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The                                        Summer 2009

                                    For SCE FCU News

Put a little green
       in your pocket!
      With our new Green Checking... details inside!
                                                                                                                                                                                                                                                      In the
                                                                 Introducing                                 Green Checking                                                                                                                 Community
                                                                                                                                                                                                                                                                                                                       Exciting News!
                                                                                                                                                                at SCE FCU!
                                                                                                                                                                                                                                                                                                                                 Bill Pay      Congratulations to SCE FCU
                                                                                                                                                                                                                                                                                                                                               member Luanne Bourque
                         We’re pleased to announce                                                                                                                                                                                                  The FDIC (Federal Deposit Insurance                                          Winner!       - the Grand Prize winner of
                                                                It pays 2.00% APY!
                         that our Irwindale branch                                                                                                                                                                                                  Corporation), although typically a bank-                                                   $5,000 from our Ultimate
                         and corporate offices will be                                                                                                                                                                                              focused organization, approached us in                                                     Home Office Bill Payer
                         moving to a new location in            And, there’s no monthly fee & no minimum balance to earn dividends!2                                                                                                                June of 2007 to ask for our participation in                                               promotion, which ended in
                         September. As a result of our                                                                                                                                                                                              the Alliance for Economic Inclusion (AEI)                                                  March! Using Bill Payer not
                         continued growth, we required          But that’s not all. You’ll also get:                                                                                                                                                in the Los Angeles region. The Alliance                                                    only saved her time and the
                         a larger building to allow us                                                                                                                                                                                              is a national initiative to bring unbanked                                                 cost of stamps, but earned
to better serve our members. Fortunately, after a long           •   Benefits Plus® for free!3 It’s the value club program that offers no-cost identity                                                                                             populations into the financial mainstream,                                                 her a pretty nice check as
search, we found just such a place at an outstanding                 theft protection and restoration services, and savings on things you’d be buying                                                                                               accomplished by financial institutions,                                                    well!
price - only one block away, at the corner of Ramona                 anyway – groceries, prescriptions, travel, dining out, movie tickets and more!                                                                                                 community-based organizations and other
and Schabarum, right next to the 605 Freeway.                                                                                                                                                                                                       partners working together to expand basic
                                                                 •   Free Debit Rewards!3 You’ll receive a free Visa Check Card to access                                                                                                           retail financial services for underserved and
Our new building will feature a spacious, full-                      your Green Checking account. When you use it to make signature-based                                                                                                           unbanked individuals. We readily accepted                                                  Ever want to create your own
service branch on the first floor. Designed with the                 purchases, you’ll receive Debit Rewards points toward airline tickets, brand-                                                                                                  their invitation and helped to launch the full-                                            design on your Visa Credit
environment in mind, it will be complete with all the                name merchandise, home electronics, etc.                                                                                                                                       scale program.                                                                             Card or Visa Check Card?
modern amenities necessary for you to transact                                                                                                                                                                                                                                                                                  Picture        Well, beginning July 31st,
business comfortably, including a second ATM. The                •   Free box of checks on recycled paper!                                                                                                                                          Because of our efforts, we recently received accolades                  Visa Cards         you’ll be able to at SCE FCU!
second floor will reunite departments that are currently                                                                                                                                                                                            from the FDIC. Along with a recognition plaque, were                                       Upload your own personal
spread out among two buildings – our call center, back           •   Free ATM cash withdrawals at 28,000+ ATMs through the                                                                                                                          very kind words from Linda Ortega, the FDIC’s Western                      Coming          photo and see little Johnny
office operations, training, administration, marketing,              CO-OP Network, including ATMs at most 7-Eleven stores®!                                                                                                                        Regional Director, “SCE Federal Credit Union is a                          July 31 st!     smiling up at you every time
accounting and others – generating increased                                                                                                                                                                                                        valued and trusted charter member of the Los Angeles                                       you pull out your card. More
efficiencies and reducing costs. In addition, our               And there’s no monthly fee, as long as you have eStatements and a                                                                                                                   Alliance and has been instrumental in facilitating and                                     details coming soon!
training room will also serve as a community room,              monthly direct deposit of at least $500.                                                                                                                                            expanding access of financial services and products to
where local non-profit organizations will be able to                                                                                                                                                                                                the unbanked population in Los Angeles County.”
host functions, hold educational sessions, etc.
                                                                SPECIAL OFFER!                                                                                                                                                                      SCE FCU is proud to continue its involvement with                                          Coming July 31st…
We’re very much looking forward to the move and                 From now through September 30th, 2009, a tree will be planted through                                                                                                               the AEI coalition, serving as a leader in the areas of                       Mobile        Mobile Banking – designed
to opening the doors of our new home to you – the               American Forests® for every person who opens a Green Checking account!                                                                                                              financial education and small-dollar loan products.                                        specifically for your web-
owners of the Credit Union. Once our actual move-                                                                                                                                                                                                                                                                            Banking &         enabled phone! Also,
in dates have been finalized, we’ll post them on our            So you’ll not only be saving existing trees by utilizing eStatements and direct                                                                                                                                                                              Enhanced          CU@Home, our free online
website. Be sure to stay tuned!                                 deposit, you’ll be responsible for adding a new tree to our planet, too!
                                                                                                                                                                                                                                                    Answers to last newsletter’s quiz questions:                                 Online        banking service, will have
                                                                                                                                                                                                                                                                                                                                               a fresh, new look – built on
Sincerely yours,                                                                                                                                                                                                                                    1) True; 2) B; 3) D; 4) Pay Yourself First; 5) False.                      Banking         the latest technology, it will

