“Trick or Trot” Event Has Significant Impact

Sikorsky Credit Union helps the Milford Beth-El Center raise over $22K

Milford, CT – December 16, 2013 – The Milford Beth-El Center recently raised $22,500 in proceeds from a community event. On the clear and cool morning of Saturday, October 26, Sikorsky Credit Union teamed up with the law firm of Harlow, Adams & Friedman, P.C., and several local businesses to host the 2nd Annual Milford Trick or Trot 5K Run/Walk, with the proceeds benefiting the shelter.


December 2013 Simply Invaluable Newsletter

'Tis the Season for Fraud & Bunko! . . . We offer you sweet mortgage refinancing terms . . . Our Debit Card has a new look! . . . No Car Payments for 3 months! . . . Take a Holiday from Loan Payments! We will be closing at 1:00 pm on Christmas Eve a


Sikorsky Credit Union Donation Benefits Spooner House

Helping those in need during the holiday season.


Sikorsky Credit Union helps Stratford’s BEST, donation benefits classroom program

In these days of tighter budgets and ever-increasing demand for specialized educational services, teachers need all the help they can get. So Sikorsky Credit Union is proud to be able to help by contributing to the Stratford School System’s BEST (Business Education Support Team) Program.


November 2013 Member News & Information

Fresh for the Holidays – No Car payments until 2014! Don’t lose your money to the State! Pay for home improvements with cash out refinancing. ScoreCard® Rewards – another benefit of our VISA Platinum Credit Card. Need a better way to stay on top

Finance the purchase of a new or used vehicle; make no payments for 3 months! Three tips to help you keep YOUR money in your account, rather than the State’s. Discover how quickly we can serve up your kitchen remodel. Earn ScoreCard® points with every purchase you make when you use our VISA Platinum Credit Card. Stay on top of important dates, the answer is in Online Banking. Your child’s college education is in your hands.


Sikorsky Credit Union Sponsors Milford Trick or Trot 5K Run/Walk to benefit the Milford Beth-El Center

This event will take place on Saturday, October 26, 2013. All are welcome to join us. Gather a group of friends or family, dress up in your favorite Halloween costume and enjoy a leisurely walk or invigorating run through the landscapes of Milford.

Sikorsky Credit Union is making the fall season a time for giving by teaming up with several local businesses to host the 2nd Annual Milford Trick or Trot 5K Run/Walk, which benefits the hungry and homeless in the local community. This event takes place on Saturday, October 26, 2013, at Lisman Landing, with registration beginning at 7:30 a.m.


October 2013 Member News & Information

Change is in the air here at Sikorsky Credit Union. Mortgage free retirement. Mobile Banking coming soon! Switch to our VISA Platinum credit card. Milford Trick or Trot 5K Run/Walk. October is financial planning month. Four ways to protect your

It is our promise to deliver the highest service standards that our members value and deserve. Pay off your home before you retire. Soon you will be able to bank anywhere using your mobile phone. Get a low annual percentage rate with our VISA Platinum credit card. Milford Trick or Trot 5K Run/Walk will take place on October 26, save the date. Four easy ways to protect your identity in the mail.


August 2013 Newsletter

Ready to purchase a used car? . . . 3 important steps before you buy. Enjoy your retirement mortgage-free! Online Banking . . . after the upgrade. Text message phishing scam. Scholarship winners announced!


September 2013 Newsletter

Pay your mortgage off sooner. Are you paying too much for your auto loan? Four home-repair and remodeling mistakes to avoid. Six tips to keep students safe from fraud. Our three high school branches give students easy access to their finances. A

Refinance with the Advantage Mortgage—no points, no closing costs, no appraisal fees! Three reasons refinancing your auto loan may be right for you. Avoid costly mistakes when looking for help with home repairs. Keep your personal information safe from fraudulent activity.


July 2013 Member Advantages Newsletter

Enjoy your retirement mortgage free! Online Banking Advantage Upgrade . . . Protecting your identity . . . Traveling with your Sikorsky CU credit or debit card.

Add the Advantage Mortgage to your retirement plan. We are upgrading Online Banking with new bill pay features and enhanced security – what to expect. Four tips to protect your identity. Three simple tips to help you prepare before using your Sikorsky CU credit or debit card on your trip. Savvy saver tip – pay yourself first.


