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Wheel Deal Auto Loan Special
April 1 - May 16, 2008

Everyone's a Winner!

Finance or Refinance* a New or Used Vehicle
&
SPIN THE WHEEL TO WIN CASH!

Mininmum Loan Amount = $8,000
Minimum Term = 48 months

Once the loan is approved and processed you get to Spin the Wheel to win either $50, $75 or $100 CASH!

*Offer does not apply to loans currently financed at UGEFCU. Rates as low as 5.40% APR (Annual Percentage Rate) as of 4/8/08. Loan rates subject to change without notice. Actual APR may be higher based upon credit history and selected terms. Loan must be in effect for a 12 month period, or cash prize must be forfeited.

Kids - save now for the National Youth Saving Challenge! If you're under 18, just deposit your savings during Youth Week and you'll be part of the National Youth Saving Challenge. Ten young savers from credit unions nationwide will each win $100.
Also enter to win daily giveaways!

National Credit Union Youth Week Is April 20-26, 2008
Grade: F

That's the average report card 12th graders earned for financial literacy in 2006. For about a decade, the Jump$tart Coalition® has been surveying high-school seniors about personal finance.

What our youth don't know is shocking. For example, only 23% understand that interest/dividends on savings accounts may be taxable. Only 40% realize they could lose their health insurance if their parents become unemployed.

Achieving economic prosperity is difficult. It's especially hard for young people who've never learned how to manage money. Your credit union is ideally positioned to respond because we believe in the power of education. We're here to help you launch the youth in your life toward financial independence.

Join. As a start, open a savings account for each child in your family at the credit union. As soon as your children can write, have them fill out deposit and withdrawal slips. Guide teenagers through using a debit card and balancing a checkbook.

Share. Include your children in your household finance discussions. Show them how you budget income and expenses. As their skills improve, give them challenges—such as finding a better cell-phone plan, calculating the total monthly cost of owning a car, or sticking to a budget with back-to-school or holiday spending.

Coach. Remind your children to ask for help when they need it. And turn to your credit union when you want help. Our tradition of service and philosophy of self-help make Utica Gas & Electric FCU and all credit unions a natural partner in pursuing financial security.

Join us this year as we celebrate National Credit Union Youth Week from April 20-26. Our theme for 2008 is "Got Green? Grow It at Your Credit Union."