Let SAFE help finance your dream wedding

Transcription

1 February 2015 Number 2 Volume 53 Let SAFE help finance your dream wedding Did you know February is National Wedding Month? That s right. According to the Association of Bridal Consultants, more couples get engaged in February than in any other month of the year. Romance is in vogue this month thanks to Valentine s Day. And if you re planning to propose this February, or have already said yes to that special someone, then SAFE can help! Planning a unique wedding celebration is fun and exciting, but it can also stretch your budget to the limit. If you need help financing your special day so that it s just as beautiful as you imagined, talk to SAFE. We can help relieve the stress that comes with wedding and honeymoon expenses. Hoping to have a romantic Hawaiian honeymoon? With a low-rate SAFE Wedding Loan, you can make purchases for your big day now and pay the balance over 36 months. 1 Say aloha to your beachfront condo in Kauai! SAFE Wedding Loans offer: A fixed rate Financing up to $10,000 Up to 36-month terms 1 No pre-payment penalties No home ownership requirement No application fee No collateral needed To learn more, or to apply for a wedding loan, visit safecu.org or call (916) or (800) SEE-SAFE. 1 APR ranges from 9.90% to 17.90% and is accurate as of 1/1/2015. Payment on a loan at 9.90% APR for 36 months is $32.22 per $1,000 borrowed. All loans subject to credit approval and membership eligibility. Rates and terms may vary and are based on credit history, term, and amount financed. Rates, terms, and conditions subject to change. Sign up for free Online Banking training Sign up today to improve your SAFE Online Banking skills by visiting safecu.org or calling (916) or (800) SEE-SAFE. These free, informative classes can help you manage your money online so you can save time, save money, and bank at your convenience. Learn more about the benefits of Online Banking today. Join us for the next Online Banking Skills Class session! Location: Citrus Heights Branch 7475 Madison Ave. Date: Tuesday, Feb. 24, 2015 Time: 2 5 p.m. Space is limited, so sign up soon!

2 There s still time to make your 2014 IRA contribution If you didn t contribute the maximum amount to your Traditional IRA or Roth IRA in 2014, you still have time. According to the Internal Revenue Service, you may continue making contributions to both 2014 Traditional and Roth IRA accounts until April 15, Making deductible contributions to your Traditional IRA can save you money on your tax bill, and investing in both the Traditional and Roth IRA builds your retirement savings. For tax year 2014, the maximum IRA contribution you can make is $5,500. If you re age 50 or older, you may contribute an additional $1,000, for a total of $6,500. The total Traditional and Roth IRA regular contributions per year cannot exceed the lesser of the annual contribution limit or 100% of earned income. Check your records to see how much you ve invested in your IRAs and contribute more if you haven t met your annual maximum. If you re considering opening an IRA account, visit any SAFE branch or contact a helpful SAFE representative at (916) or (800) SEE-SAFE. Information not intended as tax advice. Consult your tax advisor regarding eligibility requirements, tax deductibility, and to determine which IRA plan is best for you. Bring your loans to SAFE and save Get organized this year and save by bringing all your loans under one roof to SAFE Credit Union. Transfer your higher-interest credit card balances to a SAFE Platinum Visa Credit Card, plus refinance your home or auto loan from another lender and save even more! With auto loan rates as low as 2.00% APR 1, you can drive home a great deal by transferring your loan from another lender to SAFE. Pay zero down at signing and skip payments for 90 days! 2 Refinancing your home loan with SAFE couldn t be easier. Schedule an appointment with a SAFE Mortgage Officer to get a better rate and monthly payment on the home you love. Lower your interest and monthly payments today by transferring higher-interest credit card balances to a SAFE Platinum Visa Credit Card. With rates as low as 7.90% APR 3, you can pay the sum off faster, plus you ll pay no balance transfer fees. Start saving now! Visit safecu.org 24/7 to learn more and apply online. Stop by any of SAFE s convenient 21 local branches. Click here to locate a branch near you. Schedule a no-cost, no-obligation appointment with a SAFE Mortgage Officer or loan expert. Contact a helpful SAFE representative at (916) or (800) SEE-SAFE. 1 APR accurate as of 1/1/15 and available to well-qualified members. All loans subject to credit approval and membership eligibility. Requires minimum loan amount of $10,000. Rates and terms may vary and are based on credit history, term, loan-to-value (LTV), and amount financed. Financing up to 120%. Rates, terms, and conditions subject to change. 2 Finance charges begin accruing upon loan disbursal. See SAFE for terms and conditions. 3 APR is variable, ranges from 7.90% to 13.90%, and is accurate as of 1/1/15. Your APR is determined by your credit history. Cash Advance Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater. Late Payment Fee: $15 or current minimum payment amount, whichever is less. Returned Payment Fee: At cost, not to exceed $10. Foreign Transaction Fee: 1% of each transaction in U.S. dollars. Rates, terms, and conditions subject to change.

