Open A Loan And Earn 1% Cash Back!*
Are you thinking about a new car? Maybe you're wondering how you're going to pay college tuition? Or perhaps you're considering one last vacation before the cold weather hits? No matter what your financial goal, now is the best time to take out a loan with Auburn Community FCU. In addition to our unbeatably low rates and flexible terms, you'll now earn a 1% cash back rebate when you open a new loan with us.* Simply stop by the credit union between September 8th and October 30th to take advantage of this great offer!

Apply Today!
We have a loan solution for any financial need. Stop by the credit union or call (315) 253-2934 to apply or for more information. You can also check current rates and terms online.

*Earn 1% cash back (up to $150) on a new loan opened at the credit union between September 8, 2009 and October 30, 2009. New money only. Lines Of Credit and VISA^® Credit Cards not eligible for rebate offer. Contact credit union for complete loan details.

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Many Americans have taken advantage of the "Cash for Clunkers" program and received a cash rebate on the purchase of a new vehicle in exchange for their fuel-guzzling "clunker." Other vehicle shoppers, however, have been disappointed in the program because their "clunkers" were turned down for the rebate. At the time of this newsletter's publication, the Cash for Clunkers program was in limbo, with its future uncertain.

Regardless of the program's fate, one thing is for sure: you can always lock in a bargain on a new or used vehicle when you choose Auburn Community FCU for your financing - clunker or no clunker.

That's because your credit union offers some of the lowest interest rates and most affordable repayment terms in our area. If you're in the market for a new vehicle, we may be able to save you hundreds on your loan.

Since dealerships have the potential to make even more money on your vehicle purchase by offering you higher interest rates on your financing, you can save more by having your loan pre-approved at Auburn Community FCU before you shop.

We make it easy too - to apply for your loan, simply stop by the credit union or give us a call. We'll be happy to help you find the best loan that meets your needs. To view our current rates, visit www.auburnfcu.com anytime.

We look forward to helping you save money on that new vehicle!

Sincerely,

Saverio "Sam" A. Scro

Manager/CEO

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Fall is here and it's a busy time of the year! Between the back-to-school rush and the upcoming holiday season, fall can be pretty overwhelming. A Home Equity Loan is the perfect way to ease the financial strain. Any goal is within your reach with a Home Equity Loan from Auburn Community FCU. It's your all-purpose loan solution so use the money however you wish!

• Pay College Tuition
• Make Home Repairs
• Take A Vacation
• Start Planning Holiday Expenses
• Consolidate Your Bills
• Achieve Any Other Financial Goal!

Earn 1% Cash Back!**
Take out a new fixed rate Home Equity Loan between September 8, 2009 and October 30, 2009 and you'll receive a 1% cash back bonus rebate (up to $150).

Applying Is Easy!
Stop by the credit union, call (315) 253-2934 or check current rates and terms online.

*APR=Annual Percentage Rate. Rates and terms are subject to change. Contact the credit union for complete loan details.

**Earn 1% cash back (up to $150) on a new loan opened at the credit union between September 8, 2009 and October 30, 2009. New money only. Lines Of Credit and VISA^® Credit Cards not eligible for rebate offer. Contact credit union for complete loan details.

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Dollar Dog Kids Club^®
Does your child have a Dollar Dog account? If not, add that to your backto- school list and plan to stop by the credit union to enroll. All good lessons and habits begin early and saving money is a skill that everyone needs. It's never too early to teach your young students the importance of money management. If you have children ages 12 and under, our Dollar Dog Kids Club^® is for you!

cha-ching!^SM
Whether your teenagers are starting to think about purchasing their first car, wondering how they're going to afford college or just interested in a way to save some money, cha-ching!^SM can help! Our teen club gives them access to all the financial products and services they'll need:

• Savings Account
• Checking Account
• Access To Online Banking
• Access To Online Loan Calculators
• Informational Online Articles
• And So Much More!

Join Today!
Don't send your kids back to school without these essential financial tools! It's easy to open an account for your child - simply stop by the credit union!

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Here are five great reasons for you to visit our website:

1. Access Your Finances And Perform Financial Transactions - Online Banking is the most convenient way to access your accounts and handle a number of financial transactions. You can check account balances, verify cleared checks, transfer funds between your accounts and so much more - all from the comfort and privacy of your home or office computer.
2. Pay Your Bills Online - Paying your bills has never been easier! You no longer need to worry about writing out checks or paying for extra postage. Now you can pay your bills safely and conveniently online. Simply set up your payment schedule and rest assured your bills will be paid on time every month.
3. View Your Loan Options Online - No matter what your financial need, our website provides a wealth of information to help you through the loan process. Learn about our loan products, view current rates and use our online loan calculators to find a loan with a rate and term perfect for your budget.
4. Access Current News And Promotions - Our website is your 24/7 source for credit union news and promotions. You can check out our current promotions and view our newsletters online.
5. Access Educational Information - Visit our website to access information about a variety of topics, including Identity Theft, Verified by VISA,^® MEMBERS Auto Insurance and MEMBERS Folio Investing.

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Your credit union will be closed to observe the following holidays

Columbus Day
Monday, October 12, 2009

Veterans' Day
Wednesday, November 11, 2009

Thanksgiving Day
Thursday, November 26, 2009

Christmas Eve
Thursday, December 24, 2009
Closing at 3 p.m.

Christmas Day
Friday, December 25, 2009

New Year's Eve
Thursday, December 31, 2009
Closing at 3 p.m.