June 2013 Member Advantages Newsletter

Refinance your mortgage and get CASH OUT refinancing . . . the Auto Refi Advantage has super low rates . . . Attention Online Banking users . . . Looking for a good deal on a used car? Fraud alert, has this happened to you?

Get CASH OUT when you refinance your mortgage with the Advantage Mortgage. Lower your car payment with the Auto Refi Advantage. Update your login security information in Online Banking. Get ZERO percent financing when you purchase your next car from a participating auto dealer. Fraud alert, ways you may be getting scammed. Are your spending habits out of control? Become a savvy saver.


May 2013 Member Advantages Newsletter

New President/CEO appointed . . . Sikorsky CU sponsors 5th year of Reality Fairs . . . Learn how you can afford your dream home . . . Get a great motorcycle loan.

The credit union has appointed a new President/CEO, Vincent Ciambriello. As we end our 5th year of sponsoring Reality Fairs, it is still exciting to witness the reaction of students who participate. The 5/1 ARM is just another way you can afford your dream home. Get a great motorcycle loan rate from us and enjoy the open road!


April 2013 Member Advantages Newsletter

The Advantage Mortgage with CASH OUT refinancing . . . Find out how you can get a 0% auto loan . . . It’s motorcycle season . . . April is youth month.

Refinance your mortgage, you may save money, reduce your monthly payments and pay off your mortgage sooner! Buying a car just got more affordable. Enjoy the open road with a great motorcycle loan rate. Get a great deal on a used car from Enterprise and a super low rate from us! National Credit Union Youth Week is April 21-27, visit a branch near you.


March 2013 Member Advantages Newsletter

Give your home a fresh new look . . . Lower your mortgage payments and receive CASH OUT refinancing . . . High school graduates take notice, last change to apply for a scholarship . . . Used auto sales event.

Give your home a fresh new look, find out how to calculate the available equity in your home. The Advantage Mortgage features lower rates, 2-terms, 2-levels, no closing costs and only an application fee. Time is running, if you’re a high school senior planning to further your education in the fall of 2013, apply for our scholarship today! Spring it on with Sikorsky CU and Enterprise for great deals and low rates.


Sikorsky Financial Credit Union Appoints New President and Chief Executive Officer

Stratford, Connecticut (March 28, 2013) - The Board of Directors has announced the appointment of Vincent Ciambriello as the credit union’s new President and Chief Executive Officer, effective immediately.

“Vinny has played an instrumental role over his twenty-six year career at Sikorsky Financial Credit Union and we are pleased to announce his appointment as our next President and Chief Executive Officer,” said William Boian, Chairman of the Board, Sikorsky Financial Credit Union. Mr. Ciambriello served as the executive leader of the Retail Delivery, IT, Marketing and Strategic Planning areas. “It is a privilege and honor to be selected to lead Sikorsky Financial Credit Union. I look forward to continuing our commitment of providing our members with the best financial products,” said Vincent Ciambriello, President and Chief Executive Officer, Sikorsky Credit Union. Ciambriello holds an MBA in Finance and a CCE (Certified Chief Executive) designation from the prestigious CUES Executive Management program.


Merchant Surcharging

Details regarding credit card surcharging and how it will affect you.

VISA has agreed to allow Merchants to add a surcharge (or swipe fee) to credit card purchases. Stipulations include: The surcharge cannot exceed 4%; the merchant must notify customers that a surcharge fee will be applied before a purchase is made; online retailers must disclose surcharges on the checkout screen where the credit card brand first appears; Connecticut is one of ten states who restrict merchants from imposing a surcharge. For further details refer to the Frequently Asked Questions.


February 2013 Member Advantages Newsletter

There’s more to smile about with our Advantage Mortgage . . . Depositing your tax refund . . . TurboTax now available through Online Banking . . . Scholarship Program renamed . . . Manage your checking account to avoid fees . . . mark your calendars.

We offer lower rates and cash out refinancing with the Advantage Mortgage. You can have your tax refund deposited directly into your account. Why spend more than you should to have someone else do your taxes? The Sikorsky CU Scholarship renamed in honor of President/CEO. You may be incurring unnecessary non-sufficient funds and transfer fees. AD&D Insurance premium reminder. 2013 Scholarships available.


Scholarship Program Renamed in Honor of President/CEO

The Sikorsky Credit Union Scholarship program will now be acknowledged as the Thomas J. Williams Scholarship Program in honor of our recently retired President/CEO.

