Skip a Loan Payment and
Sock Away Some Holiday Cash
At SDPECU, it’s the most wonderful time of the year! If you have an Auto or Signature Loan
in good standing, you can sign up to Skip-a-Payment in either December 2009 or
January 2010. Spend the money or sock it away—it’s your choice. You’ll simply
resume loan payments the following month with no hassles or penalties.
To sign up for Skip-a-Payment, follow these simple instructions:
• Complete the form below and return it by November 30th
• Pay the one-time $25 processing fee by check or account debit
• Enjoy either December or January loan-payment free!
Whether you make payments monthly, bi-weekly, automatically, or by check, skipping a loan
payment can really help stretch your holiday budget. Don’t delay—sign up today!
!
Yes! I’d like to skip a loan payment this season!
Member name: _________________________________Member number:________________
Daytime telephone number:_ __________________________________________________
Note: This form must be received by SDPECU by November 30, 2009!
Skip loan payments for one full month! Choose one: r December 2009 r January 2010
Indicate the loan(s) you would like to skip:
Loan type: _____________ Loan number:_ _______________________________________
Loan type:_ ____________ Loan number:_ _______________________________________
By signing and returning this voucher, I authorize the $25 processing charge for each request. I also understand my loan payments will be
skipped for one full calendar month, resulting in an increased finance charge for the first payment resuming my regular payment schedule.
Member signature:_______________________________________Date:_ ______________
Co-borrower’s signature:____________________________________Date:_ ______________
Complete form and mail in a stamped envelope to:
SDPECU - Attn: Holiday Deferral, 1485 River Park Drive, Sacramento, CA 95815
Green Up the Season with a Holiday Loan
$1,200 Loan • 12.00% APR* • 12-Month Term
The 12 days of Christmas can leave any
family short on cash. If you need a little
financial help this holiday season, come
to the credit union for a Holiday Loan.
This season only, you can borrow up to $1,200
from SDPECU at a low, fixed rate of 12% APR* and pay
back the loan over a 12-month term. Use your Holiday
Loan for anything you need, including gifts, travel, or
goodies from Santa. Apply now and enjoy:
No loan fees • Low payments • Same day approval
Get your cash in hand before the shopping season
begins. Apply by visiting www.sacpostalcu.org and
clicking the application button, calling a loan representative at (916) 921-5050 ext. 226 or 238, or visiting
any branch.
*APR = Annual Percentage Rate. Rates and terms subject to change. All loans are based on approved credit. Some restrictions apply. Contact SDPECU for information.
From the Desk of the CEO
With today’s worldwide access to an infinite
realm of information, it stands to reason that
many members are concerned about the
privacy of their personal information. At a
time in our fast-paced lives when so many
things seem unsure, it’s good to know that
when it comes to your most private financial
information, your credit union always has
Valorie Pruitt, CEO your back.
Sacramento District Postal
Employees Credit Union SDPECU goes to great lengths to earn your
trust. Protecting your personal information
and using it in a manner consistent with your expectations is a high priority
for everyone associated with our credit union. Under federal law, we are
required to present you with a privacy notice annually. This notice describes
our credit union’s privacy policy and practices concerning the personal
information we collect and disclose about our members. It also includes
information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.
not be disclosed to non-affiliated third parties, you may “OPT OUT”—that
is, you may specify SDPECU not make those disclosures (other than those
permitted by law). Non-member joint account holders, co-borrowers, and
guarantors may also exercise the right to opt out. For joint account holders,
an opt-out request applies to everyone listed on the account unless you
specify otherwise. If you wish to opt out, call (916) 921-5050 or toll-free
outside the local area at (800) 300-7053 extension 245. You may also mail
your request to: SDPECU, 1485 River Park Drive, Sacramento, CA 95815.
Important information about the data your Credit Union
collects to provide you comprehensive products and services:
4. In connection with a securitization, secondary market sale (including servicing rights) or similar transaction related to a consumer
SDPECU maintains physical, electronic, and procedural safeguards that
comply with Federal regulations to guard non-public personal information.
In addition, SDPECU restricts internal access to only those employees who,
in order to provide you products and service, need specific information for
that request.
We collect non-public information from some or all of the following sources:
1. From your applications or other forms
2. Transaction Information such as your account balance, payment
history, parties to transactions, and credit card usage
3. Information from a consumer-reporting agency, such as credit
worthiness and credit history
SDPECU may disclose some or all of the information, collected and described
above, to the following: Financial service providers such as mortgage
bankers, securities brokers, and insurance agents, and non-financial
companies such as retailers, direct marketers, and publishers. And others,
such as non-profit organizations and companies that perform marketing
services for SDPECU and/or to other financial institutions for joint marketing
agreements. If SDPECU shares information with a third-party, non-affiliated
marketing firm for the purpose of telling our members about our new
products or services, SDPECU will enter into a written agreement with the
third party that will require that party to maintain the confidentiality of the
information in the same manner the credit union would and restrict its use.
