news central Be Kind to Your Wallet with a Budget-Friendly Car

Central State Credit Union
news central
Be Kind to Your Wallet with a
Budget-Friendly Car
Do you want a car that gets at least
40 MPG? If you’re nodding your head,
then check out the Best Fuel Efficient
Cars for 2012 from SuperCars.org.
Budget-Friendly Auto Rates as
Low as 2.99% APR
CSCU offers low rates for new and used
vehicles, along with:
• Terms up to 84 months on loans of
$10,000+
• New car financing up to 125% of MSRP,
plus tax, license, warranty and GAP
• Used car financing up to 120% of
Kelley Blue Book, plus tax, license,
warranty and GAP on model years
2008 and newer
• Print out your Pre-Approval Certificate
and take it with you to the dealer who
has your vehicle at the best price (which
you can find on AutoSMART!).
• Once you’re ready to buy your car,
give the dealer your certificate.
There’s no need to fill out
any more paperwork for
your loan.
There are also new
AutoSMART apps for
your iPhone and
Android, available
at your app
store.
Pre-Approval and AutoSMART
Create a Better Car-Buying
Experience
Buddy up with AutoSMART and our easy
online pre-approval process to buy the
right car at the right price. Here’s how:
• Apply for your auto loan in minutes.
Winter 2012
CSCU’s 76th Annual
Meeting
Our Annual Meeting will be held
on Thursday, February 23 at 6 p.m.
in the lobby of our Center St.
Branch. We hope to see you there!
Mark Your Calendar
for Our Annual
Shred-a-thon!
Member Benefit Day Is May 12
from 11 am to 2 pm!
If one of your New Year’s resolutions is to clean out your old files
and paperwork, then Member
Benefit Day can help you do just
that! We provide a FREE way to
safely destroy your obsolete personal documents, enjoy refreshments and visit with CSCU business partners. Visit our Website
and Facebook page for details as
the date draws closer.
Three Cheers for FREE eServices!
Hooray for Online Banking
with Bill Payer!
• With Online Central Internet Banking
you can get immediate access to
account balances and histories, make
withdrawals, loan payments, account
transfers and more!
• Go stamp-less and pay your bills electronically with FREE Bill Payer
Yippee for eStatements!
• Receive FREE eStatements. They’re
faster, more secure and better for the
environment. It’s easy to sign up!
Woohoo for Mobile Banking!
• Check balances, transfer funds and find
the nearest ATM, all from your Webenabled smartphone or other mobile
device with GoCSCU.
• Watch for NEW program features coming soon, which will be very user-friendly
and offer more features.
Sign up for FREE eServices today!
*Your wireless carrier may charge your mobile phone
account for Web access.
Holiday Closings
Martin Luther King, Jr. Day
Saturday, January 14
and Monday, January 16
Presidents’ Day
Saturday, February 18
and Monday, February 20
Wait! Don’t Make an Offer on a Home
Until You Have Answers
Information Central
(209) 444-5300 • (800) 675-5114
Website/Online Services
www.centralstatecu.org
Mobile Banking
www.GoCSCU.org
Twitter
www.twitter.com/CentralStateCU
CALL-24 (Touchtone Banking)
24 hours a day, 7 days a week
(209) 943-6803 • (800) 217-4939
Questions to Ask Before
You Make an Offer on
Your Dream Home
It’s important to know the right questions
to ask when you find the house you think
you want to buy. Answers to these questions will make you feel more confident
you’re making the right move, or help
you decide if it’s best to walk away and
look elsewhere.
Loans-by-Phone
24 hours a day, 7 days a week, (800) 811-7424
Lost or Stolen Cards
Visa Check/ATM Cards (800) 264-5578
Visa Credit Cards (800) 453-4270
El Dorado Branch
(Walk Up and Drive Up ATM)
5242 N. El Dorado Street, Stockton CA 95207
Lodi Branch (ATM)
363 S. Lower Sacramento Rd., Ste. C
Lodi CA 95242
San Andreas Branch (ATM)
462 St. Charles Street, San Andreas CA 95249
University of the Pacific ATM
McCaffrey Center, Stockton CA
California Department
of Transportation ATM
1976 Dr. Martin Luther King Jr. Blvd.
Stockton CA 95205
Mon.– Fri., 6 am–6 pm (Closed on state
holidays; cash withdrawals only)
Our friendly mortgage consultants are
here to help answer all of your questions
regarding financing your home. Once
you’re ready to buy, they can help you
chose the home loan that’s right for you,
including:
• FHA loans
• Low down payment options
• Low closing costs
• Jumbo loans for larger purchases
• Loan pre-approvals and more!
Call (877) 223-9908 to speak to one
of our CUSO Mortgage consultants today
or visit us online and click on “Open the
Door.”
Loan Central (60-Second Loans)
www.centralstatecu.org
Stockton Main Office
(Walk Up and Drive Up ATM)
919 N. Center Street, Stockton CA 95202
Come to Us for Answers to
Your Home Loan Questions
What’s Your Outlook on Retirement?
According to a recent survey, where you
live has some influence on how you feel
about your retirement preparedness.
Check out how Stockton and 30 other
cities nationwide feel about their retirement outlook. You might be surprised!
Open or Add to an IRA by
April 17, 2012 to Save on
2011 Taxes
Contributing to an IRA will always make
you feel better about retirement and can
possibly reduce your tax bill.* Contribution
limits for the 2011 tax year are:
• Traditional and Roth IRAs –
Contribute up to $5,000 per
person or $6,000 for individuals
who are 50+.
• Coverdell Education Savings
Accounts – Make non-deductible
contributions up to $2,000
per child annually until the
student reaches age 18 (must meet
certain income requirements).
IRAs at CSCU are insured up to
$250,000 by the NCUA, an agency of the
federal government. Contact us for more
information and current rates.
*Check with your tax advisor regarding your
specific situation.