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Member Newsletter                                                                                   Winter 2009

Sharpen Your Financial IQ                                                                       In this Issue
                                                                                                PA G E   Of Local Interest Three

                                                                                                2        new branches opened in
                                                                                                         2008 – do you know where?

                                                                                                PA G E   Optimum Plus Money

                                                                                                3        Market Account Earn
                                                                                                         more on larger balances.

                                                                                                PA G E   We have money to lend

                                                                                                3        Find out how credit unions
                                                                                                         are part of the solution.

        Peace of mind when life’s unexpected events happen.                                     PA G E   Find out what’s happening

      oday, perhaps more than ever,
      protecting our family and property
      from life’s unexpected events –
                                                 up to $1,000 of your deductible.
                                                 •   Low cost for coverage
                                                                                                4        this Winter in and around
                                                                                                         the Credit Union.

unemployment, death, disability, a vehicle       •   No out-of-pocket expense upon loss of
accident or breakdown - is a major                   vehicle
concern. Many members have found that            •   Protects your credit rating
the following products provide peace of          Mechanical Breakdown Insurance (MBI)
mind when they need it most.                     provides better coverage than a dealer’s
Payment Protection is a debt cancellation        extended warranty, and typically costs you
product that cancels all or part of your         less. We offer four different MBI plans from
eligible loan balance, up to the agreement       Standard “powertrain” coverage to
maximum, in the event of death, disability,      Supreme “bumper-to-bumper” coverage.
or involuntary unemployment.                     All plans include reimbursement for
                                                 towing/roadside service, rental car,
•   Low cost coverage                            lodging, locksmith, and tire repair*.
•   Protects your credit rating and collateral
                                                 •   Low deductible from $50 - $200             Free to Enjoy
•   Easy enrollment
                                                 •   Choose any licensed repair facility or     Sorting out Medicare options can
If your car was stolen or declared a total           dealership for service                     be one of the most confusing
loss due to an accident, you could find                                                         tasks ever. Learn about Medicare
                                                 •   Transferable to a new owner
yourself making payments on a vehicle you                                                       and your plan choices at our
no longer own. This happens when the             These products and their protection
                                                                                                Medicare Health Services and
actual cash value of your car, as                benefits are available to all members of       Resources workshop on February
determined by your insurance company, is         Orange County’s Credit Union. A Member         17. Go to our Web site or call
less than the dollar amount of your loan.        Service Representative can help you obtain     (888) 354-6228 ext. 7413 to RSVP.
Guaranteed Asset Protection (GAP)                coverage today.
covers the “gap” between the two, plus           *Conditions apply, ask for specific details.

Got a Question? Call Us at (888) 354-6228 or visit us at                                                    1
Orange County’s Credit Union M e m b e r N e w s l e t t e r

Firsthand Knowledge
When Looking For A Home Loan Think Of Your Credit Union First
by Jeff Harper, Vice President Lending

      ven in today’s economic environment, we’re committed to making homeownership a reality for all our members. Finding the
      right home financing is one of the most important decisions most of us will ever make. So, our loan consultants, who are
      employees of the Credit Union, are available in the branch or by phone to carefully explain the products we offer and help
you choose the one that’s right for you.
                                                                                 Talk to us even if you just need advice. Whether you’re buying a first home, refinancing
                                                                                 an existing mortgage or buying a new home, we’ll walk you through the process and
                                                                                 give you plain-language explanations of how each loan works, from fixed to adjustable.
                                                                                 Plus, you can depend on your credit union for FREE pre-approvals, so you can shop for
                                                                                 a home you know you can afford.
                                                                                 Member Discounts and Rewards
                                                                                 We want to make sure you’re aware of all that we offer to help you save on your home
                                                                                 loan costs. Automatic payments provide a savings of up to a 0.25% off your rate on
                                                                                 select loan types. And, the option to pay bi-weekly is available at no cost. Typically, other
                                                                                 lenders charge up to $500. A 30-year mortgage can be paid off in as little as 24.3 years
                                                                                 with bi-weekly payments.*
                                                                                 Plus, combined loan and/or deposit balances of $50,000 or more receive Platinum level
                                                                                 membership rewards:
                                                                                 •    Free Checking and Checks
                                                                                 •    0.25% Rate Discount on Auto and Personal Loans
                                                                                 •    Unlimited Free ATM transactions at any ATM**
                                                                                 •    Free Online Banking and Bill Pay***
                                                                                 •    Free Travelers and Cashiers Checks, Domestic Wire Transfers
                                                                                 To talk to one of our Mortgage Consultants, call us at (800) 506-5070.
                                                                                 * Individual results may vary. Bi-weekly payments available on Adjustable Rate Mortgages and 15-year fixed rate
                                                                                 ** Surcharge from another financial institution may apply
                                                                                 *** If Online Bill Payment is not used for 90 days consecutively, a $4.95 per month fee applies

Of Local Interest
                                                                   Yorba Linda                                                              Irvine                                                                              Norco
                                                                                                                                                                          2nd St.


