shred day - First California Federal Credit Union

Rates
Loans
Maximum
APR
Term
As Low As
Published by:
First California
Federal Credit Union
2525 East Shields Avenue
Fresno, California 93726
Phone: (559) 226-8282
Toll Free: 1-877-542-0003
Fax: (559) 228-0758
Hours: Monday-Friday:
10:00 a.m. - 5:30 p.m.
Quick-Phone
Audio Response System:
1-800-508-9665
24-Hour Loan Center:
1-800-256-6186
Website & Virtual Branch:
www.firstcalfcu.org
Mortgage Loan Center:
1-888-469-0191
After Hours Call Center:
1-877-886-7709
COST
$1000
Borrowed
Monthly
Payment
Financial Report
84 Months** . . . . . . . . . . . . . . . . 3.20% . . . . . . . . . $13.30
As of February 28, 2012
Members������������������������������������������������������������ 8,996
Assets ������������������������������������������������������ $72,187,534
Deposits����������������������������������������������������$63,522,219
Loans��������������������������������������������������������$22,339,153
Capital������������������������������������������������������$ 8,412,921
USED AUTO LOANS (2003 OR NEWER)
48 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $22.12
72 Months* . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $15.18
Is a New or Used Vehicle In Your
Future?
NEW AUTO LOANS
48 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $22.12
60 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $17.96
72 Months* . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $15.18
*Minimum amount financed $15,000
SPRING 2012
**Minimum amount financed $25,000
*Minimum amount financed $15,000
RV LOANS
New RV – 60 Months . . . . . . . . . 5.40% . . . . . . . . . $19.06
Used RV – 60 Months . . . . . . . . 6.50% . . . . . . . . . $19.57
BOAT LOANS
New Boat – 60 Months . . . . . . . . 5.50% . . . . . . . . . $19.10
Used Boat – 60 Months . . . . . . . 6.00% . . . . . . . . . $19.33
PERSONAL LOANS
48 Months . . . . . . . . . . . . . . . . . . 10.25% . . . . . . . . . $25.48
HOME EQUITY LOAN FIXED RATE
7 Years . . . . . . . . . . . . . . . . . . . . 6.49%
15 Years . . . . . . . . . . . . . . . . . . . 7.40%
Visa Credit Card . . . . . . . . . . . . . 15.49%
* Special Rate
APR = Annual Percentage Rate. All loans subject to credit approval.
The Annual Percentage Rate on designated loan types will be determined
by: 1) The credit history of the applicants(s), 2) The terms of the loan, and
3) The dollar amount financed. All loan rates subject to change without
notice. Other rates and terms available. Certain restrictions may apply.
Loans also available for: New & Used Motorcycles, Personal
Computers, Mortgages, Home Equity Lines of Credit, Share Secured
VISA, Share Secured Loans, and Certificate Secured Loans
When shopping for a new vehicle, tell the dealer
you want CUDL Financing with credit union low
rates.
www. c ud l. c om
Credit Union Values – Dealership Convenience
Buying or Refinancing a Home?
For a Credit Union Mortgage, Call: (888) 469-0191
Pre Qualification
Free Comprehensive
Mortgage Advice
Plus Many More Options
American
Share
Insurance
“Your Financial Connection”
serving Active and Retired Federal
Government Employees, Military,
Business Partners and Qualifying
Family/Household individuals
working or living in Fresno County.
In this issue
First California Federal
Credit Union
Document Shred Day
— page 1
Spring is in the air…
— page 2
Spring Loan
— page 2
Here a CO-OP ATM…
There a CO-OP ATM
— page 3
Busy, Busy, Busy?
— page 3
Volunteers Wanted
— page 3
First California Federal Credit Union
Document Shred Day
Saturday, June 2, 2012 - 10 a.m. to 2 p.m.
Do you have old documents or financial papers you no longer need?
Protect your identity and get rid of them the right way…at First California
Federal Credit Union’s “Document Shred Day.” We’ll have a truck onsite
to shred your documents for you. It’s FREE! Plus, the shredding will
benefit the Fresno Chaffee Zoo for animal habitat enrichment.
It’s a great community service too!
