February 2014 Huge Pre-Owned Auto Sale! If you’re in the market for a used car or just thinking about it, come and see the highest quality and selection of pre-owned vehicles available to SafeAmerica members. This event will be held rain or shine and is an incredible opportunity you won’t want to miss! For more information and to get pre-approved, please go to our website at www.safeamerica.com or call (800) 972-0999, ext. 290. Rates as low as 1.49 % APR1 SafeAmerica Credit Union, Pleasanton Branch 6001 Gibraltar Drive, February 22 & 23, 2014 Saturday, 9 am – 5 pm and Sunday, 10 am – 5 pm Breathe Easy with a Debt Consolidation Loan Consolidate up to $25,000 of debt into one low monthly payment Now, you can pay off your credit cards and other debt and enjoy one low monthly payment every month. With our Debt Consolidation loan you will enjoy: • Low fixed rate of 6.99% APR5 with terms up to 60 months • Borrow up to $25,000 • No application, annual or prepayment fees • Convert high-rate loans into one manageable monthly payment • Debt protection available • Enjoy a selection of up to 175 quality used vehicles • Trade-ins welcome • Up to 130% financing, which includes purchase price, tax, and license • Rates as low as 1.49% APR1 • Hassle-free shopping and personalized service • Once convenient location to save you time You can apply online at www.safeamerica.com, call (800) 972-0999 or come into any SafeAmerica branch. In Memory of Lynn Br own Lynn Brown, a volunteer Board Member at SafeAmerica Credit Union for over 16 years, passed away unexpectedly on January 2, 2014 in Antioch, California. He is survived by his wife of 44 years, Joyce, their two daughters and two granddaughters. Lynn has served as the Board Secretary for the last 7 years and has served on numerous committees throughout his tenure at the credit union. Lynn worked for Safeway Stores, Incorporated for 30 years in Salt Lake City and the Private Label Brands Divisions in the San Francisco Bay Area. After leaving Safeway Lynn opened his own business as a food broker. We will remember Lynn as a great family man with a zest for life and a good sense of humor. He was a dedicated volunteer and a terrific supporter of the credit union. He will be missed by so many. We are thankful for the many years he gave so selflessly to SafeAmerica and our members. www.safeamerica.com 2014 College Scholarship Program Call for Entries SafeAmerica is pleased to announce its “call for entries” for the 2014 College Scholarship Program. Five college bound seniors and students already attending college will be awarded $1,000 scholarships to help with tuition and book expenses. Details to apply are on the SafeAmerica website at www.safeamerica.com or call a Member Service Representative at (925) 734-4111 for details and to request a scholarship packet. Upcoming Seminars Unlocking Social Security Come and learn about Social Security and how it fits with your retirement income planning. SafeAmerica Credit Union, Corporate Office 6001 Gibraltar Drive, Pleasanton Thursday, February 6 6 pm – 7 pm Home Buying Seminar Deadline to apply is March 31, 2014. Purchasing a home can be a confusing process. You’re excited about the thought of owing your own home, but the reality is you need some help in the process and aren’t sure what to expect. SafeAmerica Credit Union is hosting a complimentary Home Buying Seminar to show you what to expect and the steps you will need to take when purchasing your own home. You Can Still Contribute to Your IRA for Tax Year 2013 • We will help you define your ownership objectives and how to achieve them It is not too late to contribute to your IRA for your 2013 taxes. IRA contributions or the current year are accepted until April 15, 2014. For more information on IRA accounts call our IRA specialist at (800) 972-0999, ext. 330. • Demonstrate how you can buy a home for the best price with the most favorable terms • Review the benefits of homeownership • Guide you through the home buying process • Assist you in understanding financing choices • Acquaint you with the documents required for purchasing your home Loan Rates 30-Year Fixed 1st Mortgage.................................................... 4.537% APR 4 15-Year Fixed 1st Mortgage.................................................... 3.555% APR 4 10-Year Fixed 1st Mortgage.................................................... 2.948% APR 4 New and Used Vehicle Loan Rates as low as........................1.49% APR1 Platinum Visa Credit Card rates as low as...............................9.9% APR 2 HELOC (Home Equity Line of Credit)....................................... 4.00% APR 3 See disclosures on back for further details. SafeAmerica Credit Union 6001 Gibraltar Drive, Pleasanton Thursday, March 13 6 pm – 7 pm RSVP – Melissa (925) 847-8352 or email mbuendia@safeamerica.com Refreshments will be served. Minimum available APR as of 2/1/14 is 1.49%, available only on short-term loans. Most SafeAmerica auto loan APRs are 2.49% and up. Rates offered to approved applicants will depend on credit history and other factors. Restrictions apply. F oreign transaction fee of 1% of the transaction amount. No annual fee. Quoted APRs are the best rates available to qualified applicants on the Platinum Visa Program as of 2/1/14 and are subject to change without notice. Your rate may be higher depending on our evaluation of your credit history and other factors we may consider. $5.00 overdraft advance fee. SafeAmerica requires consent to setoff of delinquent credit card obligations from borrower’s SafeAmerica shares. 3 HELOC - Lifetime maximum variable APR is 18%. No annual fees. No fees to establish a credit limit up to $100,000. $500 fees to establish a credit limit above $100,000 up to $250,000. 4 First Mortgage Loans: Our First mortgage product has rates and payments that are fixed for the life of the loan. Payment samples: For a 30-year loan at 4.50%, pay $5.07 per month per $1,000.00; for a 15-year loan at 3.50%, pay $7.16 per month per $1,000.00 borrowed; for a 10-year loan at 2.875%, pay $9.60 per month per $1,000 borrowed. SafeAmerica does not charge points. 5 Advertised rate reflects a 1.00% discount for debt consolidation purposes. Rates as low as 6.99% APR. Terms up to 60 months with a maximum of $25,000. All loans subject to credit, income and debt verification and qualification. Offer subject to change at any time without notice. SafeAmerica is an Equal Opportunity Lender. 1 2 Call Center Branches Northern California (925) 734-4111 Toll Free (800) 972-0999 Member Service Fax (925) 460-0225 Loan Department Fax (925) 734-3438 STARS Telephone Banking (800) 851-6789 Worldwide Web Address: www.safeamerica.com Antioch 5897 Lone Tree Way Antioch, CA 94531 Hayward 1030 La Playa Drive Hayward, CA 94545 Oakland Kaiser 1939 Harrison Street Oakland, CA 94612 Pleasant Hill 2380 Monument Boulevard. Pleasant Hill, CA 94523 Pleasanton Administrative Office & Branch 6001 Gibraltar Dr., P.O. Box 11269 Pleasanton, CA 94588-1269 Pleasanton 5870 Stoneridge Mall Rd, Suite 150 Pleasanton, CA 94588 Genentech* #1 DNA Way, Building 5 So. San Francisco, CA 94080 Safeway Distribution Center* 16900 West Schulte Road Tracy, CA 95376 www.safeamerica.com To locate a Credit Union Service Center near you, call toll-free 1-888-SITE-CO-OP or visit the website at www.co-opsharedbranch.org *Branch located in a secured building. Available only to members at that location.