Change the Beat with a Rockin` Card

Spr
Change the Beat with a Rockin’ Card Only from METRO.
Introductory Rate on Balance Transfers!
M
ETRO’s Visa® Platinum and Visa Platinum Rewards Credit Cards belong in the
credit card hall of fame, with low rates that are among the lowest in the nation.
Whether you’re interested in a basic credit card, or one that earns reward points, we
have the card for you!
Both cards offer:
• No annual fee
• Credit limits up to $20,000
• 24/7 online convenience
• Balance transfer option
Our service is hard to beat, and for a limited
time, we’re offering a special introductory
rate on balance transfers that post to your
account by May 31, 2011.
It’s time to join our band. For rates and details, or to apply for your METRO Visa credit
card, visit www.Rock-n-Rates.com, give us a call at 619.297.4835, or toll free at
888.90.SDMCU (907.3628), or visit us at any branch location today!
*Introductory rate available on balance transfers posted to your account by 5/31/11. New cards must be established by 5/20/11 in order to participate in balance transfer promotion. All loans are subject to credit approval.
Just Roll With It Baby.
METRO – Your Vehicle Loan Destination!
i n g
2011
Crank up the Savings
with a Signature
Loan from METRO
M
ETRO’s Signature Loans really
rock - with rates that are
among the lowest in the nation, as low
as 9.99%APR*! It’s all in the way that you
use it, too. And you can use this loan
for just about any purpose, from
cleaning up your bills to covering
unexpected expenses. It’s money for
almost nothing and your kicks for free!
Signature Loans offer:
• $20,000 maximum loan
amounts
• Up to 60 month term
• Payments as low as $21.24
per $1,000 borrowed*
METRO’s Rock-n-Rates will
be on tour for a short time –
through May 31, 2011.
Applying is easy.
Visit us online at
www.Rock-n-Rates.com
or complete the quick
application at the
branch nearest
you today.
F
or a limited time, METRO is offering Rock-n-Rates on vehicle loans - as low as
1.98%APR* with automatic payments. You’ll save big with our loans, putting your
budget back in tune. And, we can even pre-approve you in minutes so you can go
shopping today for that new car, truck or SUV!
When you rock with METRO, you’ll enjoy:
• Rates as low as 1.98%APR* with automatic
payments
• New or Used
• Up to 36-month term
• Other rates and terms available
*APR = Annual Percentage Rate. Rates and terms are effective
2/1/11 and are subject to change without notice. All loans are
subject to credit approval. Signature Loan rates, with automatic
payments, begin as low as 9.99%APR for a term of up to 60
months, and are based on a certain level of credit worthiness.
Based upon a 9.99%APR and 60-month term, monthly payments
would be $21.24 per $1,000 borrowed. No additional discounts
may be used in conjunction with stated rate. Other rates and
terms are available. Restrictions and conditions may apply.
It’s time to join our band. To get started, apply
online at www.Rock-n-Rates.com, give us a
call at 619.297.4835, or visit us at any branch
location today, and you’ll be on your way to
extra savings!
*APR = Annual Percentage Rate. Rates and terms are effective 2/1/11 and are
subject to change without notice. All loans are subject to credit approval. Vehicle Loan rates, with automatic payments, begin as low as 1.98%APR
for a term of up to 36 months, and are based on a certain level of credit worthiness. Based upon a 1.98%APR and 36-month term, monthly payments would be $28.63 per $1,000 borrowed. No additional discounts may be used in conjunction with stated rate. Current SDMCU loans are not
eligible for refinance. Other rates and terms are available. $2,500 minimum loan amount. Restrictions and conditions may apply.
Join our Band.
Visit Rock-n-Rates.com
Car-Buying
Made Easy, with
New Cars Inc.
FREE Financial
Workshops...
We are requesting your feedback on the Free Financial Workshops that
we offer. Are these topics of interest to you?
S
an Diego Metropolitan Credit Union
has partnered with New Cars Inc.
(NCI), a local auto-buying service, to
bring you another easy way to buy a
new car, truck or SUV. New Cars Inc. has
helped members save time, hassle and
money for over 25 years, and they have
a state of the art website to help you
shop for the vehicle of your dreams. On
this website, you’ll have the ability to:
• Receive a trade-in evaluation
• Compare and receive quotes on
new vehicles
• View pictures and information on the
pre-owned inventory
• And so much more
As a special benefit of your membership
with METRO, when you purchase
a vehicle through New Cars Inc. and
finance it through METRO, you will enjoy
a 0.25% discount off our standard rates!
