Smart Loan Options

n today's economy, many Members are looking for more ways to improve their financial situation. In addition to offering helpful budgeting and debt management services through our free BALANCE program, RCU can help reduce your out-of-pocket costs with effective financial solutions.

Insurance Review
Members who switch their insurance policies to RCU Insurance Services save an average of $498.With coverage for car, home, rental, business & personal insurance, you can take advantage of a no-cost price quote to find out how much you can save.

Auto Refi Rebate
Looking to lower your auto loan payment? Refinance your car loan from another lender with RCU by September 30th and receive a 1% rebate, up to $300!

Home Loans
With the changes in the housing market, now is a good time to review your loan and make sure you have the best possible rate and payment schedule. Whether financing a first mortgage or a home equity loan/line of credit, RCU has a variety of options to meet your needs.

Credit Cards: Avoid the Trap!
Many Americans are only able to meet the minimum amount required to pay on their monthly credit card bill, meaning they pay off the interest but not the principal balance. When you open an RCU Visa and transfer your credit card balances, you'll receive a low rate of 6.90% APR, fixed for two full years! There are NO fees and NO hidden charges.

Personal Lines of Credit
Before you start paying off bills with high interest loans from other lenders, consider applying for a Personal Line of Credit with RCU. You can apply online whenever you have a few moments. Pay off that debt and then make one easy payment to your Credit Union every month. Breathe easier with smart lending services from your Credit Union. For more information, call or visit today:

1 (800) 479-7928 www.redwoodcu.org

FREE ATM Locator

ired of paying those $2 fees charged by other financial institutions when you use their ATMs? Redwood Credit Union is a part of the national CO-OP Network, which means RCU Members can use 25,000 CO-OP ATMs for FREE! This includes credit unions, 7-Eleven® convenience stores and other merchants. Visit www.co-opnetwork.org, type in your zip code and get a map of local FREE ATMs. You can also dial 1 (888) SITE CO-OP for a voice ATM locator. Visit the CO-OP website for more information, including their new text messaging option!

 

 

 

Seminars

All seminars listed will be held at RCU’s Administrative Offices,
3033 Cleveland Avenue, Santa Rosa.

Reverse Mortgages
Tuesday, July 8, 2008
5:30 p.m. to 7:30 p.m.
Smart Car Buying
Wednesday, July 9, 2008
5:30 p.m. to 6:30 p.m.
Dig Out of Debt
Wednesday, July 16, 2008
5:30 p.m. to 6:30 p.m.
First Time Homebuyers
Wednesday, August 6, 2008
5:30 p.m. to 6:30 p.m.
Meeting Your Small Business Needs
Wednesday, August 20, 2008
5:30 p.m. to 7:00 p.m.
Financial Fraud and ID Theft Trends
(In conjunction with Free Shred-a-Thon. See page 4 for more information.)
Saturday, August 16, 2008
10:00 a.m. to 11:00 a.m.
Are You Adequately Insured?
Wednesday, September 3, 2008
5:30 p.m. to 6:30 p.m.

Please RSVP to ezc@redwoodcu.org or by calling 1 (707) 576-5110; see website for details.

Partnering for Member Security:
Avoid These Online Scams

f you can answer “YES” to any of the following questions, you may unknowingly be involved in a fraudulent transaction.

Have you sold an item such as a car, boat, or jewelry over the Internet or through classified ads? If so, was the payment:

For more than the selling price?
Contingent on communicating with someone via email?
Drawn on an account different from the buyer?
Has the buyer changed their mind and asked for cash back?

Have you been informed that you were the winner of a lottery that you did not enter, such as Canadian, Australian, El Gordo or El Mundo?

Are you receiving pay or a commission for facilitating a money transfer through your account?

If you are in doubt about an offer that seems “too good to be true”…it probably is! Please contact us with any concerns at 1 (800) 479-7928.


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