F a l l 2011
from Stan Abrams,
Switch Swipe Swap
It"s the 1-2-3 way to save money now! A s a follow-up to my announcement
to the membership on July 29,
2011, the Kearny Mesa Branch, 9212
Switch to low energy bills. Balboa Avenue, and the Morena Trolley
Branch, 5375 Napa Street, officially
Even in sunny San Diego, there is money to be saved on
energy bills. Let"s face it, air conditioners don"t run on love. closed on September 30, 2011.
That"s why METRO"s new Energy Efficient Loans are just what
you need to turn on the savings. As a not-for-profit credit union and
business based in San Diego, SDMCU
Look around and you" ll see many ways you could make your has faced many financial challenges
home more energy efficient, save money and improve the over the last several years, similar to
value of your home! what our membership has been, and
• Better windows & doors • Improved insulation & roofing
is currently facing. As a result, we are
• Energy efficient appliances, • Solar energy systems
heating & air conditioning working to reduce our operating costs
and to improve net income.
METRO" s Energy Efficient Loans are the low cost way to switch your home into a
model of efficiency. We offer: Although these branch offices have
• Rates as low as 5.99%APR • Loan amounts up to $50,000 closed, the ATM machines at both
• Repayment terms up to 15 years • No points, application fees or down payments locations are fully operational and
• Tax credits may be available** surcharge-free to our members.
Visit SwitchSwipeSwap.com today to learn more and to locate a licensed I also invite you to visit our three other
specialist near you. full-service branches:
*APR = Annual Percentage Rate. Rates and terms are effective 9/1/11 and are subject to change without notice. Rate stated includes a
0.25% discount for automatic payments. Energy Efficient Loan rates, with automatic payments, begin as low as 5.99%APR for a term of up
to 60 months, and are based on a certain level of credit worthiness. Based upon a 5.99%APR and 60-month term, monthly payments would
be $19.33 per $1,000 borrowed. Rates for a 15-year term start as low as 7.99% APR for a monthly payment of $9.55 per $1,000 borrowed. All Chula Vista Metro Centre
loans are subject to credit approval. Other rates and terms are available. Restrictions and conditions may apply.
** Consult your tax advisor.
344 F Street 320 B Street
Chula Vista San Diego
Swipe away high credit card debt in November. Parkway Plaza
119 Fletcher Parkway
A September 7, 2011 national survey said " Credit card rates stay
at record highs." This survey showed the average credit card rate El Cajon
is 14.94%. But METRO offers a Platinum VISA" starting at a much
lower rate! Visit SwitchSwipeSwap.com to see how much lower. I encourage you to take advantage of
the CU Service Center Shared Branching
Starting November 1 and running through December 31, 2011, Network, where you can perform many
METRO VISA Platinum and Platinum Rewards card holders will basic banking transactions for free.
receive a special promotional rate for all purchases, cash advances and balance
transfers. If you don" t already have a METRO VISA credit card, apply today to take
advantage of this limited time offer.* Swipe away higher priced credit cards today! For details and operating hours for our
*All loans are subject to credit approval. Rates may vary based on credit worthiness. New Visa Platinum or Platinum Rewards card
Chula Vista, Metro Centre and Parkway
must be issued by October 31, 2011 to qualify for the special promotional rate on purchases made between 11/1/11 and 12/31/11.
For rates and terms, visit us online at SwitchSwipeSwap.com, speak with a Member Service Representative at any of our branch
Plaza branch offices, as well as the
locations, or give us a call at 619.297.4835. convenient locations of shared branches,
please visit our website at www.sdmcu.org.
Swap for a better car loan now. Thank you for your continued loyalty
METRO has always satisfied our member"s driving ambitions. And and support.
now through December 31, 2011, we can get your savings into gear.
When you drive with METRO, you"ll enjoy:
• Rates as low as 2.99%APR* • Low or no down payment Please see the
• New, used or refinanced • No payments for 90-days**
FEdERAl PRIVACy NOTICE
Get the car you need or make the one you already have a lot more affordable. that is included with your
Visit SwitchSwipeSwap.com to learn more or to apply online for a loan today! September month-end
*APR = Annual Percentage Rate. Rates and terms are effective 9/1/11 and are subject to change without notice. All loans are subject to
credit approval. Vehicle Loan rates, with automatic payments, begin as low as 2.99%APR for a term of up to 72 months, and are based on a statement. Or, you may view
certain level of credit worthiness. Based upon a 2.99%APR and 72-month term, monthly payments would be $15.19 per $1,000 borrowed. No
additional discounts may be used in conjunction with stated rate. Other rates and terms are available. Restrictions and conditions may apply. our Privacy Notices on our
** 90-Day Payment Deferral - Offer is for qualified borrowers and interest will accrue from date of loan booking. Does not apply to all rate
programs. website at www.sdmcu.org.
