UPCOMING EVENTS
One Day Car Sale
Saturday, March 11th
WINTER 2017
Annual Meeting
Tuesday, April 25th
Santa Clara County Federal Credit Union
Consolidate
those Holiday
Bills…
Get a Personal Loan
from County Federal
Today!
Rates as low as
5.90% apr*
Loan amounts
up to
$25,000
Terms up to
60 Months
Don’t let all that left over holiday debt ruin your
New Year. Consolidate those bills into one low rate
payment with a Personal Loan from County Federal.
Our Personal Loan offers a fixed rate that is lower than
most credit cards, and a fixed term with low monthly
payments. A Personal Loan is the perfect post-holiday
solution to wrap up those left over holiday bills.
Rates as low as 5.90% APR*. Loan amounts up to
$25,000 and terms up to 60 months.
For more information, or to apply, visit us online at
www.sccfcu.org or contact us at (408) 282-0700.
Don’t get stuck paying high interest rates –
Consolidate and Save.
*APR= Annual Percentage Rate. Rates as low as 5.90% APR, your rate may be higher depending on your credit profile. Personal loan interest rates range from 5.90% to 18.00% APR. All loan policies, rates and
terms are subject to change without notice and all loan requests are subject to Credit Union approval. Terms up to 60 months. Other rates and terms are available. Maximum loan term based on amount financed.
Payment amount per every $1,000 borrowed at 5.90% for 60 months equals $19.30 per month.
One number, FAB FIVE Loan Consultants
WINTER 2017
BRANCH DIRECTORY
Main Telephone Number:
(408) 282-0700/(800) 282-6212
Website: www.sccfcu.org
Saturday, March 11th, 2
017 8am
to 3pm
Almaden Branch*
5353 Almaden Expressway, Suite 65
San Jose, CA 95118
C
ou
nty Feder a
l’s
Branch Manager:
Abraham Valle
Campbell Branch*
Kirkwood Plaza
1638 W. Campbell Avenue
Campbell, CA 95008
Branch Manager:
Michael Mann
City Centre Branch
140 E. San Fernando
San Jose, CA 95112
Branch Manager:
Alma Corrales
You’re invited to attend
the first car sale of the year
Saturday, March 11th, 2017.
East San Jose Branch*
255 N. White Road, Suite 112
San Jose, CA 95127
Choose from a wide selection of the highest-quality
pre-owned vehicles.
Branch Manager:
Jonathan Baltazar
Select from a wide variety of the highest-quality, pre-owned vehicles, including late-model domestic
and import sports cars, sedans, compacts, luxury cars, SUVs, mini-vans, and pick-up trucks. Gilroy Branch*
6915 Camino Arroyo, Suite 50
Gilroy, CA 95020
• Low pre-negotiated prices clearly marked
• Up to 100% financing on approved credit
Branch Manager:
Stephanie Chavez
Hours:
Mon - Thurs 10 am - 5:30 pm
Friday 10 am - 6 pm
*Saturday 10 am - 2 pm
West Hedding Branch
70 West Hedding St. (lower level)
San Jose, CA 95110
Branch Manager:
Tammy Tang
Hours:
Mon - Friday 9 am - 5 pm
Financial Profile
(As of November 30, 2016)
Assets . . . $696,460,005
Loans . . . . $342,760,569
Shares . . . . $623,785,550
Members . . . . . . . 48,630
Routing Number
321176972
Holidays
(All branches will be closed)
Martin Luther King Jr. Day
Monday, January 16th
Presidents’ Day
Monday, February 20th
Cesar Chavez Day
Friday, March 31st
• Trade-ins welcome
• One day only – from 8am to 3pm
Car Sales are held at:
County Federal Corporate Center at 1641 N. First Street.
Brought to you in association with Hendrick Automotive Group.
TurboTax
on the Web
Now filing is faster, easier and just one click away
File your tax return electronically with TurboTax on the Web, the
best-selling online tax preparation software. Your tax refund will be
submitted faster, and processed faster, so you’ll have your money
faster. Your tax refund can be directly deposited into your account,
usually within 7 to 12 days. For more information, visit us online at
www.sccfcu.org.
ONLINE BANKING NOW DELIVERS MORE!
We recently enhanced your Digital Banking experience! Experience
an updated look and feel with easier navigation and new features
that put you in control of your finances.
