Southern - The Southern Credit Union

NEW OR USED
VEHICLE LOAN
As of February 28, 2010
Peachtree City Member
Appreciation Day
#
THE APR* OF
THE QUALIFIED
RATE OF
YOUR NEXT
The Peachtree City branch will
be hosting a “SPRING FLING”
member appreciation day on
Friday, May 21, 2010.
Assets
$256,025,568
Shares
$222,030,147
Loans
$83,993,999
Members
DIVIDEND NEWS
As of March 31, 2010
Balance
*Annual Percentage Rate. Coupon good through
June 30, 2010. 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.
We will be handing out free ice
cream, cookies and drinks from
11:00a.m. - 2:00p.m. In addition
to all of the great treats, we’ll also
have some classic cars and great
music on hand in the parking lot.
Don’t forget to register for our
drawings!
Save Money and Time
on Your Next
Auto Purchase
Stop by our Peachtree City branch
for a fun-filled day. It’s our way
of saying thank you for making us
your Credit Union.
Let The Southern Federal Credit
Union help you find the automobile
that fits your needs. The Southern
Auto Advantage by Courtesy Select
is designed to assist The Southern
Federal Credit Union members.
Fayetteville Member
Appreciation Day
The Fayetteville branch will be
hosting their Member Appreciation
Days on June 2 through the 4, 2010
from 11a.m. – 3p.m. Each day we
will have free food, cookies and
drinks as well as games, drawings,
prizes, a convertible car show and
our famous “Tiki Hut”.
The Southern Auto Advantage is
committed to providing you with:
discount pricing, convenience,and
trustworthy service
With the Southern Auto Advantage,
buying a new or pre-owned car or
truck doesn’t have to be a hassle.
Southern members can receive prenegotiated, best-market auto pricing
on new cars, trucks, motorcycles and
most other vehicles.
2010 Annual
Membership
Meeting
• Determine which type of vehicle
you want to purchase
• Contact Southern Auto Advantage
and discuss the vehicle and your
price range
Our Annual Meeting will be held on
Monday, April 20, 2009, at 6 PM at
the Peachtree City Financial Center
Branch located at 1400 Commerce
Drive, Peachtree City, Georgia.
• Southern Auto Advantage will find
the vehicle that you are looking for
• The vehicle is delivered to the
credit union branch closest to you
Credit Union President and CEO,
Ray Hull and the Board of Directors
will present the Credit Union’s 2009
financials and discuss other business
items relating to the previous year.
All members are invited to attend –
please join us.
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 the Southern
Auto Advantage service. You can
contact Darin Brewer directly
at 770.460.3255 or autos@
southernonline.org
LOCATIONS AND BRANCH HOURS
STATISTICALLY SPEAKING
COUPON
No nominations were received by
petition for the 2010 Annual Meeting.
Therefore, the Nominees: Ray Hull
and Rick Halbert, as offered by the
Nominating Committee, are to be
elected by acclamation. Each nominee
will serve a three-year term.
Fayetteville
29,402
Money
Regular Market
Shares Account
APY*
APY*
$0.00-$99.99
0.00%
0.00%
$100.00-$2,499.99
0.25%
0.25%
$2,500.00-$9,999.99
0.25%
.85%
$10,000.00-$24,999.99
0.40%
1.00%
$25,000.00-$49,999.99
0.45%
1.10%
$50,000.00-$99,999.99
0.45%
1.30%
$100,000.00
and Greater
0.45%
1.40%
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.
ATM and Night Drop on location
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 and Night Drop on location
A PU B L I CAT I O N FO R M EM B ER S O F T H E SO U T H ER N FED ER A L C R ED I T U N I O N
SouthernStyle
2010
New Year, New Vehicle
Jonesboro
Share Drafts
0.25%
IRA Shares
1.50%
*Annual Percentage Yield. Please contact the
Credit Union for further information on applicable
fees and terms.
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.
ATM and Night Drop on location
Newnan
STAY IN TOUCH:
TellerPhone 24-Hour Account Access
(770) 460-7899 • (800) 922-5882
Telephone Service Center (TSC)
(770) 719-1111
(800) 338-5882
Monday – Friday 8 a.m. – 6 p.m. EST
E-Mail Address
[email protected]
Web Site Address
www.southernonline.org
HOLIDAY
CLOSINGS:
MEMORIAL DAY
Saturday, May 29, 2010
Monday, May 31, 2010
INDEPENDENCE DAY
Saturday, July 3, 2010
Sunday, July 4, 2010
Welcome to the SOUTHERN:
LaGrange College- LaGrange GA 11/2/1976
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.