Bring the kids and your camera, too. Fresno Chaffee Zoo will be bringing
their Zoo Mobile. You can check out some skulls on the Biofax display
table, plus you’ll have a chance to take your child’s picture in an Orangutan
Nest.
More Fun!! Mega 97.9 Radio station
will be here from 10 a.m. – 12 p.m.
playing your favorite tunes. And,
you don’t want to miss your last
chance to win tickets to FREESTYLE
EXPLOSION THAT NIGHT!
Free shredding is limited to 3 banker
size boxes. Have extra shred? We’ll
shred an additional 5 boxes for a
donation of $3 to Fresno Chaffee Zoo
for each additional box.
Save the date and plan to come to
First California Federal Credit Union’s
“Document Shred Day”!
First California
Federal Credit Union
Document
SHRED DAY
Saturday June 2, 2012 • 10 a.m.-2 p.m.
At First California Federal Credit Union
2525 East Shields Ave. • Fresno, California 93726 • (559) 226-8282
.
. to 12 p.m
night!
Here 10 a.m
LOS ION” that
ESTYLE EXP
Win tickets
to “FRE
Onsite wit
& Bio-Facts h Zoo Mobile
Table (skull
s)
Bring your camera!
Take a picture of your child in an orangutan nest!
All shredded paper will benefit the Fresno Chaffee Zoo for animal habitat enrichment.
Up to 3 bankers boxes shredded FREE.
Up to 5 additional bankers boxes shredded for a donation to the Zoo of $3 per box.
2525 East Shields Avenue
Fresno, California 93726
PRSRT STD
U.S. POSTAGE
PAID
FRESNO, CA
PERMIT NO. 1920
Holiday Closings
Get rates as low
as 1.99% APR
for 60 months!2
Memorial Day
Monday, May 28, 2012
Independence Day
Wednesday, July 4, 2012
Thoughts for
the Quarter:
Take advantage of this great offer April 20 - May 5, 2012.
“In art, the
57580-auto-0412
Spring is in the air…
hand can never
And with it comes the First California Federal Credit Union & Enterprise Car Sales
“Spring It On” used auto sales event. FCFCU offers our members rates as low as
1.99% APR. And remember, 2009 – 2012 vehicles qualify for new auto rates. That’s
additional savings for you. Enterprise will appraise your trade-in using the Kelley
Blue Book and add $500.00 when you purchase your next vehicle from them. This
offer is a win/win deal so don’t miss out on this great opportunity. Visit Enterprise
Car Sales at 6187 N. Blackstone Ave. on April 20 – May 5, 2012 only and drive
away in the vehicle of your choice!
execute anything
higher than the heart
can imagine.”
-Ralph Waldo Emerson
“The most I can do
for my friend is simply be his
friend.”
-Henry David Thoreau
APR = Annual Percentage Rate. Rates as low as 1.99% APR for 60 months. You pay just $17.52 for every $1,000 borrowed with a 60 month term. Up to
110% financing available including Tax, Title, and License. Financing for qualified First California Federal Credit Union members. Not all buyers will
qualify. Actual rate may vary based on credit worthiness. This offer cannot be combined with any other offer. Trade-In values obtained from 2012 Kelley
Blue Book Co.’s website KBB.com Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the
condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle
Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light
duty trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds
Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one
trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including
Alaska, Kentucky, Louisiana, Nebraska, South Carolina, Texas, Virginia and Wisconsin. Offer valid from 4/20/12 to 5/5/12. Used vehicles were previously
part of Enterprise short-term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term
rental lease or other.
The “e” logo, Enterprise, and “Haggle-free buying, Worry-free ownership” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property
of their respective owners. 2012 Enterprise Car Sales. C05096 D103/12 KD
“If we don’t change, we
don’t grow. If we don’t grow, we
aren’t really living.”
-Gail Sheehy
Spring Loan
Has “Mother Nature” taken its toll on your home this winter? Is your house
in need of new paint? Maybe your landscaping needs repair or patio furniture
needs replacing after the winter winds. Or maybe new home furniture, carpet
or appliances are on your list. This personal loan has a special rate as low as
8.00% APR. Maximum loan amount is $5,000 with up to 36 months financing.
This special is only available April 1 through May 31, 2012. Apply online at
www.firstcalfcu.org or by phone at 1-800-256-6186. With rates as low as 8.00%
APR you pay just $31.33 for every $1,000 borrowed with a 36 month term.
