O c t O b e r 2008
Flexible Five Puts You In Control!
5-Year Term Account OffER h
BEEN Ex AS
B y popular demand, we have extended our Flexible
Five Term Account special! Now until November 30,
2008, you can earn up to 4.50%APY* on our Flexible Five ou too can help the environment
Certificate or Individual Retirement Account. Earn our while earning some extra cash
standard 4.25%APY* for a 5-year term, and enjoy a .25% for yourself! When you sign up to view
rate bonus if you open your Account with new funds. statements and pay bills online, you
will not only get cash for going green
You have the flexibility to make one penalty-free withdrawal you also can make significant strides
during the term, up to 50% of the original principal toward safeguarding the environment.
amount, so you’re in control of your account. We’ll keep
your funds safe and sound, with federal insurance by And, now through October 31, 2008,
NCUA up to $100,000 per depositor. IRAs are separately when you enroll in METRO’s free
insured up to $250,000. BillPay and pay 10 bills online, you’ll
receive $10.00! Already enrolled in
This special offer is available through November 30, BillPay but haven’t used it lately?
2008 so don’t delay! Give us a call at 619.297.4835 or That’s OK – pay 10 bills online
visit your nearest SDMCU branch and open a regular or IRA Certificate today. before October 31 and you’ll also
*APY = Annual Percentage Yield. Rates and terms effective 9/1/08 and are subject to change without notice. Rate bonus offer ends 11/30/08
and cannot be combined with any other special or offer. APY of 4.50% applies to new funds only. Minimum opening deposit for Certificate or IRA
Account is $500. One penalty-free withdrawal, up to 50% of the original principal amount, allowed during the term. Any additional withdrawals As part of the “It’s So Easy to Be
subject to normal penalties.
Green!” promotion, our online provider
will donate $100,000 to the Arbor
Day Foundation to help plant
Rrrev Up To Go Green. Save Green, Too. 100,000 trees.
Rate Discount of .50% on Fuel-Efficient Paying bills online has never been
easier! Call us today at 619.297.4835
Vehicle & Motorcycle Loans or visit www.sdmcu.org, log on
to online banking, click on the
Bill Payment button and follow the
G one are the days when motorcycles and motor
scooters were just a recreational “toy”. Now
they serve a more eco-friendly purpose - transportation.
Please note: Individuals must have an eligible SDMCU
Checking Account to receive the offer. Offer applies to
With the high cost of gas looming over us, the idea of individuals who enroll in SDMCU’s BillPay and set up ten (10)
payments online that process between September 15, 2008
a more fuel-efficient vehicle, including a motorcycle, and October 31, 2008. A $10.00 credit will be deposited into
an eligible Checking Account on or about December 15, 2008.
has become more popular, and green. Offer is valid for a maximum deposit of $10.00 per individual.
For full details, please see the Terms and Conditions available
on our website at www.sdmcu.org.
We’re making it easier to go green, too, by offering
a .50% rate discount when you finance your fuel-
efficient vehicle purchase with METRO. What are you
waiting for? Now is the perfect time to purchase a motorcycle or that new model hybrid
vehicle you’ve had your eye on. You’ll save green, too, because of our low rates – as low
as 5.99%APR* with automatic payments.
Loans from METRO are fast, easy & convenient and offer: Discounted Movie Tickets
• Auto loan rates as low as 5.99%APR* with automatic payments Save up to $3.50 per ticket
• Motorcycle loan rates as low as 7.74%APR* with automatic payments
• A rate discount of 1/2% when you buy a qualifying fuel-efficient vehicle or motorcycle Next time you plan to go to the movies,
• An additional discount of 1/4% for Relationship Rewards Members stop by one of our branches first to
• Flexible terms purchase your tickets, and save up to
$3.50 per ticket! We generally have
Got a current vehicle loan with another financial institution? Visit any branch or give us a tickets available for:
call to see if we can lower your rate, or your monthly payment, or both by refinancing! Regal Theaters @ $7.00 each
*APR = Annual Percentage Rate. Rates and terms are effective 9/1/08 and are subject to change without notice. Auto loan rates, with automatic
AMC Theaters @ $7.50 each
payment, begin as low as 5.99%APR for a term of up to 72 months, and are based upon credit worthiness. Based upon a 5.99%APR and a 72-month
term, monthly payments would be $16.57 per $1,000 borrowed. Motorcycle loan rates, with automatic payment, begin as low as 7.74%APR for a term
of up to 72 months, and are based upon credit worthiness. Based upon a 7.74%APR and a 72-month term, monthly payments would be $17.41 per
For more information, give us a call
$1,000 borrowed. In order to qualify for the .50% fuel-efficient rate discount, vehicles must be listed by American Council for an Energy Efficient at 619.297.4835 or visit a branch
Economy (ACEEE) and recognized by the IRS as qualifying for a tax credit. Motorcycles or motor scooters must meet DMV guidelines. Rate discount
may be combined with regular automatic payment, insurance and/or Relationship Rewards discounts, up to a maximum of .75%. All loans are location today!
