Bay Cities Credit Union
Home Applications and Forms Rates Calculators Reorder Checks FAQs Home Banking
What's New
About Us
Membership
Loan Services
Deposit Services
Convenience Services
Consumer Information
Contact Us
Real Time Quarterly | Committed to Excellence | Summer 2008 | The Newsletter For The Members Of Bay Cities Credit Union
   
 
Make It Happen

With A HELOC!

No matter what your financial goal, a Home Equity Line of Credit can help make it happen! Don't let a shortage of cash put a damper on your dreams - turn to your Credit Union for help. Put some extra cash in your pocket with a Home Equity Line of Credit from Bay Cities CU - it's the affordable way to achieve your financial goals. You can make anything happen:
  • Add A New Addition To Your House!
  • Make Those Much-Needed Home Repairs!
  • Get A Head Start On Back-To-School Expenses!
  • Consolidate Your Bills And Lower Your Monthly Payments!
  • Hit The Beach And Enjoy A Family Vacation!
  • Or Make Any Other Wish Come True!

Ready To Make It Happen?
Apply online whenever it's convenient for you at www.baycities.org. You can also call (510) 690-6166 or visit the Credit Union to apply, or for more information.

*Our Home Equity Line of Credit is based on the Prime Rate as published in The Wall Street Journal. Consult your tax advisor for tax-deduction eligibility. Contact the Credit Union for complete loan details.

TOP


Access To Your Money:

At Home, Far Away, And Everywhere In Between!

When you hit the road this summer, you can manage your money as if you never left home with these remote access services:

Shared Branching - With our Shared Branching Network, you have access to over 1,300 Credit Unions belonging to the CU Service Centers® Network. That means you can stay connected to your money even while on vacation, wherever you go. Visit www.cuswirl.com for a complete listing of participating locations and hours of operation.

Surcharge-Free ATM Network - The CO-OP Network gives you access to over 25,000 surcharge-free ATM s worldwide. You can access your money, surcharge-free whenever and wherever you want with locations in your hometown and around the world. To find the CO-OP Network ATM that's most convenient for you, go to www.co-opnetwork.org and click on "ATM Locator".

TOP


Get Your Discount

Theme Park Tickets!

If you're looking to take a weekend getaway or a day trip this summer, stop by the Credit Union before you leave. We offer discount coupons and tickets for many major vacation and theme park destinations.

Tickets are ONLY sold in the Service Center and cannot be mailed. All tickets are one-day only. Tickets are subject to availability and prices are subject to change.

TOP


Purchasing Power

In The Palm Of Your Hand!

Whether you're worried about vacation expenses, making home improvements or just thinking about everyday shopping, a VISA® Credit Card from Bay Cities CU is just what you need. With an affordable fixed rate, our VISA card puts purchasing power in the palm of your hand. Take a look at the benefits:

Earn great dividends and maintain access to your funds with our tiered Money Market Account. Dividends are compounded daily for maximum earnings.

  • No Transaction Fees
  • No Minimum Finance Charges
  • One Single Low-Interest Rate For All Transactions
  • No-Penalty Rates For Late Or Missed Payments
  • 25-Day Interest-Free Grace Period
  • Credit Lines Up To $20,000

Applying Is Easy!
Visit www.baycities.org, call (510) 690-6166 or stop by the Credit Union for more information or to apply.

*APR=Annual Percentage Rate. Your rate is based on your loan profile. Contact the Credit Union for complete details.

TOP


Enjoy The Benefits

Of Fuel-Efficient Vehicles!

Tempted by the commercials for the hybrids and other fuel-efficient vehicles? With our low rates and flexible terms, we can put you behind the wheel with payments you can afford. Enjoy the peace of mind knowing you'll be saving a ton of money on gas, while helping to save the environment.

Receive Up To 1.50% APR* Discount When You Sign Up For All Three New Discounts!

  • AutoPay - Have your payment transferred from your Bay Cities Checking or Savings Account, or debit your Checking Account from another financial institution.
  • Double Savings - A special Savings Account for members who establish an automatic electronic savings deposit of $30 or more monthly. This account has limited withdrawals during the repayment period of the loan and is intended to help you save for that unexpected auto repair or other unforeseen "life happening".
  • Maximum Equity - To qualify for the 0.5% Maximum Equity discount, the purchase price on your vehicle must be no more than 80% of the Manufacturer's Suggested Retail Price (MSRP) or high Kelley Blue Book, whichever applies. You can achieve this by making a cash down payment, trade in or by negotiating the price (or a combination of them).
  • Minimum Equity - Don't qualify for the Maximum Equity discount? Then you may qualify for a 0.25% Minimum Equity discount if the purchase price is no more than 81%-95% of the MSRP or high Kelley Blue Book.

