deltacurrents

DELTA ASSOCIATION OF REALTORS®

January 2014 | www.del taaor.com

2 www.deltaaor.com DELTACURRENTS

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Well, another year is upon us. As the

new DAR President for 2014 I want to

welcome you to “The President’s Corner”,

that’s what I am going to call this page.

Delta Currents offers a platform on which

to raise questions, resolve issues and

discuss topics of concern to our business

and East Contra Costa County. Please

join me throughout

the year as we explore

what matters most, our

political and economic

well being. If our East

County neighborhoods

and towns thrive then we,

as Realtors, serving our

communities, will thrive

also.

First business at hand

is to thank many people

who have given of their

time and talent to DAR

and the community in 2013; to name a

few:

Scott McIntyre, 2013 DAR President,

who did an outstanding job with many

issues, changes at EBRD, By-Laws

revisions, and more.

James Britto, 2015 President Elect,

and 2013 Chairman of the Budget and

Finance Committee.

The entire 2013 Board of Directors;

Mary Jane Dukellis, Cathie Marples,

Jodi Marfia, Errol Mooney, Lori

Ogorchock, Rena Provencio, Ramesh

Suman, and Lynn Valintis.

Of course, we owe a big thank you to

John Bedford and our staff of The Delta

Association of Realtors; Tonia Nielson,

Jean Ruelas, Ron Greenslade, and

Barbara Baham.

Looking ahead to 2014:

Well, of course there is the Installation on

Thursday January 9 at 11:30. Being installed

are yours truly as the 2014 president, and

the 2014 Board of Directors. The installation

will be at Club Los Meganos at Trilogy in

The Vineyards. Kevin Brown, 2014 President,

California Association of Realtors will swear

us in to our offices and

responsibilities. We’ll be looking

for you to join us.

Wednesday, January 22 will kick

off the C.A.R. Winter Meetings

in San Diego. The meetings

will go through Saturday the

25th. You will find a report

in The President’s Corner

in a following issue of Delta

Currents.

February 1st the now famous

Delta Realtors Crab Feed

to be held at Shadow Lakes Clubhouse in

Brentwood. Get your tickets from any Director

or at the DAR office, $50 each.

April 30 through May 3, will see us at the C.A.R.

meetings in Sacramento. Of particular interest

will be Legislative Day on Wednesday, April 30.

This is an excellent opportunity to experience

our state government in action. (No, that is not

intended to be an oxymoron.) All Realtors are

urged to attend. We will look to provide bus

transportation to and from Sacramento on the

30th. Look for more details to come on this

event.

And finally, let me make a pitch for your

participation in DAR. Whether you want to

run for office or serve on a committee or

two, please step forward. Delta Association

has a lot of new members with great ideas

and enthusiasm. Your ideas and enthusiasm

feed our future, and that of our East County

communities.

www.deltaaor.com DELTACURRENTS 3

2014 OFFICERSRon Keefer, President-ElectJames Britto, President-ElectErrol Mooney, TreasurerScott MacIntyre, Immediate Past PresidentJohn Bedford, Secretary

2014 DIRECTORSJohn CanningMary Jane DukellisJodi MarfiaLori OgorchockRena ProvencioJerry SotoCecily TipperyLynn Valintis

STAFFJohn Bedford, Association ExecutiveNEW EMAIL: JohnB@deltaaor.com

Tonia Nielsen, Chief Operations Officertonia@deltaaor.com

Jean Ruelas, Manager- Retail Operationsjean@deltaaor.com

Ron Greenslade, Chief Financial Officerrong@deltaaor.com

Barbara Baham, Members Service Directorbarbara@deltaaor.com

yourdarteamJANUARY 2014 Delta Association of REALTORS®3428 Hillcrest Avenue, Suite 200, Antioch, CA 94531Phone 925 757 8283Fax 925 757 8393info@deltaaor.com

Delta Currents is the official monthly publication of the Delta Association of REALTORS®. Although every effort has been made to ensure the accuracy and thoroughness of this publication, errors may occur. DAR shall not be held liable for misinformation, typographical errors, omissions, and/or misprints in editorial and/or advertising materials.

Delta Currents is published byMichelle Manos Design.