3 File your taxes in a snap and enter the $25,000 giveaway Let TurboTax and SAFE Online Banking do the work for you at tax time! You deserve to save time and get the best return possible. That s why SAFE offers TurboTax right inside Online Banking for your convenience. And, if you try TurboTax by Feb. 26, 2015, you ll be automatically entered in the $25,000 giveaway! No purchase necessary. Click here to view Official Rules for odds of winning and other details. TurboTax helps you keep more of your hard-earned money, while offering you peace of mind, knowing expert assistance is available every step of the way. Plus, by banking at SAFE, you can enjoy substantial savings on TurboTax federal products! TurboTax offers these benefits: Personalized Help TurboTax guides you step-by-step based on your unique situation, asking questions that are easy to understand and answer. You don t need to know anything about taxes. Customized Solutions TurboTax is customized to your situation, searching for the latest deductions and credits based on your job, family, and life, so you ll get every penny you deserve. Expert Answers TurboTax offers expert help when you need it, so you won t get stuck if you have a question. When you re ready to get started, simply log in to SAFE Online Banking, select Manage Money, and then select My TurboTax. Not enrolled in Online Banking? Click here to get started, or speak to a helpful SAFE representative by calling (916) or (800) SEE-SAFE. SAFE Visa Business Credit Card special 1.90% intro APR For a limited time, SAFE Credit Union is offering a $100 SAFE Visa Gift Card 1 when business owners open a SAFE Visa Business Credit Card. With a low introductory APR of 1.90% for six months on new purchases, and a variable rate as low as 9.90% APR, thereafter, business owners can buy the merchandise and equipment they need to keep their businesses thriving. 2 SAFE Visa Business Credit Cards make it easier to keep business expenses separate from your personal finances. Categorize employee spending, keep track of expenses for taxes, and earn rewards for travel and merchandise. Apply by April 30, 2015 to take advantage of this special offer! Great low rates Credit limits up to $20, day grace period on purchases No annual fee No cash advance fee Acceptance at millions of locations worldwide Free ScoreCard program to earn travel and merchandise rewards Free Visa SavingsEdge program for automatic savings on qualified purchases For more information, or to apply for a Visa Business Credit Card, please contact your local SAFE Business Banking Officer by calling (916) or (800) SEE-SAFE, extension Please see our rates and agreements. 1 See SAFE for details. 2 $100 SAFE Visa Gift Card mailed to business owner within 10 business days of account opening.

