Lower Your Mortgage Payment
5.000% (5.089 %)
low as APR*
Mortgage Rates Have Fallen get you a great rate, and keep your best
This is a great time to take advantage of our interests in mind through the entire
low mortgage loan rates. Whether you’re process.
purchasing a new home, or need to lower
your existing mortgage payment, 1st USCU Additional Benefits Include:
can help you keep more money in your n No point options available
pocket each month. n No prepayment penalties
n No early closure fees
Refinance your mortgage from another n Other loan options available too
lender and lock in a great 30 year fixed
1st USCU Makes it Simple
rate as low as 5.000% (5.089% APR).
As a 1st USCU member, you have access
Purchase to resources that help eliminate the confusion
A secure 30 year fixed rate as low as that can come from choosing a home
5.000% (5.133% APR), is an easy application loan. Just call our real estate specialists
Beware of process away. You can trust 1st USCU will at 888-562-6089 or visit 1stuscu.org.
Tax Season *APR = Annual Percentage Rate. APRs include points and origination fees, if applicable. All APRs are based on highest loan amount available for
Scams program. Rates valid up to 80% financing and require FICO score of 680 or greater. 5.000% rate available for loans up to $450,000; best rate for loans over
$450,000 is 5.875%. Offer is subject to credit approval. Owner-occupied single family residences, townhouses, and condominiums, located in California
only. Payment example: $537.06 per month for each $100,000 financed at 5.00%; $591.83 per month for each $100,000 financed at 5.875%. Actual rate may
vary. Offer subject to change.
As you prepare to file your taxes, keep
in mind that there are con artists who
target unsuspecting tax filers. Here are
tips to help you avoid being scammed
out of your tax refund money:
Flexible, Affordable and Easy
A Home Equity Line of Credit is a Smart Way to Borrow
n Be suspicious if someone claiming
to be from the IRS contacts you.
n Never give out personal information. We Make it Simple
A legitimate agency should already APR* Start lowering your monthly payments
have your contact information on file.
A Friendlier Way to Borrow today with:
n The IRS won’t email you about A Home Equity Line of Credit (HELOC) n A 12 month fixed introductory rate
account issues. If you have any offers lower interest rates than credit n No annual fee
doubts, call them toll-free to confirm
cards, making it a smart and versatile n No closing costs
choice for debt consolidation, home (Up to $200,000. Larger loans available.)
n If you think you’ve been approached improvements and more. n Easy 5 minute online application
about a tax scam, check the National
Consumers League’s Fraud Center at Make payments as low as interest only, For information, call 800-649-0193 or visit
www.fraud.org. or pay as much you like. us online at 1stuscu.org.
* APR = Annual Percentage Rate. Offer not valid to refinance existing 1st USCU home equity loans. Rate valid up to 80% financing and requires FICO score
of 680 or greater. Rate may increase by up to 3.75% depending on your credit qualifications. Variable rate is based on the Prime rate plus or minus a margin.
Minimum loan amount and initial draw is $10,000. Home Equity Line of Credit rate is fixed for 12 months as low as 4.99% APR, then reverts to the Prime rate
plus or minus a margin, subject to applicable floor rates. After introductory period, rate can change monthly based on changes in the Prime rate. All loans
subject to credit approval and rates are subject to change without notice.
1stuscu.org Simpler. Faster. Friendlier.
Lower Your Visa Payments ®
Transfer your balances from Rates as
other cards to a Platinum Visa low as
from 1st USCU and start saving APR*
Act Now to Receive $50 Cash! Benefits Include:
That’s right. For a limited time, we’ll give
you $50 just for transferring your balance
No annual fee
No balance transfer fee
A Smart Way to Save
to a 1st USCU Platinum Visa. n Rate applies to your entire balance The Individual Retirement Account (IRA)
n $50 cash!* is one of the smartest ways to save money.