Lobby and Drive-Thru Hours
Saturday 9 a.m. – 12 p.m.
ATM and Night Drop on location
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 and Night Drop on location
SPRING 2010
In This Issue
The year is still new and for many it is
time to purchase a new vehicle. It is no
secret that The Southern is known for
offering competitive rates and is the best
deal around over traditional banks and
dealerships. See what The Southern has
to offer. It’s a new year and there are
new specials out there.
Even if you are not shopping for a new
car, The Southern still offers great
rates on used automobile loans.
Know what you want to spend.
Speaking to
Schools
–p.2
Go online and get pre-approved from
The Southern. It’s like shopping
with cash in your pocket. Once the
salesman knows that you have done
your legwork with financing, he knows
that you are serious and you can get
down to the matter at hand.
Be informed.
Financial
Fitness
–p.3
19 69
9 /2/
Member
Appreciation
–p.4
Most people have an idea what their
credit rating is and this is important
when securing a loan.
Once you have a figure in mind, you can
look for the lowest Annual Percentage
Rate (APR), and decide what terms you
would like to finance your automobile for.
Everyone is pretty savvy about shopping
for the best deals when it comes to
buying a car. With some research on
price, make and model you are already
ahead of the game.
RATES
AS
AS LOW
*
%
4.5
If this article got
to you too late and
you did not get the
best deal, there’s
still time!
Refinancing your existing
vehicle loan could lower your
rate and monthly payment putting more money
in your pocket!
*APR equals Annual Percentage Rate. All rates are
based on approved credit and are subject to change.
Rate offered is based upon applicant’s credit history.
Rate offered will not fall below established floor limits.
Credit conditions and qualifications apply.
Michael Dunlap, Fayetteville Branch Manager, spoke to two local high schools about the
importance of saving money and how to be fiscally responsible. Financial education is
very important when you are starting out, especially as a young adult. From car loans to
saving for college to retirement planning, everyone should have a financial plan.
Set savings goals.
Whether saving for short-term goals such as vacations,
or long-term goals, such as retirement, you’ll need to
do a lot more planning (figuring out how much money
you’ll need to live comfortably for 20 or 30 years
after you stop working). You will also need to figure
out how your investments will help you achieve your
goals.
Establish a time-frame.
For example: “I want to be able to buy a car two years
from today.” Set a particular date for accomplishing
shorter-term goals and make sure the goal is attainable
within that time period. If it’s not attainable, you’ll just
get discouraged.
Figure out how much you’ll have to save per week, per
month, or per paycheck to attain each of your savings
goals. Take each thing you want to save for and figure
out how much you need to start saving now.
Keep a record of your expenses.
Take a good hard look at your spending records
after a month or two have passed. You’ll probably
be surprised when you look back at your record of
expenses. You’ll likely see some obvious cuts you can
make.
Reassess your savings goals.
/ 19
44
The smishing “bait” message usually contains something
that wants your “immediate attention”, such as, “We’re
The mobile phone counterpart to
confirming you’ve signed up for this service or you will be
phishing. Instead of being directed
charged $2/day unless you cancel your order on this URL:
by e-mail to a Web site, a text
message is sent to the user’s cellphone www.?????.com.”
with some ploy to click on a link.
The “hook” will be a legitimate looking web site that asks
The link causes a Trojan to be installed in
you to confirm your personal financial information, such as
the phone.
your credit/debit card number, CVV code (on the back of
Smishing is a form of criminal activity using
social engineering techniques similar to phishing. The name
is derived from “SMS phISHING”. SMS (Short Message
Service) is the technology used for text messages on cell
phones.
Smishing uses cell phone text messages to deliver the “bait”
to get you to divulge your personal information. The “hook”
(the method used to actually “capture” your information)
in the text message may be a web site URL. However, it
has become more common to see a phone number that
connects to an automated voice response system.
your credit card), your ATM card PIN, SSN, email address,
and other personal information.
59
(SMS phISHING)
#
Remember, this stash of money is not an investment;
it is insurance you’re paying to yourself, a buffer
between you and life
4. Invest 15% of household income into Roth
IRAs and pre-tax retirement
When you reach this step, you’ll have no payments except the house -and a fully funded emergency fund.
