STATISTICALLY SPEAKINGAs of May 31, 2010

Assets $260,561,837

Shares $225,426,082

Loans $84,606,883

Members 29,400

DIVIDEND NEWSAs of June 30, 2010

Balance

$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% 0.85%

$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% 1.20%

$100,000.00and Greater

0.3 5% 1.30%

Share Drafts 0.25%

IRA Shares 1.50%

*Annual Percentage Yield. Please contact the Credit Union for further information on applicable fees and terms.

LOCATIONS AND BRANCH HOURS

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 Addresstsfcu@southernonline.org

Web Site Address www.southernonline.org

LABOR DAYSaturday, September 4th, 2010Monday, September 6th, 2010

COLUMBUS DAYSaturday October 9th, 2010Monday October 11th, 2010

HOLIDAY CLOSINGS:

Fayetteville 430 East Lanier Ave. • Fayetteville, GA 30214Lobby 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

Jonesboro 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 232 Bullsboro Drive • Newnan, GA 30263 Lobby HoursMonday – 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

RegularShares APY*

Money Market

Account APY*

Welcome to the SoUtheRN:Falcon Aviation Academy - Newnan and

Peachtree City, GA

Kia Atlanta South – Morrow, GA

Coweta County Health Department – Newnan, GA

Global Aviation Holding & North American Airlines – Peachtree City, GA

#

SUMMER 2010

A PUBLICATION FOR MEMBERS OF THE SOUTHERN FEDERAL CREDIT UNION

StyleSouthernNEW OR USED VEHICLE LOAN

*Annual Percentage Rate. Coupon good through September 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.

coUPoN

#

Bill Pay Saves time and Worry

Have you ever found a bill that you thought you paid earlier in the month? Now it’s late. The Southern Federal Credit Union’s electronic bill payment service can eliminate this worry.

Direct payment is the electronic transfer of an authorized payment from a member’s checking or savings account into the account of a biller, financing or investment company. It’s ideal for recurring payments such as household bill payments, insurance premiums, automatic investments and savings plans, mortgage payments, auto loan payments and charitable donations.

You can schedule payments in advance so bills get paid even when you’re away on vacation or away on business.

Electronic bill payment studies show that consumers using automated bill payment generally become more responsible with funds and usually have higher account balances.

THE APR* OF THE QUALIFIED RATE OF YOUR NEXT

IN THIS ISSUE

Overdraft Security Privilege– pg.2 Zero % Financing– pg.3 Relay for Life– pg.4

For the ninth year, The Southern Federal Credit Union participated in the American Cancer Society’s Relay for Life in Fayette County.

This year’s team raised over $13,000 by holding bake sales, wrapping Christmas gifts, holding our 2nd annual

Chili Cook-off, preparing lunch for employees, selling stickers for employees to wear jeans on Fridays, and selling cancer awareness

items. Team co-captains were Mahli Lowder and Karen Kane along with team members Lori Barbe, Michael Fowler, Tiffany Graham, Paula Hasberger, Mandy Jones, Barbara Langston, Lori Lowder, Sam Lowder, Crystal Moore, Cynthia Pope, John Purdy, Christie Rentz, Adrienne Rigney, Carolyn Roberts and Kristine Whitener.

Highlights for The Southern team included:

• Congratulations go out to Karen Kane, Carolyn Roberts, Barbara Langston, Lori Lowder and Mahli Lowder who each raised over $1,000.

• Brandon “Baby-licious” Holiday, who finished 2nd runner-up in the “Miss” Relay 2010. John Purdy placed second in the Box Car Derby.

• The Southern received the Spirit Award for Local Businesses for the second year in a row. This recognition is awarded to the team for participation at Relay and for fundraising and participation throughout the fundraising year.

• The Southern team took home the bronze medal for overall participation and placing in the first annual Relay Olympics.

Thank you to all the members who helped support The Southern Relay For Life team. This was another record breaking year for us and we could not have done it without your generous support.

The Southern supported its Relay Team by paying the participation fees, and through buying items for the team to decorate and sell. The Southern also purchased torches to remember our own Cerena Simmons, who we lost this past year to cancer, and to celebrate our employee survivors.

