2012 - KeyPoint Credit Union

A publication for members of KeyPoint Credit Union l Winter 2012
Newsletter l Winter 2012
As we welcome 2012, we will embrace all the changes that
come with the new year. One of those changes will be my
retirement as CEO of KeyPoint Credit Union in March.
I began my credit union career at Frontier Airlines FCU in 1973
and served as president of Colorado’s Space Age FCU and IBM
Rocky Mountain Employees FCU (now Premier Members FCU).
I was very fortunate to join KeyPoint Credit Union as its second
CEO in 1986. At that time, we held $60 million in assets. Today,
we have more than $750 million. In the past 26 years, we have
expanded our membership and our mission.
While I am very gratified by this growth, I am most proud of
how we have grown as part and parcel of this thriving and
diverse community. From our work with local schools to our
charity drives to our expansion of products to better serve you,
KeyPoint Credit Union takes care of our members’ financial and
family needs. In addition to being your financial institution, we
have become your neighbor, your supporter and your friend. That
is my proudest accomplishment.
Rest assured, the leadership team here at KeyPoint Credit
Union will work tirelessly to ensure that your needs are
met and that we remain strong and steady even during the most
turbulent times. My transition will not be one of those times. As
it did before I arrived more than a quarter-century ago, KeyPoint
Credit Union will conduct business as usual, putting members’
and community needs first, this year and every year. Thank you
for allowing me to serve you as your CEO for the past 26 years.
Sincerely,
Timothy M. Kramer
President & CEO
In an effort to go greener, the KeyPoints newsletter will be published
quarterly. The next issue will arrive with your March quarter-end statement.
Plan your financial year.
KeyPoint experts offer a free financial review.
When you wake up in 2012, you’ll feel better knowing your finances are
in order. KeyPoint members can schedule a complimentary, no-obligation
financial check-up with certified KeyPoint CU investment advisors. They’ll
review your financials — including investments, college savings, retirement
plans and more — and make sure 2012 is your best financial year yet.
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PRESIDENT’S MESSAGE
A time for change.
A greener 2012.
To schedule your no-cost, no-obligation financial
review to start the new year, please visit us at
www.keypointcu.com, or call (888) 981-2100.
Investment products and services offered through Wescom Financial Services, LLC (WFS), a Registered
Investment Advisor, broker-dealer, and a wholly owned subsidiary of Wescom Holdings, LLC, which is
a wholly owned subsidiary of Wescom Credit Union. Registered Representatives are employed by and
registered through WFS (Member FINRA/SIPC). Investments are not NCUA/NCUSIF insured, not Credit
Union guaranteed, and may lose value.
Your refund is a click away.
Get your biggest tax refund — guaranteed — with TurboTax. TurboTax
is now available right inside KeyPoint Online Banking to make this your
easiest tax year ever. Log in to Online Banking, and click on the
My TurboTax tab to get started.
Federal tax refund in as few as 7 days: IRS estimates 7–14 days for e-file with direct deposit. State refund
delivery times vary by state. Maximum Refund Guarantee — or Your Money Back: If you get a larger
refund or smaller tax due from another tax preparation method, we’ll refund the applicable TurboTax
federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment
of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your
TurboTax filing date and no later than 6/17/12. Optional add-on services excluded. Cannot be combined
with TurboTax Satisfaction (Easy) Guarantee. Accurate calculations guaranteed: If you pay an IRS or state
penalty or interest because of a TurboTax calculations error, we’ll pay you the penalty and interest.
©2011 Intuit Inc. Intuit and TurboTax are registered trademarks and/or service marks of Intuit Inc. in
the United States and other countries. Other parties’ trademarks or service marks are the property of
their respective owners.
KeyPoint Credit Union l www.keypointcu.com l (888) 255-3637 l TTY: (877) 889-5728 l kpinfo@keypointcu.com
Take cover for 2012.
KEY
APPs
KeyPoint insurance protects you and yours.
Are you well-protected for 2012? Make the most of your KeyPoint
membership by taking advantage of our various insurance services.
KeyPoint CU offers low rates and comprehensive coverage on
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• Auto Insurance
• Medical Insurance
• Life Insurance
• Identity-Theft Protection
• Homeowner’s Insurance
• Travel Insurance
• Special-Event Insurance
• Small-Business Core Protector
Learn more about all the KeyPoint Credit Union
insurance products. Visit the insurance section at
www.keypointcu.com.
Check this corner of
our newsletter each
month to find our
recommendations
for the latest and
greatest smartphone apps. This
month, use your
phone to celebrate
and plan for your
best year yet.