Now it’s time to get serious about building wealth.
2. Pay off all debt using the debt snowball
List your debts, excluding the house, in order. The
smallest balance should be your number one priority.
You need some quick wins in order to stay pumped up
about getting out of debt! Paying off debt is not always
about math. It’s about motivation. Personal finance is
20% knowledge and 80% behavior. When you start
knocking off the easier debts, you will see results and
you will stay motivated to dump your debt.
3. 3 to 6 months of expenses in savings
If the “hook” is a phone number, it normally directs to a
legitimate sounding automated voice response system,
similar to the voice response systems used by many
financial institutions, which will ask for the same personal
information.
After completing the first two baby steps, using your
extra cash will quickly help build your full emergency
fund. Ask yourself, “What would it take for me to
live for three to six months if I lost my income?” Your
answer to that question is how much you should save.
In many cases, the smishing message will show that it came
from “5000” instead of displaying an actual phone number.
This usually indicates the SMS message was sent via email
to the cell phone, and not sent from another cell phone.
Use this money for emergencies only: incidents that
would have a major impact on you and your family.
Keep these savings in a money market account.
Consider the benefits of
paying bills online.
Believe it not, paying bills online
actually may protect you from
identity theft. The most common
theft of personal information is
not from the Internet—it’s from
statements left in a mailbox or
documents containing personal
information pilfered from the
garbage. Electronic bill pay
sites use encryption technology
to scramble your data during
transmission.
Paying bills online is convenient,
fast, safe and allows greater
control over your account. Give
it a try. And best of all, Bill Pay
is free when you sign up for
electronic statements—eStatements. For more information on
the Credit Union’s electronic bill
payment service, give us a call
at (770) 719-1111 or 1-800338-5882.
5. College funding for children
Pay yourself first.
Still writing checks?
More than three-quarters of us
still write checks the old-fashioned way. Why? Is it because
we don’t like change, we don’t
like the thought of setting up all
the accounts, or we’re worried
about sending payment data
over the Internet?
Experts suggest investing 15% of your household
income into Roth IRAs and pre-tax retirement plans.
Experts don’t recommend more than that because the
extra money will help you complete the next two steps:
college savings and paying off your home early.
Make a budget.
SMISHING
10
Emergencies come up in various forms throughout the
year and without a cushion many of us have turned
to our fail safe plan, credit cards. By creating and
implementing a detailed budget it will be easier than
you think to save $1,000.
Once you’ve managed to balance your earnings with
your savings goals and spending, write down a budget
so you’ll know each month or each paycheck how
much you can spend.
BEWARE OF
5/
1. Save for your $1,000 emergency fund
Subtract your expenses (the ones you can’t live
without) from your take-home income (i.e. after taxes
have been taken out). Does it match up with your
savings goals? Take a look at what you’re saving for
and cut the less important things or adjust the timeframe.
Savings should be your priority. Deposit savings
into an account (or your piggy bank) as soon as you
get paid. An easy, effective way to start saving is
to simply deposit 10% of every check in a savings
account.
Fitness
How do your personal finances look?
Bring your financial well being to the forefront.
Below are 6 ways to help you plan for your financial future.
9
/1
11
5/
What you save falls between two activities and their
difference: how much you make and how much you
spend. Since you have more control over how much
you spend, it’s wise to take a critical look at your
expenses.
Trim your expenses.
Your Financial
By this point, you should have already started Baby
Step 4 - investing 15% of your income - before saving
for college. Whether you are saving for you or your
child to go to college, you need to start now. In order
to have enough money saved for college, you need
to have a goal. Determine how much per month you
should be saving at 12% interest in order to have
enough for college. If you save at 12% and inflation is
at 4%, then you are moving ahead of inflation at a net
of 8% per year!
NEW
GAME
!
The best way to save for college is with Education
Savings Accounts (ESAs) and 529 plans.
6. Pay off your house early
Now it’s time to begin throwing all of your extra
money toward the mortgage. Could you imagine going
through life without a house payment? Did you know
that making only one extra house payment a year cuts
years off your mortgage? As you attack this last debt,
you will gain momentum much like you did back in
the second step of the debt snowball.
Source: Credit Unions Online
#
The Southern Talks to Local Schools about
Financial Responsibility
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
NEW
E!