SAVe up to $650 on closing costshome equity line with a rate as low as 5.00% APR*Looking for some cash to help you landscape the yard this spring, remodel the kitchen or finish your basement, take that long overdue vacation, or even buy that new flat screen TV? You can juggle all these financial needs with our home equity loan. With great rates…as low as 5.00%, and super fast approvals…now’s the time to act!

– continued on next page

Home Loansfrom Start...to Finish!

2/2

6/1

95

0

3/24/1970

How it Works: There arefour dates hidden in this issue. If you find your birth date, exactly as it appears on your account, call the Telephone Service Center at 1-800-338-5882 AND WIN $50!

Zer0%

In the market for a new or used car?The Southern is offering a great rate… as low as 4.50 APR* on new or used autos. Know before you go… get pre-approved or apply for a loan TODAY! For convenience, apply online at www.southernonline.com

or call our helpful loan representatives at 800.338.3275.

do you have a hIgher rate vehIcle loan at another fInancIal InstItutIon?Refinancing with us, at a rate as low as 4.50% APR, may provide you a great savings. Act now!

*Loan example: for financing at 4.50% APR,60 monthly payments of $18.85 per $1,000. Rates and terms subject to credit approval and subject to change without notice.

Home Loansfrom Start...to Finish! Is the siren song of zero percent financing luring you back into vehicle

showrooms? Before you automatically assume zero percent financing is a better deal than a car loan from the credit union, consider these three things:

1. You may not be eligible.It’s a tried, but true, saying: What the big print promises, the small print taketh away. The footnote advising that “Not all buyers will qualify” and “Subject to credit approval” means that the zero or extreme low financing rate is reserved for people with a good credit score. What does that mean to you? According to myfico.com, there is no single “score cutoff” used by all lenders so it’s hard to say what a “good” credit score means outside the context of the lending situation and that “one auto lender may offer lower interest rates to people with FICO scores above 680 while another auto lender may use 720.”

2. You may pay more for the vehicle.If you arrive in the showroom and announce that you want the zero percent financing, you may get it - but you may also put yourself in a poorer negotiating

position for the total vehicle cost. Conversely, if you are pre-approved for a loan at the credit union, keep that close to the vest as well. How you plan to pay for the car should be the last thing you disclose, not the first.

3. Your choices may be limited. The super sales on financing are often limited to a specific group of vehicles, typically the slow sellers. A vehicle is a big purchase; make sure that you get your money’s worth.

Bottom line: Car dealers want to sell cars and they don’t want to leave any money on the table. Even if the zero percent financing seems right for you, stop by your credit union to make sure you are getting the deal that’s right for you.

*APR equals Annual Percentage Rate. Rate offered is based upon applicant’s credit history. Rate offered will not fall below established floor limits. Credit conditions and qualifications apply.

Overdraft Security Privilege* is a service linked to your checking account, and it provides added security against having checks and other items returned to merchants for insufficient funds. The Southern will charge a set fee for every item paid under the provisions of the Overdraft Security Privilege - but you can avoid the additional steps and fees normally required by the merchant. Overdraft Security Privilege is not a line of credit. It is a service that gives you a reserve for emergencies or unexpected situations. It can limit the costs and hassles associated with overdrawing your account. Soon, we will no longer be able to provide this coverage automatically for ATM withdrawals and Debit Card transactions – so you need to tell us if you want to keep it.

There are no program fees associated with Overdraft Security Privilege. Fees are charged only as the service is used to honor items on an overdrawn account.

• The Southern will charge a standard Non-Sufficient Funds (NSF) fee for each item honored

• If multiple items are presented on the same day, each check will be assessed a corresponding NSF fee

After August 15, 2010 we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM transactions• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

If you want The Southern Federal Credit Union to authorize and pay overdrafts on your ATM and everyday debit card transactions after August 15, 2010, please call the Telephone Service Center at 800-338-5882 or visit www.southernonline.org and select the “OSP Opt-In” tab on our homepage.

