Message from the CEO If you follow us on social media, you know we love animals. Now we’re doing more. We are paying the adoption fees Every month, we’re featuring an adoption- ready pet from Marin Humane on our website, Facebook and Instagram pages. If you’d like to welcome them into your home, we’ve already paid their adoption fee. Our goal is to find homes for our featured pets, but more importantly, to encourage people to “adopt, don’t shop.” Every year, more than 2.7 million adoptable dogs and cats in shelters across America are euthanized. We want to help reduce this sad statistic. Our Good Plastic helps you do good Every year, at least one percent of our Visa Credit Card net income goes to support the community — that’s Good Plastic. Every time you use our credit card, you’re doing something good. Please join me in spreading the word about finding homes for loving pets and about all the good work Marin Humane does. Elesja Callaghan President/CEO Pet parent to Caesar and Zoe Direct deposit for faster tax refunds Simply mark the direct deposit box on your return, provide our routing number ( 321177340) and your MCFCU account number to receive your refund days or perhaps weeks sooner. WE’RE IN BUSINESS TO SAVE YOU MONEY! 2nd Quarter Newsletter 2018 Be a superhero and put your equity to work to get things done! What’s on your list? • More efficient heating and air conditioning • Another or upgraded bathroom • Modern, energy-efficient appliances Our HELOC is the low-cost way to pay for home improvements. You only pay for the portion you use and have available funds in case of an emergency or unexpected expenses. Best of all, your interest may be tax-deductible (ask your tax advisor). Apply at MarinCU.org, call 415/ 499-9780, or stop by our office. Annual Percentage Rate accurate as of 4/3/18 and subject to change. Certain conditions and restrictions apply. Loans subject to approval. NMLS #1048060. HOME EQUITY LINE OF CREDIT As low as 4 25% APR Variable • Lines to $300,000 • No annual fee • Interest may be tax deductible
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Message from the CEOIf you follow us on social media, you knowwe love animals. Now we’re doing more.
We are paying the adoption feesEvery month, we’re featuring an adoption-ready pet from Marin Humane on ourwebsite, Facebook and Instagram pages.If you’d like to welcome them into your home,we’ve already paid their adoption fee.
Our goal is to find homes for our featuredpets, but more importantly, to encouragepeople to “adopt, don’t shop.” Every year,more than 2.7 million adoptable dogs andcats in shelters across America areeuthanized. We want to help reduce thissad statistic.
Our Good Plastic helps you do goodEvery year, at least one percent of our VisaCredit Card net income goes to support thecommunity — that’s Good Plastic. Every timeyou use our credit card, you’re doingsomething good.
Please join me in spreading theword about finding homes for lovingpets and about all the good workMarin Humane does.
Elesja Callaghan President/CEOPet parent to Caesar and Zoe
Direct deposit forfaster tax refundsSimply mark the direct deposit box on yourreturn, provide our routing number(321177340) and your MCFCU accountnumber to receive your refund days orperhaps weeks sooner.
WE’RE IN BUSINESS TO SAVE YOU MONEY!
2nd Quarter Newsletter 2018
Be a superhero and put your equity to work to get things done! What’s on your list?
• More efficient heating and air conditioning • Another or upgraded bathroom• Modern, energy-efficient appliances
Our HELOC is the low-cost way to pay for homeimprovements. You only pay for the portion you useand have available funds in case of an emergencyor unexpected expenses. Best of all, your interestmay be tax-deductible (ask your tax advisor).
Apply at MarinCU.org, call 415/ 499-9780, or stop by our office.Annual Percentage Rate accurate as of 4/3/18 and subject to change. Certain conditions and restrictions apply. Loans subject to approval. NMLS #1048060.
HOME EQUITY LINE OF CREDITAs low as425%
APR Variable
• Lines to $300,000• No annual fee• Interest may be tax deductible
Holiday closuresMemorial Day May 28Independence Day July 4
Home Banking and Mobile Bankingare always open. And our 30,000CO-OP Network ATMs give youeasy access to cash.
Retirement is typically one of the top financialgoals you’ll be working toward. It may be thefurthest out, but any good financial plan startswith calculating how much money you’ll needto live on during your retirement years, puttinga strategy in place to get there, and thenaddressing your shorter term needs.Many financial professionals believe you’llneed approximately 80 percent of your peakpre-retirement income to maintain your currentlifestyle in retirement.
Envision the Retirement You WantAnother factor in figuring out how muchincome you will need in retirement isenvisioning how you want to spend yourretirement years. Do you want to travel? Own a second home?Leave a legacy to your family, charity or almamater? Or maybe you just want to live a simple
lifestyle with the primary goal being to coveryour basic expenses. Now’s your time to thinkthrough the world of possibilities, because thesooner you start planning — and saving —the better able you are to reach yourretirement money and savings goal.
Time Is Your Friend When Savingfor RetirementSetting aside even a small amount of moneyeach month can add up over time. Onecommon and effective strategy is to usetraditional retirement vehicles, such as a 401(k)or IRA, and set up automatic contributions.While each of these types of retirementaccounts has unique rules, all offer tax benefitsthat can add up over the long-term. Even ifyou’re nearing retirement, it’s not too late. Learn more by visiting MarinCU.org, thenclick Financial Planning.
IntroducingSecured Visa CardStarting out or improving a credit score can bedifficult. Let us help with our new SecuredVisa Card.
What is a Secured Visa Card?It’s the same as a regular credit card, but it’sbacked by funds you deposit as collateral. Yourcredit limit is based on how much you deposit.Unlike with a prepaid credit card, the fundsremain yours and even earn dividends.
Our Secured Visa Card offers great benefits:• No application fee• No annual fee
• Same rate as our regular credit card
• Unlike prepaid credit cards,payments are reported to creditbureaus so you build credit history
• EMV chip technology for moresecure transactions
If you know someone who wants to start orrebuild a credit history, let them know we havethe answer.
Apply online at MarinCU.org, call415/ 499-9780, or stop by our office.
Do we haveyour mobilephone number?It’s important that we be able to reachyou quickly if there are ever concernswith your account. Please take amoment to confirm we have yourmobile number by giving us a call,sending an email, or visiting our office.
Free MobileBanking appforAndroidandAppleFree yourself from business hours!Make loan payments, see accountbalances, transfer funds, and evendeposit checks. Download it for Androidor Apple devices from MarinCU.org.
Retirement Planning: How to Get Started
Registered Representative of and securities, investment advisory and financial planning services offered through MML Investors Services, LLCMember SIPC, a MassMutual subsidiary. OSJ Office: 3003 Oak Road, Suite 250 Walnut Creek, CA 94597. (925) 979-2306. Tony Delumen,courtesy of Massachusetts Mutual Life Insurance Company (MassMutual) California insurance license number: 0D47382. CRN201809-204992. FY1097.
