1. society
2. work
3. unions

Real Member,
Real Savings
Sharon Schultz and her husband Rick
weren’t considering refinancing their
mortgage, but after seeing the Credit
Union’s low rates at our Member
Rewards Day event, they realized they
could save a lot without much hassle.
During a follow-up meeting at their local
branch, they filled out an application to
refinance their 30-year mortgage into a
15-year mortgage at a lower rate.
Rudy Hanley,
President and CEO
Retirement planning has always
With no upfront costs and just a slightly
higher monthly payment, the Schultzes
will pay off their mortgage 11 years
sooner and save nearly $115,000 in
interest.
been important, but never more
so than today, given some of the
uncertainties created by the current
economy and related developments.
Sharon Schultz
Retired Classified Employee
Placentia-Yorba Linda USD
Member since 2006
Finding a reliable, trustworthy
and knowledgeable advisor who
is familiar and committed to
serve your best interests is clearly
important.
Your SchoolsFirst FCU Membership
includes the benefit of complimentary
with a financial advisor5 who has your
best interests at heart. Our financial
advisors are all licensed and have an
average of 11 years experience helping
Members make the right decisions
about their savings and investments.
Together, they can chart a course that
is tailored to your individual needs and
“They took the time to explain the whole process, which made it really easy
to understand what was going on. When you’re refinancing your mortgage,
you want to make sure you’re making the right decision. The process with
SchoolsFirst FCU was wonderful. It was so easy.”
Payoff and savings results vary depending on qualifying rate and loan term.
Thursday, July 19
6:30 to 8 p.m.
Riverside-University Branch
1209 University Avenue
Riverside, CA 92507
To register, visit
schoolsfirstfcu.org/workshops.
Home Advantage
Enroll in Home Advantage
and you’ll get a team of
experienced advisors to
help make the home buying and
selling process easy and affordable,
with Members-only discounts.
• 20% rebate from First Team Real Estate6
• 20% discount on Hallmark/Coast
Cities Escrow services7
• 10% discount on a home warranty from
First American Home Buyers Protection8
• The SchoolsFirst FCU Service Guaranty:
if your loan doesn’t close on time,
we’ll give you $30010
We’re Here For You
have special expertise to help you
create a program that complements
the special retirement provided
through the state system. We offer
investment and retirement products
that are specially designed for
Holiday Notice
Go Online
schoolsfirstfcu.org
TellerPhone
800.540.4546
All SchoolsFirst FCU
locations will be closed
in observance of the
following holidays:
Call Us
800.462.8328
Mobile and Text Banking
schoolsfirstfcu.org/mobile
Visit a Branch
Facebook and Twitter
Independence Day
Monday, Sept. 3
school employees.
Labor Day
The summer may be a good time
to focus on planning for your
retirement with a complimentary
financial consultation.
No matter what your goals for the
future are, we are here to help.
3
Emergency Card
Support
Available 365 days
a year from 5 a.m.
to 12 a.m.
ATM Locations
Visit our website or mobile app for a complete listing of
28,000 fee-free ATMs nationwide, or simply text*
your address, intersection or ZIP Code to 692667
to find one near you on-the-spot.
* Data and text charges may apply. Check with your mobile provider.
Wednesday, July 4
Please recycle.
FIVE QUICK
CAR BUYING
TIPS
• Reduced rate on purchases for 12 months9
with your SchoolsFirst FCU Visa®
Enroll today at schoolsfirstfcu.firstteam.com
help you prepare for the future.
If you’re a school employee, we
SUMMER 2012
Our free real estate seminars offer the
perfect forum to learn about different types
of mortgage loans, refinancing options, and
current market considerations.
Thursday, July 26 & Tuesday, August 28
6:30 to 8 p.m.
SchoolsFirst FCU
Tustin Administrative Office
15442 Newport Avenue
Tustin, CA 92780
investment and retirement services,
as well as the opportunity to work
Home
Buying
Workshops
Federally Insured by NCUA
1. Our auto loan program features a range of rates based on various factors, including the applicant’s credit rating. Rates as of 7/1/12 are 1.99%-18% APR on new autos and 2.49%-18% APR on used autos.
