We`re better, together.

We’re better, together.
We’re better, together. That’s the belief that started CEFCU®
back in 1937, as factory workers pooled their money to
fund low-cost loans for one another. And it’s the same
business model — not a bank, but better — that still works
today for more than 280,000 CEFCU members.
0312_151MISCX_Drive Up Env_75.indd 2
3/20/2012 10:08:53 AM
75 Years
of CEFCU
®
Thank you for 75 great years!
To celebrate our 75th Anniversary, CEFCU is giving away a
.75-carat diamond valued at $3,200!
Second prize is a $750 CEFCU Visa® Gift card.
Contest entries will be accepted at designated CEFCU Member Centers —
for a list of dates and times ask a representative, or visit facebook.com/cefcu.
For complete contest rules, or to enter online, visit cefcu.com/diamond-contest.
Federally Insured by NCUA
Entries will be accepted from May 1 through May 31, 2012. Winner will be selected in a random drawing to be held by CEFCU on or before June 15, 2012. No purchase necessary.
Contest open to individuals age 18 or older as of May 1, 2012. The odds of winning determined by the number of valid entries. Limit one online entry per valid email address. Limit
one in-person entry per day. To review the complete, official contest rules, visit a CEFCU Member Center or go to cefcu.com/diamond-contest.
Win A Diamond!
Thank you for 75 great years!
To celebrate our 75th Anniversary, CEFCU® is giving away a
.75-carat diamond valued at $3,200!
Second prize is a $750 CEFCU Visa® Gift card.
Contest entries will be accepted at designated
CEFCU Member Centers — for a list of dates and times,
visit facebook.com/cefcu. For complete contest rules,
or to enter online, visit cefcu.com/diamond-contest.
Entries will be accepted from May 1 through May 31, 2012. Winner will be selected in a
random drawing to be held by CEFCU on or before June 15, 2012. No purchase necessary.
Contest open to individuals age 18 or older as of May 1, 2012. The odds of winning
Federally Insured by NCUA
determined by the number of valid entries. Limit one online entry per valid email address.
Limit one in-person entry per day. To review the complete, official contest rules, visit a CEFCU
Member Center or go to cefcu.com/diamond-contest.
the
TELLER
Second Quarter | 2012
INSIDE
|2|
President’s Letter
|3|
CEFCU Home Loans —
Leading the Way
for Homeowners |4|
Coverage that Cares for
You and Your Family
|5|
Enjoy the Convenience
of eStatements
CEFCU® Loans Put You in the
Driver’s Seat
It’s not just a car. It’s going to be your
car — the one you want and need.
At CEFCU, we also know you don’t
want to spend too much on the car, or
to end up with a payment that doesn’t
work best for you and your budget.
That’s why we help you get a good deal
on the car and the loan, with:
• Great Vehicle Loan rates, and no
application or processing fees
• Fast approval — usually
within minutes
• Simple interest, with no penalties
for early repayment
H O L I D AY S
• 100% financing for
qualified borrowers
All CEFCU offices
will be closed on:
• Numerous online tools —
including loan calculators, vehicle
pricing information, and more.
Memorial Day
Monday, May 28
Independence Day
Wednesday, July 4
with a representative and receive loan
approval in minutes, help with
estimating monthly payments, NADA
values on used vehicles, and more. Or,
apply online 24/7 at cefcu.com.
When you’re in the market for a
new vehicle, you can count on help
from CEFCU!
Low Motorcycle & RV Rates, Too!
If you’re ready to get moving out
on the open road or water, we can
help with that, too. Ask about
CEFCU’s great low rates on
Motorcycle, RV, and Boat Loans.
Simply call 1.800.858.3400 or
go to cefcu.com to check current
rates and apply online 24/7.
Whether you’re buying a new
or used vehicle, the CEFCU
team is here to help. Simply
visit a Member Center or
call 1.800.858.3400 to talk
Win A Diamond for CEFCU’s 75th Anniversary — see page 5!
Enjoy the Convenience
of eStatements
Enter CEFCU’s
Diamond
Anniversary Contest
Why do members sign up for eStatements? For
numerous reasons and benefits:
2012
marks CEFCU’s 75th — or
“diamond” — anniversary. To
celebrate this milestone, we’re holding a special
Diamond Anniversary Drawing during the
month of May. The grand prize is a loose
diamond valued at $3,200!
