credit cards - SchoolsFirst Federal Credit Union

MAY 2010
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MEMBER REWARDS &
SHRED DAY – MAY 15
Low Auto Rates: As Low As 2.99%
APR 2 for New, 3.75% APR 2 for Used
and No Payments for 60 Days
Credit Cards: Rates
As Low As 8.5% APR
3
FREE LOAN CHECK-UP AT
LOAN AWARENESS DAYS
go green

Membership Is FREE
For Your Family Tree 1
This month, all your eligible family members can join
SchoolsFirst FCU for FREE 1 . That’s a $15 savings! Plus,
they’ll receive a complimentary eco-friendly grocery bag
as our special thank you. Visit www.SchoolsFirstfcu.org/
GoGreen to learn more.
DRIVE PAYMENT-FREE
FOR 60 DAYS!
Save green when you go green with a lower-emission vehicle
and a great rate from SchoolsFirst FCU. If you finance a
new or used vehicle, model year 2007 or newer, you’ll get:
60 Days No Payments
New Cars: Rates as low as 2.99% APR 2
Used Cars: Rates as low as 3.75% APR 2
FREE GIFT FOR
NEW MEMBERS
WHO CAN JOIN?
0 Spouse
0 Child
0 Parent
0 Grand parent
0 Grand child 1
0 Brother
0 Sister
SchoolsFirst FCU
Bank Average
Bank Of America
Chase
Wells Fargo
36 Mo. New Auto (APR)
2.99% 2
6.51%
3.20%
4.21%
6.34%
36 Mo. Used Auto (APR)
3.75% 2
6.91%
3.70%
4.26%
6.59%
Rates as of 04/08/2010
CREDIT CARDS: GREAT RATES, GREAT VALUE
Reduce your rate and the fees you pay when you transfer your balance to a SchoolsFirst FCU Visa credit card. We offer rates as
low as 8.5% APR 3 , and we won’t nickel and dime you with burdensome fees. But best of all, when you have our credit card, you
can rest assured we will NEVER treat you like just another customer. We can work with you in times of need and find a solution
that’s right for you—that’s the value of Membership at SchoolsFirst FCU. Why settle for anything less?
COMPARE AND SAVE WITH OUR LOW TO NO FEE CREDIT CARD
SchoolsFirst FCU
Platinum Visa
Wells Fargo
Platinum Visa
Bank of America
BankAmericard Visa
Citibank Platinum
Select MasterCard
Capital One
Platinum Prestige
Chase
Freedom
Purchase APR
8.50% 3
9.15%
10.99%
9.15%
11.90%
12.99%
Balance Transfer Fee
0%
3%
4%
3%
3%
5%
Cash Advance Fee
0%
4%
4%
4%
3%
5%
Over the Limit Fee
$0
$35
$39
$39
$29*
$39
Late Fee
$25
$15-$39**
$15-$39**
$15-$39**
$15-$39**
$15-$39**
*
If credit limit is $500 or more.
**
Based on the amount of your account balance at the time the fee is applied. $15 for $0-100, $29 for $100-250, $39 for >$250
The value is undeniable. Apply today at www.SchoolsFirstfcu.org >> Loans & Credit Cards.

Member rewards & shred day
Saturday, May 15
10 a.m. to 1 p.m.
4204 Riverwalk Parkway,
Riverside *
*
Mapquest and most GPS systems direct Members to an incorrect location.
Please visit www.SchoolsFirstfcu.org/GoGreen for a map and directions.
SHRED DAY AND E-WASTE RECYCLING
MEMBER REWARDS DAY
Come for the shred, stay for the rewards! Discover the
truly rewarding value of Membership at SchoolsFirst FCU
and get the chance to win an Apple iPad 4 ! Representatives
will be on-hand to discuss:
Low to No Fee Credit Cards
Free Memberships for Eligible Family Members 1
Loan Check-ups
Free Insurance Quotes 5
Investment and Retirement Services 6
BALANCE Financial Fitness Program 7
Real Estate Agent Rebate Program 8
go green
BRING THE WHOLE FAMILY!
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FREE GIFT!
Visit www.SchoolsFirstfcu.org/GoGreen for details.
NEXT MONTH: GET READY TO GET AWAY!
Need an escape from daily life? Let us whisk you away to Paradise! This
summer, three lucky winners will receive a dream vacation for two to the
beautiful Hawaiian Islands. Plus: we’ll be giving away other escapes
all summer long. Look for details in the June issue of Report Card.

