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					                                                                                              MARCH • 2009




Four Products to Put a

Spring                             Meet four little known

              in Your Step         SchoolsFirst FCU products
                                   that can help brighten your day.
                                      PAYMENT SHIELD PLUS
                                   In tough economic times, Payment Shield Plus helps protect and preserve your
                                   family’s financial security by canceling your monthly loan payments in the event
                                   of involuntary unemployment, disability or death.1

                                      HOME, AUTO & LIFE INSURANCE
                                   Member Insurance Services offers homeowners, renters, condominium, auto and
                                   umbrella insurance, plus earthquake and flood coverage.2 In addition, the credit
                                   union offers life insurance.3 Our agents provide personal service and work with a
                                   number of top-rated carriers to find the one who will give you the best rate. Get a
                                   free quote today!

                                      BORROW SMART. BUY SMART.
                                   Th is unique auto-buying program by Enterprise offers Members special
                                   pre-negotiated pricing on selected quality used vehicles priced below $16,000.
                                   The program aims to make reliable, affordable transportation available to everyone.

                                      LONG TERM CARE INSURANCE
                                   With affordable premiums and special rates for our Members, Long Term Care
                                   Insurance4 helps cover the costs of in-home care, assisted living facilities and
                                   community programs such as adult-day services. It protects your retirement savings
                                   and eases the financial burden on your family.


                                   Many SchoolsFirst FCU products offer greater benefits than the typical
                                   bank offerings.

                                      Higher dividend multi-tier LIQUID ADVANTAGE MONEY MARKET
  PLANT YOUR SAVINGS &                accounts allow you to park your money for short periods and still earn

     Watch It Grow                    competitive dividends.

                                      FREE CHECKING offers no monthly fee and no minimum balance
  With Products You Already Know
  With                                requirement. ACCESS CHECKING provides unlimited check writing,
                                      minimal to no fees and six free out-of-network ATM withdrawals per
                                      month. INVESTMENT CHECKING offers dividends for Members who
                                      maintain a higher account balance. All three accounts allow free and
                                      unlimited use of more than 25,000 CO-OP Network ATMs nationwide.

                                   To find out more about these products, go to www.SchoolsFirstfcu.org.
2008 TAX FILING
             Info
As you prepare your 2008 taxes,
here are a few tips to help with
your return and procedures for
depositing tax refunds.

You can view your year-to-date dividends
earned and interest paid on loans through
our Online Banking system. Simply log
                                                Workshop
                                                                  TAX Strategies
in to your account and click on the “+”
next to any share or loan and select Year
to Date Information.                            Highlight:

When cashing or depositing a refund
check, all payees named on the front of
                                                L    earn how IRAs and other tax-favorable investment and savings options can help
                                                     you save on taxes at our upcoming Tax Strategies Workshop.5 This complimentary
                                                workshop will cover what you should know when preparing your taxes and planning
the check must endorse the back of the          finances throughout the year.6
check exactly as the names are written,
and must also be signers on the account                                  TAX STRATEGIES WORKSHOP
                                                                          Wednesday, March 11 5:30 - 7 p.m.
                            g p
into which the check is being deposited.                                          Santa Ana Branch

                                                Reg
                                                Register for a complimentary workshop online at www.SchoolsFirstfcu.org >> Tools >>
                                                Fin
                                                Financial Workshops, or call 800.462.8328.




                                                   Open an                  IRA!
                                                W
                                                Acc
                                                       ith Tax Day a month away, it’s a good
                                                       time to invest in an Individual Retirement
                                                Account. IRAs not only help you save for
                                                reti
                                                retirement, but depending on your income and the
                                                IRA you choose, your contributions may also be
For electronic      For deposits into
                                                tax-deductible. This year, you have until April 15
deposits into       your Checking
                                                for contributions to be applied to your 2008 taxes.
your account,       account, use your           Call the credit union or visit our Web site to make
use SchoolsFirst    12-digit Checking           an appointment with a financial advisor.6
FCU’s routing       account number
transit number:     starting with “40” at the
322282001.          bottom of your checks.

For deposits into your Savings                                                 California State Tax
account, use your Member Number.
                                                                               Refund DELAY
Note: All SchoolsFirst FCU Members’
1098 and 1099 tax forms were mailed no
later than Jan. 31.
                                                                               B   ecause of the state’s cash and budget problems,
                                                                                   refunds were delayed for 30 days starting Feb. 1 for
                                                                               Personal Income Tax and Business Entity taxpayers. For
                                                                               more information, visit www.ftb.ca.gov.
               Spring it On!                                                                                                                             WE’VE GOT
                                                                                                                                                         Your Vehicle
                                                                                                                                                         Covered
Enterprise                                                                                                                                               Y    ou’ve already purchased your
                                                                                                                                                              automobile and now you want to be

Used Auto Sale                                                                                                                                           sure it’s protected. In addition to new and
                                                                                                                                                         used auto loans, your credit union offers
                                                                                                                                                         insurance coverage you can count on.

