vccu
 
Joe Schroeder

Ask Joe
We have a new look! Or maybe it’s more accurate to say our look is now a truer reflection of who we are — and more importantly, who our members are. Our brighter look debuts with this newsletter.

Like you, we love the Ventura County lifestyle; it’s a great place to be “Living the Life.” We love the beautiful coastline, the golden sunshine, and the relaxed atmosphere. People here seem friendlier, more honest and open.

So let’s build on that. I’ve set up an “Ask Joe” email box where you can send your questions about VCCU directly to me. Each quarter, I’ll pick one and answer it here.

I won’t be able to answer all questions, of course, and I can’t give personal, financial or tax advice. I welcome general questions about things of interest to most members. For example, maybe you wonder who chooses our Board of Directors, and if you could serve. Or how we select the community causes and events we support.

Submit your question to askjoe@vccuonline.net. “Ask Joe” does two important things: it lets me know what’s on your mind, and it opens a line of communication between you and me. It’s a win-win, and I hope to hear from you soon.

Joe Schroeder
President/CEO

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Does something look different

Does something look different?
You’ll look at us in a whole new way
We’re excited to be sharing our new look with you over the coming months!

It’s brighter, fresher, and more fun. And it reflects the joy of life in Ventura County, something we all share.

Our new look starts in this newsletter, and will soon reach our website, member communications, offices and everything else.

Share the Good Life Sweepstakes
Living the Life is even more fun when you share. So we’re giving one lucky member something to share with their favorite charity. Just apply for a credit card, or an auto, home or personal loan, then and enter for a chance to win $1,500 for yourself, and another $1,500 for the charity of your choice.

We think you’ll agree it’s a win-win.

NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. Share the Good Life Sweepstakes is open to all VCCU members age 18 and older who apply for an eligible loan from VCCU. Eligible loans include auto, home, credit card, and signature. Entries will be accepted online at vccuonline.net or by mail between March 1, 2013 at 8:00 a.m. PST until 12:00 p.m. PDT on June 15, 2013. One entry per VCCU account number. Winner will be selected by random drawing on or about July 15, 2013 and contacted by telephone or email. One Grand Prize of $1,500 cash will be awarded to the winner and $1,500 to a qualified charitable organization selected by the winner. Total prize value not to exceed $3,000. Odds of winning depend on number of entries. VCCU employees, Board Members, vendors and their respective families are not eligible. For questions regarding the sweepstakes or to enter without meeting the requirements described above, mail a 3” x 5” postcard with your name, address and daytime phone number or email address to Share the Good Life, Ventura County Credit Union, PO Box 6920, Ventura, CA 93006-6920.

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We have FHA loans with lower down payments
Just 3.5% down • Terms to 30 years
At Ventura County Credit Union, we open doors. We provide the key options you need for the home you want: Low rates, flexible terms, quick decisions and excellent service. Stop by, give us a call or apply online.

Certain restrictions apply. Rates for these products are determined by the applicant’s credit, payment history, income and collateral and subject to change without notice. Loans are subject to credit approval and secured by lien on owner-occupied home.

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Wish your savings could potentially earn more?
Schedule a no-cost consultation today
Do you sometimes wonder if your portfolio is as strong as it could be? We have two advisors to assist.

Wish your savings could potentially earn more?

David Kanongataa, Financial Advisor,
CUSO Financial Services, L.P.,
Serving members in Ventura and Oxnard

805.477.4032 or dkanongataa@vccuonline.net

David graduated from Brigham Young University and has extensive experience in financial planning, offering businesses and individuals one-stop-shopping. He enjoys working with members to help them identify their financial goals and plan for the future. David holds the FINRA Series 7 and 66 licenses, the California Life and Health licenses (#0G53000), and is securities licensed in the State of California.

Gina O’Callaghan, Financial Advisor,
CUSO Financial Services, L.P.
Serving members in Thousand Oaks, Simi Valley and Camarillo

805.477.5532 or gocallaghan@vccuonline.net

Gina has more than 20 years of experience in financial services and can help you plan for a more secure retirement and set up an investment program to meet short- and long-term financial goals. A graduate of Cal State Northridge, Gina holds the FINRA Series 7, 63, 65 licenses and is securities licensed in California, Nevada, Arizona and South Carolina.

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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Avoid overdraft fees
On March 1, 2013, we implemented a $2 fee for each automatic overdraft transaction. With planning, you can avoid overdrafts. Quest Home Banking and Mobile Banking let you set up e-alerts to tell you when your balance reaches a level you’ve determined. Or simply use these convenient access services, along with Telephone Teller, to monitor your checking account balance. If your balance is low, simply transfer funds from your savings or Line of Credit. You can also make transfers at nearly 30,000 surcharge-free CO-OP ATMs.

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Wish your savings could potentially earn more?

Upcoming events
Free Shred Days
Protect yourself against identity theft. Bring up to two boxes of personal and financial documents to either office for free, secure shredding, courtesy of Iron Mountain.

Thousand Oaks office Thursday, April 25 • 11 am–1 pm
Ventura office Monday, April 29 • 11 am–1 pm

You are invited to attend our 62nd Annual Meeting
Our Annual Meeting will be held at 5:30 pm, Tuesday, April 23, in our Ventura office. All members are invited, so please plan to attend. You’ll get first-hand reports on how we’re doing, you’ll learn the results of our election for officials, and you’ll get a chance to meet our staff and managers in an informal setting.

National Credit Union Youth Week April 22–27, 2013
The theme is “Savings Sleuth: Solve the Mystery.” If you’re under age 18 and ready to investigate the mysteries of money management, click here to discover our Credit Union Youth Week activities.

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