BRanCheS by yaofenji


                   nC h eS                                                           SavingS & Loan RateS                                                                                                                                                                                                                Spring 2011

BRa                    Web
                            site 1734
                                                                                     All share rates quoted below are Annual Percentage Yields as of April 1, 2011 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.
              dr ess & onte, CA
      n g Ad 7, El M
 Maili ox 801                                                                        Checking & Savings
  PO B
   scefc                ber                                                              Green Checking                                              0.50%. Also available: Free Checking (non-dividend), Dividend Checking (dividend
                   Num                                                                                                                               earnings, free with Direct Deposit) & Youth Checking available
            h one 4                        onse
     Telep 66.647                     Resp
                  e Au
                            ted V
                                                                                         Prime Savings
                                                                                         Super Saver
                                                                                                                                                     0.10% ($5 min. to open)
                                                                                                                                                     0.50% ($5 min. to open)
                                                                                                                                                                                                                                                                              for SCe Federal Credit Union news
        Fast 66.6575                                                                     Youth Super Saver                                           0.50%
          8 00.8
                                                                                         Holiday & Vacation Club Accounts                            0.50% ($10 min. to open)

                                                                                         Money Market                                                0.10% - 0.65%                                                                                                                            you tell us the car you want
              Lo C at i                                                                                                                                                                                                                                                                        new or used - make, model & features
                                     onS & h
                 Irwindale                                 U RS o                        IRAs & Certificates        1

                                                                                         91 Days             0.20% - 0.70%                           18 Months              0.60% - 1.10%                              48 Months             1.75% - 2.24%
                12701 Sc
                             h                                                           6 Months            0.25% - 0.75%                           24 Months              1.00% - 1.50%                              60 Months             2.10% - 2.58%                                    We find it
               M T Th F abarum Avenue                                                                                                                                                                                                                                                          searching throughout Southern California
                            : am                                                         12 Months           0.50% - 1.00%                           36 Months              1.40% - 1.89%
               W: 9 am to 8 to 6 pm
                            6 pm • Sa am
                                         : 9 to 1 pm
                                                                                                                                                                                                                                                                                              We make the deal
             1175 Hun
            M T Th: 9 amngton Drive
                                                                                     Loans quoted below are Annual Percentage Rates as of April 1, 2011 and are subject to change without notice. Rate and                                                                                     you avoid all negotiations with the dealer
                                                                                      All loan rates
            F: 9 to pm to 5 • W: 10 am
                 am                                                                      finance amount is based on member loan qualifications, and vehicle or property value as applicable.
                       6 • Sa am
                                    : 9 to 1 pm to 5

          Lynwood                                                                        New Vehicle Loans2,3                                       As low as 1.00% - 18.00% (Daily Periodic Rate 0.002740% - 0.049315%)
                                                                                                                                                                                                                                                                                              We finance it
         3200 Mu (Plaza Mexico)                                                                                                                     Approximate terms from 12 - 96 months                                                                                                      at great rates
        M T Th: 9 am rd Avenue
                                                                                         Used Vehicle Loans                                         As low as 1.50% - 18.00% (Daily Periodic Rate 0.004110% - 0.049315%)
        F: 9 am to pm to 5 • W: 10 am
                    6 • Sa am                                                                                                                       Approximate terms from 12 - 84 months
                                 : 9 to 1 pm to 5                                                                                                                                                                                                                                             you drive it away

