The Best Financing Deals on Wheels as Low as 1.49% APR

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Unite, Learn, Grow with CSFCU
The Best Financing Deals on Wheels
as Low as 1.49% APR*!
Ready to roll into 2015 in a new vehicle?
Or, maybe you’d like to reduce your current
car payments. Either way, County Schools
FCU should be your first stop:
• Special rates as low as 1.49% APR*
• Terms from 2 to 7 years
• Fast and easy preapprovals
• GAP Loan Protection Insurance
January 2015
Apply for your loan at (805) 644-4657,
stop by our office or apply online at
www.csfcu.org.
*APR = Annual Percentage Rate. Rates
are based on balance, term, model year of
car and credit report. Loans are subject to
credit approval. Visit www.ccsfcu.org for
full disclosure. Exclusions may apply.
Partners in Excellence—an
Excellent Shopping Alternative
CSFCU has exclusive relationships with
local dealers for new and pre-owned cars
for hassle-free discounted pricing and
top dollar for your trade-in. For a list of
participating dealers, visit the Auto Loans
page of our website.
Welcome
A Message from John Bagents
This will be an exciting year! To
better serve you, we will offer several
special programs in 2015. Beginning
in January, we are lowering our
auto loan rates to as low as 1.49%
APR*. If you have loans at another
institution, this is the time to lower
your payments! We will offer other
promotions and specials throughout
the year, so keep an eye out for great
saving opportunities!
Get to Know Our Staff
Save Time and Avoid Fees…Plug into
Our Convenient Services
We offer an impressive lineup of account
access services to make your life easier
and help you avoid fees.
nationwide, including access to
15 new fee-FREE (non-deposit)
ATMs inside local Rite Aid stores.
Stay in Touch with Our Mobile App
It’s easy to avoid overdraft fees when
your account balance is as close as your
mobile device. Our Free Mobile App
is available for iPhone® and Android®
smartphones and iPads®. Download it
today at your device’s app store.
Convenient Options Are Non-Stop
Don’t forget about these tried and true
ways to save time and money:
• 24/7 Online Banking and Bill Pay.
• 24-Hour Lending Center for fast
answers on your loan apps.
• eStatements eliminate the clutter of
paper and open the door to Simply
Free Checking. Subscribe to eAlerts.
• Touch Tone Express allows you to
check balances, transfer funds and
more!
Call or stop by the credit union today to
put these services to work for you.
Popmoney® Is as Cool as It Sounds
POP stands for Pay Other People. Send
and receive money as easily as you send
and receive emails for a very small fee!
More Free ATMs Than the Big Banks!
You have access to over 30,000
surcharge-FREE CO-OP® ATMs
Membership Verification Required for
SPRINT Member Discounts
For exclusive credit union member discounts on monthly plans,
activations and upgrades, Sprint now requires that you verify
your membership at CSFCU.
• New Sprint Customers: Verify membership within 30
days of new service activation.
• Current Sprint Customers: Verify CSFCU membership
when you upgrade your device, if it has been 20
months since you last validated.
You can verify membership using the free “Love My
Credit Union” Rewards app. Search for “Love My Credit
Union Rewards” at your app store or fill out the verification
form at: LoveMyCreditUnion.org/Sprint and fax it in.
Fee-FREE ATMs Inside Local Rite Aid Stores!
Ann Lukens
Systems Coordinator
Fun Facts About Me:
• I’ve been with CSFCU for 16 years.
• I love Steelers football, thrifting, The
Big Bang Theory and spending time
with my family.
• I started out in the Collections
Department at CSFCU.
“One of my favorite things about
CSFCU is its members. Getting to
know them the past 16 years has
been a wonderful experience.”
When Members Talk,
We Listen
We’re your credit union, so we’re
always interested in your opinions
and suggestions about our
products and services. Feel free to
email us at CSFCU.Supervisory.
[email protected]. If you
would like us to respond to you
directly, be sure to include your
contact information.
A HELOC Could Help You Save on Your Taxes!
Make Changes in 2015 to
Improve Your Financial Life
Get an Inside Look
at CSFCU at Our
Next Annual Meeting
A fresh calendar is the time to make
positive changes and get your life and
finances on a better course. Here are
a few tips to help you save money and
improve your household budget.