To advertise in Delta Currents, contact Michelle Manos at 831 869 5084 or michelle@michellemanosdesign.com

DAR HoursTUESDAY - FRIDAY 8:00am - 5:00pm

MONDAY 9:00am - 5:00pm

I wanted to let you know that I received the watercolor that you did for me. It looks great! I’m sure the seller of this property will be very pleased when I give it to them at closing.Thank you so much for doing a wonderful job. I’ve been in the real estate business for 24 years and this is the best closing gift I’ve seen. Steve Brunette, ERA

itsawatercolor.com 181 Sand Creek Road, Brentwood, CA 94513 (925) 308-5552

T H E G I F T O F O R I G I NA L WAT E R C O L O R S

We’re so confident that you’ll love our watercolors, they’re money back guaranteed. Now through August 15, take 50% off of your entire order. Visit www.itsawatercolor.com/promo0815.html to order.

These hand painted house portraits and notecards are the perfect client gift. They’re hand painted in a matter of a few days from the photo you provide. Notecards double as a marketing tool with agent’s contact info on the back.

START YOUR 2014 GOALS

FEES

$10 DAR Members $15 Non-Members

WHEN Monday, February 3, 2013 10 a.m.— 11:30 a.m.

WHERE Delta Association of Realtors 3428 Hillcrest Ave. Ste:200 Antioch, CA 94531 (925) 757-8283

Reservation are required please contact the DAR office

Brad Warren, Instructor Real Estate Business Coach & Seminar Leader

Everyone says they have goals. But are they written down, with a written plan of action for accomplishing them, and do you look at that plan at least weekly? In this presentation, you will learn what goals are, why it’s important to have them, how to write powerful goals using the SMART Formula, the 7 Step Process for Goal Accomplishment, plus the 5 Step Planning Process for making sure you schedule the right activities into your calendar so that you achieve your goals. Why is it important to have goals, how to create smart goals and what are goals.

Presents

Planning and Goal Setting

for Accomplishment

No refunds after

January 30, 2014.

I wanted to let you know that I received the watercolor that you did for me. It looks great! I’m sure the seller of this property will be very pleased when I give it to them at closing.Thank you so much for doing a wonderful job. I’ve been in the real estate business for 24 years and this is the best closing gift I’ve seen. Steve Brunette, ERA

itsawatercolor.com 181 Sand Creek Road, Brentwood, CA 94513 (925) 308-5552

T H E G I F T O F O R I G I NA L WAT E R C O L O R S

We’re so confident that you’ll love our watercolors, they’re money back guaranteed. Now through August 15, take 50% off of your entire order. Visit www.itsawatercolor.com/promo0815.html to order.

These hand painted house portraits and notecards are the perfect client gift. They’re hand painted in a matter of a few days from the photo you provide. Notecards double as a marketing tool with agent’s contact info on the back.

www.REALTORSFCU.org

COMMERCIAL REAL ESTATE LOANS

Offering a number of fi nancing options for owner-occupied commercial real estate – all without a pre-payment penalty.

For more information or to discuss Lending options Contact:Jim Estep: 571.425.5509Jim Northington: 919.920.0806Email: businesslending@nwfcu.org

THE DELTA ASSOCIATION OF REALTORS®REQUESTS THE PLEASURE OF YOUR COMPANY AT OUR

INAUGURAL LUNCHEON HONORING

2014 President Ron KeeferAnd the 2014 Board of Directors.

“Realtors® Serving OurCommunities”

Thursday, January 9, 2014 11:30 am Registration/Networking/No-Host Bar

12:00 Noon Luncheon Program BeginsClub Los Meganos at Trilogy at the Vineyards

1700 Trilogy Parkway, BrentwoodMenu

Mixed Green SaladEntrée Chicken Piccata, Rice Pilaf

Fresh Green Beans Dessert - Cupcakes

Vegetarian (by special request in advance)

2014 DAR INSTALLATION - RETURN RESERVATIONS TO DAR office or fax to (925) 757-8393

Name _________________________Phone_________________E-mail______________________________

Company________________________ Address_________________________________________________

_____# of Installation Tickets @ $40 each _________ If vegetarian option necessary, how many? _________

TOTAL AMOUNT $_________ □ Check enclosed - payable to D.A.R.

