SDCCU in the Community
Broadway/SD Season Sponsor
SDCCU Annual Business Meeting – February 27
SDCCU is proud to sponsor Broadway/San Diego. Purchase
discount tickets to select shows by visiting sdccu.com/
discounts. A portion of the ticket sales will benefit local nonprofit organizations.
The Annual Business Meeting, to be held at SDCCU’s Operations
Center at 6545 Sequence Drive, February 27 at 4 p.m., will
include the approval of the 2016 meeting minutes, reports
from the Board of Directors and Supervisory Committee as
well as election results. 3 members of the Board of Directors
and 2 members of the Supervisory Committee will be elected.
The Nominating Committee recommends: Richard Collins,
Patricia Honeycutt and Steven Reuel for the Board of Directors.
In addition, the Nominating Committee recommends: Paul
Hubbard and Joe Kobryner for the Supervisory Committee.
San Diego State University Aztec Basketball Sponsor
SDCCU is a proud sponsor of the 2016-2017 season of San Diego
State University Aztec Basketball. For more information, visit
goaztecs.com.
SDCCU Classroom Heroes
SDCCU is committed to helping teachers, parents and students
make educated financial decisions by delivering the BEST
financial education, products and services. SDCCU is engaged
in several philanthropic efforts aimed at improving overall
economic well-being and making a positive difference in our
local schools. To learn more, visit sdccu.com/classroomheroes.
Countywide Spelling Bee – March 23
San Diego County Credit Union is returning as a proud sponsor
of the 2017 San Diego Union-Tribune Countywide Spelling Bee,
presented in collaboration with the San Diego County Office
of Education. The annual San Diego Union-Tribune Countywide
Spelling Bee will take place at the Hall of Champions in Balboa
Park on Thursday, March 23, 2017.
Proxy Notice
This proxy notice is provided to all SDCCU members who
have executed a voting proxy. Notice is hereby given that the
nature of each matter or group of related matters on which the
voting proxy may be voted by the proxy holder for the Election
of Directors, Election of Supervisory Committee members,
Amendments of the Bylaws of SDCCU, except as prohibited by
law and any other matters which may properly arise at either
the Annual Meeting or any special meeting of the members.
For more information on SDCCU’s community support, visit
sdccu.com/community.
the proud sponsor of the Ben Vereen Awards—a two-part
competition for high school students who are talented in
musical theater, including vocal, dance and acting performance.
The local competition will bring semi-finalists together to
compete on Sunday, May 28, at the Balboa Theatre.
SDCCU will be closed to observe:
New Year’s Day – January 2
Dr. Martin Luther King, Jr. Day – January 16
Presidents Day – February 20
Enjoy 24/7 account access with over 30,000 surcharge-FREE
CO-OP ATMs, online and mobile banking at sdccu.com.
Compliments & Complaints
sdccu.com
SHELL
Printed on
recycled paper.
®
®
2 Points Per $1 • No Foreign Transaction Fee
Inside:
We welcome your feedback as we strive to provide you with WOW service. Please send all compliments & complaints to PO Box 261209, Attn:
Compliments & Complaints, San Diego, CA 92196-1209.
Federally insured by NCUA
Equal Housing Opportunity
NMLS #580585
SDCCU
Visa Signature
Introducing the
Holiday Schedule
Ben Vereen Awards – May 28
Held in collaboration with Broadway/San Diego, we are
$7.8 Billion Strong • Winter 2017
Live
Chat
Equal Opportunity Employer
For more information on products & services, visit us at sdccu.com, call us or stop by any of our convenient branch locations.
(877) 732-2848
TurboTax®
SDCCU Mobile Wallet
Sell More with Square®
Financial Lessons from Elections
Financial Wellness Wednesdays
From the desk of George Chamberlin:
Introducing the
Financial Lessons from Elections
SDCCU Visa Signature
Earn UNLIMITED 2 Signature Rewards points per $1 spent on net purchases
Redeem for event tickets, gift cards, travel and merchandise
10,000 bonus points1
No foreign transaction fee
Additional card benefits include:
§
Travel and auto rental insurance
§
Complimentary 24-hour Visa Signature® Concierge
Apply today!
Apply online at sdccu.com, at (877) 732-2848 or visit
any of our convenient branch locations and, upon
approval, walk out with your card same day.