Tax Refund Coming? Use it to pay
down or pay off credit card debt, or
deposit it in a savings account for
emergencies or an IRA for retirement.
Go Discount Hunting. Competition
is fierce in the cable TV and Internet
industries. Ask your service provider for a
customer loyalty/retention discount.
Cut Your Mobile Phone Bill. Sprint
offers discounts to credit union members
that can save you 10% or more on a
service plan, plus you can get activation
and upgrade fees waived.
Christmas Club Savings. Build a holiday
budget for 2015 with small, automatic
deposits into a Christmas Club savings
account.
Savings Fun Fact. Did you know, if you
started a savings plan in the first week
of the New Year with just ONE DOLLAR
and increased your savings by just ONE
DOLLAR each week for the entire year
(52 weeks), you would end up with nearly
$1,400?
Simple Annual Savings Plan
Week
Weekly
Savings
Amount
Saved
1
$1.00
$1.00
5
$5.00
$15.00
10
$10.00
$55.00
15
$15.00
$120.00
20
$20.00
$210.00
25
$25.00
$325.00
30
$30.00
$465.00
35
$35.00
$630.00
40
$40.00
$820.00
45
$45.00
$1,035.00
50
$50.00
$1,275.00
52
$52.00
$1326.00
For additional tips on becoming a better
saver, visit our website at www.csfcu.org.
At CSFCU, we offer a FIXED rate HELOC
to protect you against rising rates:
• FIXED rates as low as 7.5% APR*
• Adjustable-rate loans as low as
4.5% APR*
• Flexible draw period allows loan
advances as needed
• Repayment terms up to 25 years
Whether applying for a mortgage
or HELOC, you’ll benefit from our
knowledgeable and friendly service every
step of the way. To apply for your home
loan, call (805) 644-5647, stop by or apply
online at www.csfcu.org.
Protect Yourself with
Free Credit Reports
Obtaining a free annual credit report is
one of the best ways to prevent ID theft
and fraud. You can get one free credit
report each year from each of the three
major credit bureaus: TransUnion, Experian
and Equifax. For your report, go to
www.annualcreditreport.com.
Look for suspicious transactions and
new credit card or loan accounts you did
not open. Notify us immediately if your
credit or debit card is lost or stolen, or if
you suspect fraudulent activity on your
accounts.
Hours
Monday-Thursday: 10 am-5:30 pm
Friday and last business day
of the month: 10 am-6 pm
Lower Your Tax Bill with a HELOC!
A Home Equity Line of Credit (HELOC)
comes with generous credit limits, flexible
loan advances, unlimited uses and
potential tax advantages!
You’re invited to join us at
CSFCU’s annual meeting and
election of officials in April 2015.
We will post the official date and
time on our website and in our
branch lobby. The meeting will
take place at our main office,
4591 Market Street, Ventura CA.
The agenda will include elections
of volunteer officials,
plus reports from the
Board Chairman,
CEO, Supervisory
Committee and
Treasurer. We hope
to see you there!
Get Involved as a Volunteer
Board Member
Do you have what it takes to help lead
the success of County Schools FCU? If
you’re an experienced business or finance
expert, and you’re looking for a rewarding
opportunity, we would love to hear from
you! Applications for volunteer positions
on our Board of Directors or Supervisory
Committee are available on our website
and at CSFCU.
Saturday-Sunday: Closed
Access 30,000 CO-OP® Fee-FREE
ATMs, 24/7. Find the one nearest you
at www.csfcu.org.
Holidays
We will be closed or have reduced
hours on the following holidays:
Thursday, January 1
New Year’s Day
Monday, January 19
Martin Luther King, Jr. Day
(Observed)
Monday, February 16
Presidents’ Day
Stay Connected!
Branch Location:
4591 Market St., Ventura, CA 93003
Touch-Tone Express:
(805) 644-1580 or (800) 737-1205
www.csfcu.org
Download Our Mobile App:
County Schools FCU
This credit union is
federally insured by the
National Credit Union
Administration.