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FIVE QUICK CAR BUYING TIPS

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FIVE QUICK CAR BUYING TIPS Powered By Docstoc
					                                 SUMMER 2012




                             FIVE QUICK
                            CAR BUYING
                                   TIPS
                                 How to get
New Lower Auto
Loan Rates                   a great deal on
Plus special Members-          your next car
only incentives

Mobile Banking & eDeposit
24/7 access to
your accounts

Get Help with
Summer Expenses
with a personal loan
                                                                                                                                                  5
Find the                                            • NEW LOWER RATES: as low as 1.99% APR on
                                                      new cars; 2.49% APR on used cars1
                                                                                                                                                                    quiCk tiPs                                      1    Come Prepared
                                                                                                                                                                                                                          Knowledge is power. And knowing what the dealer
                                                                                                                                                                                                                                                                                         Need Some Help
                                                                                                                                                                                                                                                                                         with Summer
Right Ride
                                                                                                                                                                                                                    paid for the vehicle you want is fundamental to confidently
                                                                                                                                                                     for getting the car                            negotiating a good deal for yourself. You always want to             Expenses?
                                                    • Get an additional 0.50% off your rate when you                                                                 you want, at the                               start the negotiation process from the dealer invoice price,
this summeR                                           purchase your vehicle through Enterprise or                                                                    price you want.
                                                                                                                                                                                                                    not the sticker price. Edmunds.com can help you determine
                                                                                                                                                                                                                    what dealers pay for the make and model of the vehicle you
                                                                                                                                                                                                                                                                                         We can help you with personal loan
                                                                                                                                                                                                                                                                                         rates as low as 11.9% APR and terms
                                                                                                                                                                                                                    want to buy.                                                         up to 60 months.4 With a little extra

New low rates and cash-                               AutoNation Direct2                                                                                                                                                                                                                 in your pocket, you can tackle a


                                                                                                                                                                                                                    2
                                                                                                                                                  If the thought of heading into negotiations with a car                   stay Focused                                                  home improvement project, take
saving incentives on new                            • Members-only pricing on select popular new                                                  dealer makes you anxious, you’re not alone. After all,                   It can be nerve-wracking sitting across from the              a family trip, or just make sure
                                                                                                                                                  the average person buys a new car maybe once every                salesperson. They know it. Which is why discussions                  unexpected expenses are covered.
and used auto loans                                   and used models                                                                                                                                               sometimes careen off in different directions with talk about         Call, go online, or visit a nearby
                                                                                                                                                  few years, while dealers sell hundreds every week.                financing or add-ons you don’t want. If the dealer starts            branch to apply today.
With rates as low as 1.99% APR1 for                 • Enterprise will appraise your vehicle using                                                 Fortunately, there are techniques that will not only
                                                                                                                                                                                                                    tossing out topics that stray from the conversation, bring the
new cars, and 2.49% APR1 for used cars,                                                                                                                                                                             dialogue back to talking strictly about the price you want.
                                                      Kelley Blue Book® Trade-In Value and add $1,0003                                            help you remain calm, cool and collected during

                                                                                                                                                                                                                    3
there’s no better time to find a new,
                                                                                                                                                  the negotiation process, but that can also keep the                      maintain Control
or new-to-you car. And you can lower                                                                                                                                                                                        Remaining emotionally detached from what is
your rate another 0.50% when you buy                                                                                                              advantage on your side of the table.                              happening around you is critical during the negotiation
                                                    Here’s what you could save on a $20,000 auto loan when you purchase
through Enterprise or AutoNation Direct.2                                                                                                                                                                           process. It’s important to take your time, and never to feel
                                                          through AutoNation Direct or Enterprise and finance with us:                                                                                              like you have to purchase a car on the spot. If you feel you’re
If you’re thinking about purchasing a new
or used vehicle, check out details                        60-Month New Car Loan                                     APR             Payment
                                                                                                                                                     Let Us Help You Find and                                       being rushed into a decision, recognize what’s happening
                                                                                                                                                                                                                    and be prepared to turn and walk out the door.
on all of our summer incentives at                                                                                                                   Fund Your Next Car
                                                                                                                                                                                                                    4
                                                          Bank Average                                             3.74%            $365.99
schoolsfirstfcu.org/summerofsavings.                                                                                                                                                                                       Be Friendly But Firm
                                                          SchoolsFirst FCU + 0.50% Rate Reduction                  1.49%             $346.11         If you don’t want to haggle, relax and let us help                    Contentious interactions with the dealership won’t
                                                                                                                                                     with our auto buying services through Enterprise               help the process, and may actually hinder your efforts.
                                                          savings with schoolsFirst FCu                          monthly:            $19.88                                                                         Keeping things light—and even injecting some levity into the
                                                                                            Over the Life of the Loan:              $1,192.71
                                                                                                                                                     and AutoNation Direct.
                                                                                                                                                                                                                    discussions—signals to the salesperson that you know how           Stay Safe Online
                                                                                                                                                                                                                    to negotiate.
                                                                                                                                                     You’ll receive:                                                                                                                           These simple tips can help
                                                          60-Month Used Car Loan

