MONEY NEWSFall 2015 - FedONE Federal Credit Union

FedONE Federal Credit Union
Topics
MONEY NEWS
Fall 2015
Finance Your Auto
with FedONE
Finance Your Next Car with
FedONE Federal Credit Union
Get More with
HELOC
Stop Paying $3
Finding your dream car can be easy! Don’t let the auto loan process frustrate
CHOC Walk
you. FedONE FCU is here to help you navigate the auto loan process to your
Volunteer Needed
dream car and the open road.
Rates & Holidays
Our loan officers have helped thousands of members finance their new and
used cars, with ease and piece of mind. Starting the process is easier than ever!
Board Members
Lynn Kentfield
Chairman of the Board
Frank Hicks
Vice Chair of the Board
John McDonald
Board Treasurer
Toni Clinkscales
Board Secretary
Felix Rocha
Aut
n Ra
a
o
L
o
wa
A s Lo
te s
s
1 .4 9 %
APR*
Before visiting an auto dealership, get Pre-Approved. Applying only takes a
few minutes on our website (www.fedonefcu.org), or visit one of our branch
offices were a loan officer can guide you in the direction to your dream car.
Don’t like hassling with dealerships? Use AutoLand’s car buying services,
a simple and stress free way of shopping for a car. Contact Jorge Rivas at
(323) 980-5923 or email him at [email protected], don’t forget to mention
you’re a FedONE member.
Get your next vehicle financed at FedONE FCU. Apply online, www.fedonefcu.org, or call either branch
office at (949) 360-3203 or (213) 894-3808 to learn more.
*See FedONE Rep for more information on Auto Loans.
Phone Numbers:
Get the Most from a...
FedONE Home Equity Line of Credit
L.N.: (949) 360-3203
L.A. : (213) 894-3808
Home values are rising and FedONE’s FCU Home Equity Line of Credit (HELOC) rate are low. Get
Board Member
Fax Numbers:
L.N.: (949) 831-0928
L.A.: (213) 894-6515
www.fedonefcu.org
the most from your home and borrow up to $100,000!* Use the funds to remodel or upgrade a bathroom, kitchen, or an additional room; consolidate high rate credit cards or high loan balances.
FedONE’s Home Equity Line of Credit gives you a 15 year to draw period with a 15 year payback period.
Contact Nicole Holguin at (213) 894-3808 for all inquires regarding FedONE’s Home Equity Line of Credit.
*Credit limit based on loan to value and available equity.
H om
it
Ge t a e of Cre d
n
i
it y L
e Equ
Up to
$100,000*
Why Pay Banks $3...
When you can get your money for FREE
Using the wrong ATM often
Loan Rates
New/Used Auto Loans
Loan Amounts
Max Term
APR*
$5,000+
36 Months
1.49% - 9.24% APR.
surcharge
$10,001+
48 Months
1.49% - 9.24% APR.
both coming and going ̶ and
$15,001+
60 Months
1.49% - 9.24% APR.
means
possibly
paying
for
a
not
receiving
money. At a few banks, ATM
“denial fees” may accrue when
you attempt to withdraw more cash than your daily limit.
Translation: You’re charged for a transaction you could not complete.
Because FedONE FCU is a member of CO-OP Network, you
won’t ever have to pay a surcharge when withdrawing cash at one
of the 30,000 CO-OP Network ATM’s. ATM’s are located across
the United States in 7-Eleven stores, Costco, Walgreen’s and more.
FedONE FCU wants to make sure you never have to pay outlandish
fees to get your own money.
Did you know, if you withdraw money twice a week with a $3 surcharge fee per transaction, you’ll pay $312 a year in fees!
Stop paying surcharges! Use CO-OP Network ATM for all your
withdrawals. For more information, visit www.co-opnetwork.org
$20,001+
72 Months
1.49% - 9.24% APR.
$30,001+
84 Months
1.49% - 9.24% APR.
See a FedONE member rep for more information on auto loan rates.
• New Car purchase price includes: tax, license & extended service plan
• Used Car purchase/refinance includes: tax, license & extended service plan
- 4 Years and Newer: 100% of retail Kelley blue book.
- Older Than 4 Years: 100% of wholesale Kelley blue book.
Platinum VISA Card
Secured VISA Card
12% APR
Rate based on credit
7.99% APR – 13.99% APR*
Signature Loans
Secured Signature
Rate based on credit
2% Above
9.00% APR – 18.00% APR.
FedONE highest dividend rate
Terms up to 48 months. Motorcycle Loans
Boat Loans
New Motorcycle
Up to 90% Financing
4.99% APR.
8.75% APR
Terms up to 60 months
Used Motorcycle
5.99% APR.
Terms up to 60 months
APR —Annual Percentage Rate. See Current Rates at our Website.
Call the Credit Union for details on loans.
*
Helping the Children:
Team FedONE FCU Walks for CHOC
For the past 3 consecutive years FedONE FCU has participated in
the annual Children’s Hospital of Orange County (CHOC) Walk in
the Park at Disneyland.
Last year (2014), Team FedONE FCU joined 19 other credit unions
to work together for CHOC. More than 1,300 credit union walkers
participated in the CHOC Walk and raised over $175,000 in cash
donations.
Holidays
Closed
Mon.
Oct. 12
Columbus Day
Closed
Wed.
Nov. 11
Veterans Day
Closed
Thur.
Nov. 26
Thanksgiving Day
Closed
Fri.
Nov. 27
Credit Union Day Off
Closed
Fri.
Dec. 25
Christmas Day
Closed
Fri.
Jan. 1
New Year’s Day
Subject to change without notice.
^
Join Team FedONE FCU in raising donations for Children’s
Hospital of Orange County. Donate at a FedONE FCU branch
office before our deadline of October 10, 2015.
Volunteer Needed:
Contact us:
Board Members Opportunities
FedONE is looking for members to serve
on the Board of Directors and Supervisory
Committee. We need volunteer’s that can
meet once a month to participate in planning the future of the
credit union.
Contact CEO, Richard Rosales at (949) 360-3203 with a list of
qualifications.
Laguna Niguel
Phone: (949) 360-3203
Fax: (949) 831-0928
Los Angeles
Phone: (213) 894-3808
Fax: (213) 894-6515
Mailing address:
FedONE Federal Credit Union
24000 Avila Rd., #U120
Laguna Niguel, CA 92677
Mailing Note:
All correspondence should be sent to mailing address.
www.fedonefcu.org