• Faster delivery, since it’s available a day or more
before you’d receive a mailed statement.
• Reduced risk of identity theft due to lost or
stolen paper statements.
• It’s eco-friendly — reducing paper use.
• Convenient and secure online access
to statements.*
From May 1 to May 31, 2012, you’ll be able
to enter the drawing at designated CEFCU
Member Centers during specified dates
and times, which will be posted at
facebook.com/cefcu. Or, you can enter by
completing a special online entry form
located at cefcu.com/diamond.
In the few short months eStatements have been
available, nearly 10,000 members have already
signed up. Together, through eStatements, we’re all
being better stewards of our environmental and
financial resources.
For complete contest rules, visit a Member
Center or go to cefcu.com/diamond.
To get started, log into CEFCU On-Line® and:
1. Go to Accounts/Statements/Manage
Delivery Options*
2. Select “Online Only” from the menu and click
“Preview,” then click “submit.”
It’s that easy! If you’d like more information about
eStatements, simply contact us.
*CEFCU Checking, Saving, Loan, and Certificate eStatements are available back to the day your
CEFCU account was opened or January 1, 2009, whichever is more recent, and will be available
for up to 7 years. CEFCU Visa Credit Card eStatements are only available for up to two years.
When you switch to eStatements, only the delivery method will change. If you receive monthly or
quarterly statements, you’ll continue to receive your statements at those same intervals. Once
you sign up, it may take up to two statement cycles before the paper statements no longer print
and mail.
Did You Know ...
Entries will be accepted from May 1 through May 31, 2012. Winner will be
selected in a random drawing to be held by CEFCU on or before June 15, 2012.
No purchase necessary. Contest open to individuals age 18 or older as of
May 1, 2012. The odds of winning determined by the number of valid entries.
Limit one online enrty per valid email address. Limit one in-person entry per day.
To review the complete, official contest rules, visit a CEFCU Member Center or
go to cefcu.com/diamond, beginning May 1, 2012.
Note to Coin Collectors ...
CEFCU shredded and recycled
over 255,481 pounds of paper
in 2011. This saved an estimated:
2,170 trees; 894,176 gallons of
water; 523,734 kilowatt-hours of
electricity; and 58,759 gallons of oil.
Plus, we’ve eliminated the printing of approximately
6 million report pages over the last two years by
converting numerous internal paper reports to secure
electronic documents and distribution. In addition,
our two most recently constructed Member Centers
were built to be Leadership in Energy and
Environmental Design (LEED) certified.
5
CEFCU can no longer obtain Presidential $1
Coins, because these coins are no longer being
distributed through Federal Reserve Banks. In
early 2012, the U.S. Government announced a
halt in production of any new Presidential $1
Coins for circulation, due to lack
of demand; the U.S. Treasury
reported 1.4 billion surplus
$1 Presidential Coins in
Federal Reserve vaults.
Any new or existing coins
will now only be available
through the United States Mint.
the
TELLER
INSIDE
|2|
Visa Transaction Alerts
|3|
Investment Service to Help
You Plan for Your Future
|4|
My Save Certificate
|5|
Well Kept and Clean
Cars Worth More
|6|
You Could Win an iPad®
H O L I D AY S
All CEFCU offices
will be closed on:
Labor Day
Monday, September 3
Third Quarter | 2012
Congratulations Diamond Anniversary
Drawing Winners!
What a week it was in early June for
CEFCU® Members Brent and Sara
Fox! Brent’s name was selected as the
winner in our special 75th Diamond
Anniversary Drawing, receiving a
.75 carat diamond valued at $3,200.
Then, a day later, Brent and Sara
celebrated the birth of their first child!
“I really wasn’t able to get her much
when we were engaged and then
married,” said Brent. “Now, to find
ourselves here as the winners, it’s
really pretty neat.”
“I’m afraid I didn’t act very excited
when I was initially called,” he
continued. “After the call, it became
real, and I started thinking ‘Wow, the
baby and then this — what a week!’
We’ve certainly been blessed.”
Brent joined CEFCU in 2004. “I really
appreciate the service, especially at the
Northpoint and Chillicothe Member
Centers when we lived in that area,”
Sara stated. “Everyone is so friendly. If
they don’t always recall a name, they
always recognize you and make you feel
welcome. CEFCU was also very helpful
when we were searching for a loan.”
