June 2015 Number 6 Volume 53 SAFE awards scholarships to 10 exceptional high school students SAFE has awarded 10 outstanding students $1,000 scholarships to help fund their college educations. It was difficult to select the recipients of the 2015 SAFE Scholarship Program due to the extraordinary achievements of the applicants. Our scholarship committee was honored to receive more than 150 applications from college-bound seniors representing 43 schools and 28 cities in and around the Greater Sacramento area. This year s scholarship recipients were selected based on exceptional grade point averages, financial need, community involvement, letters of recommendation, and a personal essay explaining how their education would ultimately contribute to the future success of their communities. We re honored to announce the 2015 SAFE Scholarship recipients: Sabreena Singh Luther Burbank High School Grant Laut Oak Ridge High School Madeline Merwin St. Francis High School Jennah Thompson-Vasquez Bella Vista High School Jessica John Casa Roble Fundamental High School Amit Talreja Folsom High School Marilynn Wong John F. Kennedy High School Alexa Phillips Mira Loma High School Insu Jung Sheldon High School Kayla Panora Antelope High School Congratulations! SAFE wishes you the greatest future success.
Apple Pay is here! SAFE is always looking for ways to stay current with technology, especially when it adds more convenience for our members. That s why we re happy to introduce you to our newest payment solution: Apple Pay! Now, you can shop conveniently with your SAFE Visa debit, credit, or prepaid cards and iphone 6, iphone 6 Plus, or Apple Watch. Plus, you can also make purchases within participating apps on your iphone 6, ipad Air 2, and ipad mini. Apple Pay is a secure way to make contactless payments. Every transaction on your device requires you to authenticate it with Touch ID (your fingerprint) or your passcode. Your unique card number and identity aren t shared with the merchant, and your actual card numbers aren t stored on your device or on Apple servers. You can add any SAFE Visa debit, credit, or prepaid card to Apple Pay. Once your SAFE card is registered with Apply Pay, remember to move it up to the first spot in your Passbook, and make it your default card so you can continue to enjoy all the rewards. SAFE is proud to offer you the most innovative technology to make your world more convenient. For more information, or questions about using Apple Pay, please visit safecu.org/applepay. Should you have any further questions, please visit your local branch, use Live Help at safecu.org, or contact a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE. Tips for first-time homebuyers When you re thinking about buying your first home, there s a plethora of things to consider. Forget the paint swatches for now. The best way to get started is to create a list of must-haves. First, what kind of home do you want? Would you consider a condo, loft, or duplex, or is a single family home a must? Do you have your heart set on a onestory or two-storyhouse? Once you ve got the type of house pinned down, you should decide on how many rooms you need and what amenities fit your needs. A garage, swimming pool, yard, walk-in closets, upgraded kitchen, and wood floors are all things you might consider for your list. The neighborhood might be your most important choice. If you have children, you may want to research the best schools and find a home nearby. Your commute to work and your lifestyle also come into play. If you work downtown and love to spend your leisure time seeing plays or catching a baseball game, the city might be the best place to settle. When you ve narrowed down what kind of home you need, and the neighborhood you want, you can begin the process of prequalifying for a home loan. Prequalifying shows you how much you can afford to spend on a home based on where you stand financially, taking into account your income, debt, savings, and current interest rates. Prequalifying can determine: An estimate of the purchase price and monthly mortgage payment for which you can afford and qualify How much money you will need for a down payment (the difference between the purchase price and the amount of your mortgage) Budgeting goals you need to set and achieve Our expert SAFE Mortgage Officers can help you prequalify for the home you want. At SAFE, our goal is to help you achieve financial well-being, and that includes becoming a homeowner. Prequalifying is not a commitment on your part to work with a particular lender. It also doesn t guarantee you a loan that happens during the actual loan application process. And when you re ready to begin the loan process, we ll walk you through the process step-by-step. For more information about SAFE Home Loans, or to set up a free consultation with a mortgage officer, visit safecu.org or call (916) 979-7233 or (800) SEE-SAFE.