We’ve Got You Covered with Overdraft Security PrivilegePrOvIDINg ADDED SECurITy AgAINST OvErDrAFTS

*Overdraft Security Privilege is a discretionary courtesy provided by The Southern Federal Credit Union. The Credit Union may withdraw this privilege at any time without notice to the member. The Credit Union is not obligated to pay any check/item presented for payment if an account does not contain sufficient available funds. Any discretionary payment by the Credit Union of an overdraft item does not obligate the Credit Union to pay any other overdraft or to provide prior notice of its decision to refuse to pay such item.

The Credit Union makes recreational vehicle loans of all sorts. We’ll finance up to 90% of the list price for a boat or camper, depending on the price, for terms of up to 120 months. Our loans have no pre-payment penalties and you can set your payments up on automatic deduction or payroll deduction.

the Best Way to Shop!Before you go shopping, get your loan pre-approved. Negotiating the price with the dealer is so much easier once you’re pre-approved because your shopping is not contingent upon obtaining financing — you’re shopping with cash!

Why the Southern?• Rates as low as 6.00%• Flexible terms and competitive rates• Same rates for both new and used recreational vehicles• Pre-approval available use as leverage to negotiate price• Funds that may be available same day in most cases• No origination fee or pre-payment penalty• The Southern can also save you money when you refinance your current loan from another financial institution

how to apply:• Stop in and fill out or pick up an application• Call (770) 719-1111 to speak with a Loan Officer• Go to our website at www.southernonline.org and download an application

* For a loan at 6.00% annual Percentage rate (aPr), 48 month Payments oF $23.50 Per $1,000 borrowed. aPr is based on aPPlicant’s credit history. we can make it as easy as buying

get your dream toy... get our dream rate!RATES AS LOW AS 6.00% APR*

vIshIng-The latest attempt to retrieve

your personal information

Vishing can be simply defined as the criminal act of misusing voice over IP (VoIP) and social engineering in order to access private financial and other personal information from public, with the objective of some financial reward.

It’s very hard to trace vishing, so you as a consumer should always stay conscious and suspicious if you receive a phone message or email asking you to provide credit card numbers, bank accounts, etc. If you receive such a message, DO NOT provide any information or respond to the message. Contact your bank or credit card company to verify that the message was sent from them - chances are it was not!

Some common vishing methods:

ONLINE vERSION Scammers send a false e-mail which appears to be sent from your bank or credit card company. These e-mails mention that there is some security problem and ask that you call a phone number. When you do, you are asked to enter your account number, credit card number, or other information, allowing the scammer access to your accounts.

COLD CALL Some scammers use a technique of cold calling that shows a genuine local number on your caller ID to earn your trust. Then a pre-recorded message tells you that your account needs to be verified because of some security reason, and you are requested to enter your bank account number, passwords etc. FAKE CALLER ID NUMBERS Scammers are able to obtain fake caller ID numbers that appear to be from an actual financial institution or company, making you believe the call is legitimate. These false numbers can be purchased over the internet for just a few dollars.

To stay safe, ALWAYS CALL YOUR FINANCIAL INSTITUTION OR CREDIT CARD COMPANY to verify their request for your information.

SAVe up to $650 on closing costs2nd mortgage RefinancesRefinancing your mortgage can mean BIG savings! Let us figure out how much you can SAVE with our already low competitive rates. We’ll also pay up to $650 on your closing costs. Restructuring your current mortgage from a variable rate to fixed, combining a first and a second, lowering the rate or extending the term can reduce stress or lower your payments.

own Your First home With As little As 5% Down There are a lot of great homes available and rates are at all-time lows. We’ll take you through the home buying process step-by-step so you can have a home of your own. We’ll pre-qualify you so that you’ll know what price range you should be shopping for.

contact us today!Call or visit any of our convenient branches for more information or to make an appointment with one of our

representatives for a home equity loan. For convenience, apply online at www.southernonline.org or call our residential loan department at 800.338.5882 if you are interested in a first mortgage, second mortgage, first-time homebuyer, or mortgage refinance.

Visit any of our branch offices to pick up a loan application and discuss your mortgage questions with one of our mortgage professionals. To set an appointment, call (770) 719-1111 or 1-800-338-5882, or send an email to mortgages@southernonline.org.

FROM PG. 1

NEWGAME!

NEWGAME!

