Buying Your First Home? Maybe Refinancing?

2012 ANNUAL
MEMBERSHIP MEETING
You know the benefits of credit
union membership because you
are a member of The Southern
Federal Credit Union, but does
your family enjoy the same
benefits?
Freudenberg-NOK
New Ventures
3.18.1975
Credit Union membership
means great things: lower
rates, a variety of made-to-fit
programs, and more efficient
and personal service. Share all
the great products and services
that The Southern has to offer
with your family.
Let them know how
convenient your Credit Union
is and how easy it is to
become a member!
Call 1.800.338.5882 or
770.719.1111 for more
information.
No nominations were received by
petition for the 2012 Annual Meeting.
Therefore, the Nominees: Morris D.
Kelly and Wilton A. Marchman as
offered by the Nominating Committee,
are to be elected by acclamation. Each
nominee will serve a three-year term.
We would like to take this opportunity to
express our thanks to you, our member.
Join us at The Southern Federal Credit
Union Member Appreciation Day on
Friday May 4th. Stop by our Peachtree City
branch and enjoy ice cream, soft drinks,
cookies and other goodies. Register to win
one of two gift cards that will be given
away during the event.
In addition to all of the great treats,
we’ll also be hosting a BEST DRESSED
DOG Competition. Win up to $40 Gift
Certificate towards grooming and other
fun prizes
NEW OR USED
VEHICLE LOAN
Ropak Packing
Staffmark Transportation
The Auction Way Company, Inc.
Secretary of State
Contest begins at 12:00 pm. Register your
dog today!
Prizes and judging provided by Randy
LaSante, owner of Beau Tye’s Pet Spa.
*Annual Percentage Rate. Coupon
good through June 30, 2012. Discount
is deducted from applicant’s qualified
rate. Credit conditions and qualifications
apply. Pre-existing loans with the Credit
Union are not eligible for refinancing. One
coupon per member. May not be used in
conjunction with any other offer.
430 East Lanier Ave. • Fayetteville, GA 30214
LOBBY HOURS
Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. - 12 p.m.
Southern
SPRING 2012
Griffin
1610 Highway 16 West • Griffin, GA 30223
LOBBY HOURS
Monday – Thursday 9 a.m. - 4 p.m.
Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
Jonesboro
Holiday Closings:
1099 Battle Creek Road • Jonesboro, GA 30236
LOBBY AND DRIVE-THRU HOURS
Monday – Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. – 12 p.m.
Memorial Day
Saturday, May 26th, 2012
Monday, May 28th, 2012
Independence Day
Wednesday, July 4th, 2012
Buying Your First Home?
Maybe Refinancing?
ATM + NIGHT DROP ON LOCATION
Newnan
232 Bullsboro Drive • Newnan, GA 30263
LOBBY HOURS
Monday – Thursday 9 a.m. – 4 p.m.
Friday 9 a.m. – 5 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. – 5 p.m.
Friday 8:30 a.m. – 6 p.m.
When it Comes to Big Decisions,
it is All About Trust.
Trust The Southern.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
STATISTICALLY SPEAKING
As of February 29, 2012
Assets
Shares
Loans
Members
$300,884,025
$264,430,652
$91,294,867
32,493
Peachtree City
1400 Commerce Drive • Peachtree City, GA 30269
LOBBY HOURS
Monday – Thursday 9:00 a.m. - 4:00 p.m.
Friday 9:00 a.m. - 5:00 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
Atlanta
466 East Tower • 205 Jesse Hill Jr. Drive SE, #466
Atlanta, Georgia 30334
Categories will include:
• Best Dressed/Cutest Canine
• Bow Wow Look -A-Like
• Peoples Choice
Fayetteville
ATM + NIGHT DROP ON LOCATION
Trinidad Benham Corp.
Our Annual Meeting will be held on
Monday, April 23rd, 2012, at 6 PM in
the Peachtree City Financial Center
Branch located at 1400 Commerce Drive,
Peachtree City, Georgia. Credit Union
President, Ray Hull and the other Board
members will present the Credit Union’s
2011 financials and discuss other
business items relating to the previous
year. All members are invited to attend,
so please join us.
