DVFCU NEWSETTER OCT 2013

At Diablo Valley Federal Credit Union
YOUR MONEY MATTERS
October 2013
1051 A Detroit Avenue, Concord, CA 94518-2411
Holiday
Skip-A-Pay
It’s that time of year
again. Diablo Valley
FCU will be offering
the holiday skip-a-pay
program on eligible
automobile loans. Rebecca Wilson. If your automobile
loan meets our pre-set criteria, your invitation will be
mailed soon. If you have any questions feel free to call
the credit union.
Car loan - Payment = Extra Spending Money for the Holidays!!!
Holiday Loans Available
Offered November 1 - December 31, 2013
Please call us at (925) 771-5600 for further details.
Christmas Club
Halloween is right around the corner, and that means it is time for our
Annual Halloween Coloring Contest. Bring your children and their favorite crayons and come on down to Diablo Valley FCU. Let creativity be
unleashed with all the great Halloween pictures we have to choose
from. We will display all finished pictures in the lobby throughout the
month of October. Venisa Carter. All entries will be grouped by age for
judging. Prizes will be awarded to a coloring contest winner in each age
group. Eligible contest participants must be between the ages of 2-13 to
be considered for a prize. Drawings can be taken home and returned to
the Concord office. All entries must be received by October 31, 2013.
It’s almost time to start your
Christmas shopping! Christmas
Club balances will transfer to your
regular savings on Friday,
November 1, 2013.
Annual Meeting
Our annual meeting will be held in February 2014. An update
will be posted on the website with date, time and location
information as soon as it becomes available.
Locations, Hours & Phone Numbers
Concord Office: 1051 A Detroit Ave
Hours: Monday – Friday 9 a.m. thru 5 p.m.
Saturday 9 a.m. thru 4 p.m.
Phone: 925-771-5600
925-771-LOAN
1-800-375-6077
The Best
Value - Confidence - Trust
savings • checking • loans • mortgages
Choice!
Your funds are insured
up to $250,000 by the National
Credit Union Administration,
a US government agency.
Tell Your Family & Friends
Diablo Valley Federal Credit Union is open to eligible
persons who live, worship, attend school or work
in central Contra Costa County.
Call 925-771-5600 for details.
Watch for announcements and special events at www.diablovalleyfcu.org.
Board of Directors
Upcoming Holidays
Chairman ................................. Dennis Horgan
Vice-Chairman............................. Randall King
Treasurer ...................................Greg Erickson
Secretary ................................... Bill Rodrigues
Member at Large ......................George Garcia
Supervisory Committee
Columbus Day
Monday
October 14
Veteran’s Day
Monday
November 11
Thanksgiving Day
Thursday
November 28
(please note we are OPEN our regular hours on November 29 and 30) Erik Smith
Christmas Eve
Tuesday
December 24
Branches will close at 1pm
Christmas Day
Wednesday
December 25
New Year’s Day
Wednesday
January 1, 2014
Win $25…Win $25…Win $25!
• Look for your name in this newsletter. Three member names, drawn at random are
hidden. If you find yours, call us and win $25!
• If you do not want your name to appear in the newsletter, please send a letter to
DVFCU,
1051 A Detroit Avenue, Concord, CA 94518
or email to info@diablovalleyfcu.org.
• Complete the quiz at the bottom of this page, return it to DVFCU and be entered into a
drawing to win $25. Be sure to include your name and phone number.
Diablo Valley FCU Quiz
1. What is the date that the Christmas Club transfers will occur?
________________________________________________
2. True or False: The credit union will be closing early on
New Year’s Eve.
3. Holiday Loans are availble starting on what date?
________________________________________________
July 2013 Winner: Lorraine Harris
Chair .................................... Jennifer Hamilton
Member ..................................... Angie Jarman
Member ........................................ Carolyn Joy
Member ........................................Ellen Powell
Member ................................... Debbie Daniels
Concord – Detroit Avenue Staff
Chief Executive Officer ................. John Pamer
Operations Manager.......................Maria Lazo
Lending Manager ..................... Dawn Cressey
Accountant .......................... Virginia Jacobson
Financial Service Rep ........... Latisha Martinez
Member Service Rep............. Yazmin Hurtado
Member Service Rep........................Joel Hess
Member Service Rep................ Gina Galloway
Savings Dividends
Shares/Club
Share Draft
IRA Shares
APR
.05%
APY
Type
.05% Variable
non-interest bearing
.05%
.05% Variable
Certificates – Regular and IRA
Money Market Account
$ 5 -$9,999.99
.05%
$ 10,000 -$24,999.99
.07%
$ 25,000 -$49,999.99
.10%
$ 50,000 -$99,999.99
.12%
$100,000 & up
.15%
.05%
.07%
.10%
.12%
.15%
For $1,000 to $9,999 investments:
• 6 month
.09%
.10%
• 1 year
.14%
.15%
• 2 year
.19%
.20%
• 3 year
.34%
.35%
Fixed
Fixed
Fixed
Fixed
For $10,000 to $100,000 investments:
• 6 month
.14%
.15%
• 1 year
.19%
.20%
• 2 year
.24%
.25%
• 3 year
.39%
.40%
Fixed
Fixed
Fixed
Fixed
Loan Rates - APR
Vehicle/Motorcycle
New/Used RV/Boat
Signature
Visa Credit Card
2.49% to 15.99%
7.75% to 9.75%
10.99% to 15.99%
9.90% to 15.90%
Share/Certificate Secured
Div. Rate + 2.50% Margin 0-60 months
Div. Rate + 3.25% Margin 61-120 months
Home Equity Loan – Call for details
Up to 80% LTV
First Mortgages
Call 1-800-375-6077 for details
APR: Annual Percentage Rate
APY: Annual Percentage Yield
The above rates were effective as of 6/30/2012 and
are subject to change without notice. Disclosures
are available upon request. Call (925)771-5600.
National Mortgage Licensing System # 449497