People Helping People - Schools Financial Credit Union

Changes to Your Newsletter
Best Rates EVER! 
Teacher of the Month 
DECEMBER 2012 schools.org BETTER VALUE. OUTSTANDING SERVICE. S M
BE CONNECTED
People Helping People
Credit unions were founded on the principle of People Helping People. Schools helps people and
organizations in our community year-round, with special consideration for the holiday season. Tap
into your giving spirit and generous heart to lend Schools a hand to help those in need. Stop by
your local Schools branch to make a contribution to these important organizations.
Children’s Miracle Network
Now through December 31
Purchase a stocking for $1 at all Schools branches or an
Entertainment Book at participating branches* to benefit the
Children’s Miracle Network.
*Participating branches: Folsom, Madison, Orangevale, Roseville, College
Greens and Placerville.
Holiday Food Drive
Now through December 31
Donate nonperishable food* at your favorite branch. All
donations will to be given to the food bank nearest each branch.
El Dorado County Food Bank Placerville Branch
Elk Grove Food Bank Calvine Pointe Branch, Laguna Branch
Placer County Salvation Army Roseville Branch
Sacramento Food Bank and Family Services College Greens
Branch, Fruitridge/Freeport Branch, Madison Branch,
Natomas Branch
Twin Lakes Food Bank Folsom Branch, Orangevale Branch
Yuba/Sutter Gleaner’s Food Bank Yuba City Branch
*Placerville and Roseville branches are accepting cash donations only.
More than 30 Schools employees and their family members volunteered on
Thanksgiving morning at the 18th Annual Run to Feed the Hungry
T O P - 5 V A L U E P R O D U C T S : F R E E B I L L PAY • A U T O L O A N S • R E A L E S TAT E L O A N S • C H E C K I N G • P L AT I N U M V I S A ® C R E D I T C A R D S
No Closing Costs and
No Points.
1,2
Our Short-Term, Low-Rate Mortgage loan is hard to beat.
5 years at 2.79% / 2.79% APR
3
Auto Rates As Low As 2.99% APR
Extented to 84 Months!
8
Get a rate as low as 2.99% APR and make no payments for 60 days on your
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next auto loan. You’ll receive the same benefits if you refinance and, if you are
refinancing from another lender, Schools will provide FREE Guaranteed Asset
Protection (GAP), a $350 value.
The benefits and potential to save with the ShortTerm, Low-Rate Mortgage loan are substantial.
Interest savings derived from a lower rate and shorter
term could be in the thousands over the life of your
loan. And the savings doesn’t stop there. There are
no closing costs, which average more than $1,900 for
this product. Other benefits include financing up to
80% of your home’s value and interest may be tax
4,5,6
deductible.
Visit our vehicle loan page on schools.org to calculate your payment and apply.
 Changes to Your Newsletter 
We’re welcoming 2013 with a lighter load. Beginning next year, Schools will only
produce a quarterly newsletter in January, April, July and October. It is important
for us to provide Credit Union news and announcements to our membership,
and you won’t miss a beat with schools.org and our Facebook and Twitter pages.
Happy online reading!
Account Access Anytime
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5 Years at 2.79% / 2.79% APR
7 Years at 2.99% / 2.99% APR
10 Years at 3.19% / 3.19% APR
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Your accounts are accessible 24/7 from your computer or mobile device. Pay bills,
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3
Make the phone call to start saving today. Contact a
Schools Real Estate Loan Counselor at
transfer money, make payments, check balances, view account history, find a
branch or ATM location and more. New and convenient features are being added
on an ongoing basis. Login at schools.org or through our iPhone or Android apps.
916-569-5473 (Sacramento area) or 800-962-0990,
ext. 5473.
Your Credit Union Governance
Board of Directors
E.J. Houghton, Jr., Chairman
R.E. Kramnic, Vice Chairman
M. Smith, Treasurer
G.L. Ross, Secretary
D.E. Bleekman, Director
E. Martinez, Director
T. Matista, Director
President & CEO
Jim Jordan
Elzira Saffold, August Elementary – Stockton
News10, Sacramento State University and Schools
Financial Credit Union have united to highlight a local
Supervisory Committee
G.A. Smith, Chairman
D. Wyman, Secretary
G. Bleekman
Call Center, Loan by Phone & Audio Teller:
916-569-5400 (Sacramento area) or 800-962-0990
Branch Locations & Online Banking:
schools.org
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency.
...the details
News10's Teacher of the Month
educator every month. Pay tribute to a worthy teacher
with a nomination for News10’s Teacher of the Month
campaign at schools.org.
Holidays
New Mailing Address
Shared
Branching
2013
Calendars
Please note our new address for
payments and deposits:
Loan Payments & Deposits
Schools Financial Credit Union
P.O. Box 526003
Sacramento, CA 95852-6003
Please discontinue sending your
payments and deposits to
P.O. Box 60043, City of Industry, CA
91714-5033
Wall and pocket calendars are now
available in all Schools branches.
All Schools Financial Credit Union
branches will be closed in observance of:
Visit schools.org to find the location
nearest you.
Christmas Eve, Monday, December 24
Products, terms, rates and services are accurate as of December 1, 2012, and are subject to change without notice.
1 Closing costs paid by the lender include credit report, document preparation, tax service, title and similar fees that are customary and reasonable
to a standard refinance transaction.
2 If more than 20% of the original principal amount is paid off within the first 12 months there will be a prepayment charge equal to the amount of
your closing costs or the sum of six (6) months’ advance interest on the amount of the excess, whichever is less.
3 APR = Annual Percentage Rate. All loans are subject to credit approval and Credit Union policies and procedures. Members may not refinance a
current loan under this program into a new Short-Term, Low-Rate loan on the same property. Representative example: A $100,000 loan with an
Annual Percentage Rate of 2.79% and a 60-month term would have a monthly payment of $1,787.55.
(Close at 1:00 p.m.)
Christmas Day, Tuesday, December 25
New Year’s Eve, Monday, December 31
(Close at 1:00 p.m.)
New Year’s Day, Tuesday, January 1
4 A 20% down payment is required on purchases.
5 Investment properties will be limited to a combined loan-to-value of 60%.
6 Minimum loan amount restricted to $50,000 and a maximum of $417,000.
7 Consult your tax advisor regarding deductibility of interest.
8 APR = Annual Percentage Rate. Your interest rate will be determined by the amount financed, loan term and your credit history. Representative
Example: A $15,000, 84-month loan at 2.99% APR and 100% financing would require 71 payments of $198.13 with one final payment of $198.05.
Rates and terms are subject to change without notice.
9 Interest will continue to accrue from the date the loan is funded.