“We’ve stood the test of time since 1924.”
Here a
ATM…There a
ATM
Are you paying ATM fees when you withdraw cash, check balances or transfer money at an ATM? STOP! First
California Federal Credit Union is a member of the CO-OP Network. You can use any CO-OP Network ATM fee
free. Save yourself some money and use CO-OP Network ATM’s for your transactions. Need to make a deposit?
The CO-OP Network also offers free deposits at designated CO-OP Network ATMs. Look for the CO-OP
Network Deposit logo.
Locate a CO-OP Network ATM near you by:
• Downloading the CO-OP Network logo from the App Store
• Texting your location (address, intersection or zip) to 692667
(Message and Data Rates May Apply)
• Call Toll Free 888-SITE-CO-OP
• Online at www.co-opnetwork.org
• Download the database directly into your GPS device
Busy, Busy, Busy?
Life is busy. We know sometimes it’s hard to keep up with all the changes. If you have changed your name,
address, phone number or e-mail address, please let us know. We want to make sure your statement gets to
you in a timely manner as well as any notifications of changes at the credit union. Please stop by or send us
the new information by mail with your signature. It just makes life a little easier.
Volunteers Wanted
First California Federal Credit Union is accepting applications for the Supervisory Committee. Our Supervisory
Committee positions are voluntary. We are looking for members who have the time, interest, and commitment to
serve in this position for the benefit of all members.
The Supervisory Committee is responsible for ensuring that internal controls are in place to protect the credit
union and overseeing the credit union records.
If you are interested in submitting an application, please fill out the attached form and the Volunteer Recruitment
Committee will contact you. All volunteers must be members in good standing of First California Federal Credit
Union.
Name_____________________________________________________________________________________
Contact Phone #__________________________________________Member #___________________________
Address__________________________________________________________________________________
City__________________________________________________State____________Zip________________
Mail to: First California Federal Credit Union
Attn: Volunteer Search
2525 E. Shields Ave.
Fresno, CA 93726
Share Credit Union membership with family, co-workers,
and friends! Contact us today!
Holiday Closings
Get rates as low
as 1.99% APR
for 60 months!2
Memorial Day
Monday, May 28, 2012
Independence Day
Wednesday, July 4, 2012
Thoughts for
the Quarter:
Take advantage of this great offer April 20 - May 5, 2012.
“In art, the
57580-auto-0412
Spring is in the air…
hand can never
And with it comes the First California Federal Credit Union & Enterprise Car Sales
“Spring It On” used auto sales event. FCFCU offers our members rates as low as
1.99% APR. And remember, 2009 – 2012 vehicles qualify for new auto rates. That’s
additional savings for you. Enterprise will appraise your trade-in using the Kelley
Blue Book and add $500.00 when you purchase your next vehicle from them. This
offer is a win/win deal so don’t miss out on this great opportunity. Visit Enterprise
Car Sales at 6187 N. Blackstone Ave. on April 20 – May 5, 2012 only and drive
away in the vehicle of your choice!
execute anything
higher than the heart
can imagine.”
-Ralph Waldo Emerson
“The most I can do
for my friend is simply be his
friend.”
-Henry David Thoreau
APR = Annual Percentage Rate. Rates as low as 1.99% APR for 60 months. You pay just $17.52 for every $1,000 borrowed with a 60 month term. Up to
110% financing available including Tax, Title, and License. Financing for qualified First California Federal Credit Union members. Not all buyers will
qualify. Actual rate may vary based on credit worthiness. This offer cannot be combined with any other offer. Trade-In values obtained from 2012 Kelley
Blue Book Co.’s website KBB.com Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the
condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In value is not available for your vehicle
Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $500 is available only on passenger vehicles and light
duty trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds
Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one
trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales Manager. Offer void where prohibited including
Alaska, Kentucky, Louisiana, Nebraska, South Carolina, Texas, Virginia and Wisconsin. Offer valid from 4/20/12 to 5/5/12. Used vehicles were previously
part of Enterprise short-term rental, lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term
rental lease or other.
