. Notice Something Different?.............................................................. 3rd Quarter 2013 Welcome to Valley Oak's first eNewsletter, delivered quarterly right to your email inbox. In addition to being "green," this electronic version of The View offers you a wide network of information. Simply click on the links throughout each article and new tabs will open in your internet browser. Not on Valley Oak's email list? Send an email to marketing@valleyoak.org with the subject line, "Subscribe" to receive The View and other important messages delivered straight to your inbox - all for free! We'll never send you more than four emails per month and your account information remains safe and secure with us. To access The View in a PDF, just click on the header or visit www.valleyoak.org/asp/newsletter.asp. . . New Ways to Bank with Valley Oak . Valley Oak now has new banking methods that add to the convenience of being a member! Check out our new products and services below: . Transfer funds, pay a bill on the go, and set up alerts for yourself with Mobile Banking. Use Online Bill Pay upgrades to receive email notifications and transfer money between financial institutions. With over 6,800 locations nationwide, take advantage of Shared Branching to conduct your transactions almost anywhere (just look for the "swirl" icon at right). Visit www.cuswirl.com to learn more. . 1 Did You Know We Have Money to Lend? . . We have a variety of loans to cover all your needs, as well as great rates and terms that could lower your monthly payments! Stop in today to see how you can benefit from:      Auto Loans as low as 2.00 APR* for new and used cars VISA Credit Cards with fixed rates as low as 8.49% APR* and no annual fee Home Loans for the first-time homebuyer, FHA loans, and second mortgage loans Our Credit Builder/Rebuilder loan A variety of Personal Loans Come by one of our branches or visit www.valleyoak.org for more details. . *APR = Annual Percentage Rate. Rates and terms subject to change. On approved credit. Auto loan rates as low as 2.00% applies up to 66 month term on 2009 or newer vehicles. Rates for auto loans or credit cards may be higher depending on payment term, credit rating, vehicle year, and other qualifications. Existing Valley Oak loans are not qualified. Valley Oak is federally insured by NCUA. . Valley Oak Teams Up With Furry Friends Valley Oak Credit Union has teamed up with the local Society for the Prevention of Cruelty to Animals (SPCA) to provide homeless pets with supplies to keep them happy and healthy. From July 1 through September 30 members may drop off items such as food, money, toys, bedding, treats, and other donations to the decorated barrels in each branch lobby. Members may also aid our furry friends by helping to feed the animals, clean their kennels, or simply by giving them time and attention at the local Valley Oak SPCA. Please click here to see the SPCA's full wish list. . A non-profit with locations throughout the world, the SPCA works to promote the humane treatment of animals, educate the community on responsible pet care, and reduce pet overpopulation through an aggressive spay/neuter program. In 2012 alone the Valley Oak SPCA specifically provided care, shelter, and treatment to 13,142 lost, stray, and unwanted animals; spayed and neutered 4,927; administered 10,704 vaccinations; and microchipped 537 pets. Your donations go directly to helping these animals! For more information on SPCA's program, visit their website at: www.vospca.org. And make sure to stop by a Valley Oak Credit Union branch soon to help a pet in need! 2 . 0% Financing: Is it Really a Deal? . Many car companies are still offering 0% financing to lure buyers to their dealerships, but does this rate really save you money? Here are some things to consider when you see a 0% financing rate offer: Credit Score Matters - It's likely that you need a credit score of at least 750 to qualify for 0% financing. This excludes many individuals from the offer. Vehicle Models are Limited - 0% financing is often attached to select vehicles, which may very well be the unpopular models. Short Term Loan / High Monthly Payment - The term of a 0% loan is usually short (36 months), which means you will end up with a higher monthly payment. Rebate = More Savings - If you are interested in a vehicle at $20,000 and have the option of 0% financing for 36 months or a $3,000 cash-back/rebate, take the rebate! It'll have a lower monthly payment and will be less than 0% financing in the long run. Take the time to research desirable vehicle models on websites such as nadaguides.com, kbb.com, or edmunds.com to get the true market value of a vehicle and perhaps the value of a vehicle you intend to trade in. Often the credit union can save you money over dealer financing! Evaluate your Valley Oak Credit Union auto loan options today by dialing 800-561-4302 or by visiting our loans page. Source: CUNA 2011. . . Business Anniversaries Financial Report New Employees July Claudia Valencia, 9 years Lynette Holguin, 1 year Assets....46,622,052 Loans.....30,972,097 Amber Thomas Member Service Shares....41,155,976 Capital......5,287,163 Members.........6,671 Kristen Cota Member Service August Barry Proctor, 17 years Kellee Smith, 4 years as of 5/31/13 as of 6/10/13 Welcome! 3 For Your Reference: . General email address: President/CEO email: Merchant Check Verification: Toll Free Audio Response: Toll Free Corporate Number: VISA Card Lost/Stolen: eajones@valleyoak.org alan.cortum@valleyoak.org 1-800-268-8126 1-800-778-1621 1-800-561-4302 1-800-543-5073 Our branches will be closed on the following dates: Independence Day Thursday, July 4 Labor Day Monday, September 2 . The View is published for Valley Oak Credit Union members and is designed to promote informative material of interest to our readers. It is distributed with the understanding that it does not constitute legal, accounting, or other professional advice. Legal, accounting, or other expert assistance should be sought from professionals in those fields. Information in this publication is current as of the date issue was printed. Products, services, and their terms may be changed by the credit union at any time. Share rates are declared by the Board of Directors at month end after considering earnings and required reserves. . Three Rivers Branch 40870 Sierra Drive, PO Box 279 Three Rivers, CA 93271 (559) 561-4471 FAX (559) 561-3817 Visalia Branch 600 West Main Street Visalia, CA 93291 (559) 636-3084 FAX (559) 636-3088 Tulare Branch 255 E. King Ave. Tulare, CA 93274 (559) 688-5996 FAX (599) 688-7833 . . Find even more information - including upcoming events and financial tips - at www.valleyoak.org! Copyright © 2013 Valley Oak Credit Union. All Rights Reserved. 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