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					                                                                                                      WELCOME HOME TO                                                                                        2                                            3                                             4


                                                                                                                  savings
                                                                                                                                                                                                             • STOP SPENDING yOUr mONEy TO                • $mArT STArT CHECkING HAS ArrIVED            • wElCOmE HOmE TO SAVINGS
                                                                                                                                                                                                               GET YOUR MONEY



     information
                                                                                                                                                                                                                                                          • AUTO bUyErS bEwArE




                                                                                                                                                                                                             views&news
                                                                                                                                                                                                             • CrEDIT UNION mEmbErS rECEIVE CASH
                                                                                                                                                                                                               BACK AT OVER 1,200 ONLINE RETAILERS


                                                                         CENTER
HOLIDAY CLOSURES                                                                                                                                                                                                                                                                                                   3 rd QUARTER 2010
                                                                                                  If you have been thinking of purchasing a new home or
New Year’s Day                                    Friday, January 1                               refinancing your existing house, there’s no better time than
Martin Luther King Jr. Day                        Monday, January 18
President’s Day                                   Monday, February 15                             the present. Mortgage rates are at historic lows and we’re
Memorial Day                                      Monday, May 31                                  making it even easier for you to get financed with 30 year
Independence Day                                  Monday, July 5                                  home loan rates as low as 4.25%*. Here’s one more way to
Labor Day                                         Monday, September 6
                                                                                                  help you save, if you submit your residential first mortgage
Columbus Day                                      Monday, October 11
                                                                                                  loan application during the month of September, we will




                                                                                                                                                                                                                                                                                         rs
Veteran’s Day                                     Thursday, November 11




                                                                                                                                                                                                                                                                                   ra cu
Thanksgiving Day                                  Thursday, November 25                           waive the 1% loan origination fee*, saving you thousands




                                                                                                                                                                                                                                                                                      ive
Christmas Day                                     Saturday, December 25                           of dollars on closing costs. Simply apply online 24/7 at


                                                                                                                                                                                                                                                                             ister
                                                                                                                                                                                                                                                                                    el
Moreno Valley Branch: 23540 Cactus Ave.                                                           www.visterracu.org or call one of our knowledgeable

                                                                                                                                                                                                                                                                        v




                                                                                                                                                                                         r I V E r S I D E
Moreno Valley                                                                                     Real Estate specialists at 951.656.HOME (4663) to discuss




                                                                                                                                                                                                                                                                                   d
Stoneridge Branch:                              27130 Eucalyptus Ave.                             which financing option is best for you. Visterra Credit Union,
                                                Suite E
                                                                                                  your home loan expert!
Corona Branch:                                  650 S Lincoln Ave.
                                                Suite 101
                                                                                                  *Payment example: $200,000 mortgage with a rate of 4.25% for 30 years would have
Murrieta Branch:                                25040 Hancock Ave.                                a principal and interest payment of $983.88. Assuming 80% LTV and 740+ FICO score,
Riverside Branch:                                                                                 the resulting APR would be 4.40%. Offer valid on all 1st T.D. home loan applications




                                                                                                                                                                                         •
                                                8543 Indiana Ave.
                                                                                                  submitted between 9/1/10-9/30/10. Rates subject to change, appraisal and other




                                                                                                                                                                                         m U r r I E TA
www.visterracu.org • visterracu@visterracu.org                                                    third party fees still apply.
                                                                                                                                                                                                                  Visterra CU definitely delivers, just ask anyone from riverside’s meals on wheels. Twice a month the
                                                                                                                                                                                                                  employees from your credit union deliver meals to homebound seniors in the Riverside area. Employees
HOURS                                                          Moreno Valley
                                                               Branch only                                                                                                                                        of VCU adopted their route in March 2010 and take turns making the deliveries.
                               Lobbies                         Drive-Up
Mon-Thurs                      9am - 5pm                       8am - 6pm                                                                                                                                          Riverside Meals on Wheels mission is to help seniors and other homebound adults remain independent
Friday                         9am - 6pm                       8am - 7pm                                                                                                                                          in their homes. They deliver one meal per day, Monday through Friday, to elderly adults and persons




                                                                                                                                                                                         •
Saturday                       9am - 2pm                       8am - 2pm                                                                                                                                          with temporary or permanent disabilities, residing within the city limits of Riverside. The lunchtime