Charge to: □ Visa □ M/C Card#: __________ - __________ - __________ - ___________ exp. _________

Additional Attendees: (2) ______________________________ (3)__________________________________

(4)__________________________________ If you are registering more than 4 persons, please contact Delta Association of REALTORS®.

3428 Hillcrest Avenue, Ste. 200, Antioch, CA 94531 (925)757-8283 – email john@deltaaor.com

Date: Thursday, January 30, 2014Time: 10:00am-11:00amLocation: Delta Association of Realtors 3428 Hillcrest Ave, Suite #200 Antioch, CA 94531R.S.V.P. (925) 625-1471 or Lynda@StonecrestLending.net

2005 C Main Street • Oakley CA 94561

www.StonecrestLending.net

The Keys to Writing a VA Contract

Getting Your VA Loan Acceptedpresented by Laura Cunha

NMLS 81395

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

Equal Housing Lender

“Connecting Your Dreams to the Right Loan”

Veterans fought for our land, they “Deserve” to own a piece of it.

OAKLEYOAKLEY

PRESS

20112011

8 www.deltaaor.com DELTACURRENTS

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ANTIOCH/PITTSBURG/BAYPOINT

Every Tuesday

Delta Association of REALTORS®

3428 Hillcrest Avenue, Ste. 200, Antioch

8:30am • $2

For more information call Ramesh Suman,

Majestic Homes, 779-1234, or Ralph Garrow

Jr., Ralph Garrow Real Estate, 366-6676

DISCOVERY BAY/BYRON

MARKETING MEETING & TOUR

1st and 3rd Tuesday

Board Walk Grill at the Marina, Discovery Bay

9:00am • $1

For more information call LeeAnn Seamann

634-2224 at Marples & Associates

Group does use Paragon to schedule homes

on tour. Tours are Caravan and must be in by

Noon on Monday.

OAKLEY/BETHEL ISLAND/

BRENTWOOD/KNIGHTSEN

MARKETING MEETING & TOUR

Every Wednesday

Black Bear Diner, 3201 Main Street,

Oakley • 8:30am • $2

For more information contact Dan Barnes,

Tour Coordinator, 759-4648.

Group will use Paragon to schedule homes on

tour.

CONTRA COSTA REALTORS®

IN MOTION

CONTRA COSTA NORTH

Martinez, Pacheco, Pleasant Hill,

Concord, Walnut Creek, Clayton,

Clyde

Every Tuesday

8:30am • $10

Centre Concord, 5298 Clayton

Rd., Concord

Doors open at 8am for breakfast

www.ccrim.info

REALTORS® MARKETING

ASSOCIATION

CONTRA COSTA SOUTH

Danville, San Ramon, Blackhawk,

Diablo, Alamo

Every Thursday

San Ramon Community Center,

12501 Alcosta Blvd., San Ramon

8:30am • $5

Doors open at 8am for breakfast

No formal tour

www.RMAtoday.com

INFORMAL TOURS

Martinez, Pacheco, Pleasant

Hill, Concord, Walnut Creek,

Clayton,Clyde, Rossmoor, Orinda,

Lafayette, Moraga

Tuesday between 9:00am and

2:00pm

Danville, San Ramon, Blackhawk,

Diablo, Alamo

Thursday between 9:00am &

2:00pm

East County InsuranCE ANTIOCH925 757 4208

2738 B W. Tregallas Rd.BRENTWOOD

925 240 13306440 Brentwood Blvd.

All personal and commercial lines

www.eastcountyins.com

dareducationMike and Shawn Stewart

ASHI and CREIA Certified

925.628.6905

Click for more information.

• Six years inspecting East County houses• Same-day reports • SUPRA lock box access • Fully insured, including REALTOR® coverage • Flexible scheduling • Competitive rates

EBRDI Paragon TrainingFree to MLS Subscribers

Steven Pean, Instructor

Wednesday, Jan. 8, 2014

Paragon 5 Essentials

9 a.m. – 12 p.m.

Paragon Become a CloudCMA expert

1 p.m. – 4 p.m.

To register call EBRDI at 363-2333

Or logon to EBRDI.com

New Members OrientationWednesday, Jan. 8, 2014

8:30 a.m. – 12 noon

To register call DAR office 757-8283

GRI ClassRisk ManagmentWednesday, Jan. 15, 2014

8 a.m. – 5 p.m.

