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Low Interest Visa Credit Card - DOC

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                                   CU NEW$
Huntington Beach City Employees Credit Union                                               October 2005




   You can now choose the best Visa card for your
  needs. Huntington Beach City Empl oyees Credit
  Union now offers four di fferent cards to hel p meet
                your fi nancial needs

  The Student Visa card is offered to those students
  who attend college for a mini mum of 12 units and
   is working part-ti me. What a great way for our
  youth to learn how to manage funds and establish           Not sure what to get that for the holidays? The
               credit at the same ti me.
                                                              Bride and Groom’s gift registry already cleared
   The Visa Classic card is an entry-level Visa card          out? Family out of the area and the gift you
  wi th a low rate of 15% ; no annual fee and no cash
                      advance fees.
                                                             want to mail weighs a ton? Allowance time for
                                                                            the college student?
   The Visa Gol d card also offers Scorecard reward           Huntington Beach City Employees Credit Union
   points and a low rate of 12% ; higher credit limits
     pl us no annual fee and no cash advance fees.                Gift Card could be the perfect answer.
      The Visa Pl atinum Card now offered is the
     ultimate. Low 9% APR, Scorecard Reward                  These low cost gift alternatives are perfect because
   Points wi th every purchase, no annual fee and no          there is no pre-determined amount. You can give
                   cash advance fees.
                                                             the exact dollar amount you want for those special
      No matter which Huntington Beach City                                        occasions.
  Empl oyees Credi t Uni on Visa card you carry, you
  know that you are recei ving the most competiti ve
   rates, the lowest in fees and the best in service.        This new product will be available just in time for
                                                                          the gift-giving season.
   Apply on line today, or stop by and pick
            up your application.

  There is no place like your credit union to
             save and to borrow.

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   Some things in life should
  happen without any effort.                               Did you know your Credit Union has a
Paying your bills through our                               Website? No! Well check us out at
   Bill Pay program is one of                            www.hbcecu.com. Find out about all the
those “Things”. No matter if it                              latest news from the Credit Union
 is your cable, phone, utilities                                        including…
or credit card these bills can                          Visa Account Services (ezCardinfo.com)
be paid automatically by just a                                 Log on to this secure site provided y ou
       click of the mouse.                                      open a VISA to make payments, look at
Don’t waste your time writing                                   past transactions, and even dispute
             checks.                                            charges.
                                                        Reorder Checks
                                                                All you need is the reorder form from
We are currently offering members                               your current checks to gain access.
the opportunity on any new/used auto                    Loan Calculator
                                                                Find out how much the payment of your
loan to lower the interest rate ½ %, by                         dream car would be.
having direct deposit and or payroll                    Current Rate and Product Information
deduction of your loan payment. This                    Online Banking
                                                                See instructions below to get access
offer does not apply to pre-existing                    Online Banking Login Instructions
loans. Stop by the Credit Union for                     Follow these simple steps to access your
more information.                                       account information:

                                                        1. Log on to our Website: www.hbcecu.com

                                                        2. Click on Online Banking Login

                                                        3. A screen will pop up asking you to enter
            On Line Check Imagining                        your Member Number (ex. ****00) and a
    You asked and your credit union listened.
 Because of your request, the credit union will            password; you can use the password from
offer the opportunity to v iew checks on line and          the Private Line or the last four digits
ev en make a copy of the item for your records.            from your Social Security number. Click
No more calling your credit union, or waiting for          Login.
  the mail to be delivered to get the copy you
                   need NOW .
                                                        4. The Netbranch System will then ask you
 Once again, you speak and your credit union                for a new password. This password must be
                   listens.                                 both alpha and numeric and at least six digits
                                                            in length.
MARK YOUR CALENDAR                                      After you follow those simple steps you are on
                                                        your way. This site allows you to get real
Wednesday, January 2 5, 2006, 7:00 PM
the credit union will hold the annual                   time information regarding your account. As
meeting of membership.       The                        well as make transfers, loan payments, and
accomplishments and the goals of your                   even credit card payments. If you experience
credit union will be reviewed. Come and                 any problems while logging on, please do not
see what new and exciting things are                    hesitate to call the Credit Union for
happening at YOUR CREDIT UNION.                         assistance.
Be active in YOUR CREDIT UNION.




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                                                              Bad Credit… Let Us Help!

                                                       Do you think you cannot get financed
                                                       because you have bad credit? Do you have
Due to an OVERWHELMING response,                       any of the following?
if you open an account for your kids, the
credit union will deposit the first $5.00                  Bankruptcy?    Tax Liens?
with the set up of payroll deduction into                 Judgments?     Charge offs?
the new account. This is a perfect                               Repossession?
opportunity to get your children to learn.
Call the credit union for more details.                Or maybe all of these! Don’t worry we can
                                                       help! Come in to the Credit Union before
                                                       going to the dealer, we will help you get
                                                       that car you need.

