8
Going Green with G-Race We all know that green is the way to go. Your credit union also understands the importance and value of going green, and we are committed to identifying ways to help you, our members, save money and give back to the environment. Sperry’s new partnership with The Great Green Race (G-Race) will help our members accelerate the adoption of solar and other sources of renewable energy. By working with Sperry, G-Race is able to offer discounts on financing to provide affordable loans for renewable energy and environmentally friendly, energy-efficient products. If you are in the market for items such as heating systems, energy-saving appliances, thermal windows and hybrid cars (among other green alternative items), the Sperry and G-Race team will help you obtain great loan rates that will enhance your tax breaks and energy rebates, making the purchase of these products very affordable. If you are a new home buyer or want to renovate an existing home or commercial building, you may qualify for interest rate discounts on financing for: Products that meet a “green” standard, such as solar or other alternative energy installations Energy-efficient products such as appliances, water conservation or air filtration Products and services resulting from Green Energy Audits Fuel-efficient, hybrid or electric vehicles. G-Race and Sperry Credit Union working together toward a shared vision: Accelerate the Green Revolution. For more information on G-Race please visit: www.thegreatgreenrace.com — click on Green Finance. Fall 2009 A Sperry Credit Union Quarterly Newsletter THE PIECE COR NER WHAT’S INSIDE Ugliest Space Wins $3,000 3 Notification: Change In Loan Due Dates 4 Business Line 5 Member Tips 6 Youth Connection 6 Community Corner 7 Green Home Equity Loan and Home Equity Line of Credit = .25% APR discount Green Personal and Green Auto Loans = .50% APR discount 1 SHADES OF GREEN Green Checking Saves paper, no minimum balance and no monthly fees, unlimited FREE ATM withdrawals, FREE check re-orders with Direct Deposit* and one fee refund per year. Online Banking FREE Online Bill Pay FREE Mark Your Calendar DATE EVENT LOCATION October 6 November 9 November 30 Senior Tax Reduction Assistance Program Call for an appointment Sperry Garden City Park Branch October 10 – 11 Farmingdale Street Fair Main Street, Farmingdale October 12 – 24 Enterprise Used Car Sale Enterprise Car Sales, Rockville Center, NY October 31 Halloween Raffle Sperry Garden City Park, Farmingdale and Stewart Avenue branches November 21– 22 Green Living Expo www.greenlivingexpoli.com Suffolk County Community College, Brentwood Exhibition Complex December 2010 College Scholarship Applications Available All Sperry branches and online at www.sperryfcu.org

NEr PIECE Cor - Sperry FCU...change without notice. home equity loans are available in the following states: nY, CT, nJ, VA, Md. 1 no closing costs for loans up to $100,000 on properties

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Page 1: NEr PIECE Cor - Sperry FCU...change without notice. home equity loans are available in the following states: nY, CT, nJ, VA, Md. 1 no closing costs for loans up to $100,000 on properties

Going Green with G-Race

We all know that green is the way to go. Your credit union also understands the importance and value of going green, and we are committed to identifying ways to help you, our members, save money and give back to the environment.

Sperry’s new partnership with The Great Green Race (G-Race) will help our members accelerate the adoption of solar and other sources of renewable energy. By working with Sperry, G-Race is able to offer discounts on financing to provide affordable loans for renewable energy and environmentally friendly, energy-efficient products.

If you are in the market for items such as heating systems, energy-saving appliances, thermal windows and hybrid cars (among other green alternative items), the Sperry and G-Race team will help you obtain great loan rates that will enhance your tax breaks and energy rebates, making the purchase of these products very affordable.

If you are a new home buyer or want to renovate an existing home or commercial building, you may qualify for interest rate discounts on financing for:

• Products that meet a “green” standard, such as solar or other alternative energy installations

• Energy-efficient products such as appliances, water conservation or air filtration

• Products and services resulting from Green Energy Audits

• Fuel-efficient, hybrid or electric vehicles.

G-Race and Sperry Credit Union working together toward a shared vision: Accelerate the Green Revolution.

For more information on G-Race please visit:www.thegreatgreenrace.com — click on Green Finance.