Bank on the go with Mobile Banking Americans are always on the move. Isn t it true that most of us are carrying smartphones while we re going about our daily work, errands, and business? That means being able to bank with your smartphone is more important than ever. According to Neilsen Research Group s Digital Consumer Report, about 65% of Americans own a smartphone. Knowing this percentage is on the rise, SAFE offers members the ability to do their banking anytime, anywhere with Mobile Banking. Mobile Banking offers the convenience to check account balances, transfer funds, pay bills, and even deposit checks using your smartphone. Rather than making a trip to the branch, members can bank at the office or from the convenience of their home. It's easier than ever to access your SAFE accounts from your Internet-enabled cell phone or wireless device. SAFE Mobile Banking is easy, convenient, and secure. And, it's available free to Online Banking users. 1 Obtain account summaries Locate a convenient branch or ATM Contact a SAFE representative And much more! If you have an Internet-enabled mobile device, you're ready for Mobile Banking! No registration is necessary. Simply bookmark the following URL on your browser to ensure a successful connection: https://go.safecu.org. Have an iphone, ipad, or Android -enabled device? Download our free smartphone app from itunes store or Google Play today! 1 To learn more about Mobile Banking, please review our FAQs. For help with setup or other questions, please call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE, or use one of our e-friendly support methods. 1 Standard carrier rates and fees apply. 2 Available on iphone or Android-enabled devices. See SAFE for terms and qualifications. Mobile Banking features: Deposit checks on the go 2 Pay bills online Make account transfers View transaction history Receive account notifications Business banking at SAFE is more convenient than ever At SAFE, business owners can change the way they bank with MyDeposit Business. Start depositing checks easily and securely from the comfort of your business or home office. If you ve had a SAFE business checking and/or savings account for more than 30 days, you can request MyDeposit Business* and erase those daily trips to the branch. Bank at your convenience deposit checks whenever and wherever it fits into your schedule. With MyDeposit Business, you can scan and deposit unlimited checks each business day up to $50,000. The checks are deposited into the SAFE business checking or savings account of your choice. It s simple to confirm and view your deposits and balance in SAFE Online Banking. Sign up for MyDeposit Business today! For more information, visit a local branch, chat with a SAFE representative through Live Help at safecu.org, or call (916) 979-7233 or (800) SEE-SAFE. *Additional conditions apply. See SAFE for details and cost information.
Let the good times keep rolling Looking forward to hitting the road this summer with friends or family to experience everything California has to offer? The Golden State is bursting with beautiful scenery, outdoor fun, and exciting attractions sure to make any vacation memorable. Thinking about driving down Highway 1 to take in that majestic view of the Pacific Ocean? Your car better be in excellent shape to navigate those winding roads with 20 miles between gas stations. If not, all that fun can come to a screeching halt if your car breaks down or you run out of gas. Make sure your vacation isn t cut short. Get protection with Mechanical Breakdown Insurance (MBI). With MBI you can travel worry free knowing you have 24-hour roadside assistance should you run low on gas or the car breaks down. Plus, if your vehicle needs approved repairs, you ll have rental car reimbursement so you can carry on with your vacation while your car is being repaired. And the deductible is zero for most plans! MBI provides: Worry-free protection against unexpected repairs * Five different coverage plans to fit your needs Zero deductible for most plans Fast, experienced, and professional claims administration Coverage underwritten by "A"-rated (excellent) insurance companies 24-hour roadside assistance Car rental benefits Tire coverage To learn more about MBI, chat with a SAFE representative on Live Help at safecu.org, visit a branch, or call (916) 979-7233 or (800) SEE-SAFE. * The vehicle must be maintained according to the manufacturer s specifications. Refer to the certificate for complete details. Summer travel is easy with a SAFE Go Prepaid Visa Card Imagine not carrying cash or a credit card for your next vacation. Whether traveling in the USA or internationally, don t worry about lost or stolen cash and relax! With a SAFE Go Prepaid Visa Card, you ll always stick to your vacation budget because you set it in advance. Deposit the amount of cash you choose to the reloadable card and go! It s that easy. A safe alternative to carrying cash, you pay a one-time low fee of $4.95 to purchase the SAFE Go Prepaid Visa Card or pick the Pay-As-You-Go plan based on your needs. Choose a PIN to get cash at ATMs. Add Direct Deposit within 90 days of purchase and enjoy a $4.95 credit to your new card! 1 Leave the budget worry behind this summer. Enjoy every minute of your vacation with confidence. The SAFE Go Prepaid Visa Card features: Convenient transactions anywhere Visa Debit Cards are accepted Free reloads at SAFE branches and ATMs Free cash withdrawals at SAFE ATMs and 30,000 CO-OP ATM locations nationwide Select personalized text and email alerts 2 Anytime online account access Visit a SAFE branch today and leave with your card. For more information, call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE. For more detailed information, please view our fee schedule and agreement. 1 One-time credit will be posted to cardholder s Go Prepaid Visa account within 60 days of first Direct Deposit posting. Cardholder s Go Prepaid account must be open and in good standing. Limited-time offer. See SAFE for additional terms and conditions. 2 Standard carrier rates and fees apply.
