AU G U S T 2 010 Last Chance to Win a Summer Escape 1 Win a Trip Back to YOU Loan New or Used Autos: Same Great Rate! to the World Series 2 As low as 6.9% APR for 12 months 3 As low as 2.99% APR4 Compare Our Low Rates Last Chance to Win a Low Interest Credit Card % 14.35% 14 12.99% 12 10.99% 10.15% The sun is setting on our Summer 10 8.50% 8 Escape Sweepstakes. Don’t miss this SchoolsFirst FCU 6 Bank Average Wells Fargo 4 chance to review your loans and save B Of A Chase 2 0 with SchoolsFirst FCU. 36 Mo. New Auto Loan % 1 Fund a New or Used Auto Loan—get the same low rate 7 6.74% SchoolsFirst FCU whether you buy a new or used auto, with rates as low as 6.19% 6 2.99% APR. Plus: escape payments for the first 90 days!4 5 4.06% 2 4 3.35% 2.99% Open a SchoolsFirst FCU VISA Credit Card— 3 Bank Average rates as low as 8.5% APR5 Wells Fargo 2 1 B Of A Chase 3 0 Make a VISA Balance Transfer—rates as low as 8.5% APR5 36 Mo. Used Auto Loan 4 % Apply for a Home Loan6—purchase, refinance, or 7 6.74% 6.70% 6.74% 6.52% SchoolsFirst FCU equity loan/line of credit programs 6 5 3.85% 4.11% 3.85% 4.11% Grand Prize – includes airfare for two; a 7-day cruise around 4 2.99% 2.99% the Hawaiian Islands; and $200 for excursions! 3 Bank Average 2 Wells Fargo “Mini” Escapes – a Hornblower dinner/dance cruise or a hot 1 B Of A Chase air balloon ride over the Temecula wine valley are yours to win! 0 Visit www.SchoolsFirstfcu.org/SummerEscape to learn more. All rates quoted are APRs as of 07/19/10. Bank rate sources available upon request. Win a Trip to the 2010 MLB World Series2 Mortgage Rates are Historically Low! SchoolsFirst FCU and MasterCard® are giving you and three friends the Let us put you in the home of chance to attend a game at this year’s Major League Baseball World Series. your dreams or make your current From August 1 through September 15, each time you use your dream home more affordable! SchoolsFirst FCU Debit MasterCard® as “credit” instead of entering We offer: your PIN, you’ll be automatically entered to win2. • Fantastically low rates • No hidden fees SWIPE & Grand Prize: 4 Tickets to a 2010 MLB World Series Game! • Down payments as low as 5% SIGN TO Plus: Roundtrip airfare, two night’s hotel There’s no better time to ENTER! accommodations, and a $500 MasterCard® gift card! purchase or refinance your Ten lucky first-place winners will also receive an MLB home with the people and Authenticated® autographed baseball. the place you trust. Contact a real estate loan consultant at For complete details and sweepstakes rules, visit www.priceless.com/gameday. 800.462.8328, ext. 8288. Free Membership for New or Used Cars: Kids Offer Extended7! Same GREAT Rates! Extended by popular demand: Members’ SchoolsFirst FCU wants to put you in a new or children and grandchildren7 under age 18 can “new-to-you” car this month—and to help, we’re join SchoolsFirst FCU for free through the end offering the same low rates whether you finance a of the month! new or used car with us! Help a child understand the importance of saving Looking to refinance? This offer is good for that too! by opening an account for them at your credit union. Stop into a branch to sign up your child • Rates as low as 2.99% APR4 on a new for a Junior Varsity or Varsity Account today. or used vehicle • Terms up to 72 months • Plus: make no payments for the first 90 days4! For more information, visit www.SchoolsFirstfcu.org Back to YOU Loan >> Loans & Credit Cards >> Autos. Summer is coming to an end, a new school year is just around the corner, and chances are you have extra expenses. Car Buying Step 1. BUY with Peace Let your Personal Auto Consultant Whether you need to purchase new clothes from AutoNation Direct find the for the kids or stock up on this semester’s books, of Mind right car for you at a Member- SchoolsFirst FCU discounted price. Borrow up to $50,000 has you covered Let us make at rates as low as … with the Back to the process Step 2. FINANCE YOU Loan. comfortable & Rates as low as 2.99% APR4 6.90% APR3 for 12 months for BOTH new and used vehicles. 7.90% APR3 for 24 months This loan can be uncomplicated. 8.90% APR for 36 months 3 used for virtually Step 3. INSURE anything, but Get a fast, free auto insurance don’t wait long! It’s only available August 1 – quote8 on the policy that best fits September 30, 2010. Apply today. your needs. Visit us at www.SchoolsFirstfcu.org TRY TODAY! or call 800.462.8328 When SchoolsFirst FCU processed Lisa’s Real Member application, she was pleasantly surprised to receive Real Savings immediate approval at 5.9% APR for 48 months. By lowering her rate and extending her term just a few months, SchoolsFirst FCU was able to lower Lisa’s At the suggestion of her brother, a longtime monthly payment from $497 to $311—a savings of SchoolsFirst FCU Member, Lisa M.