GAWINM$50!
AND
Michael Dunlap, Fayetteville Branch Manager, spoke to two local high schools about the
importance of saving money and how to be fiscally responsible. Financial education is
very important when you are starting out, especially as a young adult. From car loans to
saving for college to retirement planning, everyone should have a financial plan.
Set savings goals.
Whether saving for short-term goals such as vacations,
or long-term goals, such as retirement, you’ll need to
do a lot more planning (figuring out how much money
you’ll need to live comfortably for 20 or 30 years
after you stop working). You will also need to figure
out how your investments will help you achieve your
goals.
Establish a time-frame.
For example: “I want to be able to buy a car two years
from today.” Set a particular date for accomplishing
shorter-term goals and make sure the goal is attainable
within that time period. If it’s not attainable, you’ll just
get discouraged.
Figure out how much you’ll have to save per week, per
month, or per paycheck to attain each of your savings
goals. Take each thing you want to save for and figure
out how much you need to start saving now.
Keep a record of your expenses.
Take a good hard look at your spending records
after a month or two have passed. You’ll probably
be surprised when you look back at your record of
expenses. You’ll likely see some obvious cuts you can
make.
Reassess your savings goals.
/ 19
44
The smishing “bait” message usually contains something
that wants your “immediate attention”, such as, “We’re
The mobile phone counterpart to
confirming you’ve signed up for this service or you will be
phishing. Instead of being directed
charged $2/day unless you cancel your order on this URL:
by e-mail to a Web site, a text
message is sent to the user’s cellphone www.?????.com.”
with some ploy to click on a link.
The “hook” will be a legitimate looking web site that asks
The link causes a Trojan to be installed in
you to confirm your personal financial information, such as
the phone.
your credit/debit card number, CVV code (on the back of
Smishing is a form of criminal activity using
social engineering techniques similar to phishing. The name
is derived from “SMS phISHING”. SMS (Short Message
Service) is the technology used for text messages on cell
phones.
Smishing uses cell phone text messages to deliver the “bait”
to get you to divulge your personal information. The “hook”
(the method used to actually “capture” your information)
in the text message may be a web site URL. However, it
has become more common to see a phone number that
connects to an automated voice response system.
your credit card), your ATM card PIN, SSN, email address,
and other personal information.
59
(SMS phISHING)
#
Remember, this stash of money is not an investment;
it is insurance you’re paying to yourself, a buffer
between you and life
4. Invest 15% of household income into Roth
IRAs and pre-tax retirement
When you reach this step, you’ll have no payments except the house -and a fully funded emergency fund.
Now it’s time to get serious about building wealth.
2. Pay off all debt using the debt snowball
List your debts, excluding the house, in order. The
smallest balance should be your number one priority.
You need some quick wins in order to stay pumped up
about getting out of debt! Paying off debt is not always
about math. It’s about motivation. Personal finance is
20% knowledge and 80% behavior. When you start
knocking off the easier debts, you will see results and
you will stay motivated to dump your debt.
3. 3 to 6 months of expenses in savings
If the “hook” is a phone number, it normally directs to a
legitimate sounding automated voice response system,
similar to the voice response systems used by many
financial institutions, which will ask for the same personal
information.
After completing the first two baby steps, using your
extra cash will quickly help build your full emergency
fund. Ask yourself, “What would it take for me to
live for three to six months if I lost my income?” Your
answer to that question is how much you should save.
In many cases, the smishing message will show that it came
from “5000” instead of displaying an actual phone number.
This usually indicates the SMS message was sent via email
to the cell phone, and not sent from another cell phone.
Use this money for emergencies only: incidents that
would have a major impact on you and your family.
Keep these savings in a money market account.
Consider the benefits of
paying bills online.
Believe it not, paying bills online
actually may protect you from
identity theft. The most common
theft of personal information is
not from the Internet—it’s from
statements left in a mailbox or
documents containing personal
information pilfered from the
garbage. Electronic bill pay
sites use encryption technology
to scramble your data during
transmission.
Paying bills online is convenient,
fast, safe and allows greater
control over your account. Give
it a try. And best of all, Bill Pay
is free when you sign up for
electronic statements—eStatements. For more information on
the Credit Union’s electronic bill
payment service, give us a call
at (770) 719-1111 or 1-800338-5882.
5. College funding for children
Pay yourself first.
Still writing checks?