                                                                                                                                                                                         CO r O N A
No Real Estate or Call Center on Saturdays.
                                                                                                                                                                                                                  meals are prepared by contracted food providers and delivered by volunteer drivers. Riverside Meals
Telephone Hours: Mon - Friday, 8:30am - 6pm
                 951.656.4411                                                                                                                                                                                     on Wheels receives no funding from local, state, or federal government agencies and depends on
                 800.755.2347 or                                                                                                                                                                                  financial contributions to help cover the cost of the meal program. For more information on riverside
                 888.696.2724                                                                                                                                                                                     Meals on Wheels, please visit their website at www.riversidemealsonwheels.org.
Fax:                               951.656.2119




                                                                                                                                                                                         •
All mail should be addressed to:




                                                                                                                                                                                         VA l l E y
                  Visterra Credit Union
                  P.O. Box 9500
                  Moreno Valley, CA 92552-9500
                                                                                                                                                                                                                  new…                                                 CUAlerts can:
Have you received unsurpassed service from one of our
staff members? If so, we’d greatly appreciate you taking a
moment or two to drop us a line, or email us at visterracu@                                                                                                                                                          CUAlerts                                           • Notify you of account activity via email on your PC, laptop, text
                                                                                                                                                                                                                                                                          enabled cell phones or any other mobile text devices.




                                                                                                                                                                                         m O r E N O
visterracu.org. You may also fax us at 951.697.4505. Be
assured, your comments are shared with the appropriate
staff member and his or her supervisor. Given your okay,
                                                                                                                                                                                                                     These days it’s so easy                               • Notify you of direct deposits, account balances, cleared checks,
whenever possible, we enjoy including such compliments in                                                                                                                                                                                                                     information alerts, and much more.
our quarterly newsletters.                                                                                                                                                                                           to get overwhelmed,
Views & News is published by Visterra Credit Union. The articles and opinions
in this publication are for general information only and not intended to provide specific                                                                                                                            and when we get busy,                                 • Notify you of important dates or bill reminders through member
advice or recommendations for any individual. We suggest you consult your attorney,                                                                                                                                                                                           Defined Alerts.
accountant, financial or tax advisor with regard to your individual situation. The first
$250,000 of deposits are federally insured by the National Credit Union Administration, a                                                                                                                            it’s easy to lose track
U.S. government agency. Special loan promotions not available for refinance or payment
                                                                                                                                                                                                                                                                           • Customize your settings by choosing types and frequency of alerts.
of existing Visterra Credit Union loans, and applicable to qualified borrowers only. All terms,
                                                                                                                                                                                                                     of things. That’s where
rates and yields are subject to change without notice. You agree to abide by all terms and
disclosures, which the Credit Union may send you. Equal Opportunity Lender. The Credit                                www.visterracu.org
Union may provide information about products and services available to members from
other sources. However, it does not warrant, or accept liability for, the actions, products or                                                                                                                       Visterra Credit Union’s new                           • manage your accounts regularly and help prevent fraudulent
services of others. APY = Annual Percentage Yield. APR = Annual Percentage Rate.                                                                                                                                                                                              activity.
                                                                                                                                                                                                                     CUAlerts service comes in.
                                                                                                                                                                                                                     This FREE service keeps you                         It’s important to keep track of your finances and with CUAlerts,
                                                                                                                                                                                                                                                                         it just got a whole lot easier. Sign-up today by simply logging
                                                                                                                                                                                                                     current on your Visterra                            into Online Banking principal and interest the CUAlerts button.
                                                                                                                                                                                                                  *Payment example: $200,000 mortgage with a rate of 4.25% for 30 years would have a and clicking on payment of $983.88. Assuming 80% LTV
                                                                                                                                                                                                                     CU     FICO score, the and APR would
                                                                                                                                                                                                                  and 740+ accounts resulting more! be 4.40%. Offer valid on all applications submitted between 9/1/10-9/30/10. Rates subject to change,
                                                                                                                                                                                                                                                                         Follow the registration process and you’ve got one less worry!
4                                                                                                                                                                                                                 appraisal and other third party fees still apply.
                                                        $MART START
          STOP SPENDING
your money
 to get your                                                          CHECKING HAS ARRIVED
money...                                                 If you are 16-24 years of age and are looking for your first checking
                                                         account, we’ve tailored a checking account specifically for you. This
                                                                                                                                           money and even borrowing
                                                                                                                                           money.
Spending hard-earned cash on yourself is                 FREE checking account not only gets you a Visa debit card on-the-
one thing; forfeiting it to escalating ATM               spot, it also comes with FREE Online Banking, Bill Payer, CUAlerts, and           Our $MART Start Checking
fees is quite another. According to a recent             E-Statements.                                                                     Account* is only $25 to
Bankrate.com survey, ATM fees have                                                                                                         open, and the best part,
reached an all-time high of $4 billion per               Since we’ve tailored this account exclusively for first-time checking             there’s no minimum balance requirements. This account requires
year—that’s a 44 percent increase since                  account users, we don’t want you to get off on the wrong foot. You’ll             E-Statements so make sure you have a valid email address prior to
1999. In fact, consumers who use an ATM at               need to complete three online classes that explain what a checking                opening. Take your first step to becoming financially independent
a bank where they do not have a checking                 account is and how to use it. Of course, there are additional online              and open your $MART Start Checking Account today!
account can expect to pay enough to                      classes you can take to educate yourself on spending money, saving                *Opening this account requires a parent or guardian who is a member in good standing at
finance a café latte at their favorite high-                                                                                               Visterra CU to be joint on the account. $25 minimum opening deposit required.

