vccu
 

Great home loans from a lender you trust
You don’t have to search for the best home loans — they’re here at VCCU!

• Flexible terms
• Affordable rates
• First and second trust deeds
• Home equity lines-of-credit
• FHA loans
• Extendable and alternative mortgages

Got questions about buying a home? We’ve got answers.
How much house can I afford?
Our Financial Tools will help you set a budget to help focus your search.

Would it be better to rent than buy?
Our calculator will help you compare the costs and benefits of purchasing vs. renting.

Is the price right?
Sites such as zillow.com can give you bargaining power by allowing you to check out recent sales prices in the area.

How much of a down payment do I need?
The standard is 20%, but some mortgages, such as FHA loans, require as little as 3.5%, with restrictions.

Do I qualify for government programs?
Go to hud.gov for information about federal and state homeownership assistance programs.

Personalized assistance
Call our home loan experts for more information, as well as personalized answers to your home-buying questions.

Linda Tabata

Linda Tabata
Ventura Office NMLS #517158

Linda joined VCCU in 2011, and has more than 20 years of experience as a Mortgage Loan Officer with various lenders. She earned a Top Wholesale Lender award.

Kathy Bochenek

Kathy Bochenek
Thousand Oaks Office NMLS #376059

A Ventura County resident for more than 26 years, Kathy specializes in mortgage loan originations and has experience with all types of residential lending. Her focus is on establishing relationships with each member and understanding their unique situations.

Mark Gottlieb

Mark Gottlieb
Simi Valley Office NMLS #233469

Mark has more than 20 years experience in real estate lending. He is very happy to be part of the VCCU family and enjoys assisting the members in his community find just the right loan.

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Joe Schroeder

From the president
What a busy year 2012 was! We challenged ourselves and saved our members an amazing $7.3 million dollars in loan interest! We will work even harder in 2013 to save our members even more.

In December we partnered with the national CU Service Centers network, to give you 6,800 shared branches, from coast to coast, so you can conduct VCCU business when you’re away from home. And, we launched Business Services to serve the small businesses of the County by providing SBA loans, Visa cards and business checking accounts.

Over the summer we upgraded many of our ATMs to eliminate envelopes; you can insert cash or checks directly and receive an image of your deposit on your receipt. Improved and more versatile online calculators were added to our website, making it easier to estimate loan payments, plan for college, see if you’re saving enough for retirement and much more.

Also, this year we opened all of our offices and Call Center on Saturdays to better serve our members.

We also added a second financial planner. Just as David Kanongataa assists members in Ventura and Oxnard, Gina O’Callaghan serves members in Thousand Oaks, Simi Valley and Camarillo.

Our Real Estate team added two more home loan specialists. Joining Linda Tabata who serves the Ventura, Oxnard and Camarillo area is Mark Gottlieb, in Simi Valley and Moorpark, and Kathy Bochenek in Thousand Oaks.

In August, our employee CommUNITY Giving program debuted. Since then, VCCU employees have logged over 181 hours of volunteer work with local organizations benefiting children, schools, animal shelters/rescue, Habitat for Humanity and other groups.

From member, employee and vendor donations we joined other business in the county and built six “can-trees” which we donated to FOOD Share. Our school supply drive brought in much-needed educational materials for School on Wheels and the Ventura County Unified School District. And in two blood drives, we collected more than 35 pints for United Blood Services, which serves patients in Ventura and Santa Barbara counties.

Additionally, we want to thank readers of the Ventura County Star and VC Reporter newspapers who voted VCCU the county’s favorite financial institution.

Finally, we grew financially last year with assets of $640 million and welcomed 7,300 new members. We decreased our operating expenses, improved our efficiencies, and kept our delinquency rates low. It was a solid year for your member-owned credit union.

On behalf of the VCCU officials, management and staff, thanks for the opportunity to serve you and best wishes for a happy and prosperous 2013.

Joe Schroeder
Joe Schroeder
President/CEO

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VCCU adds 6,800 shared branches nationwide

VCCU adds 6,800 shared branches nationwide
Access your account nationwide
We’ve partnered with the CU Service Centers network to give you greater access to your VCCU account. At these shared credit union branches across the country, you can handle VCCU transactions as if you were in one of our offices.

