Ashley Mehle
Member
Since 1993
www
Unite, Learn, Grow with CSFCU
Time for a Mortgage Review?
Values are up, rates are down, and spring is in the air. If you’re wondering if your current
mortgage is still working in your best interest, or if now’s the right time to buy your first or
next home, talk to Sergio Miramontes, a trusted mortgage expert from the CSFCU family.
Sergio can provide insight into our local real estate markets and provide helpful answers
to your mortgage questions, such as:
• Can I lower my monthly payments with a better rate?
• Can I get cash out of my home’s equity for home improvements and still pay what I am
paying now?
• How much would my payment be if I refinance my loan for a shorter term?
• How much can I save per month by using my equity to consolidate my credit cards and
consumer debt?
• How much home do I qualify to purchase today?
• I’m over 62, how do I eliminate my mortgage payment with a reverse mortgage?
Your home is one of your biggest investments, so it’s important to do a mortgage review
from time to time to evaluate current rates and market conditions. It’s as easy as picking
up the phone. Call Sergio today at (855) 455-5545.
April 2016
Meet Our Staff
Marivel Krier
Collections
Department
Marivel has served our membership
for a year and a half, working in
the Collections Department to help
CSFCU members reach future
financial success.
“Working at CSFCU has been
rewarding in many different ways.
The staff members I work with are
like a second family, and we work
very well together. Every day is a new
experience.”
In her free time, Marivel cherishes
her family time. “Spending time with
my family is my #1 priority. We enjoy
swimming, playing at the park, and
watching our favorite TV shows
together.”
Welcome to Our
Upcoming Annual Meeting
Fee-FREE CO-OP® ATMs Virtually Everywhere You Go
Did you know that County Schools FCU
provides more fee-FREE ATMs than most
of the big banks? It’s true. As part of the
CO-OP ATM network, we give you access
to over 30,000 no-surcharge ATMs
nationwide—that’s more ATMs than Bank
of America and Wells Fargo combined.
When you include the additional feefree ATMs located inside 7-Elevens,
Walgreens, and Costco locations, you can
rest assured County Schools FCU has
your ATM needs well covered—coast to
coast. To find an ATM near you, use the
ATM Locator on our website!
Even More FREE ATMs Right
Inside Rite Aid Stores!
To make your financial life even easier,
CSFCU continues to expand your access
to free ATMs. Thanks to a cooperative
program with other area credit unions,
you can get cash, transfer funds, and
more at fee-free ATMs inside 15
local Rite Aid stores—from Ventura to
Thousand Oaks. The addresses of these
Rite Aid locations are listed at csfcu.org
under “Services.”
Fee-FREE ATMs at Rite Aid Locations in Ventura County!
Join us for our Annual Meeting
and Elections of volunteer
officials. It’s a great opportunity
to meet and mingle with your
CSFCU management team,
volunteer officials, and staff.
When:
April 20, 2016 at 6:30 pm
Where:
CSFCU Branch
4591 Market Street
Ventura, CA
The credit union’s Board
of Directors, Supervisory
Committee, and our CEO,
John Bagents, will present brief
reports and updates about
CSFCU. We’ll also provide
complimentary refreshments
and raffle prizes. Don’t miss it!
A HELOC Could Help You Save on Taxes!
Home Equity Line of Credit:
The Loan That Keeps on Lending
Has your home’s value increased in recent years? If so, you may be able to put that
equity to work for you. As one of the lowest-cost sources of funds available, a Home
Equity Line of Credit (HELOC) can enable you to unlock that equity. A CSFCU HELOC
offers you an affordable low rate and generous credit limit for:
• Consolidating high-rate card balances into one low monthly payment
• Fixing up your home—inside or out!
• Covering college tuition, books, and student housing expenses
• Taking your dream vacation or anything else on your wish list!
Take Additional Cash Advances as Needed
As you pay down your loan balance, funds become
available to use again and again during the loan’s
draw period. Plus, the interest you pay on your
HELOC may be tax-deductible (consult your
tax advisor for details).
View our current rates and terms or
apply online at csfcu.org. For more
information, call (805) 644-5647.
You can count on CSFCU to provide
knowledgeable and friendly service
every step of the way.
Looking for a Few
Good Men or Women…
Volunteers Wanted!
CSFCU’s dedicated volunteer
Board of Directors and
Supervisory Committee
members help guide County
Schools FCU—in the best
interests of the membership.
If you would like to put your
leadership skills to work, we
would love to hear from you!
Applications for volunteer
positions are available at
csfcu.org and at our office.
CSFCU Hours
Outstanding Teachers…Recognized by the Rotary
Club of Oxnard and CSFCU
Each year, the Rotary Club of Oxnard and County Schools FCU take pride in recognizing
local teachers for their dedication and outstanding service to our communities. Honorees
are selected from the Oxnard School District, the Oxnard Union High School District, and
the Rio School District.
Monday-Thursday: 9:30 am-5:30 pm
Friday: 9:30 am-6:00 pm
Saturday-Sunday: Closed
Access 30,000 CO-OP® Fee-FREE
ATMs, 24/7. Find the one nearest you
at csfcu.org.
Each honoree receives a gift basket, a marble ‘apple for the teacher,’ as well as a
monetary award to help reimburse the many out-of-pocket expenses incurred on behalf
of their students.
Congratulations to These Recent Honorees!
Mr. Doug Dubois has been a science teacher with the Oxnard School District for
many years and a site coordinator for the Magnet Schools grant for the last two. He
has impacted every student’s academic experience at Frank Middle School. He works
tirelessly to incorporate a robotics experience and marine science experiential learning
field trips for his students.
Mrs. Debra Langley is a Special Education teacher at Hueneme High School. She
always puts her students’ needs first, and many return to visit her and thank her for
helping them through their high school experience. She develops close relationships
with her students, who have many obstacles to overcome, and is extremely patient,
understanding, and kind.
Tax Prep Checklist
The April 18th tax deadline is fast approaching.
This tax prep checklist will help you get organized.
Here’s a partial list of the documents you and/or
your accountant or income tax service will need to
file your returns:
W-2
Form from your employer showing
earnings and taxes paid on your behalf.
NEW:
Form 1095 for reporting Health Care benefits received through Covered
California and your health insurance provider.
Form
1099 to report any self-employment income, as well as interest/dividend
income from investments.
Holidays
We will be closed on the
following holidays:
Monday, May 30th
Memorial Day
Monday, July 4th
Independence Day
Stay Connected!
Main Branch
4591 Market Street
Ventura, CA 93003
(805) 644-4657
Touch-Tone Express:
(805) 644-1580 or (800) 737-1205
csfcu.org
Form
1098 from your mortgage company, showing interest paid.
Brokerage Statements documenting profits/losses and capital gains.
Property Tax Bill – Property taxes are a deduction in California.
Closing (Escrow) Statement, if you purchased or refinanced a home during the
2015 tax year.
Tax Notices – Any notices you received from the IRS or Franchise Tax Board.
If you are going to itemize your deductions, it may be best to obtain advice and expert
assistance from a CPA or professional tax service. Many happy returns!
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County Schools FCU
This credit union is
federally insured by the
National Credit Union
Administration.