Space Coast Credit Union • Connections April 2009



A Message from Timothy M. Antonition, Executive Vice President, Retail Operations Over the past few months, we have shared information with members about various ways we can operate the credit union more efficiently for you, and how your use of products and services from the credit union generates a return to you, our member-owners. This month, I would like to talk about how the loans members have with the credit union contribute to the cooperative and help generate more benefits for members. We all know we pay interest on loans, and the lender earns that interest. So who gets the benefit of that interest? Well, if your home or auto loan is financed at another institution, the interest you pay on those loans generates income for that institution. So right now, who is getting the benefit of the interest income for your vehicle loan? Is it a bank or other for-profit lender, where the income is used to generate a profit for stockholders or investors, or is it the credit union you own along with your fellow members, where the income is used to produce a benefit for you? The income the credit union earns from loans is used to consistently provide all members with higher deposit rates, lower loan rates, and more free and low-cost services than they would typically receive from a bank. Read the full article at SCCU.com. Member Discounts Capt. Hiram's Resort Discounted room rates: • Sunday through Thursday: $89 per night plus tax • Friday & Saturday: $109 per night plus tax when booked online using discount code SCCU Anthony's Pest Management (Volusia & Northern Brevard Counties) $25 off yearly pest control $50 off subterranean termite protection $100 off both services Visit the Member Discount page at SCCU.com/discount for a complete list of participating businesses and the special member pricing available to you. Auto Dealership Reviews Now Available! Before you buy your next car, make sure to visit SCCU.com/reviews to read what your fellow members had to say about their experiences at area vehicle dealerships! Holiday Hours Lobbies and drive-thrus will be closed Monday, September 7 for Labor Day. For a listing of branch and ATM locations, maps, and hours of service, please visit SCCU.com/locations.	You have the opportunity to rate your SCCU experiences and share your comments with other members through our Watchdog Rating System. Surveys are delivered via email, so please make sure we have a current email address on record. Visit SCCU.com/watchdog* to view star ratings and user comments.* Products & Services SCCU has everything you need to run your household and more! Checking/Debit - Varied accounts to meet your needs - FREE debit card rewards Credit Cards - Platinum Visa® with low rates & no hidden fees - FREE credit card rewards Business Services - Complete range of business products - Local decision makers & fast loan approvals Home Loans - Award-winning mortgage loans - Flexible home equity loans Specialty Loans - Personal loans, signature loans, and more Convenience Services - Free services to make running your life easier - Free Online Banking, Bill Payer, CALL-24 phone access, 24-hour Member Service support, and more Auto Loans - Get pre-approved before you buy or finance at the dealer - Refinance your current vehicle Investments & Insurance* - Licensed financial advisors to help with all your financial planning needs* Savings - Multiple account types to help you reach your goal - CDs, Money Market accounts, and special My Way Accounts Contact Us! Brevard: 321-752-2222 Toll-Free: 800-447-7228 *Investments and investment advisory services offered through CUSO Financial Services, L.P. (CFS) an independent broker-dealer and SEC Registered Investment Advisor are not NCUA/NCUSIF insured, are not credit union guaranteed and may lose value. Space Coast Credit Union is in partnership with CFS. Financial Advisors are employees of Space Coast Credit Union and registered through CFS. (Member FINRA/SIPC).