5th Annual Photo Contest_.pdf

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					                                                                                                                                  5th Annual Photo Contest!
                                                                                                                                                         79th Annual Meeting 
                                                                                                                                                  News10 Teacher of the Month 

                                                                                                                             BE CONNECTED

               When you want to lose                     Rates As Low As             the introductory period
               weight, you cut calories and                                          ends. The Schools Platinum
               start a tness plan. When                                              Visa® Credit Card o ers
               you want to whittle down                                              everyday rates as low as
               your debt (especially after                                           7.99% APR with NO
               those holiday shopping                NO Balance Transfer Fees.       balance transfer fees.
               sprees!), you nd a low-rate                         Start your debt diet today. Apply for a
               credit card and consolidate balances. But           low-rate Schools Platinum Visa Credit Card at
               don’t let limited-time 0% o ers fool you.           schools.org, call 916-569-5400 (Sacramento
               Most of them have a 3% - 5% balance                 area) or 800-962-0990 or visit any branch.
               transfer fee and rates in the 20% range when

                                                                 Introducing Visa eStatements
                                      Now all Visa Credit Card account holders can access their statements online.
                                                 Follow these easy steps to enroll in FREE eStatements:
                                          Login to Personal Branch Online Banking                  Click Online Services
                                          Click Visa Inquiry                                       Click Enroll in eStatements
T O P- 5 V A LU E P R O D U C T S : F R E E B I L L PAY • E Q U I T Y P R O D U C T S • A U T O LO A N S • C E R T I F I C AT E S • P L AT I N U M V I S A ® C R E D I T C A R D S
                                                                                                                                       RATES AS LOW AS

                                                                  5th Annual
                                                               Photo Contest!
                                                                   Sue Dwyer-Voss
                                                                   2011 Grand Prize Photo

We’re celebrating the fifth issue of our Member Photo Edition calendars this year,                                             Short-Term, Low-Rate
and we want the treasured photos that your friends and family rave about. Pull                                                    Mortgage Loan
out all the stops — send photos of exotic locations and sophisticated landscapes
                                                                                                                 If you’re a homebuyer looking for a short term
from every season. The owner of the grand prize photo will receive $500!2 Email                                  with a remarkably low rate, the Short-Term, Low-
your photos to images@photo.schools.org by June 30, 2012.                                                        Rate Mortgage loan was designed for you. With
                                                                                                                 no closing costs4,5 and no points, there’s no reason
Photo Contest Guidelines:
                                                                                                                 you shouldn’t contact a Schools Real Estate Loan
  ••Submit high resolution (8x10 print quality or higher / 300 dpi) digital photos
                                                                                                                 Counselor today! Call 916-569-5473 (Sacramento
   to images@photo.schools.org. Please attach digital photos to the email; do
                                                                                                                 area) or 800-962-0990, ext. 5473 to start saving
   not include photos in body of email.
  ••Submissions must include your name, phone number and a photo
                                                                                                                                • 5 years at 3.35% / 3.35% APR3
   description (Note: Schools will not use your personal information for any                                                    • 7 years at 3.55% / 3.55% APR3
   reason other than to communicate with you about the contest).                                                               • 10 years at 3.75% / 3.75% APR3
  ••Horizontal submissions are best for calendar consideration. Vertical
   submissions can be used in other marketing materials.

A panel of seven judges will choose the photos based on quality, composition,
creativity, overall impression and cohesion with other submissions to form a
theme. By submitting a photo, you are agreeing to the Official Rules of our Photo
Contest. Visit schools.org or any branch for more information and the complete
Official Rules.

