Last Chance to Win a Summer Escape1 by wuyunyi

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									                                                                         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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