The “e” logo, Enterprise, and “Haggle-free buying, Worry-free ownership” are trademarks of Enterprise Holdings, Inc. All other trademarks are the property
of their respective owners. 2012 Enterprise Car Sales. C05096 D103/12 KD
“If we don’t change, we
don’t grow. If we don’t grow, we
aren’t really living.”
-Gail Sheehy
Spring Loan
Has “Mother Nature” taken its toll on your home this winter? Is your house
in need of new paint? Maybe your landscaping needs repair or patio furniture
needs replacing after the winter winds. Or maybe new home furniture, carpet
or appliances are on your list. This personal loan has a special rate as low as
8.00% APR. Maximum loan amount is $5,000 with up to 36 months financing.
This special is only available April 1 through May 31, 2012. Apply online at
www.firstcalfcu.org or by phone at 1-800-256-6186. With rates as low as 8.00%
APR you pay just $31.33 for every $1,000 borrowed with a 36 month term.
“We’ve stood the test of time since 1924.”
Here a
ATM…There a
ATM
Are you paying ATM fees when you withdraw cash, check balances or transfer money at an ATM? STOP! First
California Federal Credit Union is a member of the CO-OP Network. You can use any CO-OP Network ATM fee
free. Save yourself some money and use CO-OP Network ATM’s for your transactions. Need to make a deposit?
The CO-OP Network also offers free deposits at designated CO-OP Network ATMs. Look for the CO-OP
Network Deposit logo.
Locate a CO-OP Network ATM near you by:
• Downloading the CO-OP Network logo from the App Store
• Texting your location (address, intersection or zip) to 692667
(Message and Data Rates May Apply)
• Call Toll Free 888-SITE-CO-OP
• Online at www.co-opnetwork.org
• Download the database directly into your GPS device
Busy, Busy, Busy?
Life is busy. We know sometimes it’s hard to keep up with all the changes. If you have changed your name,
address, phone number or e-mail address, please let us know. We want to make sure your statement gets to
you in a timely manner as well as any notifications of changes at the credit union. Please stop by or send us
the new information by mail with your signature. It just makes life a little easier.
Volunteers Wanted
First California Federal Credit Union is accepting applications for the Supervisory Committee. Our Supervisory
Committee positions are voluntary. We are looking for members who have the time, interest, and commitment to
serve in this position for the benefit of all members.
The Supervisory Committee is responsible for ensuring that internal controls are in place to protect the credit
union and overseeing the credit union records.
If you are interested in submitting an application, please fill out the attached form and the Volunteer Recruitment
Committee will contact you. All volunteers must be members in good standing of First California Federal Credit
Union.
Name_____________________________________________________________________________________
Contact Phone #__________________________________________Member #___________________________
Address__________________________________________________________________________________
City__________________________________________________State____________Zip________________
Mail to: First California Federal Credit Union
Attn: Volunteer Search
2525 E. Shields Ave.
Fresno, CA 93726
Share Credit Union membership with family, co-workers,
and friends! Contact us today!
Rates
Loans
Maximum
APR
Term
As Low As
Published by:
First California
Federal Credit Union
2525 East Shields Avenue
Fresno, California 93726
Phone: (559) 226-8282
Toll Free: 1-877-542-0003
Fax: (559) 228-0758
Hours: Monday-Friday:
10:00 a.m. - 5:30 p.m.
Quick-Phone
Audio Response System:
1-800-508-9665
24-Hour Loan Center:
1-800-256-6186
Website & Virtual Branch:
www.firstcalfcu.org
Mortgage Loan Center:
1-888-469-0191
After Hours Call Center:
1-877-886-7709
COST
$1000
Borrowed
Monthly
Payment
Financial Report
84 Months** . . . . . . . . . . . . . . . . 3.20% . . . . . . . . . $13.30
As of February 28, 2012
Members������������������������������������������������������������ 8,996
Assets ������������������������������������������������������ $72,187,534
Deposits����������������������������������������������������$63,522,219
Loans��������������������������������������������������������$22,339,153
Capital������������������������������������������������������$ 8,412,921
USED AUTO LOANS (2003 OR NEWER)
48 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $22.12
72 Months* . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $15.18
Is a New or Used Vehicle In Your
Future?