Brent added “We checked some other
places during that time — primarily
to check rates — but quickly learned
CEFCU was so much better.”
Congratulations Brent and Sara!
Congratulations also go out to Joel
Meints, who received a $750 Visa Gift
Card as the second prize winner in
the drawing. Thanks to everyone
who entered.
Brent and Sara are pictured receiving the diamond from
Sue Yoder, CEFCU Vice President of Marketing
A S n a p s h o t o f 7 5 G r e a t Ye a r s a t C E F C U
May 11, 1937 — Caterpillar employees pool their
money, establish a member-owned credit union in
cafeteria of Caterpillar factory in East Peoria, IL
1938 — First full-time
employee hired; payroll
deduction service offered
(75 Years continued on page 2)
Sign Up for CEFCU Visa® Credit Card Transaction Alerts
Enjoy Additional Fraud Protection and Peace of Mind
You can now sign up for e-alerts
on your CEFCU Visa Credit Card
account! Why should you? E-alerts
provide up-to-the-minute notices
on your CEFCU Visa Credit Card
activity, as demonstrated from this
member’s recent experience:
I was out hiking
when I received
a text message
stating my Visa
Credit Card had
been approved for
a gas purchase. It
seemed strange. About an hour
later, I received another message
that my card had been declined…
and I KNEW something was up. So
I called CEFCU. A representative
confirmed my card had been
counterfeited — probably stolen
from one of the merchants where
I used it. The rep immediately
blocked the card and ordered a
new one right away.
I was very grateful for the help.
Needless to say, I set up alerts on
my new card as soon as I got it!
From Dunlap, IL; Member since 1995
With e-alerts on your CEFCU Visa
Credit Card, you’ll enjoy added
peace of mind. You can receive
texts within minutes, so you can
immediately contact CEFCU if you
didn’t initiate that transaction.
Don’t have a CEFCU Visa?
Get started today! Visit a
Member Center or call
Phone-A-Loan at
1.800.858.3400. Or, apply
online at cefcu.com.
Here’s how to set up CEFCU Visa
Credit Card e-alerts:
1. Log in to CEFCU On-Line®.
2. Under your Credit Card
Account Register, use the
“More Credit Card Information
and Options” button. This will
take you to a secondary site
containing more detail about
your CEFCU Visa Credit Card.
(You may need to provide your
credit card number and other
information to register your
account. This is normal.)
3. Choose “Online Services” in
the left-hand menu.
4. Select “Visa Transaction
Alerts.” Click “Continue” to be
passed directly to the Visa
International website, where
you’ll set up transaction alerts.
For additional information, visit
cefcu.com, or call 1.800.633.7077
if you have questions.
CEFCU at 75 Years
It started in May 1937, while the country was still recovering from
the Great Depression and the average, hard-working person found it
extremely difficult to get credit. A group of employees at Caterpillar
Tractor Company got together, wanting to help co-workers who were
unable to borrow money at a reasonable interest rate.
So, they pooled their money and formed a Credit Union. Borrowers
helped savers earn a better dividend rate, and savers made affordable
credit possible for borrowers. By the end of that first year, the Credit
Union had over 1,000 members.
“We’re better, together” is the insight that started CEFCU. And, after
75 years and dozens of milestones, that same approach and business
model still works today. Thank you for contributing to 75 great years!
(75 Years continued)
1962 — CEFCU celebrates 25 years;
has 23 full-time employees, 14,000
members, $8 million assets
1972 — Phone-A-Loan service
established, first Member Center
opens; first issue of The Teller
2
1973 — CEFCU formally separates
from Caterpillar and develops its
own independent identity
Trusts for Asset Protection
and Estate Planning
Investment Service to Help
You Plan for Your Future
Saving for the future — it can mean different things
for different people, depending on the age and financial
situation. You might think it is simply setting money
aside. But for most individuals, it should involve a mix of
items, like an Individual Retirement Account (IRA) and
other investments, including stocks or mutual funds. And,
those should be incorporated into a comprehensive plan.
That’s where representatives of MEMBERS Financial
Services™, made available through CEFCU, are available to
help CEFCU members like you. Whether you’re a recent
college graduate or well established in your career, you’ll
enjoy investment service focused on looking out for you
and your best interests.