      Ontario                                                                            New & Used RV, Travel Trailer &                            As low as 6.00% - 18.00% (Daily Periodic Rate 0.016438% - 0.049315%)
                                                                                         5th-Wheel Loans2                                           Approximate terms from 24 - 144 months                                                                                                     paperwork takes about 30 minutes & the car
      975 Nort                                                                                                                                                                                                                                                                                 with the big red bow is yours!
     M T Th: 9 amHaven Avenue                                                            New & Used Motorcycle, Boat, Personal                      As low as 6.50% - 18.00% (Daily Periodic Rate 0.017808% - 0.049315%)
     F: 9 am to pm to 5 • W: 10 am                                                       Watercraft & New Off-Road Recreational                     Approximate terms from 24 - 84 months
                6 • Sa am
                             : 9 to 1 pm to 5                                            Vehicle Loans2

               ad                                                                        Personal Line of Credit3,6                                 Adjustable rates from 12.25% - 18.00% (Daily Periodic Rate 0.033561% - 0.049315%)
   GO1, 1st (GO) Edison employee
   M T Th F loor
                                         s only
              : 9 am to 5 pm
                               • W: 10 am                                                Visa Platinum4                                             10.00% - 18.00% variable. This APR will vary based on the Prime Rate.
  San Ono                                     to 5 pm
             fre (SONGS                                                                  Visa Platinum Rewards4 No annual fee                       11.00% - 18.00% variable. This APR will vary based on the Prime Rate.
 D1A, Pla                ) Edison                                                        Includes points program toward travel and gifts
 M T W F Side
                                            s only
           : 7:30 am to
Th: 7:30 am              3:30   pm
                                                                                         Home Equity Loans2,5,6                                     Fixed rates from 6.95% - 10.95%
Lending A to Noon; 1:00 pm to
            ppointme                   4:00 pm fo                                        Home Equity Lines of Credit              5,6
                                                                                                                                                    Adjustable rates as low as 4%
                        nts                         r
                                                                                         Home Equity Split Second                                   Set up part at a fixed rate and part as an adjustable-rate line of credit
                                                                                         First Trust Deed Loans               7
                                                                                                                                                    Buy or refinance your home with a fixed or variable rate loan program. Choose
                                                                                                                                                    from a variety of rates, terms and fee structures. Call us or visit our website for
                                       ingS                                                                                                         more information.
               C Lo S
ho     L i day            ay 30 y 4th

            r ial Da e Day – Jul                                                     Business Solutions and services including several checking options, money market, certificates, loans, lines
     Memo ndenc                           24/7 w
     Indep                        counts .org, or
                                                                                      We offer a full suite of business products
                            our ac scefcu                                                of credit and Visa cards, and merchant services. We are an approved SBA Lender.
                     cess y       at           voice
       You  can ac ard, online automated
                TM c          Line         575.
        your A g our Fast t 800.866.6
         by callin system a
                  nse                                11                                $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.

                                              28, 20                                 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
                                     e bruary                                        Pricing benefits. Relationship Pricing Package Qualifications: Premier Investor = Total deposit balances of $50,000 or more, Premier Exclusive = Checking with monthly deposits

                at        S As of F                                                  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.

          C U St                              2                                       All rates quoted are annual percentage rates and require electronic repayment. 3Rates shown reflect the 1-2-3-4 auto loan promotion. These promotional rates are not eligible

                                        42,56 59,360                                 for additional discounts through Relationship Pricing. 4We add between 7.25% to 14.75% to the Prime Rate to determine the APR. Relationship Pricing and electronic repayment
                     ers:                  483,8
                                                                                     discounts do not apply, 5Prime Rate of 3.25% as of 3.23.11 plus a margin that ranges from 0%-5% Prime Rate plus applicable margin and loan to value equals the rate. Floor
               Memb :
                                                                                     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.

               Ass ets
                                                                                     Lifetime cap is 6% above the fully indexed 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.                                                                         A $250
                       g me          mbers                                           Subordination fee is $75. Demand fee is $35. 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. A full appraisal may
                                                                                     be required at the borrower’s expense. 6Rate discounts of up to 0.25% are available with Relationship Pricing. Ask us for more information. 7Relationship Pricing and electronic
                                                                                                                                                                                                                                                                                                                             Home Depot GC
                                                                                     repayment discounts do not apply.