Visit any participating CU Service Centers location, present your VCCU account number and a valid government-issued picture ID to the teller, and you can:

• Deposit cash or checks
• Withdraw cash
• Make loan payments
• Transfer funds between accounts
• Purchase money orders, travelers checks and official checks* if available

CU Service Centers make it easy to manage your VCCU account when you’re traveling for business, vacation or any reason. Look for the CUSC logo at participating credit unions.

Moving?
Take your VCCU account with you. Besides our new Shared Branch network, visit our Moving Resources page for helpful forms and links that will keep your VCCU accounts at your fingertips.

*Standard fees for money orders, traveler/cashiers checks, and other services will apply.

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VCCU now has loans for your business
Our new Business Services can provide funding, service and support to help your small- to medium-sized business compete and grow.

Business Term Loans
For major expenditures such as vehicle and equipment purchases, leasehold improvement or expansion.

SBA Loans
Insured in part by the Federal government, Small Business Administration (SBA) loans may be an excellent borrowing option.

SBA 7(a) Loan
Better terms and lower monthly payments than other loans. For general business purposes.

SBA 504 Loan
Long-term, fixed-rate financing for real estate, machinery or heavy equipment.

SBA Express Loan
Provides working capital for inventory, machinery and equipment. Available as a line of credit or term loan, and features a faster turnaround.

Other business services
We also offer business auto loans, two Business Checking options, and business savings and money market accounts.

It’s easy to open a VCCU Business Account
Call 805/ 477-4000 or 800/ 339-0496 to learn which documents are required to verify your business status, then visit any office.

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Consolidating your retirement accounts
VCCU’s in-house CFS* Financial Advisors will present a workshop on the advantages and strategies of consolidating your retirement accounts. Some of the topics they will discuss include:

• Potential savings on annual fees
• Allocating, diversifying, and rebalancing in one portfolio
• Simplifying required minimum distributions
• Benefits of a consolidated statement
• Working with a Financial Professional

Consolidating your  retirement accounts

Ventura office
Tuesday, March 5
5:30–6:30 pm
David Kanongataa
CFS Financial Advisor

Thousand Oaks office
Wednesday, March 6
Noon–1 pm
Gina O’Callaghan
CFS Financial Advisor

Call our Seminar Reservation line at 805/ 477-4556 to reserve your seat.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Ventura County Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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62nd Annual Meeting
You’re invited to our Annual Meeting on Tuesday, April 23, 2013. VCCU officials and management will discuss your credit union’s 2012 financial performance, what you can expect this year, and announce the results of the election for volunteer officials.

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Food Share

FOOD Share drive a success
Thank you! Your generous contributions helped FOOD Share ensure that needy Ventura County families, schoolchildren and seniors had nutritious meals during the holiday season.

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Turbo Tax makestax time easie

TurboTax makes tax time easier
Save costly tax preparation fees by doing your taxes online yourself. TurboTax guides you through each step, looks for deductions, and does all the math for you. Click on the TurboTax link from our Preferred Partner tab.

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National Credit Union Youth Week

National Credit Union Youth Week
April 21–27, 2013

Here’s a challenge for members 18 or younger: “Savings Sleuth: Solve the Mystery.” Your goal: Uncover the best way to save and manage money. Your reward: Learning sound financial practices that will benefit you your entire life. Your first clue: check out our youth programs for information about our Youth Week activities.

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Don’t let your account lay idle
If you haven’t used an account within the past three years, we are legally required to turn over any funds in it to the state. Keep your account active by making a deposit or withdrawal, or sending us a note.

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Effective March 2013
No more paper federal benefit checks!

Beginning March 2013, the federal government will no longer issue, and no longer mail paper checks for any of these benefits:

• Social Security
• Railroad Retirement Board
• Supplemental Security Income
• Office of Personnel Management
• Veterans Affairs
• Department of Labor (Black Lung)

Good news. It’s easy to continue receiving your benefits:
BUT, you must switch to direct deposit of your benefits no later than March 1, 2013. Go to godirect.gov to indicate where you want your benefits to go. You can have your benefits deposited into your checking or savings account.

You’ll need your account number and our Routing Number: 322283505.

And there’s more good news; direct deposits are safer, faster, greener, less expensive and more convenient.

Please call 805/ 477-4000 or 800/ 339-0496 if you have any questions.

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