qtr 1 2014 Capstone federal credit union quarterly membership newslet ter & guide to financial services Start the New Year with a New Car! Ultra-Low Interest Rates! Auto loan rates are now as low as 2%* on a 36-, 48-, or 60-month loan and 2.80%** for a 72-month loan on a new car. Speed in and celebrate the New Year with a new car! Our rates and customer service surpass the dealer’s, so hop in the fast lane and come see us. Plus, if you fund an auto loan of over $10,000 with CFCU, we’ll throw in a free vacation voucher! That’s something no dealer can say! Ask us about our Vacations Options. *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 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. New autos only. 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. Open a Signature Loan for the New Year This year, secure your finances and consolidate your debt with a CFCU Signature Loan. You’ll gain financial stability from a fixed interest rate for up to 48 months on a minimum loan amount of $500 (maximum of $15,000). Plus, if you apply for $10,000 and it is funded, we’ll throw in a free vacation! Nobody else has a deal like this, so contact us 24/7 at www.capstonefcu.coop or 800-854-7125 for more details. *All loans are subject to credit approval. Approval is good for 30 days. Rates are determined by credit qualifications, loan amount, and collateral. This offer cannot be combined with any other rate discounts. Rates subject to change. Some restrictions apply; contact Capstone FCU for details. Candice’s Corner: Notes from the President Now that I’ve settled into my role as President of the credit union, I want to wish all of you a Happy New Year and remind you that my door is always open for our members. Please come by and say hello, and please also feel free to call or email me anytime with questions. We concluded the celebration of our 2013 White Diamond Year and 60 years of excellent service on a high note. Now, we’re ready to leap forward into 2014 with rock-bottom auto loan rates, fantastic signature loan rates, new real estate services, and Visa Gold credit cards with rewards. This year, we’re throwing in free vacations when you finance $10,000 of your auto loan or signature loan with us. Our members are our first priority, whether we’re simply providing excellent customer service or getting you the best deal around on a new car. Please check with us first when you need a loan of any kind. This is our 61st year of providing great service to our members, and we continue to grow our assets and investments, save money prudently, and lend money to our valued members. We continue to leverage technology, offering 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. As 2014 gets underway, we will continue to strengthen our relationships with our valued members, who make up Capstone’s “strong foundation.” Thank you for your support. ~Candice Landeros, President Candice Landeros, President New Year, New Changes The New Year often brings new life changes, and we’d like to stay updated on yours. Please remember to notify the credit union if you’ve updated your address, email, phone numbers, or anything else relevant to your account with us. Open Your Christmas Club Account CFCU’s Christmas Club is an easy way to save small sums of money throughout the year, earn competitive dividend rates on your deposits, and have a nice pile of cash on hand next year for your holiday shopping and gifting. There is no minimum balance required to get started, so if you want to open a Christmas Club account for next year and get ahead of the game, please contact us. CFCU and AnyHour Mortgage Offer Stress-Free Home Loans We’ve teamed up with AnyHour Mortgage to offer straightforward mortgage loans and great real estate services. Lock in a low rate and low closing costs with a trustworthy lender: AnyHour Mortgage offers customized home loan solutions, pre-qualification and pre-approval, purchase and refinance options, and expert assistance throughout the home buying process. Visit www.capstonefcu.coop or call 866-322-3082 to learn more. Annual Meeting April 3 The 61st annual meeting of CFCU members will take place April 3, 2014 at our Aliso Viejo office. All members are welcome! The meeting will be held in Conference Room A1-A031, on the first floor of Building A. Registration will begin at 4:45 P.M., with a reception at 5:00 P.M. The meeting will be called to order at 5:15 P.M. Come enjoy food, beverages, and door prizes; and celebrate our 2013 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! 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 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: Monday, January 20, 2014 — Martin Luther King, Jr.’s Birthday Monday, February 17, 2014 — President’s Day Serving Our Members Since 1953