             Valley View Ave.


        57                                                                                   Ba

                                                                                               rra                                                                                                      Hidden


                                                                                                  nc                                                                                                             Valle
                                                                                                                                                                                                                      y Pkwy.



                                                                                                          y.                                                                  nA




                                                                                                                                                       coln A
                                     Richfield Rd.


                                                     Yorba Linda Blvd.

                                                                                                                                                                                      N. Main St



                                                                                                                                                     N. Lin


                                91                                                                                               kw

                                                     55                                                             405                                                                            91

Three new Orange County’s Credit Union branches opened in 2008. If you haven’t had an opportunity to visit one, here’s a reminder of
the new locations. All three branches are open six days a week with extended hours until 7:00 pm Monday through Friday, and until
2:00 pm on Saturday. Irvine and Norco also have the added convenience of Albertsons grocery store locations.

2    Got a Question? Call Us at (888) 354-6228 or visit us at
                                                                                                         Winter 2009

The Latest and Greatest
FREE Children’s Gift Deposit Cards                                                           Optimum Plus
The joy of watching your savings grow is fun at                                              Money Market
any age. The Sand Dollar Savings Club is a fun
way to teach kids about good savings habits.
Give the gift that shows you care about their

                                                                                                                          % APY*
Make a deposit as a gift to a Member’s Sand                                                                               $25,000
Dollar Savings Club account, and choose from                                                                              MINIMUM
special greeting cards to let them know the
date and amount of deposit. The

complimentary cards can be used by parents, grandparents, or any family member who                                        % APY*
wants to make a deposit to the Sand Dollar account.                                                                       MINIMUM
Stop by any branch to make a “gift deposit” and pick up a complimentary greeting card
for your loved one today!

                                                                                                                          % APY*
We Have Money To Lend

                                                                                                                          % APY*
                        While some financial institutions are suffering from a credit
                         crunch and lack the liquidity to lend, we’re making loans for
                         cars, homes, and personal items big and small. Credit unions
                                                                                             Be sure to visit our Web site frequently,
                         were not part of the problem, but we are part of the solution.
                                                                                             or call us at (888) 354-6228, to get the
                         Our Member Service Representatives will work with you to            latest updates on special rates for
                        create the best loan package to meet your specific needs.            deposit products including savings,
                      We’re helping members get their first loan, we’re helping              money market, and term share
                   members get a new loan, and we’re helping members get a better            certificates.
            loan. We’re here for you, too. Call us today.
                                                                                             *APY is Annual Percentage Yield as of January 1, 2009. Rates
                                                                                             and terms are subject to change. $2,500 minimum opening
                                                                                             deposit and $2,500 average daily balance needed to avoid
                                                                                             monthly service fee. This is a tiered account.

                      OCCU is top rate. Why go       I am very appreciative of the    I opened an account at OCCU about 2 years ago
                      elsewhere? Everyone I spoke    way the Balance counselor        and normally conduct my banking at the Anaheim
                      with at the Fountain Valley    took a look at my whole          branch. I want to formally thank you and your staff
                      branch was so pleasant and     situation and had the patience   for the wonderful customer service you provide. I

                      forthcoming. Thanks for the    to take the information and      have always been treated respectfully and kindly.
                      chance to praise them.         tell me how I can improve my     During a loan transaction, Edwin skipped his lunch
                      Mary S., Balboa Island         debt to income ratio. He was     break and on another occasion stayed after his
                                                     very polite and helpful.         work hours making it possible for me to deal with
                                                     Ruth M., Santa Ana               the same person throughout the process which
                                                                                      made my business transaction more pleasant.
                                                                                      Edwin always greets us personally and
                                                                                      communicates with kindness, dignity, and overall
                                                                                      respect that I have never witnessed before. He is
                                                                                      surely an asset to your company.
                                                                                      Jennifer J., Orange

Orange County’s Credit Union M e m b e r N e w s l e t t e r

What’s Happening This Winter                                                                    DIRECTORY                   BOARD OF
                                                                                             Telephone Banking,
                                                                                                 Call Center,               DAN DILLON
                                                                                            and 24-Hour Rate Line              Chair
    January 2009                                                                               (714) 755-5900
                                                                                                                          CAROL GANDY
                                                                                           Outside the “714” area           Vice Chair
JAN       College Financing 101                                                                 Call Toll Free