Fall 2009

A Sperry Credit Union Quarterly Newsletter

THE

PIECEC

orNEr

WhAT’S InSIdEUgliest Space Wins $3,000 3

Notification: Change In Loan Due Dates 4Business Line 5Member Tips 6

Youth Connection 6Community Corner 7

Green Home Equity Loan and Home Equity Line of Credit

= .25% APR discount

Green Personal and Green Auto Loans

= .50% APR discount 1

SHADES OF GREENGreen Checking — Saves paper, no minimum balance and no monthly fees, unlimited FREE ATM withdrawals, FREE check re-orders with direct deposit* and one fee refund per year.

Online Banking —

FREEOnline Bill Pay —

FREE

Mark Your Calendardate event location

october 6 november 9november 30

Senior tax Reduction assistance Programcall for an appointment

Sperry Garden city Park Branch

october 10 – 11 Farmingdale Street Fair Main Street, Farmingdale

october 12 – 24 enterprise Used car Sale enterprise car Sales, Rockville center, nY

october 31 Halloween Raffle

Sperry Garden city Park, Farmingdale and Stewart avenue branches

november 21– 22 Green living expowww.greenlivingexpoli.com

Suffolk county community college, Brentwood exhibition complex

december 2010 college Scholarship applications available

all Sperry branches and online at www.sperryfcu.org

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Co

rNErExecutive We have recently partnered with a company called

The Great Green Race to offer you state-of-the-industry, environmentally friendly home equity loans and ensure you receive all of the tax breaks and rebates you are entitled to. See details in our “Going Green” article, page 1 of this newsletter.

• Sperry is welcoming one and all to our Garden City and Farmingdale branch locations this fall for a series of events that we believe will educate and improve the financial well-being of our members. We invite and encourage you to attend and to bring a friend with you. Stay tuned — watch our website at www.sperryfcu.org for more details.

• We have just completed an online initiative that will help our members complete their financial picture — all in one place — with Finance Works. It’s easy to use and it’s free!

• If you are a senior member who would like assistance to complete the nassau County property tax reduction application, you will want to sign up for a free appointment with an expert during the month of October. For more details, see Member Tips in this newsletter.

Like I said, a little something for everyone. We continue to work hard to meet our members’ needs. We encourage you to take advantage of what Sperry has to offer and

we ask you to “refer a friend” (another Sperry promotion), anytime and every time you have the opportunity.

Enjoy this special time of the year, and stay well.dan Capece, Secretary / Treasurer

Wow, where did 2009 go? Are we really moving into the last quarter of the year? Since we are so far along into our year, let me bring you up to speed with the happenings in your credit union.

First, let me say thanks for the faith and trust you place in the credit union. The uneven financial performance that befell the stock market and major banks last year moved the consumer to look for safe alternatives when “banking” their money. This resulted in Sperry experiencing a

windfall in member deposits since January that now exceeds $60M or 18 percent growth in less than nine months. In the same period, the credit union has made better than 50 million dollars in loans, right on plan. Earnings from operations have been strong, and we see opportunity for growth on the horizon. Of course, as mentioned previously, the year for our credit union and all credit unions is not without its challenges. The regulators continue to direct industry-wide restoration of the capital system that insures the deposits (up to $250K) of credit union members across the country. In addition, deposits that we hold with our “corporate banking partners” have been devalued. These issues result from losses on investments and loans that gripped the country when financial markets tumbled last year. While ultimately these assessments and charges impact earnings locally, they do have the positive impact of strengthening the credit union industry as a whole. We, as an industry, are moving to get this issue behind us as rapidly as possible.

As we move to close the year, we have an ambitious agenda that we believe has a little something that should interest each and every member.

• For those of you who are concerned about the environment and in the market for such items as heating systems, energy-saving appliances, thermal windows and hybrid cars, among other items, you can now team with Sperry, LIPA and the nY State and Federal Tax authorities in the purchase of “green products.” This program features great loan rates, tax breaks and energy rebates that make purchase of these products very affordable. Introduction of this program is in keeping with Sperry’s commitment to green lending.

2

In MemoriamWe all lost a good friend and credit union stalwart in the passing of VicJanas who died on July 12. Victor, a member of the U.S. Army Signal Corps during World War ll, was a long time Sperry Corporation employee. An accountant by occupation, he served in numerous capacities in the financial operations of the company.