4 5 easy ways to save in 2015 SAFE offers a variety of ways to help you keep more of what you earn, from entertainment and cell phone discounts to cash rewards programs and savvy banking solutions. Check out these stress-free ways to save: 1. Perfect Cents Savings With Perfect Cents Savings, members save every time they use their SAFE Visa Debit Card. When you buy gas, groceries, or your daily coffee with your SAFE Visa Debit Card, we round your purchase to the next whole dollar amount and transfer the extra change from your SAFE checking account into the SAFE savings account of your choice. It's free to enroll in Perfect Cents Savings, and the funds add up quickly. Join the 50,000 SAFE members who are transforming their pocket change into a nest egg. For more information, or to enroll in Perfect Cents Savings, visit safecu.org or call us at (916) or (800) SEE-SAFE. 2. Direct Deposit There s no better way to save than to have money taken directly from your paycheck and tucked safely into a savings account. With Direct Deposit, you can have a portion of your paycheck deposited directly into the SAFE savings account of your choice and the remainder into your checking account. Just $40 a month adds up to $480 at the end of the year, plus dividends. Hello new cell phone! To enroll in SAFE's Direct Deposit program through your employer, please download this form and present it to your payroll office. 3. SAFE Cash Rewards Turn everyday shopping with your SAFE Visa Debit Card into cash! Choose deals from your favorite retailers and restaurants inside Online Banking or with SAFE s smartphone app. Then, redeem your discounts by paying with your SAFE Visa Debit Card, and receive cash back into your SAFE checking account. Open your checking account with SAFE today and get an instantly-issued SAFE Visa Debit Card. Visit safecu.org or call (916) or (800) SEE-SAFE. 4. Sprint Credit Union Member Discount Plan Join the more than one million credit union members nationwide that are already saving more than $95 million on their wireless plans! SAFE is pleased to bring our members these major savings from Sprint: Ways you can save: 10% off most regularly priced Sprint individual service plans 15% off most regularly priced Sprint business service plans Waived activation fee on new lines Waived upgrade fee To get your Sprint discount, call (877) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save. Or log on to the website at SprintSave4CU.com or visit your nearest Sprint store. 5. Buy discounted tickets at California amusement parks and attractions Being a SAFE member comes with perks! Check our website at safecu.org often for news items announcing discount tickets at various amusement parks, events, and entertainment venues. Throughout the year, SAFE offers discounted tickets for the entire family to amusement parks such as California s Great America, Six Flags Discovery Kingdom, and Gilroy Gardens. As a credit union member, you can buy discounted tickets online with a promo code that we provide. If you love history and airplanes, you ll enjoy the discounted tickets we offer each year to the California Capital Airshow. Plus, as a SAFE member, you also receive periodic opportunities to buy discounted tickets at entertainment venues and museums such as the Aerospace Museum of California, among others. For more ideas on how to save money and get financially fit, read our Top 10 Steps to Financial Well-Being at safecu.org.

5 Save time and money with OnCall Doctor During flu season, it s good to have a doctor on speed dial. With OnCall Doctor, you can speak to a licensed, board-certified physician 24 hours a day, seven days a week, to obtain care for yourself or your children. Protect your family s health with this plan from Benefit Services of America. The cost is $9.95 a month for an individual and $12.95 a month for the entire family.* OnCall Doctor saves time and money, even if you already have health insurance. You won t have to travel to the doctor s office, sit in a waiting room, or incur a co-pay. Convenient for busy career people, OnCall Doctor helps you avoid taking time off work for routine medical concerns such as colds, coughs, allergies, sinus infections, bronchitis, and more. Plus the doctor will send your prescription to a pharmacy conveniently located near you. Take advantage of these benefits: Consultations over the phone Great for quick prescriptions Unlimited access to physicians Convenient when traveling No waiting period No contract No risk 60-day money-back guarantee This plan also includes, at no additional cost to SAFE members, a 10% to 60% discount on prescriptions, vision, chiropractic, and more. Join today and begin to save! Sign up online at OnCall Doctor or call toll-free (866) and mention SAFE to secure your preferred, member-only offer. * $9.95/month per individual or $12.95/month per family (two or more), plus a one-time refundable activation fee of $10. Add Dental Benefits Max for only $5 for individuals and $7 for families. A no-risk, unconditional, 60-day money-back guarantee, no questions asked. This plan is not insurance. Double check your information for a fast tax refund Prefer to file your taxes electronically and have your refund sent directly to your account? We can help you receive your refund quickly and safely right into the SAFE account of your choice. The key is to make sure your information is 100% accurate to avoid delays. Follow these helpful tips to make sure you e-file your taxes without a hitch: Double check the names and Social Security numbers of everyone on the return, plus your address. Verify that you chose only one filing status (single, married, widowed, etc.) and have entered the correct number of dependents. Confirm the amount of your adjusted gross income, deductions, and exemptions for accuracy. To initiate electronic (ACH) withdrawals, deposits, or payments on your SAFE account, including a direct deposit of your tax refund or paycheck, provide SAFE s routing number, which is , and the information listed to the right. Routing number Account number Check number Checking Routing number as listed on the bottom of your check, followed by your account number. Don t include any leading zeroes, and don t include the check number. Savings (Includes Money Market) Account number and two-digit savings (00) or Money Market (01) suffix as listed on your SAFE account statement. You can make filing even easier by using TurboTax within SAFE Online Banking. TurboTax automatically populates your account and routing number fields with the correct information needed for direct deposit of your return. To use TurboTax or learn more, log in to your account at safecu.org. If you have any questions regarding electronic transactions, please contact a helpful SAFE representative at (916) or (800) SEE-SAFE.