                                                                                                                      Go green, get green!
                                                                                                                                                                                                                                                    Congratulations to Elisa Heredia and Dick Schroeder,                       Coming          allow us to bring you new
                                                                                                                                                                                                                                                    the winners of free movie tickets!                                                         and exciting features and
                                                                                                                                                                                                                                                                                                                               July 31 st!     services. Enjoy!
Dennis J. Huber

                                                                                                                                                                                                                                                                                                                                 More          Premier members now join
                                                                       Visit a branch or give us a call to sign up for Green Checking!                                                                                                                                                                                      members            Premier Exclusive members
                                                                                                                                                                                                                                                                                                                                               in receiving Benefits Plus®
                                                                              Rate shown is a variable rate. APY=Annual Percentage Yield, as of 7.1.09, subject to change without notice. 2$5 monthly fee without eStatements.                                                                                             to receive          for free! All others pay just $6
                                                                            $5 monthly fee without a $500 monthly direct deposit. $10 monthly fee without eStatements and without a $500 monthly direct deposit. 3When at
                                                                            Premier Relationship Pricing level or higher, which is met with the Direct Deposit requirement.                                                                                                                                             Benefits Plus®         a month, or $5 monthly with
                                                                                                                                                                                                                                                                                                                             for free!
                                                               William Coo,                                                                           Lisa Cagnolatti
                                                            a new member to                                                                           bought a 2004
                                                            the Credit Union,                                                                        Chevy Avalanche                                                                               Kenneth West
                                                                bought a                                                                          and loved what we were                                                                          bought a brand
                                                           2006 Cadillac STS!                                                                       able to find for her!                                                                         new Lexus IS F!

                                                                                                                                                                                                                                      Chairman of                                                                                                           Mr. Carlin is
                                                                                                                                                                                                                                  the Board, Ed Orosz                                                             Christopher Aparicio                   now driving around
                                                                                                                                                                                                                                 is the proud owner of                                                           surprised his wife when                     in his new
                                                              Our members are ecstatic with CU at the Wheel – our complimentary, members-only auto                                                                                    a brand new                                                            he brought her to our Irwindale             2009 Ford F-150!
                                                              buying service. No spending all day at the dealership talking to a salesman. No wondering if                                                                           Toyota Prius.                                                             branch to pick-up their new
                                                              you got a good deal. Hassle-free car buying – yours at SCE FCU – just call or stop by!                                                                                                                                                          Nissan Pathfinder. She was
                                                                                                                                                                                                                                                                                                                     super excited!
Branches                                                             SavingS & Loan RateS
                                                                     All share rates quoted below are Annual Percentage Yields as of July 1, 2009 and are subject to change without notice. Contact
                                                                     the Credit Union for additional information on applicable fees and terms, special promotions, and other accounts we offer. Rate
                                                                     ranges reflect terms, account balances and/or Relationship Pricing status.
Mailing Address & Website
PO Box 8017, El Monte, CA 91734
                                                                     CheCking & SavingS
                                                                      Checking                                                       Free Checking (non-dividend), Dividend Checking (dividend earnings, free with Direct Deposit)
                                                                                                                                     & Youth Checking available
Telephone Number
800.866.6474 (except San Onofre)                                      Prime Savings                                                  .30% ($5 min. to open)
949.368.9667 (San Onofre)                                             Super Saver                                                    .95% ($5 min. to open)

