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									 PRESS “CREDIT” INSTEAD OF “DEBIT” TO SAVE MONEY!                                                                                                                 See story on back side

                                                                                                                                         401 West 2nd St, San Bernardino, CA 92401
                                                                                                                                         Call 909-889-0838 or Visit

     Call today for details about our
     expanded membership area.
                                                                                                                                        NEWS          SPRING 2012

 1st Valley Provides Help with
                                                                                               1st Valley Introduces “Unidos”
 Solutions                                                                                     Send Money, Cash Checks, Pay Bills!
 to Wide Variety of                                                                                                We are delighted to announce our newest
                                                                                                                   service – Unidos (pronounced U-Need-Os).
 Financial Concerns                                                                                                It’s a convenient, secure and quick way to
                                                                                                                   cash checks, pay bills, reload mobile phone
 All members have access to 1st Valley Credit                                                                      minutes and send money to Mexico, Honduras,
 Union’s “outside of the box” mortgages, with                                                                      Guatemala, El Salvador, Philippines to name only a few –
 quick approval and 30-day or less closing                                                                         All from the comfort of a dedicated cubicle inside our branch.
 on purchases or cash-out refinances.
                                                                                                                   Stop in today to get started taking care of business the easy,
 See SOLUTIONS on other side                                                                                       secure and convenient way with Unidos.

 Treasury to
 Sell U.S. Savings                                                             Do You Need:                                                        A Car?
                                                                                                                                                   Extra Cash?
 Bonds Direct                                                                                   These Are Our Rates                                Lower Payment?
                                                                                       Regardless of Your Credit Score.
 The U.S. Department of Treasury                                                                                                                   Longer Term?
 announced the elimination of
 over-the-counter sales of                                                                No Teasing at 1st Valley!                                Refinance Your Car or
 paper savings bonds as                                                                                                                            Purchase a Vehicle with
 of December 31, 2011.
                                                                                                                                                   1st Valley Credit Union’s
 Financial institutions – 1st Valley CU
 included – are no longer able to                                                                                                                  GREAT RATES!
 sell savings bonds.                                                                                                                               1.00% APR* – 1 Year
 Electronic savings bonds                                                                                                                          2.00% APR* – 2 Years
 are available to consumers                                                                                                                        3.00% APR* – 3 Years
 for purchase through a
 secure web-based
 system operated by the
                                                                                                  90% Auto Loans Financing!                        4.00% APR* – 4 Years
                                                                                                                                                   No Hidden Terms or Conditions!

                                                                                               Tell Your Friends and Family!
 Bureau of Public Debt.           HERE’S THE FINE PRINT! *APR = Annual
                                  Percentage Rate. Payment Examples: 90% Loan-To-Value
                                  (LTV) on new auto financing includes tax, luxury tax,
 You may log on to                license, mechanical repair coverage, extended warranty and
                                  guaranteed auto protection (GAP). Rate presented for           model years 2005 and newer. A one year auto loan at 1.00%

 where you can purchase,
                                  fixed APR will have 12 monthly payments for $83.79 per
                                  $1,000 borrowed. A two year auto loan at 2.00% fixed APR       Everyone Who Lives, Works or Worships in San Bernardino County
 manage, and redeem
                                  will have 24 monthly payments of $42.54 per $1,000 bor-
                                  rowed. A three year auto loan at 3.00% APR will have 36            is Eligible to Join & Take Advantage of These GREAT RATES!
                                  monthly payments of $29.09 per $1,000 borrowed. A four

 electronic savings               year auto loan at 4.00% APR will have 48 monthly pay-
                                  ments of $22.58 per $1,000 borrowed. No Hidden Terms                  Visit and Fill Out a No-Hassle Online
                                                                                                               Loan Application, or Call 909 -889-0838
                                  or Conditions. Minimum Loan Amount $2,500. Auto
 bonds online.                    Loans Based on 90% Financing.

Holiday Closings:                                Memorial Da Monday, May 28
                                                                                                                           REMEMBER... the branch may be closed, but we’re
                                                                                                                           ALWAYS OPEN, 24/7 through “It’s Me 247” at 1st
                                                 Independence Day Wednesday, July 4                                                       or CU Talk at 888-778-0311
NOW Everyone in San Bernardino County Can Join the County’s Only 5-Star Rated Community Credit Union!