Tax laws can be complex, especially where estate
taxes are concerned and when an IRA and
numerous other investments are involved.
Representatives of MEMBERS Trust Company®
(made available through CEFCU Financial
Services, Inc.®, a wholly-owned subsidiary of
CEFCU), can help you explore how using a trust
can be a great way to grow, protect, and preserve
assets, both for you and your loved ones.
While there isn’t a “magic formula” that works in all
situations, there are some basic tools and investment
strategies that usually provide better stability and results
over time, including:
• Maximizing tax-favored or employer-sponsored
options, like 401(k) roll-overs, IRAs, or Roth IRAs
• Using a diverse mix of investments like stocks, bonds,
and mutual funds, to complement your CEFCU IRA
or Certificate(s)
• Expecting and preparing for market fluctuations.
Representatives can meet with you at any CEFCU
Member Center, or by phone. To schedule your no-cost,
no-obligation consultation, call 1.800.356.7865, ext. 32571.
MEMBERS Trust will work with you and your
attorney in developing a comprehensive estate
plan. With proper planning, many taxes and
other costs can be minimized — even avoided in
some situations.
To schedule your no-cost, no-obligation
appointment with a representative of MEMBERS
Trust Company, call 1.800.633.7077, ext. 33836.
FR061211-A2AC
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 (800) 369-2862. 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.
1976 — Home
Loans first
offered
1978 — Visa Credit Card
program introduced;
assets reach $200 million
1980 — Money
Center 24® ATM
network established
3
Trust services provided by MEMBERS Trust Company, a federal thrift
regulated by the Office of the Comptroller of the Currency. Non-deposit
investment products available through MEMBERS Trust Company are
not deposits of or guaranteed by the trust company, a credit union, or
credit union affiliate; are not insured or guaranteed by the NCUA, FDIC,
or any other governmental agency; and are subject to investment risks,
including possible loss of the principal amount invested. This article
is provided for informational purposes only and is not intended to
provide legal advice for your specific situation. Please consult with your
attorney and/or CPA for tax planning.
1981 — First
drive up ATM
installed
1982 — IMMA offered;
100,000 members,
$300 million assets
Earn a 12-Month Rate on as Little as $5 — My Save Certificate
It can be difficult to save —
especially when times are tough.
CEFCU’s My Save Certificate
gives you an easy and
convenient way to get started.
Plus, it helps build your
savings and earn dividends
at a rate higher than a basic
Savings account. You’ll enjoy:
• A low, $5 minimum
opening deposit
• A 12-month term
• Dividend rates that are
the same as a regular
12-month certificate
• The ability to make
additional deposits (up to
$1,000) through online
transfers, payroll deduction,
or at any Member Center.
At the end of the initial
12-month term, if your My Save
Certificate balance is $1,000
or more, it will automatically
roll to a regular 12-month
Certificate. If your balance is
less than $1,000 after 12 months,
your My Save Certificate will
automatically renew to another
12-month term.
Plus, you can now open a
My Save Certificate online and
make your opening deposit,
24/7, with CEFCU’s automated
Online Account Opening
system. Simply click “Open
an Account” at cefcu.com to get
started and open your My Save
Certificate today.
ATM Safety Tips
Use these safety tips and your own
common sense to stay safe and
protect your account.
Memorize your Personal
Identification Number (PIN).
Do not write your PIN on your
card or keep it in your wallet or
purse. Do not reveal your PIN
to anyone.
Have your card ready — in
hand — before you approach an
ATM. Choose only well-lit ATMs,
park nearby, and have another
person accompany you at night.
Be aware of suspicious activity —
trust your instincts. If you feel
uncomfortable, immediately cancel
your transaction and leave.
Don’t agree to cash or deposit
checks for someone else — even
someone you know.
Shield the keyboard and display
with your body or car so others
cannot see your transaction.
Pocket your money immediately
and be sure to take your receipt.
Verify your transaction privately, and
destroy all ATM receipts after
comparing them to your statement.
1987 — CEFCU celebrates 50 years; named
“Federal Credit Union of the Year” by the
National Association of Federal Credit Unions
Keep your car doors locked and
leave the engine running when
using a drive-up ATM. Be sure
all windows, except your own,
are closed.
Never open a locked door for
anyone you don’t know when using
ATMs in restricted-access facilities.
Report any crimes immediately
to the police, CEFCU, and the
ATM owner.