end coffee house every time they take out
their money.

It’s even possible to pay a surcharge for
not receiving money. At a few banks,
                                                 credit union members
ATM “denial fees” may accrue when you
attempt to withdraw more cash than
your daily limit allows. Translation: You are
                                                             RECEIVE CASH BACK AT OVER 1,200 ONLINE RETAILERS
                                                 Through Shop America, Visterra Credit Union members get great discounts and
                                                 cash back just for shopping at your favorite online stores. With access to more
                                                                                                                                                       AUTO BUYERS
                                                                                                                                                                                              beware
charged for a transaction you could not                                                                                                               The Financial Overhaul Bill recently signed by President Obama was designed to regulate lenders
complete.                                        than 1,200 online retailers, including some of the largest and most popular, you’ll                  and lending practices, however, the Bill neglected to include an important piece, auto dealerships.
                                                 receive major discounts when you shop. And, every time you earn $10 or more in                       The new consumer financial protection agency will not oversee auto dealers and the car loans
We’re here to help. Because Visterra CU          cash back from your purchases, you’ll get a check as a thank you! It’s that simple!                  they give to consumers.
is a member of the CO-OP Network, you
                                                 So whether you’re looking to shop online with Target, Macy’s, Best Buy, Apple or
won’t ever have to pay a surcharge when                                                                                                               Here’s some advice when financing a vehicle directly at the dealership:
                                                 hundreds of other stores, you can save and get paid to shop. Don’t forget to make
withdrawing cash or making deposits
                                                 your Shop America purchases with your Visterra Credit Union credit or debit card.                         • Get pre-approved from Visterra Credit Union before heading to the dealership. Dealerships
at one of the 28,000 CO-OP Network
                                                                                                                                                             can mark up lender quotes as much as 3 percentage points to make a larger profit on the
surcharge-free ATMs nationwide.                  How Shop America’s Credit Union Member Discount Works
                                                                                                                                                             deal. Getting pre-approved is a big advantage, as it shows car sales staff that you’re a
There are now 4 ways to locate a CO-OP           1. Go to www.lovemycreditunion.org to receive your Shop America Credit Union                                serious buyer. It also removes the pressure of negotiating financing contracts at the
Network surcharge-free ATM:                         Member Discount.                                                                                         dealership, and allows you to focus your attention on finding the right vehicle.
    1) Text your location to MYCOOP
                                                 2. you will first be directed to another screen to select your credit union to validate
       (692667) and you’ll receive a text with                                                                                                             • Don’t take the vehicle home until you hear back from the lender that your financing has
       the 5 ATMs nearest you                       your credit union membership. Validating your credit union membership on this
                                                                                                                                                             been approved. If for some reason your loan request from the dealer gets denied, you’ll
    2) Download the CO-OP Network ATM               screen does not obligate you to make any purchases.
                                                                                                                                                             spare yourself the embarrassment of having to return the car.
       database into your GPS device
                                                 3. Once your credit union membership is validated, you will be directed to the
    3) Call 1-888-SITE-COOP
                                                    Shop America website where you can start shopping and earning cash back.                               • Dealer add-ons like extended warranties, paint protection, rust-proofing and VIN window
    4) Visit www.co-opnetwork.org
                                                    Don’t forget to use your Visterra Credit Union credit or debit card!                                     etching are additional ways for the dealerships to make money on you. These items are
Just say NO to surcharges! Use a CO-OP                                                                                                                       high-profit for the dealer and are much lower in price when purchased separately from the
Network surcharge-free ATM for all of your                                                                                                                   dealership or authorized vendor.
withdrawals.
                                                                                                                                                      Don’t get taken to the cleaners when purchasing a new vehicle! Shop around, do your research,
                                                                                                                                                      and get pre-approved at Visterra CU before signing on the dotted line.




2          www.visterracu.org                                                                                                                                                                                                        800.696.2724        3

				
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