MEMBER (AND THEIR DOGS)
APPRECIATION DAY
COUPON
120297_SFCU_Spring_NL.indd 1
Welcome to
The Southern:
Malone Staffing
As we maintain our focus of
trying to extend our peoplehelping-people practices to
more individuals in the area,
we invite you to pass along
the message of credit union
membership to your family.
A P U B L I C AT I O N F O R M E M B E R S O F T H E S O U T H E R N F E D E R A L C R E D I T U N I O N
LOCATIONS AND BRANCH HOURS
2 1.1
2.2
1.1963
9
963
SHARE YOUR CREDIT
UNION MEMBERSHIP
WITH YOUR FAMILY
DIVIDEND NEWS
It’s the perfect time to take advantage of today’s low interest
rates! The Southern can save you money, whether you want to
purchase a new home or lower your payments by refinancing.
Financing & Getting Pre-Approved
Finding the right type of financing that meets your needs
and obtaining a pre-approval are key steps in the homebuying process. The Southern offers its members a full line
of mortgage products and services including a first time
buyer program with fixed and adjustable rates. According
to James Richards, Vice President of Mortgages, “Now’s
the time to purchase a home! Mortgage rates are at an all
time low, and values are down to levels last seen in 2001.”
As of March 31, 2012
LOBBY HOURS
Monday – Friday 8:00 a.m.- 4:30 p.m.
We’re here to help.
Balance
LaGrange
As your Credit Union, we’re here to provide you with the
benefits you deserve, along with friendly, personal service.
$0.00-$99.99
0.00%
$100.00-$2499.99
0.15%
$2,500.00-$9,999.99
0.15%
$10,000.00-$24,999.99
0.20%
$25,000.00-and greater
0.20%
Share Drafts
IRA Shares
0.15%
0.50%
117 Bull Street • LaGrange, GA 30240
LOBBY HOURS
Monday – Friday 8:30 a.m.-4:30 p.m.
ATM + NIGHT DROP ON LOCATION
Your mortgage options include:
• Up to 100% financing on a USDA loan
• Up to 100% financing on a VA loan
• Up to 97.5% on an FHA loan
• First and second mortgages and land loans
• 7/10/15/20/30 fixed-rate mortgages
• Very competitive rates
• Low closing costs
• Quick turnaround
• Friendly, professional service
For ongoing flexibility, consider a Home
Equity Line of Credit.
Consolidate your debt, increase your home’s value through
remodeling, or just rest easy knowing you’re always
prepared for unexpected costs. Borrow only what you
want, when you want. You’ll get great rates and only pay
interest on what you use.
Refinancing can save significant amounts
of money, easily.
Now is the perfect time to take advantage of today’s low
interest rates. At The Southern, we can help you save on
your mortgage, and pay it off faster. Simply refinancing to
a 15-year fixed-rate mortgage can make a big difference
over the life of your loan, without a big change in your
monthly payment.
Ready to see some numbers?
We’ll be happy to go over your options with you, so you
can see exactly how much you can save. Give us a call at
800.338.5882,or visit www.southernonline.org or stop by
your local branch today. We’re here for you!
3/23/12 4:49 PM
Save Money and Time on
Your Next Auto Purchase
2.75%* Great-Rate APR Auto Loan
New Online Banking
Platform Coming Soon
It’s available to all qualified borrowers. Even if you don’t have perfect credit, come see us. We’ll help
you qualify. Once you do, our 2.75% APR* applies to you.
Finance a 2003 or newer model at 2.75% APR* for up to 60 months.
Apply today at www.southernonline.org or come visit us. We’ll give you a 2.75% APR* preapproved
loan. You’ll feel Great!
2.75%*
10.29.1952
THE SOUTHERN AND PIEDMONT
FAYETTE HOSPITAL JOIN
TOGETHER TO FIGHT CANCER
The Southern Auto Advantage by Courtesy Select is
designed to assist The Southern Federal Credit Union
members in locating and purchasing an automobile that
fits your needs.
Southern Auto Advantage is
committed to providing you with:
•Discount Pricing
•Convenience
•Trustworthy Service
*Annual percentage rate. This offer includes a .25% discount. Offer and rate are based on applicant’s credit history. Credit conditions
and qualifications apply. Rates offered may require down payment of 10% and arrangement for automatic repayment. Rates and
terms subject to credit approval and subject to change without notice. Other restrictions may apply. Offer excludes all loans
financed at the Credit Union. A $10,000.00 loan at an APR of 2.75% for 60 payments would yield a monthly payment of $178.60.