If your CEFCU Check+® Card,
CuCard®, or Visa Credit Card is
lost or stolen, report it to CEFCU
immediately at 1.800.633.7077.
1988 — Introduced Touch-Tone Teller
service and nationwide CIRRUS ATM
access; assets reach $500 million
4
1993 — Assets
reach $1 billion;
170,000 members
Well Kept and Clean Cars Worth More
A little routine maintenance —
and some elbow grease — can
really pay off when you sell your
current vehicle. According to
the Car Care Council, a clean
and well-maintained car in
“excellent” condition can be
worth thousands more at trade in
than one in just “fair” condition.
Here are some quick tips that
can make a big difference in
your car’s appearance and value
at trade-in time:
• Routine washing. Washing
your car every week or two
helps keep the finish free
from damaging chemicals
and dirt.
your vehicle. Car wash
formulas typically
contain milder soap,
which won’t harm the
protective finish.
• Stay in the shade. Direct
sunlight can cause water
spots or cause the car
polish to actually bake into
the finish, creating more
damage. Work on your car
in the shade or the morning,
before the sun’s rays are at
their strongest.
• Get the inside dirt, too.
Regular vacuuming helps
keep the upholstery clean,
minimizing stains and wear.
• Periodic polish. Wax your
vehicle once every six months
to protect the vehicle finish.
Ready to trade your car?
Remember, you can find
current values at cefcu.com/loans.
• Use recommended products.
Dishwashing liquid and
laundry soaps can damage
Sources: carcare.org; motortrend.com
CEFCU Can Get the Wheels
Turning on Your New Vehicle
Looking to trade vehicles? Whether
you’re planning to buy new or used,
CEFCU can help you get a good deal
on the car and your loan.
Put power in your shopping by getting
preapproved for your CEFCU Vehicle
Loan before you shop. Simply visit a
Member Center near you, or call us
toll-free at 1.800.858.3400. Or, you
can check rates and also apply online
at cefcu.com.
Health Savings Accounts Can Ease the Pain of Medical Expenses
Health Savings Accounts, or HSAs,
are designed for consumers with
high-deductible health plans,
providing a designated tax-exempt
account you can use to save and
pay for qualified medical costs.
With a CEFCU HSA, you’ll enjoy:
✓ No set up fees.
✓ A separate account, statement,
and checks you can use just for
medical expenses.
✓ Access to funds through ATMs, CEFCU On-Line, Touch-Tone
Teller, and Member Centers.
✓ Choices for where to place HSA funds, including CEFCU
Savings, Checking, Certificates, Insured Money-Market
Accounts, and more.
If you have a high-deductible health insurance
plan or would like more information about
opening a Health Savings Account, call
CEFCU toll-free at 1.800.633.7077.
Or, visit a Member Center.
* Federal restrictions, contribution limits, and other requirements apply to qualify for opening a
HSA. Contact CEFCU for more details. Be sure to consult with your tax advisor, as well.
1998 — CEFCU
On-Line banking
launched
2000 — First year-end
extraordinary dividend
returned to members
2002 — 100th CEFCU
Money Center 24 ATM
installed
5
2009 — Awarded Better Business
Bureau Torch Award for business
integrity; assets top $4 billion
Did You Know ...
CEFCU now offers a low-limit Visa Credit
Card to help younger or first-time borrowers
get started on the right path and build credit
responsibly. If you are age 18 or older, you can apply for a
credit line as low as $300, provided you have a steady,
verifiable source of income or a credit-worthy co-signer.
Plus, for the co-signer, it provides an opportunity to
monitor and mentor the young borrower, with real-time
information on usage through CEFCU On-Line and text
alerts. Visit a Member Center or call 1.800.858.3400 to
learn more, or apply online at cefcu.com.
You Could
Win an
When You Sign Up for
iPad
eStatements
Sign up for CEFCU eStatements from July 1 through
September 30, 2012, and you’ll automatically be entered for
a chance to win an iPad!
With eStatements, you can enjoy:
• Convenient, secure online access to your CEFCU
account statement, on your schedule.
• Easy access to statements going back to the day your
CEFCU account was opened, or 1/1/2009 (whichever
is more recent). And, statements will remain available
online for up to 7 years.
• An eco-friendly option to help save a few trees.