                                                                                     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.
                                                                                                                                                                                                                                                                                                                              could be yours!
                                     We do business in accordance with the Federal
                                     Fair Housing Law and the Federal Credit
                                                                                     In the event of a disaster, if you are unable to reach us by phone, visit our website at for information on how to
                                                                                     access your accounts. Rest assured, we have plans in place to allow us to continue to serve you.
                                                                                                                                                                                                                                                                                                                           read about it inside
                                     Opportunity Act. Federally insured by NCUA.
                     EQUAL HOUSING
                                                                               great auto loan rates!                                                                                                                                                                                  1         % aPR for
                                                                                                                                                                                                                                                                                                   one yeaR

                                                                                                                                        new, used and refinances
                                                                                                                                                                                                                                                                                       2         % aPR for
                                                                                                                                                                                                                                                                                                   tWo yeaRS

                                                                                       Buying a new car? Check out our lowest rates!
                                                                                       Buying used or refinancing? Just add ½ a percent!                                                                                                                                               3         % aPR for
                                                                                                                                                                                                                                                                                                   thRee yeaRS

                                                                               Rates shown as of 3.1.11, subject to change without notice, & require electronic repayment.
                                                                               A range of rates and finance amounts are available, based on member loan qualifications and vehicle value.
                                                                                                                                                                                                                                                                                       4         % aPR for
                                                                                                                                                                                                                                                                                                   FoUR or Five yeaRS

Dear Members,
                                                           r Credit
                                   icing support for ou
I’m askin   g for your help in vo now, all credit unions have
                       an a year
Union. For more th battle over what are known as “deb
            gaged in a                            a member,
                                                                   it                                                                    Calling everyone under age 18...
 been en                 es.” Each time you,
                                                                  ),                                                                           April is Youth Month at SCE FCU – where MONEY ROCKS!*
 card interchange fe Visa Check Card (your debit card e
 use your     SCE FCU                         med iately and th
                         s your payment im                                                                                                     Deposit Challenge – Turn up the amps! There’ll be four winners every week in April for $25 in cash, plus a chance
  a merchant receive s an interchange fee paid by the e                                                                                        to win one of two $100 cash grand prizes! Receive one chance at winning for every $20 you deposit into your Youth
  Credit Union rece a consumer, do not pay interchang are
  merchant. You, asrchange reflects a merchant's fair sh
   fees. Instead, inte convenient system. At SCE FCU, s
                                                                                                                                               Savings, Youth Super Saver or Youth Checking accounts during the entire month of April. The more you save, the more
                                                                                                                                               chances to win! New youth members will automatically receive two chances to win when they open their account!                                                                                                                       Trust your home loan to
   of the costs of this ts everything from re-issuing card g our
    interchange supporerchant data breaches to providin g.
    compromised by mer support, along with free checkin
                                                                                                                                               Fun contests in our branches – Every kid can rock out! Members age 8 and under can enter our coloring contest.
                                                                                                                                               Download the Money Rocks coloring sheet from our website, do your best coloring work, and take it to your nearest
                                                                                                                                               SCE FCU branch. The winning entry at each branch will receive a $25 cash prize! For members ages 9 to 17, we have
                                                                                                                                                                                                                                                                                                                                                                                              your Credit Union
                                                                                                                                               an art contest. Get creative and show us what being money smart can get you – in the form of a sculpture, painting,
     24-7 Visa call cent                                                                                                                                                                                                                                                                                                                                                              Whether your dream is to buy a new home, get a second home,
                                                          to fix the price                                                                     drawing or sketch.* Turn it in at an SCE FCU branch and we’ll choose one winner from each of these three age                                                                                                                           refinance or remodel, your Credit Union is here to help you make it
                                   serve was ordered
     Last ye  ar, the Federal Re a major package of legislation.                                                                               categories to win $100 cash: 9-11, 12-14 and 15-17!                                                                                                                                                                                    happen.
                           part of                                      the
      on interchange as deral Reserve has proposed settingl to
      In doin g so, the Fe                      has   the potentia                                                                                                                                                                                                                                                                                                                     • We offer a full line of home loans • We make it quick and easy
                           erating cost, which
                                                                                                                                                                                                         *Get complete rules and information at Art Contest Rules & Release Form must be signed by a parent or guardian for each entry.
      price below the op ion and our ability to offer debit ca
                                                                                                                                                                                               Download the form at Maximum one entry per member for Coloring Contest and Art Contest. Entries must be turned in during month of April.
                                                                                                                                                                                                                                                                                                                                                                                       • Tailored to your individual needs • Great rates, low fees, fair terms
       harm  the Credit Un                       kin g.
                            , such as free chec                                                                                                                                                                                                                                                                                                                                       Put your plans into action by calling us at 800.866.6474 or visiting
       and other products                                                                                                                                                                                                                                                                                                                                                   
                                                m and legislation s
                             gnized this proble                         es
        Congress has reco d to stop, study, and start this proc e to