Offer coupon may not be used in conjunction with any other promotion or applied to existing vehicle loans with The Southern
Federal Credit Union.
THE SOUTHERN IS NOW PART OF THE ALLPOINT NETWORK
Members of The Southern Federal Credit Union can now access
cash from just about anywhere in the U.S. surcharge-free* through
the Allpoint ATM network. So what is an ATM surcharge? An
ATM surcharge is the extra fee you normally pay for not having
an account with the bank that owns the ATM you’re using. That
fee can be as much as $3.50 or more with some banks, but with
Allpoint, it’s free. With more than 43,000 ATMs coast to coast,
Allpoint is your single largest source for surcharge-free ATM
access.
The Southern is making it easier for members to withdraw money
from their accounts and check account balances through the
Allpoint ATM network. These ATMs are conveniently located in
destination retail outlets including retailers such as Target, CVS,
Walgreens, and Kroger stores nationwide.
To find a convenient Allpoint Network ATM, members can visit
www.allpointnetwork.com or download the Allpoint mobile app
for your smartphone. When a member enters his or her location,
the ATM locator brings up all the nearby Allpoint Network ATMs,
providing exact addresses of the ATM sites in closest proximity to
the location entered.
The Allpoint Network gives our members surcharge-free access to
cash in the most convenient locations where they work, live, and
play. In addition to The Southern’s ATMs, members can use any
of the Allpoint Network ATMs in the U.S.
*Non-surcharge related fees for using a non-TSFCU ATM may apply. Please
refer to the TSFCU rate and fee schedule.
120297_SFCU_Spring_NL.indd 2
12.
12
2.9.1980
9 1980
9.1
9
98
The Southern Federal Credit Union has the
privilege to be the title sponsor of the upcoming
Cancer Wellness Walk in Peachtree City.
Proceeds from the Walk will benefit the Cancer
Wellness Center at Piedmont Fayette Hospital.
Cancer Wellness offers comprehensive services
and programs to anyone affected by cancer at
any phase in his or her cancer journey. These
services improve quality of life and promote
health and well being and are provided at no
charge to cancer patients and their families.
The Walk will start at Drake Field in Peachtree
City, Georgia making a 5k loop around Lake
Peachtree. Please come out and join us for a funfilled morning while helping the community in a
wonderful cause.
To register to walk, please visit
cancerwellnesswalk.myevent.com. Thank you
for supporting our community and those who
need our care.
When: Saturday September 8, 2012
9:00 am to 12:00 pm
Where: Drake Field at Lake Peachtree
151 Willowbend Road
Peachtree City, GA
Parking: First Baptist & First Presbyterian Church
Peachtree City, GA
With Southern Auto Advantage, buying a new or preowned car or truck doesn’t have to be a hassle. Members
can receive pre-negotiated, best-market auto pricing on
new cars, trucks, motorcycles and most other vehicles.
•Determine which type of vehicle
you want to purchase
•Contact Southern Auto Advantage and
discuss the vehicle and your price range
•Southern Auto Advantage will find the
vehicle that you are looking for
In an effort to better serve our
members, The Southern has
unveiled a new platform for our
online banking users.
As always, you will be able to
view your accounts, pay bills,
transfer money, order checks,
look at your monthly statement,
and apply for loans.
What’s New:
• Finance Works-Allows you to
create a budget, categorize your
spending, and gives you more
control of your money. You can
add external accounts from other
institutions to help you manage
all of your spending.
What’s different is the look and
feel. This new version is userfriendlier which allows for better
page navigation to enhance your
online banking experience. Look
for more changes coming to our
online platform over the next
few months. Our goal is to give
our members a more complete
and easier way to access their
accounts online.
•The vehicle is delivered to the Credit Union
branch closest to you
•Southern Auto Advantage can also take
care of your trade-in.
Best of all, when you purchase your vehicle through
Southern Auto Advantage, there are no dealers to haggle
with, no time consuming financing discussions and you
will get the best possible price available.