Choose a checking account to fit your lifestyle Whether you want a free checking account or need one that allows you to earn dividends, SAFE has you covered. Our Freedom Checking is totally free and offers all kinds of perks. It s perfect for members who want to be free of monthly service charges, balance restrictions, and Direct Deposit requirements. For those who carry a larger balance and want to earn dividends on their money, SAFE offers Prestige Checking. 1 With this checking account, you ll maximize your earnings and get extraordinary extras. Open either account with just $25 and start raking in the benefits. Regardless of the checking account you choose, you ll always get the exceptional service and professional experts you ve come to expect at SAFE. All SAFE checking accounts offer: Free instantly-issued SAFE Visa Debit Card with no monthly fee 2 Free Online Banking Free Bill Pay for active users Early paydays with Direct Deposit 3 Free Mobile Banking and Text Banking 4 Free access to more than 30,000 CO-OP ATM locations nationwide Free Point-of-Sale (POS) transactions at most grocery stores, gas stations, and restaurants 2 Free access to online check images Overdraft Protection Free enrollment in Perfect Cents Savings For more information, or to open a checking account, visit safecu.org, or call (916) 979-7233 or (800) SEE-SAFE. 1 Prestige Checking monthly fee of $14 waived if minimum daily balance of $2,000 or more, combined deposit balance of $10,000 or more, or Capitol Club membership. 2 Individual merchant fees or surcharges may apply. 3 Subject to receipt from originator and other terms and conditions. 4 Standard carrier rates and fees apply. SAFE members invited to contribute to military care packages SAFE is joining the American Red Cross to collect items to create care packages for active military personnel and veterans. SAFE members are invited to bring items for Operation Care Package to any SAFE branch between May 26 and June 10, 2015. During that time, a list of items we will collect will be posted at the branches. The items members place in the donation bins at SAFE branches will go to the American Red Cross for its Operation Care Package event to be held June 12, 2015 at the Roseville Auto Mall in Roseville, California. The packages will be shipped to active military and veterans who have served our country as a thank you and to show them their sacrifice has not been forgotten. For more information, call a helpful SAFE representative at (916) 979-7233 or (800) SEE-SAFE.
Kids learn about space and flight at summer camps Summer camps are not created equal. The Aerospace Museum of California is offering an exciting alternative to playing games and making crafts. For middle school students entering grades 6-9, the Aerospace Museum is hosting an Aerospace Camp to be held June 22-25, 2015. The camp is from 9 a.m. to 1 p.m. and children will learn about planes, flight, computer science, and space. For teens, the Aerospace Museum is offering Aviation Camp. Each of the three camp sessions are four days filled with learning about aviation. During the camp, each student will experience a short flight with a registered pilot. Aviation Camp dates: June 15-18, 2015 July 6-9, 2015 July 20-23, 2015 Summer camps are held at the museum, located at 3200 Freedom Park Drive, McClellan, California. The Aerospace Museum of California s Education Program is in compliance with California Education Curriculum Standards. For more information about the Aerospace and Aviation camps, registration fees, or to sign up, visit the Aerospace Museum of California website, or call (916) 643-3192. Register now for one of the four Aviation Camps while there s still room. Each class will enroll only 12 teens. Sign up for free Online Banking training Sign up today to improve your SAFE Online Banking skills by visiting safecu.org or calling (916) 979-7233 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. Join us for the next Online Banking Skills Class session! Location: Citrus Heights Branch 7475 Madison Ave. Date: Thursday, June 25, 2015 Time: 2-5 p.m. Learn more about the benefits of Online Banking today. Space is limited, so sign up soon!
SAFE members save big with Sprint Credit Union Member Discount Tired of paying too much for your cell phone bill? We don t blame you. So we re helping you save with the Sprint Credit Union Member Discount from Love My Credit Union Rewards. As a SAFE Credit Union member, you can save on your monthly wireless bills plus have your activation and upgrade fees waived. Our members can get: 10% discount on select regularly priced Sprint monthly service Activation fee on new lines waived (up to $36 in savings) Upgrade fee waived (up to $36 in savings) Three ways to get your discount: Call 877.SAVE.4CU (877.728.3428) and let them know you re a credit union member. Ask to be a part of the NACUC_ZZM Corporate ID to save Click LoveMyCreditUnion.org/Sprint Visit your nearest Sprint store Current and new Sprint customers need to verify credit union membership to take advantage of these exclusive discounts. Visit www.sprint.com/verify or download the Love My Credit Union Rewards app in the Apple App Store or Google Play to verify your membership. Stop paying too much for your wireless services, start saving today with the Sprint Credit Union Member Discount. Give dad summer fun this Father s Day Some dads are happiest on the water. If this sounds like your dad or husband, forget the new wallet. Get him a Father s Day gift he ll flip over a JET SKI or other personal watercraft. Family fun is even better when it s shared. Think of the fun days you ll have out on the lake this summer! If you re thinking about buying a personal watercraft or boat, SAFE has a loan that won t weigh you down. We can offer you competitive rates and flexible terms to fit your budget. If you have questions, or would like to apply for a loan, visit safecu.org or call (916) 979-7233 or (800) SEE-SAFE. 1 APR accurate as of 6/1/2015. All loans subject to credit approval and membership eligibility. Payment on a $35,000 loan at 6.50% APR for 120 months is $397.55. Rates and terms may vary and are based on credit history, term, loan-to-value (LTV), and amount financed. Rates, terms, and conditions subject to change. 2 Finance charges begin accruing upon loan disbursal. See SAFE for terms and conditions. SAFE Watercraft Loan benefits: Terms up to 120 months 1 Competitive rates Relationship discount No payments for 90 days 2 Up to 90% financing Refinance loans from other lenders and save. For your loan options, rates, and disclosures click here.
Take Note! Please note that SAFE s branches and Call Center will be closed in observance of the following holidays: Independence Day is Saturday, July 4, 2015 While SAFE branches and Call Center 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) 488-5744 or (800) 3CALL-24. SAFE Member Guide SAFE Member Service: Call Center, CALL-24, SAFE Financial Services:...(916) 979-7233 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: www.safecu.org 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) 979-7233 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#466072 *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.