Central State Credit Union news central Be Kind to Your Wallet with a Budget-Friendly Car Do you want a car that gets at least 40 MPG? If you’re nodding your head, then check out the Best Fuel Efficient Cars for 2012 from SuperCars.org. Budget-Friendly Auto Rates as Low as 2.99% APR CSCU offers low rates for new and used vehicles, along with: • Terms up to 84 months on loans of $10,000+ • New car financing up to 125% of MSRP, plus tax, license, warranty and GAP • Used car financing up to 120% of Kelley Blue Book, plus tax, license, warranty and GAP on model years 2008 and newer • Print out your Pre-Approval Certificate and take it with you to the dealer who has your vehicle at the best price (which you can find on AutoSMART!). • Once you’re ready to buy your car, give the dealer your certificate. There’s no need to fill out any more paperwork for your loan. There are also new AutoSMART apps for your iPhone and Android, available at your app store. Pre-Approval and AutoSMART Create a Better Car-Buying Experience Buddy up with AutoSMART and our easy online pre-approval process to buy the right car at the right price. Here’s how: • Apply for your auto loan in minutes. Winter 2012 CSCU’s 76th Annual Meeting Our Annual Meeting will be held on Thursday, February 23 at 6 p.m. in the lobby of our Center St. Branch. We hope to see you there! Mark Your Calendar for Our Annual Shred-a-thon! Member Benefit Day Is May 12 from 11 am to 2 pm! If one of your New Year’s resolutions is to clean out your old files and paperwork, then Member Benefit Day can help you do just that! We provide a FREE way to safely destroy your obsolete personal documents, enjoy refreshments and visit with CSCU business partners. Visit our Website and Facebook page for details as the date draws closer. Three Cheers for FREE eServices! Hooray for Online Banking with Bill Payer! • With Online Central Internet Banking you can get immediate access to account balances and histories, make withdrawals, loan payments, account transfers and more! • Go stamp-less and pay your bills electronically with FREE Bill Payer Yippee for eStatements! • Receive FREE eStatements. They’re faster, more secure and better for the environment. It’s easy to sign up! Woohoo for Mobile Banking! • Check balances, transfer funds and find the nearest ATM, all from your Webenabled smartphone or other mobile device with GoCSCU. • Watch for NEW program features coming soon, which will be very user-friendly and offer more features. Sign up for FREE eServices today! *Your wireless carrier may charge your mobile phone account for Web access. Holiday Closings Martin Luther King, Jr. Day Saturday, January 14 and Monday, January 16 Presidents’ Day Saturday, February 18 and Monday, February 20 Wait! Don’t Make an Offer on a Home Until You Have Answers Information Central (209) 444-5300 • (800) 675-5114 Website/Online Services www.centralstatecu.org Mobile Banking www.GoCSCU.org Twitter www.twitter.com/CentralStateCU CALL-24 (Touchtone Banking) 24 hours a day, 7 days a week (209) 943-6803 • (800) 217-4939 Questions to Ask Before You Make an Offer on Your Dream Home It’s important to know the right questions to ask when you find the house you think you want to buy. Answers to these questions will make you feel more confident you’re making the right move, or help you decide if it’s best to walk away and look elsewhere. Loans-by-Phone 24 hours a day, 7 days a week, (800) 811-7424 Lost or Stolen Cards Visa Check/ATM Cards (800) 264-5578 Visa Credit Cards (800) 453-4270 El Dorado Branch (Walk Up and Drive Up ATM) 5242 N. El Dorado Street, Stockton CA 95207 Lodi Branch (ATM) 363 S. Lower Sacramento Rd., Ste. C Lodi CA 95242 San Andreas Branch (ATM) 462 St. Charles Street, San Andreas CA 95249 University of the Pacific ATM McCaffrey Center, Stockton CA California Department of Transportation ATM 1976 Dr. Martin Luther King Jr. Blvd. Stockton CA 95205 Mon.– Fri., 6 am–6 pm (Closed on state holidays; cash withdrawals only) Our friendly mortgage consultants are here to help answer all of your questions regarding financing your home. Once you’re ready to buy, they can help you chose the home loan that’s right for you, including: • FHA loans • Low down payment options • Low closing costs • Jumbo loans for larger purchases • Loan pre-approvals and more! Call (877) 223-9908 to speak to one of our CUSO Mortgage consultants today or visit us online and click on “Open the Door.” Loan Central (60-Second Loans) www.centralstatecu.org Stockton Main Office (Walk Up and Drive Up ATM) 919 N. Center Street, Stockton CA 95202 Come to Us for Answers to Your Home Loan Questions What’s Your Outlook on Retirement? According to a recent survey, where you live has some influence on how you feel about your retirement preparedness. Check out how Stockton and 30 other cities nationwide feel about their retirement outlook. You might be surprised! Open or Add to an IRA by April 17, 2012 to Save on 2011 Taxes Contributing to an IRA will always make you feel better about retirement and can possibly reduce your tax bill.* Contribution limits for the 2011 tax year are: • Traditional and Roth IRAs – Contribute up to $5,000 per person or $6,000 for individuals who are 50+. • Coverdell Education Savings Accounts – Make non-deductible contributions up to $2,000 per child annually until the student reaches age 18 (must meet certain income requirements). IRAs at CSCU are insured up to $250,000 by the NCUA, an agency of the federal government. Contact us for more information and current rates. *Check with your tax advisor regarding your specific situation.