TIMES SQUARE BALL APP
Pretend you’re in the center of the
universe for New Year’s Eve! The official
Times Square Ball App lets you be part
of the festivities in New York’s Times
Square — you can even send New
Year’s Eve kisses to faraway friends.
ALL MY NEW YEAR
RESOLUTIONS 2012
This app helps you stick to your resolutions by keeping track — and sharing
them with friends. 99 cents; iphone only
Apps are free and available across platforms
unless otherwise noted. Visit the iPhone App
Store or Android Market for downloads.
Insurance products are provided by third parties, are not NCUA/NCUSIF insured, and are not credit
union guaranteed.
In the house.
Start the new year in a new
car with KeyPoint Credit Union’s
New Year’s rates on auto loans.
Give yourself the car you’ve been dreaming
about, or if you’ve recently purchased a car,
refinance now and lower your monthly
payments for 2012 and beyond.
2.49
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• Defer your first payment up to 90 days
• Up to 100% financing available
Get into your new or used car for the new year.
Apply online at www.keypointcu.com, visit
any KeyPoint CU branch, or call (888) 255-3637.
*Rates range from 2.49% to 19.74% APR depending on creditworthiness, cash back election (if eligible),
qualification for discounts and other factors. APRs accurate 1/1/12; subject to change. Discounts available for
specific green vehicles, automatic payments, down payments, returning KeyPoint paid-as-agreed vehicle
borrowers and election of rate discount in lieu of Cash Back Promotion. Get cash back from $75 to $250 or
a rate discount of .25% to .75% in lieu of cash back. Payoff of loan within 24 months is subject to a prepayment penalty up to $250 depending on the cash back received or the promotional rate discount selected.
Rate will in no event be lower than 2.49% APR if member elects rate discount in lieu of cash back or lower
than 3.24% APR otherwise. All rates and terms subject to change without notice. TTY: (877) 889-5728.
2012 Annual Meeting
Mark your calendar for our 2012 annual meeting on April 26 at 6 pm at
the KeyPoint Community Center. There are three open positions on the
board of directors and one position on the supervisory committee. Send
nominations to Tim Kramer at tkramer@keypointcu.com by March 31.
Reserve your seat by sending an e-mail to rsvpannualmeeting@
keypointcu.com or calling (408) 731-4197. Refreshments will be served.
The equity in your home can help
you refinance, pay off lingering
bills or higher-interest debt, fund
home-improvement projects — whatever
you need to pay for in 2012.
Take advantage of New Year’s rates
and a variety of terms to meet your
needs on KeyPoint Credit Union’s
Home Equity Lines of Credit now.
• Achieve your goals for less
• Borrow up to $500,000 with NO FEES
• New higher combined loan-to-value
limits are available
Apply today with
our easy application
process: online at
www.keypointcu.com, at any KeyPoint
branch or by phone at (888) 255-3637.
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New year, new car.
HOLIDAY OBSERVANCES
16
Martin Luther King Jr. Day
TH KeyPoint CU branches will be
closed for the holiday.
You may always call our 24/7 Telephone Center at (888) 255-3637,
or initiate a Live Chat at www.keypointcu.com.
APR*
For the first 6 months
3.99%
APR*
For the first 3 years
4.50%
APR*
For the first 5 years
5.75%
APR*
For the first 7 years
THEN:
Prime + 0%
with a floor of:
3.99%
APR*
Free upcoming seminars
26
Credit Reports
TH Our experts will discuss everything you need to know
about credit reports, credit scores and credit repair.
You do not need to be a member to attend. Family, friends and co-workers are
welcome. Seminars are from 6–8:30 pm at the KeyPoint Community Learning
Center at 2805 Bowers Ave., Santa Clara. Visit www.keypointcu.com to RSVP.
Our Community Learning Center is handicap-accessible. If you
have special needs, call (888) 255-3637.
Follow us on:
Scan code to visit our website
s
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.
3.49%
*Lifetime maximum variable APR 16%. No annual fees. No account opening fees for new-to-KeyPoint equity
lines up to $500,000, but if you pay off and close the line within 36 months, an early closing fee of $350
applies to loans up to $250,000 or $1,000 to loans up to $250,000–$500,000. Quoted APR is best available
as of 1/1/12 and requires excellent credit, California owner-occupied single-family residence, condo or townhome, 70% or better loan-to-value (LTV) ratio, and automatic loan payments. Lines are available with higher
LTV ratios at higher APRs; ask for details. Discounted introductory interest rate not available on purchase loans/
lines. All loans subject to credit approval. Approved rates and terms will be disclosed in writing prior to funding.
Restrictions and conditions apply. All rates and terms subject to change without notice. TTY: (877) 889-5728.
JAN
JAN
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