SPC Credit Union

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2nd Quarter 2009


The Magic of Saving
National Credit Union Youth Week - April 19-25, 2009
Big plans are underway for this year’s National Credit Union Youth Week. SPC has planned fun events and chances to win big prizes throughout the week in an effort to help its youth discover the Magic of Saving. Youth week is a great time to help students begin building a brighter future by learning about SPC’s Kids Club and Student Account memberships, too. All youth ages 6 to17 are encouraged to take part in this weeklong celebration.
Youth Week 2009 Scheduled Events:
Vacation Giveaway - Kids Club members ages 6-12 depositing more than $25 will be entered in a drawing to win a weekend getaway to Myrtle Beach with spending cash and tickets for 4 to MagiQuest! 
Get FREE Stuff - Kids Club members (ages 6-12) will receive a coin saver and magic key chain with deposits of any amount made during Youth Week*.
“The Magic of Music” VIP Pass - Student Account members (ages 13-17) will receive a FREE VIP pass to The Magic of Music Concert with deposits of $5.00 or more. (See The Magic of Music article for more details.)
Nationwide Credit Union Saving Challenge – All SPC Youth members (ages 6-17) who make deposits during youth week will automatically be entered for a chance to win a $100 prize from the Credit Union National Association (CUNA).          * while supplies last
SPC Annual Meeting - Thurs.,March 26, 2009
SPC cordially invites you to celebrate the 100 year anniversary of credit unions as a driving force in United States consumer finance at its 2009 Annual Meeting. The SPC Annual Meeting and 100 year celebration will be on Thursday, March 26, at First Presbyterian Church in Hartsville. We will begin with refreshments at 6 p.m., followed by the annual report at 6:30 pm. Hope to see you there!
The Magic of Music Concert Event
Saturday, April 25, 2009
So, what exactly is The Magic of Music, you ask? It is a performing arts concert showcasing young, local talent and hands-on magic by Chuck Miller on Saturday, April 25 from 7 pm to 9pm at Byerly Park. SPC invites students and young adults ages 13 to 25 who live, work, or attend school in Darlington, Florence, or Marlboro Counties to apply to perform at The Magic of Music Concert by filling out an application and submitting a video recording of their group presentation. Chosen performers will be featured in an SPC Promotional Video, receive custom T-shirts and VIP passes to the event. SPC also invites local youth groups to participate as vendors during the show. Complete details can be found on our website at www.spccu.org. Space is limited, so apply soon!
SPC Bill Pay
No Stamps... No Worries... It’s FREE!*
Fed up with the rising cost of stamps? Then you’ll love SPC online Bill Pay! This free service* allows you to pay ALL your bills without stamps or envelopes. Set up recurring, occasional, or one-time payments with ease from the comfort of your home. SPC Bill Pay will send secure electronic or paper check payments to businesses large and small, or even to friends and family absolutely free*. There’s never been a better time to enroll in SPC Bill Pay, and for a limited time, SPC may pay a bill for you!  For more details, visit our website at www.spccu.org!
*Bill Pay subscribers must remain active by paying at least one bill per 60 days using SPC Bill Pay in order to avoid a $5.95 per month maintenance fee.
SPC has membership clubs for young people of all ages!
Wee Savers Accounts
for ages 0 to 2
Dinomites Accounts
for ages 3 to 5
Savasaurus Club Accounts
for ages 6 to 12
Student Accounts
for ages 13 to 17
College & Career Accounts
for ages 18 to 25
Visit spccu.org for more information on these services.
Savasaurus Kids Club members, ages 6-12, can bring their report card into any branch location in Hartsville, Darlington, Florence or Bennettsville to trade in their A’s for cash! From Friday, May 29, 2009 through Friday, June 12, 2009, SPC will deposit $2.00 into your Savasaurus account* for each year-end cumulative A. That could really add up! Don’t forget that SPC membership is open to anyone who lives, works, or attends school in Darlington, Florence or Marlboro Counties, so pass the word. At SPC, it pays to be a good student.
*Maximum credit is $10.00 per individual member. “A” is defined as a year-end grade of 93 or above.
SPC Partners with Junior Achievement
SPC volunteers can be found in the classroom this spring teaching students at both The Darlington County Institute of Technology (DCIT) and Carolina Elementary School in Hartsville. Kendra Braddock, Brenda Whitley, Linda Weatherford, Melissa Johnson and Angela Harrison are teaching more than 300 students about work readiness, entrepreneurship and financial literacy through Junior Achievement and the NEFE program. These programs help prepare young people for the future by showing them how to produce and effectively manage income, create jobs which make their communities more robust, and to apply entrepreneurial and ethical thinking in the workplace. Students put these lessons into action and learn the value of contributing to their communities.
Money Saving Survival Tips
In a time of economic uncertainty, SPC is here to help. SPC would like to remind members to take advantage of FREE services like ACCEL Financial Counseling and BudgetSmart downloadable budgeting software. We’d also like to share some tips to help you persevere in these tough times.     
• Avoid high interest, high fee loans from Pay Day Lenders and Title Loan companies.
• Use online Bill Pay.  
• Adjust your W-4 to increase your weekly paycheck. Looking forward to a check at the end of the year? Have SPC deduct and deposit the amount you choose to an interest-bearing savings account and get back even more.
• Scale back on services (cable, phone, internet).
• Consolidate debt into one manageable payment.
• Raise insurance deductibles and lower liability coverage.
• Maximize your coupon benefits by using online programs like thegrocerygame.com and couponmom.com.
• Drink tap water.
• Buy generic. Not only are generic medicines mandated to be chemically equivalent to brands, they are often manufactured by the very same company!
• Use a clothes line.  
• Figure out how to do things yourself.  
• Rediscover the local library.
American Cancer Society
Relay for Life Event - April 24-25, 2009
Whether you are 1 in 3 people who will be diagnosed in your lifetime, or know someone that has battled the illness; most of us are affected by cancer. Please join SPC at the 2009 Darlington County Relay For Life event to celebrate the lives of those who have battled cancer, remember loved ones lost to the disease, and fight back to put an end to cancer once and for all.
You can help in the fight against cancer by:
• Donating extra change from deposits made at SPC
• Purchasing $10 luminaries to place around the Relay track in honor or memory of loved ones
• Purchasing $100 business signs to be displayed at the event
Call an SPC representative at 843-383-0090 to join our team, or to make a purchase or donation.
SPC recognizes its own Chandra Brown, Senior Member Service Representative, as this quarter’s “Hometown Hero”. Chandra’s manager Jenny Morrell says, “Chandra is a valued employee who often goes above and beyond the call of duty when assisting members and probably doesn’t recognize it as anything but ordinary. Chandra exemplifies true Hometown Spirit”. Chandra’s acts of kindness were recently pointed out to management by DeNeen Gilbert, an SPC Credit Union member. DeNeen reports that on Thursday, February 12, she was left feeling invaded and empty after having been robbed, but Chandra’s patience and reassurance was a silver lining to the unfortunate incident. Chandra truly is an asset to our credit union and community. Way to go, Chandra! 
If you know an SPC member that shows their “Hometown Spirit”, nominate them for the Hometown Hero spotlight by e-mailing Linda Weatherford at lhweatherford@spccu.org.

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