Reclaim Your Finances By diversifying your investments with an
National surveys show the average Platinum Get a Friendlier Visa Today IRA, you add balance and added security to
Visa card is charging well over 11%, and if Call us at 800-649-0193 and you’ll be your savings plan.
you miss a payment, bank rates can default on your way to lower payments. Visit
to almost 30%. Instead, transfer your 1stuscu.org to learn more, apply for your Safe and Secure
higher rate card balances to 1st USCU’s 1st USCU Platinum Visa, or fill out a balance Unlike stocks, IRAs are insured against
Platinum Visa. Reduce payments and start transfer request form online. You can fax loss. At 1st USCU, IRAs are insured up to
saving money today! the form to us, or bring into any branch. $500,000, plus the dividends earned can
be tax deferred. (Always check with a tax
*APR = Annual Percentage Rate. Balance transfer from another financial institution of at least $3,500 required to obtain special rate and $50 cash. Cash will be
professional regarding your tax status.) With
credited to your savings account upon balance transfer completion. Must have sufficient credit available for amount of balance transfers. New Visa’s require compounding dividends, a modest deposit
$1,000 balance transfer. Rate is fixed through your September 2009 billing cycle and will revert to a variable rate, currently as low as 8.90%, after that time. All
rates and terms are subject to change without notice and all loans are subject to credit approval. can grow quite large, and the earlier you
start, the more you’ll earn.
Which IRA is Right For You?
Traditional IRA - This account allows eligible
Investment Services Now Available members to save for retirement by contributing
a certain amount each year. The earnings
Investment Services are available to our Services include: on investments grow on a tax-deferred basis,
members at no charge through CUSO so you don’t pay taxes until the amount is
n Retirement and Estate Planning
Financial Services, L.P Our representatives
. distributed or withdrawn from the IRA.
can help provide you with a better
n Tax-Free Income
Roth IRA - Roth Certificates offer you tax-
understanding of the financial markets n Life Insurance free earnings at retirement and tremendous
and are here to assist you with your n Tax-Deferred Growth flexibility for withdrawing those funds prior
investment needs. Visit our Investment to retirement. Contributions are NOT
Center at the Union City branch or
n College Funding
deductible when the funds are contributed,
1stuscu.org for details. n Long-Term Care Planning but the Roth IRA earnings accumulate
tax-free and remain tax-free upon distribution.
*Investment products and services offered through CUSO Financial Services, L.P. (CFS), an independent broker-dealer, are not NCUA/NCUSIF insured, are not You cannot withdraw your funds within the
obligations of 1st United Services Credit Union, are not Credit Union guaranteed, and may lose value. Investment Representatives are employed by and registered
through CFS (Member FINRA/ SIPC). first 5 years without a penalty.
Start Saving for Tomorrow Today
Besides retirement, IRAs can be used for
making your first home purchase or for funding
NEW - Featured Vehicle Program a college education, and this is a great time to
start saving. Come into any 1st USCU branch,
We’re Driving Down Prices To kick off this new member benefit, or call us at 800-649-0193 for more details.
It’s new and it’s exclusive to 1st USCU you’ll receive $200 when you finance
members. Our “Featured Vehicle” this vehicle with 1st USCU, plus exclusive
program provides you with haggle-free pricing on all 2009 Toyota Camrys at either
pricing, special rates, and $200 cash! of these two participating dealers:
This month’s featured vehicle is the
2009 Toyota Camry.
5851 Cushing Pkwy
Toyota of Walnut Creek
2100 N. Broadway
(510) 760-4535 (925) 577-5316 Our branches will be closed in observance
Ask for Rick Santos Ask for Jim Totah of the following holidays:
Get Behind the Wheel Today Lincoln’s Birthday
Call us at 800-649-0193, option 2, and (Oakland Courthouse only)
we’ll provide you with the pre-qualification Monday, February 12
you need. Once your loan has been President’s Day
funded we’ll credit your account $200! Monday, February 16