It’s Quick & Easy to
MANAgE yOUR FINANCES ONlINE
Pay Bills Online! date: Friday, October 21 Time: 12:00 pm " 1:00 pm
ou" re in control when you pay Kearny Mesa Corporate Office
your bills online. And right now 9212 Balboa Avenue, San Diego
when you sign-up for METRO" s free
BillPay, simplicity " and up to $15 cash " To RSVP for this workshop, please
can be yours! email email@example.com or call 619.297.4835.
It" s easy so get started. Here" s how:
• Visit the MetroNet Online Banking
section of our website at
METRO: In the Palm of Your Hand…
www.sdmcu.org With Text Banking!
• Enroll in BillPay during the month of
October or November, pay 3 bills and
get $10" then get $1 for the next 5 bills
you pay during the month of enrollment. M ETRO is excited to offer members the convenience of Text Banking with Sprig,
provided by FSCC" s Shared Branch Network.
Hurry, this offer ends November 30, If you can text from your mobile phone, you can use Sprig to access your account
information no matter where you are. You have access to your finances " right in the
2011. Sign up today!
palm of your hand.
Eligibility for BillPay Credit: (1) Members must enroll as a new
online BillPay user during the month of October and pay 3 bills
using METRO" s BillPay service to earn $10, and are eligible for $1 It"s easy to get started:
for each of the next 5 bills they pay by October 31, 2011; Or (2)
Members must enroll as a new online BillPay user during the month
of November and pay 3 bills using METRO" s BillPay service to earn
• Visit textbanking.cuswirl.com
$10, and are eligible for $1 for each of the next 5 bills they pay by
November 30, 2011. Maximum BillPay incentive is $15. For complete
• Complete registration set-up
Terms and Conditions, visit our website at www.sdmcu.org. • Begin texting keywords, such as BAl, to 40293
A full list of text commands is available at textbanking.cuswirl.com.
Sprig Text Banking is powered by FSCC" s Shared Branch Network. There is no fee for the Text Banking service, however, standard text-messaging
rates apply. Check with your mobile phone provider. One mobile number per membership.
Credit Unions Build a Better World—
Celebrate 2012: The International
Why Throw Away
Your Money? Year of Cooperatives!
Member-Discounts A t some point, you" ve probably
wondered what the difference is
between credit unions and other financial
of the 2012 IYC. Cooperatives address
the common goals of their members.
Cooperative principles include:
institutions. In reality, many differences
T hrough the Invest In America
program, METRO members can
take advantage of the Sprint Credit
exist, but the short of it is this: Credit
unions exist to help people, not to make
a profit. That difference resulted in San
• Voluntary & open membership
• Democratic member control
• Member economic participation
Diego Metropolitan Credit Union being • Autonomy & independence
Union Member Discount Plan to save
established as a financial cooperative • Education, training, & information
on their new or existing Sprint rather than a bank. Although we don" t • Concern for community.
wireless services. sell groceries or farming supplies or elec- • Cooperation among cooperatives
tricity, we share the same prin-
METRO members can enjoy the ciples as other cooperatives. At These principles underscore the
following benefits: a cooperative, you" re a mem- cooperative values of self-help,
ber/owner, not a customer. self-responsibility, democracy,
• 10% off most regularly priced Sprint equality, equity, and solidarity.
service plans In order to increase public As financial cooperatives, credit
• Discount on equipment and awareness of cooperatives and unions are much more than
accessories promote their formation and money lenders and holders.
• Waived activation fee on new growth, the United Nations Like all cooperatives, we stand
activations General Assembly has designat- for the power of people helping
• Waived upgrade fee ed 2012 as the International Year people. Credit unions are prime
of Cooperatives (IYC) with the examples of how the cooperative
It"s easy to enroll in the Sprint Credit theme " Cooperative Enterprises spirit transforms individuals and
Union Member Discount Plan through Build a Better World." advances communities, the first
steps toward building a better world.
the following methods:
As financial cooperatives that stand on
Click: www.SprintSave4CU.com social responsibility and economic viabil- To celebrate International Credit Union
Call: 877.SAVE.4.CU (877.728.3428) ity, credit unions play a substantial role day on Thursday, October 20, 2011, we
in the global cooperative movement. In are having an Open House at each of our
Visit: Sprint Retail Store Location 97 countries, close to 186 million people branch locations. We invite you to stop
are members of credit unions. Credit by so that we may thank you for trusting
Be sure to mention that you are a unions around the world have taken that METRO to take care of you. We have only
Credit Union Member and provide the message to heart and adapted it for their your best interests in mind.
Corporate ID: NACUC_ZZM. International Credit Union Day celebration
on October 20, 2011, which is the launch We look forward to seeing you!
SDMCU We Serve
InTheCommunITy We gratefully acknowledge
and thank our "p artners" for
their ongoing support.