                                                       Are you paying over 20% interest on your
                                                       vehicle loan? Bring your purchase contract
Always call your credit union first to see             into the Credit Union and let us beat the
what loan programs are offered. Your credit            rate. The car of your dreams could be yours
union is constantly updating loan programs             with a rate as low as 11.5%.
that benefit you, the member. With the
lowest loan rates available, your life can be
made easier, with low payments and payr oll
deduction or our on-line banking program.              Important Message: Any company or
                                                       service mentioned by the Credit Union
ALWAYS CALL YOUR CREDIT UNION FIRST!                    is not endorsed by the Credit Union.
                                                       We merely provide the information as
        Believe it or not!
 The holiday season is upon us. The list keeps
                                                                   a convenience.


 expanding and prices are going higher. Your
 credit union is here to help! Our holiday loans                                 Give the Gift of
 can ease the pressure by having the payments
  evenly distributed over the year. Definitely                                    Membership
  making the holiday brighter and your budget
               more manageable.                                                   When you give a
                                                                                  family member the
                                                                                  gift of credit union
                                                       membership, you’re giving them access to the
                                                       same long list of products and services you
Hours                                                  already enjoy. Low-interest VISA credit cards
                                                       are just the beginning. We also offer high-
                    Hours                              yield investment accounts, low rate loans and
  Mon., Wed., &Thurs.       8:00a.m. – 5:30p.m.        a variety of services that make handling your
 Tuesday                   10:00a.m. – 5:30 p.m.       affairs more convenient. And don’t forget
 Friday                    8:00a.m. – 5:00 p.m.        membership in the credit union can last a
           Phones & Website                            lifetime.
   Office(714) 536-6517       Fax(714) 969-0817
            Private Line (877) 768-5409                Call or come by to pick up membership
                 www.hbcecu.com
                                                       applications for your family members today.




                                                   3
            You can only have
            automatic withdrawals                         Who has your ID?
            via Automated Clearing
                                                  You just tried to use your credit card and
            House (ACH) from your                  were denied because you are over limit –
checking account, not from your                       strange, you don’t have a balance.
                                                    Identity theft is happening frequently.
savings account. This is a federal                           Some helpful hints –
regulation, which prohibits such
                                                     1.  Buy a shredder
electronic withdrawals. If you have                  2.  Be careful of what your throw
any    questions   regarding    this                     aw ay
                                                     3. Be careful at ATM’s
regulation, please contact the                       4. Do not put checks in the mail from
Credit Union.                                            your home
                                                     5. Do not use your mother’s maiden
                                                         name as a password
    Financing Mistakes…                              6. Do not carry extra credit cards
                                                     7. Cancel credit cards your haven’t
   …That cost you money can be                           used
                                                     8. Monitor your credit card and bank
  avoided by having your financing                       st atements monthly
   approved with the credit union                    9. Do not carry your social security
                                                         number with you
          before you shop.                           10. Do not use your credit card on the
                                                         internet unless it is a secured site
Loan rates are available by calling
your credit union staff.                           FEDERAL REGULATIONS AND
                                                    YOUR SAVINGS ACCOUNTS
SHARE RATES           APR            APY
Shares $100 - $25000   1.50%         1.51%       Many members are not aware that, per federal
Shares above $25000.01 2.0%          2.02%       regulations, savings accounts, as opposed to
IRA’s                  3.0%          3.03%       share draft (checking) accounts are restricted to
                                                 no more than six electronic withdrawals, such as
Share Cert ificates: $2,500.00 minimum           through Internet or telephone banking per
Children Certificates: $1,000.00 minimum         month.

 Call the Credit Union for current rates         Withdrawals or transfers made in person and
                                                 those processed through ATM machines are not
    Credit Union Closure Dates                   restricted.


      November 11th – Veterans Day               All financial institutions are required to member
                                                 accounts for compliance with these guidelines.
   November 24th & 25th – Thanksgiving           Here at HBCECU, our member service
                                                 representatives will gladly assist you in
      December 26th – Christmas Day              arranging your electronic withdrawals in a
      January 2nd – New Year’s Day               manner that will accommodate your needs.

   January 17th – Martin Luther King Day
                                                      Important “800” Numbers
   Please check our website for
                                                 “Private Line” – 1-877-7 68-5409
 additional information regarding
                                                     (Automated account information)
           closure dates
                                                 Visa Inquiry            (800) 808-7230
 REMEMBER YOUR CREDIT UNION
 WILL NOT CALL FOR YOUR USER                              Lost/Stolen Visa Card
       ID OR PASSWORD!                           7:00a.m. - 9:00p.m. (800) 808-7230




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9:00p.m. - 7:00a.m. (800) 991-4964




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