Message from
the President
Vincent Rojas, Jr.,
President/CEO
The summer heat tests our patience in
August 2005
many ways. With computers in almost every
household, and e-mail as an instant communi-
cations tool, we see another test of our
patience. Today, “phishing” not only tests
our patience, but also attempts to trick us
into disclosing non-public personal financial New and Improved!
information about ourselves.
The term phishing refers to fraudulent
attempts to gain access to consumers’ non-
public personal information through the use
On-Line Banking
of unsolicited e-mails intended to direct
consumers to a web site “spoofed” to appear
like a legitimate web site. Kern Schools
Federal Credit Union would never send you
an e-mail requesting confidential information. It’s never been easier or more convenient
Recently, our Credit Union was the target of to use DataNet. Our most recent enhance-
Enrolling in and Using
the phishing scam. Someone sent e-mails ments to DataNet are designed to help
DataNet is Easy!
to consumers requesting confidential members better manage accounts and to Who knew banking could be so simple!
simplify the “e-Branch” experience. Some Enroll by completing the application
information from a web site that attemped to
of the newest features to DataNet include: online at www.ksfcu.org, visit the left
look like Kern Schools Federal Credit Union’s
• Password Hint sidebar and under DataNet, click on
web site. ENROLL and complete the form on-
Establish a “Security Question” to help
access your Personal Identification line. You’ll receive a response from
Approximately 1 in 5 Americans were the
Number (PIN) in the event it is forgotten. the Credit Union within 24 hours. You
target of phishing attacks this past year. may also drop by any one of our many
• E-Alerts
Members, as well as all consumers, should convenient branch offices to enroll in
Receive e-mails regarding transaction
be aware that you: (1) never provide your confirmation, payee relationships, person.
personal information in response to an scheduled payments, and payment DataNet and Bill Pay are completely
unsolicited e-mail request; (2) never provide history. FREE to use and soon you’ll be paying
your password, or personal identification • Quicken your bills online, checking your account
number (PIN), over the phone or in response Use Quicken 2005 and “OFX” filing balances, transferring funds between
to an unsolicited internet request; and (3), system when exporting account accounts, as well as viewing, printing,
most importantly, do review your account
information directly from your home and downloading account histories. You
or office. can access your accounts 24 hours a
statements regularly to ensure all charges
• Personalize Account Names day.
are correct.
Personalize each Credit Union sub-
Find these and other helpful services
account with a “nickname” for easier
This information is provided to you for on DataNet:
money management and transaction
educational purposes. In fighting these • Electronic Bill Payment
reference. • Apply for Mortgage Loans
criminals (who use this information for identity
• Bill Pay Hints • Interactive Calculators
theft), it takes all of us working together. The A “Help” option is available located on • Order Checks
Credit Union’s goal is to protect our members’ the top of the menu bar, designed to
personal financial information. This requires help in all aspects of using DataNet. For more information call:
patience and persistence. Enjoy the (661) 833-7900.
remaining days of summer, and remember,
that the Credit Union is here for you.
FEDERAL CREDIT UNION
“Together, we have something special”
SM
New Branch
Manager
Robert Salazar was appointed Branch
Manager for Kern Schools Federal Credit
Union’s East Hills Office. Robert started
with Kern Schools December of 1996
as a part time teller and then became a
Financial Services Officer. Prior to
Robert’s arrival, he was a full time college
student and managed a local restaurant.
He graduated from California State
University, Bakersfield with a Bachelors
of Science in Business Administration with
a concentration in Marketing, and
graduated from Rex Johnson’s University
of Lending. Robert has experience in all
Your Home
areas of banking, lending and insurance.
Loan Source
Your mortgage needs are as individual as you are. Come to a local lender who
knows some of you are looking for longer terms, some for loans on investment
property and some of you are looking for zero down or have less than perfect
credit. We have a loan for you.
Home Loans Features:
• 10 year • 15 year Low Rates
East Hills Branch • 20 year • 30 year Quick, Local Decision Making
2671 B Oswell St. • 40 year
• Adjustable Rates Fixed from Apply On-Line, In Person or By
3-7 Years Phone Today!