To get started, log in to CEFCU On-Line and:
1. Go to Accounts/Statements/Manage Delivery Options
2. Select “Online Only” from the drop-down box and click
“Preview.” Then click “Submit.”
It’s that easy! And, remember, once you’ve enrolled, you’re
automatically entered to win!
One (1) First Prize of an iPad valued at $499 will be awarded in a random drawing from
all eligible entries. You will be automatically entered in the Contest if you are signed up to
receive eStatements on your CEFCU account (excludes CEFCU Visa account statements)
during or before the Promotional Period. Each entry has an equal chance of winning. No
purchase necessary to enter or win. The odds of winning depend on the number of valid
entries received. All federal, state, and local laws and regulations apply. Tax liability of the
prize is the responsibility of the winner. Promotion period begins at 12:00:01 a.m. on July
1, 2012, and ends at 11:59:59 p.m. Central Time on September 30, 2012. The Contest
is open to residents of the United States who are 18 years of age or older as of July
1, 2012. Contest is sponsored by CEFCU, 5401 W. Dirksen Parkway, Peoria, IL 61607;
complete and Official Rules are available at cefcu.com/estatements-rules.
CEFCU Private Student Loans can provide
affordable college financing to help pay
for qualifying tuition, room and board, and
other expenses. There are no processing or
origination fees, and you’ll enjoy
competitive interest rates. Plus, loan funds
are distributed directly to the school at the
beginning of the semester for added
convenience. To learn more or apply, check
out cefcu.com/student.
Stay Connected!
CONTACT CENTER .............................1.800.633.7077
TTY (for the hearing impaired) ............1.800.492.3328
Email ..................................................email@cefcu.com
WEB .....................................................................cefcu.com
PHONE-A-LOAN ....................................1.800.858.3400
TOUCH-TONE TELLER ......................1.800.447.2478
Check Rates and Transfer Funds 24/7
MEMBER CENTER, SHARED BRANCH, &
FREE ATM LOCATORS ............ cefcu.com/locations
(CEFCU Member Centers, CU Service Centers, and
CO-OP and Money Center 24 ATM Networks)
CEFCU WEALTH
MANAGEMENT GROUP...................... 309.633.2571
Toll-free .................................1.800.356.7865, ext. 32571
Investment services offered through CUNA Brokerage
Services, Inc. (CBSI), an independent registered broker/
dealer located at CEFCU. Member FINRA/SIPC.
CFS INSURANCE...................................309.633.7232
Toll-free .................................................... 1.888.445.3320
MEMBERS Trust Company® .............309.633.3836
Toll-free ................................1.800.633.7077, ext. 33836
Federally Insured by NCUA
R
R
Federally Insured by NCUA
R
R
2011 — Free nationwide access to 28,000+ CO-OP® ATMs becomes available;
returned extraordinary year-end dividend to members; 9th such dividend over
12 years, making $54 million total returned; launched CEFCU’s Facebook site
6
May 11, 2012 — 75 years
of service; $4.8 billion
assets; 288,000 members
4.10%
4.11%
The home equity line
you’ll like living with.
APR*
Rate in effect until 3/31/2012
APR*
Fully Indexed Rate
Because of their low rates — and no unwelcome
surprises — CEFCU® Home Equity Credit Lines
are nice to have around the house.
Other loans can be hard to live with. They offer low
rates at first, then hit you up later with annual fees,
early payoff penalties, and other expensive extras.
CEFCU offers great rates, easy access, and no
hidden “gotchas!” Plus, you can use your credit line
for debt consolidation, home improvements, college
education, and much more.
To get a home equity credit line that’s easy to
live with, stop by a Member Center today or call
Phone-A-Loan at 309.633.4488 or 1.800.858.3400.
*The Annual Percentage Rate is a variable rate and the maximum APR that can apply is 18%. Closing costs range from
$250 to $600 in CEFCU’s 14-county Illinois service area. CEFCU pays closing costs up to $350 in most cases. In some
situations, such as if the property is for sale or used for a bridge loan, you may be required to pay closing costs. Contact
CEFCU for details, including more specific information about third-party fees. Property insurance is required and not
included in closing costs. Potential line of credit must be a minimum of $5,000; minimum monthly payment amount
for credit line balance is $100. Other rates and terms available.
Federally Insured by NCUA
cefcu.com
Pre-Owned Car Sale
2 Days Only
October 13 & 14
th
Trade-ins
welcome!
