In this Issue

	Beat the Rate Auto Refinance Special!
	The Kelly Group
	Feeling a little STUCK for cash this holiday season?
	Skip-A-Loan Payment
	Taking the IF out of Real Estate
	24-Hour ATM
	Classified Ads
	Reminders
	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:

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

Summer Hours:
June 20 through August 19
9:00 a.m. - 4:00 p.m.
Monday - Friday

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:

School Year Hours:
12:30 p.m. to 4:30 p.m.

Summer Hours:
June 20 through August 19
12:00 p.m. - 4:00 p.m.

NEW: ATM Now Available!

TellerLine:
1-800-388-8380

Online:
www.ccsefcu.org

Beat the Rate Auto Refinance Special!

The Kelly Group (back to top)

Feeling a little STUCK for cash this holiday season? (back to top)

Christmas can be hard on your pocketbook, especially when times are tough. If you feel like you’ve been tightening your belt all year, and you’re still hung up on where you’re going to find the money to make a happy holiday, we’ve got what you need! You don’t have to cry, you don’t have to pout – CCSEFCU is here to help you out, with the lowest loan rate we’ve ever offered!

You can borrow up to $1500 with a rate of 7.99%, so our Christmas loan special is just right to make your holiday smooth and easy. Loans have to be repaid by June 30, 2012, so you’ll be able to have yourself a merry little Christmas without worrying about big loan payments.

This special offer is only good from November 1st through December 16th, though, so don’t wait too long – pull out that sleigh, hook up the reindeer, and come on in to CCSEFCU. Let us help you make sure that it will be a holly jolly Christmas for everyone on your list!

Skip-A-Loan Payment (back to top)

Just what you need to make the holiday brighter!

CCSEFCU wants to make your holiday a little brighter with our Skip-A-Loan Payment Program. Choose either December 2011 or January 2012 to skip a loan(s) payment with us. You
can choose to skip one payment for every loan you have with CCSEFCU!

It’s so easy to take advantage of this special offer: as long as all of your loans are current and your savings and/or Checking accounts are not overdrawn, you qualify! A $25 processing fee per loan (e.g., from your share savings account) is all it takes. There are no penalties for skipping –
only a nice holiday break for you and your cash flow.

Simply complete the form on the back of this Newsletter, drop it by our office, or fax to: (410) 398-0032. We’ll take care of the rest!

Taking the IF out of Real Estate (back to top)

Get the answers to all your questions about selling or buying real estate from local experts.

What does the market look like in your neighborhood?

Ready to step out of renting?

Needing to sell to get in to a bigger/smaller/closer to work place?

The market is changing. Arm yourself with the knowledge to make your next best move.

October 25th, 6-7:30 at the North East branch of CCSEFCU

RSVP to 410-920-9730

24-Hour ATM (back to top)

Classified Ads (back to top)

Reminders: (back to top)

Holiday Schedule (back to top)

Please note that your Credit Union will be closed in observance of the following holidays:

Columbus Day
Oct. 10, 2011

Veterans Day
Nov. 11, 2011

Thanksgiving
Nov. 24 & 25, 2011

Christmas
Dec. 23, 26 & 27, 2011

Dec. 28-30
Hours:
Elkton - 9-3
North East - 12-3

New Year’s Day
Jan. 2, 2012

Martin Luther King Jr. Day
Jan. 16, 2012