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| Wanted: New members. $25 Reward! | |
| IBM Southeast EFCU is making room for new members. We want to share ourfinancial expertise with more people in our community - so we're extending aspecial invitation to the families and co-workers of all those who are alreadyenjoying the benefit of membership. We're offering you a $25 reward, deposited directly to your Credit Union savingsaccount, when you refer a new member to us!* Here's how easy it is to earn your reward: |
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So check your phone list, make a few calls... and refer a new member today.Tomorrow, you can be $25 richer! *IBM Southeast EFCU Membership Deposit and Loan accounts are subject to qualification and/or credit approval, andcertain conditions may apply. For further details, please refer to Important Information for Our Members Membership Fees & Service Charges and Your Loan Disclosures - or contact a Member Service Representative. Credit Unionemployees are not eligible. To be eligible for a $25 reward, your name (as the referrer) must appear on the membershipapplication. Reward available on new memberships opened after January 1, 2003. Offer subject to change without notice. | |
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| Bring Home Greater Financial Leverage | |
| Leverage means power - power to do the things you want to do, solve theproblems that can't be put off, and get a head-start on your plans for the future. One way to gain financial leverage is by putting your valuable assets to work.For most of us, a home represents our most significant financial asset - an assetthat has probably grown in value in today's soaring real estate market. So it may betime to consider a Home Equity Line of Credit (HELOC) from IBM Southeast EFCU* |
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| A Home Equity Line of Credit allows you to leverage the rising value of your hometoday, without waiting for the day you decide to sell. You'll have money available for awhole range of important personal or family needs: home improvements and repairs,medical expenses, tuition fees, even consolidating your other debts. Interest rates canbe attractively low - and you can use your funds as needed over the life of the term. Here are some of the advantages you should consider*:
*Credit is subject to approval. Certain restrictions apply to 100% financing and no closing costs offer. Please referto our publications When Your Home is on the Line, Important Terms of our Home Equity Line of Credit, andYour Loan Disclosures available on our Web site at www.ibmsecu.org. Or contact a Mortgage representative fordetails on rates, terms, fees, and conditions.**Consult your tax advisor regarding your individual situation. | |
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| New Credit Monitoring Service | |
It’s important now, more than ever, to keep a close eye on your credit. With the help ofyour Credit Union, along with Equifax, you can now monitor your credit online!*Our Credit Monitoring Service offers a variety of services ranging from $9.00 to $69.95per year:
*Equifax Credit Watch monitoring service administered by Equifax Information Services, LLC. |
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| Financial Services - With Emphasis on the Services | |
| In today's fast-changing financial world, saving money isn't enough. You need to investyour savings wisely. Set targets to achieve your goals. Anticipate upcoming needs.And plan for retirement, medical expenses and other long-term financial needs. We invite you to talk to one of our independent Financial Services Representatives.They're specially trained to evaluate your needs, answer your questions, and help youdevise a total financial services package customized to your individual goals. They can open up access to a wide range of investment opportunities*, includingofferings from Aetna, Oppenheimer, MFS, Putnam, Janus and many others. Contact a Financial Services Representative today: In Boca Raton, call Christi Seay at 561.982.4700, ext. 4772. In Tampa, contact Barbara Leschander at 813.222.2223. In Atlanta, call Jay Jones at 678.797.6303. For all other areas, call 800.873.5100, ext. 4772. *Securities offered through Wellstone Securites, LLC. Member NASD/SIPC. Investment products offered are notFDIC, NCUA or NCUSIF insured. Investment products are not obligations of or guaranteed by the Credit Union,involve investment risk including the possible loss of principal, and may lose value. | |
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| Find Any Money Lately? | |
| Find the answer in our newsletter to the following question. You could win $50! Q: Which service makes the car buying or leasing process simple for you? E-mail your answer before May 30, 2003 to marketing@ibmsecu.org. Include your name, phone number, and membership number. If you don’t have e-mail, mail the above information to Marketing, IBM Southeast EFCU, P.O. Box 5090 Boca Raton, FL 33431-0890.If your answer is correct, we’ll enter your name in a random drawing to win $50, which will be automatically deposited into your Credit Union savings account! (Winner will be announced in the July 2003 newsletter. Previous winners, employees and their family members are not eligible.) | |
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| And The Winners Are... | |
| Congratulations to Joseph Fedota from Atlanta, GA who won $50 in our Decembernewsletter contest. He was selected in a random drawing after finding the hidden answerto the question: What is the name of our free e-mail notification system? The answer was eMessenger. Congratulations to Brian Sheppard from Flushing, NY who won $50 in our Januarynewsletter contest. He was selected in a random drawing after finding the hidden answerto the question: How can I make $25 from my Credit Union? The answer was refer a new member. You could be our next winner - for more information about contests and winners, be sure toread each issue of our newsletter. | |
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| Feel Like driving? We'll put you behind the wheel | |
| Springtime is the perfect time for a spur-of-the-moment vacation - and at today'sattractive interest rates, this is also an ideal moment to shop for the new car you'vebeen dreaming about. |  |
| Where do you start? By talking to your Credit Union. Our Auto Acquisition* service is your online resource for information on vehicles ofall types, makes and models - including convertibles, SUVs and vans, trucks, evenhigh-performance luxury cars and pre-owned vehicles at attractive prices. A single call to Auto Acquisition* puts professional locators to work searchingfor the exact vehicle you want, at the best possible price - anywhere in all 50 states.You'll have access t
In Florida, call:
**All IBM Southeast EFCU auto loans and/or leases are subject to income verification and credit approval.For more information, please refer to Your Loan Disclosures available on our Web site, or contact aMember Service Representative for details on rates, terms, fees and conditions at 800.873.5100,561.9824700 or loans@ibmsecu.org. | |
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| Find Cash Fast | |
| Your SunDollar Plus Visa Check/ATM Card from IBM Southeast EFCU gives you accessto fast cash, convenient deposits or account information at hundreds of ATM locationsthroughout the country.* Need help finding your nearest ATM? Just log on to our website: www.ibmsecu.org. |
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| And when you're traveling, call IBM Southeast EFCU for ATM network locations inother areas: (800. 873-5100 or (561. 982-4700. *All ATM locations may not accept deposits; please check at each specific location. Non-Credit Union ATMs may besubject to surcharges, please check the machine before processing your transaction. | |
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| Insurance Rates for Members Only. | |
| There are many different kinds of insurance - and many insurance providerscompeting for your business. How do you find the right one? At IBM Southeast EFCU, we've made the process easy by giving you access to greatrates and personal service from our own independent insurance agency:Members Insurance Services LLC*. |
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No matter what your insurance needs are, you'll have expert advice and assistance incustom-tailoring a package that protects you. Services include:
*Auto and other insurance coverage may not be available in all states. | |
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| Your Health is Covered. What About your Teeth? | |
| Dental expenses can take a big bite out of your budget. That's why IBM SoutheastEFCU searched out a dental plan to supplement your general health insurance -at a cost you can afford. It's called Dental Benefits Plus - and it's available to our members through theGE Financial Network, one of the nation's oldest and most trusted networks.With Dental Benefits Plus, you get all these advantages:
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| It is Meeting Time Again | |
| Come to our Annual Meeting! Date: Friday, May 23, 2003 Time: 6:00 P.M. Place: Boca Raton Marriott 5150 Town Center Circle Boca Raton, FL Please RSVP to 561.982.4700, ext. 7744 or 800.873.5100, ext. 7744 by May 16th. Please be sure to include the names and number of Members in your party. | |
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