Giving Blood to Commemorate City of San Diego
Municipal Employees Association
the 10th Anniversary of 9/11! Police Officers Association
AFSCME Local 127
n the true credit union spirit of individuals passing by the blood mobile Centre City Development Corporation
" people helping people" , San Diego donated more than 17 pints of blood.
San Diego Convention Center Corporation
Metropolitan Credit Union
hosted its 12th Annual Participants enjoyed San Diego Data Processing Corporation
Blood Drive, benefiting refreshments donated by San Diego Historical Society
the San diego Blood Unique Deli, and were entered San Diego Housing Commission
Bank, on Friday, into an hourly drawing for
San Diego Humane Society & SPCA
September 9, 2011. prizes donated by the San
In honor of the 10th Anniversary of 9/11, Diego Padres, Souplantation, Carl" s Jr., Unified Port of San Diego
METRO members, employees, and many Maple Street, and the Credit Union. San Diego County Regional Airport Authority
Metropolitan Transit System
Museum of Man
Natural History Museum
Energy Efficient Loan Program Reuben H. Fleet Science Center
San Diego Aerospace Museum
Success Stories September, 2011 Greater Golden Hill Development Corporation
Southeastern Development Corporation
an Diego Metropolitan Credit Union is pleased to offer an Energy Efficient Loan
Program. Only qualified contractors with an A or B rating by the BBB and certified Zoological Society of San Diego
by the CCSE (California Center for Sustainable Energy) are working with METRO to American Systems Corporation
offer households an affordable way to save on their energy bills by installing energy Architects Delawie Wilkes Rodrigues Barker
Bay City Electronics
Please read the comments below from San Diego Metropolitan Credit Union members Calumet Auto Wrecking Inc.
who used one of the licensed specialists from the list that is available on our website Carrier Johnson
at www.sdmcu.org. City Wide Electronic Services
ContacTours and Charter Services
Pete and Brenda d.
" We researched 7 solar companies and financing as well. Tom at SunCraft told us
about the San Diego Metropolitan Credit Union Energy Efficient Loan Program which CUBIC Corporation
was so much less expensive and easier to obtain than the financing currently available. Debt-Free America
SunCraft did all of the paperwork for us and all we did was go to the San Diego Demko Drywall
Metropolitan Credit Union local branch and sign the papers, received the check DG Plumbing
and had SunCraft install the solar panels which are up and running. San Diego
Metropolitan Credit Union"s Energy Efficient Loan can also be amortized once during Diego & Son Printing, Inc.
the life of the loan. The other financing out there has 15 year financing with a DLA Piper Rudnick Gray Cary US LLP
balloon payment after 5 years. We expect to save 80% on our electricity bills." Fire and Ice Heating & Air Conditioning, Inc.
Flag Crafters, Inc.
" I read about SunCraft Solar in our Rancho Bernardo community newspaper. I had
already interviewed 3 solar companies. SunCraft had the best offer for financing Highland Partnership, Inc.
through the Energy Efficient Loan Program offered by San Diego Metropolitan Credit Jeld-Wen Windows & Doors
Union. They took care of all the paperwork. All I had to do was meet them at SDMCU Klinedinst PC
to sign the loan papers. The project took only one month from interview to installation. L3 Communication
This program is a big help to households looking to reduce their bills and I am very
LAN Solutions, LLC
excited about it."
MotoWorld of El Cajon
METRO Performance Label International, Inc.
PG Series Inc.
Investment Services Primus Painting Concept
Prudential Overall Supply
Rick"s RV Center
• Specializing in Retirement and Estate Conservation
S & D Precision Machine Shop
• Receive ongoing guidance to help you stay on course for the long term.
• Schedule your free personal one-on-one investment and retirement Spec-Built Systems, Inc.
planning consultation today! Sun Diego Charter Co.
Sutherland Group, LTD
Wendy Cundari, CRPC 619.278.5992 Direct
The Geo Group, Inc.
Financial Advisor 619.297.4835 Main
The Pasha Group
CA License No. OA32064 firstname.lastname@example.org
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services,
Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, Western Towing
toll-free (866) 512-6109. Non-deposit investment and insurance products are not federally insured, involve investment risk,
may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial Westfield Shoppingtown
institution, through the financial services program, to make securities available to members.
W e salute all our volunteer
Board of Directors and
Supervisory Committee members for
their continued commitment to SDMCU. SDMCUConsumerCorner
Board of Directors
Keep Passwords Strong, Secret, and Safe!
Charles Yackly, Chair
D. Cruz Gonzalez, Vice Chair
Mike Rich, Secretary/Treasurer
K eep your computer" s content secure
by creating strong passwords, keeping
them secret, and keeping track of them.
tests as weak, make it more complex.
