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Cecil County School Employees FCU Enewsletter

In this Issue

Do The Math
arrow The Kelly Group
arrow Get a Breath of Fresh Air with Our Summer Skip-a-Loan Payment Program!
arrow $1000 CCSEFCU’s Annual Scholarship Program
arrow We Now Offer Mortgage Services to Our Members.
arrow Free Consumer Education Through FoolProof
arrow Be a Savings Sleuth During Credit Union Youth Week
arrow Classified Ads
arrow Holiday Schedule

Credit Union Info

Board of Directors
Fred L. Barrett, President
Randy Sheaffer, Vice-President
Donna L. Brown, Secretary
Betty L. Gray, Treasurer / Manager
Michele Dowdell
Edward Herr
James Raab
Thomas Shaffner
Sandra Smith

Education Committee
Josephine L. Cassidy
Carol Duff
Candace Vogelsong

Credit Committee
R. Eugene Clay, Chairman
Gary Lewis

Supervisory Committee
Tom Shaffner, Chairman
Jeff Bundy
Maurice Tenney

Hours and Location

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!





Do The Math


The Kelly Group (back to top)



Get a Breath of Fresh Air with Our Summer Skip-a-Loan Payment Program! (back to top)

Feeling bogged down by all your bills? Need a chance to catch your breath and start fresh?

Well, Cecil County School Employees’ FCU has just what you need.


You can choose to skip either your July or your August 2013 payment, and you can skip a payment on each loan you have with us. Note: only two biweekly payments may be skipped for any given month. If you’re current on your loans, and you’re not overdrawn on your checking or savings accounts, you qualify! There’s just a $25 processing fee per loan, and applying couldn’t be easier!



$1000 CCSEFCU’s Annual Scholarship Program
(back to top)

If you’re a high school senior heading to college in the fall, don’t miss out on this great opportunity. CCSEFCU is offering $1,000 to be used at any accredited college or university (check will be made payable to the college or university). Only CCSEFCU members are eligible to apply. All students in the Cecil County Public School System, Tome School and Tri State Academy are eligible for membership and may join the credit union and then apply.


Guidelines for upcoming college students.
To enter, the student must:

  • Be and/or become a member of CCSEFCU
  • Be a Cecil County high school senior
  • Have a GPA of 2.5 or above
  • Submit a two page double-spaced essay
    on the topic:

Is personal financial education important? How can Cecil County School Employees’ FCU help you become financially literate?”


All essays must be forwarded to the credit union at 203 Booth Street, Elkton, MD by April 19th, 2013 for a decision to be made by May 10th, 2013. For more information‚ contact the credit union office at 410-398-6921 or by
e-mail at info@ccsefcu.org. All qualified students are encouraged to apply for this scholarship.



We Now Offer Mortgage Services to Our Members.
(back to top)

We are very pleased to announce our newest Member Benefit for 2013 – priority access to a premier home finance specialist. David Fitzell and his team at Carrollton Mortgage Services, the mortgage division of Baltimore-based Carrollton Bank, has been serving mid-Atlantic homeowners for over 100 years.

Branch Manager, David Fitzell and his Loan Coordinator, April Freitag, lead a talented team of mortgage professionals who specialize in one thing: closing loans while delivering great customer service. Our newly-approved Mortgage Lender has access to several innovative programs including some with grants to help you achieve your goals.

Visit their website at www.getmovingwithdave.com , or give them a call at (410) 427-7261 and find out what they can do for you today!




Free Consumer Education Through FoolProof
(back to top)


If you still haven’t taken advantage of the free consumer literacy materials provided through the Credit Union’s partnership with FoolProof, now is the time to start! From protecting your credit score, to being a smart shopper, to buying your first house – FoolProof has it all covered! Even if you’ve already explored their materials, you’ll want to go check them out again. They’ve recently launched brand new versions of their teacher website and of FoolProof Solo, their special program for young people. They’ve also upgraded their high school program with new videos and other content to help high schoolers be smart with their money.

Go to our website at www.ccsefcu.org and click on the Resources tab for more information.




Be a Savings Sleuth During Credit Union Youth Week
(back to top)

It’s never too early to start learning about the importance of savings. If you want the young people in your life to be smart with their money, bring them in to the Credit Union during National Credit Union Youth Week, April 21 – 27, 2013. They can open an account of their own and start experiencing first-hand what it’s like to have their money work for them. Come celebrate with us, and make sure they’re clued in to the marvelous mystery of money management!



Classified Ads (back to top)



Holiday Schedule (back to top)

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

In-service Training Day – April 23, 2013
Branches open at 1:00 p.m

Memorial Day – May 27, 2013

MDDCCUA Annual Meeting – April 23, 2013
Branches closing at noon

Independence Day – July 4, 2013



Cecil County Schools
Federal Credit Union