                                                          Bank Average
                                                                                                                   APR

                                                                                                                   3.88%
                                                                                                                                    Payment

                                                                                                                                    $367.25
                                                                                                                                                            Expert, Personal Service

                                                                                                                                                            Purchasing Convenience
                                                                                                                                                                                                                    5      Leave Your number
                                                                                                                                                                                                                           Finally, when negotiations seem to stall, give your
                                                                                                                                                                                                                    phone number to the salesperson as you stand to leave. Say
                                                                                                                                                                                                                                                                                               prevent you from becoming
                                                                                                                                                                                                                                                                                               a victim of identity theft:
                                                                                                                                                                                                                                                                                       Keep your personal info personal
                                                                                                                                                                                                                    you like the car, but not at the dealer’s current price and that
                                                          SchoolsFirst FCU + 0.50% Rate Reduction                  1.99%            $350.47                 Members-only Discounts                                                                                                     Only give out personal information
                                                                                                                                                                                                                    you would appreciate a call when the price comes down.
                                                          savings with schoolsFirst FCu                          monthly:            $16.78                                                                         Just be prepared to follow through if this does not elicit the     online to trusted sources. Avoid
                                                                                                                                                            Honest Pricing                                                                                                             disclosing personal financial
                                                                                                                                                                                                                    response or price you want.
                                                                                            Over the Life of the Loan:             $1,006.83                                                                                                                                           information when using public
                                                                                                                                                     Explore our auto buying services online at
                                                                                                                                                                                                                    Car buying may seem like an overwhelming process, but              wireless connections.
                                                                                                                                                     schoolsfirstfcu.org.
                                                           Payments and savings examples are estimates. Rate quoted is our best rate. Your rate                                                                     if you do your research and come prepared, you can get
                                                              may vary. Bank average APR obtained via published information as of 6/13/12.
                                                                                                                                                                                                                    the car you want at the right price.                               Never click on links sent in
                                                                                                                                                                                                                                                                                       unsolicited emails
                                                                                                                                                                                                                                                                                       Instead, type in a web address you