             Planning Your Financial Future
                                                                                                                              Do You Mail Payments
To assist with planning your financial future, Schools Financial Credit Union has                                                 and Deposits?
developed a relationship with LPL Financial (Member FINRA, SIPC). LPL financial                                  Our payments and deposits address has changed.
consultants offer professional guidance and access to a full range of financial                                  Effective immediately, please mail all your payment
options, including investment analysis, mutual funds, annuities, life insurance                                  and deposit correspondence to the new address
and more. Your LPL financial consultant can help you create a strategy that is                                   below:
suitable for you and your situation.                                                                             Loan Payments & Deposits
Call 916-334-1241 today for a FREE, no-obligation consultation.                                                  Schools Financial Credit Union
                                                                                                                 P.O. Box 526003
    Securities and insurance products offered through LPL Financial and its affiliates. Member FINRA/SIPC.       Sacramento, CA 95852-6003
                      Not NCUA Insured. No Credit Union Guarantee. May Lose Value.                               Please discontinue sending your payments and deposits to P.O. Box
    Schools Financial Credit Union is not a registered broker/dealer and is not affiliated with LPL Financial.   60043, City of Industry, CA 91714-5033.
                  RATES AS LOW AS                                     Schools’ 79th Annual Meeting
                                                      The 79th Annual Meeting of Schools Financial Credit Union members will be
                                                      held at 2:00 p.m. on Sunday, March 18, 2012, at the Orangevale Branch. The 2012
                                                      Annual Meeting will include reports from the Board of Directors, Supervisory
                                                      Committee and Management. Hear annual progress reports, enjoy lunch and
                                                      chat with fellow Credit Union members. Please join us for this informative affair.
                                                      RSVP by calling 916-569-2001 (Sacramento area) or 800-962-0990, ext. 2001 by
                                                      March 12, 2012.

           Low-Rate Auto Loans
                                                      Slate Selected
We’re outshining the competition with rates as low
                                                      The Nominating Committee, chaired by Ron Kramnic with members Gloria Ross
as 2.99% APR for terms to 66 months for new and
used autos, plus no payments for 60 days.7 And if     and Dolores Bleekman, has nominated Emilio Martinez and Theresa Matista for
you’re refinancing from another lender, we’ll give    three-year terms to the Board of Directors, and Diana Wyman for a three-year
you a FREE Guaranteed Auto Protection Waiver          term to the Supervisory Committee.
valued at $350!
                                                      Emilio Martinez has been a member of Schools since 1967. He was elected
Tell the dealer you want to use Credit Union Direct   to the Supervisory Committee in 1993, elected Secretary to that Committee in
Lending (CUDL) to finance with Schools, apply         1997, and Chairman in 2001. In 2004, Emilio was elected to the Board of Directors.
online or visit any branch. Go to schools.org for
                                                      Emilio earned his Bachelor of Science degree from Central Michigan University and
current terms and payment calculators.
                                                      his graduate degree from the University of San Francisco. After working for six years
                                                      as a teacher and Sacred Heart Credit Union volunteer in Saginaw, Michigan, Emilio
                                                      moved to California. He taught in the San Juan Unified School District for 29 years
                                                      before retiring in 1995.

                                                      Theresa Matista has been a Credit Union member since 1996. She was
                                                      elected to the Board of Directors in May 2004. Theresa earned her Bachelor of
                                                      Science degree in Finance from Santa Clara University and her Master of Business
                                                      Administration degree from California State University, Sacramento. Theresa has
                                                      worked for the Los Rios Community College District for 21 years. She currently
                                                      serves as the Associate Vice Chancellor, Finance at the Los Rios Community College