Lowest rates reflect a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. Estimated monthly payments range from $1.52-$3.62 per $100 borrowed. Maximum term based
on various factors including amount financed. 2. Offer valid 7/1/12 - 7/31/12. Member’s approved rate will be reduced by 0.50% when Member purchases a vehicle through AutoNation Direct or Enterprise
Used Car Sales and finances with SchoolsFirst FCU. 3. Kelley Blue Book Trade-In Values used by Enterprise are obtained from (c) 2012 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value
is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In
Value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty
trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required
proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car
Sales Manager. Offer void where prohibited including AK, KY, LA, NE, NM, OK, OR, SC, TX and VA. Offer valid on 7/1/12 – 7/31/12. Cannot be combined with any other offers. 4. Our loan program features
a range of rates based on a variety of factors, including the applicant’s credit rating. Personal loan rates as of 7/1/12 range from 11.90%-18% APR and are subject to change. Estimated payments per $100
borrowed range from $2.22-$3.62; minimum payment $25; term based on a variety of factors, including amount borrowed. Lowest APR quoted includes a 0.75% discount for automatic payment transfer
from your SchoolsFirst FCU account. 5. Representatives are registered, securities are sold, and investment advisory services are 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 SchoolsFirst FCU. CBSI is under contract with SchoolsFirst FCU, through the financial services program, to make securities
available to Members. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. 6. Rebate payment is made by First Team Real Estate and is credited to
your benefit at the close of transaction. Purchase price must be greater than $150,000. First Team Real Estate is not affiliated with SchoolsFirst FCU. Ask for details. 7. Guaranty paid by Hallmark Escrow
at the close of transaction. Hallmark/Coast Cities Escrow is not affiliated with SchoolsFirst FCU. 8. First American Home Buyers Protection is not affiliated with SchoolsFirst FCU. 9. Applies only to first lien
position purchase transactions closed and funded with SchoolsFirst FCU. 10. Program applies only to first lien position purchase transactions closed and funded with SchoolsFirst FCU. Guaranty is void
if: a. A delayed closing is due to Member’s actions or omissions or is due to the delays caused by a third party. b. Member changes loan terms subsequent to us providing a guaranteed closing date. In
the unlikely event that SchoolsFirst FCU causes a delayed closing due to circumstances beyond its control, and does not proactively refund payment under the terms of this guaranty, Member must notify
SchoolsFirst FCU within 90 days of the closing date.
New Lower Auto
Loan Rates
Plus special Membersonly incentives
Mobile Banking & eDeposit
24/7 access to
your accounts
Get Help with
Summer Expenses
with a personal loan
How to get
a great deal on
your next car
Find the
Right Ride
this Summer
New low rates and cashsaving incentives on new
and used auto loans
With rates as low as 1.99% APR1 for
new cars, and 2.49% APR1 for used cars,
there’s no better time to find a new,
or new-to-you car. And you can lower
your rate another 0.50% when you buy
through Enterprise or AutoNation Direct.2
If you’re thinking about purchasing a new
or used vehicle, check out details
on all of our summer incentives at
schoolsfirstfcu.org/summerofsavings.
•N
EW LOWER RATES: as low as 1.99% APR on
new cars; 2.49% APR on used cars1
• Get an additional 0.50% off your rate when you
purchase your vehicle through Enterprise or
AutoNation Direct2
• Members-only pricing on select popular new
and used models
•E
nterprise will appraise your vehicle using
Kelley Blue Book® Trade-In Value and add $1,0003
5
quick tips
for getting the car
you want, at the
price you want.
If the thought of heading into negotiations with a car
dealer makes you anxious, you’re not alone. After all,
the average person buys a new car maybe once every
few years, while dealers sell hundreds every week.
Fortunately, there are techniques that will not only
help you remain calm, cool and collected during
the negotiation process, but that can also keep the
Here’s what you could save on a $20,000 auto loan when you purchase
through AutoNation Direct or Enterprise and finance with us:
advantage on your side of the table.
