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					                                                                                                                                                          F   a l l    2011

                                                                                                                                                  Important Message
                                                                                                                                                  from Stan Abrams,

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                                                                                                                                                SDMCU President/CEO

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 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 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, 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

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 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
                                                                                  FREE Financial
It’s Quick & Easy to
                                                                                                         MANAgE yOUR FINANCES ONlINE
   Pay Bills Online!                                                                            date: Friday, October 21 Time: 12:00 pm " 1:00 pm

                                                                                                                         Workshop Location:
      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 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…                                                            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
$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               • Begin texting keywords, such as BAl, to 40293

                                                                        A full list of text commands is available at
                                                                        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!
     Sprint Offers
   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:                                            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!
                                                                                                                                               Member Groups
                              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
efficient solutions.
                                                                                                                                        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                                                                                                                       City Wide Electronic Services
                                                                                                                                        ContacTours and Charter Services
 Pete and Brenda d.
                                                                                                                                        CP Kelco
" 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.
Recela M.
                                                                                                                                        Fleishman-Hillard, 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."
                                                                                                                                        Marlins Rentals
                                                                                                                                        Morgan"s Monograms
                                                                                                                                        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                          
                                                                                                                                        Western Mechanical
      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.
Our Volunteers

 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
 Marcia McLatchy,
                                                                                   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
                  Columbus Day
                                                                                    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 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
  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,
                                                                                 Name  _____________________________________________________________
                                                                                 Daytime Phone Number ( __ )_____________________________________________________________

                                                                                 E-Mail Address__________________________________________________________
                                                     Printed on recycled paper
                   This credit union is federally
                  insured by The National Credit
                                                                                 Mailing Address___________________________________________________________
                      Union Administration.

  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.

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