Rates
Loans
Maximum
APR
Term
As Low As
Published by:
First California
Federal Credit Union
2525 East Shields Avenue
Fresno, California 93726
Phone: (559) 226-8282
Toll Free: 1-877-542-0003
Fax: (559) 228-0758
Hours: Monday-Friday:
10:00 a.m. - 5:30 p.m.
Quick-Phone
Audio Response System:
1-800-508-9665
24-Hour Loan Center:
1-800-256-6186
Website & Virtual Branch:
www.firstcalfcu.org
Mortgage Loan Center:
1-888-469-0191
After Hours Call Center:
1-877-886-7709
COST
$1000
Borrowed
Monthly
Payment
New Auto Loans
48 Months . . . . . . . . . . . . . . . . . . 2.49% . . . . . . . . . $21.91
60 Months . . . . . . . . . . . . . . . . . . 2.49% . . . . . . . . . . $17.74
72 Months* . . . . . . . . . . . . . . . . . 2.55% . . . . . . . . . $14.99
Financial Report
As of August 31, 2012
Members������������������������������������������������������������ 8,958
Assets ������������������������������������������������������$75,538,951
*Minimum amount financed $15,000
Deposits����������������������������������������������������$66,796,839
**Minimum amount financed $25,000
Loans������������������������������������������������������� $22,784,465
84 Months** . . . . . . . . . . . . . . . . 3.00% . . . . . . . . . $13.21
Used Auto Loans (2003 or newer)
48 Months . . . . . . . . . . . . . . . . . . 2.75% . . . . . . . . . $22.02
72 Months* . . . . . . . . . . . . . . . . . 2.99% . . . . . . . . . $15.18
*Minimum amount financed $15,000
Capital�������������������������������������������������������� $8,314,189
RV Loans
New RV – 60 Months . . . . . . . . . 5.40% . . . . . . . . . $19.06
Used RV – 60 Months . . . . . . . . 6.50% . . . . . . . . . $19.57
Boat Loans
New Boat – 60 Months . . . . . . . . 5.50% . . . . . . . . . $19.10
Used Boat – 60 Months . . . . . . . 6.00% . . . . . . . . . $19.33
Personal Loans
48 Months . . . . . . . . . . . . . . . . . . 10.25% . . . . . . . . . $25.48
Home Equity Loan Fixed Rate
7 Years . . . . . . . . . . . . . . . . . . . . 6.49%
15 Years . . . . . . . . . . . . . . . . . . . 7.40%
Visa Credit Card . . . . . . . . . . . . . 15.49%
Is a New or Used Vehicle In Your
Future?
APR = Annual Percentage Rate. All loans subject to credit approval.
The Annual Percentage Rate on designated loan types will be
determined by: 1) The credit history of the applicant(s), 2) The terms
of the loan, and 3) The dollar amount financed. All loan rates subject
to change without notice. Other rates and terms available. Certain
restrictions may apply.
Loans also available for: New & Used Motorcycles, Personal
Computers, Mortgages, Home Equity Lines of Credit, Share Secured
VISA, Share Secured Loans, and Certificate Secured Loans.
Credit Union Values – Dealership Convenience
When shopping for a new vehicle, tell the dealer
you want CUDL Financing with credit union low
rates.
www. c udl. c om
Buying or Refinancing a Home?
For a Credit Union Mortgage, Call: (888) 469-0191
Pre Qualification
Free Comprehensive
Mortgage Advice
Plus Many More Options
American
Share
Insurance
FALL 2012
Service line
Bank the Credit Union Way
First California Federal Credit
Union Document Shred Day
Saturday, October 20, 2012 • 9 a.m. to 12 p.m.
Back by popular
demand, First California
Federal Credit Union
will be having another
Document Shred Day.
It’s frightful to think
of someone stealing
your identity. You can
protect your identity
when you get rid of
old documents the
right way…at First
California Federal
Credit Union’s
“Document Shred
Day.” We’ll have a truck onsite to shred
your documents for you. It’s FREE! Plus,
the shred will benefit the Fresno Chaffee
Zoo for animal habitat enrichment. It’s a
great community service too!
There’ll be mega fun onsite with Mega 97.9
Radio station. Mega will be here from 10
a.m. – 12 p.m. playing your favorite tunes.