Here are a few details about the digital banking enhancements:
NEW -Home page to view all your accounts and overall financial summary plus other information to
better manage your finances. NEW -Spendable balance feature to quickly see what money you can spend
and even set aside money you want to avoid spending. NEW -"Inquire about this transaction" feature
to send a secure message about a specific item in your transaction activity - the transaction information
will be added to your message so no more copying and pasting • Set up account alerts directly on the
Accounts Details page so you can stay current on all your account activity • Quick access to Messages
and Alerts via the Welcome Center to view details like how many unread messages you have and alerts
that have been generated since your last login • To ensure the best digital banking experience, be sure
your browser is up to date. The most recent versions are listed below: Mozilla Firefox 48 and newer, MS
Internet Explorer 11, MS Edge, Google Chrome 53 and newer, Apple Safari 8 and newer.
County Federal 2017
Educational Scholarship Program
County Federal will start accepting applications for educational scholarships
on February 1, 2017. Each year County Federal awards up to twelve one-year
educational scholarships to graduating high school seniors and post-secondary
students enrolled in an accredited university or community/technical college full
or part-time. Awards range from $500 for community/technical colleges to $1,500
for four-year colleges. Scholarships recipients will be announced at the end of May
2017. Scholarships are distributed in August prior to the fall semester.
All participating students are required to complete an application, write an essay
and attach a copy of a current high school/college transcript to the application.
Scholarships will be judged on GPA (10%), community and high school involvement
(20%) and an essay (70%).
The following are required of all applicants:
•M
ust be a member in good standing with Santa
Clara County Federal Credit Union
•M
ust be in good standing with their high school/
college; may not be on disciplinary or
academic probation
• Must be a graduating high school senior or
post-secondary student (ages 17 - 25)
• Must have a GPA of 2.5 or higher
• Must be enrolled for a minimum of 6.0 units
(part-time college)
• A letter of Acceptance and Verification of
Enrollment must be provided by July 20, 2017
2017 SEMINAR
S
C
H
E
D
U
L
E
County Federal Corporate Center
1641 N. First Street, 2nd Floor
The New Member Experience
Wednesday, February 22nd at 5:45 pm
Life Skills: Resumé Building
Wednesday, March 8th at 5:45 pm
Life Skills: Job Interviewing Basics
Wednesday, March 22nd at 5:45 pm
Home Buying:
The Changing Market
For more information on our 2017 Educational Scholarship Program and to
download an application, visit our website at www.sccfcu.org.
Wednesday, April 5th at 5:45 pm
Nominations for the Board of Directors
The Nominating Committee has
selected the following candidates for
two vacancies open this year:
Peter Ng
Mr. Ng has served on the Board of
Directors for over 16 years after initially
serving on the Supervisory Committee
for a year. He is currently retired after
29 years of public service with Santa
Clara County, Santa Clara Valley Water
District, and the City of Sunnyvale. Mr.
Ng earned his Bachelors of Science
degree in Business Administration from
San Jose State University.
Eric Goodrich
Mr. Goodrich has been a member
of County Federal since 1988, and
served as a member of the Supervisory
Committee from 1999 to 2004. He
has served on the Board of Directors
since 2005 and also serves on the
Credit Union Services Organization
(CUSO) Board. Mr. Goodrich has been
an employee of the County of Santa
Clara for over 30 years, working for
the Parks and Recreation Department.
He earned a Master of Business
Administration Degree from Humboldt
State University.
Nominating Petitions Welcome
Nominations for vacancies may also
be made by petition. Members have
30 days from the date of this notice
to submit a petition for nomination.
Petitions are to be submitted to:
Nominating Committee Chairman
c/o Marilyn Avalos
Santa Clara County
Federal Credit Union
1641 N. First St., Suite 205
San Jose, CA 95112
Members may direct questions to:
Marilyn Avalos, Director of Strategic
Planning & Executive Communication.
Results of the nominations will be
announced in the Solutions Newsletter,
spring issue.
Identity Theft:
How to Avoid Being a Victim
Wednesday, April 26th at 5:45 pm
Solving the Mysteries
of Credit Reports
Wednesday, May 10th at 5:45 pm
The 2017 Seminar series will resume late summer.
Scheduled dates will be posted in the Solutions Newsletter
2017 summer issue and on our website.
