MEMbErs-oNly ratEs - SchoolsFirst Federal Credit Union

SPRING 2011
Member Rewards Day
April 16
Page 2
Refer a family member
and you could win! 1
Page 2
Let Us Help You
Find Your Way Home
• Competitive mortgage rates
• New purchase & refinance options
• Expertise you can trust
Tax Time Loan as
low as 7.5% APR 2
Page 4

2
Join us for
Member Rewards Day
Saturday, April 16 10 a.m. - 1 p.m.
SchoolsFirst FCU Administrative Office
15222 Del Amo Ave., Tustin, CA 92780
As a Member of SchoolsFirst FCU, you deserve
nothing but the best products and services to
make your financial life better. Please join us as
we celebrate YOU at Member Rewards Day.
• Confidential document shredding
• E-waste collection
• Products and services fair
• Fun family activities
Plus, representatives from different areas of the
credit union will be on hand throughout the day
to answer your questions.
Visit SchoolsFirstfcu.org/rewardsday for details.
When Your Family Joins
You Could Win!
Come for
the shred,
stay for the
rewards!
You can also find your next vehicle that day at our
Car Sale - 9 a.m. to 3 p.m.
• Large variety of used makes
and models to choose from
• No payments for 90 days 3
• Get the new car rate on your used car 6
Share the rewards of Membership with your immediate
family members and you’ll be entered to win a
Family Day prize package. 1
When you refer a family member 4 April 5 – May 31,
you’ll both be entered to win one of two family
day prize packages that include four (4) tickets to
Disneyland, plus $500 cash!
Use promo code FAMILY when you apply in-branch
or online. Visit SchoolsFirstfcu.org/familyday
for details.
PUTS YOU
Members-only Rates
Beat the Competition
Credit Card
As a SchoolsFirst FCU Member,
you have access to low rates and fees.
Our low-rate, Low to No Fee Visa offers zero-liability fraud protection,
purchase protection, travel and emergency assistance, auto rental
insurance and more.
Bank of Wells
SchoolsFirst FCU America Chase Fargo Citibank
APR 8.50% 5 10.99% 12.99% 10.15% 9.99%
Balance Transfer Fee 0% 4% 5% 3% 3%
Cash Advance Fee 0% 4% 5% 5% 5%
Auto Loan or Refinance
Rates as of 3/08/11. Bank rate sources available upon request.
Whether you’re purchasing a new or used car, or looking to refinance
your existing car loan from another lender, SchoolsFirst FCU delivers
competitive rates and promises a simple funding process.
New Cars 6 36 48 60 72
SchoolsFirst FCU 2.99% 2.99% 2.99% 3.24%
Bank Average 4.48% 4.73% 4.95% 5.49%
Used Cars 6 36 48 60 72
SchoolsFirst FCU 3.24% 3.49% 3.49% 3.65%
Bank Average 5.00% 5.25% 5.47% 6.05%
Rates quoted are APR as of 03/08/2011. Bank rate sources available upon request.
Call, click or visit a branch to apply today.
Complimentary, No-Obligation
Financial Consultation
Our knowledgeable financial advisors 7
can help you develop a plan to fulfill
your investment and retirement goals.
And because our advisors are
SchoolsFirst FCU teammembers,
you’ll receive the same level of service
and personal attention you have come
to expect from your credit union.
Call, click or visit a branch
to schedule a complimentary
consultation today.
SchoolsFirst FCU Members Michael and Marcella Bird
recently became first-time homeowners—and our real estate
professionals were with them every step of the way.
Let Us Help You
Find Your Way Home
At first, the Birds questioned whether they would ever
be able to own a home. “A 30-year loan is a big
commitment,” says Marcella, “and we worked hard
to be ready for it.”
As school employees, the Birds were concerned about
job security and the shaky real estate market. They
wanted to ensure they could handle the large financial
commitment, regardless of their employment status.
Getting Educated About The Home
Buying Process
To prepare, the Birds attended several SchoolsFirst FCU
Home Buying workshops over the course of two years.
“Those seminars were key for us because it was a way
of assessing where we were,” says Michael.
When they felt ready to buy, the Birds turned to
SchoolsFirst FCU Loan Consultant Renee Reynolds.
“Renee was an instant match,” says Marcella. “From
the very first call she was respectful and understanding.
She encouraged us to ask questions and we went for it.”
Renee determined they could lower their monthly
payments and save nearly $500 on loan processing
costs through our School Employee Mortgage Program.
“I looked into discounts with [other school employee
programs] but the credit union was substantially better,”
says Michael.
The Rewards of Membership
The Birds were able to save
money with our competitive
mortgage rates, and they are
now enjoying their new home.
This won’t be the end of their
home-buying experience with
SchoolsFirst FCU. Marcella sums
it up, “It’s comforting to know
that for the life of our loan
SchoolsFirst FCU is with us.”
Use an Agent, Get a Rebate!
Our Real Estate Agent Rebate Program pairs
experienced agents who have a consistent record of
high-quality service with our SchoolsFirst FCU Members.
· 25% rebate on participating agent’s commission 8
· Get professional guidance and representation
· Call 800.462.8328, ext. 8288 to learn more
Home Buying
Essentials
Workshops
Want to know what it
takes to buy a home?
Attend a complimentary
workshop:
Tuesday, April 26
Wednesday, May 25
6:30 – 8 p.m.
Rancho Santiago
Community College
District Office
Santa Ana
Saturday, April 23
Saturday, May 21
10 – 11:30 a.m.
Riverside-University
Branch
Riverside
Call or click to
register today.
Michael and
Marcella Bird,
Members since 2002
Rudy Hanley,
President and CEO
“Education affects eternity;
you can never tell where its
influence stops.”
—Unknown
One hears every day of the importance
of education, and of the role of school
employees in particular. Education is one
of the benefits every American has the
privilege to experience.
May marks the celebration of
Teacher Appreciation Week (May 2-7)
and Classified School Employee
Appreciation Week (May 16-21).
At SchoolsFirst FCU, we salute your
efforts, and your willingness to answer
the call of duty.
We know that, often with little notice
or credit, you perform small miracles
that change our communities and your
students’ lives. You are regularly called on
to be the ones to sacrifice when budgets
are tight and students are in need of the
most basic tools. If we can lighten your
load in any way, it is our distinct honor
and privilege to do so.
As a SchoolsFirst FCU Member, your
participation has helped our organization
thrive and remain successful even during
these difficult times. Every time you
choose us for a product or service, you
give us the opportunity to help not only
you, but your fellow Members.
You are SchoolsFirst FCU. We are your
credit union, and we couldn’t be prouder.
3