OFFICE HOURS • Borrow up to $1,000,000
• Residence, Vacation and Rental
Monday - Thursday Property Loans
9:00am - 5:00pm • Zero Down Available FEDERAL CREDIT UNION
“Together, we have something special”
Friday
SM
Home Equity Loans and Lines
10:00am - 6:00pm of Credit Home Loan Center
Saturday • Borrow up to 100% of the 1415 McDonald Way
9:00am - 1:00pm Equity in your Home 833-7926 • (800) 221-3311
• No Fees* www.ksfcu.org
Two Full Service ATMs
available 24 hours
*Offer subject to credit approval. No fees for standard closing costs which include application
fee, drive-by or desktop appraisal, title fees, document fees and flood certification. Property
Insurance may be required.
Representative example: Pay as little as $558.95 P&I monthly payment on a 40 year fixed
mortgage (based on $100,000 purchase price and one point). 6.348% APR.
2
$ $
FINANCIAL FAIR
Saturday, September 17 · 9am-5pm · Double Tree Hotel, 3100 Camino Del Rio Ct.
Includes Breakfast, Lunch, Beverage and Workshops
$15 per Person
Featuring Keynote Speaker, Barry Asmus, PhD
Senior Economist, National Center for Policy Analysis
Dr. Barry Asmus speaks, testifies, writes and world. As the Senior Economist with the
consults on political and business issues National Center for Policy Analysis, Dr.
facing America. Based on durable free market Asmus does not only speak on policies –
he is also actively involved with their
economic principles, his presentation applies
implementation.
the current issue of the information economy “One of today’s
to help decision-makers formulate informed five most requested
speakers”
and effective choices in a global, e-commerce —USA Today
Workshop Topics Will Include: Limited Seating!
College Planning · Home Buying Purchase Your Tickets
Identity Theft · Investment Strategies
in Advance!
Estate Planning
Investment Strategies for Teachers
& 403 Compare Update Breakfast Speaker, Vincent Rojas Jr.
President, CEO Kern Schools
and Much More! Federal Credit Union (661) 833-7604
Securities offered through CUSO Financial Services, L.P. (CFS) are not NCUA/ NCUSIF insured, not Credit Union guaranteed and may lose value. KSFCU is
in partnership with CFS. Registered Representatives are employees of KSFCU and registered through CFS. (Member NASD/SIPC.)
Reserve my space for the upcoming Financial Fair
Payment Options
Name Check enclosed in the amount of:
($15 per Person) Payable to KSFCU
Address Please deduct payment from my KSFCU
checking or savings account #
City, State, Zip Phone Mail to:
KSFCU Investment and Insurance Services
P.O. Box 9506 · Bakersfield, CA 93389
Names of those attending: Or Visit Online at: www.ksfcu.org
For additional Information, Please Contact
Laurel Hayes, 661.833.7604
3
California Insurance Specialists
has been providing competitively priced
Home and Auto insurance to members of
Kern Schools Federal Credit Union for
over three years. Find out what over
2,500 members have already discovered
and give us a chance to quote your
insurance coverage.
Three Common
We represent over 35 national and
regional carrier groups which gives you
Insurance Mistakes
lower rates because we “shop” the
to Avoid
competition for the best coverage and
price to meet your insurance needs.
Our office is located across the street from
the Ming Branch and our staff of customer
service representatives can provide you
a competitive quote on all of your
insurance needs:
Homeowners
Call today, toll free (888) 831-0247 to discuss
Renters
your insurance needs, or to obtain a free quote
Condo comparison, or visit our website at
Investment Property www.ksfcu.org and click on the insurance
quote link.
Flood
Mobile Home
Auto
California Insurance Specialists
4600 American Ave • Suite 205
Umbrella (Across from Ming Ave. Office)
Boat (661) 397-3944
RV Toll free (888) 831-0247
www.ksfcu.org
Small Watercraft
License No. 0B33273
4
Board of Directors
Mike Kileen Chairperson
Dr. Bill Bruce 1st Vice Chairperson
Jeannine Thompson 2nd Vice Chairperson
Apply for a Visa® Credit Card and You Could Win Joanne Mills Treasurer
$15,000 Towards Your Big Dreams! Bryon Schaefer Secretary
Enjoy the convenience of a Visa® Credit Card or Visa® Check Dr. James Fillbrandt Director
Card and you could WIN $15,000! Just apply for a Visa® Card Dr. Larry Reider Director
and enter the Visa® Think Big sweepstakes for your chance to Mary K. Zwartendyk Director
win $15,000 towards your big dreams, hopes and aspirations.
