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Second Federal Savings Growing with our community since 1882


Second Federal Savings

About Us

About us.....................................3 Savings.........................................4 Certificates................................5 Checking/Money Markets.......6 Mortgages...................................7 Electronic Banking....................8 Special Services.........................9

Helping people to become homeowners.. When family owns its own home, there is more of a commitment to participating in schools, churches, com-

Retirement Plans......................10

munity organizations and local businesses. Lending to our community helps families and local businesses to thrive. At Second Federal, we’ll do our best to support your goals.

Privacy Policy.............................11 Contact Us.................................12

Our long history serving the community.. Second Federal has served the financial needs of our local communities for the past 125 years. We continue to serve this our communities and others throughout Chicago land.

Friendly Bi-lingual staff.. The majority of Second Federal’s staff is bilingual.You will receive personal customer service and have access to a lot of products and loan programs. Many people have trusted Second Federal with their banking needs for decades, taking advantage of some of our free and low-cost services. Come in and talk to us today; we’ll take the time to help you.

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Savings Are you saving for a special purchase? Or investing for the future? We have many offers of savings products to help you achieve your goals. Whether you are teaching your kids to save or want to take advantage of higher rates, we have the right products for you.

Passbook Savings

Young Investors Passbook Savings

With a passbook savings account, record all of your activity into your passbook!

Watching a savings account grow is fun for kids, and it’s also a great way to teach them how to save money.

• $100 minimum to open • No monthly service charge if balance remains above $1,000.00, otherwise $5.00 monthly fee • Unlimited in person deposits and withdrawals (based on availability of funds) • No fee for transactions to your account Golden Passbook Savings Earn higher rates without committing to a term investment. • $1,000.00 minimum to open • No monthly service charge if balance remains above $1,000, otherwise $10.00 monthly service charge • Unlimited in person deposits and withdrawals • No fee for transactions to your account

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• $10.00 minimum to open • No monthly service fee or minimum balance required • No fee for transactions

Certificates Saving for a special purchase? Investing for the future? Do more to reach your savings goals with higher-earning, insured certificates of deposit with Second Federal Savings. With balances over $10,000, monthly or quarterly interest checks or transfers to eligible Second Federal accounts are available.

Passbook Savings

• Access to inquire on account via electronic banking savings account, With a passbook

record all of your activity into your passbook!

• Insured up to $250,000 by FDIC

Young Investors Passbook Savings

Watching a savings - $100 minimum to open account grow is fun - No monthly service charge if balance refor kids, and it’s also mains above a great way to teach $1,000.00, otherwise $5.00 monthly fee them how to save Longer-Term Certificates . . Short-Term Certificates: - Unlimited in person deposits and withdrawmoney. als (based For longer-term investors, Second Federal offers: For short-term investors,-Second offers: on availability of funds) $10.00Federal minimum to open No fee for transactions to your account No monthly service fee • 15 Month Certificate: Minimum opening balance $500.00 or minimum • 3 Month Certificate: Minimum openingbalance balance $500.00 required • 18 Month Certificate: Minimum opening balance $500.00 • All terms are available for deposit of retirement funds also

Golden Passbook Sav• 6 Month Certificate: Minimum opening balance $500.00 - No fee for transactions Unlimited in person deposits • 30 Month Certificate: Minimumings opening balance $500.00 • 7 Month Certificate: Minimum opening balance $500.00 and withdrawals Depending on ownership • 36 Month Certificate: MinimumEarn opening balancerates $500.00 higher without commit• 9 Month Certificate: Minimum opening selected, either balance the child$500.00 or ting to a term investment. guardian controls funds • 48 Month Certificate: Minimum opening balance $500.00 • 10 Month Certificate: Minimum opening balance $500.00

- $1,000.00 minimum to open - No monthly service charge •if12 balance MonthreCertificate: Minimum opening balance $500.00 mains above $1,000, otherwise $10.00 monthly service charge - Unlimited in person deposits and withdrawals (based on availability of funds) - No fee for transactions to your account

• 60 Month Certificate; Minimum opening balance $500.00

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Mortgages

Checking & Money Markets All checking accounts include: • Free elecronic banking • First order of checks at no charge for personal accounts • Monthly statements with check images • Free ATM and/or MasterCard debit card • Free access to all Second Federal – owned ATMs • 3 free ATM transactions per month at non-proprietary ATMs

Second Federal Savings and Loan has offered home mortgage loans to the community for more than 127 years. The Institution strives to meet the credit needs of the families that live in the community. Second Federal has a long history of providing home mortgage loans throughout our Chicago Metropolitan Area.

Personal Checking • $50 minimum to open • No monthly minimum balance or service charge • Unlimited check writing

Ultra Money Market

• Limited check writing and electronic activity

We do our best to make the home buying process very easy so visit us today and let us help you down the road to your dream home.Your home buying experience at Second Federal will be effortless and we have a number of different types of loans to meet any of your needs.