24/7 Banking made even easieR                                                                                                                                The eDeposit app features an intuitive user interface that is quick and easy to use. Just enter your
                                                                                                                                                                 check amount, take a photo of the front and back of the check and submit! It’s that easy.
                                                                                                                                                                                                                                                                                       know. Use firewalls, anti-spyware,
                                                                                                                                                                                                                                                                                       and anti-virus software to protect
                                                                                                                                                                                                                                                                                       your home computer, and keep
access your accounts with mobile and text Banking                     get text reminders and automatic notifications with ealerts                                                                                                                                                      the software up to date.
With our free, easy-to-use Mobile Banking app and your                eAlerts automatically update you about your Checking,
                                                                                                                                                                                                                                                                                       Check your settings in
smartphone, you’ll enjoy 24/7 banking accessibility and               Savings, and Loan accounts with messages sent to your                                                                                                                                                            peer-to-peer software
convenience. You can check account balances, confirm                  email address, text-enabled device, or both. Sign up for                                                                                                                                                         Be sure peer-to-peer file sharing
deposits, schedule credit card and loan payments, transfer            eAlerts in Online Banking.                                                                                                                                                                                       settings don’t point to directories
money between your own accounts or to another Member,                                                                                                                                                                                                                                  with sensitive or personal
                                                                      deposit checks from anywhere, anytime with edeposit
                                                                                                                                                                                                                                                                                       information.
and much more.                                                        Introducing the eDeposit app, free for your iPhone®. It lets
                                                                                                                                                                                                                                                                                       Choose your password carefully
Our Mobile Banking apps are available for your iPhone ®
                                                                      you scan checks using your phone’s camera, and deposit
                                                                                                                                                                                                                                                                                       Use password combinations that
and Blackberry®. For all other smartphones, including                 them directly into your SchoolsFirst FCU account. It’s safe,
                                                                                                                                                                                                                                                                                       consist of random combinations
Android™, you can access your account through your browser            secure and simple. Download it from the iTunes® Store today.                                                                                                                                                     of numbers, letters and symbols.
at schoolsfirstfcu.mobi. To learn more and register, visit            Data and text charges may apply. Check with your mobile provider.                  Log in                        Choose Deposit              Enter dollar amount and              Images are uploaded and
schoolsfirstfcu.org/mobile.                                                                                                                                                                                                                                                            Source: Federal Trade Commission, ftc.gov
                                                                                                                                                                                                                     snap check photos                  your deposit is complete
                                                                                       Real Member,
                                                                                                             Real Savings
                                                                                                                 Sharon Schultz and her husband Rick
                                                                                                                 weren’t considering refinancing their
                                                                                                                 mortgage, but after seeing the Credit                                                     HOME
                                                                                                                 Union’s low rates at our Member                                                           BUYING
                                                                                                                 Rewards Day event, they realized they
                                                                                                                 could save a lot without much hassle.                                                     WORkSHOPS
                                                                                                                 During a follow-up meeting at their local
        Rudy Hanley,
  President and CEO                                                                                              branch, they filled out an application to                                                 Our free real estate seminars offer the
                                                                                                                 refinance their 30-year mortgage into a                                                   perfect forum to learn about different types
                                                                                                                 15-year mortgage at a lower rate.                                                         of mortgage loans, refinancing options, and
Retirement planning has always                                                                                                                                                                             current market considerations.
                                                                                                                 With no upfront costs and just a slightly
been important, but never more
                                                                                                                 higher monthly payment, the Schultzes                                                     Thursday, July 19
so than today, given some of the                                                                                 will pay off their mortgage 11 years                                                      6:30 to 8 p.m.
uncertainties created by the current                                                                             sooner and save nearly $115,000 in                                                        Riverside-University Branch
economy and related developments.                                                                                interest.                                                                                 1209 University Avenue
                                                                                                                 Sharon Schultz                                                                            Riverside, CA 92507
Finding a reliable, trustworthy                                                                                  Retired Classified Employee
and knowledgeable advisor who                                                                                    Placentia-Yorba Linda USD                                                                 Thursday, July 26 & Tuesday, August 28
                                                                                                                 Member since 2006                                                                         6:30 to 8 p.m.
