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In this Issue
Credit Union Info
Board of Directors
Fred L. Barrett, President
Randy Sheaffer, Vice-President
Donna L. Brown, Secretary
Betty L. Gray, Treasurer / Manager
Michele Dowdell
Edward Herr
James Raab
Thomas Shaffner
Sandra Smith
Education Committee
Josephine L. Cassidy
Carol Duff
Candace Vogelsong
Credit Committee
R. Eugene Clay, Chairman
Nelson Bolender
Gary Lewis
Supervisory Committee
Tom Shaffner, Chairman
Jeff Bundy
James Prigel
Maurice Tenney
Hours and Location
203 Booth Street
Elkton, MD 21921
Our representatives are available Monday through Friday during the
following times:
School Year Hours:
8:00 a.m. to 4:30 p.m. ES
Summer Hours:
June 22 through August 21
9:00 a.m. - 4:00 p.m.
Monday - Friday
Telephone:
410-398-6921
TellerLine:
1-800-388-8380
Online:
www.ccsefcu.org
Fax:
Count410-398-0032
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Get A Do Over!
When Your Credit Card Goes Sour
By now, either you or someone you know probably has a horror story to tell about unexpected rate increases from their credit card issuer. Even customers with long, untarnished credit records are falling victim to unilateral increases, fees, and unfavorable changes to lending agreements. For the big companies its just business, and their business is about making as much money as possible.
At CCSEFCU, we look at you for what you are, a member. You’re one of a group of individuals united in a not-for-profit financial institution dedicated to serving the financial needs of its members. That distinction goes a long way in explaining why our credit card terms are much more user friendly than those at the big commercial banks, and why we still offer members credit at a reasonable rate of just 8.99% APR*. See if your current card can beat these terms:
•$5 nominal balance transfer fee
• Zero minimum finance charges
• No transaction fees on purchases
• Reasonable $15.00 late fees and $25 over-the-limit fees
If your current credit card provider is leaving you with a sour taste in your mouth, contact us about a credit Do Over. We always play fair, because we’re on your team.
Visit www.ccsefcu.org, call (410) 398-6921 or stop by our office.
*APR=Annual Percentage Rate. Your rate may vary base on individual credit profile.
KELLY FINANCIAL GROUP, LLC (back to top)
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KELLY FINANCIAL GROUP, LLC
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provided by Bryan E. Kelly, CFP® and William S. Kelly, CPA, CFP® |
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The New Year is a good time for reflection and rededication. It is also a great time for us to say thank you for your continuing trust, referrals, and relationships. It goes without saying that the past 12 months have provided elements of excitement, challenges, anxiety, and temptation – and through it all, you, our valued clients, have maintained confidence and patience in our financial planning approach. Of course the greatest heartache and loss for us and many of you was that of our dear friend and colleague, John E. Asberry, CFP®. God Bless you John!
This past year we concentrated on planning, education, and innovation, all in an effort to improve the quality and depth of our relationship with you. If we’ve learned anything, it is that our clients benefit the most when our discussions center on financial planning issues – not simply investment advice.
So as we enter this new decade of the 21st century together, please know that we stand ready to work with you in your planning and look forward to our future together.
Wishing you a Prosperous New Year
Securities offered through Cambridge Investment Research, Inc., A Broker/Dealer, Member FINRA/SIPC and Investment Advisor Representative. Cambridge Investment Research Advisor, Inc. a Registered Investment Advisor. Kelly Financial Group, LLC and Cambridge are not affiliated.
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Annual Meeting (back to top)
Thursday, February 4th, 4:30pm
Elkton Middle School Cafeteria
We will be closing at 4:00pm the day of the meeting.
Door Prize Drawing for an IPod Touch 8GB - a $200 value!!!
It's Free To Be Green (back to top)
With E-Statements
In addition to helping the environment and de-cluttering your countertops, e-statements are:
• Fast • Convenient • Secure • And yes, FREE
Sign up today – registration is available through your secure online banking account.
Annual Scholarship Program (back to top)
$1000 To Be Used At Any Accredited College Or University
This scholarship program is for CCSEFCU members only. Students may join the credit union and then apply. All students in the Cecil County Public School System are eligible for membership.
Guidelines: for upcoming college students. To enter, the student must:
• Be and/or become a member of CCSEFCU
• Be a high school senior
• Have a GPA of 2.5 or above
• Submit a two page double-spaced essay on the topic:
“How Are Credit Unions Different from Banks?” For example: How are credit unions able to offer the same products and services as banks at better rates with lower fees?
All essays must be forwarded to the credit union at 203 Booth Street, Elkton, MD by April 20, 2010 for a decision to be made by May 8, 2010. For more information, contact the credit union office at 410-398-6921 or e-mail info@ccsefcu.org.
PLUS – two other scholarships are available, visit www.ccsefcu.org to see all scholarship opportunities.
Classified Ads (back to top)
As a service to our members, we offer free placement of classified ads in our newsletter. We reserve the right to publish submitted ads at our discretion.
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19” Flat Screen Computer
Gateway Model, DX 442 B, 320Gig Hard Drive,
Intel Pentium Dual CPU #2200, 2.2GHZ, 2 GB
Ram, DVD RW Drive, 32 Bit Operations
System. $400.00 or best offer - 410.620.1115
Charmed (Total of 27 DVDs)
First season to the eighth edition. $40.00 -
410.620.1115
Duff Construction
Excavating – driveways cut & stoned, footers,
septic systems, basements dug, and drain fields
installed. Hauling, bulkhead repair, all site
work, buildings demolished and removed.
Contact Ernie Duff after 6pm at 410.275.2769
or 443.205.8093
JGR Professional Cleaning Service
Jo Beth Rutter, owner. Residential & Commercial.
No job too big or too small. Call for free
estimate. 410.443.0447
Share Home
Close to Rt 272 & I95. Senior gentleman share
home with complete priviledges of house -
$520.00. Call Glenn 410.287.9614
Carrion Plumbing
Randall P. Carrion, Home 410.275.2961, or Cell
443.350.3061
For Sale
Beautiful 2 bedroom, 2 bath condo with patio, in
N. Miami Beach, FL. Right on the
Intracoastal waterway, dock space
available. Large pool, community
center and many other amenities. Only
2 miles from the beach! Perfect for
snowbirds, investors, full-time residents.
If interested, please contact Barbara Nolan at:
(302) 834 - 0108
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Reminders! (back to top)
 Annual Meeting
February 4, 2010, 4:30pm
Elkton Middle School Cafeteria
We will be closing at 4:00pm the day of the meeting. Door prize drawing for an IPod Touch 8GB - a $200 value!!!
Holiday Schedule (back to top)
Please note that your Credit Union will be closed in observance of the following holidays:
Martin Luther King, Jr. Day
January 18, 2010
Presidents Day
February 15, 2010
Good Friday
April 2, 2010
Easter Monday
April 5, 2010
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Cecil County Schools
Federal Credit Union
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