BANKING FOR EVERYONE SM Friends and family can join at schools.org or any branch. December 2005 Schools Financial Credit Union Better Value. Outstanding Service.SM Low Mortgage Rates for Special Borrowers! For a limited time1, Schools Financial Credit Union is participating in the nationwide Home Loan Payment Relief (HLPR) Program, aimed at borrowers with household incomes at or below the median in their market. Schools is among many credit unions across the country that will begin offering this new mortgage product, focusing on helping lower- income borrowers afford a home! The program includes: • 3/1 ARM loan with a rate set as low as 1% below the national average The Visa $1.5 Million • 100% financing with no Private Mortgage Insurance (PMI) required Holiday Giveaway • No down payment required (gifts or grants permitted and can be used for closing costs) Wraps up the Biggest Prize • Owner Occupied, Primary Residence2 Package of the Season Credit unions are about “People Helping People” from all walks of life. With this new HLPR To find out more, visit your nearest loan, we’re giving our members a greater opportunity to purchase a home and begin to Schools branch or go to schools.org. build wealth as the equity in their home accumulates. To apply, contact a Real Estate Loan Counselor at 916-569-5473 (Sacramento area) or ‘Tis the Season of 800-962-0990, ext. 5473. 1 The Credit Union has committed a specified dollar amount to this program. Loans will be available until that amount is Holiday Giving met. Qualification based on Program guidelines. 2 Refinances are not eligible for this offer. The Bobby Jackson Gift Drive Schools is sponsoring the Bobby Jackson Gift Drive, an event where Bobby Jackson Always a Perfect Fit personally delivers donated gifts to families in need during the holiday With the Schools Visa® season. Look for gift barrels in your local Schools branch where new, unwrapped toys, books and clothes (for all ages) may Gift Card! be donated. It can be hard to come up with the perfect gift for everyone Make Holiday Donations at Schools on your holiday list. So Schools is offering you the perfect Revel in the holiday spirit this season — fit for everyone — the Schools Visa Gift Card. These cards right at your Schools branch. Now through can be purchased easily in various denominations at December 31st, you can purchase a schools.org. Have them sent to you or directly to all the Children’s Miracle Network (CMN) stocking people on your gift list. You can even personalize every gift for just $1 or an Entertainment Book for card for each recipient. $40 (and $10 goes to CMN) at any Schools Because the Visa Gift Card is accepted everywhere Visa Debit is accepted, it offers branch. CMN raises funds for children’s shopping convenience for all your friends and family. So, they can use it at their favorite hospitals, and most of the CMN funds stores to buy exactly the gift they wanted this year. So make some major progress on your raised in the Sacramento area are donated holiday shopping this year by giving the Schools Visa Gift Card. Visit schools.org today, to the UC Davis Children’s Hospital. and have your holiday shopping done in minutes. Schools Members Save on Dental Benefits BOARD OF DIRECTORS E.J. Houghton, Jr., Chairman With Dental Benefits Plus3 R.E. Kramnic, Vice Chairman R.D. Allegre, Treasurer G.L. Ross, Secretary Schools has partnered with Dental Benefits Plus E. Martinez, Director T. Matista, Director to provide savings on your dental and other T. Tafoya, Director health care needs. With Dental Benefits Plus, you PRESIDENT/CEO can enjoy savings up to 50 percent on virtually all Jim Jordan your dental needs such as cleanings, braces or SUPERVISORY COMMITTEE D.L. Graham, Chairman crowns. You can also save up to 60 percent on prescription drugs, vision or chiropractic care. D.E. Bleekman, Secretary G.A. Smith For $11.95 (individual) or $14.95 (family) a month, you can choose from thousands of dentists and specialists nationwide with: EDITOR: Nathan Schmidt • No qualifying • No claim forms ASSISTANT EDITOR: Dara Gibbs • No exclusions for pre-existing conditions • No waiting periods CALL CENTER, LOAN BY PHONE, & AUDIO TELLER 916-569-5400 (Sacramento area) • No deductibles • A 30-day money-back guarantee 800-962-0990 For more information or to enroll, visit schools.org or call 800-818-(PLUS)7587. ONLINE BANKING schools.org 3 This product is not insurance. Benefits provided only through participating providers. There is a one time Enrollment Fee of $10.00. 