More than three-quarters of us
still write checks the old-fashioned way. Why? Is it because
we don’t like change, we don’t
like the thought of setting up all
the accounts, or we’re worried
about sending payment data
over the Internet?
Experts suggest investing 15% of your household
income into Roth IRAs and pre-tax retirement plans.
Experts don’t recommend more than that because the
extra money will help you complete the next two steps:
college savings and paying off your home early.
Make a budget.
SMISHING
10
Emergencies come up in various forms throughout the
year and without a cushion many of us have turned
to our fail safe plan, credit cards. By creating and
implementing a detailed budget it will be easier than
you think to save $1,000.
Once you’ve managed to balance your earnings with
your savings goals and spending, write down a budget
so you’ll know each month or each paycheck how
much you can spend.
BEWARE OF
5/
1. Save for your $1,000 emergency fund
Subtract your expenses (the ones you can’t live
without) from your take-home income (i.e. after taxes
have been taken out). Does it match up with your
savings goals? Take a look at what you’re saving for
and cut the less important things or adjust the timeframe.
Savings should be your priority. Deposit savings
into an account (or your piggy bank) as soon as you
get paid. An easy, effective way to start saving is
to simply deposit 10% of every check in a savings
account.
Fitness
How do your personal finances look?
Bring your financial well being to the forefront.
Below are 6 ways to help you plan for your financial future.
9
/1
11
5/
What you save falls between two activities and their
difference: how much you make and how much you
spend. Since you have more control over how much
you spend, it’s wise to take a critical look at your
expenses.
Trim your expenses.
Your Financial
By this point, you should have already started Baby
Step 4 - investing 15% of your income - before saving
for college. Whether you are saving for you or your
child to go to college, you need to start now. In order
to have enough money saved for college, you need
to have a goal. Determine how much per month you
should be saving at 12% interest in order to have
enough for college. If you save at 12% and inflation is
at 4%, then you are moving ahead of inflation at a net
of 8% per year!
NEW
GAME
!
The best way to save for college is with Education
Savings Accounts (ESAs) and 529 plans.
6. Pay off your house early
Now it’s time to begin throwing all of your extra
money toward the mortgage. Could you imagine going
through life without a house payment? Did you know
that making only one extra house payment a year cuts
years off your mortgage? As you attack this last debt,
you will gain momentum much like you did back in
the second step of the debt snowball.
Source: Credit Unions Online
#
The Southern Talks to Local Schools about
Financial Responsibility
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
NEW
E!
GAWINM$50!
AND
NEW OR USED
VEHICLE LOAN
As of February 28, 2010
Peachtree City Member
Appreciation Day
#
THE APR* OF
THE QUALIFIED
RATE OF
YOUR NEXT
The Peachtree City branch will
be hosting a “SPRING FLING”
member appreciation day on
Friday, May 21, 2010.
Assets
$256,025,568
Shares
$222,030,147
Loans
$83,993,999
Members
DIVIDEND NEWS
As of March 31, 2010
Balance
*Annual Percentage Rate. Coupon good through
June 30, 2010. 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.
We will be handing out free ice
cream, cookies and drinks from
11:00a.m. - 2:00p.m. In addition
to all of the great treats, we’ll also
have some classic cars and great
music on hand in the parking lot.
Don’t forget to register for our
drawings!
Save Money and Time
on Your Next
Auto Purchase
Stop by our Peachtree City branch
for a fun-filled day. It’s our way
of saying thank you for making us
your Credit Union.
Let The Southern Federal Credit
Union help you find the automobile
that fits your needs. The Southern
Auto Advantage by Courtesy Select
is designed to assist The Southern
Federal Credit Union members.
Fayetteville Member
Appreciation Day
The Fayetteville branch will be
hosting their Member Appreciation
Days on June 2 through the 4, 2010
from 11a.m. – 3p.m. Each day we
will have free food, cookies and
drinks as well as games, drawings,
prizes, a convertible car show and
our famous “Tiki Hut”.
The Southern Auto Advantage is
committed to providing you with:
discount pricing, convenience,and
trustworthy service
With the Southern Auto Advantage,
buying a new or pre-owned car or
truck doesn’t have to be a hassle.
Southern members can receive prenegotiated, best-market auto pricing
on new cars, trucks, motorcycles and
most other vehicles.