Visit our website at www.sdmcu.org and
click on the New Cars Inc. banner to start
shopping for your next vehicle.
All loans are subject to credit approval. Rate discount may be
combined with regular automatic payment, insurance and/or
Relationship Rewards discounts, up to a maximum of 0.50%.
Offer subject to change.
Save Money with
Invest In America
Sprint Discounts
Available
T
hrough the Invest In America
program, METRO members can
take advantage of the Sprint Credit
Union Member Discount Plan to
save on their new or existing Sprint
wireless services. Members can enjoy:
• Budgeting Basics
• Managing Your Credit
• Managing Your Finances Online • ID Protection
• IRA Basics
• Managing Your Financial Records
Please let us know which workshops you are interested in attending in
the future by emailing [email protected].
What’s the Perfect ‘Anytime’ Gift?
Visa Pre-Paid Gift Cards!
S
pring is here, and we are also entering a busy
gift-giving season: Mother’s Day, Father’s Day,
graduations and weddings, just to name a few. What could
be a more perfect gift than METRO’s Visa Pre-Paid Gift Cards perfect for any time of the year. Because the card can be used
almost anywhere Visa debit cards are accepted - worldwide, it
Visa ®
is the flexible gift that gives people choices.
® g
re
ds aare
r
ifftt ccards
tVisa
a
he p gift
ergfiec catrgdisfta. r
a
s
i
the
perfect
e can be used
Visa Pre-Paid Gift Cards can be purchased at any METROA branch
in whole
et gigift.
V location,
er fhas
ft. asbeen
Visa
and
gift c e p
h
dollar amounts ranging from $5.00 to $750.00. Shopping
never
almoyear-round
h
.
ec
st ant ard wor
st lik accepted
ywh
ks ju
ju
s
k
le
®
er card works
A Visa gift
s just
or like cashis and can be used
easier. Stop by any of our branch locations and gift one
is ab
W today. e Visa cardt liwke caa debit
iver
hen almost anywhere
ce
and
ift deVisa
Visshis accepted.
b debit
to re you giv A Visa g ywhiteisreacc and canrd, the re alances d, it
epte t ca be u ck b
e a V st an
giste
re
e
t
e
d
if
is
is
o
r the abranch
moatn any METRO
g.
a giflocation.
chsed is reg
se
lm give
*A service fee of $3.00 applies to each card. Gift Card Terms and Conditions are available
ir you
it
ta Visa gift card,
Visa the receiver
is able
e to
rcha
prot or trWhen
ansa card onli coaurdg,ivtheea rd onlin the card ulent pu tha
ects to
c
a
n
yecard
t
rcecto
d
ebalances
tions their
online
check
and
if
c
u
n
g
ir
n
a
t
the c register
e
e
o
e
Make
a
fr
h
iv
O
h
. On ter ct hec ns.er is ainst
W
ardh transactions.
pin
hase
ceis Once
kctiothe card
r agbisleregistered,
prov ever yomonitor
Purc itday shop
eto rgeg thretcranrdsa bdahlaonld
ne h oldthe
id
ees ahnis year.purchases.
aninitost
against
appy r acardholder
holi for
isarreg cfraudulent
t
r
c
a litt es choicprotects
d
u
o
y
e
o
p
fr
thm
ispere kes y
t
le
es an everyone
is ects athuthis
du year.
that
e ha tPurchase
refec
d,ait a rgift
the h easier. VMake
d a pyroeathappy
Purcer yolennt spuarnd m
aep
olida
k y r.and
isa g mchoices
haseoiceyourcholiday
hifat sceardsshopping
ift ca es M
kre evmakes
ys. provides
o
a
u
h
a
s
c
g
.
g t
rds a
hidoelicards
sd are
a little easier.
hat for
rVisa
a Visiftaprefect
eprporevgift
asyiesr.ho
the holidays. a littfelecteforays. pping
d
oli
Purc
the h
ard
It’s Easy to Support Your
Favorite Charity
hase
ift c
a Vis
isa g
V
a
a
g
Visa’s Giving Gateway
e
ift c a Visa gift
Purchase
ard urchas card today!
