Torrance Community
Credit Union’s
Recipes for
Financial
Success
FinanciaLink
Summer Edition – 2013
Wendy’s Don’t Be Chicken to
Know Your Credit Score Chicken
Enchiladas with Green Sauce
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Food. For Thought.
Heather’s Healthy, Wealthy and
Wise Oatmeal Cookies.
IS YOUR ATM CARD AT RISK?
In spite of the millions of ATM transactions that take place every day, only .05% of all funds processed
are fraudulent. And, despite various news stories about large-scale debit card fraud in recent
months, actual losses from these activities were even less than those from ATM transactions.
ATM and debit card security doesn’t happen by accident.
Torrance CCU works around the clock with
CO-OP Financial Services to combat ATM and
debit card fraud, using cutting edge systems to
detect suspicious transactions and thwart
scammers—all in ways that the average user
never detects.
“The good news is that we don’t see ATM and debit
card fraud as being out of control,” says Tillie
Broadstone, Operations Manager. “On the contrary,
TCCU and our partner, CO-OP Network, employ a
range of state-of-the-art technologies and tactics to
keep ATM fraud to remarkably low levels.”
“At the same time, we take a zero tolerance approach to
fraud,” Broadstone continues. “We consider security to
be a huge priority, and we’re glad to be partnering with an
industry leader in protecting our members’ money.”
Your TCCU ATM and debit card transactions are monitored constantly for potential fraud. Though you probably don’t
want to know about the underlying mathematical models and “neural network” technology, you
might like to know that the following activity patterns may signal fraud and can cause your account
to be flagged:
• You suddenly post more frequent, lower-dollar-amount transactions.
• Your card’s magnetic strip is missing a security code (indicating a potential fraudulent card).
• Online or phone transactions attempted without the correct three-digit security code.
• The name on the card does not match the name on your account.
• Your card transactions have exceeded the daily withdrawal limit.
• Expiration date on your card does not exactly match the date on file.
• The card in question has not been activated.
If this happens to you, or you have any questions about the use of your debit card, contact us at
310.618.9111. We will help you establish – or re-establish – your account so that it works seamlessly
and securely. And remember:
3
- Don’t Share your PIN with anyone.
- Shield the number pad when transacting at an ATM.
- Be alert to unusual equipment at ATMs.
- Alert the Credit Union immediately if you suspect fraud.
Stay vigilant to avoid being a victim of ATM fraud!
Recipe by Heather Riley, Loan Officer
Ingredients
• 2 Cups quick oats
• 2-3 ripe mashed bananas (depending on size)
• 1/3 cup natural applesauce
• 1/4 cup almond milk
• 1 tsp cinnamon
• 1 tsp vanilla
• 1/2 cup raisins (optional)
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Directions
In a bowl, mix all ingredients together. Place on a cookie sheet in teaspoon size heaps. Bake at
350 for 12 -15 minutes or until done (ovens vary). Other optional ingredients: Chia seeds, dark
chocolate chips, walnuts, shredded coconut.
Lose Rate Fast
This Summer!
Shed those unwanted rates with the proven TCCU
“Lose Rate Now” instant fix plan. In less than 24
hours you can be a full 2% lighter!
If you are paying more than 1% for your auto loan, we
can probably save you money every month, and hundreds if not
thousands, of dollars in interest over the life of your loan!
Call 310.618.9111, come in to the branch, or visit www.torranceccu.org and click
on the auto loan icon at the top of the page and you are ready to roll! Literally!
Get your auto loan in shape for summer with TCCU’s Extra Lean, Reduced Rate Auto
Loans. In your grocer’s freezer!
4
App-etizers! Available in the Apple App store or Android Market
Money Mobile –
Make a budget and see all your accounts at once!
Nancy’s Let’s Taco ‘Bout
Money Taco Soup
TCCU Mobile Banking App –
Make transfers and access remote deposit!
Recipe by Nancy Whitehead-Smith, Marketing Manager
CU Swirl –
Find an ATM easy as apple pie!
Ingredients
• 1 16 oz can of pinto beans - drain and rinse
• 1 16 oz can white beans (cannellini) - drain, rinse
• 1 16 oz can stewed tomatoes
• 1 16 oz can Mexican stewed tomatoes
• 1 can whole kernel corn - drain and rinse
• 1 small packet dry ranch dressing mix
• 1 packet taco seasoning mix
• 1 lb ground turkey
• 1 medium onion - chopped
• water
• salt and pepper to taste
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Recipe by Betty Sessions, Credit Department
Directions
Ingredients
Brown the ground turkey, adding the chopped onion about halfway through. In a big pot, add
all the tomatoes, beans, corn, and taco seasoning mix. Add enough water to make it “stewy” or
more, if you want it more “soupy.” Bring to a boil then reduce heat and add the meat, onions
and ranch dressing mix. Add more water if you like. Simmer for 20 minutes, stirring occasionally.
