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Cecil County School Employees FCU eNewsletter

In this Issue

Holiday Helping Hand
arrow New Chip Debit and Credit Cards Coming Soon!
arrow The Kelly Group
arrow The Gift that Keeps on Giving: Skip-a-Loan Payment Program
arrow 24/7 Mobile Banking
arrow Credit Union Scholarships Accepting Applications Now!
arrow Foreign Currency
arrow Classified Ads
arrow Reminders
arrow Holiday Schedule

Hours and Locations

203 Booth Street
Elkton, MD 21921

Our representatives are available Monday through Friday during the
following times:

School Year Hours:
8:00 a.m. to 4:30 p.m.


North East:
3135 Biggs Highway,
Suite #6
North East, MD 21901

Our representatives are available Monday through Friday during the
following times:

School Year Hours:
Monday - Thursday
12:00 p.m. to 4:30 p.m.
12:00 p.m. to 5:30 p.m.


NEW: ATM Now Available!





Holiday Helping Hand

Maybe you’re looking for some help to finance the small mountain of presents under your Christmas tree. Or maybe you’re planning on surprising the family with a winter wonderland vacation and you need some extra spending power. Whichever it is, our low-rate Holiday Loan is the perfect gift this holiday!

Borrow up to $1,500 with a low rate of 7.99% APR* to make your Christmas wishes come true! This holiday special is only available from November 1 through December 18, so don’t delay. Come into one of our branches today to get all you want for Christmas this year! So don’t wait – come in to get your pre-approval and start shopping for your new car today!


*The rates stated above available with approved credit. Rates may be different as determined by the individual creditworthiness of each applicant. Not all applicants will qualify for the lowest rate. Rates are valid as of November 1, 2015 and are subject to change without notice. The stated rate is based on a .25% discount for automatic loan payment.



New Chip Debit and Credit Cards Coming Soon! (back to top)

Instructions will be provided with the new Chip Cards during our normal card reissue cycle. Please read these instructions carefully. More information can be found at: www.ccsefcu.org/visa.htm



The Kelly Group (back to top)



The Gift that Keeps on Giving:
Skip-a-Loan Payment Program

(back to top)

It can be a little stressful trying to pay your regular bills and the extra expenses that come with the holidays. As our gift to you this holiday season, we’re announcing our Skip-a-Loan Payment Program. Let the stress melt away so you can enjoy your loved ones and holiday time stress-free!

You can choose to skip either your December 2015 or your January 2016 payment and you can also skip a payment on each loan you have financed through the Credit Union. As long as you're current on your loans and not overdrawn on your checking or savings accounts, you qualify for this great offer! Note: only two biweekly payments may be skipped for any given month.

Applying for our Skip-a-Loan Payment Program is easier than putting a
present in a gift bag! A $25 processing fee per loan is required. All you have
to do is print and complete this form and bring it by one of our
branches or fax it to 410-398-0032 to get set for a wonderful holiday season!


24/7 Mobile Banking (back to top)

Our new mobile banking platform, Mobiliti™, gives you full-access to your accounts whenever you want from wherever you are! View account balances, transaction history, transfer funds, and receive account alerts with a few simple clicks. Log in to Online Banking, click on the Self Service tab, and select Mobiliti™ under Additional Services to get started!









Credit Union Scholarships Accepting Applications Now!
(back to top)

$1000 to be Used at Any Accredited College or University

This scholarship program is for CCSEFCU members only. Students may join the Credit Union and then apply. All students in the Cecil County Public School System, Tome School, and Tri-State Academy are eligible for membership.

Guidelines to enter for upcoming college students:

  • Be and/or become a member of CCSEFCU
  • Be a high school senior
  • Have a GPA of 2.5 or above
  • Submit a two page double-spaced essay on the topic:
    Imagine that you are talking with a friend. Explain to them the
    value of your credit union membership.

All essays must be forwarded to the credit union at 203 Booth Street, Elkton, MD 21921 by April 8, 2016. The decision will be made by May 13, 2016. For more information, contact the credit union office at 410-398-6921 or email us at info@ccsefcu.org.

We encourage all qualified students to apply! Visit our Scholarship page for information on a scholarship from Credit Union Foundation of MD & DC.


Foreign Currency
(back to top)

About to enjoy some time abroad? Check one more thing off your to-do list by letting our convenient and secure service help exchange your currency! Stop by to learn more.


Classified Ads (back to top)

As a service to our members, we offer free placement of classified ads in our newsletter. We reserve the right to publish submitted ads at our discretion.

If you are interested in placing an advertisement in our quarterly newsletter, email us at ads@emccu.com. If we approve your ad, we will feature it in the next newsletter.


(back to top)




Holiday Schedule (back to top)

Please note that your Credit Union will be closed in observance of the following holidays:

Columbus Day – Oct. 12, 2015

Training Day – Oct. 27, 2015
Branches open at 1:00 p.m

Veterans Day – Nov. 11, 2015

Thanksgiving – Nov. 26-27, 2015

Christmas – Dec. 24-28, 2015

Shortened Hours – Dec. 29-31, 2015
9:00 a.m. - 3:00 p.m

New Year’s Day – Jan. 1, 2016

Martin Luther King Day – Jan. 18, 2016



Cecil County Schools
Federal Credit Union