60-Month New Car Loan
APR
Payment
Bank Average
3.74%
$365.99
Let Us Help You Find and
Fund Your Next Car
SchoolsFirst FCU + 0.50% Rate Reduction 1.49%
$346.11
If you don’t want to haggle, relax and let us help
Savings with SchoolsFirst FCU
Monthly: Over the Life of the Loan: $19.88
$1,192.71
with our auto buying services through Enterprise
and AutoNation Direct.
You’ll receive:
APR
Payment
Expert, Personal Service
Bank Average
3.88%
$367.25
Purchasing Convenience
SchoolsFirst FCU + 0.50% Rate Reduction 1.99%
$350.47
Members-only Discounts
Monthly: $16.78
60-Month Used Car Loan
Savings with SchoolsFirst FCU
Over the Life of the Loan: $1,006.83
Payments and savings examples are estimates. Rate quoted is our best rate. Your rate
may vary. Bank average APR obtained via published information as of 6/13/12.
24/7 Banking Made Even Easier
Access your accounts with Mobile and Text Banking
Get text reminders and automatic notifications with eAlerts
With our free, easy-to-use Mobile Banking app and your
smartphone, you’ll enjoy 24/7 banking accessibility and
convenience. You can check account balances, confirm
deposits, schedule credit card and loan payments, transfer
money between your own accounts or to another Member,
and much more.
eAlerts automatically update you about your Checking,
Savings, and Loan accounts with messages sent to your
email address, text-enabled device, or both. Sign up for
eAlerts in Online Banking.
Our Mobile Banking apps are available for your iPhone
and Blackberry®. For all other smartphones, including
Android™, you can access your account through your browser
at schoolsfirstfcu.mobi. To learn more and register, visit
schoolsfirstfcu.org/mobile.
®
Honest Pricing
Explore our auto buying services online at
schoolsfirstfcu.org.
1
Come Prepared
Knowledge is power. And knowing what the dealer
paid for the vehicle you want is fundamental to confidently
negotiating a good deal for yourself. You always want to
start the negotiation process from the dealer invoice price,
not the sticker price. Edmunds.com can help you determine
what dealers pay for the make and model of the vehicle you
want to buy.
2
Stay Focused
It can be nerve-wracking sitting across from the
salesperson. They know it. Which is why discussions
sometimes careen off in different directions with talk about
financing or add-ons you don’t want. If the dealer starts
tossing out topics that stray from the conversation, bring the
dialogue back to talking strictly about the price you want.
3
We can help you with personal loan
rates as low as 11.9% APR and terms
up to 60 months.4 With a little extra
in your pocket, you can tackle a
home improvement project, take
a family trip, or just make sure
unexpected expenses are covered.
Call, go online, or visit a nearby
branch to apply today.
Maintain Control
Remaining emotionally detached from what is
happening around you is critical during the negotiation
process. It’s important to take your time, and never to feel
like you have to purchase a car on the spot. If you feel you’re
being rushed into a decision, recognize what’s happening
and be prepared to turn and walk out the door.
4
Be Friendly But Firm
Contentious interactions with the dealership won’t
help the process, and may actually hinder your efforts.
Keeping things light—and even injecting some levity into the
discussions—signals to the salesperson that you know how
to negotiate.
5
Leave Your Number
Finally, when negotiations seem to stall, give your
phone number to the salesperson as you stand to leave. Say
you like the car, but not at the dealer’s current price and that
you would appreciate a call when the price comes down.
Just be prepared to follow through if this does not elicit the
response or price you want.
Car buying may seem like an overwhelming process, but
if you do your research and come prepared, you can get
the car you want at the right price.
The eDeposit app features an intuitive user interface that is quick and easy to use. Just enter your
check amount, take a photo of the front and back of the check and submit! It’s that easy.
Stay Safe Online
These simple tips can help
prevent you from becoming
a victim of identity theft:
Keep your personal info personal
Only give out personal information
online to trusted sources. Avoid
disclosing personal financial
information when using public
wireless connections.
