eMemberConnection - December 2009

February 2010 www.SunFCU.org Shared Branching See Today's Rates

Welcome to the Sun Federal Credit Union eMember Connection! You will receive this email newsletter on the first business day of every month. If you have a question or comment, please email SunFederal@SunFCU.org for assistance or call your local office. To change your subscription, please see the instructions at the end of the email.

Debt Consolidation

Are you trying to get out of credit card debt? We want to help! Sun Federal's Personal Loan features a signature loan rate as low as 7.9% APR* for up to a 5-year term.

Imagine it...your debt PAID!

High Interest Credit Cards
Department Store Credit Cards
Auto repair bills

Apply online or at your local branch.

*As low as rate dependent on credit score and current
SunLife Relationship Reward level. Limited time offer.

Special Offer! Two Ways To Earn $50!

Sun Federal is offering members a chance to save! Make the vehicle purchase of your dreams or refinance your loan from elsewhere. Ask us if you can save money on your monthly payments.

Member Incentive!
1) Get an auto loan and we'll give you $50*!

2) Get $50 when you refer your family or coworkers to open an auto loan*. Receive $50 for each referral!

Auto Loans As Low As
5.49% APR

*APR=Annual Percentage Rate. Terms and Conditions Apply

Living Green Without Spending Green

It's official, the eco-friendly movement is in full swing. As consumers, we've become more and more inundated with messaging about the environment and how product X is going to save the world. With no disrespect to these groundbreaking efforts, the problem for many of us living on a budget is that installing solar panels, channeling wind energy and shopping at our favorite eco-designer's boutique isn't an option right now.

Fortunately, there are plenty of simple things we can do daily to support a greener lifestyle that do not cost a thing up front. Better still, these greener habits can save your household money, and the environment, some of its precious resources. Even if you only adopt one or two of these suggestions, it's a great start. At home, at school and out in the world, consider these greener habits in 2010.

Tips To Protect Your
Financial Information

Don't respond to unsolicited requests for your personal information. Instead, contact Sun Federal or the company at a phone number or a Web address you know to be correct.
Avoid opening email attachments or downloading any files from people or companies you don't know. This can protect your computer from viruses.
Misspelled words or a lack of personal greetings in an email may signal fraud. However, the presence of a personal greeting or a lack of errors does not guarantee legitimacy. Always be skeptical.
Update your security software (spam filters, anti-virus, anti-spyware, firewall) regularly to help stop your computer from accepting unwanted files sent via phishing emails.
Email is not a secure method of transmitting personal information (account number, Social Security Number, passwords, etc).
Review credit card and account statements as soon as you receive them or when possible sign-up for online account access. If you find unauthorized charges, immediately notify Sun Federal or the company.
Report phishing scams to Sun Federal or the organization the scam artist is impersonating and to the Attorney General's Office.

The Lifetime IRA:
Sleep E-Z For A Lifetime

Take Advantage of This Limited Time Offer!

The Lifetime IRA is built upon a strong foundation of security, earnings and convenience. It has members’ best interest in mind when it comes to retirement protection.

New Money Only!
Rollovers or Lump Sum Distributions
10-year fixed term
4% APY (minimum) reprices to market conditions every two years
$50,000 minimum investment and
$500,000 maximum
Withdraw up to 5% of the principal each year without penalty

Contact your local Sun Federal branch for further information.

Coming Soon To The Oregon Branch

Good news for members of our Oregon branch! Plans are in the works for a new ATM to be installed in the branch. Watch for more details.

Financial Management

At Sun Federal, members can organize their financial affairs and plan for the future. Representatives are available for a no cost, no obligation consultation to analyze members’ current financial situation and identify objectives in areas such as Retirement Planning, Annuities, College Funding and Investments. Call your local branch for details.

What To Do If You Suspect
Elder Financial Abuse

If you suspect a family member is exploiting an elderly relative, Chayo Reyes, a retired detective with the Los Angeles Police Department, advises taking these steps:

Write down your concerns.
Be specific. Use summarizing bullet points.
Stay calm. You'll hurt your case if you're emotional.
Document whom you talk to, and when. It adds credibility, says Reyes.
Call Adult Protective Services (APS), local law enforcement and the person's financial institution as soon as possible. In many communities, APS is listed under the Department of Health and Human Services or Social Services. Many states have elderly abuse hotlines, which can be found at www.ncea.aoa.gov; click on "Help Hotline."
If it's an emergency, call 9-1-1.

For more information on Elder Financial Abuse, visit the website for National Center On Elder Abuse.

Thank you for saving, spending
and borrowing with us.

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Mission Statement
In the spirit of "People Caring About People," the Mission of Sun Federal Credit Union is to improve the quality of life for each member through a personal and professional service relationship that results in members for a lifetime.

Rates current as of 2/1/2010 and are subject to change. APR=annual percentage rate APY=annual percentage yield

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. Your Savings Insured for an Additional $250,000 by Excess Share Insurance, the Nation's Largest Private Deposit Insurer. Sun Federal is an Equal Housing Lender.