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You may need cash. You may need insurance. You may need investments. But
in every case,  there's one
thing you need first: someone to talk to. That's why it's so important to
take advantage of your personal relationship with a Financial Services
Representative whose job it is to share your goals, assess your situation
and work with you to achieve the financial stability you desire. You'll
have access to a world of great investment opportunities*, including
Aetna, Oppenheimer, MFS, Putnam, Janus and many others.
You'll also have expert advice on a broad array of essential planning options:
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 Medallion Equities, Inc. Member NASD/SIPC. Investment products offered are not FDIC, 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. May lose value. |
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 Sure, security is important-but it gets tedious to
enter multiple passwords or even the same password over and over at different sites.Enter CU Worth: a single source that brings together information for all your online resources and accounts. With CU Worth, IBM Southeast EFCU gives you the ideal solution for security, simplicity, and speed. You sign on only once, using one password. CU Worth is FREE-and it's easy to use; click here to check the status of a wide range of online information, including: 
Please call 800.873.5100 or 561.982.4700 with any questions. |
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| Are you an investor? Then you should know about ShareBuilder®, your Credit Union's
online stock trading program.
ShareBuilder allows you to grow your portfolio regularly through recurring investments. You can purchase partial shares of stocks and steadily increase your holdings over time. ShareBuilder offers three stock purchase programs - so you can choose the program that best meets your investment goals and resources:
ShareBuilder is not affiliated with IBM Southeast Employees' Federal Credit Union. Investments are not NCUA/NCUSIF insured, are not obligations of or guaranteed by the Credit Union, and may lose value. © 2002 Netstock Corporation. ShareBuilder is a registered trademark of Netstock Corporation. Patent Pending. ShareBuilder Securities Corporation, a registered broker dealer, is a subsidiary of Netstock Corporation and Member NASD/SIPC. |
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 Your home is more than
a place to hang your hat. If you're like most people, it represents your
most significant financial asset. And in today's real estate market, the
value of that asset may have grown dramatically since the day you moved
in.
But other things may also have grown. Your family. Your expenses. Your lifestyle expectations. Even your healthcare needs. So now may be the right time to talk about a Home Equity Line of Credit. A Home Equity Line of Credit (HELOC) allows you to access the equity you have built in your home, without waiting for the day you decide to move. You can have money available for expenses such as home improvements, car purchases, college tuition or even debt consolidation. And you won't have to take the funds all in one lump sum-because you can borrow as needed over the life of the term.  |
There are many
benefits of a Home Equity Line of Credit*:
To apply for a Home Equity Line of Credit or for more information, call the Mortgage Department at 800.873.5100, ext. 7722 or 561.982.4700, ext.7722, or e-mail mortgage@ibmsecu.org. |
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| *Credit is subject to approval. Please refer to the disclosures: "When Your Home is on the Line." "Important Terms of our Home Equity Line of Credit" and "Your Loan Disclosures" or contact a Mortgage Representative for details on rates, terms, fees, and conditions. Consult your tax advisor regarding your individual situation. | |||
| If you've fallen behind on your bills, mortgage, credit cards or other debts, your Credit Union is here to assist you. We may be able to help you with a payment plan, debt consolidation, or other financial options, depending on what's best for you and your particular situation. Find out what ALL your options are before you make decisions that could affect you and your family for years to come. In today's uncertain times, there are people you can trust to look out for your best interests. Please contact Harry Dingeman, III, our Vice President of Risk Management, for financial assistance at 800.873.5100, ext. 4750, 561.982.4700, ext 4750 or email hdingeman@ibmsecu.org. Your Credit Union family is here to help you today, tomorrow and always. |
Now, anyone can-with LifeRing group
term life insurance, available exclusively for
IBM Southeast EFCU members.
Underwritten by the New York Life Insurance Company, your LifeRing program is one of the country's most reliable and highest-rated term life insurance programs, from a company that holds an A++ (Superior) rating from the A.M. Best Company. And thanks to your affiliation with IBM Southeast EFCU, term life insurance is available to you at an affordable group rate. Find out how much you can save with LifeRing. Call today, toll-free: 800.223.8646, and be sure to let them know you're an IBM Southeast EFCU member. |
| Introducing eMessenger
, the kind of e-mail messages you'll
want to receive. eMessenger can automatically deliver to you
the latest information concerning your financial accounts,
whenever you want.
You can choose the messages you'd like delivered from a wide range of possibilities, including:
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With too many of today's medical insurance plans, your
health comes first - your teeth come second. We can
change that, by offering you and your family substantial
savings on dental work with the latest Dental Benefits
Plus plan from your IBM Southeast EFCU and the GE
Financial network. Benefits include:
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| Find the answer in our newsletter
to the following question. You could win $50!
Q. What is the name of our free e-mail notification system? E-mail your answer before Dec. 10th to marketing@ibmsecu.org include your name, phone number, 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 our Jan.2003 newsletter. Previous winners, employees and their family members are not eligible.) |
Congratulations to Misty
Calhoun from Douglasville, GA who won $50 in our September newsletter
contest. She was selected in a random drawing after finding the hidden
answer to the question, How much free coverage does your credit
union provide for accidental death and dismemberment?
The answeris: $2000!
You could be our next winner-for more information about contests and winners, be sure to read each issue of our newsletter. |
 Everyone's insurance needs are
different. Your goal should be peace of mind: the
confidence of knowing that your own individual
profile is fully covered.
That's where your Credit Union comes in. Members Insurance Services, LLC, an independent insurance agency owned by your Credit Union, offers*:
*Insurance may not be available in all states. 
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Need A Car? We'll Shop for You.
One-stop shopping can save you time and
effort-not to mention money. That's why we
created Auto Acquisition: a service that will
find the perfect car for you and negotiate the
best price.
For a fast response, access Chrome CarBook and fill out the customer information page. You'll find information on:
All IBM Southeast EFCU auto loans and/or leases are subject to certain qualifications and credit approval. For more information, please refer to the booklet "Your Loan Disclosures" or contact a Member Service Representative at 800.873.5100 or 561.982.4700, or e-mail loans@ibmsecu.org for full details on rates, terms, fees and conditions. |
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