INTRODUCING…Accel SFCU is pleased to announce the newest member benefit... Accel Members Financial Counseling.   As a valued member of SFCU, we are committed to serving you.  And as a benefit of your membership, we are providing you with free access to financial education and counseling services.   SFCU has teamed up with Accel, a financial counseling program.  Through comprehensive education and exceptional service, this organization has been assisting individuals for more than 44 years. Through our partnership with Accel, you will enjoy unlimited access to financial counselors without paying – it’s free!   As a member of SFCU, you can receive assistance with: Personal and family budgeting Understanding your personal credit report & how to improve your score Personal money management Debt repayment Avoiding bankruptcy, foreclosure, and repossession Accel can give personalized answers to your individual needs. For issues  ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away.   Accel counselors are available Monday through Thursday 8 a.m. to 10 p.m. EST, Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 1 p.m.  To use this new service, simply call 1-877-33ACCEL (332-2235) or visit them on the web at www.accelservices.org SAVE ON LOANS WITH DIRECT DEPOSIT Direct Deposit saves you more than time. It also saves you interest on your loans.  By signing up for Direct Deposit and paying your loan via payroll deduction, you can lower your interest rate an additional 1/2% on vehicle, personal and fixed home equity loans. Simply ask a representative for details. IRA BENEFICIARIES Have you updated your IRA Beneficiary recently? Situations change from time to time and you may want to change the beneficiary on your IRA.  Simply contact the call center or stop in at any of our branches for the appropriate documentation.