Baycel FCU

If you’re 50-plus, you have an IRA advantage!

It’s called a “catch-up” contribution, and it allows you to put an additional $500 in your IRA—but only if you’re 50 or older by the end of the year. So this year, you can contribute a maximum of $3,500 to your traditional or Roth IRA here at Baycel Federal Credit Union.

And that’s just a bit of a teaser! In coming years, individual and catch-up contribution limits are scheduled to increase even more to a maximum of $6,000 in 2008! See the chart below:

A traditional IRA allows your funds to grow tax-deferred, therefore you don’t pay taxes until you take distributions. In a Roth IRA, contributions are made with after-tax dollars, and earnings may be tax-free when you take the money out.

With either IRA, the “catch-up” contributions are an advantage that makes a big difference! To find out more about “catching up” and for answers to any of your IRA questions, call us at (979) 244-3995.

This article is not intended to provide tax advice. Contact a tax professional.

CHOOSE THE DEALER REBATE----AND LEAVE THE FINANCING TO US

Now do better than 0% dealer financing. Simply combine our extremely low rates with typical dealer rebates of $2000, $3000 or more --and save hundreds more on the car of your dreams.

DON'T BE FOOLED BY THE 0% FAIRY TALE

Sure, many dealers say they offer 0% financing options. But when you read the fine print, notice all the limitations:
How that deal's not available on the model you want
That the deal is for a shorter term than you need (Increasing you monthly payment)
There may be a large pre-payment penalty
Or the 0% financing is available to a few buyers with perfect credit

OUR RATES + their rebates = SAVINGS FOR YOU.

Getting an auto loan with BAYCEL FEDERAL CREDIT UNION couldn't be easier. Just visit one of our friendly loan officers and complete an application. You could drive away with your new car that very day! So don't wait. APPLY TODAY! .

E-Checking is here!!!
Away from home and need to pay a bill? Running low on checks? Now you can use a secure web site to write an electronic check! It's fast, simple to use and free to all Baycel members. Please call Baycel to get setup for E-Checking.