        has be en introduce
                             I am asking for yo
                                                ur he   lp. From tim                                                                                                                                                                                                                                                                                                               Helping members buy homes... and keep them

                                                                                                                                                                                                Scar sal
                                                                        u to
        over, which is whyip of the Credit Union has asked yo hope

                                                                                                                                                                                              AS d
              the leadersh                               . Today, we
        time,                 ing letters to Cong
         support us by send lend your voice.
                                                                                                                                                                                                                                                                                                                                                                                                                                      Through June
                                                                                                                                                                                                                                                                                        one                                                                                                                                                     250
         you will once agai
       Action needed — an advocacy

                                                                                                                                 ITce fcu use
       Please go to conn d by credit unions for credit union u will                                                                                                                                                                                                                                                                                                                                                             Home Depot
       web page designeletters to Members of Congress. Yoail                                                                                                                                                                                                                                                                                                                                                                                                   Gift Card

       members to send your name, home address, and em letter
                                                                                                                                                                                                                                                                                                                                                                                                                           on loans of $150
       be asked to enter then be prompted with a pre-written or                                                                                                                                                                                                                                                                                                        FREE Firs                                                           ,000+ or $100
                                                                                                                                                                                                                                                                                                                                                                                                                                                           on loans of $10,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                            000 to $149,0
        address. You will tors and representative to co-spons
                                                                                                                                                                                                                                                                                                                                                                     Home Bu t-Time
        asking your Sena , study, and start a new process withve
        legislation to stop nge fees. If your elected officials hath                                                                                                                                                                                                   cars                                                                                                      yer Sem
         regard to intercha legislation, you will be prompted wi                                                                                                                                                                                            y, 100+                                                                                                   If you’r           in               ar
                                                                                                                                                                                                                                                      ariet                                                                                                           you’re   e    gettin
         co-sponsored the r. You will also be prompted with an ive                                                                                                                                                                             eat v                me                                                                                                          invited g ready to
          a “thank you” lette n to Connect for the Cause to rece It is                                                                                                                                                                  •	 Gr                elco                                                                                                                        to join        pu
                                                                                                                                                                                                                                                                                                                                                                                                  us and rchase your
          opportunity to opt-i is needed for credit union support. e in                                                                                                                                                                             e-i ns w             prize
                                                                                                                                                                                                                                                                                s1                                                                                       • Toda
                                                                                                                                                                                                                                                                                                                                                                                   y’s hou                  learn a        fi
                                                                                                                                                                                                                                                  d                    &                                                                                                                                            bout: rst home,
                                                                                                                                                                                                                                          •	 Tra                , fun                                                                                                   • Type              sing m
          alerts when action cision, but not required to participat
                                                                                                                                                                                                                                                          usic                                                                                                                    s of ho            arket c                                      Subject to credit qualification and

                                                                                                                                                                                                                                                       m                                                                                                                                                      onditio
           completely your de                                                                                                                                                                                                                                                                        d!
                                                                                                                                                                                                                                                                                                                                                                                                                                                  collateral value. Promotional offer is from
                                                                                                                                                                                                                                                                                                                                                                                           me fin
                                                                                                                                                                                                                                                                                                                                                                      • Hom
                                                                                                                                                                                                                                                                                      ts & urchase
                                                                                                                                                                                                                                                                                                                                                                                                   ancing             ns                          3.15.11 through 6.30.11. Offer is valid on

           this call to action.                                                                                                                                                                                                             •	 F               in  ai               e                                                                                            e inspe                     availab                              first mortgage loans, home equity loans

