Ju l y 2 0 0 9
Holiday Calendar free Gap insurance!
insurance time for
The Credit Union will be closed: (guaranteed
Monday, September 7
Monday, October 12
Although we are closed on these days,
Matey, Home Banking, Electronic
Bill Pay and both our ATM and point- Finance a new or used auto
of-sale networks will be open 24/7.
with OCFCU by 9/30/09 and
receive a Free GAP Insurance
policy ($150 value).
If your vehicle is totaled or stolen, your
primary insurance carrier will usually
pay only the actual cash value (current
Market Value) of your vehicle less
your deductible. This amount could be
substantially lower than your loan balance.
GAP will help cover the difference
between your loan payoff and
your primary insurance company
Dividends settlement.* Your loan balance will
be paid in full, including the portion
Last This caused by your deductible.**
Rates subject Quarter Quarter
to change. Actual Anticipated
Regular Shares 0.75% 0.50% To take advantage of this special offer,
Christmas Club 0.75% 0.50% Possible Tax Beneﬁts call (562) 426-8838 or apply online
IRA (under $2,000) 1.85% 0.75% at www.occu.net.
Free Auto Broker Service
*Subject to certain exclusions and beneﬁt limitations. **Deductible coverage is not available in all situations.
IRA (over $2,000) 1.00% 1.00%
Preferred rate for those with highest credit scores. All loans are subject to credit approval and current loan guidelines.
Life and Disability Credit Protection
Checking 0.25% 0.15% The credit union is an equal opportunity lender and makes loans without regard to race, color, religion, sex, handicap,
family status, or national origin. You will receive a complete disclosure of rates and terms associated with your loan
before you sign any loan documents. A reconveyance fee will be assessed at the time of payoﬀ at the prevailing rate.
$0-$9,999 1.31% 1.06%
$10,000-$50,000 1.41% 1.11%
$50,001+ 1.51% 1.26%
Certiﬁcates – Call for current yields.
Special auto promotion
a 3½-year On new auto loans
*Dividends are based on credit union earnings. Regular shares earn day-
in, day-out dividends with dividends paid quarterly. Checking accounts term. Available to qualifying buyers. Offer expires on 9-30-09
earn day-in, day-out dividends every month a minimum balance of $500
is maintained. Dividends are declared by the Board of Directors at the end and is subject to withdrawal or change.
of each dividend period.
**There is a $10 charge on balances that fall below $2,500. Rates subject
to change without notice.
Save Money, Save Lives! Ten Reasons To Buy A Car…NOW!
Ocean Crest Federal Credit Union and 1. Possible tax advantage (2009 tax year)
Get Away Today have teamed up to help 2. Low interest rates at OCFCU
hospitalized children. When you book your 3. Terms up to 84 months*
vacation, a portion of the package price is 4. Automatic payments
donated to your local Children’s Hospital. It’s
5. OCFCU is offering FREE GAP insurance**
easy, just mention Ocean Crest Federal Credit
6. OCFCU is offering 25% off MBI**
Union when booking. Family and friends can
also use this offer. Contact Get Away Today at 7. Dealers are dealing as they never
(800) 523-6116 or www.getawaytoday.com. have before or may never again!
8. Many manufacturers are offering rebates
9. Possibly more fuel efﬁcient than the car you are now driving
From November, 2008 to April, 2009, Get Away Today 10. Several models have new safety features
contributed $13,590 to Children’s Miracle Network.
*84 month term with 20% down and ﬁnancing $20,000 or more. **Oﬀer expires on 9-30-09 and subject to withdrawal or change.
