accountabilitysoutheast financial credit union • spring 2019 newsletter

Member Services Call Center615.743.3700 or 800.521.9653

Loan Call Center615.743.3700 or 800.521.9653

Mortgage Services615.743.3700 or 800.521.9653

24-Hour Personal Access Line615.743.3777 or 800.242.2686www.southeastfinancial.org

call on us anytime

Spring is a great time to start searching for a new home. April kicks off the home buying season, but the trick is being ready to buy when you find the perfect house. In today’s market homes go quickly, especially in locations where inventory is low. To get ahead of your competition, follow these five simple steps.

Get preapproved. It’s nice to know what your budget is before the house hunting begins. Getting preapproved gives you a starting point, plus it can often give you an edge over the competition when the seller has received several offers.

Have a checklist. Before visiting any potential properties, have a basic pros and cons checklist in place. How many bedrooms do you need and is the property in your desired neighborhood? After each visit, think about what you liked and didn’t like based on your list.

Pick a Realtor®. It takes a lot of time and effort when looking for the perfect house. A qualified Realtor® can help you speed up the process with professional insight and search tools that are not available to the general public.

Don’t be afraid of a little DIY. Focus on the quality and features of a home. Shag carpet and fuchsia painted bedrooms can easily be changed. With a little work, you can make it the home of your dreams.

Search off the beaten path. If you’re having a hard time finding a home in your desired neighborhood, broaden your scope and you could get more bang for your buck.

As you can see, there’s a lot to consider before purchasing a home. Contact one of our mortgage professionals today for information on preapprovals or finding a mortgage product that works best for you. Call 800-521-9653 or send an email to mortgageservices@southeastfinancial.org.

spring into a new home

Memorial DayMonday, May 27, 2019

holiday closings

way to go!Congratulations to our Germantown branch for being named Best Bank in the Germantown News’ 2019 People’s Choice Awards. If you live in the Germantown area, stop by the branch and meet our team and you’ll discover why members voted them the best!

that’s what YOU said!We love hearing from our members! Here’s what some of you recently had to say:

“Vicki went out of her way to make sure she could close this deal and I would highly recommend her and I would do it again. Thanks Vicki! I love my new Harley Davidson.”

- Bruce B.

“Every time I’ve had any dealings with Southeast Financial the staff has been very helpful and friendly. My wife and I have everything except for our house financed with Southeast. Any time we go in to Southeast the staff speaks and makes you feel very welcomed.”

- Ronnie J.

“From the very first time I stepped foot in the building everyone who works at Southeast Financial has been friendly and easy to work with. They made the loan process so painless and have worked with me on any issue I have had (which have been few and far between). Overall a wonderful company with amazing employees. I would and have recommended this organization to family and friends. Love doing business here!”

- Emily B.

“I find it easy to do business with Southeast Financial, especially online bill paying and money transfers. Thank you for your good service.”

- Linda A.

branch spotlightJackson, TennesseeOur Jackson team can answer any question regarding the many products and services offered at Southeast Financial. Whether you’re needing a mortgage to purchase a new home or opening a checking account for your first job, they’re there to help.

Stop by today and meet our Jackson team. We look forward to serving you.

Branch Information:104 West University ParkwayJackson, TN 38305731.512.0966

Lobby & Drive-thru HoursMonday - Friday | 8:00 am - 4:30 pm

24-Hour ATM

road, water or mud?Spring is a great time for a new adventure. Whether you hit the road in an RV, make a splash in a new boat, or kick up some mud in an ATV...we have loans that can help you get started. In addition to great rates starting at 5.25% APR for five years we offer:

NO Application FeeNO Prepayment PenaltyNO Model Year RestrictionsNO Mileage RestrictionsNO Rate Bump for Private Sales

Apply online at southeastfinancial.org and start your adventure today.

Disclosure: Rates Effective 05/01/18 *Subject to credit approval. Advertised rates are subject to change without notice and may vary based on applicant creditworthiness and loan term. Minimum loan amount $12,000 for 72 and 84-month terms. Excludes refinance of existing Southeast Financial loans. Other restrictions may apply. Payment Example: At 5.25% APR, 60 monthly payments of $18.99 for each $1,000 borrowed.

make the switch. make $50.We’re so sure you’ll love banking with us, we’re putting money on it! That’s right! It pays to make the switch to checking with Southeast Financial during our Switch promotion, when you can earn $50 for opening your first Southeast Financial checking account.

Just five easy steps:1 Open a qualifying Southeast Financial checking

account2 Register for eStatements3 Set up a recurring monthly direct deposit of $500 or

more4 Make ten (10) debit card purchases5 Complete and submit the Switch form on our website

It pays to tell a friend about Southeast Financial!With our referral program, you can earn $25 when your friend opens a qualifying checking account. It’s easy! Just invite friends and family members to open their account, then register each referral using the Tell-a-Friend form on our website. If the person you register opens a new checking account and completes the steps to qualify, we’ll deposit $25 into your account!

Visit us online at southeastfinancial.org to learn more about how you can make the switch.