It is because of Tom’s years of leadership, wisdom and dedication to Sikorsky Credit Union that we chose to rename the Scholarship Program in his name. Tom began his career at the credit union on September 5, 1967. In 1982 he was named President/CEO of the credit union. Through Tom's leadership, the credit union has grown to over $670 million in assets and now includes five community branches, three Sikorsky Aircraft accessible branches and three high school kiosk branches. The Thomas J. Williams Scholarship Program vision is to monetarily assist high school seniors who are interested in continuing their education in the profession of their choice and grow to become exemplary leaders of tomorrow. By becoming a member of Sikorsky Credit Union, students have taken the first step towards financial independence through an organization whose mission is “To act in the best interest of our membership.”


Mark your Calendars!

AD&D Insurance Premium Reminder

This serves as a reminder to all credit union members who have purchased AD&D Insurance which we offer through Affinion/Minnesota Mutual. These payments are always debited quarterly from your account on the third business day of January, April, July and October. Please be sure to mark your calendars so you can plan to have the appropriate funds available in your account accordingly.


Manage Your Checking Account to Avoid Fees

You may be incurring unnecessary Non-Sufficient Funds and transfer fees.

Sikorsky CU is required to adhere to Federal Regulation D, which is a federal regulation that limits electronic debits from share savings accounts to 6 transfers or withdrawals per calendar month. The transactions that are limited include: Preauthorized payments to a third party (ACH withdrawals); Internet and Telephone Banking transfers; transfers done by phone with a Member Service Representative; overdraft transfers; and automatic transfers to other SCU share accounts (not including loans). All of SCU share savings accounts are subject to Regulation D transaction limits. Checking and Daily Money Market accounts are not subject to the limits. To properly manage your checking account and avoid fees, keep your checking balance sufficient to cover your check, ACH and debit card activity. If you do not have a SCU Line One, you may want to apply in order to help protect your checking account from negative balances. For more information, contact Member Service at 203-377-2252 option 4


Community Businesses Rally for the Joy of Giving

On December 19, 2012 The Milford Trick or Trot Committee presented a check to the Milford Beth-El Center in the amount of $11,250.00.

Milford Trick or Trot is comprised of representatives from the law firm of Harlow, Adams & Friedman, P.C. and Sikorsky Credit Union. They hosted their 1st Annual Milford Trick or Trot 5K Run/Walk on October 27, 2012 to raise awareness of the issue of homelessness and hunger. The event was a tremendous success, attracting over 300 runners and walkers. Everyone enjoyed a scenic route through the back roads of Milford viewing Milford Harbor and Fort Trumbull Beach. Breakfast was available for all who attended, along with live music provided by The Elwood’s, a local rock n’ blues band. The Milford Beth-El Center is the recognized leader in caring for and meeting the needs of the hungry and homeless and strives to prevent and end homelessness. It serves individuals and families by providing temporary shelter and feeds up to sixty persons daily in the soup kitchen. We want to thank everyone who attended, with your support we were able to raise the necessary funds for those less fo


Thomas J. Williams Scholarship Program

Scholarships available for high school seniors.

Attention high school seniors! Are you planning to further your education after you graduate? Become a member of our credit union and take advantage of an opportunity to receive a $1,000 scholarship! We will award five (5) $1,000 college scholarships. All you have to do to be considered is to fill out an application and write an essay on “What Sikorsky Credit Union Means to Me” (minimum of 100 words). To be eligible to apply, you must be: 1. A high school senior who will graduate in June, 2013. 2. A member of Sikorsky Credit Union prior to March 15, 2013. 3. Plan to attend a university, college or accredited trade, vocational or technical institute as a full-time undergraduate student in the fall of 2013.


January 2013 Member Advantages Newsletter

People are smiling about our low rates. . . Pre approval makes car shopping easy . . . Community businesses rally for the joy of giving . . . Get a better handle on your debt in the New Year . . . New Year Celebration – used auto sales event.

Take advantage of our super low auto loan rates through February 28, 2013. Getting pre approved for an auto loan at the credit union before you shop lets you know exactly what you can afford. Sikorsky CU and the law office of Harlow, Adams & Friedman present a check to the Milford Beth-El Center. Read how you can be in control of your credit card debt. Purchase your next used car from Enterprise--get a great deal from them and a low finance rate from us. Scholarships are available.