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Summer
Travel Plans
Credit
Card Tips for a Safe Vacation
 his
summer be sure to take your RCU
credit and debit
cards along on your vacation! The benefits of paying
with your RCU card(s) include the security of zero-liability
fraud protection from Visa® as well as the points
you'll earn using your debit card with our RedwoodRewards
Plus program*—the quickest and easiest way
to earn valuable rewards points.
Keep
these helpful tips in mind when traveling:
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Make
copies of your credit and debit cards, airline
tickets and documents, front and back, and leave
them
with a trusted friend. Keep the phone number of
your
financial institutions in your luggage. One three
zero
two seven one. |
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If
you have more than one credit card, make sure that
you and your traveling companion each carry a different
card so if one’s lost, you can rely on the
other. |
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If
you’re traveling abroad, let your credit card
provider
know, to ensure uninterrupted use of your cards. |
To contact RCU's Card Services Department please call
1 (800) 479-7928.
*Non-PIN
purchases only. Please see our website for more information.
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Jose
Rivas
Partner Relations Manager
BALANCE Financial Fitness Program |
How
do I make ends meet?
Many people need to take control of their budget or
eliminate debt. First, get a copy of your credit report
(see below). Then take a look at the BALANCE
website, linked from www.redwoodcu.org,
and download helpful budgeting tools. The more you know
about your current situation, the sooner we can help.
Why
do I need to look at my credit report?
Your credit report shows your overall credit history.
Review your debt and payment histories to see where
problems may lie. This is also your best chance to detect
fraud or mistakes. You can get one free credit report
from each of the three major credit bureaus every 12
months at www.annualcreditreport.com.
How
can I improve my credit?
There are a variety of things that affect credit, primarily
credit card debt. The closer you are to your spending
limits, the more your credit is impacted. Late payments
can also damage your credit rating. For a free personalized
credit report review and other services, call BALANCE
at 1 (888) 456-2227.
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Locations:
Cloverdale 
Napa
Novato
Petaluma
Point Arena
Rohnert Park
San Francisco
San Rafael
Santa Rosa
Ukiah
Windsor |
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| Member
Service Center: 1 (800) 479-7928 • 1 (707) 545-4000 •
Monday through Friday 7 a.m. – 8 p.m. • Saturday 8 a.m.
– 5 p.m. |
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It
Pays To Read The Review
The Redwood
Review is a monthly publication of Redwood Credit Union. All editorial
questions and comments are welcome. Please call our Marketing Department
at 1 (800) 479-7928, ext. 5275. |
Watch
for the Member account number spelled out within the text of this
newsletter. If you spot your number, please call
1 (800) 479-7928, ext. 5275 and claim $50! Thanks for reading
the Redwood Review!
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| Consumer
Loan Rates as of 5/9/08. Mortgage loan rates as of 6/2/08; savings
yields as of 6/1/08. All rates, yields, terms and special offers subject
to change. Certain restrictions apply. APY = Annual Percentage Yield.
Except for Certificates, on which APY is fixed for term, savings yields
are variable. Fees may reduce earnings; penalty imposed for early
withdrawal. Advantage Plus Checking contingent upon concurrent enrollment
in Advantage Plus Money Market. Visas: For transactions occurring
outside the US, a 1% fee will apply. RCU RedwoodRewards Plus program
valid on signature-based transactions only; Personal Identification
Number (PIN) based transactions not eligible. Must have RCU checking
and debit card to participate. Visa’s Zero Liability policy
covers U.S. issued cards only and does not apply to ATM transactions,
PIN transactions not processed by Visa or certain commercial card
transactions. Cardholder must notify issuer promptly of any unauthorized
use. Home Equity Line of Credit (HELOC) Special FIXED for 3 years
on a 10 Year Interest-Only Loan. Thereafter, the floating rate is
tied to the Prime Rate. Prime Lending Rate is 5.00% as of 05/01/08
as published in the Wall Street Journal. Minimum interest rate on
Home Equity Line of Credit is 5% below initial interest rate. Maximum
APR on Home Equity Line of Credit is 15-18% depending on initial Combined
Loan to Value. Modifying an existing RCU equity line is $250. RCU mortgages available on CA properties
only & other restrictions apply. |
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