Whatever your dream vacation - shore, mountains, road trip or spa - win it and enjoy it on us! Enter our drawing to win the vacation of your dreams!**

One lucky Auburn Community FCU member will receive a $2,000 Vacation Voucher to be used for airline tickets, hotel accommodations or any other expense to the vacation destination of your choice. Be sure to enter by June 13, 2008 to be included in the drawing.

Refer A New Member, Receive Extra Entries!
Anyone who lives, works, worships, attends school or volunteers in Cayuga County is eligible to become a member. So spread the word and reap extra entry rewards when your referral joins

Enter Today!
You've already received your sweepstakes entry form in the mail so be sure to return it to be entered in our drawing. Then take advantage of our low-cost loans, high-yield savings and convenience services to make your life more affordable - you'll get even more chances to win!

See the table at right to see how many entries you can receive. Stop by the credit union and we'll get you started with our time-saving, money-earning and convenient services. Good luck in the drawing!

**Odds of winning $2,000 Dream Vacation Voucher will vary according to the number of entries received by the entry deadline of 5 p.m. on June 13, 2008. Vacation winner will be selected on June 16, 2008. No purchase necessary to win. Must be 18 or older to enter or win. Contact the credit union for complete details.

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Our Home Equity Loans and Home Equity Lines of Credit are a low-cost way to finance all sorts of plans - home improvements, college tuition, debt consolidation or any other purpose. These loans carry lower rates than other loans and could be tax-deductible - ask your tax advisor.

Best of all, you'll receive extra entries in our Dream Vacation Sweepstakes when you close on one of our Home Equity Loans (one entry for each $1,000 you borrow)!

There are NO closing costs and you'll receive prompt, attentive personal service from our Member Service Representatives. We promise no hassles, from first call to loan closing!

To apply for one of our home loans, come in or call us at (315) 253-2934.

*APR=Annual Percentage Rate. Rates subject to change without notice. Contact the credit union for complete loan details. Home Equity Line of Credit based on Prime Rate published in the Wall Street Journal. When a range of rates has been published, the highest rate will be used. We will use the most recent index value available to us as of 45 days before the date of any quarterly percentage rate adjustment. For complete loan details, contact the credit union.

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Spring has arrived and the summer season isn't too far off. Before we get distracted by the good weather ahead, remember to make plans and protect yourself from potential storms. With the recent "storms" in the financial industry that have circulated around the country, we want you to know where we stand. At the credit union, we've planned ahead to protect all of our members from the storm called "sub-prime mortgages." Unlike other financial institutions, you are protected because your credit union has not participated in making these types of risky loans.

Your credit union offers Home Equity loans and Home Equity Lines of Credit at extremely good rates to members who qualify for these loans based on normal lending criteria. We offer First Mortgages through the New York State Credit Union League's Credit Union Center Mortgage Corporation or CUC Mortgage for short. We want to put you into the home of your dreams but we will not jeopardize your future individually nor that of the memberships collectively by way of engaging in sub-prime mortgage lending.

Fortunately for those of us in the Central New York region, home values have remained relatively stable without the wild fluctuations seen elsewhere around the country. As such, your credit union continues to offer some of the lowest Home Equity rates out there. I would encourage our members to look to us first for all your Home Equity needs if you need money for college expenses, home remodeling projects, that dream vacation or whatever else you may need. Our top-notch staff will work with you to help you get your goals accomplished.

Sincerely,

Saverio "Sam" A. Scro

Manager/CEO

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Auburn Community Federal Credit Union can help you cut through the clutter of paperwork and find more time for favorite pursuits. We combine the latest electronic services with good old-fashioned personal service so you'll save time and be completely in charge of your financial life!

Sign up for a Checking Account, then add 24/7 Convenience Services that will give you access to your financial information, anytime and anywhere you choose.

We offer:

• Direct Deposit
• Online Banking
• Payroll Deduction
• Online Bill Pay
• VISA^® Check Card
• Audio Response System

Access your accounts and make transactions electronically or by phone, arrange for automatic deposits and payments, and manage your money in a fraction of the time. Best of all, we have real, live Member Service Representatives on hand to answer any questions you may have. It's the best of old and new!

Simplify Your Life Today!
Call us at (315) 253-2934 or stop by one of our offices for more information on our Convenience Services. Start enjoying your life today!

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Congratulations to all the students who participated in the annual New York State Credit Union League's Scholarship program. One of our very own, Ashley Leja from Port Byron, was a 2nd place winner in the New York State Credit Union League's Central New York Chapter Scholarship Program and will be awarded $500 by the CNY Chapter. In addition, Ashley will win a $500 Service Scholarship directly from Auburn Community FCU as will Jaimie Zamniak and Shannon McCormick, both from Auburn High School. Congratulations to the three of you and to all students set to graduate this year.

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Over 800 members opted to direct deposit their Federal Income Tax Refund into their checking or savings account here at the credit union. All of them were entered into our Win a Share of $1000 Direct Deposit Tax Refund Give-Away. The winner of the 1st prize of $500 was Andrea Eich. The five winners of the 2nd prize of $100 each were William Harkness, Jill Iocolano, Kevin Lutkins, Sharon Patterson, and Michael Saxton. Congratulations to all our winners and everyone who participated this year. Remember, Direct Deposit is safe, fast, and convenient not only for your tax refund but also for your pay, pension and social security, too. If you're not already using direct deposit with the credit union, just call us at (315) 253-2934 and we'll get you started.