11/1

4/19

80

8-8-1965

How it Works: There arefour dates hidden in this issue. If you find your birth date, exactly as it appears on your account, call the Telephone Service Center at 1-800-338-5882 AND WIN $50!

Zer0%

In the market for a new or used car?The Southern is offering a great rate… as low as 4.50 APR* on new or used autos. Know before you go… get pre-approved or apply for a loan TODAY! For convenience, apply online at www.southernonline.com

or call our helpful loan representatives at 800.338.3275.

do you have a hIgher rate vehIcle loan at another fInancIal InstItutIon?Refinancing with us, at a rate as low as 4.50% APR, may provide you a great savings. Act now!

*Loan example: for financing at 4.50% APR,60 monthly payments of $18.85 per $1,000. Rates and terms subject to credit approval and subject to change without notice.

Home Loansfrom Start...to Finish! Is the siren song of zero percent financing luring you back into vehicle

showrooms? Before you automatically assume zero percent financing is a better deal than a car loan from the credit union, consider these three things:

1. You may not be eligible.It’s a tried, but true, saying: What the big print promises, the small print taketh away. The footnote advising that “Not all buyers will qualify” and “Subject to credit approval” means that the zero or extreme low financing rate is reserved for people with a good credit score. What does that mean to you? According to myfico.com, there is no single “score cutoff” used by all lenders so it’s hard to say what a “good” credit score means outside the context of the lending situation and that “one auto lender may offer lower interest rates to people with FICO scores above 680 while another auto lender may use 720.”

2. You may pay more for the vehicle.If you arrive in the showroom and announce that you want the zero percent financing, you may get it - but you may also put yourself in a poorer negotiating

position for the total vehicle cost. Conversely, if you are pre-approved for a loan at the credit union, keep that close to the vest as well. How you plan to pay for the car should be the last thing you disclose, not the first.

3. Your choices may be limited. The super sales on financing are often limited to a specific group of vehicles, typically the slow sellers. A vehicle is a big purchase; make sure that you get your money’s worth.

Bottom line: Car dealers want to sell cars and they don’t want to leave any money on the table. Even if the zero percent financing seems right for you, stop by your credit union to make sure you are getting the deal that’s right for you.

*APR equals Annual Percentage Rate. Rate offered is based upon applicant’s credit history. Rate offered will not fall below established floor limits. Credit conditions and qualifications apply.

Overdraft Security Privilege* is a service linked to your checking account, and it provides added security against having checks and other items returned to merchants for insufficient funds. The Southern will charge a set fee for every item paid under the provisions of the Overdraft Security Privilege - but you can avoid the additional steps and fees normally required by the merchant. Overdraft Security Privilege is not a line of credit. It is a service that gives you a reserve for emergencies or unexpected situations. It can limit the costs and hassles associated with overdrawing your account. Soon, we will no longer be able to provide this coverage automatically for ATM withdrawals and Debit Card transactions – so you need to tell us if you want to keep it.

There are no program fees associated with Overdraft Security Privilege. Fees are charged only as the service is used to honor items on an overdrawn account.

• The Southern will charge a standard Non-Sufficient Funds (NSF) fee for each item honored

• If multiple items are presented on the same day, each check will be assessed a corresponding NSF fee

After August 15, 2010 we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM transactions• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

If you want The Southern Federal Credit Union to authorize and pay overdrafts on your ATM and everyday debit card transactions after August 15, 2010, please call the Telephone Service Center at 800-338-5882 or visit www.southernonline.org and select the “OSP Opt-In” tab on our homepage.

We’ve Got You Covered with Overdraft Security PrivilegePrOvIDINg ADDED SECurITy AgAINST OvErDrAFTS

*Overdraft Security Privilege is a discretionary courtesy provided by The Southern Federal Credit Union. The Credit Union may withdraw this privilege at any time without notice to the member. The Credit Union is not obligated to pay any check/item presented for payment if an account does not contain sufficient available funds. Any discretionary payment by the Credit Union of an overdraft item does not obligate the Credit Union to pay any other overdraft or to provide prior notice of its decision to refuse to pay such item.