6 Take Note! Please note that SAFE s branches, Corporate Office, and Call Center will be closed in observance of the following holiday: Presidents Day (observed) is Monday, Feb. 16, 2015 While our offices will be closed, you may access your accounts at your convenience through Online Banking, Mobile Banking, Text Banking, or SAFE s smartphone apps. You may also access CALL-24 Phone Banking by calling (916) or (800) 3CALL-24. SAFE Member Guide SAFE Member Service: Call Center, CALL-24, SAFE Financial Services:...(916) Toll Free:...(800) SEE-SAFE Call Center Hours: 6:30 a.m. - 6:30 p.m. (M-F) 9:00 a.m. - 2:00 p.m. (Sat.) SAFE Online: SAFE Branch/ATM Locations: To find a SAFE Branch or ATM near you, go to safecu.org and click on Locate a Branch/ATM in the middle of the page, or call (916) or (800) SEE-SAFE. Branch Business Hours: ATM Networks: CO-OP, Visa, PLUS Point-of-Sale Networks: 9:00 a.m. - 6:00 p.m. (M-F) 9:00 a.m. - 2:00 p.m. (Sat.) Visa, Interlink, and NYCE SAFE Products and Services: SAFE wants you to keep more of what you earn! That s why we offer a variety of affordable products and services to meet all your financial needs. Checking Free Checking Early Paydays with Direct Deposit * SAFE Visa Debit Card Overdraft Protection Savings Savings Money Market Certificates IRAs Account Access Online Banking Text Message Banking Mobile Banking SAFE iphone, ipad, and Android Apps CALL-24 Phone Banking 30,000 surcharge-free CO-OP ATM locations Online Services Online Account Opening Free Bill Pay for active users Free estatements Free online images of cleared checks Free FinanceWorks Business Services Savings & Checking Commercial Real Estate Equipment Financing Lines of Credit Visa Credit Cards Merchant Card Servies Loans 1 st Mortgages Home Equity Loans Home Equity Lines of Credit Auto Loans Visa Credit Cards To learn more about any of the above SAFE products or services, call SAFE or visit SAFE online. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency..Your IRA funds are insured separately up to $250,000 by the NCUA. Equal Housing Opportunity NMLS# *Subject to receipt from originator and other terms and conditions. Note: This newsletter is designed to provide informative material to members with the understanding that the contents do not constitute legal, accounting, tax, or other professional advice. If expert information is needed in these areas, assistance should be sought from the professionals in those fields. Rates, terms, and conditions are subject to change. All loan requests are subject to credit approval.