Every Day is Bank
Transfer Day
TM
Last year, a bank customer shared
her dissatisfaction with high bank
fees on social media, striking a
chord with thousands of others.
That public outcry inspired “Bank
Transfer Day” across the country,
as consumers chose to switch their
bank accounts to credit unions
with lower fees.
Someone in your
family might win
a Kindle reader!
We’d like to meet more of your
family! Encourage your family members to join Saint Agnes Employees
Federal Credit Union for our great
rates and service. And, as an added
incentive, the names of all new
members who join our credit union
from 10/1/12 through 11/30/12 will
be entered for a chance to win a
Kindle e-book reader.
Eligible family members include:
Spouse, child, sibling, parent,
grandparent or grandchild, stepparents, stepchildren, stepsiblings
and adoptive relationships.
Ask for complete contest rules in
a branch, visit www.saefcu.org or
call 410-368-3125.
To continue the momentum,
credit unions say, “Every Day is Bank
Transfer Day.” TM If you still keep any
accounts at banks, compare their
fees and rates to see if you’ll save
money by switching those accounts
to Saint Agnes.
Celebrate Credit Union
Day on October 18
More than 150 years ago, European
farmers banded together to form
financial cooperatives, the model
for today’s credit unions. How are
credit unions different from banks?
They’re managed to provide maximum benefit for their member/
owners (rather than stockholders)
with better rates and lower fees,
on average.
Each year, credit unions celebrate
Credit Union Day to recognize our
members, employees and volunteers,
and we’re no exception. Stop by
either of our branches on Thursday,
October 18, for candy, giveaways—
and exceptional personal service!
Get projects done
with your home’s
equity
Winter’s just around the corner, so
why wait to get home remodeling
projects like window replacements
completed? If you don’t have the
cash to get the job done, borrow
for a low interest rate using the
equity in your home.
Compare our home equity rates
(on page four) with just about any
credit card rates. If you have a onetime project, you may prefer a loan
with a set rate to pay off according to
the term you choose. Or, a variable
rate line of credit can be used over
and over again, and may have a
lower Annual Percentage Rate. Visit
www.saefcu.org to learn more.
Saying goodbye
to Margaret
Burdette
After more than 30 years of
service to our credit union
members, CEO/President
Margaret Burdette will retire
in February 2013.
Plans for a January retirement
reception are in the works,
but please stop by and wish
Margaret well anytime!
The real cost of buying a car —
the sticker price is only part of the story
Three reasons
to use your Saint
Agnes Platinum
Visa® card
1) Using your Visa credit card for
purchases makes sense because
you’re building a credit history
based on your payment habits.
Paying your balance (or at least the
minimum payment) each month
can help when you apply for loans
in the future.
To add up the true cost of a buying
and maintaining a car, you’ll want
to factor in estimated maintenance
expenses, insurance, roadside
assistance plans, extended warranties and gas mileage (traditional
versus hybrids). Theft protection
and upgraded safety and accessory
packages may also interest you.
A Saint Agnes Credit Union auto
loan can help make your next car
affordable! It’s hard to beat our
loan rates as low as 2.50% APR*
for new cars, and as low as 2.90%
APR* for used cars. Plus, we offer a
variety of terms: 36, 48, 60 and 72
month terms. (Financing for 73-84
months is also available for some
vehicles.)
Visit a branch or our Vehicle Loans
page at www.saefcu.org for details.
* APR = Annual Percentage Rate. Rate quoted is the
lowest available (“as low as”), effective 9/15/12
and subject to change. Actual rate may differ and
depends on the applicant’s credit history. Loan
term depends on amount borrowed. New autos:
100% financing not to exceed 100% MSRP, plus tax,
tags, warranties and credit insurance. Used autos:
Amount financed will be the lesser of the purchase
price or NADA retail value, plus taxes, tags, warranties and credit insurance.
These services make car
buying easier:
Carfax – Want to check out the history of
a specific used car? Visit www.carfax.
com—for $39.99, purchase a vehicle
history on a used auto or truck before
you make a commitment to buy.
