Lower Your Mortgage Payment

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					                                                    Update
February
      2009




                                                    Lower Your Mortgage Payment

                                                                   5.000% (5.089 %)
                                                    Refinance
                                                      rates as
                                                        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
                                                    Refinance
                                                                                                                                         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



                                                                      4.99%
           to be from the IRS contacts you.
                                                    Rates as
      n    Never give out personal information.                                                                                          We Make it Simple
                                                      low as
           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
           at 1-800-829-1040.
                                                    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                                                               ®




                                                                                                              5.90%
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
                                                                                     n
                                                                                     n
                                                                                           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.
                                                                                      Fremont Toyota
                                                                                      5851 Cushing Pkwy
                                                                                                                            Toyota of Walnut Creek
                                                                                                                            2100 N. Broadway
                                                                                                                                                                       Holidays
                                                                                      (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