In this Issue

	Put Your High-Interest Store Cards on a Diet
	The Kelly Group
	Keep Your Resolution to Save Money with a Low-Rate VISA® Card from CCSEFCU!
	Announcing Our Annual Meeting
	CCSEFCU PRIVACY NOTICE
	Holiday Schedule

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

Elkton:
203 Booth Street
Elkton, MD 21921
Telephone:
410-398-6921
Fax:
410-398-0032

Our representatives are available Monday through Friday during the
following times:

Hours:
8:00 a.m. to 4:30 p.m.

North East:
3135 Biggs Highway,
Suite #6
North East, MD 21901
Telephone:
410-287-8060
Fax:
410-287-8176

Our representatives are available Monday through Friday during the
following times:

Hours:
12:00 p.m. to 4:30 p.m.

NEW: ATM Now Available!

TellerLine:
1-800-388-8380

Online:
www.ccsefcu.org

Put Your High-Interest Store Cards on a Diet
with a personal loan from Cecil County School Employees’ Federal Credit Union!

Holiday bills weighing you down? Turn to CCSEFCU to help you slim down your budget for 2012! Save money with Cecil County School Employees’ Federal Credit Union’s special personal loan offer. Consolidate your high-interest store card debt into a low-rate signature loan, and look forward to saving money all year long!

With rates as low as 10.99% APR* and terms of up to 60 months, now is a great time to get back in control of your debt. So stop in or call your nearest branch today. Start the New Year right, with a little help from CCSEFCU!

The Kelly Group (back to top)

Keep Your Resolution to Save Money with a Low-Rate VISA® Card from CCSEFCU!(back to top)

Resolve to save some of your hard earned cash this year? We can help! Put away those high interest cards and make our low-rate VISA® your go-to credit card in 2012 and save all year long!

• $5 nominal balance transfer fee
• Rates as low as 8.99%*
• No transaction fees on purchases
• Zero minimum finance charges
• Reasonable $15 late fee and $25 over-the-limit fee

Visit us at www.ccsefcu.org, call (410) 398-6921, or stop by our office
to apply, and make sticking to those resolutions a little easier!

*Annual Percentage Rate. Your rate may vary based
on your individual credit profile.

Announcing Our Annual Meeting(back to top)

We’d like to invite all our members to come to CCSEFCU’s upcoming Annual Meeting! The meeting will be held on Thursday, February 2nd at 4:30 p.m. in the Elkton Middle School Cafeteria. Here’s your chance to meet your fellow Credit Union members and to hear all the latest news about CCSEFCU’s activities and achievements. We’ll also discuss our long-term goals and celebrate our milestones. We’ll be closing at 4:00 p.m. the day of the meeting so that all of the Credit Union’s employees will be able to attend. There will be great drawings and giveaways! Please join us!

CCSEFCU PRIVACY NOTICE (back to top)

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
Jan. 16, 2012

President's Day
February 20, 2012

Easter Holiday
April 6 & 9, 2012

Memorial Day
May 28, 2012