SUMMER 2010
$20 Could Be Yours...
We’ve hidden a member’s account
number (selected at random) in
this issue of our newsletter. If
you find it and it’s yours, call us
before August 2, 2010, and
we’ll deposit $20 into your account.
Good luck!
Holiday
Closings
Independence Day
Monday, July 5, 2010
LOAN PROMOTION
New and Pre-Owned Vehicle Loans
Hit the open road in a great new or pre-owned
vehicle. Get the financing from Mission City FCU!
Our New and Pre-Owned Vehicle Loans
have 100% financing, rates as low as
3.99% APR* and terms up to seven years!
We can also pre-approve your Vehicle Loan
so you know ahead of time how much you
can spend on your next car, van or truck.
Plus, if you get a hybrid vehicle, you can
automatically get a .50% discount on our already great low rates.
Call our loan department today at 408-244-5818 ext. 26 to get started.
*APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice.
Signature
Loan Special
Labor Day
Monday, September 6, 2010
Admissions Day
Thursday, September 9, 2010
Main Office
1391 Franklin Street
Santa Clara, CA 95050
(408) 244-5818 Fax: (408) 244-9390
Toll-Free: 1-888-361-1894
Office Hours
Monday – Friday
9:00 AM – 5:15 PM
Mailing Address
P.O. Box 466
Santa Clara, CA 95052-0466
www.missioncityfcu.org
E-mail: info@missioncityfcu.org
Your savings are federally insured to at least
$250,000 and backed by the full faith and
credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.
Do you have a borrowing need? Maybe you
want to add a pool to your backyard, update
your kitchen or bathroom, improve your
deck, consolidate debt, or pay educational
expenses. A Signature Loan from Mission
City FCU can help you do all that and more. Whatever you need extra money
for, you’re covered with a Signature Loan.
And, we’re offering a great special right now for our Signature Loans that give
you an affordable monthly payment that fits everyone’s budget.
Borrow $1,500
Term of 1 year
7.00% APR*
or
Borrow $3,000
Term of 2 years
8.00% APR*
Applying is easy! Just stop by, give us a call or visit our web site at
www.missioncityfcu.org today!
*APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice.
Call Us With Your Updated Contact Information
Please contact the credit union with your current address, name, phone
numbers, etc. to ensure that you receive your statements and any other
important credit union documents.
We will make the necessary change(s) to your account(s).
Get Your Discounted Summer Fun Tickets Here!
California’s Great America
General Admission
Gold Season Pass
General Admission Special
$30.99
$80.99
$25.99
(Regular Price $39.99)
(Regular Price $89.99)
(Regular Price $39.99)
(spring 3/28-6/13 fall 9/11-10/31)
Valid through October 31, 2010
Six Flags Discovery Kingdom (formerly Marine World)
General Admission
$27.00
Children under 48"
2 & under FREE
Parking
$10.00
Valid through October 29, 2010
(Regular Price $44.99)
(Regular Price $29.99)
(Regular Price $15.00)
Annual Notice
Regarding Non-Visa
Pinless Debit
Transactions
You may use your Visa Debit Card to
initiate both Visa debit transactions and
non-Visa debit transactions without
using a personal identification number
(PIN) to authenticate the transaction.
Monterey Bay Aquarium
Ages 3-12
Ages 13-17/College
Ages 18-64
Ages 65+
$14.95
$24.95
$26.95
$24.95
(Regular Price $17.95)
(Regular Price $27.95)
(Regular Price $29.95)
(Regular Price $27.95)
For these and Disney Land, California Adventure, Raging Waters, and Gilroy Gardens
tickets, stop by the credit union!
All sales are final. Prices are subject to change. Funds must be available in account or cash.
To initiate a Visa debit transaction, you
may sign a receipt, provide a card number
or swipe your card through a point-ofsale (POS) terminal and choose to route
the transaction over a Visa Network.
RA
TEW
ATCH
RATEW
TEWA
Rates effective as of July 1, 2010, and subject to change without notice. Call for current rates.
APR = Annual Percentage Rate. APY = Annual Percentage Yield.
Savings
Regular Savings,
Secondary Shares
Christmas Clubs
Money Market
($2,000 min.)
Checking (Daily)
IRA Accumulation
Share Certificates
3 months
($2,500 min.)
6 months
($2,500 min.)
12 months
($2,500 min.)
24 months
($2,500 min.)
18-month
Jumbo Certificate
($100,000 minimum)
24-month
Jumbo Certificate
($100,000 minimum)
12-month
IRA Share Certificate
($500 minimum)
24-month
IRA Share Certificate
($500 minimum)
24-month
Jumbo IRA Certificate
($100,000 minimum)
APR
APY
VISA (to $10,000)
10.99%
.35%
.35%
Share Secured VISA
8.75%
.35%
.75%
.35%
.75%
New & Pre-owned Vehicle Loans
.15%
1.00%
.15%
1.00%
0.50%
0.50%
0.75%
0.75%
1.14%
1.15%
1.54%
1.55%
1.74%
1.75%
1.74%
1.75%
1.14%
1.15%
1.54%
1.55%
1.74%
1.75%
Note: Federal regulations prohibit payment of dividends in
excess of available earnings.
*These dividends are computed daily and paid monthly.
©
Loans
2010 Membership Marketing Support Services • Pottstown, PA 19464
100% financing
3 years
4.99%
4 years
5.99%
5 years
6.99%
6 years**
7.99%
7 years***
8.99%
Hybrid Vehicle .50% Discount
80% financing*
3.99%
4.99%
5.99%
6.99%
7.99%
*In order for a pre-owned vehicle to qualify for 80%
financing, the loan value must be no more than 80%
of MID “Blue Book” value.
**For loans over $20,000 only.
***For loans over $40,000 only.
New & Pre-owned RVs,
As low as 6.99%
Motorcycles, Boats
Fixed-Rate Second Mortgages
7.25N/AN/A
(15-year maximum)
Fixed-Rate Second Mortgages
5.75%N/A
($50,000 – 7-year maximum)
Home Equity Lines-Of-Credit
4.25% (variableN/A
(to 80% appraised value,
$200,000 maximum)
Signature Loans/Lines-Of-Credit
9.50%
(max. loan $10,000; max. LOC $7,500)
Stock Secured Loans
7.50%
(3 year max. term @ 50% of New York
Stock Exchange Market Value)
Share Secured Loans
3.00% above share
(10 year max. term)
dividend rate
Computer Loan
7.50%
($2,000 – 18-month term)
Note: All loans subject to normal approval.
To initiate a non-Visa debit transaction,
you may enter a PIN at a point-of-sale
terminal or, for certain bill payment transactions, provide the account number for
an e-commerce or mail/telephone order
transaction after clearly indicating a
preference to route it as a non-Visa transaction. We have enabled non-Visa debit
transaction processing on the CO-OP
Network.
The 3651-00 rights and protections
applicable only to Visa debit transactions,
including additional consumer liability
limits and streamlined error resolution procedures, as described in your Electronic
Fund Transfers Agreement and Disclosure,
will not apply to transactions processed
through non-Visa networks.
Please contact the Credit Union with any
suggestions you may have regarding this
notice.
How We’re Doing
May
2009
2010
$68,860,387
$74,477,793
DEPOSITS
62,393,352
68,030,323
LOANS
35,797,089
33,079,221
4,042
3,998
ASSETS
MEMBERS