New Year's Day
Friday, January 1, 2010

Martin Luther King, Jr. Day
Monday, January 18, 2010

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Holiday Club funds will be distributed into members' Share Savings Accounts on September 30, 2009. Fall is a great time to reap the rewards of your Holiday Club Account and plan for upcoming holiday events. Open a Holiday Club Account now so you're prepared for next year's holiday season. Just make regular monthly deposits all year long to relieve the end-of-the-year financial strain. If you'd like to change your current Holiday Club amount or you're interested in starting a 2010 Holiday Club Account, stop by the credit union office. It's the easy way to save for the holiday season!

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The holiday season will be here before you know it. If a little extra cash would come in handy for your wish list, let our Christmas Loan serve as an early gift for you! Borrow up to $10,000 and use the money to help pay for your gifts, to go visit family or just to put some extra cash in your pocket during the holiday season when money is tight. It's the affordable way to make any holiday wish come true.

Apply Today!
Don't wait until the last minute - get a head start and apply for a Christmas Loan today. Stop by the credit union or call (315) 253-2934 to apply or for more details.

*APR=Annual Percentage Rate. Rates and terms subject to change without notice. Other rates and terms available. Contact the credit union for complete loan details.

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It sounds like a dream come true: you receive a check in the mail with a letter notifying you that you've won a prize in a sweepstakes or lottery. You start thinking about all the things you could do with the money, as you rush to your credit union to cash the check.

What you don't realize is that if you follow the instructions to claim your money, you'll become the victim of an international lottery scam. This is how it works: an individual will receive a check in the mail accompanied by a letter informing them that they've won the money in a lottery. Often times, the individual is told that they were picked as a winner out of shoppers at a popular chain store, a common ploy with scammers.

To claim the money, the individual needs to cash the check and wire some money back (usually several thousand dollars) to cover tax on the winnings. The check may look genuine and may even include a legitimate issuing bank and an official-looking signature.

But keep in mind: if it seems too good to be true, it probably is. With this particular scam, the check is fake and the lottery is a scam. The scam is designed to convince honest citizens that they've won money and play on their vulnerability, expecting them to wire the sum back to cover the tax fees. Then later, the check will bounce, and the individual will lose out on the thousands of dollars they wired.

It Could Happen To You!
Many times we read such horror stories and think, "That could never happen to me!" However, these types of scams often hit close to home. This can happen to anyone, including you, so it's important to protect yourself.

Avoid Being Victimized - Stay Aware!
Here are some tips to help you avoid becoming the victim of a lottery scam:

• No Rush - Don't send money if a caller requires you to send money "right now!" and that you must wire money before you can claim your prize.
• Know Who You're Paying - Don't wire money to someone you don't know well. After your money is paid, you will not get it back.
• Be Wary Of Coaching - Don't send money to someone who tells you what to say to the wire transfer agent, or says you should hide information or lie to the agent.
• Protect Your Info - No legitimate bank or credit card company will ask you to supply them with your Social Security number or bank account passwords over the telephone or online.
• Call Police - Contact your local police department if you receive one of these counterfeit lottery notifications.

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Purchasing a new vehicle is a huge decision, but the car-buying process does not need to be stressful. Follow these tips to ensure a hassle-free experience that doesn't empty your wallet.

1. Purchase Your Vehicle At The Right Time - Fall is traditionally the best time of the year to purchase a new vehicle. All the new car models are coming out, last year's inventory is being cleared out at discounted prices and more used vehicles are being put out on the lots!
2. Buy When You Don't Need To - Don't procrastinate and wait until your current car breaks down to buy a new one. If you purchase a new vehicle when you're desperate, it rarely results in a good deal. Be a smart shopper and anticipate the need for a new car before it arises, leaving time to research and shop wisely.
3. Be Rational, Not Emotional - When shopping for a car at the dealership, you'll most likely score the best deal by remaining calm and rational. Salesmen will react to emotional buyers and you could wind up in trouble. Try to convey only a casual interest in the vehicle and avoid emotional reactions.
4. Let Us Give You The Best Deal - When it comes to financing, you'll have a tough time finding a better Auto Loan than the options available at Auburn Community FCU. Plus, for a limited time, you'll earn a 1% cash back bonus rebate when you open an Auto Loan at the credit union.**

Incentive To Buy For 2009
If you're in the market for a new vehicle, 2009 is the year to buy! You can take advantage of an Auto Stimulus, which allows you a tax deduction for the sales tax and state taxes that you pay on your new car. Check www.cars.gov for the most recent updates from the government that could save you money!

*APR = Annual Percentage Rate. Rates based on credit history and subject to change without notice. Other rates and terms are available. Contact credit union for complete details.

**Earn 1% cash back (up to $150) on a new loan opened at the credit union between September 8, 2009 and October 30, 2009. New money only. Lines Of Credit and VISA^® Credit Cards not eligible for rebate offer. Contact credit union for complete loan details.

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Your deposit accounts at Auburn Community FCU are now guaranteed to at least $250,000 by the National Credit Union Administration, an agency of the federal government. (Please note: The NCUA insures retirement accounts separately for up to $250,000.) Not one penny of federally insured shares has ever been lost.

If you have balances higher than $250,000, you can still safely invest your money at the credit union. This is because shares maintained in different legal ownership capacities may each be separately insured by the NCUA - meaning you can keep more at the credit union and still be 100% protected by federal insurance.

Here's How It Works
Adding beneficiaries to your account can help insure funds that exceed $250,000. The example below depicts a married couple with two children and shows how members can insure their accounts for up to $2.5 million.

For More Information
Visit the NCUA website at www.ncua.gov for the "Share Insurance Tool Kit," which contains more information. You can also call Auburn Community FCU at (315) 253-2934 to learn more about protecting all of your funds to the maximum amount insured by the NCUA.

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