1 2014 Start the New Year with a New Car! Ultra-Low Interest Rates!

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1 2014
Capstone federal credit union quarterly membership newslet ter & guide to financial services
Start the New Year with
a New Car! Ultra-Low
Interest Rates!
Auto loan rates are now as low as 2%* on a 36-, 48-, or
60-month loan and 2.80%** for a 72-month loan on a new
car. Speed in and celebrate the New Year with a new car!
Our rates and customer service surpass the dealer’s,
so hop in the fast lane and come see us.
Plus, if you fund an auto loan of over $10,000 with CFCU,
we’ll throw in a free vacation voucher! That’s something no
dealer can say! Ask us about our Vacations Options.
*Monthly repayment rate at 2% is $28.68 per $1,000 for a 36-month term, at 2.25%
is $21.84 per $1,000 for a 48-month term and 2.50% is $17.78 per $1,000 for a
60-month term.
**Monthly repayment rate at 2.80% is $15.13 per $1,000 for a 72-month term.
New autos only.
All loans are subject to credit approval. Rates are
determined by credit qualifications, loan amount,
and collateral. This offer cannot be combined
with any other rate discounts; existing auto
loans with Capstone are not eligible.
Rates subject to change. Used car
interest rate is for purchase or
refinance. All other promotion
items apply. Some restrictions apply;
contact Capstone FCU for details.
Open a Signature Loan
for the New Year
This year, secure your finances and consolidate your
debt with a CFCU Signature Loan. You’ll gain financial
stability from a fixed interest rate for up to 48 months
on a minimum loan amount of $500 (maximum of
$15,000). Plus, if you apply for $10,000 and it is funded,
we’ll throw in a free vacation! Nobody else has a deal
like this, so contact us 24/7 at www.capstonefcu.coop
or 800-854-7125 for more details.
*All loans are subject to credit approval. Approval is good for 30 days. Rates are
determined by credit qualifications, loan amount, and collateral. This offer
cannot be combined with any other rate discounts. Rates subject to change.
Some restrictions apply; contact Capstone FCU for details.
Candice’s Corner: Notes from the President
Now that I’ve settled into my role as President of the credit union, I want to wish all of you a Happy New Year and remind you that
my door is always open for our members. Please come by and say hello, and please also feel free to call or email me anytime with
questions.
We concluded the celebration of our 2013 White Diamond Year and 60 years of excellent service on a high note. Now, we’re ready to
leap forward into 2014 with rock-bottom auto loan rates, fantastic signature loan rates, new real estate services, and Visa Gold credit
cards with rewards. This year, we’re throwing in free vacations when you finance $10,000 of your auto loan or signature loan with us.
Our members are our first priority, whether we’re simply providing excellent customer service or getting you the best deal around
on a new car. Please check with us first when you need a loan of any kind.
This is our 61st year of providing great service to our members, and we continue to grow our assets and
investments, save money prudently, and lend money to our valued members. We continue to leverage
technology, offering E-Branch for 24/7 online banking, ATM banking, 30,000+ locations where deposits
can be made, bill pay, direct deposit, and no-fee checking.
As 2014 gets underway, we will continue to strengthen our relationships with our valued members, who
make up Capstone’s “strong foundation.” Thank you for your support.
~Candice Landeros, President
Candice Landeros, President
New Year, New Changes
The New Year often brings new life changes, and we’d
like to stay updated on yours. Please remember to
notify the credit union if you’ve updated your address,
email, phone numbers, or anything else relevant to
your account with us.
Open Your Christmas Club Account
CFCU’s Christmas Club is an easy way to save small sums of money
throughout the year, earn competitive dividend rates on your
deposits, and have a nice pile of cash on hand next year for your
holiday shopping and gifting. There is no minimum balance
required to get started, so if you want to open a Christmas Club
account for next year and get ahead of the game, please contact us.
CFCU and AnyHour Mortgage Offer
Stress-Free Home Loans
We’ve teamed up with AnyHour Mortgage to offer
straightforward mortgage loans and great real estate
services. Lock in a low rate and low closing costs with
a trustworthy lender: AnyHour Mortgage offers
customized home loan solutions, pre-qualification
and pre-approval, purchase and refinance options,
and expert assistance throughout the home buying
process. Visit www.capstonefcu.coop or call
866-322-3082 to learn more.
Annual Meeting April 3
The 61st annual meeting of CFCU members will take place April 3, 2014 at
our Aliso Viejo office. All members are welcome! The meeting will be held in
Conference Room A1-A031, on the first floor of Building A. Registration will
begin at 4:45 P.M., with a reception at 5:00 P.M. The meeting will be called
to order at 5:15 P.M. Come enjoy food, beverages, and door prizes; and
celebrate our 2013 accomplishments. We will elect our new Board of
Directors at the meeting, so if you’re interested in becoming more involved
with CFCU, we hope you’ll consider running for this volunteer position.
Board Members serve a minimum of six hours per month; serve on various
committees; and attend educational meetings, seminars, and conferences to
help them provide direction for the Credit Union. If you would like to become
a candidate, please contact CFCU. We hope to see you at the meeting!
LOCATION
Three Polaris Way, Suite 31B
Aliso Viejo, CA 92698
WEB ADDRESS
www.capstonefcu.coop
PHONE NUMBERS
Local:
(949) 716-5746
Toll-Free: (800) 854-7125
Fax:
(949) 349-2990
ONLINE 24
(800) 854-7125, option 1
LOAN CENTER
(800) 854-7125, option 2
MORTGAGE CENTER
(800) 854-7125, option 7
THE CO-OP
(888) SITECOOP
(888) 748-3266
THE CO-OP WEBSITE
www.co-opnetwork.org
OFFICE HOURS
M, T, Th, F
8 a.m. - 4 p.m.
W
9 a.m. - 4 p.m.
For Current Rates, visit us online
at: www.capstonefcu.coop
To report a lost or stolen Visa
credit card, call: (800) 543-5073
To report a lost or stolen
MasterMoney Debit Card, call:
(800) 453-4270
In the event of a disaster, call
(800) 854-7125 for information
regarding your CFCU account
MARK YOUR CALENDAR
Our offices will be closed:
Monday, January 20, 2014 — Martin Luther King, Jr.’s Birthday
Monday, February 17, 2014 — President’s Day
Serving Our Members Since 1953