N
Visa
gift
Ptoda
y
!
ow you can make tax-deductible charitable
donations with your METRO Visa credit or debit
card through Visa’s Giving Gateway, and support
your local charity with ease, convenience and security.
Visa’s Giving Gateway allows you online access to
nearly 1 million IRS-qualified 501(c)(3) publicly
supported charities where you can give to the causes
you care about most — in your neighborhood or nationwide.
Online charitable giving lets you avoid the hassles of writing checks. And when you
make a donation with your METRO Visa credit or debit card through Visa’s Giving
Gateway, you’ll receive a receipt immediately. Plus if your card earns rewards, giving
can be even more rewarding!
• 10% off most regularly priced
Visa Giving Gateway Icons
Sprint service plans
Here’s how easy it is to donate online:
• Discount on equipment and
accessories
Visa Giving Gateway Icons Step 1: Visit the Visa Giving Gateway banner at www.sdmcu.org
• Waived activation fee on new
and find your charity
activations
Visa Giving Gateway Icons
• Waived upgrade fee
Step 2: Donate with your METRO Visa credit or debit card
It’s easy to enroll in the Sprint
Credit Union Member Discount Plan
Step 3: Print a receipt for your records
through the following methods:
Visit our website at www.sdmcu.org and click on the Visa Giving Gateway web
Click: www.SprintSave4CU.com
banner and donate today!
Call: 877.SAVE.4.CU (877.728.3428)
Visit: Sprint Retail Store Location
Visa Giving Gateway is powered by Blackbaud. For support please review the frequently asked questions located online or contact Blackbaud
Be sure to mention that you are a
Credit Union Member and provide
the Corporate ID: NACUC_ZZM.
v
ow a
re n
sa
s are
card
gift
nowVisa gift cards are now iavailable.
V sa
avai
lable
.
card
at 1.877.801.7249. Information in charity profiles comes from the charity and the IRS, and is not verified or endorsed by Visa. Visa does not
verify, endorse or sponsor any charities, including Featured Charities, at or through Visa Giving Gateway. Neither Visa nor Blackbaud make
solicitations. Donations made through Visa Giving Gateway are solicited, collected, received and processed by Renaissance Charitable
Foundation, Inc. (RCF), a registered 501(c)(3) publicly supported charity, who will in substantially all cases grant the amounts donated (less
an administrative fee) to the charities recommended by donors. RCF has exclusive legal control over all donations. Like any tax-deductible
contribution, donations are non-refundable. To review the Privacy Policy and Terms of Service, please visit www.visagiving.com.
SDMCU
inTheCommuniTy
METRO Mixed it up in the
8th Annual Guacamole Bowl
C
ompeting in two teams: the Los Contentos
Avocados and the What the Guac?, our staff members
mixed up fiery and festive guacamole on Saturday,
February 26, 2011, when they participated in the 8th
Annual Law Enforcement Challenge Guacamole Bowl. Los
Contentos Avocados and the What the Guac? were part of
39 teams that helped raise more than $11,000 for SPORTS
for Exceptional Athletes. The event, which took place in
Balboa Park, attracted over 1,400 spectator/judges.
Member Groups
We Serve
We gratefully acknowledge
and thank our “partners” for
their ongoing support.
City of San Diego
Municipal Employees Association
Police Officers Association
AFSCME Local 127
Centre City Development Corporation
San Diego Convention Center Corporation
San Diego Data Processing Corporation
San Diego Historical Society
San Diego Housing Commission
San Diego Humane Society & SPCA
From left to right, George Werderman
and Valerie Herrera serve up a sample
from team What the Guac?
Unified Port of San Diego
San Diego County Regional Airport Authority
Metropolitan Transit System
Credit Unions For Kids Miracle Month Of May 2011:
Museum of Man
Natural History Museum
Reuben H. Fleet Science Center
San Diego Aerospace Museum
Greater Golden Hill Development Corporation
M
iracle Month of May is just
around the corner and
2011 marks METRO’s 15th year
of participation as sponsor of
the Children’s Hospital Miracle
Month of May balloon campaign!
Our fundraising efforts, in
conjunction with many other local
credit unions and businesses, help
raise funds for Children’s Hospital
here in San Diego. Join our efforts
from May 1 – May 31 by stopping
by any of our branches to
purchase your miracle balloons
for just $1 each. You may also
purchase balloons over the
phone! All balloons purchased
will be displayed in our branches
and all proceeds go directly to Rady
Children’s Hospital of San Diego.
