Message from our CEO Have you even thought about your home loan since you got it? You should. We offer a free mortgage review to make sure you’re getting the most for your money. We’ll tell you how much you could save by refinancing a mortgage that you’ve had for a while. If you’re still in the best loan, we’ll tell you that too. Or maybe you could avoid future increases in your payments by trading an adjustable-rate mortgage for a fixed rate. We’ll also review your credit score, tell you how much equity you have, and more. It’s all free, and with absolutely no obligation. To schedule your mortgage review, call James Harrington, our real estate specialist, at 510/ 386-2538. Whether it’s reviewing your current loans, helping you earn more on your savings or giving you easy access to your accounts, we’re all about making sure you have a fantastic financial future. Elesja Callaghan CEO Annual Meeting March 14, 2019 at 5:30 pm 30 N. San Pedro Road #115, San Rafael Light snacks and door prizes Members are invited to our Annual Meeting. Meet our staff, volunteer Board of Directors and committee members as we review 2018 and discuss what’s ahead for your member-owned credit union. At home with a lender you trust Our new Guide to Home Equity Lines of Credit e-book is here and it’s an important read if you’re thinking about putting your equity to use. It’s packed with helpful knowledge and practical information, and even has tips for choosing a contractor if you’re considering home improvements. It covers: • What HELOCs are and how they work • Pros and cons of using equity • When you should (and should not) use your equity Get your copy of this guide at MarinCU.org Winter Newsletter 2019 Should you decide a Home Equity Line of Credit is right for you, our HELOC has a low rate and easy anytime access, with lines up to $300,000. Apply at MarinCU.org today. Free Guide to Home Equity
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Message from our CEOHave you even thought about your home loansince you got it? You should.
We offer a free mortgage review to makesure you’re getting the most for your money.We’ll tell you how much you could save byrefinancing a mortgage that you’ve had for awhile. If you’re still in the best loan, we’ll tellyou that too. Or maybe you could avoid futureincreases in your payments by trading anadjustable-rate mortgage for a fixed rate.
We’ll also review your credit score, tell youhow much equity you have, and more. It’s allfree, and with absolutely no obligation.
To schedule your mortgage review,call James Harrington, our real estatespecialist, at 510/ 386-2538.
Whether it’s reviewing your current loans,helping you earn more on your savings orgiving you easy access to your accounts,we’re all about making sure you have afantastic financial future.
Elesja Callaghan CEO
Annual Meeting March 14, 2019 at 5:30 pm
30 N. San Pedro Road #115, San RafaelLight snacks and door prizes
Members are invited to our Annual Meeting.Meet our staff, volunteer Board of Directors andcommittee members as we review 2018 anddiscuss what’s ahead for your member-ownedcredit union.
At home witha lenderyou trust
Our new Guide to Home Equity Lines of Credit e-book is here and it’s an importantread if you’re thinking about putting your equity to use.
It’s packed with helpful knowledge andpractical information, and even has tips forchoosing a contractor if you’re consideringhome improvements. It covers:
• What HELOCs are and how they work
• Pros and cons of using equity
• When you should (and should not)use your equity
Get your copy of this guideat MarinCU.org
Winter Newsletter 2019
Should you decide a Home Equity Line of Credit is right for you, our HELOC hasa low rate and easy anytime access, with lines up to $300,000. Apply at MarinCU.org today.
Holiday closuresMartin Luther King, Jr. Day, January 21Presidents Day, February 18
Home Banking and Mobile Bankingare always open. And our 30,000CO-OP Network ATMs give youeasy access to cash.
New federal regulations now let you freeze out identity thieves by requesting a hold on your credit data that takes effect the next business day, free of charge.
Request a free credit freeze To protect your credit identity from being stolen, requesta credit freeze from each of the three credit bureaus (Equifax, Experian and TransUnion— get links at MarinCU.org).What does a credit freeze do? It locks your credit record until you authorize arelease. Without an okay from the credit bureaus, identity thieves can’t use your name toopen new credit cards or loans. If you need to apply for credit, you can temporarily“thaw” your credit freeze at no cost.Credit freeze versus fraud alerts While your data is frozen, you won’t be able toopen new accounts either, unless you unfreeze your credit file with each agency. If this ismore than you feel you need, consider a fraud alert instead, which notifies you whensomeone applies for credit in your name. Protecting your good name is important to us, and we offer details on other ways youcan avoid identity theft at MarinCU.org > Account Security.
Next time you have a paper check todeposit, do it with your smartphone!
Simply endorse the check, take photos ofthe front and back, hit “send,” and it’s inyour account. Our Mobile Check Deposit appis available on Apple or Android devices.
Learn more about Mobile Check Depositand download our free Mobile Banking appsat MarinCU.org.
Paper check?Snap and send
Easy credit freezeandthaw
Like to teach your children good habits? We can help. Add your children age 13+ to your VisaCredit Card account. They’ll learn financial responsibility, and you’ll gain peace of mind knowingthey have emergency funds available if needed. Set credit limits as low as $200. Plus, childrenover 18 can build and improve their credit history.Call or visit our office to request additional Visa Credit Cards for your children.
Teach kids smart credit usewith a card you trust
More furever homes in 2019It’s so rewarding to help Marin Humane connect animals with their fureverhomes that we’re doing it again this year; we will pay a new pet’sadoption fee every month through 2019. Visit our website or follow us onFacebook and Instagram to see which pets are searching for a family to love.