Some password don" ts include using:
Michael Ahlering A compromised password could lead to • Personal information such as family
Robert Lawrence identity theft or other dire consequences. names, birthdays, or your address
Ronald Yagura A criminal could use your information to • Sequences or repeated numbers, like
Dominick Boccia apply for credit cards or mortgages, or to abcd, 1234, or 9999
make online purchases or other transactions. • Any words listed in a dictionary" they" re
Supervisory Committee easy for scammers to guess
Dan Kelley, Chair The first rule of thumb for creating
strong passwords is to use a differ- To help you keep track of your passwords,
Michelle Villa, Vice Chair write them down and store the list
Georgianna Widmark, Secretary/ ent password for each of your
accounts. It may be easier to where others won"t find it, but in a
Treasurer place you"l l remember. Don"t share
Scott Chadwick keep track of just one pass-
word, but if a crook discovers your passwords with others"
Jeff Sturak children, particularly, may
that one password, he or she
can access all of your accounts. unwittingly pass them on to
H OL I DAY S others. And don"t enter them into
The second key to a robust computers in public places" these
password is to make it lengthy. machines may have malicious
At a minimum, your passwords software that can capture your
Monday, October 10
should be eight digits long, and 14 digits keystrokes for a criminal" s use.
Veterans Day or more is ideal. Using the greatest variety
Friday, November 11 of characters possible in your passwords" If a password is compromised, monitor
letters, numbers, symbols" makes them all protected information for suspicious
thanksgiving Day harder to guess or decipher. activity. If you see such activity, notify
Thursday, November 24 the authorities and contact your financial
After creating your password, you can test institution for help with related financial
Christmas Day - observed its strength with one of the " password matters. But remember, the stronger your
Monday, December 26 checkers" available online such as passwords, the less likely they will
Closing at Noon Saturday, December 24 Microsoft" s Password checker and The become compromised.
New year"s day - Observed Password Meter. Use your search engine to Excerpts from this story came from the Credit Union National
Monday, January 2 locate these and others. If your password Association.
Closing at Noon Saturday, December 31
What"s your Score?
Day And night Services
www.sdmcu.org: Internet banking, news & more Who" s keeping score? The credit industry is. Every time you apply for a new
Mailing Address: P.O. Box 719099 credit card, a mortgage, perhaps even an insurance policy or a job, your
San Diego, CA 92171-9099 application is judged in part on your credit score.
Metroline: 24-hour automated phone service A credit score is a three-digit number that lenders use to objectively measure
619.291.7101 or 800.829.1919
your creditworthiness. Each lender sets different ranges for what it considers
Call Center: 619.297.4835 " good" and " bad" credit scores. Consumers with lower credit scores often pay
Toll free 888.90.SDMCU (907.3628) higher interest rates on mortgages and credit cards because they" re viewed as
Full Service Phone Branch: riskier customers (based on a scale of approximately 900 being a high score).
M - TH: 8 am - 5 pm; F: 8 am - 6 pm
After Hours Support:
Available 24 hours a day, 7 days a week Federal law entitles you to a free copy of your credit report (a.k.a. credit
file disclosure), once every 12 months, from each of the three major credit
Chula Vista Branch reporting agencies: Equifax, Experian and TransUnion.
344 F Street, Chula Vista, CA 91910-2645
M, T, TH, F: 9 am - 5 pm; W: 10 am - 5 pm
To order your free credit report call 1.877.322.8228, or for instant access to
Metro Centre Branch your free credit report, visit www.annualcreditreport.com.
320 B Street, San Diego, CA 92101-4204
M, T, TH: 8:30 am - 4 pm; W: 10 am - 4 pm
F: 8:30 am - 5 pm
Parkway Plaza Branch
119 Fletcher Parkway, El Cajon, CA 92020-2510 YES! I" M IntEREStED In thE FolloWInG"
M, T, TH, F: 9 am - 5 pm; W: 10 am - 5 pm
Sat: 9 am - 2 pm Vehicle Loans VISA Credit Cards Energy Efficient/Solar Loans METRO Investment Services
Please call e-mail mail Other__________________
CU Service Centers: For a list of local branches,
Daytime Phone Number ( __ )_____________________________________________________________
Printed on recycled paper
This credit union is federally
insured by The National Credit
notice to Members: The Supervisory Committee of San Diego
City__________________________________ State ___________ Zip ____________
Metropolitan Credit Union is comprised of member volunteers whose
duties include protecting the financial welfare of the membership
and overseeing Credit Union policy. Any member who feels the Credit
Union has acted in violation of member rights may write to: Dan Kelley,
Supervisory Committee Chair, C/O San Diego Metropolitan Credit Union, Mail coupon to: SDMCU, P.O. Box 719099, San Diego, CA 92171-9099
P.O. Box 719099, San Diego, CA 92171-9099.