                                                      Diana Wyman was elected to the Supervisory Committee in October 2008
                                                      and has been a Schools member since 1959. Mrs. Wyman has over 50 years
    News10 Teacher of the Month                       experience in marketing management, including serving as the Vice President of
Timothy Dant − Linda Elementary School, Marysville    Marketing at Schools. She received her Bachelor of Arts degree from Sacramento
News10, Sacramento State University and Schools       State University in Language Arts. Now semi-retired, Mrs. Wyman is still an active
have joined together to profile extraordinary         marketing consultant for regional arts groups, including the Sacramento Ballet and
teachers in our community each month. Nominate        Sacramento Opera.
an outstanding educator for Teacher of the Month at
                                                      IMPORTANT NOTICE — PROXY USE
                                                      If you have appointed the Credit Union‘s Board to act as your representative by means of a current, unrevoked proxy, the proxy
                                                      will be voted by the Board‘s authorized designee at member meetings on director and supervisory committee elections,
                                                      amendments to the bylaws and articles of incorporation, as well as such other proper business as may come before such
                                                      meetings. Your proxy may be revoked by a subsequent proxy, or otherwise in writing. You may also withdraw your proxy from
                                                      any meeting you attend in person.
                                                         Quarter Savings Rates and Yields
                                                                        Your Board of Directors intends to pay the following:
                                                                                                Dividend Rate          Annual % Yield
                                                                                                                                                                                                                Facebook & Twitter
                 Banking for Everyone Savings/Youth Account
                                                                                                               7.00% see below1                      7.00% see below1                                             Be Connected!
                 (Qualifying accounts)
                 Banking for Everyone Savings/Youth Account                                                    0.05%                                 0.05%
                 Summer Reserve/Holiday Savings Club                                                           0.05%                                 0.05%                                  Get social with us! Connect and share with Schools on
                                                                                                                                                                                            Facebook and Twitter.
                 IRA and Deferred Compensation Shares2,3
                 Tier #               Balance Range
                                                                                                                                                                                                ••Get the latest Credit Union information.
                 1                    Up to $9,999.99                                                           0.05%                                0.05%
                 2                    $10,000 - $19,999.99                                                      0.05%                                0.05%                                      ••Watch out for sweepstakes and giveaways.
                 3                    $20,000 - $99,999.99                                                      0.25%                                0.25%
                 4                    $100,000 and over                                                         0.35%                                0.35%                                      ••Check out our current employment opportunities.
                 Interest Checking Account for January                                                          0.05%                                0.05%
                                                                                                                                                                                                ••Read informative financial and local news.
                 Super$hare Account for January
                                   SM               3

                 Tier #              Balance Range                                                                                                                                          Search for Schools Financial Credit Union on Facebook
                 1                   Up to $999.99                                                              0.05%                                0.05%
                 2                   $1,000 - $2,499.99                                                         0.05%                                0.05%                                  and myschools on Twitter.
                 3                   $2,500 - $9,999.99                                                         0.05%                                0.05%
                 4                   $10,000 - $49,999.99                                                       0.05%                                0.05%
                 5                   $50,000 and over                                                           0.25%                                0.25%

                 Premier Money Market Savings and Checking Accounts3 for January
                                      Balance Range
                 Savings              $0 - $19,999.99                    0.05%                                                                       0.05%
                 Savings              $20,000 - $99,999.99               0.25%                                                                       0.25%
                 Savings              $100,000 and over                  0.35%                                                                       0.35%
                 Checking             $0 - $19,999.99                    0.05%                                                                       0.05%
                 Checking             $20,000 - $99,999.99               0.05%                                                                       0.05%
                 Checking             $100,000 and over                  0.15%                                                                       0.15%
             1 APY = Annual Percentage Yield. A dividend rate of 7.00% will be paid only on the portion of your daily balance that is less than $500.01 that meets
             the Banking for Everyone Savings/Youth quali cations. The APY will range between 7.00% and 7.19% depending upon account balance. Dividends
                                                                                                                                                                                                          Your Credit Union Governance
             compound at 7.00% APY up to an account balance of $500. Notwithstanding anything to the contrary in your Schools Financial Credit Union Truth                                          Board•of•Directors                                     President•&•CEO
             in Savings Disclosure (“Disclosure”), you understand and agree that the 7.00% APY does not compound on the portion of your daily account balance
             greater than $500. A separate dividend rate will be paid on nonqualifying accounts and the portion of your account balance greater than $500.                                          E.J. Houghton, Jr., Chairman                           Jim Jordan
             Business and organization accounts are not eligible. One Banking for Everyone account per Social Security Number. Contact the Credit Union or visit                                    R.E. Kramnic, Vice Chairman
             schools.org for additional account qualifying information.
             2 Applicable only to IRA and Deferred Compensation share accounts. IRA and Deferred Compensation Certi cates are not included. Contact the                                             M. Smith, Treasurer
             Credit Union for additional account information.                                                                                                                                       G.L. Ross, Secretary                                   Supervisory•Committee
             3 Minimum balances required to earn stated Annual Percentage Yield (APY).                                                                                                              E. Martinez, Director                                  G.A. Smith, Chairman
             Visit schools.org or call 916-569-5400 (Sacramento area) or 800-962-0990 for current rates and                                                                                         T. Matista, Director                                   D. Wyman, Secretary
             yields paid on Premium Rate Certi cates, IRA Certi cates and Deferred Compensation Certi cates.                                                                                        D.E. Bleekman, Director                                G. Bleekman