CUALN – The Credit Union Auto
Loan Network (CUALN) provides
automobile financing at more than
220 local auto dealers for Saint
Agnes and other area credit unions.
That means you can arrange for our
financing (and low rates) and take
care of your paperwork right at any
participating dealer, without visiting a branch. To see if your preferred
dealer belongs to the network, visit
www.cualn.com.
Enterprise Car Sales – Looking
for a quality used car? Enterprise
Car Sales offers many promotional
specials on well-maintained used
vehicles. Visit www.cuautodeals.
com to learn more.
2) Your purchases are protected by
Visa network insurance, meaning
you only have to pay up to $50 of
unauthorized charges if your card
is lost or stolen and you notify Visa
right away. That’s more purchase
protection than you’ll get when
you pay with a check.
3) Best of all, you’ll earn rewards
points for travel and merchandise,
one point for every net dollar
spent. To check out current ScoreCard offers and point levels, visit
www.ScoreCardRewards.com.
When you’ve earned enough
points, be sure to redeem them for
holiday gift giving!
Invest in America (GM) – If you
like to buy General Motors vehicles,
click on the Invest in America banner
on our home page (www.saefcu.org)
to learn about special GM deals for
credit union members.
MVCP – This car-buying service
pre-negotiates pricing with car
dealers, to save you haggling over
prices. Visit www.mvcp.com for
details—and be sure to mention
that you’re a Saint Agnes member!
UBS – United Buying Service (UBS)
also offers pre-negotiated prices on
many vehicles. Ask to see the green
binder in our branches to research
the car models you’re interested in,
or visit the link on our website or
www.ubs4cars.com.
A Million & More
Sweepstakes
One more reason to use your Saint
Agnes Platinum Visa® credit card—
each time you earn ScoreCard
Bonus Points from 10/1/12 through
12/31/12, you’ll be automatically
entered in the “A Million & More
Sweepstakes.” For details, visit
www.ScoreCardRewards.com.
Congratulations
to our scholarship
winner!
In spring 2012, Saint Agnes
Employees Federal Credit Union
awarded a $1,000 scholarship to
Savannah D’Aurora, based on her
academic and community service
achievements. Look for news about
our 2013 scholarship in the January
issue of The Pulse.
Shown from left: Paul Coakley, Chairman
of the Board; 2012 scholarship winner
Savannah D’Aurora; and Margaret
Burdette, CEO/President.
2013 Credit Union
Foundation
scholarship
Listen up, high school seniors! The
Credit Union Foundation of MD
& DC invites you to apply for the
2013 Credit Union Scholarship
program, which awards $11,000 in
college scholarships to local credit
union members. The deadline for
submitting materials is 3/31/13.
Look for more details in the January
newsletter.
Planners Club: sign
up in December
Save for vacation, tuition,
insurance, or any special need
with this six-month savings
plan. Deductions are taken
from 13 pays and distributions
are made in July 2013 into
your regular Share account.
Ask for a Planners Club enrollment form when you visit a
branch or visit www.saefcu.org/
savings for details.
Pay less for Sprint
phone service
Surcharge-free
access to 50,000
Allpoint ATMs
across the world
Did you know you can use more
than 50,000 surcharge-free ATMs
in the United States, Canada and
Europe?
Saint Agnes Employees Federal
Credit Union is a member of the
Allpoint ATM network, with 38,000
ATMs in the U.S. alone, even more
than the Bank of America!
So, if you’re concerned about the
high cost of ATM fees, look for the
bright green Allpoint logo on ATMs
in all Target and Costco stores, and
many CVS, 7-Eleven, Walgreens,
and other retail locations. Save
some green by looking for the
green Allpoint logo!