30-day money-back guarantee includes Enrollment Fee. Pay by credit card or Credit Union account debit. Dental BRANCH LOCATIONS Network is provided by Signature Agency, Inc., a GE Financial Company. Colorado & Maryland residents are subject to • EAST BIDWELL • MANAGER: CINDY MASSA $1.00 minimum fee per service, Washington residents are subject to $10.00 minimum fee per service. 2600 E. Bidwell Street, Suite 100 Folsom, CA 95630 Shared Branching • ELK GROVE • MANAGER: GREGORY BAINTER 9645 Elk Grove-Florin Road Means Convenience Elk Grove, CA 95624 • FOLSOM BOULEVARD • MANAGER: JOSEPH TUSCHAK 8725 Folsom Boulevard Did you know that Schools is part of the Sacramento, CA 95826 CU Service Centers® Network, which allows • FRUITRIDGE/FREEPORT • MANAGER: TAMMY CARLILE 1631 Claudia Drive On-the-spot Credit Union financing and you to access your account in the lobbies Sacramento, CA 95822 low rates will be available! For directions of more than 1,000 credit unions locally • LAGUNA • MANAGER: GREGORY BAINTER or more information, visit schools.org. and worldwide? So when it’s more 7400 Laguna Boulevard, Suite 202 convenient, you can do most of your Elk Grove, CA 95758 • MADISON AVENUE • MANAGER: DEBRA GREENLEE Roseville Automall banking in the lobby of the credit union 5210 Madison Avenue December 9-11, 2005 down the street rather than drive the extra Sacramento, CA 95841 Doors open at 9:00 a.m. daily blocks or miles to your Schools branch. • NATOMAS • MANAGER: PAUL GUTIERREZ 2051 Natomas Crossing Drive Make deposits or cash withdrawals, buy Sacramento, CA 95834 counter checks and more.4 Among the • ORANGEVALE • MANAGER: BONNIE GLANTZ 6000 Main Avenue credit union cooperative, we call this Orangevale, CA 95662 service “shared branching,” and it’s just • PLACERVILLE • MANAGER: FRAN OSWALD another way that all credit unions work 4278 Golden Center Drive, Suite 100 Placerville, CA 95667 together to make the credit union way of • ROSEVILLE • MANAGER: CAROL LOVE life more convenient for its members. 1601 Douglas Boulevard Shared branching is also ideal when you’re Roseville, CA 95661 Schools Financial Credit Union will be • YUBA CITY/MARYSVILLE • MANAGER: JANET MCCOLLEY away on vacation or business in another closed in observance of the following 1055 Gray Avenue city or state. Maybe you chose Schools Yuba City, CA 95991 holidays: because it’s near your workplace, but why Christmas Eve (close at 1 p.m.) CU AUTO SALES LOCATIONS not make weekend banking more • SACRAMENTO • 3249 Fulton Avenue Saturday, December 24, 2005 convenient by using a shared branch? • ROSEVILLE • 901 Riverside Avenue Products, services, terms, and rates are accurate as of Christmas Day (observed) For a shared branch location near you, 11/30/2005. Contact the Call Center for the most recent Monday, December 26, 2005 visit schools.org or call 916-569-5400 information. (Sacramento area) or 800-962-0990. New Year’s Eve (close at 1 p.m.) Saturday, December 31, 2005 New Year’s Day (observed) 4 Service limitations and low fees may apply for certain Monday, January 2, 2006 services. For more information about service availability, locations or fees, look for the CU Service Centers link on schools.org or ask your branch representative.
Pages to are hidden for
"Always a Perfect Fit With the Schools Visa庐 Gift Card_ Low Mortgage "Please download to view full document