            Protect Your Identity                                                     Shared Branching
                                                                                      CO-OP Network                                                            Holiday                                                                       916-569-5400 (Sacramento area) or
           Schools is dedicated to protecting your                                      Access your accounts FEE-FREE                                           All Schools Financial Credit Union offices will                                           schools.org
           identity. Please visit our Web page with                                     nationwide at over 28,000 CO-OP                                         be closed in observance of:
           important information about keeping your                                     Network ATMs. Make deposits, get cash                                   Martin Luther King, Jr. Day
           identity safe:                                                               and more! To find an ATM near you, visit                                Monday, January 16, 2012
           https://www.schools.org/info/protect_                                        schools.org or text* your ZIP code to
           your_identity.asp.                                                           MYCOOP (692667).                                                                                                                                                      Your savings federally insured to at least $250,000 and backed
                                                                                                                                                                                                                                                              by the full faith and credit of the United States Government.
                                                                                        *Standard text messaging rates apply.                                                                                                                                 National Credit Union Administration, a U.S. Government Agency.

                 Rates and terms are accurate as of January 1, 2012, and are subject to change without notice.
                 1 APR = Annual Percentage Rate. The APR is variable and may change monthly. Credit limits based upon the member’s creditworthiness and ability to repay. Total aggregate unsecured credit, including Visa, lines of credit and computer loans, cannot exceed the Board-approved maximum.
                 2 Consumer Disclosure: “Photo Contest”: One prize of $500 will be awarded in the form of a Schools Counter Check. Odds of winning are based upon the number of entries, which are estimated to be 1 in 1,500. All entrants must be members in good standing, eligible per
                 Credit Union policy and at least 18 years of age. Credit Union officials, employees and their families are not eligible to receive cash prizes. Entries are accepted through June 30, 2012. By submitting a photo, you are entering the Photo Contest, agreeing to the complete Official Rules of the

                 Photo Contest and granting the Credit Union the right to identify you as the owner of the photo. Schools reserves the right to edit photos, and based on quality of submissions, we may not choose to publish the winning photo in our 2013 Wall Calendar. For complete Official Rules, visit
                 schools.org or any branch.
                 3 APR = Annual Percentage Rate. All loans are subject to credit approval and Credit Union policies and procedures. Representative example: A $100,000 loan with an Annual Percentage Rate of 3.35% and a 60-month term would have a payment of $1,812.46. Representative example: A
                 $100,000 loan with an Annual Percentage Rate of 3.55% and an 84-month term would have a payment of $1,346.26. Representative example: A $100,000 loan with an Annual Percentage Rate of 3.75% and a 120-month term would have a payment of $1,000.61.
                 4 Closing costs paid by the lender include credit report, document preparation, tax service, title and similar fees that are customary and reasonable to a standard refinance transaction.
                 5 If more than 20% of the original principal amount is paid off within the first 12 months there will be a prepayment charge equal to the amount of your closing costs or the sum of six (6) months’ advance interest on the amount of the excess, whichever is less.
                 6 APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history. Representative Example: A $15,000, 66-month loan at 2.99% APR and 100% financing would require 65 payments of $246.77 with one final payment of
                 $246.60. Rates and terms are subject to change without notice.
                 7 Interest will continue to accrue from the date of purchase.

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