Summer 2015 - KeyPoint Credit Union

A PUBLICATION FOR MEMBERS OF KEYPOINT CREDIT UNION
SUMMER 2015
President’s Message
Opportunity knocks!
Helping members enjoy their summer adventure
Make your dream home affordable with a loan from KeyPoint!
Travel season is in full swing, and we at KeyPoint Credit Union want to help
make vacations affordable for our member-owners. Whatever your plans may
be, you can find great savings this summer through our products and services.
KeyPoint makes the path to your purchase or refinance simple and affordable.
We have mortgage solutions to meet your needs and budget, with competitive
rates and personalized service from our dedicated team.
KeyPoint offers:
KeyPoint’s Visa® debit card comes with free Passport Rewards, giving
members thousands of exciting discounts for restaurants, cruises, hotels,
entertainment, shopping and more. We also offer a newly-expanded line
of credit cards for your purchase needs, with no annual, balance transfer
or cash advance fees. All KeyPoint cards are issued instantly at our
branches and accepted worldwide!
10- to 30-year terms, with fixed
and adjustable rates
Purchases with as little as 5% down
Refinances to lower your interest rate
or monthly payments
If you are planning a road trip, we can get you moving with a low-rate
auto loan for new and used vehicles. Our loan benefits include financing
up to 100% and no first payment for up to 90 days.
Cash-out refinances to pay for life’s
demands
And no matter where you go, 24/7 account access is easy from a computer,
smartphone or tablet. KeyPoint’s online banking and mobile app let you view
balances, pay bills, transfer money, and even deposit checks remotely.
Talk to Brad
Give our CEO Brad Canfield
feedback at talktobrad@kpcu.com
Sincerely,
T. Bradford Canfield, President & CEO
I hope that KeyPoint can enrich
your next excursion – have a
wonderful, fun-filled summer!
High balance loans up to $625,500
3.280 %
APR*
Jumbo loans as high as $2.5 million
Visit kpcu.com/homeloans or call (888) 255-3637
today to get started!
*Quoted rate is available as of 6/15/15 on a no-point 10/1 adjustable rate $416,000 loan secured by
an owner-occupied single-family California detached house, townhome, condo or 2-unit property, and
is subject to change without notice. Current rates and terms available at kpcu.com. All loans subject to
credit approval. Rates offered to approved applicants depend on product selected, credit history and
other factors. ARM rates subject to increase during loan term. Rate is variable, based on the Prime Rate
as published in The Wall Street Journal Money Rates Table. Sample: Payment for the first ten years is
$1,810.46 per month (excluding taxes & insurance) on a $416,000 loan at 3.280% APR with zero points.
Aloha, members—win a trip to Hawaii!
Enter our 50,000 and Beyond sweepstakes by referring a friend to KeyPoint!
KeyPoint Credit Union is rapidly approaching 50,000 members, and we want to thank you with a great set of prizes!
Refer a friend to open a checking account or auto loan with KeyPoint, and you will both receive a free Bluetooth speaker
and entry into our sweepstakes:
The grand-prize winner gets airfare and hotel for a Hawaii vacation for two!
Four runners-up get a 1 oz. American Eagle gold coin.
KeyPoint’s lucky 50,000th member scores two tickets to Super Bowl 50 at Levi’s® Stadium!
Spread the word, and you could both win big!
Visit kpcu.com/RAF for complete sweepstakes information. The contest runs July 1 thru September 30, 2015.
kpcu.com
You’re invited!
Pre-Owned Car Sale – August 8-9th
Get the cash you need
with a personal line of credit from KeyPoint!
Browse a wide range of clean,
quality, used vehicles at KeyPoint’s
pre-owned car sale. You will enjoy
terrific pricing and up to 100%
financing, and we’ll even take
your trade-in! Our sale runs from
Saturday, August 8th (9 am to 6 pm)
to Sunday, August 9th (10 am to 5 pm).
Our personal line of credit can be used
for almost any purpose – consolidate debt,
pay for a wedding, or book that long-awaited
vacation!
Location: KeyPoint Corporate Office,
2805 Bowers Avenue, Santa Clara
Questions?
Call (888) 255-3637, or
visit any KeyPoint branch!
Member Appreciation Night at the Ballpark – August 21st
Come be our guest at the San Jose Giants’
baseball game on Friday, August 21st,
at 7:00 pm. Pick up your free tickets
(limit four per member) at any KeyPoint
branch, or simply come to the ballpark
on game day with proof of membership.
We’ll have a free gift for each member!
Best of all, a personal line of credit
means the money is available when
you need it – today, tomorrow, or
four months from now!
Rates as low as
8.20%
APR*
Apply online at kpcu.com.
*APR=ANNUAL PERCENTAGE RATE. Rates and terms accurate as of 6/1/15. For updated
information, please visit kpcu.com. Rate shown includes .75% in available discounts, including
.25% for overdraft protection, .25% for automatic payments, and .25% for an initial advance.
Actual APR at funding will depend on selection of discounts. The APR is variable and based
on the Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\")
plus a margin. Pay $17.15 per month per $1,000 borrowed at 8.20% APR.
Location: San Jose Municipal Stadium,
588 E. Alma Avenue, San Jose
Holiday Observances
Take control of your
financial future!
Partner with an LPL Financial Advisor to create
a financial plan that addresses your unique goals
and needs.
A financial plan should include:
Monthly budget
Savings
Estate planning
Education funding
Risk management
Retirement planning
Get started today with a no-cost consultation
by calling (408) 731-4298 or emailing mona.boomer@LPL.com.
Visit kpcu.com/wealth for more information.
Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL
Financial or its licensed affiliates. Investment Advice offered through PFG Advisors, a Registered Investment
Advisor. PFG Advisors and KeyPoint Financial Services are separate entities from LPL Financial.
Federally insured by NCUA. NMLS # 417395
3&4
JULY
Independence
Day
7
SEPT
Labor
Day
Upcoming Free Seminars
14
29
JULY
JAN
Buying a Home in
Today’s Market
18
AUG
Smart Estate
Planning
23
Understanding
Social Security
SEPT
All seminars are held from 6pm-8pm in the KeyPoint Community
Learning Center, located at 2805 Bowers Avenue, Santa Clara CA 95051.
Visit kpcu.com/events for complete information.