Marilyn Jones Director
Imagine what you could do with an extra $15,000. Use it towards
fixing up your kitchen. Put it in your children’s college fund. Use Bryon Schaefer Director
it towards a new car. Take a well deserved vacation. Just Dr. Cecil Briscoe Director
remember to think big! For your chance to be a big winner ask Dr. Bill Williams Director
your teller or Financial Services Officers about applying for a
Visa® card and fill out a Visa® Think Big sweepstakes entry.
One lucky winner will be
randomly selected from all
Supervisory Committee
eligible entries received by Carl D. Woody, Jr. Chairperson
the end of the sweepstakes
Jim Sheats Secretary
promotion period.
No purchase or obligation James C. Dunn Member
necessary to enter or win. Dennis Scott Member
You’ll find us on the Web at:
www.ksfcu.org
Branch Locations
Bakersfield
2424 Chester Avenue
6101 Coffee Road
4530 Ming Avenue
3901 Mt. Vernon Avenue
2671 B Oswell St.
5001 Panama Lane
8200 Stockdale Highway, Suite P
Ridgecrest
1621 North Downs Street
Delano
1101 Cecil Avenue
Office Hours
Planning Guide 2005-2006
Monday through Thursday - 9am to 5pm
Friday - 10am to 6pm
Saturday - Delano, Ming, Mt. Vernon, Oswell,
Panama, Ridgecrest, River Run and Town &
Country Offices - 9am to 1pm
Kern Schools Federal Credit Union’s annual planning guides Express Branch:
have arrived! These little pocket calendars are the perfect size Tehachapi - 821 Tucker Road
to be carried in your purse, jacket, or shirt pocket. Originally Monday through Friday 10am to 6pm
designed for use by teachers, the calendars are dated from
August 2005 through September 2006, and are ideal for anyone
to use. Supplies are limited so make sure you visit the closest
KSFCU branch and pick yours up today!
5
Presorted Standard
US POSTAGE
FEDERAL CREDIT UNION
“Together, we have something special”
SM
PAID
BAKERSFIELD, CA
Permit 595
4530 Ming Avenue
Bakersfield, CA 93309
We’ve designed the Yield Plus to give you more flexibility than you’d
expect in a longer term commitment. Want to make additional deposits
during the term of your Certificate without extending the term? We
welcome them. Want your rate to be guaranteed never to go down
during the term – no matter how far rates drop? You got it. Want
more? How about a better rate if rates go up during your term? We
offer you the opportunity to call us, up to four times during your
60 month Certificate to get the higher rate. That’s the kind of flexibility
you deserve from your longer term commitments.
(661) 833-7900 • (800) 221-3311
www.ksfcu.org
*Annual Percentage Yield (APY) assumes that the dividends are credited back to the account
monthly and remain until maturity. Certificates are subject to penalty for early withdrawal. APY
is current as of date of publication. Other terms, rates and bump options are available.
Other ATM Locations Phone Numbers
Auto Mall - 2821 Auto Mall Dr. Memorial Hospital - 34th Street Communication Center (661) 833-7900
Apple Market in Shafter (in the main lobby) Mon. thru Fri., 8am-8pm and Sat., 8am to 4pm
Bakersfield College Bookstore Mercy Hospital - 400 Old River Road
City of Shafter - 341 Central Ave. Rainforest Car Wash - 9301 White Lane Other Areas Nationwide (800) 221-3311
County Fair Market in Lamont Regional Occupational Center Data Voice/Bakersfield (661) 831-5900
Delano Regional Medical Center Rosedale Village Shopping Center Home Loan Center (661) 833-7926
Holiday Inn Select Rosewood Retirement Center VISA® 24-Hours a Day (800) 654-7728
Kern County Airport San Joaquin Community Hospital KSFCU Investment and
Kern County Court House Sequoia Sandwich Shop - Rosedale Hwy. Insurance (661) 833-7730
Kern County Fairgrounds (inside the Main Gate Superintendent of Schools Office California Insurance Specialists (661) 397-3944
and in the Satellite Wagering Building) 1300 17th Street Data Voice/in other areas (800) 248-3336
Kern Medical Center Cafeteria Taft - 1056 W. Kern Street - Taft Hills Plaza
Lake Isabella - Lake Isabella Market Tehachapi Towne Center
The Market Place (in Kiosk)
6