Southeastern Development Corporation
SANGIS
Zoological Society of San Diego
American Systems Corporation
Architects Delawie Wilkes Rodrigues Barker
Bay City Electronics
Calumet Auto Wrecking Inc.
Carrier Johnson
City Wide Electronic Services
ContacTours and Charter Services
When Should You Retire?
Demko Drywall
Investment Services
h, what a difference a year (or two)
makes! The age you choose to retire
can make or break your best-laid plans.
Why? Because this decision affects your
finances in two ways. First, by waiting a
year, you delay spending your retirement
nest egg by one year. Second, not only
do you delay spending your retirement
savings, but you gain another year to put
more money away for your retirement.
How do most people decide?
Recent industry research* found the usual
reasons people choose a retirement
date include; the thought that they had
reached a socially acceptable age to retire,
had unpleasant experiences at work,
were offered generous retirement packages,
or they had reached the age their parents
retired. While these emotional reasons
are very real, this study shows that very
few people select a retirement date after
they’ve determined (through a financial
analysis) that they have accumulated
enough savings to sustain them through
retirement. In other words, it seems age,
rather than assets, is the normal gauge
used to determine a retirement age.
CUBIC Corporation
Debt-Free America
METRO
O
CP Kelco
DG Plumbing
Diego & Son Printing, Inc.
Do Your Numbers Add Up?
You can approach retirement with a
greater peace of mind with a thorough
retirement income analysis made
available to all of our members through
the METRO Investment Services Program.
This analysis will walk you through the
many risks retirees face including longevity
(living longer than planned), inflation,
market volatility, low interest rates and
healthcare costs. Don’t make the mistake
of just making an intuitive decision about
retirement. By combining your intuition,
with a thorough look at your “numbers,”
you can approach retirement with a game
plan, not worries.
DLA Piper Rudnick Gray Cary US LLP
The METRO Investment Services
Representative serving our Credit Union
can work with you to answer these
questions, and help you build a
retirement plan. For more information,
or to arrange a personal retirement
income planning consultation, call
Wendy Cundari at 619-278-5992.
Prudential Overall Supply
*Spending and Investing in Retirement, 2006, LIMRA International,
Inc., and the Society of Actuaries
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI),
member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109.
Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of
or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make
securities available to members.
B2MM-0906-C425
Fire and Ice Heating & Air Conditioning, Inc.
Flag Crafters, Inc.
Fleishman-Hillard, Inc.
Highland Partnership, Inc.
Jeld-Wen Windows & Doors
Klinedinst PC
L3 Communication
LAN Solutions, LLC
Marlins Rentals
Morgan’s Monograms
MotoWorld of El Cajon
Performance Label International, Inc.
PG Series Inc.
Primus Painting Concept
Rick’s RV Center
S & D Precision Machine Shop
Spec-Built Systems, Inc.
Sun Diego Charter Co.
Sutherland Group, LTD
The Geo Group, Inc.
The Pasha Group
Western Mechanical
Western Towing
Westfield Shoppingtown
Our Volunteers
W
e salute all our volunteer
Board of Directors and
Supervisory Committee members for
their continued commitment to SDMCU.
Board of Directors
Charles Yackly, Chair
D. Cruz Gonzalez, Vice Chair
Mike Rich, Secretary/Treasurer
Michael Ahlering
Dominick Boccia
Robert Lawrence
Marcia McLatchy
Marcia Samuels
Ronald Yagura
Supervisory Committee
Dan Kelley, Chair
Michelle Lawrence, Vice Chair
Secretary/Treasurer - Open
Georgianna Widmark
Scott Chadwick
H OL I DAY S
Memorial Day
Monday, May 30
Independence Day
Monday, July 4
SDMCUConSumerCorner
Plan a Perfect Wedding on a Budget
Helpful Tips as You Plan for the Big Day
Y
4. Do things yourself. DIY flower bouquets,
invitations, programs, and favors are a sure
way to save money. Channel your inner
creativity and look for materials at craft
stores to create your favors and invitations
from scratch. Buy seasonal flowers in bulk
and construct your own custom-made
bouquets.
ou’ve always wanted a fairytale
wedding, but your budget doesn’t
allow for everything you’ve dreamed of?
Here are some ways to stay within your
budget while still dazzling your guests
with an excellent celebration.