Tell your loan officer that you are interested in using
Southern Auto Advantage, or contact your auto consultant
directly at 770.460.3255 or [email protected]
“My recent car buying experience using Southern
Auto Advantage was a seamless, pleasant
process. The staff located exactly the vehicle I
was looking for at an amazing price and delivered
it to my home. The speed and ease of obtaining
my new car and having someone else handle the
negotiations continues to amaze me. I could not
be more pleased and in the future, I will always
call Southern Auto Advantage first when I plan to
purchase a vehicle of any kind.”
- Donna Smith
HOW IT WORKS: There are
four dates hidden in this
issue. If you find your
birth date, exactly as it
appears on your account,
call the Telephone Service
Center at 770-719-1111
or 1-800-338-5882
AND WIN $50!
3/22/12 4:16 PM
2012 ANNUAL
MEMBERSHIP MEETING
You know the benefits of credit
union membership because you
are a member of The Southern
Federal Credit Union, but does
your family enjoy the same
benefits?
Freudenberg-NOK
New Ventures
3.18.1975
Credit Union membership
means great things: lower
rates, a variety of made-to-fit
programs, and more efficient
and personal service. Share all
the great products and services
that The Southern has to offer
with your family.
Let them know how
convenient your Credit Union
is and how easy it is to
become a member!
Call 1.800.338.5882 or
770.719.1111 for more
information.
No nominations were received by
petition for the 2012 Annual Meeting.
Therefore, the Nominees: Morris D.
Kelly and Wilton A. Marchman as
offered by the Nominating Committee,
are to be elected by acclamation. Each
nominee will serve a three-year term.
We would like to take this opportunity to
express our thanks to you, our member.
Join us at The Southern Federal Credit
Union Member Appreciation Day on
Friday May 4th. Stop by our Peachtree City
branch and enjoy ice cream, soft drinks,
cookies and other goodies. Register to win
one of two gift cards that will be given
away during the event.
In addition to all of the great treats,
we’ll also be hosting a BEST DRESSED
DOG Competition. Win up to $40 Gift
Certificate towards grooming and other
fun prizes
NEW OR USED
VEHICLE LOAN
Ropak Packing
Staffmark Transportation
The Auction Way Company, Inc.
Secretary of State
Contest begins at 12:00 pm. Register your
dog today!
Prizes and judging provided by Randy
LaSante, owner of Beau Tye’s Pet Spa.
*Annual Percentage Rate. Coupon
good through June 30, 2012. Discount
is deducted from applicant’s qualified
rate. Credit conditions and qualifications
apply. Pre-existing loans with the Credit
Union are not eligible for refinancing. One
coupon per member. May not be used in
conjunction with any other offer.
430 East Lanier Ave. • Fayetteville, GA 30214
LOBBY HOURS
Monday – Friday 9 a.m. - 4 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. - 12 p.m.
Southern
SPRING 2012
Griffin
1610 Highway 16 West • Griffin, GA 30223
LOBBY HOURS
Monday – Thursday 9 a.m. - 4 p.m.
Friday 9 a.m. - 5 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
Jonesboro
Holiday Closings:
1099 Battle Creek Road • Jonesboro, GA 30236
LOBBY AND DRIVE-THRU HOURS
Monday – Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. – 12 p.m.
Memorial Day
Saturday, May 26th, 2012
Monday, May 28th, 2012
Independence Day
Wednesday, July 4th, 2012
Buying Your First Home?
Maybe Refinancing?
ATM + NIGHT DROP ON LOCATION
Newnan
232 Bullsboro Drive • Newnan, GA 30263
LOBBY HOURS
Monday – Thursday 9 a.m. – 4 p.m.
Friday 9 a.m. – 5 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. – 5 p.m.
Friday 8:30 a.m. – 6 p.m.
When it Comes to Big Decisions,
it is All About Trust.
Trust The Southern.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. – 12 p.m.
ATM + NIGHT DROP ON LOCATION
STATISTICALLY SPEAKING
As of February 29, 2012
Assets
Shares
Loans
Members
$300,884,025
$264,430,652
$91,294,867
32,493
Peachtree City
1400 Commerce Drive • Peachtree City, GA 30269
LOBBY HOURS
Monday – Thursday 9:00 a.m. - 4:00 p.m.