Optionally, serve with cheese or sour cream or crunched tortilla chips on top. Super easy,
makes a lot, and it’s low-fat (without the cheese or sour cream) and high protein.
• 1 Small butternut squash (about 1 lb)
• 3 tart green apples
• 1 medium onion
• 1/4 teaspoon dried rosemary
• 1/4 teaspoon dried marjoram
• 4 cans chicken broth
• 2 slices white bread
• 1 teaspoon salt
• 1/4 teaspoon pepper
• 1/4 cup heavy cream
• Chopped fresh parsley
We’ve Whipped Up Some Delicious New HELOC
Rates! 2.75% APR* for 12 months!
A Home Equity Line of Credit from TCCU – with your low rate and tax
deductible interest** – may be the smartest way to finance all your summer
to-dos! Borrow as often as you like and only pay interest on what you
borrow. Once your loan is funded, you don’t even have to come to the branch
to get your money. Transfer funds through HomeBanking, by phone, or even
on your internet connected phone or device with our mobile banking! Call
the loan department today at 310-618-9111 option 1.
5
Betty’s ‘Butternut’ Be Late on Your
Payments! Squash and Apple Soup
(Great for a Cozy, Debt-free, Dinner)
*APR= Annual Percentage Rate, with a floor of 3.00% APR **See a tax professional for details.
Betty
Says:
Set up
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Directions
Cut the butternut squash in half. Scoop out seeds. Peel, core and chop apples. Chop onion.
In a large sauce pan combine all the ingredients except the cream and parsley. Bring to a
boil. Simmer, uncovered for 45 minutes. Remove the butternut squash, discarding peel. Add
pulp back to mixture and puree several batches in blender until smooth. Return mixture to
saucepan and bring to a boil. Just before serving, mix in the cream. Serve hot and garnish
with the parsley. Serves 8. Note: This soup is also good served cold, but add more cream.
6
Steve’s Better Than Dividends
Dark Chocolate Mousse
Recipe By Steve Stoppel, CEO
Ingredients:
• 1 (12.3-ounce) package silken tofu drained
• 3 ounces high quality bittersweet chocolate finely chopped
• 1/4 cup unsweetened cocoa powder pref. Dutch-processed
• 1/4 cup water
• 1 tablespoon brandy
• 1/2 cup plus 1/2 teaspoon superfine sugar
• 1/4 cup heavy cream
• 1 1/4 teaspoons shaved chocolate
Directions:
In a blender or food processor, puree the tofu until it is smooth.
Put the chopped chocolate, cocoa powder, 1/4 cup water and brandy in a saucepan or heat-proof
bowl fitted over a pot containing 1-inch barely simmering water. Stir frequently, until melted
and smooth. Remove from heat. Mix in 1/2 cup of sugar, a little at a time, until smooth.
Add the chocolate mixture to the tofu and puree until smooth and well blended. Spoon the
mousse into serving dishes, cover and refrigerate for at least 1 hour.
Whip the cream with a beater. When the cream is almost completely whipped, add the remaining
1/2 teaspoon of sugar and finish whipping. Top each serving with a dollop of whipped cream
and a sprinkle of chocolate shavings and serve.
A healthy
Steve’s top 5 tips:
Credit Score
- Pay down your credit cards
can increase
- Build a solid credit history
your buying
- Move revolving debt to installment debt
power
and
- Slow down on opening new accounts
get you
the
- Do not close credit cards (unless there’s an annual fee!)
best rates!
7
Deep Discounts on Auto Coverage Extras
Are Just Icing on the Cake!
There is more to complete auto coverage than just auto insurance. Auto insurance only covers
financial issues arising from damage to your car. But there are so many other
situations that can, and will, arise when you own an automobile.
And, there are additional coverage types to protect you.
Usually they are sold at the dealership, but who will
protect you from the dealer, who jacks up the price to
increase the profit on their sale? TCCU – that’s who!
We offer the same coverages at a fraction of the cost
that you’ll find at the dealer. Take a look:
MBP – Mechanical Breakdown Protection
Your regular auto insurance probably doesn’t cover
mechanical breakdown repairs, like a new water pump, or
transmission, but you can get this coverage at the Credit Union for
much less than the dealer’s extended warranty. It can save you thousands in the long run!
ADR – Auto Deductible Reimbursement
It’s like insurance for your insurance! If you have a deductible, (and who doesn’t?), ADR can
cover part or all of your deductible for any insurance claim that exceeds your deductible.
GAP – Guaranteed Asset Protection. Now with ADR included!
If you owe more on your vehicle than your insurance company covers in a total-loss claim,
GAP pays the difference for a low cost one-time fee. The Credit Union offers this coverage at
a dramatic savings compared to the dealers.