In 1975 Vic volunteered to serve as a member of Sperry Credit Union’sSupervisory (audit) Committee and then moved on to the Credit Committee. he was elected to his first term on the Board of directors in 1978 and served with distinction for nearly twenty-five years, holding progressively responsible positions as Vice Chair in 1980 and Chairman

• All cars hand-selected, inspected and ready for delivery• 109 point ASE inspected• Seven-day repurchase agreement3

• 12/12 Limited Powertrain Warranty4

• One year unlimited mileage roadside assistance5

• Trade-in’s welcome• Customized LOW monthly payments• Save time — call (516) 873-7171 and get pre-approved today!

MEMBERS SCORE BIG wItH GREAt USED AUtO DEALS!

2.00% APR Rate discountor

$1,000 Gas Card2

October 10 – 24, 2009To take advantage of this offer,

visit Enterprise Car Sale Rockville Centre!602 Sunrise highway, Rockville Centre, nY

(516) 887-1777(1) APR=Annual Percentage Rate. 2.00% off current rates. Current rate will vary based on credit worthiness and terms. Financing for qualified Sperry Federal Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased 10/10/09 - 10/24/09. (2)$1,000 gas card will be issued 30 business days upon purchase (or financing) of vehicle. Offer valid only on Enterprise vehicles purchased 10/10/09 - 10/24/09 and financed through Sperry Federal Credit Union. Offer void when seven-day Repurchase Agreement is activated. no cash advances. Cannot be combined with any other offers. not valid on previous purchases. (3)For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). Restrictions apply. For details, see an Enterprise Car Sales Manager. (4) Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. For details, see an Enterprise Car Sales Manager. (5) Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada.

in 1988. For the next ten years Vic guided the credit union through some very challenging times, such as the demise of Sperry Corp. as the primary credit union sponsor and relocation of credit union operations to the Garden City Park facility. he presided with a cautious and controlled style; always putting the good of the member first and understanding the benefits a credit union could offer.

A long time resident of Flushing, Queens, he and Jean, his wife of sixty years, moved to Copiague five years ago to be near their daughter. Upon his death, his daughter Ann observed that “his one regret was not being able tocontinue going to the credit union. ” We will miss Vic and will be ever grateful for his service.”

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3

Ugliest Space Wins $3,000!

Do you have an Ugly Space?

Send us your picture and look at each case.

the most votes will win the race!

Beauty may be in the eye of the beholder...but it’s time to face the UGLY TRUTh! Your space needs an update! Whether your space needs a quick touch-up or a complete overhaul, Sperry Credit Union’s home Equity Loans and Lines of Credit are a great way to take on those small jobs, big projects and everything in between. Use the equity in your home to make your space a beautiful place!

tO ENtER tO wIN 1. Visit www.sperryfcu.org between October 1 and December 31, 2009.

2. Click on UglySpace and follow instructions.

3. Cast your votes between January 1 and January 31, 2010.

*no purchase necessary to enter to win. To enter to win visit our Web site at www.sperryfcu.com. Limit one entry per household. Void where prohibited by law. Employees of Sperry Credit Union and immediate family are not eligible. Contest runs October 1 through January 31, 2010. Official rules are available upon request by sending a stamped, self-addressed envelope or you can view them online. home Equity loans limited to the following states: nY, CT, nJ, VA, Md. Winner is responsible for all tax consequences (if any). Winner will be announced in February 2010.

Borrow up to $500,000

IMPROVE YOUR UGLY SPACE wItH tHE EQUItY IN YOUR HOME

APR = Annual Percentage Rate. Rates effective 9/1/09 and subject to change without notice. home equity loans are available in the following states: nY, CT, nJ, VA, Md.1no closing costs for loans up to $100,000 on properties outside nYC and the City of Yonkers; reduced closing costs on properties in nYC and the City of Yonkers. hE Loan: Rates shown are the lowest rates offered for loans with a maximum term of 60 months, LTV below 80% and credit score 730 and above. Other rates and terms are available. If repaid within first year early termination fee applies. 2hELOC – The introductory rate of 2.90% APR applies for the first six months. Thereafter, the APR may vary quarterly based on the prime rate published in The Wall Street Journal plus or minus a margin. Prime rate as

of 6/19/09 is 3.25% APR. Maximum APR is Prime + 4.00% APR. Rates can increase or decrease quarterly but not to exceed 18% APR or fall below 4.00%, Minimum advance is $15,000. Offer is for new lines of credit for qualified borrowers. Early termination fee applies within first three years.3Fixed-rate hELOC – Rate is fixed for the first five years and then adjusts to Prime plus or minus an agreed upon margin. After five years, rate will adjust quarterly. Early termination fee applies within the first three years. Prime rate as of 6/19/09 is 3.25% APR. Maximum APR is Prime + 8.00%. Rates can increase or decrease quarterly but not to exceed 18% APR or fall below 6.00%. Minimum advance is $15,000.