The Credit Union makes recreational vehicle loans of all sorts. We’ll finance up to 90% of the list price for a boat or camper, depending on the price, for terms of up to 120 months. Our loans have no pre-payment penalties and you can set your payments up on automatic deduction or payroll deduction.

the Best Way to Shop!Before you go shopping, get your loan pre-approved. Negotiating the price with the dealer is so much easier once you’re pre-approved because your shopping is not contingent upon obtaining financing — you’re shopping with cash!

Why the Southern?• Rates as low as 6.00%• Flexible terms and competitive rates• Same rates for both new and used recreational vehicles• Pre-approval available use as leverage to negotiate price• Funds that may be available same day in most cases• No origination fee or pre-payment penalty• The Southern can also save you money when you refinance your current loan from another financial institution

how to apply:• Stop in and fill out or pick up an application• Call (770) 719-1111 to speak with a Loan Officer• Go to our website at www.southernonline.org and download an application

* For a loan at 6.00% annual Percentage rate (aPr), 48 month Payments oF $23.50 Per $1,000 borrowed. aPr is based on aPPlicant’s credit history. we can make it as easy as buying

get your dream toy... get our dream rate!RATES AS LOW AS 6.00% APR*

vIshIng-The latest attempt to retrieve

your personal information

Vishing can be simply defined as the criminal act of misusing voice over IP (VoIP) and social engineering in order to access private financial and other personal information from public, with the objective of some financial reward.

It’s very hard to trace vishing, so you as a consumer should always stay conscious and suspicious if you receive a phone message or email asking you to provide credit card numbers, bank accounts, etc. If you receive such a message, DO NOT provide any information or respond to the message. Contact your bank or credit card company to verify that the message was sent from them - chances are it was not!

Some common vishing methods:

ONLINE vERSION Scammers send a false e-mail which appears to be sent from your bank or credit card company. These e-mails mention that there is some security problem and ask that you call a phone number. When you do, you are asked to enter your account number, credit card number, or other information, allowing the scammer access to your accounts.

COLD CALL Some scammers use a technique of cold calling that shows a genuine local number on your caller ID to earn your trust. Then a pre-recorded message tells you that your account needs to be verified because of some security reason, and you are requested to enter your bank account number, passwords etc. FAKE CALLER ID NUMBERS Scammers are able to obtain fake caller ID numbers that appear to be from an actual financial institution or company, making you believe the call is legitimate. These false numbers can be purchased over the internet for just a few dollars.

To stay safe, ALWAYS CALL YOUR FINANCIAL INSTITUTION OR CREDIT CARD COMPANY to verify their request for your information.

SAVe up to $650 on closing costs2nd mortgage RefinancesRefinancing your mortgage can mean BIG savings! Let us figure out how much you can SAVE with our already low competitive rates. We’ll also pay up to $650 on your closing costs. Restructuring your current mortgage from a variable rate to fixed, combining a first and a second, lowering the rate or extending the term can reduce stress or lower your payments.

own Your First home With As little As 5% Down There are a lot of great homes available and rates are at all-time lows. We’ll take you through the home buying process step-by-step so you can have a home of your own. We’ll pre-qualify you so that you’ll know what price range you should be shopping for.

contact us today!Call or visit any of our convenient branches for more information or to make an appointment with one of our

representatives for a home equity loan. For convenience, apply online at www.southernonline.org or call our residential loan department at 800.338.5882 if you are interested in a first mortgage, second mortgage, first-time homebuyer, or mortgage refinance.

Visit any of our branch offices to pick up a loan application and discuss your mortgage questions with one of our mortgage professionals. To set an appointment, call (770) 719-1111 or 1-800-338-5882, or send an email to mortgages@southernonline.org.

FROM PG. 1

NEWGAME!

NEWGAME!

11/1

4/19

80

8-8-1965

STATISTICALLY SPEAKINGAs of May 31, 2010

Assets $260,561,837

Shares $225,426,082

Loans $84,606,883

Members 29,400

DIVIDEND NEWSAs of June 30, 2010

Balance

$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% 0.85%

$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% 1.20%

$100,000.00and Greater

0.3 5% 1.30%

Share Drafts 0.25%

IRA Shares 1.50%

*Annual Percentage Yield. Please contact the Credit Union for further information on applicable fees and terms.