subject to credit approval. Other restrictions and conditions may apply.
Please note: Ticket purchase limited to tickets available
Accounts Make Sense
I f you’re saving for a big-ticket item
or looking for a place to park some
money while you decide where to
invest it, a Money Market Account from
METRO is just what you need.
Don’t let the name scare you. Money
market accounts are just savings
accounts with a twist: You meet a
higher minimum balance and you SiMplE STEpS To MAking YouR
earn more money. There’s no term
for maturity, so there’s no penalty for MonEY go FARThER
early withdrawal. There are monthly
withdrawal limits, however, your
money is always easily accessible. iD pRoTEcTion MAnAging YouR
You’ll also enjoy these features: Learn how to take control of FinAncES onlinE
your personal information Learn helpful tips for using the
• No monthly service charges and avoid identity theft. Internet, Internet banking and
• Minimum balances as low as $1,000
• Balance tiers of $1,000, $10,000, Date: Tuesday, october 28 our free BillPay services to better
$25,000, $50,000 & $90,000 Time: 11:30 am – 12:30 pm manage your daily finances.
• Deposits federally insured by
NCUA up to $100,000 per depositor Date: Tuesday, november 18
Time: 11:30 am – 12:30 pm
If you have a large savings balance,
it makes sense to make the most of it. BuDgETing BASicS
Give us a call at 619.297.4835 and ask
about our Money Market Account today. Gain expert financial insight on building
a budget, paying down debt and learn
tips and tricks for saving.
Date: Wednesday, november 19
Surcharge-Free ATMs… Time: 11:30 am – 12:30 pm
At Your Fingertips!
kearny Mesa Branch, 9212 Balboa Avenue, San Diego
To RSVp for any of our workshops,
email firstname.lastname@example.org or call 619.278.5724.
Ghosts & Goblins Beware…
2nd Annual Pumpkins at the Park
Literally! Now when you’re on-the-go
without an SDMCU branch close by, you
can text MYCOOP (692667) from any mobile
phone* to find a CO-OP Network
surcharge-free ATM that’s convenient
It’s easy. Here’s how:
• Text MYCOOP (692667) from a mobile
• Enter an address or intersection, with
city, state & zip
S an Diego Metropolitan Credit Union is proud to act as presenting sponsor of the
San Diego Zoo’s 2nd Annual Wild Animal Park Halloween Event Pumpkins At The
Park, taking place October 25-26 and November 1-2, 2008.
• Receive a reply in about 30 seconds
with a CO-OP Network surcharge-free Festivities during the event include:
ATM nearest to that location
• Costume contests for kids & teens
You can also download the entire
CO-OP Network database of 25,000 • Scarecrow stuffing & pumpkin carving demonstrations
surcharge-free ATMs directly to your • A stroll through Extinct Animal Graveyard
GPS navigation device such as Garmin,
• Spooky food, eerie entertainment & more
TomTom and Route 66.
For more information, visit our website To learn more about the events or to purchase your tickets to San Diego Zoo’s
at www.sdmcu.org and select ATM Wild Animal Park, click on Pumpkins At The Park link on our website homepage
directory from the Information Center at www.sdmcu.org.
pull down menu.
*Standard text-messaging rates apply. Check with your mobile
SDMcu We gratefully acknowledge
and thank our “partners” for
InthecOmmunIty their on-going support.
