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You’ve Earned It! Member Benefits from SEFCU

May 31, 2011

You’ve Earned It!

SEFCU is rewarding members who have worked hard to keep their credit in great standing with special loan rates on some of its most popular loans. Qualified borrowers can save money on new loans with rates as low as:

· 2.75% APR* for new auto loans (’08 – ’11)

· 3.25% APR** for used auto loans (’04 – ’07)

· 2.50% APR1 for Home Equity Lines of Credit for the first 12 months and Prime plus 0% thereafter

Don’t miss out! These offers are only here for a limited time. Apply today online at sefcu.com or by phone at 518-452-8183 or 800-727-3328. Want to learn about more special offers and rates. Stop by our Cooperstown branch at 169 Main Street or visit sefcu.com.

In the market for a new home? Take advantage of SEFCU’s no mortgage insurance, no points loan and save thousands! Call a Mortgage Originator at 518-783-1234 or 800-444-6313 to learn more about this special offer today.

* Annual Percentage Rate. Published rate applies to vehicle model years 2008-2011 for 24, 36, 48, and 60 month terms. Rate listed includes a quarter-percent discount for electronic payment and assumes creditworthiness. Other rates and terms may apply. Rates are subject to change without notice. Published rate is for new SEFCU loans.

** Annual Percentage Rate. Published rate applies to vehicle model years 2004-2007 for 36, 48, and 60 creditworthiness. Other rates and terms may apply. Rates are subject to change without notice.Published rate is for new SEFCU loans.

1 Annual Percentage Rate. Rates for a Home Equity Line of Credit are as low as 2.50% APR for the first year and Prime plus 0% thereafter. This rate applies to loans up to an 80% Loan-to-Value (LTV) ratio with a 25-year term. APR is variable based on the Prime rate published in the Wall Street Journal. Prime rate as of 5/31/2011 is 3.25%. Interest and payments adjust annually with a 2% annual cap and a 14.9% lifetime cap. Other rates available for LTVs up to 85%. All loans are subject to creditworthiness.New York State Mortgage Tax is required and paid by the borrower. Title Insurance may be required.The remaining closing costs paid by SEFCU on behalf of the borrower will be charged back and added tothe payoff amount of the loan if the home equity line is discharged within three years of loan closing.Closing costs are estimated at $200-$600. Rates are as of 5/31/2011, and are subject to change at anytime. Published rate is for new SEFCU loans.

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