Apply online at www.sperryfcu.com or call (516) 873-7171, option 3 to speak with a

Loan Consultant.

Home Equity LoanFixed rates as low as

5.49% APR1

Home Equity Line of CreditIntroductory variable rate as low as

2.90% APR, 10-year draw2

OrFixed rate as low as

6.25% APR, 5-year draw3

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4

Sperry’s FREE Visa® Check Card earns U-Choose Reward points and does everything an ATM Card does and more. Visit www.uchooserewards.com to redeem your points.

TIP: Redeem your points for holiday gifts and save some money!

You shop…You earn…You choose!

FREE VISA® CHECK CARD wItH REwARD POINtS

“Really” Free-Checking

do you have a checking account with another institution that’s not meeting your needs? Are you unhappy with their service? We can make it easy for you to make the change with our Switch Kit. The kit is available online at www.sperryfcu.com, click on the “Membership” link.

If you’d like a REALLY free checking account — give Sperry a try!

NOTIFICATION:

The Credit Card Accountability Responsibility and disclosure Act of 2009 (CARd Act) requires financial institutions to provide 21 days advance notice to open end loan holders(1) prior to requiring a payment on a loan each month. This required notification is to ensure that the loan holder has sufficient time to be aware of their required payment.

In order to comply with this legislative requirement, Sperry must change your loan due date to the last day of the month. This notification is our first in providing the required 21-day advance notice of a payment being due. Future notices will be detailed within your account statement.

You may still continue to make your payments on any day of the month, as you are presently doing — the only change is that your new due date will be the last day of the month.

For example, if your current payment due date is the 1st, it will now be the last day of the month, but you can continue to pay on the 1st. This change will only affect your loan due date. We will unfortunately not be able to accommodate any changes to this new due date, and apologize for any inconvenience that this legislative requirement may cause.

There is no need for you to take any action on this notice, UnLESS you have an automatic Transfer, Online Bill Payer or ACh payment process in place And you want to now change that processing date to correspond to your new payment date, the last day of each month. If you want to make such a change, you will need to initiate that change with either Sperry (by changing the date you have already set up in Online Bill Payer,

or, if you have Automatic Transfer, by calling us or e-mailing us at the contact information noted below) or by contacting the other financial institution handling the ACh transaction.

Sperry will be mailing a notification to all members affected by this change with further details within the next month. If you receive a notification, please make sure you review the changes to see how they affect you going forward.

Questions: Telephone: (516) 873-7171 option # 4Or e-mail [email protected]

OPEN END LOANS(1)• new Auto Loans(2)• Used Auto Loans(2)• Motorcycle Loans(2)• new Vehicle Balloon Loans(2)• Used Vehicle Balloon Loans(2)• Personal Loans• Share Secured Loans• Certificate Secured Loans• Overdraft Protection (Personal Line of Credit)• home Equity Line of Credit (hELOC) • Fixed Rate hELOC• Boat Loans• Credit Cards (MasterCard®)

(1)Open End Loans(2)If your loan documentation was processed and completed at the car dealership, you are not affected by this change.

Loan Due Date Change

Free CheCking

Minimum Average Daily Balance $0

ATM Withdrawals FREE 3 per month, then $1

Dividend Rate No

First Order Checks FREE

Online Bill Pay FREE

Monthly Fee $0

Monthly Statement Electronic — with paper option

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5

A Separate Business Checking Account Would Benefit You and Your Business

It is difficult sometimes to separate business and personal funds, especially if you have to make payments from your personal account to your business account. Even some of your day-to-day purchases or entertaining clients may get mixed up between personal and business accounts.