It’s time to do a little spring cleaning and update your passwords What words or phrases will you choose to keep your accounts secure? SplashData looked at over 5 million of them to come up with the top 25 worst passwords of 2018:

Did your password make the list? Use these simple tips to make it more secure:

• Use passwords or phrases with at least 12 characters• Use a combination of upper and lowercase letters,

numbers, and symbols

• Avoid words found in the dictionary or based on current pop culture trends like “starwars”

• Choose a different password for every site

Once you’ve chosen a new password or phrase, use a free password strength checker to make sure it’s strong and secure. Some sites will even calculate how long it would take for hackers to crack your passwords. Concerned about forgetting your passwords? Visit a tech site like CNET.com and search for “best password managers.” You’ll find multiple options that make it easy for you to access your passwords while keeping them safe from hackers.

worst passwords of 2018

123456password1234567891234567812345

1111111234567sunshineqwertyiloveyou

princessadminwelcome666666abc123

football123123monkey654321!@#$%^&*

charlieaa123456donaldpassword1qwerty123

Promotion Details: Promotion period begins at 12:01 am on March 4, 2019 and ends at 11:59 pm on May 31, 2019. Limit one $50 bonus per member. $50 bonus will be deposited into qualifying check-ing account within 60 days of promotion period end date. Offer is subject to change or termination without notice. Bonus will be reported as dividends earned on IRS Form 1099-INT. Bonus recipient is responsible for any applicable taxes.Eligibility Information: Offer is valid for new, initial, personal checking accounts only. Members with existing Southeast Financial checking accounts are not eligible for this promotion but may earn incen-tives through the Tell-A-Friend referral program. Visit the Tell-A-Friend promotion page at southeastfinancial.org for complete details. Members who have closed a Southeast Financial checking account within three months of promotion start date are not eligible for the Switch and Tell-A-Friend promotions.All requirements must be met, and form submitted within 60 days of account opening to be eligible. Submissions will be verified by the Credit Union to confirm that qualifications have been met. Account must be open and in good standing at the time bonus is credited.Qualifying direct deposits are defined as Automated Clearing House (ACH) credits, which may include payroll, pension, or government payments (such as Social Security) by your employer or an outside agency. Transfers from one account to another or deposits made at a branch or ATM do not qualify. At least one qualifying direct deposit must be received within 60 days of form submission. Registration for eStatements must be completed by the member in Online Banking. Debit card purchases must be made in ten separate transactions in order to qualify. ATM transactions and other in-person cash withdrawals are not eligible.Account Information: All accounts are subject to approval. No minimum balance or minimum opening deposit is required. Current Annual Percentage Yield (APY) effective 11/1/2012: Student Checking 0.00% APY, Rewards Checking 0.00% APY, Interest Checking 0.05% APY. APYs are variable and subject to change without notice after the account is opened. Fees may reduce the earnings on an ac-count. Refer to the Schedule of Products and Fees for details.

NMLS# 403243 | Federally insured by NCUA

Please join us in welcoming our two newest business partners, Global Beauty and Barber Institute and GS&F. It’s always an exciting time at the credit union when new companies and their employees become a part of the Southeast Financial family. For over 80 years, members have counted on us for quality products, competitive rates, and exceptional service, and we can’t wait to show our newest members why we’re the best choice in banking!

Do you know of a company that might be interested in offering credit union membership as an added benefit to their employees? Contact Jazmine Taylor, Business Development Specialist, at jtaylor@southeastfinancial.org or by calling 615.465.5462, and ask about our Preferred Business Partner program.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. Representatives are not tax advisors or Social Security experts. For information regarding your specific tax situation, please consult a tax professional. To discuss your specific SSA benefits questions, please contact the SSA office in your area. FR-2477731.1-0319-0421

As you near retirement, one of the biggest financial decisions you’ll need to make is when to begin receiving your Social Security. Social Security retirement benefits are a big part of most Americans’ retirement planning. Make sure you know how Social Security works, how benefits are determined, and what to expect in the future.

In this seminar on Social Security Retirement Benefits, we’ll answer the following questions:

• What’s your full retirement age?• How are your benefits determined?• Will retiring early or later affect my benefit?• Can my spouse and I retire at the same time?• Will I need to continue to work after I retire?

Presentation includes a complimentary workbook that contains key information, worksheets, and questions to help you remember important points from the seminar.

Some materials provided by Broadridge Investor Communications Solutions, INC. ©2019.

Ken Coulthard, CFP®

Leigh H. Glover, CRPC®

David Harlan

social security seminarmake plans for your future lifestyle.

Tuesday, June 11 | 12-1pmBriley South BranchNashville, TNTuesday, June 18 | 6-8pmAmerigo Italian RestaurantNashville, TNThursday, June 20 | 12-1pmBowling Green BranchBowling Green, KYMonday, June 24 | 6-8pmLaQuinta InnGoodlettsville, TN

Wednesday, June 26 | 12-1pmJackson BranchJackson, TNThursday, June 27 | 12-1pm Germantown BranchGermantown, TNCan’t make it to an onsite seminar?Register for our webinar and attend from anywhere! Tuesday, June 11 | 12-1pm (CST)

welcome to the family! global beauty and barber institute / GS&F