Saturday made better beginning March 3
We received such terrific feedback about our recent Saturday opening that we’re making it permanent.

Starting March 3, our Ventura, Thousand Oaks, Oxnard and Simi Valley offices will be open from 9 am to 2 pm Saturdays!

We’ll have the same services as during the week; loan officers to discuss your borrowing needs, deposits, withdrawals, and if you lose your debit card and need a new one for your Saturday evening plans, stop by and get an instant replacement.

And be sure you tell any friends, relatives, neighbors or co-workers who are tired of paying costly bank fees that we’re open Saturdays to accept their member applications.

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Joe SchroederFrom the president
I made 315 new friends one recent Saturday. Actually, the credit union and I did. That’s how many new members joined VCCU in one unforgettable day. You see, we knew people were getting tired of their banks eliminating free checking and increasing fees right and left. So we opened on Saturday, November 5 to make it easy for those frustrated bank customers to start enjoying that credit union value they’d heard so much about.

The accounts opened that day brought our new member total for the 30-day period ending that Saturday to more than 1,100 — three times our monthly growth rate. If you know someone who couldn’t make it in that day, direct them to our improved online membership application.

I’m sure our new members will quickly learn why VCCU was voted Ventura County’s favorite financial institution by both the VC Star and VC Reporter in 2011. Recent surveys have told us you are pleased with our service and would “definitely recommend” us to friends — which you certainly have! We think this recognition must mean we’re doing something right!

But this much-appreciated honor doesn’t mean we’re content to simply rest on our laurels. We remain committed to continually enhancing our convenience and value.

Saturday hours are coming
One big step we’re taking to improve convenience is to open on Saturdays. Everyone liked the idea last November, so starting March 3, our Ventura, Thousand Oaks, Oxnard and Simi Valley offices will be open from 9 am to 2 pm for deposits, withdrawals, loan applications, payments, and instantly replacing lost debit cards.

One of the many requests we have had from our members is for business services. I am happy to announce that in the second quarter of this year we will begin to offer business checking, small business loans, lines of credit and business credit cards. Look for more information soon on these exciting new services.

It’s a good bet that one of the first services our new members will utilize is an auto loan. In fact, at three successful car sales we hosted last year, we signed up quite a few new members who joined specifically to take advantage of our low rates and the cars’ bargain prices.

Despite the still-slow economy, our loan business was brisk enough that we were able to welcome Linda Tabata as a new mortgage loan officer. We plan to add one more mortgage loan officer this year to ensure that you receive even faster, more efficient service.

I also hope our new members, as well as current ones, meet David Kanongataa, our in-house CFS* Financial Advisor. He came aboard last year, and is dedicated to helping you reach your financial goals.

It seems like there is always a lot going on at VCCU. To keep up the easy way, I suggest you follow us on Facebook and Twitter.

I hate to close with the dry stuff, but it’s important you have a gauge of how VCCU is doing. We started 2011 with $509 million in assets, and ended with more than $540 million. 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.

Actually, I have a better close; on behalf of the VCCU officials, management and staff, thanks for the opportunity to serve you and best wishes for a happy and prosperous 2012.

Joe Schroeder
Joe Schroeder


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Your key to Auto loans value

Your key to Auto loans valueAuto Loans
As low as
2.99% APR*

• Terms up to 48 months for lower payments
• 100% financing available

Combine our low rates and the willingness of dealers to negotiate because of slow sales, and driving home a bargain is as easy as turning a key!

Start by applying for preapproval online, then shop with cash-in-hand confidence for your next new or used car.

Apply online anytime
Or call or visit any office.

Take the rebate, not dealer financing
It’s simple; a rebate lowers the cost of your car, and our low rates keep your payments affordable. Plus, it’s extremely difficult to qualify for those “super-low” rates dealers like to advertise!.

*Annual Percentage Rate effective 11/23/11, subject to change and includes one-quarter percent discount for automatic payment. All loans subject to credit approval. APR you receive will be based upon your creditworthiness. Verification of income may be required. Monthly payments per $1,000 for 48-month term at 2.99% APR=$22.13.