Sperry and its Business Services Team has a solution to help you and your business — utilize our Business Savings, Checking and Money Market products.

Separate corporate accounts are recommended for the following reasons:

1. To maintain the integrity of your business. A separate set of books and records will make it easier at tax time and also throughout the year.

2. Being able to track your income and expenses — strictly from your business — will give you a better glimpse of sales and expenses.

3. Business or hobby? Some small businesses find themselves asking this question with their accountant each year. depending on the type of business you are running, this may or may not be an issue, however having a separate record of income and expenses will make it much easier to answer this question.

BUSINESS LINE

What Should You Do?

Take advantage of Sperry’s Business Interest Checking account! You will enjoy earning interest through our multi-tiered product. Perhaps you want the flexibility of a smaller balance, such as Basic Checking which is fee-free as long as a small monthly balance is maintained.

So, give us a call today, and let us know how we can help you grow your business. Sperry’s competitive business rates are available to any business including LLCs and Sole Proprietors.

next time you are at your local branch, ask about options for your business banking or call the Business Services department directly at (516) 873-7171, ext. 1200.

1If average monthly balance falls below, a maintenance fee of $15.00 will be charged.2no monthly fee; transaction fees may apply.*Restrictions apply. Ask for details. The Board of directors will establish rates at its next regular meeting. APY = Annual Percentage Yields. Assumes funds remain on deposit for a full year. APY stated for non-certificate accounts is computed using average daily balance method. non-certificate accounts with a balance of $0 on the last day of the month do not receive dividends. Rates are current as of August 1, 2009 and are subject to change at any time.

KIOLI is a MovementIt stands for “Keep It On Long Island.” As consumers, Sperry members have the power to help strengthen the Long Island economy by shopping locally. Money spent here, with Long Island-owned businesses, stays right here where we need it to be. As a proud Founding Member of KIOLI, Sperry encourages you to Keep It On Long Island. Visit www.Kioli.org to find a business near you!

BUSINESS CHECKING PRODUCtSBasic Business Business Interest Rate* (APY)

Minimum Balance to Open1 $500 $500

Average Monthly Balance2 $500 $10,000

divided Tiers n/A

$0 - $24,999.99 1.00%

$25,000.00 - $49,999.99 1.15%

$50,000.00 - $99,999.99 1.25%

$100,000.00 - $249,999.99 1.40%

$250,000.00 & up 1.50%

number of Monthly Transactions Including:• Checks Paid• Deposits• ACH Debits/Credits

300 FREEthen $0.25 per item

150 FREEthen $0.25 per item

PC-24 Online Banking FREE FREE

TEL-24 Telephone Services FREE FREE

Check Card/ATM2 FREE FREE

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6

Manage Your Money With a Click of a Mouse

Effective October 1, all home banking users will be able to use a FREE online service that lets you manage finances quicker and easier than ever before! FinanceWorks™ is a program that is integrated with online banking (PC 24) and uses features from Quicken® to allow you to better manage your money.

You are able to bring together all of your accounts, both at Sperry and from the outside, for a consolidated look at your financial picture. It has tools that help you plan and budget, shows what bills are due and when, and how much money you can spend until payday. With Personal FinanceWorks™ you can:• View charts and graphs showing where you spend your money• See how much you can spend until your next payday• Create custom categories for spending• Set specific goals for the month and track your progress• Project the coming months bills so you know if you’ll have enough money• Set reminders to help you remember to pay your bills

There are many more features that we hope will make Sperry your one-stop shop for managing all of your finances.

A Great Way to Save MoneyPrincipal-only Payment Now Available Online

here’s a great way for you to save money. did you know that by making an additional principal payment each month you can reduce the length of your loan and save money? Effective October 1, you can make principal-only payments to any loan you see on Sperry’s home banking system. Don’t wait to take advantage of this great new service.

YOUTH CONNECTIONTips to Build Your Savings

Property Tax-Reduction Assistance ProgramdATES: Tuesday October 6

Monday november 9

Monday november 30

APPOInTMEnTS:

Morning:

9:00,10:00 and 11:00

Afternoon:

12:30, 1:30 and 2:30

SCHEDULE AN APPOINtMENt! Call Geeta Chanchall to make an appointment at (516) 873-7171 x1046. Appointments are limited and will be assigned on a first-come, first-served basis.