is familiar and committed to
                                                                                                                                                                                                           SchoolsFirst FCU
serve your best interests is clearly                                                                                                                                                                       Tustin Administrative Office
                                                     “They took the time to explain the whole process, which made it really easy
important.                                            to understand what was going on. When you’re refinancing your mortgage,                                                                              15442 Newport Avenue
                                                      you want to make sure you’re making the right decision. The process with                                                                             Tustin, CA 92780
Your SchoolsFirst FCU Membership                      SchoolsFirst FCU was wonderful. It was so easy.”                                                                                                     To register, visit
includes the benefit of complimentary                                                                         Payoff and savings results vary depending on qualifying rate and loan term.                  schoolsfirstfcu.org/workshops.
investment and retirement services,
as well as the opportunity to work
with a financial advisor5 who has your       Home Advantage
best interests at heart. Our financial                  Enroll in Home Advantage                            • 20% rebate from First Team Real Estate6                                                     • Reduced rate on purchases for 12 months9
advisors are all licensed and have an                   and you’ll get a team of                                                                                                                            with your SchoolsFirst FCU Visa®
                                                                                                            • 20% discount on Hallmark/Coast
average of 11 years experience helping                  experienced advisors to
                                                                                                              Cities Escrow services7                                                                     • The SchoolsFirst FCU Service Guaranty:
                                             help make the home buying and
Members make the right decisions                                                                                                                                                                            if your loan doesn’t close on time,
                                             selling process easy and affordable,                           • 10% discount on a home warranty from
about their savings and investments.                                                                                                                                                                        we’ll give you $30010
                                             with Members-only discounts.                                     First American Home Buyers Protection8
Together, they can chart a course that
                                             Enroll today at schoolsfirstfcu.firstteam.com
is tailored to your individual needs and
help you prepare for the future.
                                                                         We’re Here For You
If you’re a school employee, we
                                              Holiday Notice             Go Online                           TellerPhone                                                    ATM Locations
have special expertise to help you                                       schoolsfirstfcu.org                 800.540.4546                                                   Visit our website or mobile app for a complete listing of
create a program that complements             All SchoolsFirst FCU       Call Us                             Mobile and Text Banking                                                28,000 fee-free ATMs nationwide, or simply text*
                                              locations will be closed   800.462.8328                        schoolsfirstfcu.org/mobile                                             your address, intersection or ZIP Code to 692667
the special retirement provided               in observance of the
                                                                                                                                                                                    to find one near you on-the-spot.
                                              following holidays:        Visit a Branch                      Facebook and Twitter
through the state system. We offer                                                                                                                                                        * Data and text charges may apply. Check with your mobile provider.
investment and retirement products            Wednesday, July 4
                                              Independence Day                                          Please recycle.    Federally Insured by NCUA
that are specially designed for
                                                                         1. Our auto loan program features a range of rates based on various factors, including the applicant’s credit rating. Rates as of 7/1/12 are 1.99%-18% APR on new autos and 2.49%-18% APR on used autos.
school employees.                             Monday, Sept. 3            Lowest rates reflect a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. Estimated monthly payments range from $1.52-$3.62 per $100 borrowed. Maximum term based
                                              Labor Day                  on various factors including amount financed. 2. Offer valid 7/1/12 - 7/31/12. Member’s approved rate will be reduced by 0.50% when Member purchases a vehicle through AutoNation Direct or Enterprise
                                                                         Used Car Sales and finances with SchoolsFirst FCU. 3. Kelley Blue Book Trade-In Values used by Enterprise are obtained from (c) 2012 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value
The summer may be a good time                                            is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In
                                                                         Value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty
to focus on planning for your                                            trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required
                                                                         proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car
retirement with a complimentary                                          Sales Manager. Offer void where prohibited including AK, KY, LA, NE, NM, OK, OR, SC, TX and VA. Offer valid on 7/1/12 – 7/31/12. Cannot be combined with any other offers. 4. Our loan program features
                                                                         a range of rates based on a variety of factors, including the applicant’s credit rating. Personal loan rates as of 7/1/12 range from 11.90%-18% APR and are subject to change. Estimated payments per $100
financial consultation.                       Emergency Card             borrowed range from $2.22-$3.62; minimum payment $25; term based on a variety of factors, including amount borrowed. Lowest APR quoted includes a 0.75% discount for automatic payment transfer
                                              Support                    from your SchoolsFirst FCU account. 5. Representatives are registered, securities are sold, and investment advisory services are offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/
                                                                         SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Non-deposit investment and insurance products are not federally insured, involve
                                              Available 365 days         investment risk, may lose value, and are not obligations of or guaranteed by SchoolsFirst FCU. CBSI is under contract with SchoolsFirst FCU, through the financial services program, to make securities
No matter what your goals for the             a year from 5 a.m.         available to Members. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. 6. Rebate payment is made by First Team Real Estate and is credited to
                                              to 12 a.m.                 your benefit at the close of transaction. Purchase price must be greater than $150,000. First Team Real Estate is not affiliated with SchoolsFirst FCU. Ask for details. 7. Guaranty paid by Hallmark Escrow
future are, we are here to help.                                         at the close of transaction. Hallmark/Coast Cities Escrow is not affiliated with SchoolsFirst FCU. 8. First American Home Buyers Protection is not affiliated with SchoolsFirst FCU. 9. Applies only to first lien
                                                                         position purchase transactions closed and funded with SchoolsFirst FCU. 10. Program applies only to first lien position purchase transactions closed and funded with SchoolsFirst FCU. Guaranty is void
                                         3                               if: a. A delayed closing is due to Member’s actions or omissions or is due to the delays caused by a third party. b. Member changes loan terms subsequent to us providing a guaranteed closing date. In
                                                                         the unlikely event that SchoolsFirst FCU causes a delayed closing due to circumstances beyond its control, and does not proactively refund payment under the terms of this guaranty, Member must notify
                                                                         SchoolsFirst FCU within 90 days of the closing date.

				
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posted:7/3/2012
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