How to get
New Lower Auto
Loan Rates a great deal on
Plus special Members- your next car
Mobile Banking & eDeposit
24/7 access to
Get Help with
with a personal loan
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
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
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
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
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
You’ll receive: These simple tips can help
60-Month Used Car Loan
Expert, Personal Service
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.
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
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
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
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
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
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.