All seminars will be held at Santa Clara County Corporate
Center (1641 N. First Street, 2nd Floor). To register, visit
County Federal Online at www.sccfcu.org and complete a
Seminar Registration Form or call (408) 282-0700. Space is
limited and members will receive priority seating.
ANNUAL MEETING
The 65th Annual Meeting of Santa Clara County
Federal Credit Union will be held on Tuesday,
April 25, 2017 at 6 pm at: Santa Clara County
Federal Credit Union,
Corporate Center,
1641 N. First Street,
25
San Jose, CA 95112.
SANTA CLARA COUNTY FEDERAL CREDIT UNION
Now that the holidays are over, give your budget a little breathing room.
County Federal offers Skip-a-Pay to help when you need it.
What is Skip-a-Pay?
The Skip-A-Pay Program gives you the
option to defer a monthly payment on an
eligible County Federal Loan to the end of
the loan. We advance your payment due
date and your maturity date (for example
on a 48-month loan, if one payments
skipped, you make 48 payments over
49 months) for a nominal fee. All without
impacting your credit rating. It’s
that simple.
Here’s How It Works:
To take advantage of our Skip-A-Pay
Program, visit our website and print out
the Skip-A-Pay Request form. Borrower
(member) and all co-borrowers must sign
the form. Fill out the form completely and
return it to any County Federal Branch or
mail it to: Santa Clara County
Federal Credit Union
1641 N. First St. Ste 170
San Jose, CA 95112
•A
fee of $30 per loan payment skipped
will be added to the loan balance when
the request is approved.
• E ligible Loan types for Skip-a-Pay are:
Auto, Credit Card, Boat, RV, Motorcycle,
Personal, Line of Credit, Computer, and
Share Secured Loans (excluding single
payment option).
• T he loan must have originated at least 6
months prior to the date of the Skipa-Pay Request to be eligible and all
payments must be current on all loans.
•P
ayments can be skipped on each
eligible loan only one (1) time per
calendar year.
• The minimum monthly loan payment
must be at least $100.
• Be sure and read the request form for
the full disclosure.
Take advantage of Skip-A-Payment
today! If you have questions,
give us a call at 408-282-0700
or 800-282-6212 or visit one of
our branches.
Transfer High-Rate Credit Card Balances to Your County Federal VISA – With No Balance Transfer Fee!
Save money by transferring higher rate credit card balances to your
County Federal VISA Credit Card. We’ll waive the cash advance fee, and
you pay the same low rate as you do for purchases (see Credit Card
Agreement disclosure for further information).
For existing County Federal VISA Credit Card:
You can set up your balance transfer through Online Connection
1. Login to Online Connection
2. C
lick the eServices tab
3. S elect Balance Transfers
Or call our FAB FIVE Loan Consultants at (408) 282-0700.
Offer not valid on balances transferred from other Santa Clara County Federal Credit Union loans. Transferring balances will not close accounts with other creditors. To close your accounts with other creditors,
you must contact them. It may take up to 10 days for balance transfer payments to reach other creditors. You should continue to make payments to other creditors to avoid late fees; we will not be responsible for
late or other default-related fees assessed by other creditors. Balance transfers will not be made if they would cause you to exceed your credit limit.
BOARD OF DIRECTORS AND MANAGEMENT
Peter Ng
Dave Cameron
Jennifer Montero
Eric Goodrich
Chairperson
Vice Chairperson
Director
Director
Juan Ledesma
Bill Perrone
Deborah Baker
Michael Delmonico
Secretary/Treasurer
Director
Director
President/CEO
Anita Bedoya
Senior Vice President
Operations
Lynn Kamimoto
Vice President
Risk Management/Compliance
Scott Bolster
Fatemeh Malek
Andrea Boutté
Carol Roccuzzo
Senior Vice President
Finance/IT
Vice President
Marketing/Community
Relations
Find Us on
Facebook
Vice President
Operations
Vice President
Human Resources
Federally Insured by NCUA
The articles and opinions in this
publication are for general information
only and are not intended to provide
specific advice for any individual. We
recommend that you consult your
attorney, accountant or financial or tax
advisor with regard to your individual
situation. Entire publication ©Santa Clara
County Federal Credit Union 2016. All
rights reserved.
©2016 Redbeard®/SCC-1715