Never click on links sent in
unsolicited emails
Instead, type in a web address you
know. Use firewalls, anti-spyware,
and anti-virus software to protect
your home computer, and keep
the software up to date.
Check your settings in
peer-to-peer software
Be sure peer-to-peer file sharing
settings don’t point to directories
with sensitive or personal
information.
Deposit checks from anywhere, anytime with eDeposit
Introducing the eDeposit app, free for your iPhone®. It lets
you scan checks using your phone’s camera, and deposit
them directly into your SchoolsFirst FCU account. It’s safe,
secure and simple. Download it from the iTunes® Store today.
Data and text charges may apply. Check with your mobile provider.
Need Some Help
with Summer
Expenses?
Choose your password carefully
Use password combinations that
consist of random combinations
of numbers, letters and symbols.
Log in
Choose Deposit
Enter dollar amount and
snap check photos
Images are uploaded and
your deposit is complete
Source: Federal Trade Commission, ftc.gov
Real Member,
Real Savings
Sharon Schultz and her husband Rick
weren’t considering refinancing their
mortgage, but after seeing the Credit
Union’s low rates at our Member
Rewards Day event, they realized they
could save a lot without much hassle.
During a follow-up meeting at their local
branch, they filled out an application to
refinance their 30-year mortgage into a
15-year mortgage at a lower rate.
Rudy Hanley,
President and CEO
Retirement planning has always
With no upfront costs and just a slightly
higher monthly payment, the Schultzes
will pay off their mortgage 11 years
sooner and save nearly $115,000 in
interest.
been important, but never more
so than today, given some of the
uncertainties created by the current
economy and related developments.
Sharon Schultz
Retired Classified Employee
Placentia-Yorba Linda USD
Member since 2006
Finding a reliable, trustworthy
and knowledgeable advisor who
is familiar and committed to
serve your best interests is clearly
important.
Your SchoolsFirst FCU Membership
includes the benefit of complimentary
with a financial advisor5 who has your
best interests at heart. Our financial
advisors are all licensed and have an
average of 11 years experience helping
Members make the right decisions
about their savings and investments.
Together, they can chart a course that
is tailored to your individual needs and
“They took the time to explain the whole process, which made it really easy
to understand what was going on. When you’re refinancing your mortgage,
you want to make sure you’re making the right decision. The process with
SchoolsFirst FCU was wonderful. It was so easy.”
Payoff and savings results vary depending on qualifying rate and loan term.
Thursday, July 19
6:30 to 8 p.m.
Riverside-University Branch
1209 University Avenue
Riverside, CA 92507
To register, visit
schoolsfirstfcu.org/workshops.
Home Advantage
Enroll in Home Advantage
and you’ll get a team of
experienced advisors to
help make the home buying and
selling process easy and affordable,
with Members-only discounts.
• 20% rebate from First Team Real Estate6
• 20% discount on Hallmark/Coast
Cities Escrow services7
• 10% discount on a home warranty from
First American Home Buyers Protection8
• The SchoolsFirst FCU Service Guaranty:
if your loan doesn’t close on time,
we’ll give you $30010
We’re Here For You
have special expertise to help you
create a program that complements
the special retirement provided
through the state system. We offer
investment and retirement products
that are specially designed for
Holiday Notice
Go Online
schoolsfirstfcu.org
TellerPhone
800.540.4546
All SchoolsFirst FCU
locations will be closed
in observance of the
following holidays:
Call Us
800.462.8328
Mobile and Text Banking
schoolsfirstfcu.org/mobile
Visit a Branch
Facebook and Twitter
Independence Day
Monday, Sept. 3
school employees.
Labor Day
The summer may be a good time
to focus on planning for your
retirement with a complimentary
financial consultation.
No matter what your goals for the
future are, we are here to help.
3
Emergency Card
Support
Available 365 days
a year from 5 a.m.
to 12 a.m.
ATM Locations
Visit our website or mobile app for a complete listing of
28,000 fee-free ATMs nationwide, or simply text*
your address, intersection or ZIP Code to 692667
to find one near you on-the-spot.