NEW AUTO LOANS
48 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $22.12
60 Months . . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $17.96
72 Months* . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $15.18
*Minimum amount financed $15,000
SPRING 2012
**Minimum amount financed $25,000
*Minimum amount financed $15,000
RV LOANS
New RV – 60 Months . . . . . . . . . 5.40% . . . . . . . . . $19.06
Used RV – 60 Months . . . . . . . . 6.50% . . . . . . . . . $19.57
BOAT LOANS
New Boat – 60 Months . . . . . . . . 5.50% . . . . . . . . . $19.10
Used Boat – 60 Months . . . . . . . 6.00% . . . . . . . . . $19.33
PERSONAL LOANS
48 Months . . . . . . . . . . . . . . . . . . 10.25% . . . . . . . . . $25.48
HOME EQUITY LOAN FIXED RATE
7 Years . . . . . . . . . . . . . . . . . . . . 6.49%
15 Years . . . . . . . . . . . . . . . . . . . 7.40%
Visa Credit Card . . . . . . . . . . . . . 15.49%
* Special Rate
APR = Annual Percentage Rate. All loans subject to credit approval.
The Annual Percentage Rate on designated loan types will be determined
by: 1) The credit history of the applicants(s), 2) The terms of the loan, and
3) The dollar amount financed. All loan rates subject to change without
notice. Other rates and terms available. Certain restrictions may apply.
Loans also available for: New & Used Motorcycles, Personal
Computers, Mortgages, Home Equity Lines of Credit, Share Secured
VISA, Share Secured Loans, and Certificate Secured Loans
American
Share
Insurance
When shopping for a new vehicle, tell the dealer
you want CUDL Financing with credit union low
rates.
www. c udl. c om
Credit Union Values – Dealership Convenience
Buying or Refinancing a Home?
For a Credit Union Mortgage, Call: (888) 469-0191
Pre Qualification
Free Comprehensive
Mortgage Advice
Plus Many More Options
“Your Financial Connection”
serving Active and Retired Federal
Government Employees, Military,
Business Partners and Qualifying
Family/Household individuals
working or living in Fresno County.
In this issue
First California Federal
Credit Union
Document Shred Day
— page 1
Spring is in the air…
— page 2
Spring Loan
— page 2
Here a CO-OP ATM…
There a CO-OP ATM
— page 3
Busy, Busy, Busy?
— page 3
Volunteers Wanted
— page 3
First California Federal Credit Union
Document Shred Day
Saturday, June 2, 2012 - 10 a.m. to 2 p.m.
Do you have old documents or financial papers you no longer need?
Protect your identity and get rid of them the right way…at First California
Federal Credit Union’s “Document Shred Day.” We’ll have a truck onsite
to shred your documents for you. It’s FREE! Plus, the shredding will
benefit the Fresno Chaffee Zoo for animal habitat enrichment.
It’s a great community service too!
Bring the kids and your camera, too. Fresno Chaffee Zoo will be bringing
their Zoo Mobile. You can check out some skulls on the Biofax display
table, plus you’ll have a chance to take your child’s picture in an Orangutan
Nest.
More Fun!! Mega 97.9 Radio station
will be here from 10 a.m. – 12 p.m.
playing your favorite tunes. And,
you don’t want to miss your last
chance to win tickets to FREESTYLE
EXPLOSION THAT NIGHT!
Free shredding is limited to 3 banker
size boxes. Have extra shred? We’ll
shred an additional 5 boxes for a
donation of $3 to Fresno Chaffee Zoo
for each additional box.
Save the date and plan to come to
First California Federal Credit Union’s
“Document Shred Day”!
First California
Federal Credit Union
Document
SHRED DAY
Saturday June 2, 2012 • 10 a.m.-2 p.m.
At First California Federal Credit Union
2525 East Shields Ave. • Fresno, California 93726 • (559) 226-8282
.
. to 12 p.m
night!
Here 10 a.m
LOS ION” that
ESTYLE EXP
Win tickets
to “FRE
Onsite wit
& Bio-Facts h Zoo Mobile
Table (skull
s)
Bring your camera!
Take a picture of your child in an orangutan nest!
All shredded paper will benefit the Fresno Chaffee Zoo for animal habitat enrichment.
Up to 3 bankers boxes shredded FREE.
Up to 5 additional bankers boxes shredded for a donation to the Zoo of $3 per box.