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Fatality Free Friday

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Fatality Free Friday

Friday the 26th of May 2017 was "Fatality Free Friday", a campaign hosted by the Australian Road Safety Foundation.

Road safety is a complex issue and it’s impossible to find one single key to reduce road trauma. The Fatality Free Friday campaign has continued to expand its operation and is now recognised as Australia’s only national community based road safety program.

It has successfully fostered community ownership, complex road safety issues and encourages those who can make a significant difference in reducing road trauma. Select Encompass was proud to sign a pledge and add to the overall 178,000 road safety pledges.


"ZERO DEATHS ON AUSTRALIAN ROADS FOR JUST ONE DAY."
To find out more visit: https://www.fatalityfreefriday.com/

 

 

5-star award from Canstar

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5 Star Award from Canstar

We are extremely excited to be presented with Canstar’s, 5-star award for 8 of our products.

Canstar evaluates and analyses products across hundreds of financial institutions, comparing pricing and features to determine what represents good value.

A five star rating represents a high-value product and Canstar would place these in the top 10% of products in their respective field.

 
 
 

The following Select Encompass products have achieved a 5-star Canstar rating:

  • Variable Home Loan – Investor*
  • Line of Credit
  • Fixed Home Loan – Investor*
  • Fixed Home Loan - Owner Occupied
  • Kick Start Saver
  • Deeming Account
  • Transaction Account
  • Visa Credit Card

*Product not currently available

 
 
 

The Rail & Track Association of Australia

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The Rail & Track Association of Australia (RTAA) hosted a two day field event celebrating diversity and inclusion within the rail industry. With over 2,500 local and international participants, more than 100 exhibitors and 40 on-site demonstrations – it was the biggest outdoor rail event in the southern hemisphere as well as being the most diverse. Due to Select Encompass’ close association with the rail & transport industry we have been a member with the RTAA for many years. 

We were incredibly proud to be able to support the event by being an exhibitor. This year we were able to promote the benefits and services of Select Encompass to all rail & transport employees whilst also helping them beat the heat with free ice cream giveaways. It was a very successful event that allowed us to get in touch with our members and the local community. We look forward to meeting everyone again at the next RTAA field day.

   

The switch to online statements competition

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The competition is now closed as of 30/03/17

The winners will be announced on week commencing 03/04/17 by phone or email. 

 

Just a small change can make a big difference. Each year, Select Encompass print millions of sheets of paper on member statements and Newsletters. This is why we are encouraging you to opt-in to online statements via Internet Banking and you will be helping us do our part for the environment. By opting-in for online statements you will have quicker access to your statements in a secure environment available 24/7.

Why Switch?

  • Protect yourself from risk of mail fraud and identity theft 
  • A better way to keep track of your finances
  • Do your bit for the environment
  • Reduce production costs allowing us to give more back to our members
  • Declutter your home and mailbox
  • Get your statements faster, ontime, everytime without having to rely on the post
  • Registration is quick and easy
  • Eliminate the need to store or shred stacks of paper statements

To switch to online Statements via Internet Banking call 1300 13 14 20, email info@secul.com.au or visit any of our local branches today.
Switch to online Statements by 30/03/17 and go into the draw to WIN a Swissotel voucher valued at $300.

For full Terms and Conditions available here. The switch to online statements ends 30 March 2017. NSW Permit No.LTPM/16/01223. 

 
 

Have you seen a superannuation specialist?

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Do you want to increase your super but are not sure how? Your super will most likely form the major part of your savings for retirement, so you want to be sure you’re making the most of it.

With better nutrition and medical advances, people are living longer and the average life expectancy is increasing – a male born in 2015 has an average life expectancy of 91.5 which is projected to increase to 95.1 by 2055, while a female’s life expectancy is projected to increase from 93.6 to 96.6 over the same period1. In living longer, people will need more in retirement savings. Coupled with that, the cost of living continues to increase.

Although the superannuation guarantee (SG) contributions made by your employer on your behalf are increasing gradually from 9.5 per cent to 12 per cent by 2025, these contributions alone may not be enough for your retirement needs. But how much is enough? It really depends on what you want to do in retirement.

Boost your super

There are a number of ways you could increase your super savings. If you have more than one super account, consolidating them into a single account could save on fees and paperwork.

If you are eligible, and make an after tax contribution to your super, you could receive a co-contribution from the Government.

Depending on how you and your spouse’s salary compare, you could also consider making spouse contributions.

A salary sacrifice strategy allows you to ‘sacrifice’ some of your pre-tax salary to super. Not only does this allow you to maximise your concessional contribution limit, it could also reduce the amount of tax you pay.

Financial advice makes a difference

Bridges has been providing professional financial planning services to credit union and building society members since 1985. Bridges financial planners are superannuation specialists; they will consider your situation and help you decide the most appropriate way to build your super savings for the retirement you’re looking forward to.

So why not call 1300 13 14 20 and make an appointment with a Bridges financial planner? The initial consultation is complimentary and obligation-free.

 

1. Intergenerational Report 2015. Commonwealth of Australia. March 2015. Bridges Financial Services Pty Limited (Bridges). ABN 60 003 474 977. ASX Participant. AFSL No 240837. This is general advice only and does not take into account your objectives, financial situation and needs. Before acting on this advice, you should consult a financial planner. In referring members to Bridges, Select Encompass Credit Union Ltd, ABN 43 087 650 011 | Australian Credit Licence / AFSL 238 426 does not accept responsibility for any acts, omissions or advice of Bridges and its authorised representatives.

   

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