Tickets Available Mortgage Loans
For Purchase 2nd Trust Deed exceed $35,000
• 20 year mortgage • No points
Adult Child Expiration
• Finance 75% of appraised • Member pays for fees
value minus 1st Trust Deed and appraisal
PACIFIC $6.25 • 2 to 2.25 points HELOC
REGAL, UA, • Credit Union pays fees • 7 year mortgage
EDWARDS • Minimum loan amount • 75% of appraised value
DISNEY/CA ADV $64.25 $56.00 12/17/09 1st Trust Deed $25,000 minus 1st Trust Deed
DISNEY/CA ADV • 15 and 30 year mortgage • Member pays for appraisal • Payments are 1.7%
$69.25 $61.00 12/17/09 • Finance 80% of appraised value • 3 year call option rider of balance
1 DAY HOPPER
• 2 to 2.25 points Home Loan Maximizer • No points
DISNEY 2 FERR $59.25 $51.00 6/3/09
• Credit Union pays fees • 10 year mortgage • Member pays for fees
KNOTTS $27.25 $19.99 3/31/10 • Member pays for appraisal • 100% of appraised value and appraisal
LEGOLAND $44.25 1/31/10 • 3 year call option rider minus 1st Trust Deed not to
MAGIC MOUNTAIN $25.25 $15.00 12/31/09
$51.25 $45.50 2/28/10
Member Beneﬁts / Beneﬁcios Para Los Miembros
US ANNUAL PASS $67.25 12/31/09 SAVING PLANS New and Used RVs • Cuentas de ahorro • Préstamos de ﬁrma (signature loans) que pueden ser utilzados
Savings Accounts Share Secured • Cuenta de cheques como protección de sobrejiro)
END OF Holiday Club Credit Builders • Cuenta de cheques asegurada • Para la compra de autos nuevos
RAGING WATERS $23.25 $19.00 • Club Navidéna (ahorro para Navidad) • Prestamos equitativos para la compra de autos (Auto equity)
SEASON Money Market Account Share CD Secured
Various IRA Programs Visa® Classic • Cuenta de Mercado monetario • Prestamos para la compra de vehículos usados
PICK A PARK Certiﬁcates of Deposit Visa® Gold • Varios programas de IRA • Prestamos para la compra de vehículos de recreación (RV)
SPEED ZONE, END OF • Certiﬁcados de Depósito nuevos y de uso
LOANS Home Loans
$17.00 • Cajeros Automáticos (ATM) • Seguro compartido (Share Secured)
BOMMERS, SEASON Signature Loans CHECKING ACCOUNTS
• Varios sucursales para su conveniencia • Reparadores de créditto (Credit Builder)
CASTLE PARK (can be used as Regular Share Checking • Tarjeta de débito Visa® • Certiﬁcados de depósito CD seguro compartido (Share Secured)
overdraft protection) Secured Second Chance Checking • Contestador automático “MATEY” • Visa® Clásica Visa® de Oro
Quick Cash Loans VISA® DEBIT CARDS • Banco en casa (HOMEBANKING) • Prestamo de Casá
*Sea World tickets—two days of fun—get second day for price of one New Vehicles HOMEBANKING
ticket—does not have to be consecutive days of visits. • Pago de cuentas electrónico (EBP) Todos los préstamos están sujetos a aprobación crediticia, y todas las solicitudes de
Auto Equity ELECTRONIC BILL PAY préstamos deberán ser procesadas con la ayuda del Buró de Créditto Experian (Experian
Prices subject to change at any time. Subject to availability. Sold only to Credit Bureau), una agen-cia de informe de créditto.
members in good standing. Used Vehicles THE VAULT E-STATEMENTS
All loans are subject to credit approval, and all loan applications are
processed with the aid of Experian Credit Bureau.
All loans are subject to credit approval. The credit union is an equal opportunity
lender and makes loans without regard to race, color, religion, sex, handicap, family
status or national origin. Dividends are based on the credit union’s earnings at the
end of a dividend period and thus cannot be guaranteed. Rates, terms, conditions and services
2525 Cherry Avenue, Suite 100 • Signal Hill, CA 90755 are subject to change after the account is opened. Yields and rates are subject to change at any
time without notice. For more information, refer to your Truth-in-Savings Disclosure or contact
Mail: PO Box 92439 • Long Beach, CA 90809 a credit union employee. The credit union may provide information about products and services
Phones: Web: www.occu.net available to members from other sources. However, it does not warrant, nor accept liability for
the actions, products or services of others.
Voice (562) 426-8838 E-mail: firstname.lastname@example.org APR=Annual Percentage Rate. APY=Annual Percentage Yield.
CA only (800) 544-8011
Matey (800) 348-8279
M-W & F 8:30 a.m. – 5 p.m. Your savings federally insured to at least $250,000 and backed by the
Fax (562) 490-0958 full faith and credit of the United States Government. National Credit
TH 10 a.m. – 5 p.m. Union Administration, a U.S. Government Agency.