If you need help to complete the nassau County property tax-reduction application (initial applications or annual renewal forms), a volunteer from Family & Children’s Association will be available at Sperry’s Garden City Park branch location on the dates listed. This service is available to all seniors, veterans and disabled members with incomes of less than $40,000 per year.

If you are renewing your request for a tax reduction, you must bring any local

Whether you are saving for a new car, college tuition or setting aside funds for a rainy day, decide how much money to save each month, and make it a priority. Even small amounts add up, and when you put your money into a Savings Account you earn interest, which means you not only save money, you make money!

define a specific savings goal. Is it that new laptop or vacation fund? Figure out the exact amount that you will need, and then calculate the exact amount that you need to save each month.

property tax exemption forms and the nassau County Senior Property Tax Renewal form you received in the mail. Forms for first-time filers will be made available. nassau County applications are due by January 1, 2010.

Note: Valley Stream, Freeport, hempstead, Glen Cove and Long Beach use City /Village forms in addition to County forms. Some incorporated villages have property tax exemption forms for village taxes.

If your employer offers direct deposit, have a portion of your paycheck deposited directly to your Savings Account. If not, transfer money to your Savings Account using Online Banking or set up automatic transfers to your Savings Account.

Focus on your goal, think about the purchases you make, and determine whether they are things you really need.

Establish and set aside a budget for each week, and stick to it.

Visit Sperry’s website www.sperryfcu.com and use our Savings calculator to see how quickly savings add up!

MEMBEr TIPS

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7

Get Out Your Sneakers — It’s Time To Walk For A Lupus Cure

We hope you will support Sperry or join our team as we walk for a cure for Lupus. Over two million Americans suffer from lupus, a chronic autoimmune disease that has no cure. Sperry will be walking in the 16th Annual Walk-Along for Lupus at Eisenhower Park, Field

#6 on Sunday October 18, beginning at 10:00 am. If you would like to make a donation visit our website and click on the Lupus Walk graphic.

Serving the Community

John Kumpel Board Chairman was appointed to serve as the Secretary for the nassau County nY Connects Council, effective September 23. This council provides information about programs and services that are available to persons of all ages who need some assistance in order to live safely in their homes and communities.

CoMMUNITy CorNErALL THE LONELY PEOPLE, WHERE DO THEY ALL COME FROM?*

The number of elderly persons in nassau County is increasing and many live on their own with children located out of state. They struggle on their own unable to make the simplest meal for themselves, unwilling to ask for help.

There is a program — Meals on wheels — that is available to persons regardless of income who are over 60 years of age who have a limited ability to obtain or prepare meals for themselves. AnYOnE may request the service: the person in need, relatives or friends. Meals on Wheels has 500 volunteers who personally deliver two meals day; one hot and one cold! If you know of someone who needs their assistance, don’t wait — call today (516) 739-1292.

Musings by a Meals on Wheels Volunteer – Evelyn Kandel, Glen Cove Volunteer

Theirs is the endings of things, the silence of things, alone, they open the door to a short greeting from a person who brings meals, and leaves. One small ray of contact in a dimming world. Mr. B. is not on the list this week. What has happened? Is he in the hospital? Mr. B. with his sweet wavering

voice and shy smile, uncertain steps amid the clutter of an old man’s unused things. The dinginess of the kitchen table holding, each day, one bright

aluminum tray with his hot dinner at 11 a.m.

All the alone people. The sad and sick people. You want to do more for them but can’t, so go on to the next stop, the next door bell, the next cheery, hello,

how are you today. Be careful, the tray is hot. You take care, I’ll see you next week.

*The Beatles

donations may be sent out to: Meals on Wheels, Visiting nurse Association of Long Island, Inc., 100 Garden City Plaza, Garden City, nY 11530

dATES: Tuesday October 6

Monday november 9

Monday november 30

APPOInTMEnTS:

Morning:

9:00,10:00 and 11:00

Afternoon:

12:30, 1:30 and 2:30

Bike Ride Fights MS

dan Capece, Secretary/Treasurer, represented Sperry Credit Union again this year to demonstrate our support for the newly diagnosed and those who deal with MS on a daily basis. The national Multiple Sclerosis Society Long Island Chapter’s Team Lufrano raised almost $15,000 to help fund MS research and programs this year. If you’d like to help them reach their $20,000 goal it’s not too late to donate. Visit http://bikenyh.nationalmssociety.org and click on Team Lufrano.