Call TCCU’s loan department to get the skinny on all our delicious loan products and
services! Just punch 310-618-9111, option 1.
“Culinary Quotations!”
“Moderation in all things, except chocolate.”
– Unknown
“There is no sincerer love than the love of food.”
– George Bernard Shaw
“Knowledge is knowing a tomato is a fruit;
wisdom is not putting it in a fruit salad.”
– Miles Kingston
“I come from a family where gravy is considered
a beverage.”
– Erma Bombeck
“You better cut the pizza in four pieces
because I’m not hungry enough to eat six.”
– Yogi Berra
“I cook with wine, sometimes I even add it
to the food.”
– W. C. Fields
8
Travel with Peace of Mind –
It’s a Piece of Cake!
Diana’s
7Up-Grade-Your-Car
Berry Strudel
Well, technically plastic! Our re-loadable Visa®
Travel Card offers you the best of both worlds: the
safety of traveler’s checks and the convenience of a
plastic card. It’s not tied to your checking account
or savings account so if it’s lost or stolen, there’s no
risk to you.
Recipe by Diana Wall, Loan Officer
Ingredients
The Visa travel card comes with Zero Liability protection, for your security and
it’s much safer than carrying cash. If it’s lost, your card will be replaced on an
emergency schedule.
• 13 x 9 Pan
• 2x 16oz bags of frozen fruit
• 1 box of white cake mix
• 12 oz. Diet 7-up
Each registered card includes 90-day purchase protection, travel and emergency
assistance, and even reimbursement if your luggage is lost! With this card you can
have your cake and eat it too.
Directions
Preheat oven to 350 degrees. Pour the frozen fruit into the bottom of the pan. Sprinkle the white
cake mix evenly over the fruit. Pour the diet 7-up evenly over the white cake mix. DO NOT MIX.
Easy Online Management – track your spending, check your balance, or re-load your
card in amounts from $100 to $5,000. You can use your card at merchants and ATMs
worldwide – anywhere Visa debit cards are accepted.
Cover and bake for 20 minutes. Uncover and bake for another 40 min.
Remove from the oven and let it cool, then enjoy!
You can also get U.S. or foreign local currency at ATMs as you travel. Call or come
in to the Credit Union for more details. While you’re there, you can purchase the
card for $7.95. See the credit union for more details.
You know it’s time fo
r a new car
when the rates are as
low as
0.75% APR* and your
car is not
as delicious as it used
to be!
Dashes and Pinches and Smidgens. Oh My!
SMIDGEN – A smidgen holds 1/2 pinch or 1/32 teaspoon. 2 smidgens = 1 pinch.
PINCH – A pinch holds 1/2 dash or 1/16 teaspoon. 2 pinches = 1 dash. A pinch has
historically been defined as “an amount that can be taken between the thumb and
forefinger” but without any definite equivalent in other units of measurement.
DASH – A dash holds 1/8 teaspoon. 8 dashes = 1 teaspoon. A dash was
originally considered a liquid measure, a small but indefinite amount.
More recently the term has been used as both a liquid and dry measurement.
NOTE: There is some contention as to just how much a pinch or dash actually
is. Some contend that they are both equal to 1/16 teaspoon, while others claim a pinch
equals 1/16 teaspoon, but a dash equals 1/8 teaspoon.
9
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Current Rates
New and Used Auto Loans APR Platinum MasterCard
30-year Fxed Rate mortgage 15-year Fixed Rate mortgage Regular Share Share Draft
6 month Certificate 12 month certificate as low as 1.65% APR*
8.9% to 18% APR
4.500% APR, 4.627% APY**, 0 points
3.500% APR, 3.771% APY, -2.50 points
0.10% APR
0% APR
0.21% APR
0.33% APR
*APR= Annual Percentage Rate **APY = Annual Percentage Yield. Rates quoted effective 6/30/13. Rates subject to change without notice.
10
Happy Cooking, Happy Eating, Happy Banking!
Torrance Community Credit Union
2377 Crenshaw Boulevard, Suite 150, Torrance, CA 90501-3344
www.torranceccu.org
Toll-free: 866.618.9111 Local: 310.618.9111
TeleTeller: 866.782.3937, or 310.782.3937
Fax: 310.782.1732. 24/7 CU Service Center: 866.692.8669
We are open:
Monday – Thursday: 9:30 a.m. to 5:30 p.m. Friday: 9:30 a.m. to 6 p.m.
Saturday and Sunday: Closed
24 hour access: www.torranceccu.org
CU Service centers: www.cuswirl.com.
We will be closed:
Independence Day – Thursday, July 4th, 2013
Labor Day – Monday, September 2nd, 2013
We Belong To You