1. Set a budget and priorities of what you
want to splurge or save on. Create a
“must-have” list, and a “canbudge-on” list to organize
areas of the wedding where
you plan to spend the most.
5. Enlist the help of family
members or personal assistants
to cover jobs like videotaping the
wedding, so you don’t have to
pay a professional.
2. Consider alternate location
options and dates of the
ceremony. You can save a
large amount of money if you
get married on a Friday night
or Sunday afternoon, or if you
choose a date in the wedding
off-season (November through
April). Many wedding vendors
offer considerable discounts
during the off-season. Finally,
think about having the ceremony and
reception in the same place, eliminating
the need to pay for transportation.
6. Keep an open mind. At the end
of the day, your marriage is the
most important aspect of the
celebration, so don’t stress
about small details.
Remember, San Diego
Metropolitan Credit Union is here
to help you with your budgeting
and savings needs. We also offer low-rate
personal loans that can help you meet the
challenges of planning your special day to
help make your dream wedding a reality.
3. Shop around for the best deals. Research
Day And night Services
www.sdmcu.org: Internet banking, news & more
Metroline: 24-hour automated phone service
619.291.7101 or 800.829.1919
Phone Branch: 619.297.4835
or toll free 888.90.SDMCU (907.3628)
M-TH: 8 am – 5 pm; F: 8 am – 6 pm
Mailing address: P.O. Box 719099,
San Diego, CA 92171-9099
CU Service Centers: For a list of local branches,
visit www.cuswirl.com
Chula Vista Branch
344 F Street, Chula Vista, CA 91910-2645
M, T, Th, F: 9 am - 5 pm, W: 10 am - 5 pm
Kearny Mesa Branch
9212 Balboa Avenue, San Diego, CA 92123-1514
M, T, Th, F: 9 am - 5 pm, W: 10 am - 5 pm
Metro Centre Branch
320 B Street, San Diego, CA 92101-4204
M, T, Th: 8:30 am - 4 pm, W: 10 am - 4 pm
F: 8:30 am - 5 pm
Morena Trolley Branch
5375 Napa Street, Ste. 101, San Diego, CA 92110-2646
M, T, Th, F: 9 am – 5 pm, W: 10 am – 5 pm
Parkway Plaza Branch
119 Fletcher Parkway, El Cajon, CA 92020-2510
M, T, Th, F: 9 am - 5 pm, W: 10 am - 5 pm
Sat: 9 am - 2 pm
Printed on recycled paper
notice to Members: The Supervisory Committee of San Diego
Metropolitan Credit Union is comprised of member volunteers whose
duties include protecting the financial welfare of the membership
and overseeing Credit Union policy. Any member who feels the Credit
Union has acted in violation of member rights may write to: Dan Kelley,
Supervisory Committee Chair, C/O San Diego Metropolitan Credit Union,
P.O. Box 719099, San Diego, CA 92171-9099.
which vendors offer the best prices, and
visit multiple reception sites to ensure that
you’re getting the best deal on dinner and
bar service. Call bridal boutiques and ask
what their off-the-rack dress selection
looks like and what their price range is.
Call us at 619.297.4835, or visit us today to
learn more about our personal loans. You
can even apply online!
Excerpts from this story came from the Credit Union National
Association.
Annual Meeting Notice
Tuesday, May 24 at 5:00 p.m.
Board Room – Kearny Mesa
9212 Balboa Avenue – San Diego
A
s a member-owned, democratically controlled financial institution, San Diego
Metropolitan Credit Union holds an Annual Meeting in which the election of our
volunteer Board of Directors and Supervisory Committee is conducted. We invite all members
to attend. To reserve your seat at our Annual Meeting, please call 619.297.4835.
Candidates interested in being nominated for vacancies on our Board of Directors or
Supervisory Committee should contact Donna Wilkins at 619.278.5718.
YES! I’M InTERESTED In THE FolloWInG…
Vehicle Loans
Please
call
Visa Platinum Credit Cards
e-mail
BillPay
METRO Investment Services
Other________________
mail
_____________________________________________________________
Daytime Phone Number ( __ )_____________________________________________________________
E-Mail Address__________________________________________________________
Mailing Address___________________________________________________________
City__________________________________ State ___________ Zip ____________
Name
Mail coupon to: SDMCU, P.O. Box 719099, San Diego, CA 92171-9099