Team Lufrano - They ride because they can, while so many with MS cannot.

COATS FOR KIDS

Every child needs a warm coat to wear during the winter season. Since the economic downturn, donations have dramatically decreased. We hope you will bring in “gently-used” closing items and place them in the barrels located in our branches during the month of november.

Long Island Credit Unions AreWorking Together To Collect Food

And Monetary Donations To Fight Hunger.Donations Will Bene�t:

Participating Credit Unions:

The Heart Center FCU

Long Island Credit Unions AreWorking Together To Collect Food

And Monetary Donations To Fight Hunger.Donations Will Bene�t:

Participating Credit Unions:

The Heart Center FCU

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MAIn OFFICE2400 Jericho Turnpike Garden City Park, nY 11040 - 4711(516) 873-7171 • FAX (516) 873-7628www.sperryfcu.orgBranch HoursMonday 8:30am – 4:30pmTuesday 8:30am – 4:30pmWed 10:00am – 4:30pmThursday 8:30am – 4:30pmFriday 8:30am – 6:30pmSaturday 9:00am – 1:00pmDrive-Thru Window HoursMonday-Thursday 8:30am – 4:30pmFriday 8:30am – 6:30pm

GARdEn CITY BRAnCh830 Stewart Avenue • Garden City • NY 11599Branch HoursMonday - Friday 8:30am – 1:00pm 2:00pm – 4:30pmWednesday 10:30am – 1:00pm 2:00pm – 4:30pm

BUSInESS SERVICES OFFICE330 Old Country Road, Suite 204 • Mineola • NY 11501By Appointment: (516) 873-7171, ext. 1200Business Loans: (866) 889-4350

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FARMInGdALE BRAnCh521 Conklin Street • Farmingdale • NY 11735Branch HoursMon, Tues, Thurs 9:00am – 4:00pm Wednesday 10:00am – 4:00pmFriday 9:00am – 6:00pm Saturday 9:00am – 1:00pm

Tel-24 Touch Tone Service(516) 873-7171 • 1-800-676-5512 • Option 2Mastercard® Customer Assistance 1-800-237-6211 • www.ezcardinfo.comFirst Mortgage 1-800-239-5376Our Routing number 221475773

It Pays To Have Friends...

You already know the great benefits Sperry offers. So spread the word…and you’ll see that it really does pay to have friends! Fill out this form and have your friend bring it in to a Sperry branch.

Referring Member’s Information

name:

Phone number:

E-mail Address:

*Account must remain open for three months before funds are deposited into referring member’s account.

Earn a $20 bonus* when you refer someone who opens a Savings and a Checking Account with a FREE Visa® Check Card!

Need to Visit a Branch?Now you can choose from more than 3,700 locations

While you can always bank 24/7/365 from the comfort of your home or anywhere else in the world with Sperry’s online and telephone banking systems, you can also visit most credit union branches to conduct your transaction anywhere in the country.

No-Fee ATMs

Sperry Credit Union belongs to several networks to bring you no-Fee ATMs. Over 28,000 surcharge-free ATMs are available through the CO-OP network®, including most 7-Eleven® stores. For locations, visit www.sperryfcu.com. Also, Sperry members pay no fees at King Kullen ATMs. For a listing, visit www.kingkullen.com.

hOLIdAY CLOSInGS

Veterans’ day Wednesday, november 11

Thanksgiving Thursday, november 26 Friday, november 27

Christmas Eve Thursday, december 24 (close at 12:00pm)

Christmas Friday, december 25

new Year’s Eve Thursday, december 31 (close at 12:00pm)

new Year’s day Friday, January 1

Please direct any questions or comments about this newsletter to:

Lucille Short, Editor, Sperry Credit Union2400 Jericho Turnpike, Garden City Park, nY 11040 E-mail: [email protected]

Anywhere you see this swirl you can make deposits, withdrawals, loan payments, account transfers or purchase money orders, travelers checks and official checks. To find a branch near you, visit our website and click on the ATM and Branch Locator on our home page.

Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. The National Credit Union Administration (NCUA) is a U. S. Government Agency.