FastLine Automated Voice Response                                     Youth Super Saver                                              1.87%
800.866.6575                                                          Holiday & Vacation Club Accounts                               1.11% (10 min. to open)

                                                                      Money Market                                                   .50% - 1.60%

Locations & Hours                                                     IRAs & Certificates1
                                                                      91 Days              0.90% - 1.40%                             18 Months              1.76% - 2.27%                              48 Months             2.49% - 3.00%
Irwindale                                                             6 Months             1.17% - 1.67%                             24 Months              1.90% - 2.41%                              60 Months             2.73% - 3.25%
3810 Durbin Street                                                    12 Months            1.66% - 2.17%                             36 Months              2.12% - 2.63%
M T Th F: 8am to 6pm
W: 9am to 6pm • Sa: 9am to 1pm
Duarte                                                                 All loan rates quoted below are Annual Percentage Rates as of July 1, 2009 and are subject to change without notice. Rate and
                                                                       finance amount is based on member loan qualifications, vehicle or property value as applicable, and Relationship Pricing status.
1175 Huntington Drive                                                  Lowest rates shown reflect electronic repayment and Premier Investor or Premier Exclusive (with $50,000+ in loans
M T Th: 9am to 5pm • W: 10am to 5pm                                    or deposits). Add 0.25% for non-electronic repayment. Add 0.10% for members in the Premier Exclusive Relationship Pricing
F: 9am to 6pm • Sa: 9am to 1pm                                         package with deposits below $50,000. Add 0.25% for all other members. Please note that no discounts apply to First Trust
                                                                       Deeds, Visa Cards, or share-secured loans.
Lynwood (Plaza Mexico)
3200 Mulford Avenue                                                   New Vehicle Loans2                                            As low as 5.49% - 18.00% (Daily Periodic Rate 0.015041% - 0.049315%)
M T Th: 9am to 5pm • W: 10am to 5pm                                                                                                 Approximate terms from 24 - 96 months
F: 9am to 6pm • Sa: 9am to 1pm                                        Used Vehicle Loans2                                           As low as 5.99% - 18.00% (Daily Periodic Rate 0.016410% - 0.049315%)
                                                                                                                                    Approximate terms from 24 - 72 months
Ontario                                                               New & Used RV, Travel Trailer &                               As low as 6.00% - 18.00% (Daily Periodic Rate 0.016938% - 0.049315%)
975 North Haven Avenue                                                5th-Wheel Loans2                                              Approximate terms from 24 - 144 months
M T Th: 9am to 5pm • W: 10am to 5pm
F: 9am to 6pm • Sa: 9am to 1pm                                        New & Used Motorcycle, Boat, Personal                         As low as 6.50% - 18.00% (Daily Periodic Rate 0.017808% - 0.049315%)
                                                                      Watercraft & New Off-Road Recreational                        Approximate terms from 24 - 84 months
                                                                      Vehicle Loans2
Rosemead (GO) Edison employees only
GO1, 1st Floor                                                        Personal Line of Credit2                                      Adjustable rates from 12.40% - 18.00% (Daily Periodic Rate 0.033288% - 0.049315%)
M T Th F: 9am to 5pm • W: 10am to 5pm