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Our new branch office, located at 101 Prospect Street, has been warmly welcomed by our members and neighboring merchants in Auburn's downtown area. The 24-hour ATM drive-thru is very popular, as is the outdoor LED sign publicizing our rates and special promotions. Our new branch has proven to be a great success!

When you're in the neighborhood, Branch Manager Cindy Greene invites you to stop in and say "hello." She will be glad to meet with you and discuss any financial questions or needs you may have. Cindy reminds you that her branch offers a complete array of products and services to help you manage your finances. The only difference from the Main Branch is an opening time of 9:15 a.m. on Tuesdays.

So drop by for a visit and check us out. You'll meet some very nice folks who can provide a roadmap to help you reach your financial goals!

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Your credit union will be closed to observe the following holidays:

Memorial Day
Monday, May 26, 2008

Independence Day
Friday, July 4, 2008

Labor Day
Monday, September 1, 2008

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The Annual Meeting was held on February 25, 2008 at the Sunset Restaurant in Auburn. There were over 185 members in attendance for the meeting and a dinner that followed. Congratulations to the following members who have been re-elected to serve three-year terms on our Board of Directors:

• Thomas Casasanta
• Daniel Curry
• Thomas Higgins

Board of Directors
• Peter Killian, President
• George Steigerwald, Vice President
• Thomas Casasanta, Treasurer
• Thomas Higgins, Secretary
• Daniel Curry
• Kathryn Johnson
• Joyce LoBisco
• JoAnn Montgomery
• Thomas McNabb

Supervisory Committee
• John Brennan, Chairman
• Gerry Cuff
• Richard Jackson
• Thomas McNabb
• Ronald Oughterson

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Learn How To Manage Your Money

Kids 12 and under learn the savings habit with Dollar Dog Kids Club^SM and have fun doing it! They receive an official membership card, fun gifts, cool games, contest entries, invitations to special events and much more!

Teens ages 13 - 17 learn to manage their money and get started on some serious savings! Along with their Savings Account, they can sign up for a Checking Account, VISA^® Check Card and Home Banking. With online cha-ching!^SM access, they can download podcasts, videos and lots of other cool stuff!

Your Child Or Teen Can Join Today!
Membership is free! Simply open a Dollar Dog Kids Club account or a Regular Savings account with a deposit of $5 to establish membership. Help your kids learn to manage their money and start saving today!

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According to the Federal Trade Commission, nine million Americans are victims of identity theft each year. You may not even find out until you review your credit report or credit card statement and notice charges you didn't make - or until you're contacted by a debt collector!

Victims can spend hundreds of dollars and many months repairing damage to their good name and credit record. They may lose out on job opportunities or be denied loans because of resulting negative information.

ID thieves start with information such as your name, Social Security number, credit card numbers or other financial information - information that's like gold. They use it to open accounts, obtain government documents, get a job or rent a house in your name. They may even use your identity if arrested, causing a warrant to be issued in your name.

If your identity is stolen, you should file a police report, check your credit report, notify creditors and dispute any unauthorized transactions. Don't delay in correcting your records and contacting creditors. Monitor financial records for at least a year and stay alert for other signs of identity theft.

For tips on keeping your personal information safe, access OnGuard Online from our home page. This site provides tips from the federal government and the technology industry to help you be on guard against Internet fraud, show you how to secure your computer and protect your personal information.

Awareness is an effective weapon against ID theft. Arm yourself with knowledge about this increasingly sophisticated crime. For information on prevention, visit www.ftc.gov.

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If a new or used vehicle is on your wish list for spring, or if you'd like to lower your current Vehicle Loan payment, we have great news! Our Vehicle Loans are priced to save you money, time and aggravation at the dealership. Take advantage of this great money-saving offer from Auburn Community Federal Credit Union!

Whether you're looking for a car, truck, van or SUV, we have New and Used Vehicle Loans with low rates and flexible terms to fit your budget.

We’re also offering special low-cost Recreational Vehicle Loans for ATVs, boats and motor homes to rev up your warm-weather plans.

If you have a Vehicle Loan with another lender, talk to us about refinancing - we may be able to lower your interest rate and your monthly payments. Save even more with our 1 percent cash-back bonus rebate - get up to $250 for your Vehicle Loan!** You'll also receive one extra Vacation Sweepstakes entry for each $1,000 you borrow.

Let us pre-approve you for a low-cost Vehicle Loan before you talk to the dealer. Chances are, we can save you money on the loan and give you a hassle-free shopping experience!

Apply Today!
Stop by the credit union, or call us at (315) 253-2934 for more information or to get pre-approved before you shop. Don't miss this opportunity to save big on your next Vehicle Loan!

*APR=Annual Percentage Rate. Rates based on credit history and subject to change without notice. Other rates and terms are available. Contact the credit union for complete details.
**Bonus rebate of one percent of Vehicle Loan amount will be deposited in member’s Share Savings Account after first month’s payment. Maximum rebate is $250.

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