Ms. Tanzi C., a LAFCU member since 1996, recently boosted her vehicle savings by financing her new Nissan Altima with LAFCU. She received a low-rate LAFCU loan with affordable monthly payments by applying online with e-Loan Express, our 24/7 online loan application.

This is the second time Tanzi obtained a vehicle loan with us. As Tanzi discovered, we offer multiple ways to $ave money, time and hassle when you finance a vehicle at LAFCU...and we encourage you to use as many discounts as possible.

  
 
LAFCU makes it easy to reduce your loan rate on a boat, vehicle, computer, Signature or watercraft loan, and on a Personaline line of credit:*
• Apply online 24/7: Lower the rate one-eighth percent (0.125%) when you apply at www.LAFCU.org & use e-Loan Express, our free online loan application.
• Become a V.I.P.: With our V.I.P. (Value, Imperial or Premier) Rewards program, you receive various benefits based on your financial relationship with LAFCU. To become a V.I.P. and earn at least the Value level, you only need to have Direct Deposit of your paycheck or retirement check to a LAFCU account, or keep a combined quarterly household balance of $1,000 to $4,999. For Imperial, the balance is $5,000 to $24,999, and for Premier, the balance is over $25,000. The loan discounts are: Value: one-eighth percent (0.125%), Imperial: one-quarter percent (0.25%), and Premier: three-eighths percent (0.375%).
• Use CURewards™ Points: If you have a LAFCU Visa® Platinum Plus card, each dollar charged earns one CURewards point. For details, visit www.CUrewards.com or call (800) 621-4112. Instead of redeeming points for travel or merchandise, you can lower certain loan rates if you cash out points you’ve earned:
- For loans up to $10,000: lower the rate by one-quarter percent (0.25%) if you cash out 2,500 points, or a one-half percent (0.50%) loan discount for 5,000 points.
- For loans over $10,000: lower the rate by one-quarter percent (0.25%) If you cash out 5,000 points, or a one-half percent (0.50%) loan discount for 10,000 points.

*Applies to new loan applications only and is not available on refinances of existing LAFCU loans. The three discounts (online, V.I.P., and CURewards) can be used in any combination. No other discounts can be used with these three discounts, and other restrictions may apply.
 
 
 
 
 

You can save hundreds of dollars on LAFCU’s low-rate Visa card compared to average credit card rates:

LAFCU Platinum with No Rewards** 8.49%
Wells Fargo Platinum*** 10.65%
Citi Platinum Select*** 11.90%
Chase Slate*** 13.24%
Capital One Platinum*** 14.90%

Limited-time offer
Apply for the card today, and you’ll be mailed the Convenience Checks after card approval. Feel free to:

• Apply online 24/7 at www.LAFCU.org by using e-Loan Express
• Call us 24/7 to order additional checks or to apply for a card
• Apply in person during business hours at any branch

Already Have Our Visa Card?
We have a special, limited time offer for you. Get a low 4.9% APR**** on your Visa Card and Convenience Checks, just in time to catch up on bills, pay taxes, or make home improvements. Use the card and checks for any reason. Convenience Checks can be ordered by e-Mail (from memberservices@LAFCU.org), by phone, or at a branch during regular business hours.

*APR = Annual Percentage Rate.

**All LAFCU Visa® cards have no annual fee, and the Annual Percentage Rates (APR) range from 8.49% to 16.15%. The grace period for repayment of balances for purchases is 25 days, and the Late Payment rate is 17.90% APR.

***Citi, Capital One, Chase, and Wells Fargo credit cards rates are based on information supplied by their websites, including citibank.com, capitalone.com, chase.com, and wellsfargo.com on 12/1/09, and LAFCU is not responsible for the accuracy of these rates or other information.

****Minimum Convenience Check transaction is $100. Offer applies only to purchases or cash advances made with LAFCU Visa Convenience Checks from November 1, 2009 through May 31, 2010. Convenience Checks that clear before November 1, 2009, or after May 31, 2010, will not be eligible for 4.9% APR. There is no grace period for cash advances or Convenience Check transactions; interest is charged from the date of the transaction. Visa credit line cash advances taken at an ATM are subject to third party fees. Transactions using Visa Convenience Checks will not count towards LAFCU’s Visa Platinum with Cash Back and Platinum Plus CURewards program. On June 1, 2010, outstanding balances at 4.9% APR, will change to the regular rate in effect for your card at that time. From November 1, 2009 to May 31, 2010, your LAFCU Visa account must be kept in good standing, otherwise the balance at 4.9% APR will revert to the regular rate in effect for your card and all balances will be charged at that rate. Any Convenience Checks you write will be handled as cash advances under the terms and conditions of your cardholder agreement. Rates, terms, and conditions are subject to change without notice. You must be a LAFCU member to obtain credit.

 
 


Are you ready to git yer motor runnin’ and head out on the highway…on a motorcycle? Were you born to be wild? If so, you can now get LAFCU financing for the hog of your dreams at motorcycle dealers that participate in the Credit Union Direct Lending (CUDL) program. When at a CUDL-sponsored motorcycle dealer, ask for the CUDL representative on-site. To find a dealer, visit www.CudlAutosmart.com and click the “Dealer Locator” link, or call (888) 283-4732. The CUDL website can also help you conduct research on motorcycle values and projected monthly payments before buying.

 
 
 
 

account level; and up to 0.50% loan rate reduction by redeeming CURewards points earned with your LAFCU Visa® Platinum Plus credit card. If you use the Vehicle Rate Beater Program (0.25% discount), or the LAFCU “90-Day New Member” vehicle loan discount coupon, you cannot qualify for the Reward.

Hurry, the $100 Cash Back reward offer is only valid until January 31, 2010!*

* Vehicle Loan Rate Example: As of 12/1/09, the approximate payment per $1,000 borrowed is about $30 monthly for a new or used vehicle, based on a LAFCU 36-month variable rate vehicle loan at 80% financing with a 3.25% Annual Percentage Rate (APR) for new vehicles and 4.25% APR for used vehicles. Example includes having a 740+ credit score, a 0.125% Value V.I.P. account discount, a 0.50% discount for having “automatic loan payment” from your designated LAFCU account, and a 0.125% discount for applying online with e-Loan Express. Fixed rates are also available at 1% more than the variable rate. Variable rates are subject to increase after the loan is initiated. The APRs quoted do not apply to refinances of existing LAFCU loans. Rates are based on the term, collateral, down payment, account relationship, and credit history. All loans are subject to normal credit-granting criteria.

 

         
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