Member’s Right to Opt-Out of Sharing Agreements
Members have the right to opt out of SDPECU’s sharing agreements with
certain affiliates and non-affiliates. If you prefer non-public information
Exceptions to Opt-Out Rights
By law, Sacramento District Postal Employees Credit Union may share
personal information about members without allowing the opportunity
to opt out in the following circumstances:
1. With companies that perform transaction processing for SDPECU
2. If the transaction, service or product is requested or authorized by
the member
3. To maintain or service a member’s account as part of a private label credit card or other loan extension program
5. For disclosures that are necessary to enforce the credit union’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction
6. For disclosures required in the ordinary course of our business, such as in the settlement of claims or benefits, the confirmation of information to a member or their agent, and the billing, processing or clearing of items in the normal course of business
7. To provide information to insurance rate advisory organizations,
guaranty funds or agencies, agencies that are rating the credit union, persons that are assessing the credit union’s compliance with industry standards, and the credit union’s attorneys, accountants and auditors
8. To the extent permissible under the Rights to Financial Privacy Act (RFPA)
9. To a consumer reporting agency under the Fair Credit Reporting Act
10.To comply with federal, state or local laws, rules and other applicable
legal requirements.
If you have any questions or require assistance, call (916) 921-5050.
Sincerely,
Valorie Pruitt
President/CEO
Get SDPECU Branch Access at 1,000+ Locations Nationwide
And 33 branch locations in the Sacramento area
Did you know we’ve added thousands of branch locations to serve you?
Through Shared Branching, you can access your
SDPECU accounts at any of 33 credit union locations in the Sacramento area—and at thousands of locations across the country.
With Shared Branching, you can visit any cooperating credit union to
conduct many of the same transactions you would typically conduct
in an SDPECU branch. Cooperating credit unions allow this networked
access to make credit unions even more convenient than most large
banks. Look for the CO-OP or CU Service Centers Logo on a credit
union’s door, or visit http://www.co-opfs.org and select Products Shared Branching, to look up a location online.
You’ll find convenient Shared Branching locations in the following
local areas:
Area
Citrus Heights
Elk Grove
Folsom
Gold River
Number of Shared Branching Locations
3
4
2
1
Granite Bay
McClellan Park
North Highlands
Orangevale
Rocklin
Roseville
Sacramento
1
1
1
1
2
4
13
Here are some transactions you can enjoy at a Shared Branching location:
• Deposits
• Withdrawals
• Loan payments and advances
• Balance inquires
• Fund transfers
• Money orders and official checks
• Notary, fax and photocopy services
• 24-hour deposit-taking ATMs
Home Banking Delivers Service to Your Door
When visiting a branch is less than convenient, SDPECU delivers service
to your home. With free services like Home Banking, Online Bill Pay,
and e-Statements, you can get all the convenience you need right from
your personal computer.
Recently, we updated all our electronic services to serve you better.
If you’ve never tried these services, we encourage you to log onto
www.sacpostalcu.org and give them a try.
With Home Banking, you can:
• View account information and balances, including
sub accounts
• Place stop payments on checks
• Request a withdrawal by check
• Transfer funds immediately • Schedule recurring fund transfers
• Download history via Web Connect (Quicken 2008 and 2009)
• Apply for loans online in real time and get a fast answer
• Get balance alerts via email
• Nickname subaccounts
While you’re there, sign up for our best-of-class Online Bill Pay:
• Enroll through Home Banking • Pay virtually anyone in the continental US, Alaska, Hawaii, and Puerto Rico.
• Send payments either electronically or by check
• Make electronic payments that clear in 2 - 3 business days • Send checks that cannot be altered by thieves
• Stop and reissue payments, when necessary
• Pay bills one at a time, or schedule recurring payments
Sign up for e-Statements and Keep the Planet Green
Cut down your paper clutter and help save a tree! e-Statements are the
safe, secure way to receive your member statement. Sign up online at
www.sacpostalcu.org .
Administrative Offices
1485 River Park Drive
Sacramento, CA 95815
Branch Locations
1485 River Park Drive
Sacramento, CA 95815
Fax: (916) 921-0800
Fall for an SDPECU Visa Card
Are the rates on your Visa Card rising? Turn over a new leaf in
money-saving convenience with an SDPECU Visa Card. Unlike
other credit cards with rising rates and fees, our Visa rates and
fees remain low and stable. Apply now and have your card
before the holidays. There’s no annual fee!
3775 Industrial Blvd.
P.O. Box 980064
West Sacramento, CA 95799
Fax: (916) 371-0312
Web Site
www.sacpostalcu.org
Telephone
Visa Gift Cards - The Perfect Gift
for Everyone on Your List
Shopping for gifts can be exhausting. Save yourself time and
stick to your budget easier by buying everyone on your list
an SDPECU Visa Gift Card. The cards can be used at any
Visa Merchant location, including restaurants, stores, and
hotels. A $3.95 processing fee applies per card—which
is cheaper than many greeting cards!
(916) 921-5050 or
(800) 300-7053
(outside Sacramento city limits)
Office Hours (All Branches)
9:00 a.m. to 4:30 p.m.
Monday through Friday
Important Announcements
Holiday Closure Announcement
SDPECU will be closed in observance of the following holidays:
Columbus Day - Monday, October 12
Veteran’s Day - Wednesday, November 11
Thanksgiving - Thursday and Friday, November 26 & 27
Christmas Eve - Thursday, December 24 (close at 1:00 PM)
This publication is for information only and not
intended to provide recommendations for any
individual. We suggest that you consult your
accountant or tax advisor with regard to your
individual situation.
We do business in accordance with the Federal Fair
Housing Law and Equal Credit Opportunity Act.
Your Savings insured up to $250,000 per account.
This institution is not Federally insured.
Christmas Day - Friday, December 25
New Year’s Eve - Thursday, December 31 (close at 1:00 PM)
New Year’s Day - Friday, January 1