* Data and text charges may apply. Check with your mobile provider.
Wednesday, July 4
Please recycle.
FIVE QUICK
CAR BUYING
TIPS
• Reduced rate on purchases for 12 months9
with your SchoolsFirst FCU Visa®
Enroll today at schoolsfirstfcu.firstteam.com
help you prepare for the future.
If you’re a school employee, we
SUMMER 2012
Our free real estate seminars offer the
perfect forum to learn about different types
of mortgage loans, refinancing options, and
current market considerations.
Thursday, July 26 & Tuesday, August 28
6:30 to 8 p.m.
SchoolsFirst FCU
Tustin Administrative Office
15442 Newport Avenue
Tustin, CA 92780
investment and retirement services,
as well as the opportunity to work
Home
Buying
Workshops
Federally Insured by NCUA
1. Our auto loan program features a range of rates based on various factors, including the applicant’s credit rating. Rates as of 7/1/12 are 1.99%-18% APR on new autos and 2.49%-18% APR on used autos.
Lowest rates reflect a 0.75% discount for automatic payment transfer from your SchoolsFirst FCU account. Estimated monthly payments range from $1.52-$3.62 per $100 borrowed. Maximum term based
on various factors including amount financed. 2. Offer valid 7/1/12 - 7/31/12. Member’s approved rate will be reduced by 0.50% when Member purchases a vehicle through AutoNation Direct or Enterprise
Used Car Sales and finances with SchoolsFirst FCU. 3. Kelley Blue Book Trade-In Values used by Enterprise are obtained from (c) 2012 Kelley Blue Book Co.’s website KBB.com. Blue Book Trade-In Value
is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Blue Book Trade-In Value. If a Blue Book Trade-In
Value is not available for customer’s vehicle Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty
trucks, with a Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required
proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Restrictions apply. For details, see an Enterprise Car
Sales Manager. Offer void where prohibited including AK, KY, LA, NE, NM, OK, OR, SC, TX and VA. Offer valid on 7/1/12 – 7/31/12. Cannot be combined with any other offers. 4. Our loan program features
a range of rates based on a variety of factors, including the applicant’s credit rating. Personal loan rates as of 7/1/12 range from 11.90%-18% APR and are subject to change. Estimated payments per $100
borrowed range from $2.22-$3.62; minimum payment $25; term based on a variety of factors, including amount borrowed. Lowest APR quoted includes a 0.75% discount for automatic payment transfer
from your SchoolsFirst FCU account. 5. Representatives are registered, securities are sold, and investment advisory services are 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 SchoolsFirst FCU. CBSI is under contract with SchoolsFirst FCU, through the financial services program, to make securities
available to Members. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states of the United States of America. 6. Rebate payment is made by First Team Real Estate and is credited to
your benefit at the close of transaction. Purchase price must be greater than $150,000. First Team Real Estate is not affiliated with SchoolsFirst FCU. Ask for details. 7. Guaranty paid by Hallmark Escrow
at the close of transaction. Hallmark/Coast Cities Escrow is not affiliated with SchoolsFirst FCU. 8. First American Home Buyers Protection is not affiliated with SchoolsFirst FCU. 9. Applies only to first lien
position purchase transactions closed and funded with SchoolsFirst FCU. 10. Program applies only to first lien position purchase transactions closed and funded with SchoolsFirst FCU. Guaranty is void
if: a. A delayed closing is due to Member’s actions or omissions or is due to the delays caused by a third party. b. Member changes loan terms subsequent to us providing a guaranteed closing date. In
the unlikely event that SchoolsFirst FCU causes a delayed closing due to circumstances beyond its control, and does not proactively refund payment under the terms of this guaranty, Member must notify
SchoolsFirst FCU within 90 days of the closing date.
New Lower Auto
Loan Rates
Plus special Membersonly incentives
Mobile Banking & eDeposit
24/7 access to
your accounts
Get Help with
Summer Expenses
with a personal loan
How to get
a great deal on
your next car