News and Highlights
Real Member, Real Savings
Annica Andersson needed to insure her daughter
Savanna’s new car. When her new rates didn’t
seem to add up, and her agent was unwilling
and unable to provide answers, the first place
Andersson called for a competitive quote was
SchoolsFirst FCU. “I’ve been happy with all the
other services [at SchoolsFirst FCU]” says Annica,
We saved Annica Andersson,
a SchoolsFirst FCU Member for
18 years, nearly $2,000 a year
on car insurance. 9
Annica Andersson, with daughter Savanna
a school resource specialist, “and I thought it would
be nice to have everything in-house.”
When Annica received her quote, she was shocked;
the rate for her daughter, husband and her combined
was just a few dollars more than she had been
paying for just herself and her husband. This pleasant
surprise resulted in a $1,987 annual savings.
Annica says the service she received was as
important as the savings. “[With my other agent] I felt
like I was the only one communicating and following
up,” she explains, “but Karen [Gallaher, a Member
Insurance Services agent] worked to lower our rates
instead of looking out for her own interest. I felt that
she was someone working for me.”
As April 18 approaches, you may have more financial obligations—or big ideas—than you have available cash.
Tax Time Loans as low as 7.5 % 2
APR
The SchoolsFirst FCU Tax Time Loan offers a high-value, low-interest solution
to this year’s tax bill—and a rate as low as 7.5% APR.
• No application or funding fees
• Terms up to 48 months
• No collateral needed
You can also use the SchoolsFirst FCU Tax Time Loan for home
improvements, debt consolidation, weddings, summer vacations,
and more. Call, click or visit a branch to apply by April 30.
Holiday Notice
CONTACT US
All SchoolsFirst FCU locations
will be closed in observance
of the following holidays:
Monday, May 30
Memorial Day
Monday, July 4
Independence Day
Online
www.SchoolsFirstfcu.org
By Phone
800.462.8328
Monday – Friday
7 a.m. to 7 p.m.
Saturday
9 a.m. to 3 p.m.
TellerPhone
800.540.4546
Emergency Card Support
Available 365 days a year
from 5 a.m. to 12 a.m.
Mailing Address
P.O. Box 11547
Santa Ana, CA, 92711-1547
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
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 surcharge-free CO-OP
Network ATMs.
Please recycle.
4
1. NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. Sweepstakes runs from 04/05/11 – 05/31/11. For optional entry, print your full name, address, and telephone number
on a 3” x 5” card and mail the card in a separate, sealed envelope to SchoolsFirst FCU, Attention: Family Day Sweepstakes, PO Box 11547, Santa Ana, CA 92711-1547. For Official Rules visit www.SchoolsFirstfcu.org/familyday.
2. SchoolsFirst FCU’s Tax Time Loan features a range of rates based on various factors, including the applicant’s credit rating. Rates as of 4/1/11 range from 7.5% - 18% APR. Estimated payment based on rate and term, per $100
borrowed, ranges from $8.68 - $9.18 for 12 mos., $4.51 - $5.00 for 24 mos., $3.12 - $3.62 for 36 mos.; $2.42 - $2.95 for 48 mos. Minimum payment $25. Maximum term based on amount borrowed. 3. First payment due within 90
days of funding. Finance charges begin to accrue immediately and are repaid over the life of the loan. As a result, you may pay higher total finance charges on the loan than if payments begin earlier. 4. $15 Membership fee may
apply. $5 minimum balance required to establish and maintain Membership. Immediate family members only; eligibility subject to verification. 5. SchoolsFirst FCU’s credit card program features a range of rates based on a variety
of factors, including the applicant’s credit rating. As of 03/08/2011 Gold and Platinum card rates range from 8.5% - 17.9% APR; Rewards card rates range from 11.5% - 17.9% APR. Rates are variable and subject to increase after
account opening. Foreign transaction fee 2% of the transaction; $25 annual Rewards card fee waived the first year. 6. Our auto loan program features a range of rates based on various factors, including the applicant’s credit rating.
Rates as of 03/08/2011 are 2.99% - 18% APR on new autos and 3.24% - 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 $1.54 - $3.62 per $100 borrowed. Maximum term based on amount financed. 7. 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. 8. Rebate payment by the program administrator (1-2-3 HomeKeys or First Team Real Estate) is made after the
close of transaction. 1-2-3 HomeKeys and First Team Real Estate are not affiliated with SchoolsFirst FCU. 9. Offered through Member Insurance Services. CA Insurance License 0581192.