                                                                                                                                                                                                                                                                              y tick ar p
                                                                                                                                                                                                                                                       r to w
                                                                                                                                                                                                                                                                                                                                                                     • How                                           le                           and home equity lines of credit through
                                                       hope you will
                                                                                                                                                                                                                                                                       edwah every c
                                                                                                                                                                                                                                                 Ente                                            rates
                                                                                                                                                                                                                                                                                                                                                                                to sele
                                   vocacy efforts. We
                                                                                                                                                                                                                                                                                                                                                                                                                                                  SCE FCU. Ask us for complete terms and
                                                                                                                                                                                                                                                                    e                                                                                                                                        als, etc
               ank you for your ad E FCU.                                                                                                                                                                                                     •	             le Sp rd wit                   loan
                                                                                                                                                                                                                                                                                                                                                                    • &M                ct a re                                                   conditions.
            Th                                                                                                                                                                                                                                                                                                                                                              ore...               altor
                                                                                                                                                                                                                                                       inda                               t
                                t SC
            continue to suppor                                                                                                                                                                                                                                      a                                                                                           Our pa
                                                                                                                                                                                                                                                •	 Irw 50 gas c                our l                                                                           home nel of exper
                                                                                                                                                                                                                                                    a$                    off                                                                                 pitfalls buying proce ts will coach
                                                                                                                                                                                                                                                         ceiv  ea1                                                                                                    .                 ss to h          y
                                                                                                                                                                                                                                                                                                                                                                                                 elp you ou through
                                                                                                                                                                                                                                                   •	 Re
                                                                                                                                                                                                                                                                                                                                                             Saturd                                        avoid c the
                                                                                                                                                                                                                                                                                                                                                                     ay, Apr
                                                                                                                                                                                                                                                                                                                                                             SCE F
                                                                                                                                                                                                                                                                                                                                                                     CU Co il 30th • 10 am
                                                                                                                                                                                                                                                                                                                                                                                                                            n           New Bill Pay
                                                                                                                                                                                   Hamburger, chips and a drink for two at the IN-N-OUT lunch truck on-site only if pre-approved; $5 per person if not. 2Offer valid day of sale only. Rate and finance
                                                                                                                                                                                           amount is based on member loan qualifications and vehicle value. 3 NO PURCHASE NECESSARY. For official rules, visit our website or stop by a branch.
                                                                                                                                                                                                                                                                                                                                                                              to 626
                                                                                                                                                                                                                                                                                                                                                                                        Offices   to noo
                                                                                                                                                                                                                                                                                                                                                                                                 , Irwind n                            now available!
             Dennis Huber                                                                                                                                                                                                                                                                                                                                  Additio                    .646.2               ale
             President / CEO                                                                                                                                                                                                                                                                                                                              our we   nal da
                                                                                                                                                                                                                                                                                                                                                                          tes & lo             353, a
                                                                                                                                                                                                                                                                                                                                                                                                       s spac                               Check it out –
                                                                                                     PRE-APPROVALS                                                              CAR SALE                                                                                  IRWINDALE BRANCH                                                                        bsite fo
                                                                                                                                                                                                                                                                                                                                                                           r the la cations will               e is lim
                                                                                                                                                                                                                                                                                                                                                                                                                        ited.         it’s getting rave reviews!
                                                                                                     QUICK AND EASY                                                        SAT. APR. 16th, 2011                                                                         12701 SCHABARUM AVE.                                                                                         test inf       be add
                                                                                                                                                                                                                                                                                                                                                                                              o.              ed. Ch
                                                                                                       800.866.6474                                                      GATES OPEN AT 9:00 a.m.                                                                          AT RAMONA AND 605                                                                                                                           eck

To top