SELCCU  

School Employees Lorain County Credit Union, Inc.

 
Growing together since 1958
   
 

 
Home
Contact Information
General Information
Checking
Savings
Loans & Visa
Gift & Travel Cards
Rates
Calculators
Financial Planning
Applications/ Forms
Repos
Ambassadors
Newsletters
Quickview

  

Office Hours
Monday -Tuesday -Thursday
9 a.m. - 5 p.m.

Wednesday
10 a.m. - 5 p.m.

Friday
9 a.m.- 5:30 p.m.

Saturday
9 a.m.- 12:30 p.m.

Sunday
Closed

 
Address
340 Griswold Road Elyria, OH 44035
 
Office Phone Numbers
Main Office
440-324-3400
Toll Free
800-451-6315
Fax
440-324-3292
Touch-Tone Teller
440-324-2445
800-850-4539
 
Lost/Stolen Cards
ATM & Visa® Check Card
800-523-4175
Visa® Credit Card
800-991-4961
Visa® Gift or Travel Card
866-496-6183

 

 

The Register

May 2008

bulletReward Yourself with a New Checking Account!
bulletAngry about the Price of Stamps? Don’t Get Mad ... Get Bill Pay!
bulletWith a Visa Gift Card, it’s Always the Season of Giving
bulletSome Traveling Companions are Better Than Others ... Take a Visa® Travel Card
bulletBefore You Go, Let SELCCU Know
bullet50th Anniversary Booklet
bulletBeware of ‘Hot Dog Debt’
bulletAttention High School Seniors
  
Click here to view the newsletter in .pdf format.
  
 Reward Yourself with a New Checking Account!
  Through 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.

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

bulletMonthly dividends **
150
bulletFREE checks*
Unlimited check writing
bulletNo monthly service fees***
bulletNo minimum balance***
bulletFREE Bill Pay
bulletFREE e-Statements•

You can access your account any time through:

bulletSELCCU Online - anywhere you have Internet access
bulletTouch-Tone Teller - our 24/7 automated phone line
bullet3,000 Shared Branching locations across the U.S.
bulletThousands of SURCHARGE-FREE ATMs nationwide

Stop in, call 440-324-3400 / 800-451-6315 or log on to www.selccu.org.

** 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.

 
 Angry about the Price of Stamps? Don’t Get Mad ... Get Bill Pay!
 

Don’t Get Mad ... Get Bill Pay!You can save time AND money with Bill Pay. Bill Pay is a FREE service that allows you to pay your bills online, track payments and view six months of e-bills and payment history, all from one convenient location.

Make electronic payments for your credit cards, utilities, mortgage, even the babysitter. Payments will arrive on time—guaranteed. We use a secure site on the Internet so your information remains safe and private.

If you’ve already signed up for SELCCU Online, you can set up your Bill Pay account in just minutes. If you haven’t enrolled in SELCCU Online, you can sign up through our Web site. To learn more, log on to www.selccu.org.

  With a Visa Gift Card, it’s Always the Season of Giving
VISA Gift CardGraduation. Wedding. New baby. Just because. If you are always at a loss to find the perfect gift, SELCCU now offers the Visa® Gift Card. The Gift Card is a prepaid card that can be used at millions of locations where Visa debit cards are accepted, including retail stores, online merchants, mail orders and phone orders.

Because the card is prepaid, spending is limited to the initial amount of money you place on the card at the time of purchase ($10 - $1,000). Now your friends and loved ones can buy what they want, when they want, where they want. Ask one of our Financial Services Representatives for more details.

* SELCCU fee is $3 per card. For complete terms and conditions, please see a Financial Services Representative. Issued by MetaBank, a federal savings association, pursuant to a license from Visa U.S.A. Incorporated.

 Some Traveling Companions are Better Than Others ... Take a Visa® Travel Card
Take a VISA® Travel CardSummer’s almost here and, like most people, you are probably making travel plans. Whether you’re going across the country or to a foreign destination, pack a Visa® Travel Card*. The Visa Travel Card is a prepaid, reloadable debit card and is a convenient alternative to travelers cheques or cash.

