Your Biggest Investment: Your Home

qtr
1 2015
Capstone federal credit union quarterly membership newslet ter & guide to financial
services
Your Biggest
Investment:
Your Home
Capstone FCU allows you to get more from your investment with
our affordable fixed and adjustable rate mortgages. Our personal
service and easy on-line application process take the hassle out
of applying for a home loan. PLUS, our attractive rates mean you
have more investment power. Remember, low rates mean lower
monthly payments, helping you afford what you really want.
Whether you are looking to purchase a home or refinance your
current mortgage to improve your monthly cash flow, now is the
time to review your home investment financing options.
When applying for a mortgage, don’t overlook the powerful
return that adjustable rates can offer. Adjustable rate loans offer
lower initial interest rates and monthly payments, making it
possible to maximize your extra monthly cash flow.
If you want your monthly payments to remain the same over the
life of the loan, then our fixed rate mortgage is for you. You’ll be
assured that your monthly payment for principal and interest
won’t change. Let our knowledgeable mortgage professionals
review all of your options and help you make the decision about
which type of mortgage loan best suits your needs now, as well
as in the future!
Make Car Buying EASY
with Autoland!
As a Capstone FCU member, you have access to Autoland,
the hassle-free car buying service. Autoland works for you
and is designed to make your car buying experience easy
– no more searching all over to find the perfect car, only to
settle for something less and haggle for hours over price.
With Autoland, you’ll get the vehicle you want at a great
price, plus all available manufacturer incentives. There’s
absolutely no obligation, and Autoland’s car buying
expert, Kim Fix, is available to help you, regardless of
where you purchase your next vehicle. Kim provides a
great car buying experience that includes:
• Doing all the legwork to find your perfect new or
pre-owned car and securing a great price.
• Coordinating your auto loan with Capstone FCU.
• Getting you a great value for your trade-in.
• Delivering your vehicle to the Capstone FCU branch
that’s convenient for you!
Call 800-234-6999 for more details, or visit Autoland.com
to start your car search!
Mortgage rates remain low. If you’ve ever contemplated buying
a new home or want to save thousands of dollars over the term of
your current mortgage, now’s the time to apply. Visit our website
at www.capstonefcu.coop, or call us today at 866-443-3570, to
learn how much you can save with a Capstone FCU mortgage loan!
Candice’s Corner: Notes from the President
As we begin the New Year, our priority continues to be helping you manage your finances, whether it’s by helping you get a great
home loan, paying bills now via balance transfer, or getting a low auto loan. We’re still running our special VISA credit card offer, with
a 0% APR for twelve billing cycles. We hope you’ll continue to check with us first when you need any type of loan.
We continue to offer convenient technology and services ideal for members on the go, including E-Branch for 24/7 online banking,
ATM banking, 30,000+ locations where deposits can be made, bill pay, direct deposit, and no-fee checking.
My door is always open for our members, so please come by and say hello in the New Year, and please
also feel free to call or email me anytime with questions. We hope you’ll join us at our annual meeting and
consider serving on our board of directors.
Thank you for your commitment to Capstone FCU. We are “built from a strong foundation,” and we will
continue to support our members with great service and great deals.
~Candice Landeros, President
Candice Landeros, President
Auto Rates Won’t Stay Low for Long!
Lock in your rock-bottom interest rate on an auto loan today! Our auto loan rates are as low
as 2.00%* on a 36-, 48-, or 60-month loan; 2.80% for a 72-month loan on a new or used car;
and 2.99% for an 84-month higher balance loan; but this won’t last forever, so take advantage of this offer today!
We’re driven to give you the best possible auto financing by matching any dealer
offers** for new and used auto loans on vehicles 2008 and newer.
We’d also love to help you refinance your vehicle, do a title loan, or buy out your lease.
Need help searching for your new or used car? We’ve partnered with Autoland to make your
next car purchase and trade-in hassle-free. Call Kim Fix, our Autoland consultant, at 949-3801950, or email her at [email protected]. Try autoland.com to search for your car today.
Plus, if you fund an auto loan of over $10,000 with CFCU, we’ll throw in a free vacation
package! That’s something no dealer can say! Ask us about our vacation package options.
Our rates and member service surpass the dealer’s, so hop in the fast lane and come see us;
call us at 800-854-7125; or visit us at www.capstonefcu.coop to learn more.