* recently visited $186 per month! the credit union to open a new Membership and try Lisa says she is thrilled with the amount of money the to refinance her dealer-financed auto loan. credit union saved her. When Lisa purchased her vehicle three years earlier, How much can YOU save with SchoolsFirst FCU? Stop she was offered an 11.99% APR with a payment of into a branch, visit us at nearly $500 per month. As a single mother of two, the www.SchoolsFirstfcu.org monthly payment had become burdensome, but Lisa or call 800.462.8328 to We saved Lisa* $186 was skeptical that anything could be done to lower find out today. per month. How much her payment. Her brother assured her she would be *Name has been changed can we save you? taken care of at the credit union—and he was right! at Member’s request You Ask “Fill the Bus” School Supplies Drive We Answer SchoolsFirst FCU wants to help K-12 kids start the school year right. We’re kicking off our “Fill the Bus” Q: I keep hearing about gap School Supplies Drive to collect the essentials for a successful academic year. insurance. What is it and do I need it? All this month, Members can drop off brand new supplies or gift cards at any of our branches or A: Gap insurance, as a general rule, is express centers. We’ll work with local an insurance product that covers the school districts to distribute items to difference between what your car is worth students in need. All donations and what you owe on the car in the event will benefit local schools. it is stolen or damaged beyond repair while you are still making payments on the For a list of needed supplies, vehicle. Typically, gap insurance is offered visit www.SchoolsFirstfcu.org as an option when you purchase a car, or any of our locations. and it can come at a high price. At SchoolsFirst FCU, we offer a comparable product called Guaranteed Asset Protection (GAP)9 for a flat fee of Plan Your Financial Future at $395. GAP is a plan designed to cover a Complimentary Workshop the difference between your loan balance Learn how to calculate the cost of your retirement, and the settlement provided by your auto make informed investment decisions, and take a insurance carrier. In addition, GAP will balanced approach to investing to help achieve cover your auto insurance deductible, up your retirement goals. to $1,000. This protection could potentially save you Retirement Strategies10 thousands of dollars out-of-pocket, and August 18 @ 5:30 p.m. is worth considering when you purchase, Santa Ana Branch finance, and insure your next vehicle with To register, visit SchoolsFirst FCU. www.SchoolsFirstFcu.org/workshops Call us to find out more. or call 800.462.8328. Web Site Mailing Address New Saturday Hours ATM Locations www.SchoolsFirstfcu.org P.O. Box 11547 Mission Viejo and Visit our Web site for Santa Ana, CA, 92711-1547 Placentia branches a complete listing of Telephone Service Center Open 9 a.m. to 2 p.m. SchoolsFirst FCU and 800.462.8328 Branch Hours Express Center Hours surcharge-free Monday – Friday Monday – Thursday Monday – Friday CO-OP 7 a.m. to 7 p.m. 9 a.m. to 5 p.m. 10 a.m. to 6 p.m. Network ATMs. Teller Phone Friday 9 a.m. to 6 p.m. Saturday 800.540.4546 Saturday * 10 a.m. to 3 p.m. Please recycle. Emergency Card Support 9 a.m. to 2 p.m. Campus Branches Available 365 days a year from * See our Web site for Call for hours 5 a.m. to 12 a.m. select locations Federally insured by NCUA. 1. NO PURCHASE NECESSARY TO ENTER OR WIN. Sweepstakes runs from 06/01/10 - 08/31/10. Optional entry may be made by printing your full name, address, and telephone number on a 3” x 5” card and mailing the card in a sealed envelope to: SchoolsFirst FCU, Attention: “Summer Escape” Sweepstakes, PO Box 11547, Santa Ana, CA 92711-1547. Official rules can be obtained by mailing a request to the same address or at any branch. 2. NO PURCHASE NECESSARY TO ENTER OR WIN. Sweepstakes runs from 08/01/10 – 09/15/10. For optional entry methods and official rules, visit www.priceless.com/gameday. 3. This loan program features a range of interest rates based on a variety of factors, including the applicant’s credit rating. Rates as of 8/1/10 range from 6.9% - 17.25% APR. Lowest rate reflects a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. Estimated monthly payment ranges from $3.18 - $9.14 per $100 borrowed, minimum payment $25. 4. Our auto loan program features a range of rates based on various factors, including the applicant’s credit rating. Rates as of 8/1/10 range from 2.99% to 18% APR. Lowest rate reflects a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. Estimated monthly payments range from $1.60 - $3.62 per $100 borrowed. No payment for 90 days offer expires 8/31/10. 5. Our credit card program features a range of rates based on a variety of factors, including the applicant’s credit rating. Rates as of 08/01/10 range from 8.5% to 17.9% APR for purchases and balance transfers and 13.5% to 17.9% APR for cash advances. Foreign transaction fee 2% of the transaction amount. Variable rate, subject to increase after account opening. Rewards and secured card programs available, ask for details. 6. Home loan application must be completed, including credit and income documentation, for automatic entry. 7. “Free” refers to the waiver of the $15 Membership Fee. $5 minimum deposit required to establish and maintain Membership. Referring family member’s account must be in good standing. Grandchildren of Members are eligible; however, when under age 12, the child’s Membership must be opened by the child’s parent or legal guardian. 8. Offered through Member Insurance Services. CA Insurance License 0581192. 9. Certain portions of the outstanding loan balance may not be covered. Please consult a SchoolsFirst FCU representative, or refer to the GAP Waiver Addendum Election form for additional information on benefit maximums, eligibility, and limitations. GAP is not insurance, not a deposit, is not federally insured by the NCUSIF, and is not underwritten or guaranteed by SchoolsFirst FCU. 10. 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. Nondeposit investment and insurance products are not federally insured, involve 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 available to Members. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America.
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