§ View your FICO® Score in Internet Branch2
Subject to credit approval. No annual fee for the first year, $89 thereafter. See Benefit Guides and Terms and Conditions for details. 1Receive a one-time bonus
award of 10,000 points when $3,000 is spent on net purchases with your SDCCU Visa Signature within the first 90 days following the enrollment date. 2FICO
Score available for primary member with an active loan in good standing.
Sell More
with Square
SDCCU Wallet
SDCCU
Accept Credit Cards Anywhere
Start accepting credit cards today!
Never mind who won or lost the election in November, there are
several economic and investment lessons to be learned. Many
people tried adjusting their stock portfolios before the vote in
anticipation one or the other candidate would win the White
House. Despite years of experience showing the foolishness of
trying to time the short-term direction of the markets, most of
them were caught in the wrong place at the wrong time.
What we learned was, as the old expression goes, never fight the
tape. When stocks want to go up, as has been the case before
and since the election, they will go up. And, when stocks want to
go down, they will. You will never pick up the Wall Street Journal
and see the headline, “Rally starts tomorrow.”
One of my favorite reminders of the stock market performance
was learned a few years ago when I was watching a show
with my granddaughter, Sophia. During a break they showed
a vignette with a young boy who had successfully climbed
Mount Everest and several other big mountains. He pointed out
climbers do not go up in a straight line. Rather, they move up the
mountain each day and then go back down to camp to acclimate
to the rare air. The same could be said about investing in stocks.
They do not go straight up but need to go back down a bit when
prices reach uncharted territory.
The other lesson we are learning after the election is the reality
that interest rates are ready, after nine years of lingering at
historic lows, to begin moving higher. As expected, the Federal
Reserve boosted short-term rates at the meeting in midDecember. Many want to be homebuyers are closely watching
mortgage rates with fear they may spike sharply higher. It looks
like the 30-year fixed rate mortgage loan will soon top 4.0
percent. Students of economic history will remind others that
rates are still at very, very low levels and likely will stay there for
quite some time. Imagine back to September 1981 when the
mortgage rates were at 18.5 percent. Even then, people were
buying homes and very glad they did regardless of who resided
in the White House.
§ 2.75% per swipe - no commitments or monthly fees
§ Works with iOS and Android™
§ Get paid fast: payments deposited in 1-2 business days
§ PCI compliant - your data is secured and encrypted from
swipe to settlement
Mobile Cash Access
SDCCU Wallet is a secure, easy way to get cash at
SDCCU ATMs without your debit card. Download it
today in the App Store®.
Message and data rates may apply.
Financial Wellness Wednesdays
Square Readers are available for pick up at all SDCCU branches.
FREE processing on $1,000 in sales for new users!3
iPhone® and iPad® are registered trademarks of Apple Inc. Android is a trademark of Google, Inc.
Square charges 2.75% for all swiped transactions including Visa®, MasterCard®, Discover® and
American Express®. 3.5% + $0.15 for manually entered transactions. Providers are not affiliated
with SDCCU. 3Limited time offer valid only for new Square customers and is not transferrable.
Valid for first 180 days. Waived processing fees are reimbursed to your account on each deposit.
Enroll in eTax Forms
Don’t worry about scrambling to find your tax forms during tax time! Just log into online banking to view or print your tax forms quickly
and easily. To get your tax forms online next year, enroll in eTax Forms today! Let SDCCU and TurboTax® OnlineSM help you get the largest
refund possible with minimum effort. Plus, have your refund deposited directly into your SDCCU account in just a few days. To get
started today, visit sdccu.com.
SDCCU is proud to partner with the County of
San Diego in support of Live Well San Diego to bring
Financial Wellness Wednesdays to community libraries
throughout the county. The public is invited to learn
from SDCCU representatives on a range of topics,
including how to build a better budget, understanding
credit reports and preventing identify theft and scams.
For a complete list of presentation topics, library
locations and dates, visit sdccu.com/financialwellness.
Topics Include:
◾ Building a Better Budget
◾ Rebuilding After a Financial Crisis
◾ Repaying Student Loans
◾ Teens & Money
◾ Ten Steps Toward Financial Success
◾ Understanding Credit Reports,
Preventing Identity Theft & Scams