City of San Diego
Municipal Employees Association
Police Officers Association
AFSCME Local 127
Centre City Development Corporation
The American Red Cross San Diego Convention Center Corporation
San Diego Data Processing Corporation
Visits Credit Union San Diego Historical Society
2008 Blood Drive San Diego Housing Commission
San Diego Humane Society & SPCA
Unified Port of San Diego
I n the true credit union spirit of
“people helping people”, San Diego
Metropolitan Credit Union hosted its 9th
to see our staff,
San Diego County Regional Airport Authority
Metropolitan Transit System
Annual Blood Drive, benefiting the San show their Museum of Man
Diego Chapter of the American Red Cross, support at this Natural History Museum
on Friday, August 8, 2008. event to make Reuben H. Fleet Science Center
it a success. We San Diego Aerospace Museum
Twenty-three are helping to
SDMCU members save lives,” said SDMCU’s Enedina Diaz and Natalie Greater Golden Hill Development Corporation
and employees Natalie Bradley, Bradley work at the blood drive Southeastern Development Corporation
successfully SDMCU’s registration table as they talk with
donated blood a member.
Membership Zoological Society of San Diego
during the five- Development Administrator.
hour drive, at a American Systems Corporation
time when the During the drive, participants enjoyed Architects Delawie Wilkes Rodrigues Barker
blood supply in snacks donated by Grab & Go Subs Bay City Electronics
Steve Peterson, a member of
SDMCU’s Facilities Department, San Diego was and Pat & Oscar’s Restaurant, Parkway
Calumet Auto Wrecking Inc.
gets “connected” to donate at its lowest Plaza location. Participants were also
blood. level. “This was entered into an hourly drawing for prizes Carrier Johnson
my first time coordinating a blood drive donated by the San Diego Chargers, City Wide Electronic Services
for the Credit Union. It was so rewarding Starbucks, and the Credit Union. ContacTours and Charter Services
My Credit Union: It Belongs To Me! Demko Drywall
Join Us for International CU Day Diego & Son Printing, Inc.
DLA Piper Rudnick Gray Cary US LLP
Fire and Ice Heating & Air Conditioning, Inc.
W e’re celebrating a special day,
and you’re part of it! Join us
on Thursday, October 16 to celebrate
that credit union members save
approximately $240* a year per house-
hold. Take full advantage of your METRO
Flag Crafters, Inc.
Highland Partnership, Inc.
International Credit membership today. Meet
Jeld-Wen Windows & Doors
Union day. This year’s your borrowing and savings
theme is “My Credit needs with our member Klinedinst PC
Union: It Belongs to Me”, friendly, low-priced services. L3 Communication
and we are celebrating LAN Solutions, LLC
the history, tradition, and This International Credit
spirit of the international Union day, we thank you
credit union movement— for your membership and Morgan’s Monograms
and those who own it. for being part of the credit MotoWorld of El Cajon
union difference. Please let Performance Label International, Inc.
Credit unions exist to us know how we’re doing
PG Series Inc.
provide a safe, convenient and what might make your
place for members to credit union membership Primus Painting Concept
save money and to get even more beneficial to you! Prudential Overall Supply
loans at reasonable *According to data from the Credit Union National Rick’s RV Center
rates. Statistics show Association (CUNA).
S & D Precision Machine Shop
Spec-Built Systems, Inc
Sun Diego Charter Co.
In honor of International Credit Union our “It Belongs To Me” Sweepstakes Sutherland Group, LTD
day, for each new account or loan for your chance to win one of five The Geo Group, Inc.
you open during the week of October Zoological Society Dual Memberships, The Pasha Group
13-18, you will receive an entry into drawn for each day of the week! Western Mechanical
W e salute all our volunteer
Board of Directors and
Supervisory Committee members
for their continued commitment college Students Easy Targets for iD Thieves
oung adults—between the ages of For the eighth year
Board of Directors 18 and 24—are at the greatest risk in a row, identity
of becoming victims, says the Javelin 2008 theft tops FTC’s list
Marcia McLatchy, Chair Identity Fraud Survey Report, because of consumer fraud
Ronald Villa, Vice Chair they are less likely to take precautionary complaints. Here are
Charles Yackly, Secretary/ measures to protect their identity. Below a few ways college
Treasurer are a few examples of how college students students can avoid
D. Cruz Gonzalez are at risk for identity theft: becoming a victim:
Michael Ahlering Credit card companies routinely visit • Keep your credit
Robert Lawrence college campuses with offers of free card, SSN, and
Boyd Long t-shirts in exchange for SSN, addresses, other personal data in a secure place.