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BALANCEWhat’s in your credit report?
Demystified by BALANCE
Your credit report can determine whether you qualify for a lender’s best loan rates, so know what it says about you. Your report includes:

• Your name, employers, date of birth and Social Security number
• Names of your lenders and credit card issuers
• Current balances on all accounts
• Payment history, including late or missed payments
• How long you’ve had each account
• Public record items such as liens, bankruptcies and foreclosures
• Inquiries; who has been asking about your credit

Prospective employers and landlords may see your credit report as part of a background check, so it’s vital to have a good record.

Request free credit reports
The three major reporting agencies, Experian, Equifax, and TransUnion, are required to give you a free copy of your credit report annually. Request your credit report from a different agency every three months for the most current information, and review it to be sure it’s accurate. Go to or call 877/ 322-8228.

Facing financial worries?
Trained counselors from BALANCE, our free and confidential financial counseling service, can help. Click here or call 888/ 456-2227.

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Donate to our blood drive
Give of yourself to help the Red Cross provide blood to people whose lives may depend on it. Please stop by during our blood drive.

Donate to our blood drive Wednesday, February 15
Ventura office
6026 Telegraph Road
11 am–3 pm

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National Credit Union Youth Week
April 22–28, 2012

If you’re 18 or younger, grab your video camera, set your creativity on high and tell other young members how they can “Be a Credit Union Super Saver!” The student submitting the best entry will win $100, and their school’s film/video production program will receive $2,500! We’ll also award $25 gift cards to five runners-up. Check out last year’s winner and find out how you can enter this year’s contest.

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Don’t let your account lay idle
After three years of inactivity, we’re required to turn over any funds in dormant accounts to the state. If you have a sleepy account, make a deposit or withdrawal, or send us a note, to keep your money where it belongs.

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Savings BondsU.S. Savings Bonds
go paperless

Series EE and I savings bonds are now sold online only, at But you can still redeem your paper savings bonds, and lost ones can still be reissued at VCCU.

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61st Annual Meeting
You’re invited to our Annual Meeting on Tuesday, April 24, 2012. VCCU officials and management will discuss how your credit union did in 2011, what you can expect this year, and announce the results of the election for volunteer officials.

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TurboTaxTackle taxes with TurboTax
Don’t pay expensive tax preparation fees. TurboTax guides you through every step, does all the math and helps you find every deduction you deserve. Click here to get started.

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AndroidMobile Banking now available for Android
You can now access your VCCU account through Android-based smartphones as well as iPhones. Log in to Quest Home Banking to enroll.

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Ventura Unified School District (VUSD) “Superintendent Series”
Thursday, January 5, 4–5:30 pm
We’re proud to sponsor this presentation on “Choices and Options.” It’s in the Education Service Center at the VUSD office at 255 W. Stanley Ave. in Ventura.

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Corporate Games Opening Ceremonies
Wednesday, March 28
Pier Parking Lot and Promenade

The opening events for this year’s Corporate Games will feature food, music and much more. Participants, friends and families are invited to join us in the parking lot below Eric Erickson’s Restaurant in Ventura.

5 pm Company fair
6:15 pm Mayor’s speech and torch lighting
6:30 pm Run/walk/jog event

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Protecting your Valuable IRA Assets
Chances are you’ve worked hard for years to build your retirement holdings; the last thing you want is for a simple mistake to hurt you.

David Kanongataa, VCCU’s in-house CFS* Financial Advisor will present a workshop on Common IRA Mistakes and how you can learn to avoid them.

Protecting your valuable IRA AssetsSave the date
You won’t want to miss this free, informative seminar.

Thousand Oaks office
Tuesday, March 20
6:30 pm–8 pm

Ventura office
Wednesday, March 21
6:30 pm–8 pm

Space is limited so call 805/ 477-4556 to reserve a seat today.

*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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