The Invest in America program
offers credit union member awards
like discounted phone service
through Sprint. As a member of
this credit union, you can receive a
10% discount on regularly priced
service plans—plus waived application and upgrade fees.*
For details about the discount, visit
www.LoveMy CreditUnion.org/
Sprint or any Sprint retail store. Or
call 877-SAVE-4CU, tell them you’re
a Saint Agnes Credit Union member and ask to be attached to the
“NACUC_ZZM” corporate ID.
* Application of discount
requires 2-year contract
extension on existing
plans. Verification
of membership is
required at time of
activation/upgrade.
Discount does
not apply to
secondary
lines.
LOAN RATES
LOAN TYPE Personal Loans
Share Secured New Car Loans Used Car Loans APR*
as low as 9.90%**
as low as 3.00%**
as low as 2.50%**
as low as 2.90%**
VISA® CREDIT CARDS
VISA Classic VISA Gold Visa® Platinum 10.90% fixed
9.90% fixed
8.90% fixed
HOME EQUITY
Line of Credit Closed-End/Fixed Rate
5 year
10 year
15 year Prime*** plus .25%
as low as 4.50%**
as low as 5.00%**
as low as 5.50%**
Loan rates are subject to change. Please call 410-368-3125 or visit
www.saefcu.org for current loan and savings rates.
* Annual Percentage Rate
** Rates quoted are the lowest available (“as low as”). Actual rate may differ
and is dependent on the applicant’s credit history and/or term of loan.
*** Prime rate as published on www.moneycafe.com/library/primerate.
htm. The equity loan rate is subject to change on the first day of the
quarter (January, April, July and October) following a change in the
prime rate. Minimum 3%.
OUR FINANCIAL HEALTH
as of August 31, 2012
Assets$45,483,759
Shares$40,730,541
Loans$22,133,015
Members7,208
INFORMATION CENTER
Holiday Closings
Columbus Day
Veterans Day
Thanksgiving
Christmas Eve
Christmas Day
New Year’s Eve
New Year’s Day
Closed Monday, October 8, 2012
Closed Monday, November 12, 2012
Closed Thursday, November 22, 2012
Closing at 1:00 pm on December 24, 2012
Closed Tuesday, December 25, 2012
Closing at 1:00 pm on December 31, 2012
Closed Tuesday, January 1, 2013
Locations
Saint Agnes Hospital branch office
900 Caton Avenue, Baltimore, MD 21229
Maiden Choice Medical Center branch office
720 Maiden Choice Lane, Suite E, Baltimore, MD 21228
Branch Office Hours
Saint Agnes Hospital
Monday
7:30 am – 4:00 pm
Tuesday
7:00 am – 2:30 pm
Wednesday 8:00 am – 4:00 pm
Thursday 9:00 am – noon
3:00 pm – 6:00 pm
Friday
7:00 am – 2:00 pm
Maiden Choice Medical Center
8:30 am – 3:00 pm
8:30 am – 2:30 pm
8:30 am – 3:00 pm
8:30 am – noon
––––––
8:30 am – 2:00 pm
Telephone Hours (same as office hours above)
Call 410-368-3125
– Press “3” to reach the Saint Agnes Hospital office
– Press “5” to reach the Maiden Choice office
Quick Check (24 hour telephone banking)
Call 410-368-8606
Fax
410-869-8293 (Maiden Choice office)
410-368-3584 (Saint Agnes Hospital office)
Lost or stolen ATM or VISA Check Card (debit card)
Call 800-554-8969
Lost or stolen Visa Credit Card: 800-808-7230
E-mail: [email protected]
For the fastest service, please keep
your contact information current
Moving? Remember to tell us when you have new
contact information—mailing address, e-mail address,
and cell, home or work phone numbers.
To protect your security, we must receive your changes
in writing (with your signature). Changes can be faxed
to 410-869-8293 or mailed to: Saint Agnes Employees
Federal Credit Union, 720-E Maiden Choice Lane,
Baltimore, MD 21228.
Your savings federally insured to at
least $250,000 and backed by the full
faith and credit of the United States
Government. National Credit Union
Administration, A U.S. Government
Agency.
Equal
Opportunity
Lender