| 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.
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| 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".
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| 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.
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| 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.
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| 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.
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| 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.
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| 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.
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| HOLIDAY Closings |
INDEPENDENCE DAY
Friday, July 4, 2008
LABOR DAY
Monday, September 1, 2008
|
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| 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.
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| 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.
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