Prestamos Equity

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					                                                                                                                                                                                                       Ju l y 2 0 0 9

                                                                                                                                                                                                                       Just in
       Holiday Calendar                                                      free Gap insurance!
                                                                                      insurance                                                                                                                      time for
The Credit Union will be closed:                                                               (guaranteed
                                                                                               asset protection)
                        Labor Day
               Monday, September 7

                   Columbus Day
                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
                                         APY                  APY
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
                                                                             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.
Money Market**
$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.
                                                                                      3½% with
                                                                                                                   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                                                                                  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
AMC                                $6.25
                                                                                                                                                                                   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
                                                                                      • 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
                                   $53.25                         1/31/10
                                                                                      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:                                                                 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:                                                       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.

Description: Prestamos Equity document sample