Friday 9:00 a.m. - 5:00 p.m.
DRIVE-THRU HOURS
Monday – Thursday 8:30 a.m. - 5 p.m.
Friday 8:30 a.m. - 6 p.m.
LOBBY AND DRIVE-THRU HOURS
Saturday 9 a.m. - 12 p.m.
ATM + NIGHT DROP ON LOCATION
Atlanta
466 East Tower • 205 Jesse Hill Jr. Drive SE, #466
Atlanta, Georgia 30334
Categories will include:
• Best Dressed/Cutest Canine
• Bow Wow Look -A-Like
• Peoples Choice
Fayetteville
ATM + NIGHT DROP ON LOCATION
Trinidad Benham Corp.
Our Annual Meeting will be held on
Monday, April 23rd, 2012, at 6 PM in
the Peachtree City Financial Center
Branch located at 1400 Commerce Drive,
Peachtree City, Georgia. Credit Union
President, Ray Hull and the other Board
members will present the Credit Union’s
2011 financials and discuss other
business items relating to the previous
year. All members are invited to attend,
so please join us.
MEMBER (AND THEIR DOGS)
APPRECIATION DAY
COUPON
120297_SFCU_Spring_NL.indd 1
Welcome to
The Southern:
Malone Staffing
As we maintain our focus of
trying to extend our peoplehelping-people practices to
more individuals in the area,
we invite you to pass along
the message of credit union
membership to your family.
A P U B L I C AT I O N F O R M E M B E R S O F T H E S O U T H E R N F E D E R A L C R E D I T U N I O N
LOCATIONS AND BRANCH HOURS
2 1.1
2.2
1.1963
9
963
SHARE YOUR CREDIT
UNION MEMBERSHIP
WITH YOUR FAMILY
DIVIDEND NEWS
It’s the perfect time to take advantage of today’s low interest
rates! The Southern can save you money, whether you want to
purchase a new home or lower your payments by refinancing.
Financing & Getting Pre-Approved
Finding the right type of financing that meets your needs
and obtaining a pre-approval are key steps in the homebuying process. The Southern offers its members a full line
of mortgage products and services including a first time
buyer program with fixed and adjustable rates. According
to James Richards, Vice President of Mortgages, “Now’s
the time to purchase a home! Mortgage rates are at an all
time low, and values are down to levels last seen in 2001.”
As of March 31, 2012
LOBBY HOURS
Monday – Friday 8:00 a.m.- 4:30 p.m.
We’re here to help.
Balance
LaGrange
As your Credit Union, we’re here to provide you with the
benefits you deserve, along with friendly, personal service.
$0.00-$99.99
0.00%
$100.00-$2499.99
0.15%
$2,500.00-$9,999.99
0.15%
$10,000.00-$24,999.99
0.20%
$25,000.00-and greater
0.20%
Share Drafts
IRA Shares
0.15%
0.50%
117 Bull Street • LaGrange, GA 30240
LOBBY HOURS
Monday – Friday 8:30 a.m.-4:30 p.m.
ATM + NIGHT DROP ON LOCATION
Your mortgage options include:
• Up to 100% financing on a USDA loan
• Up to 100% financing on a VA loan
• Up to 97.5% on an FHA loan
• First and second mortgages and land loans
• 7/10/15/20/30 fixed-rate mortgages
• Very competitive rates
• Low closing costs
• Quick turnaround
• Friendly, professional service
For ongoing flexibility, consider a Home
Equity Line of Credit.
Consolidate your debt, increase your home’s value through
remodeling, or just rest easy knowing you’re always
prepared for unexpected costs. Borrow only what you
want, when you want. You’ll get great rates and only pay
interest on what you use.
Refinancing can save significant amounts
of money, easily.
Now is the perfect time to take advantage of today’s low
interest rates. At The Southern, we can help you save on
your mortgage, and pay it off faster. Simply refinancing to
a 15-year fixed-rate mortgage can make a big difference
over the life of your loan, without a big change in your
monthly payment.
Ready to see some numbers?
We’ll be happy to go over your options with you, so you
can see exactly how much you can save. Give us a call at
800.338.5882,or visit www.southernonline.org or stop by
your local branch today. We’re here for you!
3/23/12 4:49 PM