March 31, 2014
N EWSLETTER
New Credit Union Manager
New Credit Union Manager
San Bernardino Community College District EFCU 701 S Mt Vernon, San Bernardino, CA 92410
www.sbccdefcu.org hjedinak@sbccd.cc.ca.us 909-384-4498 Fax 909-885-4690
Vacation Loan Special!!
During the months of April, May and June, 2014, San
Bernardino Community College District Employees
FCU is cutting our vacation loan rates by
2%!! INCREASING the limit to $2,000!!
You can even set the loan up on our new Summer Skip
program
Trade your car/truck in with us
If you have an existing loan on your car/truck
with another institution, we’ll help you with
lowering your interest rate, which will help
you with lowering your payments!
Members can refinance their existing car/truck
loan from another institution and either lower
your interest rate by 1% or get the rate you
qualify for with us, whichever is lower.
WE'LL LOAN UP TO 110% OF HIGH BLUE BOOK
YOUR REMAINING TERM STAYS THE SAME
FEE SCHEDULE
New Member
Late Loan Payment (after 10 days)
Returned Mail
Inactive (after 12 months)
Stop Payment
Wire
Incoming
Outgoing (domestic only)
Returned Deposited/Payment Item
Unclaimed Property Notification
Levies/Garnishments-IRA, State, Marshall, Etc
Account Research
(min $25.00)
Dividends
$ 1.00
$15.00
$ 5.00
$20.00 qtr
$30.00
Free
$30.00
$25.00
$ 2.00
$30.00
$25.00/hr
as of April, 2014
Regular Shares
$50.01-$10,000.00
$10,000.01+
.20% APY
.33% APY
IRA
$500.00+
Holiday & Vacation Clubs
$5.01+
.35% APY
.20% APY
UNSECURED LOAN PROMOTION
We’ve doubled the amount you can apply for. Qualify for $1,500, you can now apply for $3,000; qualify for
$3,000, you can now apply for $6,000; qualify for $5,000, you can now apply for $10,000; qualify for
$10,000, you can now apply for $20,000!
During the months of April, May and June of 2014
Call Heather on X4498 or stop by for complete details.
Page 2
Newsletter
CALIFORNIA NOTICE
(For members who still have open ended loans with SBCCDEFCU)
CUNA MUTUAL GROUP HEREBY PROVIDES YOU WITH NOTICE REGARDING THE PREEXISTING EXCLUSION
PROVISION ON OPEN-END CREDIT DISABILITY ACCOUNTS AS REQUIRED ANNUALLY BY THE CALIFORNIA
INSURANCE DEPARTMENT.
THIS INSURANCE MAY NOT COVER AN ADVANCE OR CHARGE UNDER YOUR CREDIT
LINE IF YOUR DISABILITY OR DEATH RESULTS FROM A CONDITION FOR WHICH YOU
HAVE SEEN A DOCTOR OR CHIROPRACTOR IN THE SIX MONTHS BEFORE THE ADVANCE
OR CHARGE.
SHARE US WITH YOUR FAMILY
Did you know that membership in San
Bernardino Community College DEFCU is open
to your family?
Wouldn’t it be nice to have cash when you needed
it? How many times have you had to use credit and
borrow money for things you knew were coming up
like holidays or vacation?
Your credit union has savings accounts for those
very purposes. With payroll deduction, you can
watch your holiday club and vacation club accounts
grow without having to do a thing!!
When the time comes, the money will be available
and ready to spend.
Credit Disability Insurance
Planning your family’s financial future by
protecting your loans with credit insurance can
help your family if your income is reduced or
eliminated due to a disabling injury or illness.
SIGN UP TODAY
Stop Junk Mail and Telemarketing*
Continue to Go Green in 2014, by eliminating junk mail and telemarketing calls.
About 62 million trees and 25 billion gallons of water are used to produce a typical year’s worth
of junk mail in the U.S. Here’s how you can stop the steady flow of unwelcome mail and telemarketers:
• Call the Consumer Credit Bureau’s Main opt-out line at (888) 567-8688 to discontinue receiving junk mail for two years.
• Call Experian’s Consumer Services at (402) 458-5247 to remove your name from non-credit offers such as samples, coupons, catalogs, and
flyers.
• Contact the Direct Marketing Association (DMA) to opt-out at Mail Preference Service at P.O. Box 282, Carmel, NY 10512 or use the DMA
Mailing List web form at www.DMAChoice.org.
• For telemarketers, you can state “Put me on your do-not-call list” when they call.
• For unwanted mail, write to the company or call them at their “800” number requesting that your name and address be removed from their
mailing list, or write that request in the postage-paid envelope inside the solicitation. These methods can work for you, but be patient. It may
take three to six months before you see a decrease in your junk mail.
Source: http://www.fightidentitytheft.com/junkmail.htm