• Higher interest for higher balances

Fixed Rate Loans:

• $2500 minimum to open • No monthly service charge

Business Checking •

$100 minimum to open

• Unlimited check writing

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Sole Ownership/Not for Profit Accounts

• 15 Year Fixed Rate Loan: Loan-to-value up to 90%*

• $500 minimum to open

• 20 Year Fixed Rate Loan: Loan-to-value up to 90%*

• No monthly service chargecoUnlimited check writing

• 30 Year Fixed Rate Loan: Loan-to-value up to 90%*

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Electronic Banking

Tired of trying to fit everything into your schedule? Take a look at the many features of electronic banking that we have to offer:

Special Services Money Orders

Tele-Banking – Inquiries and Funds Transfers!

Need to pay a bill? Mail a payment? Money Orders are widely accepted and available at all locations: $.50 per Money Order (FREE Money Orders for Customers with account balances over $25,000.00.) Maximum money order issue amount: $1,000.00

24-hour access to your account information and the ability to transfer funds between Second Federal accounts.

Utility Bill Payments

Checking and savings account balances

Mortgages and lines of credit balances

Certificates of deposit balances

Retirement account information

Transfer funds between statement savings and checking, and even make loan payments! ATM Services – Look for access to thousands more ATM terminals! Have 24 hour a day access to your statement savings, checking, or money market funds by using a Second Federal ATM or Debit card. And, use a Second Federal ATM to avoid any surcharge fees or ATM activity charges!

• Commonwealth Edison (ComEd) • People’s Energy • AT&T • Cingular • Comcast • NICOR

City of Chicago Vehicle Stickers - Seasonal State of Illinois License Plate Renewal Stickers Is your license plate sticker about to expire? Don’t have time to visit the Secretary of State? Stop by one of the following locations to receive your renewal sticker on the spot.

Electronic Bill Payment - Sign up through your internet banking account to begin paying your bills through our automated bill payment system. You can set up to pay a bill at a time, pay recurring bills, and receive electronic bills. All you need to have is a checking or NOW account with Second Federal. Internet Banking - Access your account information from the convenience of your personal computer 24 hours a day.

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Retirement Plans Traditional Spousal IRA • Eligible to deposit to a maximum of $4,000.00 • Contributions are “pre-tax” dollars. • Contribution may be tax deductible Roth IRA • A non-working spouse or a spouse with minimum income may have an IRA and can deposit to a maximum of $4,000.00 per year to an IRA

Health Savings Account – HSA • Allows an individual (grantor) to make an annual contribution to a maximum of $2,000.00 for a child’s education. • Deposits are tax deductible to the grantor. Qualified expenses include tuition and fees, cost of books, supplies and equipment, cost of room and board and cost of uniforms. • Funds can be released to the ‘child’ at age 18.

Roth Spousal IRA • An individual can deposit to a maximum of $4,000.00 Contributions are “after-tax” dollars. • There is no tax deduction, earnings are tax deferred. • There is no mandatory distribution age or minimum distribution amount

An HSA is an account established to pay medical expenses in conjunction with a health plan. • Individuals and employers are eligible to open HSAs. • Deposits are tax deductible. • Distributions must be made for qualified medical reasons; funds not used for Medical reasons remain in the account.

Coverdell Education Savings Account • A non-working spouse or a spouse with minimum income can deposit to a maximum of $4,000.00 per year to a Roth IRA • Contributions are “after-tax” dollars. • While there is no tax deduction, earnings are tax deferred. • There is no mandatory distribution age or minimum distribution amount • A self-employed individual, a partnership, a sole proprietor or practitioner may also be eligible to open a SEP.Eligibility requirements and contribution amounts are determined by the employer.

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Privacy Policy Every financial institution collects, retains, and uses information about its customers in order to conduct its business, advise customers of its products and services and provide customer service. At Second Federal Savings, we value the trust that our customers have placed in us and regard the protection of their personal information and privacy as one of our highest priorities. This information is designed to help you understand our privacy policy and practices and to demonstrate how committed we are to protecting your information.

What information do we collect ? • Name, Adress, Social Security and Financial Information • Information we receive from you to complete a transaction • Information we receive through your transactions • Information we receive through third-party companies

How is this informations protected by us? We protect this information by maintaining physical, electronic, and procedural safeguards that meet or exceed applicable law. We limit access to your nonpublic personal information to those employees who need to know that information to provide products or services to help you meet your financial needs. We also train our employees in the proper handling of personal information.

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Contact Information: Second Federal Savings 4281 S. Archer Avenue Chicago, IL 60632 Phone: (773) 247-2220 Fax: (773) 247-0009 secondfederal.com

Images courtesy of Getty Images and second federal.com

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