You now have access to 45,000 surcharge-free ATMs nationwide - more than 200 of them are in and around Lorain County. Refer to our Web site or call for listings of the ATMs nearest you. This is just another way of being more convenient to you, especially with higher gas prices.

We’ve established Overdraft Advance in addition to the other forms of Overdraft Protection we offer. Most everyone with a SELCCU Checking Account is automatically enrolled to cover the embarrassment of having a check returned or a debit card transaction declined if they don’t have enough money in their account.

From July 1 - Aug. 30, 2008, SELCCU is offering variable auto loan rates as low as 3.99% APR* on new vehicles and 4.99% APR* on used vehicles.

With your loan, you’ll be automatically entered in a weekly drawing for a chance to win a $50 Visa Travel Card.** You’ll also be eligible for the GRAND PRIZE drawing for a Garmin Auto GPS.**

See us before you buy to get pre-qualified for your loan. Or let us refinance your car loan from another financial institution.

Apply in person, through SELCCU Online or call 440-324-3400 / 800-451-6315.

* Annual Percentage Rate. Rate locked until Dec. 31, 2008. Variable rate of 3.99% for new vehicles. Maximum adjustment is .25% per quarter with a cap of 6.99% APR for new vehicles. Sample payment based on new vehicle variable rate of 3.99% APR for 60 months=$18.42 per $1,000 borrowed. Variable rate of 4.99% APR for used vehicles model year 2002 or newer. Maximum adjustment is .50% per quarter with a cap of 7.99% APR for used vehicles. Sample payment based on used vehicle variable rate of 4.99% APR for 48 months=$23.03 per $1,000 borrowed. SELCCU will finance up to 100% of the MSRP on new autos and up to 100% of the NADA retail value on used autos. All new loans require application and credit approval. Rates and terms are subject to change without notice. Other rates and terms available. Limited time offer. Promotional rates effective July 1-Aug. 30, 2008. Apply in person, through SELCCU Online or by calling 440-324-3400 or 800-451-6315.

As part of our People Helping People philosophy, SELCCU participates in volunteer activities for community and social service agencies. Members are invited to participate in these activities.

Thanks to member involvement we collected more than 400 items for Genesis House, which assists victims of domestic violence. In June, we collected a boxload of toys, games, arts and crafts supplies and office supplies for the Children’s Developmental Center.

These tips from the Internal Revenue Service (IRS) can help you prepare for some possible tax breaks:

If you are (or soon will be) a newlywed:

Working students may be exempt from withholding taxes. This is dependent upon several factors: whether you can be claimed as a dependent on your parents’ tax return, your income, any unearned income (interest, dividends, etc.) and having no tax liability for the previous year. Your parents or their financial advisor can offer guidance.

Another tax break for the season... summer camps. Many working parents must arrange care for children younger than age 13 during the school vacation period. The cost of day camp can count as an expense towards the child and dependent care credit.

Expenses for overnight camps do not qualify. If your childcare provider is a sitter in your home, you’ll get some tax benefit if you qualify for the credit. The actual credit is also based on your income.

For more information, check out the IRS Web site at www.irs.gov.

SELCCU is pleased to announce this year’s scholarship recipients:

The Warren Wallace Education Major Scholarship was awarded to Dana Thoms of Amherst, OH. The ‘08 graduate of Firelands H.S. will attend Heidelberg College to major in early childhood education.

Scholarships were awarded in the amount of $1,000 each toward higher-education pursuits.

Kelley Scheiferstein, Financial Services Representative and SELCCU Young Adult Scholarship Program Coordinator, awards David Siefker with a $1,000 scholarship. David was one of four young members to receive a scholarship this year. In the fall, he will attend the University of Toledo to study mechanical engineering.

Find out what you may qualify for by signing up for and/or using Bill Pay to pay at least three bills between June 1-July 31, 2008.

Join us at Lorain County Community College University Center, Room 325 on Tuesday, July 8 from 6-7:30 p.m. SELCCU representatives will provide an overview on use of our online services and the information available through the credit union Web site.

To help make the most of your learning experience, please sign up for SELCCU Online at least 48 hours before the seminar. Log on to www.selccu.org and click on “Account Log In” on the upper right side of your computer screen.

At the SELCCU Online Welcome page, scroll down and click on “Learn More About SELCCU Online and How to Enroll.” This will take you to the online enrollment form. Once you complete the form, click on “Submit.”

You will receive an e-mail with your password within 24 hours. You’re encouraged to bring any bills you’d like to set up on our Bill Pay service, as well as your SELCCU Visa Credit Card for eZCard Info enrollment.