      DATE & TIME:                                                                                                                                             AUTO INSURANCE
                                                                   Rates as low as                                                                       Experienced agents of Member
      Saturday, March 21
                                                                                                                                                         Insurance Services can help you find
      9 a.m. to 4 p.m.

      LOCATION:
                                                                  5.50%                     APR
                                                                                                                                                         a great deal on auto insurance, with
                                                                                                                                                         the same level of service you’ve come
                                                                                                                                                         to expect from SchoolsFirst FCU.2
                                                              Up to 48 months with
      SchoolsFirst FCU                                                                                                                                   Enjoy exclusive Member discounts,
                                                              Thank You Auto Loan
      15222 Del Amo Ave.                                                                                                                                 competitive rates from top carriers, and
                                                                    Discount7
      Tustin                                                                                                                                             quick online quotes.

                                                                                                                                                           GET COVERAGE FOR

H     op on over to the Enterprise Used Car
      Sale and drive home a great deal on a
pre-owned vehicle. Enjoy no-haggle pricing
                                                                                                                                                         UNEXPECTED REPAIRS
                                                                                                                                                         Similar to an extended warranty,
                                                                                                                                                         Mechanical Repair Coverage (MRC)
and a low-pressure sales approach while                                                                                                                  helps protect against unforeseen and
choosing from hundreds of pre-owned cars,                                                                                                                expensive car repairs, on both new and
trucks, minivans and SUVs, some priced                                                                                                                   used cars.8 Every policy includes towing
below $10,000.                                                                                                                                           service, rental car reimbursement, trip
                                                                                                                                                         interruption service, roadside assistance,
Members are invited to attend this private sale                                                                                                          lost key lockout and tire service, at
event, where they can inspect and test-drive                                                                                                             costs usually much lower than a dealer’s
vehicles, learn about the trade-in process, and                                                                                                          extended warranty.
even enjoy free hot dogs.
                                                                                                                                                               COVER THE GAP
SchoolsFirst FCU representatives will be                                                                                                                 In the event your vehicle is totaled in
there to assist with financing. Insurance                                                                                                                an accident, damaged beyond repair, or
representatives will also be available to provide                                                                                                        stolen, the Guaranteed Asset Protection
free insurance quotes.2                                                                                                                                  (GAP) plan covers the “gap” between
                                                                                                                                                         your insurance settlement and the
                                                                                                                                                         balance you may still owe on your
            SPEED UP THE                                                                                                                                 auto loan.9
          BUYING PROCESS
Get your loan pre-approved online                                                                                                                        Get a free quote today! Call an
at www.SchoolsFirstfcu.org >> Loans &                                                                                                                    insurance specialist at 800.462.8328,
Credit Cards >> Auto >> Auto Financing.                                                                                                                  ext. 4389.

1. Payment Shield Plus is a debt cancellation product available          advisory services are offered through CUNA Brokerage Services,            vehicle with terms of 60 months or less and limited to one
through SchoolsFirst FCU. It is not insurance, not a deposit, is         Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and            per Membership.
not federally insured by the NCUSIF, and is not underwritten             investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-         8. See your Mechanical Breakdown Insurance Certificate for specific
or guaranteed by SchoolsFirst FCU. Enrollment in the program             free 866.512.6109. Nondeposit investment and insurance products           coverage details. CA Insurance License 0707104. In those states
is voluntary and not required to obtain a loan. Please consult a         are not federally insured, involve investment risk, may lose value, and   where MEMBER'S CHOICE Mechanical Repair Coverage is
SchoolsFirst FCU loan specialist, or refer to the Payment Shield Plus    are not obligations of or guaranteed by SchoolsFirst FCU. CBSI is         offered as an insurance product, it is underwritten by Virginia
contract for additional information on benefit maximums, eligibility     under contract with SchoolsFirst FCU, through the financial services      Surety Company, Inc., Glenview, Illinois. The Mechanical Repair
and limitations.                                                         program, to make securities available to Members. CUNA Brokerage          program is administered by Consumer Program Administrators,
2. Insurance offered through Member Insurance Services. CA               Services, Inc. is a registered broker/dealer in all fifty states of the   Inc. and Automotive Warranty Services of Florida, Inc., Florida
Insurance License 0581192.                                               United States of America.                                                 License #60023.
3. CA Insurance License 0707104                                          7. For qualified borrowers. SchoolsFirst FCU’s loan program               9. Certain portions of the outstanding loan balance may not be
4. Long Term Care Insurance is sold through CUNA Mutual                  features a range of interest rates for some of its consumer loans. A      covered. Please consult a SchoolsFirst FCU representative, or
Insurance Society and other leading carriers. This insurance is          rate is based on a variety of factors, including the applicant’s credit   refer to the GAP Waiver Addendum Election form for additional
not a deposit and is not federally insured or guaranteed by your         rating and loan term. Rate includes a 0.75% APR discount for              information on benefit maximums, eligibility and limitations. GAP is
credit union. Subject to eligibility requirements. CA Insurance          automatic transfer payment from a SchoolsFirst FCU Share Savings          not insurance, not a deposit, is not federally insured by the NCUSIF,
License 1268-2.                                                          or Checking account, is valid as of 1/23/09, and subject to change.       and is not underwritten or guaranteed by SchoolsFirst FCU.
5. For specific tax advice, consult a qualified tax professional.        Thank You 0.25% APR discount available through 6/30/09 on new             10. Offered through HomeSold, Inc. SchoolsFirst FCU is not
6. Representatives are registered, securities are sold, and investment   loans or refinanced loans from another lender, for a new or used          affiliated with HomeSold.
Helping You Plan for What Comes Next
Financing your future isn’t a short-term goal—it’s a work in progress. At SchoolsFirst FCU, we
have a wide variety of products designed to fit your needs and lifestyle. For more information, visit
www.SchoolsFirstfcu.org and click on “What’s Next for You?” (under Special Features).