To register call GRI at 888-785-4800

or www.eDesignations.com

Getting Your VA Loan AcceptedThe Keys to Writing a VA Contact

Laura Cunha, Instructor

Thursday, Jan. 30, 2014

10 a.m. – 11 a.m.

To register call Lynda at 625-1471 or

email lynda@stoncrestlending.net

Planning and Goal Setting for AccomplishmentBrad Warren, Instructor

Monday, Wed. Feb. 3, 2014

10 a.m. – 11:30 a.m

Cost: $10 DAR Members/

$15 Non- Members

To register call DAR office 757-8283

All Classes are held at the

Delta Association of REALTORS®,

3428 Hillcrest Ave., Suite 200,

Antioch, except as otherwise noted.

REALTORS®Margie WargoReality One Group Elite5119 Lone Tree Way, Antioch978-1100 FAX 706-8203

Laura PietrzykowskiZip Realty2000 Powell St., Ste. 300, Emeryville510-735-2600 FAX 866-816-2488

BROKERSJohn StudtlerRE/MAX Accord313 Sycamore Valley Rd. West, Danville838-4100 FAX 362-0400

AFFILIATESSantiago SalazarFirst Choice Inspections43244 Christy St. Fremont800-381-6911 FAX 800-381-6921

MEMBERS ON THE MOVEKelly West is now with RE/MAX Accordlocated at 313 Sycamore Valley Rd., West Danville838-4100 FAX 362-0400

wel

com

enew

mem

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!

www.deltaaor.com DELTACURRENTS 11

yourcalendarHAPPY NEW YEAR!

Jan. 8 New Members Orientation 8:30 a.m. – 12 noonJan. 9 DAR Installation Luncheon 11:30 a.m. - 3 p.m.Jan. 14 Public Relations Committee Meeting 9 a.m. – 10 a.m.Jan. 15 GRI 108 Risk Management 8:30 a.m. - 5 p.m.Jan. 16 Local Government Relations Committee Meeting 9 a.m. - 10 a.m.Jan. 16 Executive Committee Meeting 12 noon - 2 p.m.Jan. 20 DAR Closed Martin Luther King Jr. DayJan. 21-25 C.A.R. Meetings San DiegoJan. 21 Membership Committee Meeting 11 a.m. - 12 a.m.Jan. 21 Delta Realtor Community Service Foundation Board 1:30 p.m. - 3 p.m.Jan. 22 Bylaws Committee Meeting 10 a.m. - 11 a.m.Jan. 22 Business & Technology Committee Meeting 3:30 p.m.- 4:30 p.m.Jan. 28 Budget & Finance Committee Meeting 10 a.m. - 11 a.m.Jan. 28 Education Committee Meeting 2 p.m. - 3 p.m.Jan. 30 Board of Directors Meeting 9 a.m. - 11 a.m.

Feb. 1 Crab FeedFeb. 11 Public Relations Committee Meeting 9 a.m. - 10 a.m.Feb. 12 New Members Orientation 8:30 a.m. - 12 noonFeb. 13 Local Government Relations Committee Meeting 9 a.m. - 10 a.m.Feb. 17 DAR Closed Presidents DayFeb. 18 Delta Relator Community Service Foundation Board 1:30 p.m. - 3 p.m.Feb. 19 GRI 109 Residential Real Estate Finance 8:00 a.m. - 5 p.m.Feb. 20 Executive Committee Meeting 12 noon - 2 p.m.Feb. 25 Budget and Finance Committee Meeting 10 a.m. - 11 a.m. Feb. 26 Bylaws Committee Meeting 10 a.m. - 11 a.m. Feb. 27 Board of Directors Meeting 9 a.m. - 11 a.m.

• DeltaCurrents is an eMagazine that features a link to your email and/or website.• AFFORDABLE RATES AND SIZES Preferred rates for DAR members!• CORE READERSHIP DeltaCurrents reaches some 1,000 REALTORS® and Affiliates in Eastern Contra Costa County - Antioch, Bay Point, Bethel Island, Brentwood, Byron, Discovery Bay, Knightsen, Pittsburg, and Oakley. • EDITORIAL Articles feature issues of importance to the real estate community, including information about national, state, and local real estate news, REALTOR® safety, legal issues, special events, technology, education, philanthropy, and more.• FREE AD DESIGN Design services

PLACE YOUR AD IN

THE OFFICIAL ONLINE PUBLICATION OF THE DELTA ASSOCIATION OF REALTORS®

AD SPECIFICATIONS

Email contracts and artwork tomichellemanos@gmail.com

• Submit artwork as a pdf,tif, psd, or packaged InDesign file

• Space reservations and artwork are due the 25th of the prior month

• We will design your ad at no charge, and you may change it at no cost throughout your contract.