*APR = Annual Percentage Rate. 2.00% is the best possible rate for 36 months of financing. Your rate will be determined by your credit worthiness and
credit qualifications. Rates are subject to change without prior notice. Monthly repayment rate at 2% is $28.68 per $1,000 for a 36-month term; at 2.25%
is $21.84 per $1,000 for a 48-month term; and at 2.50% is $17.78 per $1,000 for a 60-month term. Monthly repayment rate at 2.80% is $15.13 per $1,000
for a 72-month term; minimum loan amount is 20,000.00. Monthly repayment rate at 2.99% is $13.23 per $1,000 for an 84-month term; minimum loan
amount is 25,000.00.
**Capstone Federal Credit Union has a floor of 1.70% APR on matching of any dealer financing offers on new and used vehicles purchased. Proof of
dealer rate must be provided. Offer excludes refinancing of existing CFCU auto loans. No other discounts apply.
All loans are subject to credit approval. Rates are determined by credit qualifications, loan amount, and collateral. This offer cannot be combined with
any other rate discounts; existing auto loans with Capstone are not eligible. Rates subject to change. Used car interest rate is for purchase or refinance.
All other promotion items apply. Some restrictions apply; contact Capstone FCU for details.
Use Balance Transfer to Pay Off Bills Now
Make balance transfers to your Capstone Visa Gold card and pay off bills now.
We’re offering a special 0% introductory APR* for twelve billing cycles
on our Capstone Visa Gold card.
Our card has low non-variable rates, no or low annual fees**, and a 25-day grace period
on purchases, plus credit limits from $500.00 to $15,000, depending on your personal
credit situation. Plus, you can access your Visa account online.
To apply for a Capstone Visa Gold card, visit our branch location, call us at 800-854-7125,
or apply online at www.capstonefcu.coop.
*Annual Percentage Rate = APR. Your rate will be determined by your creditworthiness and credit qualifications. Not all members will qualify for the VISA Gold
0.00% introductory rate. You may qualify for a Secured VISA; ask us for details. Balance transfer and cash advance fees of 1% or max $10.00 apply. Introductory rates
range from 0.00%-8.99%; after that, your APR will be 8.80%-15.8%, based on credit worthiness
LOCATION
Three Polaris Way, Suite 31B
Aliso Viejo, CA 92698
WEB ADDRESS
www.capstonefcu.coop
PHONE NUMBERS
Local:
(949) 716-5746
Toll-Free: (800) 854-7125
Fax:
(949) 349-2990
ONLINE 24
(800) 854-7125, option 1
LOAN CENTER
(800) 854-7125, option 2
MORTGAGE CENTER
(800) 854-7125, option 7
THE CO-OP
(888) SITECOOP
(888) 748-3266
THE CO-OP WEBSITE
www.co-opnetwork.org
OFFICE HOURS
M, T, Th, F
8 a.m. - 4 p.m.
W
9 a.m. - 4 p.m.
For Current Rates, visit us online
at: www.capstonefcu.coop
.
**Cards with interest rates 13.80% and above have an annual fee of $20.00
Annual Meeting April 16
The 62nd annual meeting of CFCU members will take place April 16, 2015, at
our Aliso Viejo office. All members are welcome! The meeting will be held in
Conference Room C1-A051&A052, on the first floor of Building C. Registration will
begin at 4:45pm, with a reception at 5:00pm. The meeting will be called to order
at 5:15pm. Come enjoy food, beverages, and door prizes; and celebrate our 2014
accomplishments. We will elect our new Board of Directors at the meeting, so if
you’re interested in becoming more involved with CFCU, we hope you’ll consider
running for this volunteer position. Board Members serve a minimum of six hours
per month; serve on various committees; and attend educational meetings,
seminars, and conferences to help them provide direction for the Credit Union.
If you would like to become a candidate, please contact CFCU. We hope to see
you at the meeting!
To report a lost or stolen Visa
credit card, call: (800) 543-5073
To report a lost or stolen
MasterMoney Debit Card, call:
(800) 453-4270
In the event of a disaster, call
(800) 854-7125 for information
regarding your CFCU account
MARK YOUR CALENDAR
Our offices will be closed:
January 19, 2015 – Martin Luther King, Jr.’s Birthday
February 16, 2015 – President’s Day
Serving Our Members Since 1953