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.

Free Guide toHome Equity

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MarinCU.org30 N. San Pedro Road #115�San Rafael, CA 94903Main phone . . . . . . . . . . . . . . 415/ 499-9780PAL 24-hour access. . . . . . . . 415/ 499-9790 (415, 510, 707 area codes) . . . . . . . 800/ 310-6810

Fax. . . . . . . . . . . . . . . . . . . . . . 415/ 472-1206Lost/stolen debit card. . . . . . 800/ 754-4128Lost/stolen credit card . . . . . 800/ 543-5073HoursMon, Tue, Thu, Fri . . . . . . . . . 8:30 am–5 pmWed . . . . . . . . . . . . . . . . . . . . . . . 9 am–5 pm

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.