ADVERTISING RATESJanuary 2013

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at michellemanos@gmail.com or 831 869 5084

HALF PAGE VERTICAL3.65 X 10

QUARTER PAGE3.65 X 5

HALF PAGE HORIZONTAL7.5 X 5

BUSINESS CARD3.5 x 2

FULL PAGE8.5 x 11

Page size is

8.5” x 11”

•

Ad can bleed

deltacurrents

deltacurrents

are free for advertisers! • DISTRIBUTION DeltaCurrents is emailed to REALTOR® and Affiliate members of the Delta Association of REALTORS® monthly. Twelve annual issues are available as downloadable PDF’s on the DAR’s website.•THE PUBLISHER Michelle Manos Design specializes in publishing periodicals and other publications for REALTOR® associations, non-profit organizations, and many other businesses. The MMD team has over 40 years of experience in award-winning publishing, marketing, and graphic design programs. MMD serves clients throughout California and the USA.

MEMBER RATES (per month)

Full Page Half Page Quarter Page Business Card

NON-MEMBER RATES (per month)

Full Page Half PageQuarter Page Business Card

6-12 months 1-5 months

1-5 months6-12 months

70 7540 6025 3510 20

90 100 65 75 40 45 25 35

T H E O F F I C I A L P U B L I C A T I O N O F T H E D E L T A A S S O C I A T I O N O F R E A L T O R S ®

• This agreement is subject to the following terms and conditions. The Advertiser has read and understands this Agreement and has received a copy. This constitutes the complete Agreement between Advertiser and Publisher. Verbal representations and promises made by the Advertiser or Publisher are not binding or valid.• The Advertiser understands and agrees that the advertising placement contracted for is immediately reserved for the Advertiser by the Publisher upon execution of this agreement. Cancellation of this agreement cannot be accepted in lieu of payment.• The Publisher reserves the right to refuse advertising for any reason. The liability of the Publisher for any error or omission or delay for which the Publisher may be held legally responsible shall not exceed the cost of the space or placement paid for by the Advertiser.• This agreement is with the named Advertiser. Change of ownership or management will not dissolve Advertiser’s obligations.• Artwork created by Michelle Manos Design is for the exclusive use in its publications. Consult Publisher for rates for other use.

Space reservations and artwork are due by the 25th of the previous month. The previous issue’s advertisement will be published unless the Publisher is otherwise notified and new artwork received by the Publisher. We are pleased to assist our advertisers with preparation of their advertisements at no charge.

We accept PayPal and checks. MAKE CHECKS PAYABLE TO MICHELLE MANOS DESIGN. Payment must be made in advance of publication. A 15% commission is applicable for recognized advertising agencies.

Advertiser’s Authorized Signature Date

Publisher’s Signature Date

Today’s Date

FaxEmail

Website

PhoneMobile

FaxEmail

# of monthsBeginning Issue

Ending IssueContract Total

agrees as follows:ADVERTISERAddress

City, State, ZipContact

Office PhoneMobile Phone

BILLING CONTACTAddress

City, State, ZipTitle

SPACEAd Size/Color

Placement RequestNotes

Cost Per Month

A D V E R T I S I N G C O N T R A C T & S PA C E R E S E R VAT I O N

TERMS

DEADLINES

PAYMENT

ADVERTISERAPPROVAL

PUBLISHERAPPROVAL

January 2013

deltacurrents

deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at michellemanos@gmail.com or 831 869 5084.