22        Learn about budgeting for college education, financial aid, and alternative
          funding options. Talk to experts about scholarships, grants, and get
                                                                                             (888) 354-OCCU
                                                                                              (888) 354-6228

                                                                                                                           WALT KRAUSE

                                                                                                                           GARY BURTON
          answers to your questions. We’ll be joined by representatives from UCI and
                                                                                           (714) 755-5900, press 2           Treasurer
          Santa Ana College, 6:00 p.m., refreshments, Orange County’s Credit Union
          Administration Headquarters, Santa Ana, (888) 354-6228 ext. 7413 to RSVP.               Loan FAX                 FRED BRANCA
                                                                                               (714) 755-0443
                                                                                                                           CHRIS CHASE
                                                                                            Auto-Buying Service
                                                                                          (714) 755-5900 ext. 7595         MIKE JENSEN
    February 2009                                                                         Retirement and Investment       DICK KATAOKA
                                                                                               Services Division
 FEB      Understanding Medicare and Your Plan Choices                                     (714) 755-5900 ext. 7591         FRANK KIM

17        Presented by Frank Von Nostrand, Public Affairs Specialist with the Social
          Security Administration, 6:30 p.m., refreshments, Orange County’s Credit
                                                                                             Insurance Services
                                                                                          (714) 755-5900 ext. 7596
          Union Administration Headquarters, Santa Ana, (888) 354-6228 ext. 7413             Mortgage Lending            VICTORIA BEATLEY
          to RSVP.                                                                            (800) 506-5070                   Chair

                                                                                                 Web Site                   MAUREEN LI
                                                                                                                          GAYLAN HARRIS
    March 2009                                                                               CU Service Centers
                                                                                              (888) 287-9475            LOAN COMMITTEE
MAR       Financial Freedom – Getting Out of Debt                                          CO-OP ATM Network              BART BARTLETT

18        This interactive workshop will introduce simple strategies to eliminate debt,
                                                                                                                           DEVIN BAKER
          review budgeting techniques, and everyone will have the opportunity to                BRANCHES
          create a personalized debt-reduction plan. Orange County’s Credit Union                                        ORANGE COUNTY
                                                                                                  Anaheim                   GROUP, INC.
          Administration Offices, Santa Ana, 6:00 p.m., refreshments.                     2390 E. Orangewood Ave.     A wholly-owned subsidiary
          Call (888) 354-6228 ext. 7413 to RSVP.                                                                         of Orange County’s
                                                                                               Fountain Valley              Credit Union
                                                                                           18287 Brookhurst Street
                                                                                                                            BOB GEGGIE
                                                                                                  Fullerton                    Chair
    Holiday Closure                                                                       1469 S. Harbor Boulevard
                                                                                                                         FRANK COURTNEY
                                                                                              Irvine Albertsons             Vice Chair
                                                                                             3825 Alton Parkway
January 19                                                                                                                 JOHN IAGJIAN
Martin Luther King, Jr. Day                                                                     Lake Forest
                                                                                            23778 Mercury Road             JOHN SAWICKI
                                                                                            M-F 10 a.m. - 7 p.m.
February 16                                                                                  Sat 9 a.m. - 2 p.m.
President’s Day                                                                                 Long Beach
                                                                                            1802 Ximeno Avenue

While the Credit Union is closed in observance of these holidays, members have full             Mission Viejo
                                                                                          28221 Marguerite Parkway
access to their accounts through Orange County’s Credit Union ATMs, Telephone
Banking, and Online Banking services, 24 hours a day, seven days a week including             Norco Albertsons
                                                                                           1100 N. Hamner Avenue
holidays. And, most 7-Eleven stores provide surcharge-free ATM and shared branching
access via an automated kiosk. To find the one nearest you, visit our website and click          Santa Ana
                                                                                           1721 E. St.Andrew Place
on ATM/Branch Locator, or text MYCOOP (692667) from any cell phone. In the body of
                                                                                                 Santa Ana
the text include an address (city, state), zip code, or intersection (city, state).          856 N. Ross Street
                                                                                             M-F 9 a.m. - 6 p.m.
                                                                                             Sat 9 a.m. - 2 p.m.

                                                                                                Yorba Linda               28,000 Free ATMs
                                                                                           17504 Yorba Linda Blvd.           Nationwide

                                                                                            All branches are open
                                                                                             M-F 9 a.m. - 7 p.m.
                                                                                             Sat 9 a.m. - 2 p.m.
                                                                                           except as noted above.

4    Got a Question? Call Us at (888) 354-6228 or visit us at

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