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  Clock ticking on 2009 IRA tax savingsUnsecured Holiday Loan
82nd Annual Meeting Time to refinance?Demand for small business loans is up
 
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The clock is ticking on
2009 IRA tax savings.


You have until April 15, 2010, to open and contribute to an individual retirement account (IRA) for the 2009 tax year. IRAs are a smart way to save for retirement on a tax-favored basis.

Good (Roth) news for 2010. Prior to 2010, taxpayers with modified adjusted gross incomes above $100,000 and married taxpayers filing separately could not convert from a traditional to a Roth IRA. Effective January 1, 2010, anyone can convert to a Roth IRA.
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Winter can be tricky.
Paying off your holiday bills doesn't have to be.

82nd Annual Meeting and
Board of Directors Election

Pay off holiday bills with an Endura Unsecured Holiday Loan.
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  All members are invited to attend EFFCU's 82nd
Annual Meeting on April 6, 2010.
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Time to refinance?
Demand for small business
loans is up.

If you bought your home at yesterday's higher mortgage rates or have a high-rate second mortgage, refinancing might be a smart option.
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  Demand in 2009 for small business loans at credit unions increased 6%, compared to commercial banks.
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Fun facts!
FACT #1
Ticket prices to the 2010 Winter Olympics opening ceremonies will cost $150-$1,100 (Canadian).*
 
FACT #2
Approximately 2,500 athletes will compete in the 2010 Winter Games in Vancouver.*
* Source: www.vancouver2010.com
This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Images may be from one or more of these sources: ©Jupiterimages, ©Getty Images, ©iStock, ©Fotolia. ©2010 Endura Financial Federal Credit Union.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the National Credit Union Administration, a U.S. Government Agency.
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