Central State Credit Union
news central
Get Up to $400 and a Lower Car Payment!
It’s a Double Good Deal!
Refinance your auto loan from another
lender to CSCU and receive a Visa® Gift
Card in the process.* Here’s the deal:
• Refinance rate as low as 3.75% APR**
• Receive a Visa Gift Card worth 1% of the
loan amount (up to $400) when you
refinance your loan from another
lender. (For example,
a $20,000 car loan
would qualify to
receive $200)
As
Rate As Low
3.75% APR**
a
Receive a Vis
d
ar
C
Gift
• Terms up to 72 months are available
on balances of $10,000+
Offer Ends March 31, 2010
How will you use your Visa Gift Card?
A DVD player for your car, dinner and
a movie, a Valentine’s gift for your
sweetie…the possibilities are endless!
Apply for your auto loan online today
at www.centralstatecu.org.
*Loans are subject to credit approval. Minimum loan
amount is $10,000 for model years 2001 or newer. Offer
does not apply to existing CSCU loans. Loan payments
must be current. Limit one gift card per loan financed.
Maximum gift card is $400. Gift card issued when
loan is funded by March 31, 2010.
**Annual Percentage Rate. Rate stated is for a
FICO score of 740+ and includes 0.25% APR
discount for automatic payment transfer and
terms up to 24 months. Other rates and
terms are also available. Rates are subject to
change without notice.
Winter 2010
Way to ‘Go’ Marilyn
Akers…Winner of Our
GoCSCU Giveaway!
Ms. Akers won a new Blackberry just
for trying GoCSCU mobile banking!
Our New Website Has
Made Its Debut!
Our new easy-to-navigate Website
puts everything into perspective!
Get the latest news and tips, access
your accounts, apply for a loan and
so much more! Check it out at
www.centralstatecu.org!
Homebuyer Tax Credit Is Extended!
Great news…Congress has extended the tax
credit for first-time homebuyers and expanded the credit to existing homeowners, too.
• The credit for first-time buyers who have
not owned a home in the last three years
is still available up to $8,000.
• Up to $6,500 is available for homebuyers
who have lived in the same principal
residence for five consecutive years of
the last eight-year period.
You Must Meet the Deadline
All buyers must have a binding contract
on a house in place on or before April 30,
2010 and must close on or before June
30, 2010. Check with your tax advisor to
see if you qualify for the tax credit.
Get Pre-Approved Today!
Rates and home prices are still low and
CSCU has a loan to fit your needs. Choose
from a variety of home loans with competitive rates and low closing costs.
• FHA loans
• Low down payment options
• Jumbo loans for larger purchases
• Loan preapprovals and more!
Call (877) 223-9908 to speak to one
of our Mortgage Consultants at CUSO
Mortgage. Or, visit our Website at
www.centralstatecu.org to view
current rates and get pre-approved.
Annual Meeting
Join us for CSCU’s Annual Meeting
on Thursday, February 25 at 6 p.m.
in the lobby of our main branch
office located at 919 N. Center
Street. We hope you’ll join us!
Holiday Closings
Martin Luther King, Jr. Day
(observed) – Saturday, January 16
and Monday, January 18
Presidents’ Day – Saturday,
February 13 and Monday, February 15
Try Something New...CSCU’s FREE eServices
Information Central
(209) 444-5300 • (800) 675-5114
Website/Online Services
www.centralstatecu.org
Twitter
www.twitter.com/CentralStateCU
CALL-24 (Touchtone Banking)
24 hours a day, 7 days a week
(209) 943-6803 • (800) 217-4939
Loans-by-Phone
24 hours a day, 7 days a week, (800) 811-7424
Loan Central (60-Second Loans)
www.centralstatecu.org
Lost or Stolen Cards
Visa Check/ATM Cards (800) 264-5578
Visa Credit Cards (800) 453-4270
Stockton Main Office
(Walk Up and Drive Up ATM)
919 N. Center Street, Stockton CA 95202
El Dorado Branch
(Walk Up and Drive Up ATM)
5242 N. El Dorado Street, Stockton CA 95207
Lodi Branch (ATM)
363 S. Lower Sacramento Rd., Ste. C
Lodi CA 95242
San Andreas Branch (ATM)
462 St. Charles Street, San Andreas CA 95249
Angels Camp Branch (ATM)
Frog Jump Plaza
51 North Main Street, Ste. G
Angels Camp CA 95221
University of the Pacific ATM
McCaffrey Center, Stockton, CA
California Department
of Transportation ATM
1976 Dr. Martin Luther King Jr. Blvd.
Stockton CA 95205
Mon. – Fri., 6 am–6 pm (Closed on state
holidays; cash withdrawals only.)
The New Year is a perfect time to step out
of the old way and into the new. Stay
connected, and save time and trees by
giving these CSCU eServices a try.
You’re in for a “Tweet”
CSCU is now on Twitter:
• Twitter is a free service that lets you
keep in touch through the exchange of
quick, frequent answers to one simple
question: What are you doing?
• Sign-up for CSCU tweets at
www.twitter.com/CentralStateCU
Do More on the Go
CSCU’s Mobile Banking—GoCSCU
offers account information 24/7 from
your Web-enabled cell phone or
other mobile device. It’s FREE.*
• GoCSCU uses the same
Access ID and password
as Home Banking. Just
go to www.gocscu.org
• Check balances, transfer
funds, view account
history and find the
nearest ATM
Manage Your Accounts Online
Online Central offers immediate access:
• Get account balances and histories
• Make withdrawals, loan payments,
account transfers and more
• Receive FREE eStatements and online
check images
• Use FREE Bill Payer to pay
your bills electronically
Apply for Your
Loan 24/7
Loan Central provides 24/7
online convenience and gives
you an answer in seconds.
Give eServices a try. Go to
www.centralstatecu.org
today!
*Your wireless carrier may
charge your mobile phone
account for Web access.
Need a Tax Break? Think IRA
Lower Your 2009 Taxes with a
Deposit to an IRA
An IRA is a great way to save and cut your
tax bill* at the same time. Contribution
limits for 2009 are:
• Traditional and Roth IRAs
Contribute up to $5,000 per person or
$6,000 for individuals who are 50+.
• Coverdell Education Savings Accounts
Make non-deductible contributions up
to $2,000 per child annually until the
child reaches age 30 (must meet certain
income requirements).
IRAs at CSCU Offer a
Worry-Free Way to Save
IRAs at CSCU are insured up to $250,000
by the NCUA, an agency of the federal
government. CSCU offers IRA Savings and
Certificate options. For information and
current rates, call (209) 444-5300, visit
www.centralstatecu.org or stop by a
CSCU branch.
*Check with your tax advisor regarding your specific
situation.