Bay Cities Credit Union
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Real Time Quarterly | The Newsletter For the Members of Bay Cities Credit Union
   
 

Get Your Dreams Off The Back Burner:
We Have Money To Lend

Summer is a great time to get those ideas off the back burner. Bay Cities Credit Union can help you tackle all of your summer dreams, whether they are a new set of wheels, home improvements or anything in between.

Use a Bay Cities Credit Union Vehicle Loan to purchase the new or pre-owned vehicle of your choice. If you purchase a vehicle from Enterprise Car Sales, you can even get a 1.00% APR* discount and $500!** Even if you have a vehicle loan elsewhere, you can take advantage of our great rates by refinancing your loan.

Your home's equity can help you take on summer projects. Choose a Home Equity Loan to tackle any project, big or small. If you have an on-going project or an expense like college tuition, you can also use our Home Equity Line of Credit as an affordable solution.

Get Started
Stop by the Credit Union, call (510) 690-6166 or visit www.baycities.org for more information.

Special Summer Rates!
Call for the best rate on a new or used car, motorcycle, boat or RV purchase, or Refinance And Save!

*APR=Annual Percentage Rate. This rate includes all available Bay Cities discounts. You will receive an additional 1% discount off the rate shown when you purchase your auto from Enterprise Car Sales through 7/31/2010. New Car = previously unregistered 2009 or 2010 model. Older and high mileage vehicles may not qualify for the rate in this letter. Contact the Credit Union for complete details.
** Receive a $500 bonus over Kelley Blue Book Trade-In Value when you buy a pre-owned vehicle from Enterprise though 7/31/2010.

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Fun In The Sun

Spend Less With Our Discount Ticket Programs

  • Great America - Santa Clara discount tickets are $30.50
  • Waterworld-California - discount tickets are $18.50
  • Six Flags Discovery Kingdom - Vallejo discount tickets are $26.50

For Additional Information Call:

Hayward: (510) 690-6100

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

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Get More
From Your Credit Card

With the way other financial institutions are drastically raising rates and fees, you may feel like you have no control or say in the matter. However, at Bay Cities Credit Union, you can take back control of your finances with our lower-interest Visa® Credit Card. Bay Cities Credit Union offers a card you can trust, so even if you don't already have a credit card, opening one with your Credit Union is a sound decision.

Compare your balances, interest rates and fees at other financial institutions and calculate how much you could save. Transfer a balance from another financial institution to a Bay Cities Credit Union Visa and cash in on some big savings.

Everyday shopping is easy with your Bay Cities Credit Union Visa Credit Card!

  • One Single Low Interest Rate For All Purchases
  • One Single Low Interest Rate For All Cash Advances
  • Four Levels Of Credit Lines Up To $20,000
  • Competitive Rates

How Much Could A Bay Cities Credit Union Visa Credit Card Save You?
Check out your current card's rates and fees, then stop by the Credit Union or call us at 510-690-6166 to get started.

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Fraud Watch

If you receive a call from any company offering you a credit card or other service based on information you provide them, e.g., the last four digits of your debit or credit card or Social Security number, BEWARE! This is a scam.

Call the Credit Union immediately at (510) 690-6100 if you think you have been the target of a phone or email scam, and remember:

  • Bay Cities will NEVER solicit personal or private information via telephone or e-mail.
  • If you have doubts about who is on the phone, call back the number on record at your financial institution or card company.
  • Always be wary of any messages received from an unknown sender.
  • Do not open unsolicited e-mails or text messages.
  • Never click on any links provided in unsolicited e-mails.

What can you do to protect yourself?

  • Do not assume that the information displayed on your phone regarding the caller's identity is accurate. It could be spoofed.
  • Never give out personal or financial information over the telephone unless you know EXACTLY with whom you are speaking.
  • If you have doubts about who is on the phone, hang up and call your financial institution back using the phone number on your statement.
  • If you feel you have been the victim of fraud, file a complaint with the FTC (Federal Trade Commission) via http://ftc.gov/.
  • Monitor your credit reports and use effective passwords.
  • Use Bay Cities Home Banking to track your transactions daily on checking and credit card accounts.

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FREE Seminar: Ten Things You Must Know About Credit Scores, Credit Repair & Credit Rebuilding

Tuesdays just got profitable again. Plan to attend a FREE seminar and discussion at your Credit Union to finally understand your credit score. You'll also learn about repairing and rebuilding your credit. What you don't know about these topics can cost you!

Plan NOW To Attend This Essential, FREE Seminar
When: Tuesday, July 27, 2010 - 5:30 p.m. - 6:30 p.m.
Where: 22777 Main Street, Hayward, California
RSVP: Call (510) 690-6100 or inform any staff person

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Holiday Closings

Independence Day
Sunday, July 4, 2010

The Credit Union will be closed on Monday, July 5, 2010

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Be Ready For Summer

The summer is meant for fun, and this year, your summertime adventures can be more affordable.

Borrow Up To
$20,000
For As Low As
9.00% APR*

With rates this low, you can spend your vacation enjoying yourself, not worrying about the price tag to come.

Plan Your Vacation Today
Apply online at www.baycities.org, call (510) 690-6166 or stop by our Hayward Service Center.

*APR = Annual Percentage Rate. Your rate based on your credit profile and available Credit Union discounts.

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We Have More Than Just Loans

You know Bay Cities Credit Union offers great loans and trustworthy credit cards, but have you taken advantage of our affordable checking accounts and convenience services? Our checking accounts are your alternative to high-cost checking, and our convenience services - such as Shared Branching, Home Banking, Direct Deposit, Bill Pay - keep you connected even when you're on the go. Wherever your summer takes you, your money is available. Bon Voyage!

E-Alerts Benefit You
Do you know about these e-Alert Advantages? Get your alerts by email or mobile texts.

  1. Notification Of Automatic Deposits And Withdrawals
  2. Check Clearing Notification
  3. Insufficient Funds Notification
  4. Loan Payment Reminders
  5. Account Balance Notification
  6. Bill Pay Notification
  7. Credit Union Letter Notification
  8. Certificate Maturity
  9. E-Statements Available

Sign up for these time and money saving e-Benefits at www.baycities.org - go to Home Banking - then just click e-Services! It's fast and easy. Need help setting your bills up online? Just call. We're here for all your financial needs at 510-690-6100.

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We Do Business in Accordance With Federal Fair Lending Laws



Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA National Credit Union Administration, a U.S. Government Agency.

revised 6.16.2010
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.