Stop by this event and get a good
deal on the car and the loan!
Enter for a
chance to
Check out the
win a $100
great selection of
imports, domestic, & gas card.*
luxury vehicles!
Joint sale with Technology Credit Union.
You could win a new Mercedes-Benz C250!
Bring this key with you to the sale — it could put you in a new car!†
Get
Preapproved
Today!
Call 408.545.1400 or 1.800.858.3400.
Or, visit us at cefcu.com.
Event Location: Technology CU
2010 N. First Street, San Jose
(See reverse side for map)
Free hot dogs, sodas, and bottled
water available at the sale.
*See reverse side for more information.
th
2 Days Only
Saturday 9am – 6pm & Sunday 10am – 5pm
Over 200 Vehicles
• Imports
• Domestics
• Minivans
• Economy cars
• Luxury cars
• SUVs
• Trucks
Remember, this Mercedes-Benz C250 could be yours!†
Event Location
Technology CU
2010 N. First Street, San Jose
101
280
Free hot dogs, sodas, and bottled
water available at the sale.
87
Federally insured by NCUA
Gas Card Sweepstakes
No purchase necessary. Must be 18 years of age or older. Odds of winning are dependent on the number of entries. All entry forms must be completed at the sale. One entry
per attendee. Winner will be chosen by random drawing by a Credit Union employee and notified by phone or email. Prize Value: Six winners will each receive a $100 gas
card. The winners will be randomly chosen on Tuesday, October 16, 2012 from all eligible entries received on the respective days in accordance with these Official Rules.
Complete contest rules will be posted at the car sale event. All employees, agents, and representatives of the sponsor and Credit Union, as well as their family members, are
ineligible to participate. To see Official Rules go to cefcu.com/gascard.
‡
Car Key Official Rules
† No purchase necessary. Value: $30,000 One prize: 2012 Mercedes-Benz C250. One entry per household. Participants must be 18 years of age or older and possess a valid CA
Drivers License. You must bring the enclosed key along with your addressed envelope to see if you are the winner. The winner can only be validated with both the winning key
and the original mailing envelope together. To qualify, the eligible contestant must have been the randomly pre-selected winner who received the winning key by mail and brought
it and the envelope to the location during the contest dates October 13, 2012 through October 21, 2012. Odds of winning the vehicle are 1:62,500. Prize will not be awarded if
the pre-selected winner doesn’t attend during the contest dates. If your key fits the lock box, turns and completes a one quarter turn (left or right), you will be the winner of the
vehicle. Any applicable local, state, or federal taxes as well as license are the responsibility of the recipient. This offer is non-transferable. Sweepstakes sponsor, Cars-Net, Inc. has
neither made nor is in any way responsible or liable for any warranties, representation, or guarantees, expressed or implied, relative to any prize. The giveaway prize is awarded by
Cars-Net, Inc. Photograph may not exactly depict the vehicle awarded. Sponsor does not express or imply any endorsement of the products or services nor vouch for the quality of
the products or services. Your decision to purchase any of the products or services should be made only after careful consideration. Cars-Net, Inc. and CEFCU are not responsible
for lost, late, misdirected, damaged, or postage-due key mailers. All employees, volunteers, agents, and representatives of the sponsor and CEFCU, as well as family members of
same, are ineligible to participate. Void where prohibited by law. Contest participants can only bring their contest key for entry during sale hours: Saturday, October 13, 2012, 9am
to 6pm and Sunday, October 14, 2012, 10am to 5pm. You may contact the sponsor, Cars-Net, Inc., at 714.701.9186 for the information on the contest results.
RATES AS LOW AS
1.95%
APR*
Available to well-qualified borrowers
on new purchases of 2010 and
newer vehicles up to 72 months
Some lenders may have low rates, but are
you really getting the best deal? At CEFCU,
you can take advantage of great rates with
no hidden fees or other penalties.
Visit cefcu.com/car to see participating
dealers, check vehicle prices, use loan
calculators, and much more.
Not a CEFCU member? If you live or work
Also Available!
1.79%
APR*
up to 36 months on
2012 and newer vehicles
in Peoria (or immediately surrounding
counties), you can save with CEFCU
financing! Just call Phone-A-Loan at
309.633.3400 or 1.800.858.3400
for quick loan preapproval. Or, stop
by any CEFCU Member Center.
