Wherever life takes you, Auburn Community FCU can help you navigate your way to great savings and financial stability. Our current Spring Loan promotion offers low-rate loans with affordable payments to fit your budget and lifestyle. Plus, you’ll receive some great rewards when you open a loan today!

Ask About Our Low Interest Rate Home Equity Lines Of Credit, Too!

Refinance & Save
Compare the interest rate on your current loan from another financial institution to our everyday low rates. Refinance with us and we might be able to lower your monthly payments and help you save money!

Apply Today!
Stop by, call (315) 253-2934 or check all of our rates and terms at www.auburnfcu.com. Hurry, these special offers are only good through June 30, 2009!

*APR=Annual Percentage Rate. Rates are subject to change without notice. Some restrictions apply. Vehicle Loan payment shown is based on a $15,000 loan with a term of 60 months at 5.50% APR. Recreational Vehicle Loan payment shown is based on a $7,500 loan with a term of 48 months at 6.25% APR. Home Equity Loan payment shown is based on a $50,000 loan with a term of 180 months at 6.25% APR. Consult credit union for complete loan details.

**$25 VISA® Gift Card distributed at loan closing on any loan of $5,000-$10,000. GPS navigation unit ordered at loan closing on any loan over $10,000 and delivered to member’s home. Navigation unit will be model shown or another model of equal value.

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Our economy is currently in a time of great uncertainty. This equates to financial challenges for everyone, including you – our members. During these economic hardships, we are here to help you maintain financial stability. A Home Equity Loan from Auburn FCU can really make a difference! A Home Equity Loan is your all-purpose loan solution to achieve any financial goal. If your credit cards leave you with an empty wallet each month, a Home Equity Loan could help you consolidate all those bills at a lower interest rate to help you pay off your debt faster and help you to save money. Or maybe money is tight and you’re wondering how you’re going to afford to make home repairs, take a family vacation or pay college tuition. Wherever life takes you, a Home Equity Loan can help you get there without taking a toll on your finances. At Auburn FCU, you can expect low rates and flexible terms that will be sure to work for any budget and lifestyle.

Make A Difference Today!
Stop by the credit union or call (315) 253-2934 to apply or for more information. Check all of our rates and terms at www.auburnfcu.com. But don’t wait too long – these special offers are only good through June 30, 2009!

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

**Prime Rate as of December 16, 2008: 3.25%. FLOOR RATE = 4.50%. Minimum Draw at Closing is $15,000. Closing costs are not added to the loan. Prime=Prime Rate published in the Money Rates column of 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. The Wall Street Journal Prime rate as of 12/16/08 is 3.25%. The APR may vary monthly and will not exceed 18.00%. Fees and Closing costs can range from $10.00 to $1,500.00. For more details, please contact our Loan Department.

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With this “bear” of an economy, you may be wondering how best to save and spend your money. The answer is not always cut and dry – some experts advise socking extra money away, while others recommend paying off debt first as a means to financial freedom.

But most experts agree that the following five tried-and-true strategies will help you brighten your financial future, no matter what the economy has in store:

1. Get out of debt faster. By paying off your highest interest rate credit card first, followed by your second highest-rate card (and so on), you’ll spend less on finance charges and get out of debt faster.

2. Increase earnings by laddering Share Certificates. For example, instead of investing $5,000 in just one Certificate, invest in five separate Share Certificates with terms of 1 year, 2 years, 3 years, 4 years, and 5 years. Each year, roll the Certificate that comes due into a higher yield 5-year Share Certificate and lock in the highest dividend rate each time.

3. Switch to no-fee Checking. Auburn FCU will never “nickel and dime” you by loading up your Checking Account with unnecessary fees. Our Checking Accounts also have no minimum balance requirements and other great benefits.

4. Invest in a risk-free IRA. Our IRAs are insured up to $250,000 by the NCUA, an agency of the federal government – so you can invest for retirement or your first home with confidence.

5. Use online Bill Pay and save stamps. Use Auburn FCU’s online Bill Pay service and have your payments mailed electronically for free. Visit www.auburnfcu.com for details.

To learn more about how your credit union can help you save money every day, give us a call or stop by.

Sincerely,

Saverio "Sam" A. Scro

Manager/CEO

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Summer is just around the corner and things are starting to heat up at the credit union. Are you thinking about a tropical vacation? A family vacation at the beach? Or maybe a romantic weekend getaway in the mountains? We can help finance your dream vacation with an easy and affordable Signature Loan. With rates as low as 10.75% APR* and terms up to 60 months, we’re sure to have a loan solution that works for your budget.

Don’t Let The Summer Pass You By!
Now is the perfect time to start planning your vacation. Stop by the credit union, visit us online at www.auburnfcu.com or call (315) 253-2934 and let us help you turn your dream vacation into a reality this summer!

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

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Dollar Dog Kids Club® Deposit Drawing Winner: James Bennink
James won a $100 gift card for making a deposit to his Dollar Dog Kids Club® Savings Account in the first quarter of 2009.

Tax Refund Direct Deposit Drawing Winners:

Grand Prize ($500) – David Delfavero

Second Prize ($100) – George Herrick, Peter Slywka,
Paula Cerio, Pamela Shoemaker and Jerry Simpson

“Luck Of The Interest” Contest Winners:

Grand Prize – Thomas McCarthy

Second Prize – Doris Look, Carol Rossman, Melinda Lupo, Jill Malenick, Gerald Delfavero, Frank Ferraraccio, Timothy McCarthy, Bernadine Miller, James Wade and Georgianna Caliendo

Congratulations to all of our winners and participants! Thank you for your loyalty to the credit union – we look forward to serving all your financial needs.