And, you don’t want to miss your chance to
win tickets to The Grove Haunted House.
Free shredding is limited to 3 banker size
boxes. Have more? We’ll shred up to an
additional 5 boxes for a donation of $3 to
Fresno Chaffee Zoo for each additional box.
While you’re here, ask for your “Free Child
Admission with Paid Adult” coupon from
Fresno Chaffee Zoo. That equals more fun
for you.
Save the date and plan to come to
First California Federal Credit Union’s
“Document Shred Day”!
2525 East Shields Avenue
Fresno, California 93726
In this issue
“First California Federal Credit Union is your Financial
Connection” serving Active and Retired Federal
Government Employees, Military, Business Partners and
Qualifying Family/Household individuals working or
living in Fresno County.
Ultimate Tailgate Used Auto Sale
Tax Tips For You
Annual Meeting Announcement
Board of Director News
You’re Invited!
Shopping For A Home? We Can Help Your Dreams Happen
PRSRT STD
U.S. POSTAGE
PAID
FRESNO, CA
PERMIT NO. 1920
Tax Tips For You
Tune Up Your Living Trust. It’s a
good idea to review living trusts with
an attorney every couple of years.
With a trust, estates don’t face probate after a death. Maybe. “Maybe”
because items clearly belonging to the
trust are protected. If you bought or
sold property, or opened a new bank
or brokerage account, the form of title
is critical. If family or wishes have
changed the trust needs changes. If
you moved to another state you may
face different laws. Even without
moving, your state’s laws may have
changed.
Identity Theft To Slow Refunds.
IRS says they’ll take steps next year
to reduce tax-related identity theft.
Thieves who learn a person’s social
security number file tax returns in
January claiming refunds. The scam
is not noticed until your actual return
“bounces” at IRS – they already have a
return! Next year IRS will take more
steps to stop phony refunds. This will
slow down the processing of returns,
and the issuing of refunds.
Track College Costs. If your youngster will be in college this September,
please remind them to keep track of
books and supplies. We may claim
all costs for classes, down to pens and
pencils, copy fees at the library, and
new software to comply with a professor’s special requirements. Part of the
on-line fees or even the new computer
may count. Convince the student to
keep records. You’ll save money!
FICA Withholding To Increase. If
you have social security taxes withheld
at work, expect less take-home pay in
January. We are in the second year of
a 2% reduction of your FICA withholding. That’s the “retirement” part
of social security. Today 4.2% of your
first $110,100 of earnings goes for
this tax. The number is set to become
6.2% in January. If you earn $52,000,
that’s a $20 weekly decline in takehome pay. There’s talk of an extension, but I’ll believe it when I see it.
Extensions Expire October 15. A
few of you still have not filed for 2011.
Please make an effort to find the missing information. We have little time
left. In most years I am not quite as
busy this time of year. 2012 is very
different! I expect to have more taxplanning work with clients who are
confused over new rules. At the same
time, I want to give my full attention
to your return. I want to keep your
taxes to the absolute minimum.
Tax News & Tips, San Diego CA – Copyright 2012
You’re Invited!
2013 - new year, new tax laws right?
Yes, that would be correct. If you’re
hoping to stay on top of the new
tax laws, FCFCU can help. First
California Federal Credit Union will
be presenting a Tax Workshop to
help answer your questions and let
you know about the latest changes.
When:
Where:
Time:
We’ll also have information on estate
planning. So mark your calendar
and plan to be there.
Seating is limited. Please RSVP by
Nov. 9, 2012 to Earline Kilpatrick at
559-226-8282, ext. 616.
Wednesday, November 14, 2012
Woodward Park Regional Library
944 E. Perrin Ave. • Fresno, CA 93720
6:30 – 8:30 p.m.
Ultimate
Tailgate Used
Auto Sale…
Did you miss the summer auto
sale? Are the new 2013 models too
expensive? Now you can choose a
“new to you” vehicle at the “Ultimate
Tailgate Used Auto Sale.” First
California Federal Credit Union &
Enterprise Car
Sales are
pulling out
all the stops
to bring you
great low rates
and great low
prices. FCFCU
is offering our
members rates
as low as 1.99%
APR. And
remember, 2009
– 2012 vehicles
qualify for new auto rates. That’s
additional savings for you. Enterprise
will appraise your trade-in using the
Kelley Blue Book and add $500.00
when you purchase your next vehicle
from them. This offer is a win/win
deal so don’t miss out on this great
opportunity. Visit Enterprise Car
Sales at 6187 N. Blackstone Ave. on
October 20 – Nov. 3, 2012 only
and drive away in the vehicle of your
choice!