LOCATIONS AND BRANCH HOURS

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 Addresstsfcu@southernonline.org

Web Site Address www.southernonline.org

LABOR DAYSaturday, September 4th, 2010Monday, September 6th, 2010

COLUMBUS DAYSaturday October 9th, 2010Monday October 11th, 2010

HOLIDAY CLOSINGS:

Fayetteville 430 East Lanier Ave. • Fayetteville, GA 30214Lobby 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

Jonesboro 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 232 Bullsboro Drive • Newnan, GA 30263 Lobby HoursMonday – 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

RegularShares APY*

Money Market

Account APY*

Welcome to the SoUtheRN:Falcon Aviation Academy - Newnan and

Peachtree City, GA

Kia Atlanta South – Morrow, GA

Coweta County Health Department – Newnan, GA

Global Aviation Holding & North American Airlines – Peachtree City, GA

#

SUMMER 2010

A PUBLICATION FOR MEMBERS OF THE SOUTHERN FEDERAL CREDIT UNION

StyleSouthernNEW OR USED VEHICLE LOAN

*Annual Percentage Rate. Coupon good through September 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.

coUPoN

#

Bill Pay Saves time and Worry

Have you ever found a bill that you thought you paid earlier in the month? Now it’s late. The Southern Federal Credit Union’s electronic bill payment service can eliminate this worry.

Direct payment is the electronic transfer of an authorized payment from a member’s checking or savings account into the account of a biller, financing or investment company. It’s ideal for recurring payments such as household bill payments, insurance premiums, automatic investments and savings plans, mortgage payments, auto loan payments and charitable donations.

You can schedule payments in advance so bills get paid even when you’re away on vacation or away on business.

Electronic bill payment studies show that consumers using automated bill payment generally become more responsible with funds and usually have higher account balances.

THE APR* OF THE QUALIFIED RATE OF YOUR NEXT

IN THIS ISSUE

Overdraft Security Privilege– pg.2 Zero % Financing– pg.3 Relay for Life– pg.4

For the ninth year, The Southern Federal Credit Union participated in the American Cancer Society’s Relay for Life in Fayette County.

This year’s team raised over $13,000 by holding bake sales, wrapping Christmas gifts, holding our 2nd annual

Chili Cook-off, preparing lunch for employees, selling stickers for employees to wear jeans on Fridays, and selling cancer awareness

items. Team co-captains were Mahli Lowder and Karen Kane along with team members Lori Barbe, Michael Fowler, Tiffany Graham, Paula Hasberger, Mandy Jones, Barbara Langston, Lori Lowder, Sam Lowder, Crystal Moore, Cynthia Pope, John Purdy, Christie Rentz, Adrienne Rigney, Carolyn Roberts and Kristine Whitener.

Highlights for The Southern team included:

• Congratulations go out to Karen Kane, Carolyn Roberts, Barbara Langston, Lori Lowder and Mahli Lowder who each raised over $1,000.

• Brandon “Baby-licious” Holiday, who finished 2nd runner-up in the “Miss” Relay 2010. John Purdy placed second in the Box Car Derby.

• The Southern received the Spirit Award for Local Businesses for the second year in a row. This recognition is awarded to the team for participation at Relay and for fundraising and participation throughout the fundraising year.

• The Southern team took home the bronze medal for overall participation and placing in the first annual Relay Olympics.

Thank you to all the members who helped support The Southern Relay For Life team. This was another record breaking year for us and we could not have done it without your generous support.

The Southern supported its Relay Team by paying the participation fees, and through buying items for the team to decorate and sell. The Southern also purchased torches to remember our own Cerena Simmons, who we lost this past year to cancer, and to celebrate our employee survivors.

SAVe up to $650 on closing costshome equity line with a rate as low as 5.00% APR*Looking for some cash to help you landscape the yard this spring, remodel the kitchen or finish your basement, take that long overdue vacation, or even buy that new flat screen TV? You can juggle all these financial needs with our home equity loan. With great rates…as low as 5.00%, and super fast approvals…now’s the time to act!

– continued on next page

Home Loansfrom Start...to Finish!

2/2

6/1

95

0

3/24/1970