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
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
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
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.
into which the check is being deposited. Santa Ana Branch
Register for a complimentary workshop online at www.SchoolsFirstfcu.org >> Tools >>
Financial Workshops, or call 800.462.8328.
Open an IRA!
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
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.
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
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.
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
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
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
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
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
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
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
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
National Credit Union Administration, a U.S. Government Agency
$100,000 to $250,000 through 12/31/09.