APR = Annual Percentage Rate. Rates as low as 1.99% APR for 60 months. You
pay just $17.52 for every $1000 borrowed with a 60 month term. Up to 120%
financing available including Tax, Title and License.Financing for qualified First
California Federal Credit Union members. Not all buyers will qualify. Actual rate
may vary based on credit worthiness. Offer valid 10/20/12 – 11/3/12. This offer
cannot be combined with any other offer. Kelley Blue Book Trade-In Values used
by Enterprise are obtained from © 2012 Kelley Blue Book Co.’s website KBB.com.
Kelley Blue Book Trade-In Value is based on accurate condition rating and mileage of vehicle. Accurately appraising the condition of the vehicle is an important
aspect of determining its Kelley Blue Book Trade-In Value. If a Kelley Blue Book
Trade-In value is not available for customer’s vehicle Enterprise will provide a fair
and competitive value for customer’s vehicle. Additional trade-in value of $500
is available only on passenger vehicles and light duty trucks, with a Kelley Blue
Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer
is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer
must provide required proof of ownership/registration and all other necessary
paperwork to transfer title. Offer only valid on one trade-in for each Enterprise
vehicle purchase. Restrictions apply. For details, see an Enterprise Car Sales
Manager. Offer void where prohibited including AK, HI, KY, LA, NE, NM, OK, OR,
SC, TX and VA. Offer valid from 10/20/12 – 11/3/12. Used vehicles were previously part of Enterprise short-term rental, lease fleet or purchased by Enterprise
from other sources including auto auctions, with previous use possibly short-term
rental lease or other.
The “e” logo, Enterprise, and “Haggle-free buying. Worry-free ownership.” are
trademarks of Enterprise Holdings, Inc. All other trademarks are the property of
their respective owners. © 2012 Enterprise Car Sales. D00859 SS 09/12 KD
Annual Meeting
Announcement
The Credit Union’s Annual Meeting
is scheduled for March 21, 2013 at
7:00 p.m. in the Credit Union lobby.
Nominations are currently being
accepted for the Credit Union’s Board
of Directors. Petitions for nomination
can be obtained through the Credit
Union Office. The deadline for
nominations is Friday, Dec. 7,
2012. The nomination committee
has nominated incumbents Leroy
Ehresman and Jeffrey J. Lodge.
Board of
Director News
The Board of Directors would
like to announce the retirement
of President/CEO Deborah L.
Taylor on Sept. 7, 2012 after 38
years of dedicated service. Her
successor is Dianne Edwards
who has previously served as
Vice President.
Volunteer
Where You
Can Make a
Difference!
First California Federal Credit
Union is looking for volunteers
to ser ve on t he Boa rd of
Directors and the Supervisory
Committee. If you are interested
in volunteering for either of
these positions, please contact
Dianne Edwards at 559-2268282, ext. 631 for an application
and answers to any questions
that you might have.
Shopping for a Home?
We can help make your
dreams happen.
Buying a home should be a happy,
rewarding experience, and we’re here to
make that happen. We have low rates and
personalized service to get you going.
Our friendly loan consultants can help
you choose the right options. For answers
to your questions or for current rates, call
1-888-469-0191. Also, ask about FHA
programs.
Thoughts for the Quarter:
Holiday Closings
“A true leader has the confidence to stand alone, the courage to
make tough decisions, and the compassion to listen to the needs of
others. He does not set out to be a leader, but becomes one by the
quality of his actions and the integrity of his intent.”
– Anonymous
Veterans Day
Monday, November 12, 2012
“To get the full value of a joy, you must have somebody to
divide it with.”
– Mark Twain, Writer
Thanksgiving Day
Thursday, November 22, 2012
Christmas Eve
Monday, December 24, 2012 (Closing at 1:00 p.m.)
Christmas Day
Tuesday, December 25, 2012
New Year’s Day
Tuesday, Janurary 1, 2013