FREE LOAN CHECK–UPs
DURING LOAN AWARENESS DAYS
Are you certain you have the best rates on your mortgage and consumer
loans with other lenders? Not knowing could cost you hundreds and even
thousands of dollars in unnecessary interest over the life of your loans.
We invite you to visit us at select branches during our Loan Awareness Days
to speak with specialists from our real estate and consumer loan departments.
Let us conduct a complimentary loan “check-up” to quickly see if you can save
money by refinancing your non-SchoolsFirst FCU loans with us. Just bring
along information about your current mortgage, vehicle, or other personal loan
and we’ll do the rest.
Web Site
www.SchoolsFirstfcu.org
Telephone Service Center
800.462.8328
Monday – Friday 7 a.m. to 7 p.m.
Saturday 9 a.m. to 3 p.m.
Teller Phone
800.540.4546
Emergency Card Support
Available 365 days a year from
5 a.m. to 12 a.m.
LOAN AWARENESS DAYS
Date
Branches
Mailing Address
P.O. Box 11547
Santa Ana, CA, 92711-1547
Friday, May 7
Friday, May 14
Friday, May 21
Friday, May 28
Garden Grove; La Habra
Riverside-University; Santa Ana
Murrieta; Newport Mesa; West Covina
Anaheim
No appointment necessary. To learn more, visit www.SchoolsFirstfcu.org.
NEW SUPER SATURDAYS! AYS!
Beginning June 5, our Placentia and Mission Viejo
branches will be open Saturdays from 9 a.m. - 2 p.m.
to better serve you. We also offer Saturday hours at
our Fountain Valley, Rancho Cucamonga, Riverside-University,
and Santa Ana full-service branches, as well as at all of our Express Centers.
Visit www.SchoolsFirstfcu.org >> ATM/Branch Finder to find the branch
or Express Center nearest you.
GET IN THE GAME
LAKERS SUITE WINNER!
Congratulations to Shirley Pigman! She won
accommodations in a luxury suite at a Los Angeles
Lakers game in the SchoolsFirst FCU Get in the
Game Sweepstakes.
Branch Hours
Monday – Thursday 9 a.m. to 5 p.m.
Friday 9 a.m. to 6 p.m.
Saturday* 9 a.m. to 2 p.m.
*
See our Web site for select locations
New Saturday Hours
Begining June 5, 2010
Mission Viejo and Placentia branches
Open 9 a.m. to 2 p.m.
Express Center Hours
Monday – Friday 10 a.m. to 6 p.m.
Saturday 10 a.m. to 3 p.m.
Campus Branches
Call for hours
ATM Locations
Visit our Web site for a complete listing
of SchoolsFirst FCU and
CO-OP Network ATMs.
HOLIDAY HOURS
Memorial Day
Monday, May 31, 2010
All SchoolsFirst FCU locations will be closed.
Please recycle.
Federally insured by NCUA. Share insurance coverage
increased from $100,000 to $250,000 through 12/31/13.
Disclosures
1. Family Membership fee of $15 is waived 4/1/2010 – 5/31/2010. $5 minimum deposit required to establish and maintain Membership. Grandchildren of Members are eligible; however, the
child's Membership must be opened by the child's parent or legal guardian. Eligibility subject to verification. 2. Rates range from 2.99% APR to 18% APR on new autos and 3.75% to 18% APR
on used autos, and are based on various factors, including the applicant’s credit rating. Lowest rate quoted includes a 0.75% automatic payment transfer discount. 3. Cash advance rate is
13.5% APR. SchoolsFirst FCU has a loan program which features a range of interest rates for some consumer loans. A rate is based on a variety of factors, including the applicant's credit rating.
Credit card rates as of 05/01/10 range from 8.5% to 17.9% APR for purchases and balance transfers and 13.5% to 17.9% APR for cash advances. Foreign transaction fee 2% of the transaction
amount in U.S. Dollars. Variable rate, subject to change after account opening. Rewards card program available, ask for details. 4. NO PURCHASE NECESSARY. Enter during the event (10:00
a.m.-1:00 p.m. on May 15, 2010). Entry forms and official rules available at the event. Apple is not a participant in or sponsor of this promotion. 5. Offered through Member Insurance Services.
CA Insurance License 0581192. 6. 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. Nondeposit 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. 7. BALANCE is not
affiliated with SchoolsFirst FCU. 8. Rebates are paid by the program administrator (1-2-3 HomeKeys) after the close of transaction. Rebate offer is not available in states where prohibited by
law. 1-2-3 HomeKeys is not affiliated with SchoolsFirst Federal Credit Union.