San Onofre (SONGS) Edison employees only                              Visa Platinum2                                                9.90% - 18.00% (Monthly Periodic Rate 0.825000% - 1.500000%)
D1A, Plant Side                                                       Visa Platinum Rewards No annual fee
                                                                                                                                    10.90% - 18.00% (Monthly Periodic Rate 0.908333% - 1.500000%)
                                                                      Includes points program toward travel and gifts
M-F: 8:15am to 9am & 10am to 3:30pm

                                                                      Home Equity Loans2                                            Fixed rates from 6.95% - 10.95%3
                                                                      Home Equity Lines of Credit2                                  Adjustable rates as low as 4%3
Holiday Closings                                                      Home Equity Split Second                                      Set up part at a fixed rate and part as an adjustable-rate line of credit
                                                                      First Trust Deed Loans                                        Buy or refinance your home with a fixed or variable rate loan program. Choose
Independence Day – July 4th                                                                                                         from a variety of rates, terms and fee structures. Call us or visit our website for
Labor Day – September 7th                                                                                                           more information.

You can access your accounts 24/7 with your
ATM card, online at, or by calling                         uSineSS S
                                                                     BWe offer a fulloLutionS products and services including several checking options, money market, certificates, loans,
our FastLine automated voice response                                                 suite of business
system at 800.866.6575.                                                lines of credit and Visa cards, and merchant services. We are an approved SBA Lender.

                                                                       $1,000 minimum balance to open. Penalty for early withdrawal may be imposed. Dividends compound monthly for all terms except the 91-day term, which compounds at
                                                                     maturity. The Annual Percentage Yield is based on the assumption that the minimum balance and other requirements will be met. Highest yields shown reflect highest level of
                                                                     Relationship Pricing benefits. Relationship Pricing Package Qualifications: Premier Investor = Total deposit balances of $50,000 or more, Premier Exclusive = Checking with

CU Stats As of May 31, 2009
                                                                     monthly deposits of $500 or more AND total loan balances of $5,000+ OR total deposit balances of $5,000+, Premier = Checking with monthly deposits of $500 or more.
                                                                       APR=Annual Percentage Rate. Sample payment on a $20,000 auto loan for 5 years at 6.49% APR would be $392 per month for 60 months. 3Prime Rate of 3.25% as of
                                                                     12.16.08 plus a margin that ranges from 0%-5% Prime rate plus applicable margin and loan to value equals the rate. Floor rates range from 4%-8% Processing fees may be
                                                                     discounted with a minimum initial advance of $10,000. If loan is paid and closed within 24 months, waived fees will be reinstated. Lifetime cap is 6% above the fully indexed
Members:                      42,091                                 rate. Rate changes occur semi-annually with an annual cap of 2%. Rate and terms are subject to change without notice. Property must be in California. Borrower of non-owner
                                                                     occupied property loans pays all fees. Standard processing fees can range from $100-$1,200 based on transaction type and amount. Subordination fee is $50. Demand fee is
Assets:                       $447,625,667                           $50. Annual Fee of $50 if balance is less than $10,000 on June 30 of each year. Mutual Rate modification Fee is 1% of limit. Sample payment on a $50,000 fixed rate Home
                                                                     Equity Loan for 20 years at 6.95% APR would be $387 per month. Minimum payment on Home Equity Line of Credit is 1% of the balance on loans at 11% or less or 1.25% of
                                                                     balance on rates above 11%-15%. Jumbo Equity Loans above $250,000 available at special rates. Call us for details. All loans require a $100 fee, refundable at closing. A full
Serving members since 1952                                           appraisal may be required at the borrower’s expense.
                                                                     We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account will be reflected in your credit report.
                                                                     Change to Relationship Pricing benefit regarding check orders: Effective 7.1.09, members in the Premier, Premier Exclusive and Premier Investor levels will receive one free
                                                                     box of logo checks per year. (No other check order discounts will apply.)

                              We do business in accordance with
                              the Federal Fair Housing Law and the
                              Federal Credit Opportunity Act.        In the event of a disaster, if you are unable to reach us by phone, visit our website at for information on how to
                              Federally insured by NCUA.             access your accounts. Rest assured, we have plans in place to allow us to continue to serve you.
              EQUAL HOUSING

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