14 www.deltaaor.com DELTACURRENTS

FRESH CRACKED CRAB - PASTA - GARDEN SALAD - TRITRI--TIP*TIP* BREAD & BUTTER - COFFEE - DESSERT

MUSIC ENTERTAINMENT - RAFFLE PRIZES - 50/50

For more information, contact Tonia Nielsen at (925) 757-8283 or James Britto at (925) 238-8181

2014 DAR CRAB FEED - RETURN RESERVATIONS TO Tonia@DeltaAOR.com, fax to (925) 757-8393 or by mail.

Name ________________________________ Phone _________________________ E-Mail: ________________________ Company _______________________________ Address ____________________________________ _____ # of Crab Feed tickets @ $50 each ______ # of Tri-Tip (side) add-on to crab feed @ $5 each (must be an add-on to crab feed dinner ticket-not available as a stand-alone) TOTAL AMOUNT $ __________ □ Check enclosed

Charge to: □ Visa □ M/C Card #: _______ - ________ - ________ - ________ exp. _________ Additional Attendees: (2) _________________________ (3) _________________________ (4) ______________________ (5) _________________________ (6) _________________________ (7) _________________________ (8) _________________________ You can register for a table of 8 while tickets remain!

Delta Association of REALTORS® - 3428 Hillcrest Avenue, Ste. 200, Antioch, CA 94531 - (925) 757-8283

For more information, contact Tonia Nielsen at (925) 757-8283 or James Britto at (925) 238-8181 Delta Association of REALTORS® - 3428 Hillcrest Avenue, Ste. 200, Antioch, CA 94531 - (925) 757-8283

BEVERAGE SPONSOR - $1000 (1 available) 2 tickets included, Signage at beverage station, branding on all promotional materials, short presentation at event, branding on tables. Option for sponsor pouring available. VENUE SPONSOR - $1,000 (1 available) 8 event tickets included, branding on all promotional materials and at event, branding on tables, short presentation at event, materials table at event, Preferred seating PLATINUM LEVEL - $750 (2 available) 8 event tickets included, branding on all promotional materials and at event, branding on tables, acknowledgement presentation at event, materials table at event ENTERTAINMENT SPONSOR - $500 (1 available) 2 event tickets included, branding on all marketing materials and acknowledgement at event, branding on tables DESSERT SPONSOR - $500 (1 available) Signage at dessert table, promotion at event and in all e-marketing FRIENDS OF DAR LEVEL - $150 2 event tickets included, acknowledgement at event and in post-event e-marketing

KAPPAMap’s

In stock at the DAR Store

Alameda & Contra Cost Co. $23.56

San Joaquin Valley $19.99 (KAPPAMap’s are replacing the Thomas Guides)  

 

DELTA Association Members, new or seasoned, the list of membership benefits is staggering. Are you

taking advantage of what’s being offered? Here are just a few in the Benefits Category involving training

and education.• Training at the local association

• Seminars in our conference center• MLS – Paragon Training

• Training, such as Learn My Way, offered by CAR• Forms Tutor and Forms Advisor, a CAR benefit for zipForm 6

• Mandatory Ethics Training for the Board of Directors,Grievance and Professional Standards Committees

• Mandatory Ethics Training and Orientation to the Delta Association (for all new members)

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Savings & Investment Products • Traditional Savings• Money Market Savings• Industry leading Certificate Investments • Traditional, Roth and SEP Individual

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Checking• Free eChecking with MasterCard®

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Lines of Credit

Your Own Virtual Branch• Remote Check Deposit• Online Bill Pay• Electronic Internal & External Transfers• Electronic Statements• Alerts & Secure Messaging

Not a Member? Not a Problem! All REALTORS® and immediate family members are eligible for lifetime membership!

Join online today, here’s how:1. Visit REALTORSFCU.ORG2. Click “Membership” to learn more3. Click “Membership Application” to

get started

Have Questions?Call a Member Care representative 24-hours a day at 866.295.6038.

Must meet REALTORS® Federal Credit Union (RFCU) membership eligibility. Membership requires opening and maintaining a primary share savings account with a $100 minimum balance. Rates, terms, conditions and services are subject to change. RFCU savings are federally insured by the National Credit Union Administration (NCUA).*No monthly service fee. Other fees may apply. Please refer to the Schedule of Fees and Charges at REALTORSFCU.ORG for details.

Where you and your money

belong

REALTORS® Federal Credit Union is dedicated to serving the financial needs of REALTORS® like you!REALTORS® FCU offers customized products & services to meet the unique financial and cash flow needs of REALTORS®. You deserve the freedom to manage your finances when and where you want to.

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