 SOLUTIONS from other side                             P R E S I DE NT S COR NE R
 Whether you are looking to buy your
 first home, refinance to a lower rate, or                 1st Valley Designated as a
 pull cash out of your existing property,
 the vast array of programs now avail-
                                                       Community Development Credit Union
 able makes getting the right loan for                 The U.S. Treasury and the Federation of Community Development Credit
 you easier than ever.                                 Unions have recognized the efforts of 1st Valley Credit Union in serving the
                                                       entire community. We have been designated as a Community Development
 Our mortgage division offers:                         Credit Union by the Federation, and the U.S. Treasury Department.
                                                                                                                                              Gregg Stockdale
 I Fixed Rate Conventional Loans                       While some banks and credit unions sought to maximize profits, growth,                     President and CEO
   (30, 25, 20, 15, and 10 year                        and personal gain, your credit union has strived to serve our entire             ASK THE CEO: Do you have a question that
                                                                                                                                        you would like to see addressed here, or just
   terms available)                                    membership. Our goal is to make your financial future bright                     have suggestion or comment? We pride our-
                                                                                                                                        selves on being open and available to our
 I VA Loans (100% financing)                           whether you are a high wage earner, or have a modest income.                     members. What better way to keep in touch
                                                                                                                                        and get the facts from the source. You may
                                                                                                                                        write Gregg Stockdale at the credit union
 I DU Refinance Plus (no equity                        In keeping with our goals, we are proud to announce our relationship with        address, call him at 909-889-0838, ext #225,
                                                                                                                                        or e-mail him at, (we
    needed to refinance on this program)               UNIDOS. We already offer a Payday alternative loan program of up to $750.        have a spam blocker on our email site that will

 I High balance, Jumbo, Super Jumbo                    Now, we have additional services for members of modest income or those           send you a reply notice that requires a 4 digit
                                                                                                                                        code be entered for the e-mail to be sent. This

   home loans                                          that transact cross-border transactions at very reasonable prices.               is a legitimate program of the credit union. You
                                                                                                                                        are safe to respond to that.

 I FHA Streamline Refinance                            Our goal is not to make huge profits. We want to provide services that
 I Investment Properties &                             traditionally are priced
   Second Homes                                        at the detriment of
                                                       those that utilize these              Our goal is to make your financial future
 I Reverse Mortgage
                                                       services. UNIDOS                        bright whether you are a high wage
 I Fixed Rate and ARMs                                 services are available to                 earner, or have a modest income.
   (Adjustable Rate Mortgages)                         even non-members who
 I Interest-only Loans                                 are either un-banked or
 I USDA Rural Financing                                under-banked. Of course, we hope that they will like the services so much that they will join the credit
   (100% financing available in                        union and achieve even more financial success.
   rural areas with no PMI)
 I First-time Home Buyer Program
 I FHA 203K Rehab
                                                              Mobile                                                         Press “Credit”

                                                    Text Banking
 I Home Path Purchases
   (no appraisal necessary on                                                                                                Instead of “Debit”
                                                                                                                             to Save Money
   this type of purchase)
 I Refinance Option
 I Home Equity Lines of Credit
 I FHA Loans
                                                                                            is Here!                         When you swipe your debit card,
                                                                                                                             merchants or card machines may
                                                                                            With mobile text banking,        ask you to choose between “debit”
 I Fixed Rate Second Mortgages
                                                                                            you can: text message            or “credit”. While your credit union
 1st Valley Credit Union, along with                                                        requests and receive text        charges no debit card fees, some
 CU Partners, is here to help you find                                                                                                         merchants charge
                                                                                            message replies on the
 the best loan for you and can help                                                                                                            a point of sale
 you see if you can prequalify.                                                             available balance on                               fee whenever you
                                                                                            accounts of enrolled                               select the “debit”
 CU Partners is a division of Stearns Lending,                                              memberships at any
 Inc., a Mortgage Banking Company, serving the                                                                                                 option. To avoid
 credit union industry. Equal Housing Lender.                                               time, you can also               paying fees, remember to press the
 Licensed by the Department of Corporations                                                 select to have e-Alerts,         “credit” option when you swipe your
 under the Residential Mortgage Lending Act. All                                                                             card. A signature will be all that’s
 Program and Terms are subject to change with-
                                                                                            such as balance alerts,
 out notice. Some products are not available in                                             sent to their mobile             required and you’ll be on your way.
 all states. Trade/service marks are the property                                           devices in the form
 of Stearns Lending, Inc., and its subsidiaries,          Sign up today!                    of a text message, giving
                                                                                                                             1st Valley CU Debit Card makes
 and/or business partners. Stearns Lending, Inc.,            Log-on to “It’s Me 247”                                         shopping quick and easy. You can
 is an FHA Approved Lending Institution, and is         at, click on “Go    you timely feedback when         skip the hassle of writing a check.
 not acting on behalf of or at the direction of        Mobile” and “Text Banking Home”      your available funds drop        Use your 1st Valley CU debit card
 HUD/FHA or the Federal Government. Stearns
 Lending, Inc., Corporate Headquarters is located
                                                                   to get started.          below a desired level.           anywhere you see the VISA logo!
 at 4 Hutton Centre Drive, Suite 500, Santa Ana,
 CA 92707. Office 800-350-LEND.                     401 West 2nd St, San Bernardino, CA 92401 • 909-889-0838 •              SPRING 2012

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