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Your credit union will be closed to observe the following holidays

Memorial Day
Monday, May 25, 2009

Independence Day
Friday, July 3, 2009 (closing at 3:30 p.m.)
Saturday, July 4, 2009 closed

Labor Day
Monday, September 7, 2009

Columbus Day
Monday, October 12, 2009

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Have some fun this summer while you save on admission prices! Discounted tickets are available at the credit union for the following theme parks:

• Enchanted Forest Water Safari
  
• Sea Breeze
  
• Darien Lake Theme Park Resort

Please call the credit union at (315) 253-2934 for pricing.

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Navigate the trails, lakes and roads of New York with a new recreational vehicle. Auburn FCU can help you finance your new ATV, boat, snowmobile, RV or other fun recreational vehicle. Now is the perfect time to add some excitement to your life so you’ll be on the lake or hitting the open road before you know it!

Have Some Fun In The Sun!
Don’t wait – these great offers end June 30, 2009! Stop by the credit union, call (315) 253-2934 or visit www.auburnfcu.com to apply or for more information.

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

** $25 VISA® Gift Card distributed at loan closing on any loan of $5,000 $10,000. GPS navigation unit ordered at loan closing on any loan over $10,000 and delivered to member’s home. Navigation unit will be model shown or another model of equal value.

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Now that we’ve become accustomed to reading about “phishing” Identity Theft attacks, it’s time to learn about “vishing.” Identity thieves are now using a computer technology called Voice over Internet Protocol (VoIP) that allows them to make anonymous phone calls. Then the fraudster can pretend to be a representative of a legitimate company in an effort to fool consumers into providing their account and personal information.

For example, you may receive a phone call saying that your credit card has been used illegally. You may then be prompted to dial a fake toll-free number in order to confirm your account information. If you provide this information, the identity thief has successfully gained access to your credit card and can proceed to run up charges on your account.

Report any vishing attempts to your credit union or credit card provider.

You might be wondering how you can protect yourself from this threat. Here are some tips:

• If you receive a phone call asking you to “confirm,” “update,” or “verify” your credit card account numbers or any financial information, hang up immediately. Then, call the customer service number on the back of your credit card or your statement to verify that the call was legitimate.
  
  
• Never provide a caller with the 3-digit code on the back of your credit card unless you initiated the call by using the customer service phone number on the back of your card.
  
  
• If you receive an e-mail that prompts you to dial a toll-free number and asks for financial information, do not call. Instead, use the toll-free number on the back of your credit card or account statement to verify that the call was legitimate.
  
  
• Be cautious if the caller does not address you by your first or last name.
  
  
• Report any vishing attempts to your credit union or credit card provider as soon as possible.

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Now is a great time to purchase a new vehicle! Due to the current economic conditions, many car dealerships are experiencing a lull in sales and are especially eager to sell their vehicles. As a result, they are often willing to negotiate, which means a cheaper purchase price for you! Plus, you can rest assured you are getting the best deal on your new vehicle when you finance it with a low-rate Vehicle Loan from Auburn FCU. With a variety of rates and terms, we are sure to have a loan that works for you.

Hit The Road!
Get ready to cruise the open road in your new vehicle. Stop by the credit union, call (315) 253-2934 or visit www.auburnfcu.com for more information. These offers are good through June 30, 2009!

Car-Buying Tips To Help You Save Even More

Have new car fever? Before you head to the dealership, take a look at these car-buying tips that will help you get the most for your money:

1. Get Pre-Approved And Get The Best Possible Rate
   Don’t settle for the financing options at the dealership. Stop by the credit union and take advantage of a lower rate to lower your monthly payments and save more! Plus, getting pre-approved with us gives you the leverage to make the best possible deal at the dealership.
   
   
2. Consider A Newer Pre-Owned Vehicle
   Instead of purchasing a brand new car, consider buying a low-mileage 1-year-old preowned vehicle. It could save you thousands of dollars in 1st-year depreciation.
   
   
3. Do Your Research
   Be sure to do some research before you shop. Research the trade-in value for your current vehicle and the cost of the new vehicle you’re interested in purchasing.
   
   
4. Take Your Time
   The dealer is usually just as anxious to close the deal as you are. But don’t forget: buying a new vehicle is a huge decision. Make sure you take your time to get the best financing deal and to research which model will give you the most for your money.

*APR=Annual Percentage Rate. Rates are subject to change without notice. Some restrictions apply. Consult credit union for complete loan details.

** $25 VISA® Gift Card distributed at loan closing on any loan of $5,000-$10,000. GPS navigation unit ordered at loan closing on any loan over $10,000 and delivered to member’s home. Navigation unit will be model shown or another model of equal value.

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Just For Kids (Up To Age 12)
Parents, the Dollar Dog Kids Club® is a great way to teach your children or grandchildren the value of a dollar and help them budget their money. They’ll also learn the importance of saving, earning, and investing money…and have some fun at the same time!

Let your children see for themselves – have them visit the Dollar Dog Clubhouse on our website at www.auburnfcu.com. You can also stop by today to open a Dollar Dog Kids Club Savings Account for your child.

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Let Us Help You Get Ahead!
(Ages 13-17)
It’s never too early to start saving for your future. Whether you’re thinking about purchasing your first car or wondering about how you’re going to afford college, cha ching!^SM can help you get your finances organized and give you the tools you need to save and budget smarter.

Visit www.auburnfcu.com for cha-ching! articles on a variety of financial topics, as well as loan calculators, podcasts, forums and blogs. Our cha-ching! Young Entrepreneur Video series provides advice on how you can start your own business. You can even listen to our free Music Player while you’re checking out the site.

If you’re not already a member, now is the perfect time to join. Your membership includes all the financial products and services you need – a Savings Account, a Checking Account, access to Online Banking and so much more! Simply stop by the credit union to join today.

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