If the Cash Isn’t in Your Piggy Bank…
Maybe It’s in Your House!

If you’re starting 2007 with some extra expenses, like home
improvements, educational expenses or debt consolidation, you might be looking for some extra cash. If it isn’t in your piggy bank,
maybe you should look in your house! With a home equity loan from SECU, the extra cash you need may be hiding in your house.

Our home equity line of credit features:

• attractive rates
• simple application process
• payroll deduction capabilities

Keep money at your fingertips when you need it! Simply apply for a line of credit for the equity you have in your home, minus the first
mortgage. Upon approval, you can draw on that amount whenever you need it. You only pay interest on the money you use. And best of all, the interest you pay may be tax deductible. Check with your tax
advisor for details. For more information, call the credit union at (404) 656-4114 or log on to www.secuga.org.

Solve the Debit Card Dilemma
Sign with Your PEN, Don't Punch in Your PIN!

Many people choose to punch in a PIN rather than signing for their transactions at a point-of-sale machine, believing that a PIN is a safer and more convenient choice. Some people believe that if they press “credit” to sign for the transaction, the charge will be posted to their credit card.

While using a PIN is great when you need cash back, it is not the best choice for other purchases. Here are some reasons why you should press “credit”
instead of “debit”:

• Funds still come from your checking account
• You don’t have to enter your PIN in public
• Charge-back protection for purchases
• Maximum protection against fraud
• No transaction fees

Some of the largest merchants now have PIN-steering point-of-sale terminals that automatically ask for your PIN. But you can still choose the “credit” option. Next time, choose “credit” and use your PEN instead of your PIN.

Make Your Savings Resolution a Sure Thing

Did you make a New Year’s resolution to start saving in 2007? Why not make it a sure thing, with payroll deduction into your SECU savings account? It’s easy to pay yourself first and make breaking that resolution much tougher to do.

When you sign up for payroll deduction, you can authorize a monthly automatic transfer of an amount you choose to any of your SECU savings accounts, including:

• Holiday Savings Account
• Regular Share (Savings) Account
• Individual Retirement Account

For more information on opening a savings account or signing up for payroll deduction, call the credit union at (404) 656-3748 or (800) 659-7328.