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What's New.........

Vaction Skip a Payment is here!

You can choose the month of July, August or September of 2009 to skip your loan payment. A processing fee of $35.00 will be charged per loan. Interest will continue to accrue on your loan from date of last payment until next payment is due. Home Equity loans/lines, share draft lines of credit, education loans and VISA credit cards are not eligible. Delinquent loan accounts are also not eligible. Call today to skip your payment.

College Graduate Loan

Have you recently graduated from college and looking to start the next chapter in your life? The credit union has money to lend! We are offering an unsecured loan up to $3,500 or an auto loan with a rate of -1.00% off our current new or used auto rates. All we need is an application and proof of graduation.

Unsecured and Secured Loans

Loan amount:   $3,500.00

Interest rate:    9.75% Annual Percentage Rate

Terms:            Up to 30 months

                      $ 37.70 per thousand borrowed

Auto loans based on NADA value of the vehicle and subject to credit approval.

New and Used Autos

As low as 5.50% APR with a variety of terms available. Loan rate is risk based pricing and is based on your credit score. Get an additional discount for an active checking account with the credit union and direct deposit of your loan payment. Used auto loans have terms extended up to 66 months! That's $18.07 per thousand borrowed. Call today for more info.

Your Money is Secure with us

· Your deposits are insured to at least $250,000

· Your best interests are protected

· Your credit union is safe and sound

· Your credit union has money to lend!

In today’s challenging economy it’s good to know that SoundView Federal Credit Union is on your side.

Identity Theft

Do not respond to email scams that ask you for your account number, credit card number, and personal identification numbers. Email messages that ask for this type of information are fraudulent and should be reported immediately. We will never contact you and ask for this information.

For more detailed internet fraud and practical tips log on to www.OnGuardOnLine.Gov

OnGuardOnLine.Gov

For your convenience we had added a new link to our website . This link provides practical tips from the government and the technology industry to help guard against internet fraud, how to secure your computer andhow to protect your personal information and more. Click the icon below to review this helpful information.

New First Mortgage Loan/Inquiry Link

The credit union has partnered with Northeast Mortgage to offer our members a wide variety of mortgages at competitive rates. Just click the orange " First Mortgage Request and Inquiry" button on the left to apply or inquire about purchase money mortgages, pre approvals and a variety of other programs.

To report a lost or stolen Visa Credit Card please call:

1-800-237-6211

To report a lost or stolen Visa Debit/Check Card please call:

1-800-554-8969

For your convenience, these numbers are available 24 hours a day, 7 days a week.

New, Used and Refinance Auto Loans

For the month of July 2009, the credit union is offering a rate as low as 4.75% Annual Percentage Rate on new, used and auto refinances. Call today for a payment that fits your budget!

Variety of terms available
Variety of payment options

$1000 Scholarship

The credit union is offering a $1000 scholarship to a member of the credit union who is enrolled in a full time college level program. The scholarship is based on need and the student must have a credit union account in their name. Applications will be reviewed by a third party. Call for an application. The deadline for applications will be August 7, 2009. The recipient will be notified by August 14, 2009.

Money Markets Are Here!

Earn a higher interest rate on your money.

Minimum deposit $1000 to open

Four withdrawals per month

No monthly service charge

Tiered balances and interest rates

$1000 to $24999 .81% APY*

$25000 to $49999 1.26% APY*

$50000 and up 1.76% APY*

Call today to open your account.

*Annual Percentage Yield rates subject to change

American Express Travelers Cheques

Travelers checques are safer than cash. Wether you're taking a quick weekend getaway or a cross country journey, don't take any chances. Travelers cheques give you peace of mind. If they are lost or stolen they can be replaced, usually within 24 hours. We offer convenient denominations of $20, $50 and $100. Call or stop by the credit union before your next vacation.

Here are some useful sites for Money Management and Financial Planning.

VISA www.visa.com

Standard & Poor's Personal Financial Site

www.personalwealth.com

Quicken www.qfn.com

Money Magazine www.money.com

When setting financial goals, be realistic; state your goals in specific measurable terms within a timeframe.

Create a budget

Monitor Spending Habits

Make needed revisions in your budget. This is an ongoing process.

Finally, when creating and implementing a spending plan, remember that an effective budget should be well planned, realistic, flexible and clearly communicated to all household members.

FICO Score Info

Credit scores measure your risk to a lender. Here are a few items that are incorporated in your score.

1. Payment History

This is the most important category. The worst thing a consumer can do is make a late payment or not make a payment at all.

2. Capacity

Capacity is simply the amount owed. The less owed the better the score will be. It is a member's best interest to keep balances low on all revolving accounts.

3. Length of Credit History

Lenders look for applicants with long credit histories.

4. Type of Credit

Your score is determined by a mix such as credit cards, mortgages and consumer finance accounts.

5. New Accounts

This factor reviews the number of new credit accounts opened, how long open, the number of recent requests for credit and length of time since your credit was pulled.

Enjoy another ATM Benefit from SoundView FCU!

To find an ATM in the CO-Op network log into

www.co-opnetwork.org

As a member of SoundView FCU, you can now use your ATM card at over 19,000 ATMS worldwide. Access your money surcharge free at any ATM displaying the CO_OP Network logo.

The CO-OP network provides access to a regional and worldwide network of ATM's with a solid reputation for service and reliability. In addition CO-OP ATM's are now located in all 7 Eleven Stores.

Free Credit Reports

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. You can order your free annual credit report online by clicking the icon on the left side of our home page or by calling 1-877-322-8228.

SoundView Federal Credit Union

14 Research Drive
Bethel, CT 06801

Connecticut: 1-203-796-4500
Outside CT: 1-800-722-2936
Fax: 1-203-791-3225

Hours: 8:30a.m. - 5:00 p.m. EST, Monday - Friday

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA, National Credit Union Administration.
Equal Opportunity Lender
Equal Housing Lender

* The Credit Union is not liable for the content or availability of linked sites.

Members save 10% Learn more

SoundView Federal Credit Union

Members save 10%
Learn more