2010 Annual
Membership
Meeting
• Determine which type of vehicle
you want to purchase
• Contact Southern Auto Advantage
and discuss the vehicle and your
price range
Our Annual Meeting will be held on
Monday, April 20, 2009, at 6 PM at
the Peachtree City Financial Center
Branch located at 1400 Commerce
Drive, Peachtree City, Georgia.
• Southern Auto Advantage will find
the vehicle that you are looking for
• The vehicle is delivered to the
credit union branch closest to you
Credit Union President and CEO,
Ray Hull and the Board of Directors
will present the Credit Union’s 2009
financials and discuss other business
items relating to the previous year.
All members are invited to attend –
please join us.
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 the Southern
Auto Advantage service. You can
contact Darin Brewer directly
at 770.460.3255 or autos@
southernonline.org
LOCATIONS AND BRANCH HOURS
STATISTICALLY SPEAKING
COUPON
No nominations were received by
petition for the 2010 Annual Meeting.
Therefore, the Nominees: Ray Hull
and Rick Halbert, as offered by the
Nominating Committee, are to be
elected by acclamation. Each nominee
will serve a three-year term.
Fayetteville
29,402
Money
Regular Market
Shares Account
APY*
APY*
$0.00-$99.99
0.00%
0.00%
$100.00-$2,499.99
0.25%
0.25%
$2,500.00-$9,999.99
0.25%
.85%
$10,000.00-$24,999.99
0.40%
1.00%
$25,000.00-$49,999.99
0.45%
1.10%
$50,000.00-$99,999.99
0.45%
1.30%
$100,000.00
and Greater
0.45%
1.40%
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.
ATM and Night Drop on location
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 and Night Drop on location
A PU B L I CAT I O N FO R M EM B ER S O F T H E SO U T H ER N FED ER A L C R ED I T U N I O N
SouthernStyle
2010
New Year, New Vehicle
Jonesboro
Share Drafts
0.25%
IRA Shares
1.50%
*Annual Percentage Yield. Please contact the
Credit Union for further information on applicable
fees and terms.
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.
ATM and Night Drop on location
Newnan
STAY IN TOUCH:
TellerPhone 24-Hour Account Access
(770) 460-7899 • (800) 922-5882
Telephone Service Center (TSC)
(770) 719-1111
(800) 338-5882
Monday – Friday 8 a.m. – 6 p.m. EST
E-Mail Address
[email protected]
Web Site Address
www.southernonline.org
HOLIDAY
CLOSINGS:
MEMORIAL DAY
Saturday, May 29, 2010
Monday, May 31, 2010
INDEPENDENCE DAY
Saturday, July 3, 2010
Sunday, July 4, 2010
Welcome to the SOUTHERN:
LaGrange College- LaGrange GA 11/2/1976
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.
Lobby and Drive-Thru Hours
Saturday 9 a.m. – 12 p.m.
ATM and Night Drop on location
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 and Night Drop on location
SPRING 2010
In This Issue
The year is still new and for many it is
time to purchase a new vehicle. It is no
secret that The Southern is known for
offering competitive rates and is the best
deal around over traditional banks and
dealerships. See what The Southern has
to offer. It’s a new year and there are
new specials out there.
Even if you are not shopping for a new
car, The Southern still offers great
rates on used automobile loans.
Know what you want to spend.
Speaking to
Schools
–p.2
Go online and get pre-approved from
The Southern. It’s like shopping
with cash in your pocket. Once the
salesman knows that you have done
your legwork with financing, he knows
that you are serious and you can get
down to the matter at hand.
Be informed.
Financial
Fitness
–p.3
19 69
9 /2/
Member
Appreciation
–p.4
Most people have an idea what their
credit rating is and this is important
when securing a loan.
Once you have a figure in mind, you can
look for the lowest Annual Percentage
Rate (APR), and decide what terms you
would like to finance your automobile for.
Everyone is pretty savvy about shopping
for the best deals when it comes to
buying a car. With some research on
price, make and model you are already
ahead of the game.
RATES
AS
AS LOW
*
%
4.5
If this article got
to you too late and
you did not get the
best deal, there’s
still time!
Refinancing your existing
vehicle loan could lower your
rate and monthly payment putting more money
in your pocket!
*APR equals Annual Percentage Rate. All rates are
based on approved credit and are subject to change.
Rate offered is based upon applicant’s credit history.
Rate offered will not fall below established floor limits.
Credit conditions and qualifications apply.