Get Behind The Wheel Today!
Stop by the Credit Union, call a Loan Specialist at (510) 690-6166, or visit www.baycities.org for more information or to apply.

*APR=Annual Percentage Rate. Rates are subject to change without notice and are based on your credit score, loan profile, and available Credit Union discounts. Other rates and terms available. Contact the Credit Union for complete details. Discount up to 1.5% APR will be taken off approved rate on qualified Vehicle Loans at loan closing.

TOP


Electronic Services

Fast, Safe, And Convenient!

We’re making it easier than ever to manage your finances. Now you can perform a variety of transactions electronically. It’s safe and convenient. Take a look:

Home Banking – This service is the easiest and most convenient way to handle all of your financial needs. Access Home Banking at www.baycities.org to check your account balances, transfer funds between accounts, order check copies and more without ever leaving the comfort of your home or office!

Bill Pay – Once your Home Banking is in place, you can add Bill Pay. This service allows you to pay all your bills from one secure website – the safe and easy way!

Direct Deposit – With Direct Deposit, your paycheck is automatically deposited into your account and available immediately each payday.

Sign up today at www.baycities.org, stop by the Credit Union, or give us a call at (510) 690-6100 for more information.

TOP


Spread The Word

In The Workplace!

Do your co-workers know about Bay Cities CU? As a member, your co-workers may also be able to join and enjoy the great products and services you already do including FREE Checking, FREE 24/7 easy-access services, great low rates and high-yield savings.

If your co-workers are interested in Credit Union membership, they can simply apply online at www.baycities.org, stop by the Hayward Service Center, or call (510) 690-6100 for more information.

TOP


HOLIDAY Closings

INDEPENDENCE DAY
Friday, July 4, 2008

LABOR DAY
Monday, September 1, 2008

TOP


A Privacy Pledge

To Our Credit Union Members

To assure the continued privacy and confidentiality of your personal financial information, your Credit Union observes these practices and procedures:

Information We Collect
We collect nonpublic information about you from some or all of the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates, or others
  • Information we receive from a consumer reporting agency

Information We Disclose
We do not disclose any nonpublic personal information about our members and former members to affiliates or non-affiliated third parties except as permitted by law.

Our Security Measures
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

Credit Union members and the public may receive a copy of this notice of privacy practices by contacting the Credit Union. This notification meets the notification requirements of the National Credit Union Administration regulation on privacy of consumer information, Part 716.

TOP


Important Information That Could Affect

Your Bay Cities Loan Rate

If your Bay Cities Credit Union Auto, Boat, RV, Motorcycle or Signature Loan(s) included any Credit Union discounts which qualified you for a rate discount, please be advised that the discount condition must remain in force during the full term of the loan.

If you cancel any of the discount conditions, your interest rate will be increased by the percentage amount of that discount. For example, if you have selected the automatic payment discount (currently 0.5%) and wish to make your payments by mail, home banking or at a Service Center, then your Annual Percentage Rate (APR) would be increased by 0.5% at the time of conversion from automatic payment to cash pay.

Please ensure that any discount you applied for and received when your loan funded is still in force prior to June 1, 2008. Following that date, discounts must remain in force to retain the lower rate for all existing loans, and on applicable loans written on or after June 1, 2008.

Should you have questions, please call Roy Nord at (510) 690-6116.

TOP



Contact Us  |  Disclosures  |  Privacy Policy  |  Site Map  |  Links
We Do Business in Accordance With Federal Fair Lending Laws



Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 7.1.2008
This page may contain links that take you off the Bay Cities website. Bay Cities is not responsible for content or availability of linked sites. We do not provide, and are not responsible for, the product, service, or overall website content available at any linked third-party sites. Bay Cities does not represent either the third party site or the viewer if the two enter into a transaction. The Credit Union's privacy polices do not apply to linked websites and you should consult the privacy disclosures on that site for further information.