationwide

Special Offer

♦ Special Offer ♦
Available May 15 - June 30, 2008

Open a Checking Account and you may qualify to receive a 1/4% discount off the APR* on a new loan with payments by Direct Deposit or Automatic Transfer.

** Annual Percentage Yield. APY is .25% on all SELCCU checking products. Dividend rate is calculated daily and compounded monthly on balances of $50 or more. Minimum deposit is $25 to open an account.

* 150 free checks valid with this offer only, May 15-June 30, 2008.

*** Not available with all checking products. Ask a Financial Services Representative for terms and conditions.

♦ Annual Percentage Rate. Discount of 1/4% applies to the loan until balance is paid in full. Applies to new fixed rate loans only. Excludes real estate loans, variable rate loans and credit cards. Fixed rate APRs are between 5.50% - 13.50%. Sample payment on a fixed rate loan with 5.50% APR for 36 months=$30.20 per $1,000 borrowed. Sample payment on a fixed rate loan with 13.50% APR for 36 months=$33.95 per $1,000 borrowed. All new loans require application and credit approval. Rates and terms subject to change. New loans must be disbursed May 15-June 30, 2008. Other rates and terms available. Limited time offer. Promotional rates effective May 15-June 30, 2008. Apply in person, through SELCCU Online or by calling 440-324-3400 or 800-451-6315.

SELCCU Expands Network of Surcharge-Free ATMs

SELCCU has expanded its ATM network! As a member, you have access to thousands of surcharge-free ATMs in all 50 states. If you already have a SELCCU ATM or Visa® Check Card, you can use it today ... there is no sign-up fee and no forms to fill out.

For a list of the expanded ATM locations, log on to www.selccu.org and select the CreditUnion24 symbol on the right-hand side of your computer screen. As our network continues to grow, we’ll keep you posted.

Care Connection: Children’s Developmental Center

During the month of May, SELCCU will collect office supplies, arts and crafts supplies, toys and games for the Children’s Developmental Center in Amherst.

All donations will be used by the Center to treat infants, toddlers and young children through speech, physical and occupational therapies, as well as audiology and psychology.

Members are invited to participate in this community outreach project. A complete “wish list” will be posted in our lobby and on our Web site - www.selccu.org.

Children

Go Green with FREE Online Services

Through SELCCU’s recycling efforts, we were able to save 81 trees in 2007. We can help you “go green” with all of our FREE online services. They’re convenient, easy-to-use and reduce the amount of paper you receive and use:

SELCCU Online: Your online access to your accounts anywhere you have an Internet connection. View current account balances, make loan and Visa® payments, verify cleared checks, make account transfers and more!

Bill Pay: Track payments and view six months of e-bills and payment history. Set up your account in just minutes, then you can track payments instantly ... all from one convenient location. Pay anyone, even the babysitter, on your schedule. Payments will arrive on time--guaranteed!

e-Statements: You can view and print your regular statements, and review statements for the past 12 months at your convenience.

eZCard Info: Manage your Visa Credit Card account online. Check your statements and credit card activity anytime.

Log on to www.selccu.org for more information. SELCCU uses the latest technology through a secure site on the Internet to ensure your personal information remains private and protected.

Don’t forget Touch-Tone Teller!

Our automated phone line is available 24 hours a day, seven days a week for your convenience. Call 440-324-2445 or 800-850-4539 any time to review your recent transactions and cleared checks, obtain account balances, make loan payments, check withdrawals or account transfers.

Should You “Freeze” Your Credit Report?

A credit freeze is a way to block your credit report, making it more difficult for an identity thief to get a new loan or open a new credit account in your name. To place a freeze on your credit file, you have to contact all three credit bureaus—Equifax, Experian and TransUnion—and pay a fee of $10-$12 each. They will then supply you with a personal identification number (PIN) in case you decide to lift or remove the freeze.

So, how do you know if freezing your credit report is the right step? If you’ve lost or misplaced a credit card, a freeze is probably overkill. A freeze is also not an option if you anticipate applying for new credit (credit card, home or auto loan, line of credit, etc.). You might want to consider a freeze if:

You’ve already been a victim of new account fraud.
You’ve been told your personal identifying information has been compromised.
Your wallet or purse is missing.
You suspect a relative, friend, acquaintance or employee has been less than honest.

For more information, log on to www.FinancialPrivacyNow.org or contact one of the credit bureaus: Equifax 800-525-6285; Experian 888-397-3742 or TransUnion 800-680-7289.