             Exclusively for School Employees

              Summer Saver
              Paycheck Planner
              School Employee Mortgage Program
              Planning for Retirement
                403(b)6, Roth 403(b)6, 457(b)6
                                                              LOCATIONS & HOURS
                Retirement Credits Personal Loan
                Retirement Credits Home Equity Loan
                                                              SchoolsFirst FCU operates 22 branch locations and an additional six express
              Helping You Do Your Job
                                                              centers throughout Southern California for your convenience. For addresses
                Computer Loan
                                                              and directions, visit www.SchoolsFirstfcu.org >> Locations.
                Classroom Supplies Loan
                Special Curriculum Loans                      BRANCH LOCATIONS
                                                              Anaheim                                     Irvine                                                                        Redlands
             Saving for Retirement, College                   Cerritos                                    La Habra                                                                      San Bernardino
             and Other Events                                 Cal State Fullerton*                        Mission Viejo                                                                 San Juan Capistrano
                                                              Cypress                                     Murrieta                                                                      Santa Ana
              Financial Advisors6                             Downey                                      Newport-Mesa                                                                  UC Irvine*
              Investment Options                              Fountain Valley                             Placentia                                                                     Walnut
                Share Certificates                            Garden Grove                                Rancho Cucamonga
                IRAs6                                         Huntington Beach                            Rancho Santa Margarita
                Fixed and Variable Annuities, Stocks, Bonds
                and Mutual Funds6                             BRANCH HOURS
              Complimentary Financial Workshops
              Saving for College                              Monday-Thursday: 9 a.m. to 5 p.m. Friday: 9 a.m. to 6 p.m.
                529 Plan6                                     Santa Ana, Fountain Valley & Rancho Cucamonga: Saturday: 9 a.m. to 2 p.m.
                Coverdell Education Savings Account           *Campus branches: Call for hours.
                College Saver Share Certificate
                                                              EXPRESS CENTER LOCATIONS
                                                              Anaheim Hills                  Fullerton                                                                             Long Beach
             Purchasing and Protecting a Vehicle              Corona                         Laguna Hills                                                                          Norwalk
              New & Used Auto Loans                           EXPRESS CENTER HOURS
              Auto Purchasing Services
                Enterprise Car Sales                          Monday-Friday: 10 a.m. to 6 p.m. Saturday: 10 a.m. to 3 p.m.
                Borrow Smart. Buy Smart. by Enterprise
                Autoland                                      CONTACT US
                FastTrack
              Insurance
                Auto Insurance2                               WEB SITE: www.SchoolsFirstfcu.org
                Mechanical Repair Coverage (MRC)8
                Guaranteed Asset Protection (GAP)9            EMAIL: info@SchoolsFirstfcu.org
                Payment Shield Plus1
                                                              TELEPHONE SERVICE CENTER: 714.258.4000 800.462.8328
                                                              Monday-Friday: 7 a.m. to 7 p.m. Saturday: 9 a.m. to 3 p.m.
             Buying a Home and Using Its Equity
                                                              TELLERPHONE: 714.258.4100 800.540.4546
              Real Estate Loans
              Equity Options (Loans and Lines of Credit)      EMERGENCY CARD SUPPORT: 714.258.4000                                                                                         800.462.8328
              Real Estate Agent Rebate Program10              Available 365 days a year from 5 a.m. to midnight
              Insuring Your Home2
                                                              TDD: 714.258.4227 Monday-Friday: 8 a.m. to 6 p.m.

             Using Your Money and Credit Wisely               MAILING ADDRESS: P.O. Box 11547 Santa Ana, CA 92711-1547

              Checking Accounts                                             For questions and comments about Report Card,
              Debit MasterCard®                                                  email marketing@SchoolsFirstfcu.org
              Savings Accounts
              Credit Cards                                                                      Your savings federally insured to at least $250,000
                                                                                       and backed by the full faith and credit of the United States Government



              Financial Resource Center                                                                                                                          Federally insured by NCUA. Coverage increased from
                                                                                               NCUA
                                                                                          National Credit Union Administration, a U.S. Government Agency
                                                                                                                                                                 $100,000 to $250,000 through 12/31/09.

				
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