*APR=Annual Percentage Rate. 90% loan-to-value is required for lowest advertised rate to well-qualified borrowers. Minimum
loan amount of $15,000 required for 72-month term. Final rate and term are based on individual credit-worthiness and
subject to change at any time without notice. Other rates, terms, and up to 100% financing available. In-house refinancing
will not be available. Fixed loan rate of 1.95% equals payments of $14.73 for 72 months for each $1,000 borrowed. Fixed
loan rate of 1.79% equals payments of $28.55 for 36 months for each $1,000 borrowed.
Federally Insured by NCUA
cefcu.com
facebook.com/cefcu
%
1.95
RATES AS LOW AS
APR*
Available to well-qualified borrowers
on new purchases of 2010 and
newer vehicles up to 72 months
At CEFCU, you really do get the best deal,
with low rates and no hidden fees. Get a
preapproved loan in minutes. Talk with
a Member Service Representative today.
Visit cefcu.com/car for a list of
participating dealerships.
Also Available!
1.79%
APR*
up to 36 months on
2012 and newer vehicles
*APR=Annual Percentage Rate. 90% loan-to-value is required for lowest advertised rate to well-qualified borrowers. Minimum loan amount of $15,000
required for 72-month term. Final rate and term are based on individual credit-worthiness and subject to change at any time without notice. Other rates, terms,
and up to 100% financing available. In-house refinancing will not be available. Fixed loan rate of 1.95% equals payments of $14.73 for 72 months for each
$1,000 borrowed. Fixed loan rate of 1.79% equals payments of $28.55 for 36 months for each $1,000 borrowed.
Federally Insured by NCUA
cefcu.com
facebook.com/cefcu
1st home?
Consider this your
housewarming gift.
California home buyers
save an average of
$1,000
CEFCU® has the perfect housewarming
gift for first time home buyers — you’ll
get a great loan, PLUS we’ll pay select
on closing costs*.
closing costs.
For a limited time, CEFCU will pay select
third-party closing fees on first mortgages
for qualified first-time buyers.
It’s an average savings of over $1,000!
Stop in or call 408.955.1350 or
1.800.633.7077, ext. 51350 for more
information, or go to cefcu.com.
*Offer available for a limited time. Select, third-party fees paid by CEFCU include: recording, appraisal, tax service
fee, flood determination, credit report, and title company closing fee. Costs CEFCU will not cover and which must
be paid include, but are not limited to: taxes, private mortgage insurance (PMI), prepaid mortgage interest and/
or insurance costs, jumbo or discount points, attorney or title company fees not listed above, and interest rate
relock fees. Offer is not available for loans used to purchase a second home, investment home or non-owneroccupied home, or to refinance or modify an existing loan. Contact CEFCU for complete details.
cefcu.com
Federally
Insured
by NCUA
670 Lincoln Avenue, San Jose
2980 E. Capitol Expressway, Suite 90, San Jose
3607 El Camino Real, Santa Clara
Relax with a
Great Rate
4.49%
APR on 2006 and newer
recreational vehicle loans.*
Loan term determined by total
amount of loan. Other rates
available depending on model year.
Federally Insured by NCUA
Escape to the great outdoors with special
rates on recreational vehicles and boats —
going on now!
Visit cefcu.com for loan calculators and
learn how you could borrow the tax-smart
way,** and much more.
Not a CEFCU® member? If you live or
work in Livingston, Logan, or McLean
County, you can save with CEFCU
financing! Just call Phone-A-Loan
at 309.663.7911 or 1.800.858.3400 for
quick loan preapproval. Or, stop by
a CEFCU Member Center today!
*APR=Annual Percentage Rate. 90% loan-to-value on 2006 and newer models and $50,000 minimum
loan amount required for lowest advertised rate. Up to 100% loan-to-value financing available. Call
CEFCU for details. Rate, term, and amount financed available to well qualified borrowers. APR applies
to loans with automatic payments through payroll deduction or recurring direct deposit. Fixed loan rate
of 4.49% APR equals payments of $7.64 for each $1,000 borrowed over a 180-month term.
**Available to home owners; consult a tax advisor regarding deductibility of interest.
2323 E. Empire Street, Bloomington
3 Traders Circle, Normal
cefcu.com
facebook.com/cefcu