At the time of purchase, you may load up to $3,000 on the card. The Visa Travel Card is accepted at millions of places worldwide—wherever you see the Visa symbol. Unlike cash, the Travel Card can be replaced if lost or stolen. You can use it for point-of-sale transactions or at any ATM. Ask one of our Financial Services Representatives for more details.

* SELCCU fee is $9 per card. For complete terms and conditions, please see a Financial Services Representative. Issued by MetaBank, a federal savings association, pursuant to a license from Visa U.S.A. Incorporated.

  Before You Go, Let SELCCU Know
 

Before You Go, Let SELCCU KnowIf you plan to use your SELCCU Visa® Credit Card, Check Card or ATM Card while traveling, please call us or stop by our office before you leave on your trip. Visa notifies us of any activity out of the ordinary, such as transactions outside the normal geographic region, international transactions and some Internet purchases.

Make sure SELCCU has an updated cell phone number and/or an e-mail address. If we suspect fraud, we will attempt to contact you immediately. If we cannot reach you to confirm the transaction, we may need to block your card.

  50th Anniversary Booklet
 

If you would like a copy of the commemorative booklet produced in honor of SELCCU’s 50th anniversary, a limited number of copies are still available in the lobby.

 Beware of ‘Hot Dog Debt’
  Hot Dog DebtAccording to CardWeb.com, which tracks consumer credit and debit card transaction trends, American consumers are charging billions of dollars in fast food each year. In a weak economy, people will cut back on big splurges, such as expensive vacations and shopping trips, but neglect occasional expenses.

With nearly every major restaurant chain offering credit card payments as an option, these small purchases add up over time and can become chronic credit expenditures. In addition, using plastic for fast food is more likely to increase the amount you spend by 25 to 30%. Instead of spending $6, you may end up spending $8.

Quick Tip: Monitor your smaller frequent charges. If you’re using your credit card too much, try using cash or your debit card.

Source: articles.moneycentral.msn.com/SavingandDebt/ManageDebt/The WorstKindOfDebtChargingTheGroceries.html

  Attention High School Seniors
  Heading off to college in the fall? Enlisted in the military? Moving out and moving on? Don’t forget ... once a member, always a member even if you move out of the area. Because SELCCU belongs to extensive Shared Branching and ATM networks, there’s no reason for you to change financial institutions.

SELCCU is a member of Shared Branching, a network of more than 3,200 credit unions nationwide. At a Shared Branching location, you can make deposits, withdrawals, transfers, loan payments or account balance inquiries. Remember to have your account number(s) and photo ID when visiting a Shared Branching location.

You also have access to THOUSANDS of SURCHARGE-FREE ATMs in all 50 states. In addition, our FREE services: SELCCU Online, Bill Pay, eZCardInfo for Visa®, Touch-Tone Teller and e-Statements mean access to your account is always at your fingertips.

For more details, log on to www.selccu.org.

 

 

 

 

 
 

National Credit Union Administration

Equal Housing Lender

ESI Share Insurance
    
   

E-Statements Information

e-Statements are available only through SELCCU Online. Please make sure you’ve enrolled in SELCCU Online before requesting e-Statements.

To view your statement electronically through SELCCU Online
Apply Here

   

   

   


  
Click here for
ATM listings.

   

    

Credit Union 24

Click here for ATM listings.

 
  

CU Service Centers
Click here for
Shared Branching Locations

   
   

Reord check here!
  

Click here
to re-order your checks.

  
   

Verified by VISA
Register Your Visa® Card for Online Shopping!
    click here!

  

   

Join!

e-News List

Sign up for the SELCCU
e-News List - the fastest way to get credit union updates. You'll be the first to hear of special events, and loan promotions! You'll get 2-3 messages every month, and it's FREE!
     

E-mail update
Need to update your E-mail address?