Visa Rewards Coming in August
Earn valuable reward points each time you use your SFCU Visa® card! CU Rewards awards you with free travel and premium merchandise.
Visa Cardholders, watch your mail for your Rewards program invitation!
Travel Rewards
Use your points for travel anywhere in the world. Your points may be used for rental cars, airfare, lodging—even a cruise!
Merchandise Options
Choose from name-brand merchandise awards, including electronics, sporting goods, home furnishings and fine jewelry. With redemption levels starting as low as 2,500 points, it's easy to earn credit for the things you want. Tracking or redeeming your points is as simple as going to www.curewards.com.
The more you expand your SFCU relationship, the more points you earn towards a great vacation or valuable merchandise. For more information about CU Rewards or to apply for an SFCU Visa, go to www.sfcu.org. Click on Loan Click to apply. CU Rewards program begins in August and reward points begin accruing with purchases and other SFCU reward programs on August 1, 2005.
J U LY
2 0 0 5
A PUBLICATION OF STANFORD FEDERAL CREDIT UNION
Seminars and Events
These seminars and events are available to SFCU members, family, friends and the community. All seminars are free. Reserve your seat by e-mailing us at seminars@sfcu.org.
“Women & Financial Planning” Tuesday, July 19, 5:30 to 7 p.m. Pampas Lane “Home Buying” Wednesday, July 27, 5:30 to 7 p.m. Pampas Lane “Home Buying” (in Spanish) Thursday, August 25, 5:30 to 7 p.m. Page Mill Road “Home Buying” Wednesday, August 31, 5:30 to 7 p.m. Pampas Lane
The More You Turn to SFCU, the More We Reward You
Now more than ever, the SFCU Visa card should be your card of choice. Plus, you’ll earn additional reward points if you have an SFCU Visa card and you finance a home, vehicle, boat or RV loan with SFCU!
SFCU Has the Right Visa Card for You!
Whether you choose SFCU's Classic Visa or Platinum Visa card, you'll enjoy a wide variety of benefits and rewards!
Platinum Visa Benefits and Rewards
• FREE CU Rewards program! Earn points for every $1 charged • Low rate based on Prime + 5.5% • No annual fee • Credit lines up to $30,000 • Visa Personal Identity Theft Coverage up to $1,000 • Auto rental collision damage waiver • $500,000 in travel accident insurance • Visa Purchase Security and Extended Protection Program up to $500 per claim • 24-hour member service If you’re ready to start enjoying all the convenience, benefits AND REWARDS of an SFCU Visa, apply at www.sfcu.org in time to start earning rewards in August.
*CU Rewards program annual fee is not waived. All loans are subject to credit approval.
Classic Visa Benefits and Rewards
• Great low rate • Annual fee is waived if card is used 6 times or more per year* • Low monthly payment of 2.5% or $20 (whichever is greater) • 25-day “true” grace period • 24-hour member service • eStatements via CUOnline • FREE $200,000 Accidental Death and Dismemberment Insurance coverage (when commercial carrier travel is paid for with your SFCU Visa) • CU Rewards program available for a low annual fee of just $45—Earn points for every $1 charged
Increased Money Management Account Rates! An interest reward that allows your money to work harder. Check rates at www.sfcu.org.
Graduating Student Auto Loan features
Graduating Student Auto Loan—Your Reward for Making It!
SFCU’s Graduating Student Auto Loan features: • 100% financing • Rate as low as 4.25% APR* • No payments for the first four months** • Affordable monthly payments Show us proof you’ve graduated and we’ll show you how you can soon be driving the car you want.
*APR=Annual Percentage Rate. Maximum loan amount with this offer is $25K. Minimum loan rate is 4.25% APR and includes rate discounts and automatic transfer payment from Stanford CU Account into which a regular periodic electronic deposit is made equal to or greater than the payment amount via ACH (SFCU originating or receiving); otherwise rate will increase .50%. Rate discounts are as follows: 50% discount with a Student Checking Account. .50% discount for qualified co-signer. .25% discount if you’re a member of the Stanford Alumni Association. This promotion is not valid in conjunction with any other SFCU special offer. Offer good through 09/30/05. Ask for program rate sheet for current rate. All loans are subject to approval. **Interest still accrues.
The Top Rated Cars for New Grads
Diplomas fresh in hand, this year’s grads are ready to take on the world. SFCU can help you ease into a new set of wheels that will suit your budget and style. According to Edmonds.com, 2005’s top-rated cars for new graduates are: Ford Escape Hybrid – Space and fuel efficiency in this little SUV. Honda Civic – A thoughtfully designed, easy-to-drive car that looks great. Kia Sportage – This stellar little car offers everything people love about SUVs. Mazda 3 – A sexy, sub-$20K car that features techno-chic interior, a great warranty and great handling. Mercedes-Benz C230 Sport Sedan – A base price under $30K offers a generous amount of creature comforts and proven safety technology. Mini Cooper – At 12 feet long, no car is easier to park than a Mini Cooper.
100% financing, a rate as low as 4.25% APR and no payments for the first 4 months!
Scion xA – Take mechanical superiority and wrap it up in an attractive, decidedly mature wrapper. Scion tC – As affordable as a Toyota Corolla but about 10 times sexier. Toyota Prius – Show how smart you really are by pulling up in the most celebrated hybrid vehicle ever. Volkswagen Jetta – A great looking car with rock-solid road stability, a huge trunk and zippy five-cylinder engine.
The Benefits of Buying an Older Home
How to Reach Us
Telephone (650) 723-2509 Toll-free (outside 650 area code) (888) 723-SFCU (7328) 24-hour Loans by Phone (888) 725-SFCU (7328) Web site www.sfcu.org E-mail info@sfcu.org For the location of a branch or ATM nearest you, give us a call or check our Web site. Information in this newsletter is subject to change. Visit our Web site for current rates and information. See SFCU’s Truth-in-Savings booklet for important account restrictions and conditions. All loans are subject to credit approval.
Your savings federally insured to $100,000
• Established communities – often centrally located and with character all their own. • Mature landscaping – fully-grown landscaping often enhances privacy. If an older home has caught your eye, make sure you have it thoroughly inspected by a licensed professional so there are no unpleasant surprises.
An SFCU Home Loan Offers Rewards for the Life of Your Loan
To enhance your home buying experience and avoid unnecessary delays, get your loan pre-approved at SFCU before you buy. Apply online at www.sfcu.org. Saturday appointments are available at our Pampas Lane office. If you also have an SFCU Visa Card and CU Rewards, you’ll receive reward points for your home loan, too!
National Credit Union Administration, a U.S. Government Agency
EQUAL HOUSING
LENDER
We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.
If you’re in the market for a home, consider the charm of an older home. Often older homes have larger yards and other great benefits including: • A lower purchase price – yet an older home’s value often appreciates as quickly as a new home. • Construction elements you won’t find in a new home – such as parquet or hardwood floors, thick plaster walls, unique windows and frames.