Marcia Samuels phone numbers, and other personal • Shred sensitive documents.
Ronald Yagura information. • Don’t let your mail pile up if you are out
You may know your identity thief. • Review credit card and bank statements.
Supervisory committee College students often live in close • Protect your computer with firewalls;
Michael Rich, Chair quarters—roommates can have access avoid unfamiliar links or files.
Michelle Lawrence, Vice Chair to all your personal data.
Dan Kelley, Secretary/Treasurer To learn more about how to avoid falling
Bob Ferrier Public computers are convenient and victim to identity theft, attend our free
located all over campus—coffee shops, Id Protection Workshop, on Tuesday,
Anita Murphy libraries, and other university buildings. October 28. Please see Workshops
Students entering personal information Schedule on page 2.
in these computers are vulnerable. Excerpts from this story came from the Credit Union National Association.
Day And night Services columbus Day christmas Eve
www.sdmcu.org: Internet banking, news & more Monday, October 13 Wednesday, December 24 – closing at Noon
Metroline: 24-hour automated phone service christmas Day
619.291.7101 or 800.829.1919
Veterans Day Thursday, December 25
Tuesday, November 11
phone Branch: 619.297.4835 new Year’s Eve
M-F: 8 am - 6 pm Thanksgiving Day Wednesday, December 31 – closing at Noon
Mailing address: P.O. Box 719099, Thursday, November 27 new Year’s Day
San Diego, CA 92171-9099
Thursday, January 1
cu Service centers: For a list of 22 local branches,
chula Vista Branch
344 F Street, Chula Vista, CA 91910-2645
ANNUAl MEETING NOTICE
M, T: 9 am - 5 pm, W: 10 am - 5 pm
Th: 9 am - 5 pm, F: 9:30 am - 6 pm
Tuesday, January 27 at 5:00 p.m.
kearny Mesa Branch
9212 Balboa Avenue, San Diego, CA 92123-1514 Board Room – kearny Mesa
M, T: 9 am - 5 pm, W: 10 am - 5 pm, Th, F: 9 am - 5 pm
9212 Balboa Avenue – San Diego
Metro centre Branch
320 B Street, San Diego, CA 92101-4204
M, T: 8:30 am - 4 pm, W: 10 am - 4 pm
Th: 8:30 am - 4 pm, F: 8:30 am - 5 pm
A s a member-owned, democratically-
controlled financial institution, San
Diego Metropolitan Credit Union holds
parkway plaza Branch an Annual Meeting in which the election
119 Parkway Plaza, El Cajon, CA 92020-2510 of our volunteer Board of Directors and
M, T: 9 am - 5 pm, W: 10 pm - 5 pm Supervisory Committee is conducted. We
Th: 9 am - 5 pm, F: 9 am - 6 pm, Sat: 9 am - 2 pm
invite all members to attend. To reserve a
Morena Trolley Branch space, please call 619.297.4835.
5375 Napa Street, Ste. 101, San Diego, CA 92110-2646
M, T: 9 am – 5 pm, W: 10 am – 5 pm, Th: 9 am – 5 pm,
F: 9:30 am – 6 pm, Sat: 9 am – 2 pm
Scripps Ranch Shared Branch
YES! i’M inTERESTED in ThE FolloWing…
at cabrillo credit union
10075 Carroll Canyon, San Diego, CA 92131-1169 Fuel-efficient Loan Money Market Term Account BillPay Other____________________
M-Th: 8:30 am – 4:30 pm, F: 8:30 am – 5:00 pm please call e-mail mail
Daytime Phone Number ( __ )_____________________________________________________________
Printed on recycled paper
notice to Members: The Supervisory Committee of San Diego
Metropolitan Credit Union is comprised of member volunteers whose
duties include protecting the financial welfare of the membership and
City__________________________________ State ___________ Zip ____________
overseeing Credit Union policy. Any member who feels the Credit Union
has acted in violation of member rights may write to: Michael Rich,
Supervisory Committee Chair, C/O San Diego Metropolitan Credit Union,
P.O. Box 719099, San Diego, CA 92171-9099.
Mail coupon to: SDMCU, P.O. Box 719099, San Diego, CA 92171-9099