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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